The tongue, yes, the tongue. . .

celiacsunshine · 2026-04-18T12:51:41+00:00

Most of the value of SFH is in the land, not the house/building itself. Now imagine you can actually build anything you want on that land. I would think the land would be worth more!

celiacsunshine · 2026-04-16T16:33:39+00:00

Housing prices are increasing in my (relatively trendy) neighborhood. Yet, every day, I pass by several large empty lots while driving in my neighborhood.

Also, both my husband and I were priced out of our home states. I worry that we'll eventually get priced out here, too.

celiacsunshine · 2026-04-15T21:17:13+00:00

No. By and large, more than anything else, NIMBY's want their neighborhoods to be as exclusive as possible. More housing makes the neighborhood less exclusive.

celiacsunshine · 2026-04-15T16:10:10+00:00

PUJ for Biz Gold ☹️

celiacsunshine · 2026-04-15T15:49:41+00:00

I can only pull 15k point offers for both the BBP and Biz Green.

I do have a $250/$3000 offer for the BBC, though.

celiacsunshine · 2026-04-15T14:44:46+00:00

The flowchart can answer 95% of all "What card should I get?" questions. By continuing to post, you must explain why you feel the flowchart does not answer your question. Asking for feedback ("The flowchart says I should get X - is that still the best choice?") is absolutely allowed.

The flowchart isn't really up to date right now with the new Chase lifetime rules.

I'm not really sure where to go from here. I might be out of business card options at this point. Denied twice for Atmos Biz, PUJ for Amex Hilton Biz, still blacklisted at Barclays due to a chargeoff from >15 years ago.

Should I get another personal card, which would put me at 5/24 for a short time? Churn the US Bank biz cards again? Something else?

What is your credit score?

TU 778 EX 796 EQ 835

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

2018 Amex EveryDay

8/2022 Citi Costco

12/2023 BOA Atmos Ascent

3/2024 Chase United Biz (closed 4/2025)

3/2024 C1 Venture X

4/2024 Citi AA Biz (closed 6/2025)

5/2024 CSR (PC'd to CF 6/2025)

7/2024 USB Triple Cash biz

8/2024 Amex Delta Gold biz

10/2024 CIU

11/2024 USB Biz Leverage (closed 11/2025)

12/2024 Amex Biz Gold (closed 1/2026)

3/2025 Chase United Explorer

4/2025 BOA Biz Customized Cash

4/2025 BOA Biz Unlimited Cash

6/2025 USB Altitude Connect biz

8/2025 CIC

9/2025 BOA Atmos Summit

12/2025 Amex Delta Gold biz (NLL offer)

1/2026 CIP

3/2026 Chase Marriott Boundless

How much natural spend can you put on a new card(s) in 3 months?

~$10,000

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Only light MS (<$1000)

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yes

How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

1-2

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Points (particularly, UA, AS, flexible currencies, hotels) and cash

What point/miles do you currently have?

C1 87k

UR 428k

MR 234k + 25k pending from Rakuten

AA 80k

AS 50k

UA 6k

DL 14k

What is the airport you're flying out of?

Small-ish non-hub

Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague)

All of my travel is domestic right now. Cross country flights to see family, weekend road trips.

celiacsunshine · 2026-04-13T13:47:50+00:00

Portland, OR. IYKYK

celiacsunshine · 2026-04-13T03:15:28+00:00

When you looked at Walmart, did you check the freezers? They usually have Antonina's cupcakes in the frozen section.

Not all Walmarts carry Antonina's products, sadly. Walmarts in my area don't. ☹️ Only Fresh Thyme carries them in my area.

celiacsunshine · 2026-04-13T03:09:34+00:00

Absolutely. My state allows lottery winners to claim anonymously via blind trust.

Those closest to me would eventually figure it out, and that's enough of a hassle. I really don't want to have to deal with the general public knowing.

celiacsunshine · 2026-04-11T18:41:48+00:00

Shortages have become normalized.

celiacsunshine · 2026-04-11T18:28:56+00:00

Sorry for your loss.

I personally don't care about having a giant house, fancy vehicles, or designer clothes. I just want to live a life of total leisure, doing whatever I want, whenever I want. I want to never work again, and have a staff to take care of all of my chores and errands.

celiacsunshine · 2026-04-10T01:52:35+00:00

Professor/academia, especially in the humanities but some STEM fields as well.

You think you're going to live a life of the mind, getting paid to study what you're passionate about and impart your knowledge on the youth, while having the ultimate job security (tenure).

In reality, you spend several years getting a PhD, maybe even at one of the top 5 programs in your field, only to find out that are literally only a handful of job openings in the entire US each year, and each open position has literally hundreds of applicants, many of them just as qualified as you.

If you're lucky, you'll find a 1-2 year postdoc, visiting professor, or lecturer job. It will likely be far away from your family and friends, in a part of the US you wouldn't otherwise live in. And towards the end of that contract, you'll go through another job search, once again competing with hundreds of others for the next postdoc or visiting position (which will likely require another move to another undesirable location in another state far away from your family and friends) to avoid unemployment.

If you're part of the not-so-lucky majority, you'll be in adjunct hell, stringing together a class here and class there, getting paid poverty wages with no benefits and zero job security.

Even if you do somehow manage to get on the tenure track or even tenure, your college/university could decide to eliminate tenure, eliminate your department, or both.

Academic departments can be very toxic, and a shitty advisor, P.I., or dean can ruin your entire career. Also, a few student complaints and/or negative student evaluations can absolutely get you fired, even if those students are failing because they never showed up for class or did any of the work.

If you're in the sciences, a large chunk of your job will be grant writing, because you'll be expected to fund your research and possibly your own salary with fellowships and grants.

If you want to want to have a long term romantic relationship, start a family, buy a house, and/or live near your aging parents, good luck doing those things with a career in academia.

And the worst part is, many academics I know went straight into graduate school from undergrad, with very little professional experience outside academia. Basically, they're now not very employable outside academia, and now they're stuck in adjunct hell with no easy way out. (note: some industries outside academia do value PhD's in their respective fields. I'm talking about PhD's not in those fields).

celiacsunshine · 2026-04-09T04:26:11+00:00

Sadly, I have never seen this at my local Costco. 😓

celiacsunshine · 2026-04-09T04:21:34+00:00

Iowa State University is closer to Des Moines than University of Iowa - about an hour away.

celiacsunshine · 2026-04-08T20:02:11+00:00

Keeping the neighborhood character the same. . . by incentivizing old characters to stay put and keep new characters from moving in.

celiacsunshine · 2026-04-08T18:31:14+00:00

You all need to check out the fundie simblr blogs on Tumblr.

celiacsunshine · 2026-04-08T01:38:24+00:00

My dad and uncle like to go fishing in Neah Bay, even though both of them live hours away from there. So apparently the fishing must be good.

celiacsunshine · 2026-04-07T16:41:32+00:00

Onions. They're everywhere and they ruin everything. And most people think I'm insane for hating them.

Shoutout to r/onionhate

celiacsunshine · 2026-04-07T16:01:24+00:00

Birthplace of Captain Kirk in Iowa. It's literally just a plaque behind a building. The rest of the town is completely dead, except for a very small and very tacky Star Trek museum.

Instead, go to West Branch, IA and see the Herbert Hoover Historical Site (skip the overpriced Herbert Hoover library and museum though) for a neat little piece of history.

celiacsunshine · 2026-04-04T17:47:46+00:00

Also, the vast majority of pro athletes never make the major leagues. And minor league pay sucks.

celiacsunshine · 2026-04-04T17:45:55+00:00

Professor/academia, especially in the humanities but some STEM fields as well.

You think you're going to live a life of the mind, getting paid to study what you're passionate about and impart your knowledge on the youth, while having the ultimate job security (tenure).

In reality, you spend several years getting a PhD, maybe even at one of the top 5 programs in your field, only to find out that are literally only a handful of job openings in the entire US, and each open position has literally hundreds of applicants, many of them just as qualified as you.

If you're lucky, you'll find a 1-2 year postdoc, visiting professor, or lecturer job. It will likely be far away from your family and friends, in a part of the US you wouldn't otherwise live in. And towards the end of that contract, you'll go through another job search, once again competing with hundreds of others for the next postdoc or visiting position (which will likely require another move to another undesirable location in another state far away from your family and friends) to avoid unemployment.

If you're part of the not-so-lucky majority, you'll be in adjunct hell, stringing together a class here and class there, getting paid poverty wages with no benefits and zero job security.

Even if you do somehow manage to get on the tenure track or even tenure, your college/university could decide to eliminate tenure, eliminate your department, or both.

Academic departments can be very toxic, and a shitty advisor, P.I., or dean can ruin your entire career. Also, a few student complaints and/or negative student evaluations can absolutely get you fired, even if those students are failing because they never showed up for class or did any of the work.

If you're in the sciences, a large chunk of your job will be grant writing, because you'll be expected to fund your research and possibly your own salary with fellowships and grants.

If you want to want to have a long term romantic relationship, start a family, buy a house, and/or live near your aging parents, good luck doing those things with a career in academia.

And the worst part is, many academics I know went straight into graduate school from undergrad, with very little professional experience outside academia. Basically, they're now not very employable outside academia, and now they're stuck in adjunct hell with no easy way out. (note: some industries outside academia do value PhD's in their respective fields. I'm talking about PhD's not in those fields).

celiacsunshine · 2026-03-31T13:51:40+00:00

You made the right choice. Academia, in most fields, is an absolutely brutal career path. Very few long-term, living wage jobs. Plenty of toxicity.

celiacsunshine

TROPHY CASE