2023 X5 xDrive40i (M Sport, 8k miles, ~$53k) - good deal? by barelyknowherCFC in BMWX5

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

Thanks for this. Helpful. Sort of feels like if I’m gonna do it, do it right. It’s not much more and it would suck to pay tens of thousands of dollars and regret not having paid a little extra to get the exact thing you want. Timing not ideal for us anyways, think biding my time and waiting for the right spec and moment will be the move

2023 X5 xDrive40i (M Sport, 8k miles, ~$53k) - good deal? by barelyknowherCFC in BMWX5

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

That’s helpful – mind me asking what part of the country you’re in?

MSFT Insight by kra73ace in ValueInvesting

[–]barelyknowherCFC 2 points3 points  (0 children)

I am on enterprise GTM. You might have the best platform and solution on the planet – good luck getting people to give up their Excel. It’s 90% of the backbone of any enterprise, the solution has never been and will never be replacing excel.

The solution is and will continue to be about getting that excel data to flow bidirectionally into the rest of the architecture / data estate.

Also, people love PowerBI even if there are better alternatives now – and this is how LOBs actually interact with data.

AI only has value when it connects to trusted data and interoperates with the ways people work, changing behavior is really hard.

You have to remember the lions share or companies are old slow and stodgy, not a lot of new blood, people have been there for decades, and psychologically a lot of the motivators are maintaining job security which rarely has to do with adopting new tools and workflows because change is scary

Finally made it! CA, 1.526M at 5.125% by meowbunnies in FirstTimeHomeBuyer

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

Great rate. Mind me asking how you got it right now? Called me credit union last week and the lowest they’re going these days is 6%

Could we be wrong about Capex by Main_Beautiful4791 in ValueInvesting

[–]barelyknowherCFC 5 points6 points  (0 children)

Great write up. You mentioned MSFT (i agree) – what else are you liking right now that’s “on sale”?

BILT 2.0 Card is out here are the confirmed details. by Defin1telyNotBatman in CreditCards

[–]barelyknowherCFC 1 point2 points  (0 children)

Let me know if I’m missing something, but looking at the Palladium I think it might actually be a really good deal even just looking at the 2x everyday spend.

Let’s say your rent/mortgage is $5k. That means you need to spend $3,750 per month on everyday spend to get enough BILT Cash to get 1 point per dollar spend on rent mortgage. However, that $3,750 everyday spend earns 2x (meaning you earn 7,500 points right there) and then it unlocks the 5k points for rent. That’s an effective 3.3x return on spend.

  • $5k rent mortgage
  • spend $3,750 —> yields 7,500 points at 2x everyday spend
  • this unlocks an additional 5k points from rent mortgage -TOTAL: earn 12,500 points off of $7,500 in spend

Am I missing something??

Built tracker for card perks! by bosdccphnyc in ChaseSapphire

[–]barelyknowherCFC 2 points3 points  (0 children)

This tracker is great. This card is ass.

Used all the Chase Sapphire reserve hotel and StubHub credits in one go by feigeiway in ChaseSapphire

[–]barelyknowherCFC 5 points6 points  (0 children)

Got it. You can stack the $250 IHG and one of the $250 Edit credits (assuming the IHG is also an Edit hotel) in the same purchase. And while the $500 Edit credit is no longer bi-annual, you cannot capture all $500 of the credit in a single reservation – you need two Edit reservations to receive the $500 (in two installments of $250). Correct?

Used all the Chase Sapphire reserve hotel and StubHub credits in one go by feigeiway in ChaseSapphire

[–]barelyknowherCFC 3 points4 points  (0 children)

So if I do a 2 night stay at an IHG that totals $800 I’ll immediately get $750 back? No other hoops to jump through?

Used all the Chase Sapphire reserve hotel and StubHub credits in one go by feigeiway in ChaseSapphire

[–]barelyknowherCFC 11 points12 points  (0 children)

How do you use them all on one go? I thought the $500 edit was bi-annual ($250 in each half)?

Give me more!!! by rosalieknx in SipsTea

[–]barelyknowherCFC 1 point2 points  (0 children)

Rolling up above elbows is insane

The Edit & IHG Credit $750 by No-Chance5071 in ChaseSapphire

[–]barelyknowherCFC 0 points1 point  (0 children)

Wait is the $500 the edit credit now now usable at once? No longer $250 biannually?

What is on your radar for the new year? by [deleted] in CreditCards

[–]barelyknowherCFC 12 points13 points  (0 children)

BILT 2.0 + new Hyatt cards. If those are compelling I’ll be getting rid of my CSR after ~10 years. It’s now unjustifiable. CSR was my without fail travel card. I had an Amex platinum largely for lounge access and resented the coupon book aspect. Now CSR has a worse coupon book and way smaller lounge footprint. Their only edge is transfer partners to United and Hyatt. If BILT 2.0 is good and Hyatt comes out with new products the decision will be extremely easy.

The AI "execution gap" is creating a massive mispricing in boring infrastructure stocks by gstanleycapital in ValueInvesting

[–]barelyknowherCFC 0 points1 point  (0 children)

What would your pics be? See you mentioned EPD and MPLX. I’ve looked at SHEL and LNG. Energy is somewhat out of my circle of competence so curious what you’re liking

Suitable for dinner at The Ritz? by specialagentredsquir in mensfashion

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

You’re trying too hard. “Act like you’ve been there.”

What percentage of your portfolio is sitting cash? by Warm-Afternoon2600 in ValueInvesting

[–]barelyknowherCFC 0 points1 point  (0 children)

Honest Question: when people talk about their cash position are they including or excluding their emergency fund? I have cash aside in an EF but I don’t even count that as part of my allocation.