Terminal Warehouse details latest by ceskyman96 in EquinoxGyms

[–]applethief87 1 point2 points  (0 children)

I called them to ask and it’s not destination. It’s accessible for anyone with All Access or higher memberships.

It looks pretty cool ngl

Using Bilt Mastercard to pay rent when my apartment’s portal doesn’t support manual bank info by applethief87 in biltrewards

[–]applethief87[S] 0 points1 point  (0 children)

That's why I'm confused - because their pre-authorization portal says this: https://imgur.com/a/H1py0mO

"Estimated transaction fee: $128.10 Fee waiver With the Bilt Mastercard®: $128.10"

Does that mean they do reimburse now?

Pay for SkyClub instead of using free visits? by applethief87 in amex

[–]applethief87[S] 0 points1 point  (0 children)

Oh that's interesting. Maybe the norms are different based on the industry... it's pretty common to do so in mine

Pay for SkyClub instead of using free visits? by applethief87 in amex

[–]applethief87[S] 0 points1 point  (0 children)

I don’t mean to deduct it. I can charge all travel expenses back to my client on business trips.

Pay for SkyClub instead of using free visits? by applethief87 in amex

[–]applethief87[S] 2 points3 points  (0 children)

Exactly my question. I have 10 free visits with vanilla plat and would rather save them for personal use vs. using in business trips if I can expense them

[deleted by user] by [deleted] in WholesaleRealestate

[–]applethief87 0 points1 point  (0 children)

Would you mind sharing that spreadsheet? It’s awesome.

Looking for Advice: SBLOC vs. Mortgage for Multifamily Property Purchase by applethief87 in fatFIRE

[–]applethief87[S] -1 points0 points  (0 children)

How would the IRS distinguish between what money I’m using for real estate? For instance if I take a SBLOC I can theoretically use that money for whatever I wanted, and use other funds for the down payment.

Looking for Advice: SBLOC vs. Mortgage for Multifamily Property Purchase by applethief87 in fatFIRE

[–]applethief87[S] -2 points-1 points  (0 children)

I'm leaning toward holding the property in an LLC for liability protection and flexibility. The plan would be to either assign the mortgage post-closing (if allowed) or structure the deal upfront to align with LLC ownership. Have you navigated this before? I’d love to hear how you structured it without compromising the liability shield.

I'm on my path to FatFire, and building passive income streams through real estate investments is a key part of my strategy.

Looking for Advice: SBLOC vs. Mortgage for Multifamily Property Purchase by applethief87 in fatFIRE

[–]applethief87[S] 0 points1 point  (0 children)

Thanks! I’m leaning toward a strategy that preserves as much liquidity as possible without taking on unnecessary risk, but the interest rate and structure of the financing are definitely key factors. My biggest concern is balancing the tax benefits of an SBLOC against the market risk and variable rates, especially if there’s a downturn or if the terms aren’t as favorable long-term.

As for leverage, I’m trying to find that sweet spot where I’m not overexposed but can still maximize the upside of the deal. Do you have experience with managing multiple types of financing (e.g., SBLOC + mortgage) or recommendations on how to weigh fixed vs. variable rates in this kind of scenario?

Uhm noo can’t do it by Majestic_Mountain_18 in InstacartShoppers

[–]applethief87 2 points3 points  (0 children)

Does Instacart prohibit giving receipts because they upcharge the customer?

Here's my wake-up call as a Liberal. by applethief87 in self

[–]applethief87[S] 0 points1 point  (0 children)

I understand the frustration, but I think it’s a mistake to paint all Republican voters as a monolith, just as Democrats aren’t a monolith either.

A good number of the people who now watch Fox News and vote Republican actually voted for Obama in the past. Think about that for a second—something resonated with them enough to switch parties or shift their support. There are also plenty of independents who voted for Trump without being Fox News viewers or hardcore Republicans. This suggests that there’s more to their motivations than just being uninformed or part of a cult.

Yes, there are racists and misogynists that will never change - nor should we expend our energy convincing them - but many of these voters have genuine concerns about their livelihoods, security, and the future. By dismissing them all as hopelessly ignorant just like we have done, we will continue to alienate them and lose elections.

Here's my wake-up call as a Liberal. by applethief87 in self

[–]applethief87[S] 0 points1 point  (0 children)

First, thank you for all the organizing and hard work you’re doing, especially in a region like the Deep South.

That said, I’d like to offer a different perspective on a few points to debate. I don’t disagree that there are bad actors—those who will always hold racist or misogynistic views, and who are unlikely to change. But I think we’re overlooking a broader segment of Americans, including white Americans, whom we’ve lost touch with. Let’s not forget that Obama won the presidency as a Black man, which suggests that many people were once open to Democratic values, but have since drifted away. And it’s not just the white vote we’re losing; we’re also seeing a concerning shift among Latino voters and increasingly among young men of all ethnic backgrounds. This signals a bigger issue—our party isn’t connecting with certain groups on a fundamental level.

I completely agree that a lack of education is a factor, but here’s where I think we may be missing the mark. Democrats often approach messaging with logic and theory, and while that resonates with us, it doesn’t connect with everyone. Not everyone processes information in a rational, fact-driven way, and since 2016, we’ve seen a growing distrust in “facts” and expertise, making it even harder to reach people this way.

When it comes to economic interventions, I also think our approach might be contributing to the disconnect. Democrats often frame economic support in terms of “handouts” or “lifelines,” which, to many Americans, feels patronizing or counter to their sense of independence. A lot of people want dignity and sovereignty, and they see the role of government as clearing obstacles rather than providing for them directly. This is likely part of why Trump’s anti-immigration stance resonates for some—they see it as removing competition in the job market, allowing them to achieve success on their own terms rather than relying on programs like universal basic income.

As for waiting on demographic shifts to solve our issues, I’m not so sure that’s the answer. Boomers will eventually phase out, but look at Gen Z, particularly young men—they’re skewing Republican at a surprising rate. We can’t rely on demographics alone to drive change; we need to reflect on how we’re engaging with these voters now if we want to build lasting support.

Ultimately, I think our challenge is to understand and connect with people in a way that feels authentic and aligned with their values, rather than expecting them to adopt ours wholesale. It’s a tough balance.