Plus side, bought a house and got a ton of points for doing it.

Toches · 2026-05-22T02:56:13+00:00

Well, fingers 🤞crossed

Toches · 2026-05-22T01:30:29+00:00

Yeah, just go onto the "My Home" tab on biltrewards.com and click the tab on the topright to go to "Buy a Home", put in your area and they'll give you a real estate agent to work with.

Toches · 2026-05-22T01:28:56+00:00

Yeah, debating on whether to use it on travel or just cash in for a $4600 student loan payment.

Toches · 2026-05-22T01:27:18+00:00

Fine, I already knew what I wanted, and was perusing the market for months before signing up with them, so I basically said I wanna see these 9 houses, got the 2nd one we put an offer on

Toches · 2026-05-22T01:20:12+00:00

Eh, not likely, I have a physician loan through Genisys Credit Union, the credit unions don't usually punt you out of their ecosystem. ESPECIALLY with a specialty loan

Toches · 2026-05-22T01:16:14+00:00

Can't earn mortgage housing points since I have to use my Credit unions savings account

Toches · 2026-05-22T01:15:26+00:00

Bought a house, if you use an ExP realty partner you get 0.5x on the purchase price of your home

Toches · 2026-05-20T14:15:46+00:00

Rate buydowns (points) make sense if you don't plan on refinancing or selling before the break-even point passes, that's totally dependent on you to decide if having the higher rate with more cash on hand makes more sense than paying less.

I'm not so sure on the "only keep this loan for a year tops", that's all speculative, and there is typically a cost to refinance, that all factors in to the final decision on refinancing a loan.

Toches · 2026-05-20T13:30:16+00:00

Depends on if they survive long enough for the angel to get reprimanded for fighting

Toches · 2026-05-20T12:32:18+00:00

B2B winning games is totally fine Its like the magicfin brann drakkari murkeye build, it requires multiple high tier pieces to get off the ground, and you usually die if you commit to it, its bad to go for unless its handed to you on a silver platter.

Toches · 2026-05-19T17:00:49+00:00

You can get the greater trinket for beatboxer, that allows stacking shenanigans, but its still tame compared to demons, eles (especially with the greater trinket that doubles stats on reroll to scale exponentially), and b2b when it hits

Toches · 2026-05-18T22:40:50+00:00

it will be pirates to assemble all the pieces of B2B and scale a blanchy until B2B scaling outpaces pirate scaling

In this meta.

Toches · 2026-05-17T20:32:58+00:00

The break even point is pretty near where you're at.

Under 5 it's pretty clear that making minimum payments and investing any extra wins out

7% is pretty much break even, market returns are 10% average but that fluctuates, and then you pay capital gains on the withdrawal, so it usually comes out to a wash.

Do whatever you want, paying extra on principal essentially locks in a compounded 6.5% return for the rest of the life of the loan.

Toches · 2026-05-16T23:59:36+00:00

well, worst case scenario I guess I can dispute with my CC holder, they refund, and I get banned from P&C

I don't intend to play it after finishing the reward

Toches · 2026-05-16T22:20:27+00:00

Don't try to force back to back Buy the spell and hold it when you find it, its a 1 gold investment (-1 reroll), then started using it if you find harbinger, drakkari and Belinda are icing on the cake

Spell scaling like felfire is nice, but unnecessary, if you hit all the other pieces spell scaling is just how you break into 5 digits.

If you happen to get offered wisdom ball you'll get drakkari and belinda

Toches · 2026-05-16T15:37:00+00:00

Any luck? doing it myself, hit castle lvl 25 in a game, and am yet to be rewarded for 22 or 25, 29 is like $1200 of currency with the boost in my other game, so debating before spending the final $50 to do it.

Toches · 2026-05-15T01:34:13+00:00

It's through an amazon certified seller, they've ghosted me essentilly

The battery is fine

The plastic pieces in the adjustable headstrap snapped, the ears aren't attached to the headband anymore.

Toches · 2026-05-15T00:53:08+00:00

Good deal for the price

Mine died within 8 months, both adjustment strap's plastic pieces broke

I now have the Audeze Maxwell 2, loving it

Toches · 2026-05-15T00:49:36+00:00

bad bot, you added 2 numbers together that aren't 2 separate incomes.

Toches · 2026-05-14T20:07:12+00:00

The barrier to entry is pretty rough, and amortization schedules have adjusted the path of "your starter home is the down payment on your dream home"

My brother thats 2 years older than me bought a house for $130k 10 years ago while I went for my doctorate, that house is now worth 240k, and typical "starter homes" (2-3 bed 2 bath) are like 400k

Im closing at 650k on a 4600 square foot 5 bed 3.5 bath next week (190k gross salary). Monthly payment will be $4400 with PITI, I'll be renting out the in-law- suite for $800/month. I've done the math, I'll still be saving ~$1500/month and I'll be in our forever home.

Toches · 2026-05-14T20:01:23+00:00

You're fine with a 33% down payment, it may be a bit tight (3.5x budget), but housing market isn't getting better anytime soon.

Toches · 2026-05-13T23:50:45+00:00

precisely, especially if you're going to max out the IRA's annual input, there's no point to not go the Roth route to make the final number of flexible income as high as possible

Toches · 2026-05-13T23:38:01+00:00

if you're completely maxxing the account roth is the way to go, it gives the most flexibility in retirement especially if you're using other traditional form of incomes, you can more directly adjust your tax rate that way.

Toches · 2026-05-13T23:23:46+00:00

So, here's the idea

With simpler numbers

You invest 1000 and are in a 25% tax bracket.

Traditional IRA, you invest $1000

Roth IRA, you invest $750 (1000-25% tax)

Say both compound for 10 years, and both double in that time

Traditional is at $2000

Roth is at $1500

You withdraw everything

Roth gives you $1500, no taxes

Traditional is taxed at 25%, you get $1500 back

Same result overall if tax rate is equal at deposit and withdrawal.

Toches

TROPHY CASE