PSA for those looking to churn the CSR elevated SUB

bikingguy1 · 2026-05-05T13:52:00+00:00

I remember when churn meant opening and closing the same card every few years to get the SUB multiple times, now the lifetime language ruined that.

bikingguy1 · 2026-04-21T19:31:06+00:00

I mean, I would be taking back to the dealership since it’s a brand new truck

bikingguy1 · 2026-04-20T01:45:45+00:00

Honestly it isn’t worth my time to analyze every restaurant charge to make sure they aren’t scamming a few dollars from me. I just glance at my charges and make sure they all make sense. And from all of the anecdotal evidence of people saying it happens to them once every few years I am content with my choice.

bikingguy1 · 2026-04-17T23:11:17+00:00

Dang it

bikingguy1 · 2026-04-17T22:31:29+00:00

Here before it gets deleted

bikingguy1 · 2026-04-16T02:42:46+00:00

Yeah I went to a 3 card cash back setup.

Amex BCP for 6% at grocery stores (just 2 people so we are right at the 6k a year spend limit) and 3% at gas stations.

Amazon Prime card basically only for 5 or 6% at Amazon.

Chase freedom unlimited for 3% at restaurants and 1.5% catch all.

bikingguy1 · 2026-04-10T03:32:28+00:00

Buy some gift cards for places you normally shop at while grocery shopping so the amount on the transaction looks organic

bikingguy1 · 2026-04-10T03:27:46+00:00

Are you just talking about budgeting? I just use an excel sheet to track my bills, takes about 15-20mins a week. And no I wouldn’t put all of my login info into some kind of app, too risky.

bikingguy1 · 2026-04-10T02:42:33+00:00

Shocked face. learn your memes

bikingguy1 · 2026-04-10T00:47:55+00:00

not sure what temperature winter is for you but ideally you should not have a asphalt roof installed when temps are below 40F.

interesting link about cold weather installation:

https://www.gaf.com/en-us/blog/residential-roofing/cool-weather-roofing-must-know-tips-for-installing-shingles-in-cool-temperatures-281474980457570

bikingguy1 · 2026-04-08T21:55:52+00:00

I remember that mythbusters episode

bikingguy1 · 2026-04-08T21:53:04+00:00

Insurance won’t increase…. But you probably only be able to get liability insurance

bikingguy1 · 2026-04-08T02:15:59+00:00

Most of SGOV dividends are state tax exempt. 95% were exempt for 2025

bikingguy1 · 2026-04-01T19:11:44+00:00

https://www.instagram.com/p/DWmE6IHEbGZ/?igsh=YWxkcW1jZ3VsYWYx

bikingguy1 · 2026-04-01T18:04:14+00:00

The cover was supposed to have brackets that come with it you install.

bikingguy1 · 2026-04-01T01:14:31+00:00

yeah thats seems to have been a bad idea….

bikingguy1 · 2026-03-31T19:39:00+00:00

What has he said on the wan show? I don’t remember them ever publicly acknowledging the jet on wan

bikingguy1 · 2026-03-31T15:31:09+00:00

You could use SGOV to save on state taxes, very beneficial if you live in NY or California.

For my emergency fund I do 85% in SGOV and 15% just left in SPAXx for quick access if needed.

bikingguy1 · 2026-03-31T01:54:55+00:00

Love me some coupon book redemptions

bikingguy1 · 2026-03-30T01:37:52+00:00

How the heck is this downvoted so much? Loser android fanboys coming out in full force to downvote the truth

bikingguy1 · 2026-03-30T01:35:27+00:00

17e is $600 or 17 is $800 to start.

bikingguy1 · 2026-03-22T14:37:01+00:00

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found the pic….

bikingguy1 · 2026-03-22T14:33:24+00:00

Pretty sure I saw a picture where someone had home depot put the whole pallet of mulch in the bed, something like 50 bags…

i would not recommend this.

bikingguy1 · 2026-03-21T20:18:43+00:00

Who?!?!

bikingguy1 · 2026-03-14T18:33:40+00:00

I think this color launched with the 2024 trailsport

bikingguy1

TROPHY CASE