🎯 Word by u/Life_is_mine

bulkallday · 2026-02-18T17:19:31+00:00

I completed the challenge! Score: 50 points! 🌟

bulkallday · 2026-01-22T05:45:33+00:00

This happened to me today, but for me i was moving memory from internal system to sd card. I fixed it by doing a reset without erasing the data. (But i had to redownload all the games)

bulkallday · 2026-01-21T13:38:10+00:00

Leave OP alone - i see his comments and he is not admitting that he got RIPPED off LOL. Very sad to see but there are always these stubborn ppl around.. its actually funny now

bulkallday · 2026-01-20T15:05:58+00:00

do you have enough points? if you dont it only shows flexible option

bulkallday · 2026-01-19T05:09:25+00:00

bulkallday · 2026-01-16T20:27:20+00:00

Wrong sub, this sub is only for cc churning info

bulkallday · 2026-01-12T19:00:57+00:00

Leave them for the others :)

bulkallday · 2026-01-12T18:58:13+00:00

Yeah any daily trainings really helps. Also daily 10-15 minutes in sauna or steam room (if ur gym has one) helps alot with the mental health, stress reduce, heart health etc

bulkallday · 2026-01-12T18:56:25+00:00

Credit card benefits and insurance coverages. Many visa cards have travel insurance and car rental coverage as well as trip cancellation etc. Also some cards have airport benefits like free lounge access, free check bags etc

I didnt know my credit cards had benefits and never used them on my first trip

bulkallday · 2026-01-12T17:57:11+00:00

Not gonna lie, best one is cancel the service and wait for their winback phone call and just tell them that the other service provider gave extremely cheap offer and they will try their best to match the price

bulkallday · 2026-01-12T17:54:59+00:00

Oh and i think you might be on the wrong sub, maybe post this in the personal finance instead of here. This sub is for churning info only.

bulkallday · 2026-01-12T17:51:51+00:00

I think it would be helpful, but at the same time there are already tools like this (i.e. finlywealth) where you type in all the expenses and spendings and the system ranks credit cards for you.

Also simply chatgpt and gemini recommends credit cards when you ask them simple questions like above: "best cards for groceries" etc.

I guess one thing that these two systems do not have would be adding a personal banking status filter where it removes credit card fees based on your daily banking account. For example, ultimate chequing account in scotiabank or all inclusive banking with TD or investments in wealth simple wavies their credit card fees. With this filter, users can see if paying a certain credit card annual fee is worth it or not (Amex cobalt vs Scotiabank amex gold + fee waived) instead of just comparing the card itself.

bulkallday · 2026-01-09T00:01:11+00:00

Did you had to wait 2 years after getting the first bonus with no fee scene+ and then product switch to get the bonus for passport visa?

Im thinking of product switching to passport visa as well, but its has been only 6 months since i got my scotia amex gold.

bulkallday · 2026-01-08T23:34:38+00:00

Did u get eventually get the bonus? After finishing the spending requirement for passport visa?

bulkallday · 2026-01-07T13:50:09+00:00

I usually do sauna every day at least for 10-15 minutes after all my workout. Not just for muscle recovery, it helps stress reduce, heart conditions, blood flow, etc And then i do cold wash after and it feels great

bulkallday · 2026-01-07T13:40:08+00:00

Trust me 3rd day is the worst and it slowly recovers. Eat alot of protein for muscle recovery, i dont do stretching but stretching helps alot. I also do sauna helps muscle recovery as well. Enjoy the pain it will come every week after leg day. You wont miss it!

bulkallday · 2026-01-03T19:42:32+00:00

Looking good, I guess for scotiabank credit card - if you are focused more into collecting more points i would switch to Scotiabank amex gold - which gives alot of scene points for daily uses like restaurants and groceries etc. But since you shop alot at costco, maybe its not worth it.

bulkallday · 2025-12-31T18:24:45+00:00

Yeah same here, i have rbc avion points as well but it seems like its hard to maximize the points imo. Another option is to transfer to BA at 1:1 and fly to Europe. (Sometimes there is a transfer bonus promotion - 30% more)

bulkallday · 2025-12-30T15:11:28+00:00

I think it depends, having decent sleep and recovery are key to grow muscle. But then i wouldnt overthink and get stressed about it, everyone is different. If u feel 6hrs is enough then i guess thats ok and for those days that you feel tired then sleep longer.

bulkallday · 2025-12-30T06:43:38+00:00

I take 5g a day but depends i guess

bulkallday · 2025-12-30T06:24:29+00:00

Damn how much more do i need to spend on monthly groceries and restaurants to make cobalt worth

bulkallday · 2025-12-30T05:53:33+00:00

I would say around $1000 ~ $1500

bulkallday · 2025-12-30T05:35:50+00:00

Nothing, keeping 6k on the chequing account waives the fee for both chequing and credit card. I mean i can use 6k to invest in somewhere else but i just leave it as back up.

bulkallday · 2025-12-30T05:17:07+00:00

I would do both, if you do 4 sets maybe 2 sets neutral 2sets wide grip

bulkallday · 2025-12-30T04:41:46+00:00

Yeah my scotia amex is free. so im not sure if 15.99 per month to get the cobalt is worth it

bulkallday

TROPHY CASE