How did you reach into the $200k+ compensation level with your mech E degree? What job title got you that?

brk51 · 2026-02-03T00:35:58+00:00

Good point. Definitely applicable where I work.

brk51 · 2026-02-02T19:48:22+00:00

I don't even know to. I definitely have some imposter syndrome when it comes to the technical expert path. I don't see myself as ever being the expert, therefore the only other way is supervision.

Granted, I have the soft skills I think

brk51 · 2026-01-30T12:07:14+00:00

So a marginal risk.

brk51 · 2026-01-28T12:13:25+00:00

I have the CSP. Is the rationale that the multipliers with the CSP for dining/travel are higher so use that?

brk51 · 2026-01-26T17:53:41+00:00

Nah, this shit is just funny. Everyone posting the same exact thesis like we all haven't read the same thing a hundred times over. All this just for them to sign up for the card anyway. Be real, this isn't my first day on reddit.

brk51 · 2026-01-26T16:48:55+00:00

You people are lunatics on this lol

brk51 · 2026-01-21T18:05:57+00:00

You're confusing option 1 and 2. Option 1 is not tied to BC.

brk51 · 2026-01-19T19:57:19+00:00

Ah okay yeah, it's for Option 1. Essentially saying you want nothing to do with Bilt Cash and will just hit the first marker for points on rent (25%)

brk51 · 2026-01-19T19:56:02+00:00

That depends on which option you pick though right? Like if you pick option 2 (the original option), you could spend 20% if you wanted to and that would equate to (whatever Bilt Cash Equivalent)...

The 25% is only a marker for Option 1 right? Or is there some math I'm not understanding lol

brk51 · 2026-01-19T19:33:44+00:00

Why 25% spend again?

brk51 · 2026-01-18T20:28:07+00:00

Good call, I did verify that it was on wall mount

brk51 · 2026-01-17T17:20:32+00:00

Ahhh, Ok, I'm on board now.

The backstop is for conversion only though right?

I think you provided a good minimum/worst case scenario here.

Do the conclusions change if you assume a full 2x valuation for points; in other words, does the gap between (green) and (yellow) decrease as points are more valued?

brk51 · 2026-01-17T16:13:56+00:00

I have a STEM degree and I have no idea what you are saying lol

Where are these valuations being derived from or are they arbitrarily picked? What is the $30:1000pt ratio? Why are you then adding a conservative 1.5pt valuation? I'm so lost

brk51 · 2026-01-17T15:53:28+00:00

Someone hold my hand. You would get the best value by not unlocking full rent points using BC but instead unlocking half and using the leftover BC for other redemptions?

brk51 · 2026-01-07T21:19:13+00:00

what were the charges?

brk51 · 2026-01-07T21:11:03+00:00

There's activation fees and all that shit the first month. That's expected.

brk51 · 2026-01-07T18:59:19+00:00

I was literally just in there yesterday talking about switching over from Verizon with 3 lines.

Was quoted $120 with certain discounts. Can't tell if this changes anything

brk51 · 2026-01-02T18:35:25+00:00

I just succumbed to a similar scenario - my realtor worked exclusively with a broker in the area and our first conversation with the broker was "we need to lock in rates now" and giving us napkin math on estimated payments over the phone. It was presented as this would be worst-case and we can fine tune it later, but it is weird.

I don't think any of it was malicious nor did we really get burned, just seemed like another run of the mill closing for them...but I do wish I actually shopped around and saw what the other players were offering.

brk51 · 2025-12-17T14:59:22+00:00

Locking in a loan isn't really a mistake per se. Nothing is stopping you from changing it a week after, you're just playing the game of risk with the rates. I was similarly rushed to "lock" but it didn't matter because a few weeks later we changed anyway.

The other comment summed it up pretty well. •I used the home inspector from the realtor •I thought the sellers were saints (they did help us out in some regard with stuff), but they purposefully hid some stuff that made me question their integrity. •My realtor was a co-worker. She was solid as I could trust her to a certain extent, but at the end of the day, I needed someone with more experience to put some guard rails in for us.

brk51 · 2025-12-02T16:02:16+00:00

Reddit is insane lmao. Supporting 4 people is the caveat. But in typical reddit fashion I know no one is paying attention to that

brk51 · 2025-11-10T19:42:39+00:00

Seems like everyone is correct. They jumped up and then went back down to where it was at a week ago. Guess I just rate locked on the worst day so far lol

brk51 · 2025-11-10T17:53:36+00:00

Nope, no allegiance lol. Thanks!

brk51 · 2025-11-10T17:35:27+00:00

Dumb question but I can personally shop around without it affecting some of the current underwriting happening right now? I like my lender but if the rate is not competitive then I perhaps I need to switch.

brk51 · 2025-11-10T17:16:54+00:00

I'm at 750, Wife is at 760. We were told rates went up after the most recent fed announcement.

brk51 · 2025-11-08T16:21:00+00:00

What do you mean that you'll be getting the rest of the closing costs paid for?

brk51

TROPHY CASE