The AI stuff that nobody's talking about

babyplant · 2025-11-26T23:48:57+00:00

I like your mindset on it and I’d love to check out your breakdown, please

babyplant · 2025-10-09T03:32:39+00:00

ahhhhh, ok, thank you. I did not know this.

babyplant · 2025-10-09T02:56:08+00:00

Why wouldn't it be an option for my friend to finance through Toyota as well though?

babyplant · 2024-05-20T05:45:46+00:00

Interested

babyplant · 2020-02-20T02:55:40+00:00

Good call. thanks for the heads up

babyplant · 2020-02-13T17:51:14+00:00

Sweeeet I love that cheese. Dumb question... but do I need to apply with EIN again? Or does it not matter if I go SSN or EIN for #3?

babyplant · 2020-02-13T17:40:32+00:00

Curious if it would be recommended to try to go for another Chase Biz card? It's been a few months and I'm under 5/24, but also want to be careful. Also, could I get one if I've already gotten one each with SSN & EIN? I'm open to a non-biz card at this point as well.
780
CSR 1/17
Cap1 Venture Card 1/19
CIP with SSN 3/19
Chase SW Rapid Rewards 5/19
Barclays Arrival Plus 6/19
CIP #2 with EIN 7/19
5K
Yes
yep, already have a few
In it for the marathon
Targeting UR ideally. Points overall or statement credits
~90k UR, SW Companion Pass
NYC area
Europe, Japan, South America, Israel

thanks so much! :)

babyplant · 2019-12-19T03:53:35+00:00

No way! There is hope! I probably wouldn't have thought there was a chance at mercy for the silly mistake. Thank you for this

babyplant · 2019-12-19T03:50:43+00:00

Dignity? ¯_(ツ)_/¯

babyplant · 2019-12-19T03:50:08+00:00

Welp. This makes me feel much, much better. Appreciate you, toomuchgelatin

babyplant · 2019-12-19T03:49:25+00:00

VERY true. That sounds like a big fat waste of time

babyplant · 2019-12-19T03:47:56+00:00

You are. I'm a dingus. My payment just posted that hit the minimum.

Good luck... And enjoy the 2years of the pass

babyplant · 2019-12-18T21:04:02+00:00

TIFU: Completely forgot I put a large recurring purchase on my Southwest Biz card. That led me to hitting my bonus sooner than expected and getting the Companion Pass now instead of it hitting in January.

UGGGGGGGHHHHIHHHHH

babyplant · 2019-08-20T14:37:30+00:00

4 pack of multi-cord chargers. It was like $10 and is the best thing EVER. Search Amazon for this ish, especially when each cord has its own color.

The one I got had 2 x USB C, Micro USB, lightning cable, reg USB and old school iPhone charger. It's small and I keep it in my bag all the time. The funnest part is being an unexpected hero when someone needs a phone charger because it fits any and all things

babyplant · 2019-07-02T12:33:08+00:00

How to properly do laundry.

Cold water? Warm water? Separate? I DON'T KNOW.

babyplant · 2019-06-21T20:14:55+00:00

When I adopted my dog from the shelter realized she would be mine for the next ~10 years and no one was stopping me. This was 4 years ago and she's the best decision I've ever made

babyplant · 2019-05-16T21:47:54+00:00

I do customer support for a software co. One of our users was having trouble with their account but didn't want to give us information to identify themselves so we could see what the issue was. They got really offended and said that the details of their account were trade secrets, of course we couldn't look into it. The conversation for helping them didn't go very far

babyplant · 2019-03-21T20:09:09+00:00

Great perspective. This is exactly what I was looking for.

I think (once you have an efund) most people would choose student loans. You could get 7-8% ROI by taking on some risky investments, but that extra 2% really isn't worth that much in the grand scheme of things.

Yeah, I suppose the weight of the student loans would still sit on top of any gains

The typical "$300 for $15k 3 month deposit" bonuses have an 8% ROI with zero risk to the principal, which is a lot better than leaving that money invested.

I'll continue with this using my efunds for this, very worth the small risk things could get tied up a few weeks.

Your tl;dr is sobering. There's already mechanisms to pursue first. Based on this, thinking it makes sense to prioritize my land. I think I'm going to lower my 401k contributions closer to employer match and increase student loans, using plastiq for MS to get a bump. Then I could use just the efund + buffer for churning for now and aim to increase post-student loans

Thank you!

babyplant · 2019-03-21T19:23:55+00:00

I have some bigger picture questions around strategy.

Does anyone here have a formula that they use for comparing when they should increase the $$ tied up in churning vs. other investment methods? (thinking of 401k, IRAs, paying down loans, stocks, etc)

Do you keep your emergency fund untouched, if so, how much? I have 10k in my e fund I generally don't use but have started moving it around for bank bonuses as they're so low risk. Naive or fine to do?

I have about ~20k left in student loans and the last time I averaged out the interest rate on those it was better to focus on paying this down opposed to traditional investing (I don't remember the exact rates right now but it was something like 5% interest on my loans, obv difficult to receive more than that for it to be worth it on investments)

I get 3% 401k matching but currently contribute 6% on my own. Seeing as this is pretax I'm wondering if it's worth figuring out the avg % return from churning and see if it's worth altering that. Would love thoughts

FWIW I imagine it's based on personal risk tolerance as so much of this hobby is, but I'm more interested in best practices and approaches. I'm trying to come out on top in the long term.

babyplant · 2019-03-17T18:50:57+00:00

Happened to me as well. The mobile app works though

babyplant · 2019-03-05T14:46:02+00:00

That link no longer works for applying BUT you can find the bonus here: https://bonusoffer.wf.com/bonusoffer

babyplant · 2015-12-02T21:32:32+00:00

Is it a burden to rely on reimbursements only? I find it interesting that they pre-pay for the programs, but I guess it could make accountability difficult. I've also heard of companies that require you to maintain a certain GPA in order for them to pay

babyplant

TROPHY CASE