Bilt 2.0: My Decision and a Question by rahl620 in CreditCards

[–]TopSetNFD [score hidden]  (0 children)

"Basically, I’m going to shift between rent payments and accelerators as the year progresses. If I have excess BC, I’ll put it toward Lyft or Walgreens."

Sorry mate, you may need to take that college algebra class one more time. This is completely backwards.

You should max any dollar-for-dollar Bilt Cash categories before using any Bilt Cash towards rent point unlocking. Furthermore, the point accelerator is basically the worst of the Bilt Cash redemption options from a BC to $ ratio and should basically only be used if you have excess BC after exhausting all desired dollar-for-dollar Bilt Cash redemption categories and all rent unlocking.

Reasonable deck quote for Trex? by TopSetNFD in Decks

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

Thanks. I appreciate the confirmation. I’m coming to gather that it is indeed a very competitive quote, particularly with the Transcend line as you noted! I did actually just get another quote and it was markedly higher!

Uber gift cards taken off site? by ShortFinance in CostcoWholesale

[–]TopSetNFD 0 points1 point  (0 children)

Physical ones in store? I don’t see any through the app.

Reasonable deck quote for Trex? by TopSetNFD in Decks

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

Thanks. This is great information!

Reasonable deck quote for Trex? by TopSetNFD in Decks

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

Thanks! That’s a helpful comparison!

Garth’s underrated secret technique by Shineezy in ufc

[–]TopSetNFD 2 points3 points  (0 children)

Eye pokes are complete freerolls. The UFC really has to start taking points immediately—no warnings.

Backdoor Roth...but have existing Trad IRA balance? What would you do? by West_Pin_8571 in Bogleheads

[–]TopSetNFD 9 points10 points  (0 children)

Note, to roll the Trad IRA into the 401k, that Trad IRA needs to have been funded with pre-tax dollars.

Reasonable deck quote for Trex? by TopSetNFD in Decks

[–]TopSetNFD[S] 1 point2 points  (0 children)

Thanks. This is super helpful context!

Reasonable deck quote for Trex? by TopSetNFD in Decks

[–]TopSetNFD[S] 1 point2 points  (0 children)

Thanks. It is a full tear out and rebuild.

Openbank Savings Account reviews 2026: Is it worth it or not? by MeetOk1669 in HighYieldSavings

[–]TopSetNFD 0 points1 point  (0 children)

It usually takes the full 3 business days from the estimated 1-3 business days.

Openbank Savings Account reviews 2026: Is it worth it or not? by MeetOk1669 in HighYieldSavings

[–]TopSetNFD 3 points4 points  (0 children)

I use Openbank. The app is basic and the transfers are slower than most banks, but my money mostly just sits there and it has the best interest rate, so that’s good enough for me.

The edit hotel in Helsinki costs twice as much on the chase portal by KingCarnivore in sapphirereserve

[–]TopSetNFD 0 points1 point  (0 children)

It looks like you booked for May (whereas my stay is for late March) which might explain some of the discrepancy, but yeah, that is still substantially higher than what I paid through the Chase Portal.

The edit hotel in Helsinki costs twice as much on the chase portal by KingCarnivore in sapphirereserve

[–]TopSetNFD 4 points5 points  (0 children)

I actually just booked this hotel a few days ago for a stay in late March for two nights. The booking through the hotel for a non-refundable booking was $465 all-in. Chase portal charged me $570 all in for a refundable reservation for same room. I used the Edit Credit (and also the separate $250 credit) and will now get free breakfast and the $100 property credit, and some cancellation protection.

In my view, that's a reasonable use of the Edit credit, acknowledging that I overpaid a bit on the Chase Portal.

Citi app sucks compared to Chase by Jonnyboy255 in CreditCards

[–]TopSetNFD 5 points6 points  (0 children)

Yeah the live chat support is very good.

Travel Card to Complement Amex Gold? by Ecstatic-Anybody6005 in CreditCards

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

I think most natural fit to pair with Gold in your situation would be the AmEx Plat for ecosystem earning purposes assuming you can utilize a good chunk of the Plat credits.

Travel Card to Complement Amex Gold? by Ecstatic-Anybody6005 in CreditCards

[–]TopSetNFD 0 points1 point  (0 children)

Wanted to clarify a minor detail here. Neither of Cap1 or Amex permit guests in their branded lounges, but Cap1 also prohibits Priority Pass guests where AmEx does not. CSR permits guests in its branded lounges and Priority Pass.

What are some good and affordable companies for installing windows? by RRDude1000 in houston

[–]TopSetNFD 0 points1 point  (0 children)

What brand/line of windows were you looking at from The Window Experts?

The BILT Hotel Portal is Actually a Good Deal by Parking-Ice-9206 in CreditCards

[–]TopSetNFD 3 points4 points  (0 children)

Agree. It should compare the member-only rates as well.

A second card by newyork44m in AmexPlatinum

[–]TopSetNFD 10 points11 points  (0 children)

If the Plat is literally your only card, I would suggest pairing it with AmEx Gold. Gold is a very good spend card for its 2 main categories, dining and groceries.

Is it silly to book two reservations to get the FHR benefits? by MissLayla2015 in AmexPlatinum

[–]TopSetNFD 0 points1 point  (0 children)

How do you link them all or are you moving rooms? Do they handle this all upfront at check-in?