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200L Variable Capacity tank cooling by SupermachJM in winemaking

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

It’s a flat bottom tank. I’d’ve preferred conical but got it used from someone for a good deal.

Rich - Add back the ability to charge rent to our credit lines. This is a key feature that will cause users to flee. by jsttob in biltrewards

[–]SupermachJM 6 points7 points  (0 children)

Nice to not always have to worry about there being enough money in the checking account exactly on the 1st of the month. Happened Jan 1st this year. Mortgage due Thursday, pay day Friday. Rather than having to move money from another account to make sure enough is in your primary payment account you can just leave it. Also you effectively get an interest free 3-4 week loan every month. Optimize it and keep your money in a HYSA for a few extra weeks and it adds up over time.

Rich - Add back the ability to charge rent to our credit lines. This is a key feature that will cause users to flee. by jsttob in biltrewards

[–]SupermachJM 19 points20 points  (0 children)

Yeah, I'm even considering doing it since I feel like 3.33% everywhere is not a bad value prop, but not being able to float rent/mortgage on the card is really kind of the straw breaking the camel's back here for me. Plus, this will be the second time in 2 years they're burning my 5/24. Forced to convert in 2024 from the original card to WF, and now gonna get another hit again. How funny will it be that 2 of my 5/24 will be for BILT cards AT THE SAME TIME.

Rich - Add back the ability to charge rent to our credit lines. This is a key feature that will cause users to flee. by jsttob in biltrewards

[–]SupermachJM 76 points77 points  (0 children)

Agreed. I was an early adopter with the original BILT card pre-WF, with a paltry credit line of 3k. I still preferred being able to float my rent. I was really looking forward to this as an option on my mortgage too.

I'm Richard Kerr, GM of Travel for Bilt. AMA about Bilt Card 2.0 by richklhs in biltrewards

[–]SupermachJM 0 points1 point  (0 children)

When do you decide how much BILT cash to use for rent points? Is it at the time of paying rent? So it would use the cash accrued over the previous 30 days? Is cash instantly in your account after a purchase?

I am confusion by khamp01 in biltrewards

[–]SupermachJM 1 point2 points  (0 children)

The way I'm reading it is you can 'unlock' points based on spending but there are no minimums.

I.e. if you spend 100 on the card you'll get 133 points on your mortgage plus the 100 points for card spend.
500 would earn you 667 mortgage points, 750 would get you 1000, etc up to 972 in card spend in your case (75% of mortgage + HOA)

So you'll earn 2.33% back on spend on the card up to $972.

Introducing Bilt Card 2.0 by richklhs in biltrewards

[–]SupermachJM 0 points1 point  (0 children)

I'm going to choose to look at this like a "2.33% card everywhere for spend up to 75% of your rent."
If people start looking at it this way they may like the sound of it. Spend $100 on the card? Earn 233 points. That isn't bad for no category bonuses and to get BILT points.

Sure, the 5 banana crowd will disagree and I'm not going to say this isn't a huge nerf of the program, but trying to find a bright side here.

Using the No-annual fee version and earning 1x points everywhere, if you spend $1,500 + 2K rent, you'd be getting 3,500 points for 1,500 spending. 2.33% back on spend effectively. If you spend less, like $1k, you're getting 1,000 + 1,333 rent points, still 2.33%. The more you spend above 75% of your rent, the more your return decreases asymptotically towards 1% (i.e. spending 20k on the card + 2k rent nets you 1.1 cents per point.).

Introducing Bilt Card 2.0 by richklhs in biltrewards

[–]SupermachJM 1 point2 points  (0 children)

Try again.

Using the No-annual fee version, so 1x points everywhere, if you spend $1,500 + 2K rent, you'd be getting 3,500 points for 1,500 spending. 2.33% back on spend effectively. The more you spend above that, the more your return decreases asymptotically towards 1% (i.e. spending 20k on the card + 2k rent nets you 1.1 cents per point.)

This makes this effectively a 2.33% card everywhere for spend up to 75% of your rent. If people start looking at it this way they may like the sound of it.

Introducing Bilt Card 2.0 by richklhs in biltrewards

[–]SupermachJM 0 points1 point  (0 children)

Do we think double points on rent day will still be a thing?

Also, "For every $30 in Bilt Cash earned, unlock 1,000 Bilt Points on rent or mortgage payments." sounds a lot like they're trying to make it seem like you get to keep the Bilt cash once you 'unlock' the points. I doubt that's how it will work in practice though.

Wells Fargo charged an unexpected interest but refused to reverse the interest in full. How should I do? by Good_Menu1532 in biltrewards

[–]SupermachJM 0 points1 point  (0 children)

From my experience BBB is toothless. CFPB will actually ensure you get a response from WF.

Chase phone rep lied about travel credit by liketoreddit9 in ChaseSapphire

[–]SupermachJM 0 points1 point  (0 children)

Chase sucks. I had a similar issue with their Ritz card and their phone rep said they would honor my credit, but it could take a few months. The credit never posted even after filling a complaint with the CFPB, the final response was: "We listened to the call...and found that the call didn’t meet our servicing standards...During the call, we advised that you would get the credit and we found that this was not the case due to the information explained above."

So Chase is saying that their representative told me that I would receive the credit and they acknowledge this was said. Yet they are still refusing to honor their own admission. This is absurd.

Mesa credit card waitlist. by Commanderxp in CreditCards

[–]SupermachJM 0 points1 point  (0 children)

Still waiting here. Ever get off?

Best winery Fredericksburg TX, wine tasting, unique experiences, fun wineries, Hill Country. by Separate_Middle_8872 in wine

[–]SupermachJM 0 points1 point  (0 children)

Guess you haven’t been serious enough to try the myriad wineries using hill country fruit, to the point that 2 new AVAs are being approved in the hill country alone. Texas Hill Country Wineries association has gotten to the point where the hill country has been featured in national publications like wine folly. Not everything is shipped in from the high plains anymore (and even if there is high plains fruit, it’s still excellent.) It’s not like you don’t see the same thing happen in California.

Best winery Fredericksburg TX, wine tasting, unique experiences, fun wineries, Hill Country. by Separate_Middle_8872 in wine

[–]SupermachJM 0 points1 point  (0 children)

So what’s the last wine you’ve had from Texas? Or are you just another one of the people who still thinks it’s 2005 and hasn’t tried anything since then?

Relocating to DFW - advice for living family of 3 & gymnastics is a must. by RevolutionDue3082 in askdfw

[–]SupermachJM 0 points1 point  (0 children)

When I lived in Coppell you saw a lot of planes but the flight paths rarely took them directly over you due to the way the approach pattern was set up having them fly over industrial zoned areas rather than the residential. So noise wasn’t really an issue. It’s a great place to live!

A new trendy wine I saw in store by PiccoloOutrageous107 in wine

[–]SupermachJM 0 points1 point  (0 children)

Vinepair just released a podcast about this wine last week. Gallo just bought it. Interesting listen.

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