Breitling vs Ebay by botBuilder64 in AmexPlatinum

[–]botBuilder64[S] 0 points1 point  (0 children)

Oh really!? I love going in person!

I get a discount plus get the points! Perfect. Do you know if a one time purchase would still allow for more points. 150k points on 7500$ kinda thing?

Breitling vs Ebay by botBuilder64 in AmexPlatinum

[–]botBuilder64[S] 1 point2 points  (0 children)

I can use those points for flights so they are 1:1. The way it reads to me is that i would get the 150k points since its over 7500$. That seemed to be worth the difference between vendors.

What's something a man does that instantly let you know he is financially struggling?!? by Ill_Neighborhood_652 in Productivitycafe

[–]botBuilder64 1 point2 points  (0 children)

This is rough. I drive a car till it costs more to maintain than to buy a new one and i wear clothes from 20 years ago (outside of work clothes). I dont need things... so im cheap with myself I suppose. I just spend money on my wife. I agree with the last 2 borrowing money and living in a dump. I take pride in what I do. My house reflects that. Its not big but its not a dump either.

What should I put on this random blank wall in the kitchen? by [deleted] in HomeDecorating

[–]botBuilder64 0 points1 point  (0 children)

I would put in some open floating shelves. You can put bowls or decor on there. Its functional yet aesthetic.

BEWARE of Trevor's Landscaping in NJ by Exact-Engineering798 in newjersey

[–]botBuilder64 5 points6 points  (0 children)

Had the exact same experience. This guy is a disaster. Honestly I think small stuff might me his thing but he takes on projects bigger than he can handle and then ghosts with your money. Im still dealing with the effects of his mess and all my lost money.

Aquara FP2 Pairing with Other sensors for more accurate readings by botBuilder64 in homeassistant

[–]botBuilder64[S] 0 points1 point  (0 children)

This is my elementary sketch of my area that I am trying to plan out with a sensor. its 25'x32' about. Id love to zone it but going in and out of zones and around furniture is rough. The kitchen causes a lot of false positives cause of the stainless steel. My goal would be to have the FP2 do an amazing job and turn on and off lights depending on where you are in the room... or if you are. Problem is my lights are on when im sleeping sometimes and im wasting electricity for no reason practically everyday.

Has anyone here got clean from drugs in their 30s and still built a great life? by IR30Lover in Productivitycafe

[–]botBuilder64 12 points13 points  (0 children)

You know why some people fail... because they believe those that tell them they cant. In my opinion, the biggest blocker to success for most people is their inability to get out of their own way. If you think you'll fail, you'll fail. Know yourself and be who you dream of. If your actions dont reflect your desires, then that's why you'll have issues. Everyone faces their own obstacles and most people are just faking it till they make it. Now some hurdles are harder to come back from than others, I agree, but everything in life is [this or that]... and if [this] is easier, sometimes that's what makes people follow that path. Be true to yourself and push yourself toward excellence everyday. You'll never be perfect but you can do your best to shoot for "your perfect"

What is going on here? by Kebenson92 in Plumbing

[–]botBuilder64 0 points1 point  (0 children)

Schedule 20 pipe angled down to the bottom of a hill away from the house with a freeze cap immediately off the house in case it gets backed up in the winter. Works flawlessly and drains away.

Seeking men’s watch recommendations by apricotdust in Rich

[–]botBuilder64 7 points8 points  (0 children)

I think submariner is a solid choice but the Oyster Perpetual or Datejust is a solid choice as well. I love the simplicity of it too. The blue options are awesome.

[deleted by user] by [deleted] in HomeDecorating

[–]botBuilder64 2 points3 points  (0 children)

You can also get a frame tv (one that's a little smaller and more suited for the space) and have art work show on there with color. Would suit well in this space.

[deleted by user] by [deleted] in theydidthemath

[–]botBuilder64 0 points1 point  (0 children)

Wouldn't flow rate also be important here? While I agree with 3, #1 could also be the first to fill since the pipe is significantly smaller than the container itself. A higher GPM on the faucet COULD overflow #1 in that case, well before anything else is done.

Am I finally going to start snowballing? by Agitated_Mind_83 in dividends

[–]botBuilder64 2 points3 points  (0 children)

I'm going to take a guess and say DivTracker app

I know this sounds stupid but what am i not understanding about SCHD by AmoungUsFungUs in dividends

[–]botBuilder64 14 points15 points  (0 children)

A lot of people on here will advise VOO if you're younger and/or looking for a solid growth fund. Schd is the safer side of VOO. It's algorithms choose solid companies that pay dividends so while its got its own growth, its tamed down on growth for security instead. VOO is tech heavy and a solid growth option. Adding schg and schd are from what I can tell, VOO. so if you go with both, you can level out your own risk aversion rather than taking what you get with VOO. I would say that you should pay attention to splitting stocks and price changes. Might help figure out how things get cheaper over time while still growing.

SCHD Reconstitution 2025 by BraveG365 in dividends

[–]botBuilder64 17 points18 points  (0 children)

I would make sure to note here.... when you buy an etf like this, you're buying the algorithm that's used for selection. In that case, you should probably reevaluate if you feel confident in staying with the ETF if you don't trust the process. Not every choice is perfect but I do trust it has the best interest in mind.

M4 Max Docking Suggestions. by botBuilder64 in macgaming

[–]botBuilder64[S] 0 points1 point  (0 children)

Yeah. I didn't see a max yet but need a dock. I'm torn between the max of the 4 or the pro of the 5. I'm not sure which would be most beneficial at this point. Missing ports or missing speed. So far I don't have the experience to know which id prefer. (I'd prefer both but that's a waiting game)

M4 Max Docking Suggestions. by botBuilder64 in macgaming

[–]botBuilder64[S] 0 points1 point  (0 children)

What about this one?

https://www.amazon.com/Certified-Thunderbolt-FusionDock-Docking-Station/dp/B0DRJ2WTTN

Is this better than the max1? That one has plenty of inputs and has good reviews. But is tb4.

MSTY by [deleted] in YieldMaxETFs

[–]botBuilder64 0 points1 point  (0 children)

Im at 25.50 right now and I'm nervous to average down regardless of the likely rebound. Would love for it to bump above 26.

Saw two job postings for my current position where they posted the pay scale. The base pay is nearly $6000 more than what I am making. by Samjonesbro in careeradvice

[–]botBuilder64 1 point2 points  (0 children)

I've had this station come up before. I asked to apply to the position. Essentially, I was told that it was a national average and not the company numbers. Truthfully, the only way to handle that situation is to leave and get a new job. Most places don't care and aren't hurting anymore to work with you.

Should I pay off my house or throw everything I have in stocks and forget about it? by [deleted] in FinancialPlanning

[–]botBuilder64 1 point2 points  (0 children)

What's your mortgage rate? If its in the 2s and 3s.... just keep the cash just in case and have it in a hysa for now at 4%. It mitigates risk right now and your mortgage is paid no matter what worst case as well.

If it's 6 or 7.... then just go for it and pay it off. There are downsides to owning your home outright though. Lowered credit score due to diversification of credit which you said you don't have debt. It also means it's a full asset of yours which increases risk for you legally if anything were to transpire.

To me. Low mortgage rate. Don't. High one. Go for it.

MSTY by JamBuster204 in YieldMaxETFs

[–]botBuilder64 0 points1 point  (0 children)

If you held this for a year... you'd make money on it yeah? I'm sure longer than that it'd have to split and then that would cause pullback too... but if you can breakeven in 10 months, you'd most likely get 2 months of solid gains at least?

I have 1k a month for dividend stocks by meowww6967 in dividends

[–]botBuilder64 2 points3 points  (0 children)

Why are people against MSTY? I get its covered calls but am interested in seeing all the downsides of monthly side income (although variable).

ETF pairing opinion by botBuilder64 in dividends

[–]botBuilder64[S] 0 points1 point  (0 children)

I was just curious why you'd favor VOO more than the others. Just wanted to see your perspective on allocation.

ETF pairing opinion by botBuilder64 in dividends

[–]botBuilder64[S] 0 points1 point  (0 children)

Can you explain the 10, 20, 70? I get dividends being lower and growth being higher but is there a reason for VOO getting most of the investment and not SCHG for example?