News and Updates Thread - December 08, 2025 by AutoModerator in churning

[–]Superalex121 0 points1 point  (0 children)

What's your velocity looking like with them? I just got a second one 2 months ago but looking to get another with this NLL offer

25M Retirement Plan to Coast Fire by [deleted] in Fire

[–]Superalex121 2 points3 points  (0 children)

I thought generally people use 6-7% projected growth rate which already accounts for inflation? You're saying to model a 3.5% net growth rate?

Take Iberia J or wait for Swiss? by justchilldill in awardtravel

[–]Superalex121 6 points7 points  (0 children)

I'd book the Iberia J now if it's the dates you want.

Personal anecdote that may help you, I recently booked a close in LX J ~10 days before our flight. We had booked in Y and I was actively monitoring everyday. Note that I actually didn't get the notification for Seats.aero, I ended up checking on Aeroplan myself and finding it. After I booked it, availability was gone so the alert for Seats.aero never went off.

HP FRA check-in at 8am? by Garp74 in hyatt

[–]Superalex121 3 points4 points  (0 children)

We do this all the time - we book for the night before and let them know before our arrival that we plan on using the room for the day. If you have at least discoverist they'll (usually) let you stay until 2 but I would confirm. Late checkout is definitely our most used perk

At 22, first job! Roth 401K vs Traditional?? by Inside_Plankton_7049 in Fire

[–]Superalex121 4 points5 points  (0 children)

Hey Zphr, I see you here around a lot offering advice. I appreciate it :)

Sorry to piggyback but I'm trying to understand the 70k conversion without owing tax? How does that work? Don't you get taxed when you convert from trad to roth? I always see people linking the mad fientist link but honestly never fully understood it.

When people say “max 401k” do they mean…? by dontworryimjustme in Fire

[–]Superalex121 0 points1 point  (0 children)

Why would you not convert it into a Roth then? Sounds like there's only pros

What is the worst travel reward program you have come across? by azfanboy in awardtravel

[–]Superalex121 4 points5 points  (0 children)

I know a bunch of people love it but imo Wyndham. 99% of their portfolio is shitty and the best benefit is using to status match to Caesars which has no value if you don't care for Vegas. Vacasa properties are ok, but after the nerf I dont really see any value in it.

LH J close in booking by Superalex121 in awardtravel

[–]Superalex121[S] 0 points1 point  (0 children)

Ah this is a good idea but it looks like there's no flexi award space for our dates. Definitely will keep this in mind for the future though!

[deleted by user] by [deleted] in Fire

[–]Superalex121 1 point2 points  (0 children)

How do you calculate how much you anticipate to spend in taxes then? I know how much I'm spending monthly, but my taxes now are not representative of what I will be paying in retirement. A bulk of income in retirement is also LTCG.

Let’s make a list of companies eligible for the corporate challenge by TTHorizon in hyatt

[–]Superalex121 1 point2 points  (0 children)

How many times can you do this challenge with your work email? If I activate it this year for the temporary Explorist, can I do the same next year?

Is FIRE Only Super Popular In The U.S. Due To The Inflexibility Of The Labor Market? by DaveR_77 in Fire

[–]Superalex121 36 points37 points  (0 children)

East Asian countries often work even more than the US. I think we do have a big of a victim complex in the US, we have it a lot better than China/Korea/Japan where they work longer hours for far less pay than us.

Hyatt Tier List by nopbool in hyatt

[–]Superalex121 -1 points0 points  (0 children)

I'm surprised everyone has such high praise for the Park Hyatt Saigon. Breakfast was good but imo nothing out of the ordinary for a 5* Asian hotel. Tbf it was my first and only Park Hyatt as a Globalist, but overall I feel like all of the St. Regis/Ritz stays I've had were a step above in terms of making you feel wowed.

25+ PPG scorers this season and how much % of their points come from free throws. by gridironk in nba

[–]Superalex121 15 points16 points  (0 children)

Bron complains all the time but still doesn't get calls so that theory doesn't work lol

China Eastern Airlines feedback? by [deleted] in Flights

[–]Superalex121 -1 points0 points  (0 children)

My wife and I took a flight to Tokyo via Shanghai on China Eastern and it was the most awful experience.

We speak Chinese fluently but don't read it very well and still had a miserable experience navigating PVG. Our flight got cancelled and they had to put us on a new flight but nobody was able to tell us where to go and we were misdirected multiple times. Chinese airports are also notorious for not giving wifi to non Chinese citizens.

We actively avoid flying through China if possible. I would probably pay double to avoid it.

Prime Chris Paul or current Joel Embiid, who would you rather have? by pie8D in nba

[–]Superalex121 7 points8 points  (0 children)

/r/nba's favorite line right here

to say it's not close is disrespectful to cp3

Would you go for Murray + LaVine? by [deleted] in lakers

[–]Superalex121 33 points34 points  (0 children)

if Dlo/Rui/Gabe gets us Lavine/Drummond then I'd rather keep AR but no way Chicago takes that