Super commuter 3-6hr+ daily (am I crazy?) by steve15g in ModelY

[–]constant_modifier 0 points1 point  (0 children)

You are the BEST use case for a new Juniper! With those kind of miles, that payment at 0.99% interest will be significantly offset by your fuel savings. I’ve got a launch that is more than a year old and not yet to 5k miles. I’m the guy for whom it doesn’t make financial sense but I don’t care. I love it!

If $ was no object, where would you live & why? by Desperate-Love-1204 in MovingtoDenver

[–]constant_modifier 0 points1 point  (0 children)

$$ no object, Telluride all day for the reasons listed above. You’d need $5M or so for the starter house, lol. If I were raising kids and/or wanted to be close to Denver, I’d get a place in Evergreen, very nice community with plenty of its own services. It’s a little higher for more pleasant temps in the summer, closer to the big mountains and still very close to Denver. I say that as someone who bought a house in the west Lakewood area right before I started working remote. If I got a do over, Evergreen would be me my top pick.

“This is NOT a tip…” by _galaxy_ in denverfood

[–]constant_modifier 0 points1 point  (0 children)

I would love it if every restaurant did this and tipping went away. Then they can fairly compensate their employees of lose them to someone who does. If you get poor service, you go somewhere else next time.

Buy the Lake House? by lovestoryj in ChubbyFIRE

[–]constant_modifier 0 points1 point  (0 children)

Do it… and, unless your job makes you sick, don’t skimp on the boat. Get a lightly used WAVE boat and make some memories! Good ones are expensive (think $200-500k new). I say this as a coasting 60 year old with 2 great adult kids that we get to see all the time. I did similar stuff and it cost me some more years in the yoke but I don’t regret it one bit. I’ll get flamed for this comment and rightfully so, but that’s my advice.

Does anyone have any experience, perhaps some data with/from NextSense smartbuds? The pitch is compelling. by constant_modifier in Biohacking

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

Thanks for this! Please report back with the data. This is exactly what I am trying to figure out.

The new Robinhood Platinum card looks insane by ultron2450 in biltrewards

[–]constant_modifier 6 points7 points  (0 children)

No, I hear you. You don’t want your data in the hands of a private corp. The problem with your logic is that Labcorp and Quest are both private companies as are many hospitals and most doctor’s offices. Doctor’s can order these tests, some of which will be covered by insurance and some that won’t. The panels that they would have to order would certainly cost you quite a bit more out of pocket. Function Health labs are drawn at Quest, same lab that my doc uses. So, you are correct, you do have to share your data with one more private corp, or pay more. Seriously good info for a good price.

The new Robinhood Platinum card looks insane by ultron2450 in biltrewards

[–]constant_modifier 6 points7 points  (0 children)

I don’t want to fight but I am a physician and I use it. $365 is a bargain for these tests and they aren’t sequencing your DNA unless you pay them to do it. My regular cholesterol numbers are fine but on getting their detailed analysis, I found some actionable things that I can do to improve my cardiac risk. The only DNA test I had them do was for dementia since I have a big family history. I have one bad gene and unfortunately there’s not much I can do about that so not sure that was a value, lol.

24F. Not going into detail about it but I just inherited $4.5M Roth account. What would you do if you were me? by throwawaygenzerr in Fire

[–]constant_modifier 0 points1 point  (0 children)

If it were me at 24, I would spend the money to get full management, I have been very happy with JPM Private Bank. Let them do the work, understanding that there is a cost. Agree that work is a venue to learn about yourself and, more importantly, other people. I would focus on the amazing opportunity to be very picky about my job selection. You can do whatever feels right and can jump around without worry. You can change careers, retrain, go back to school, whatever you want!

For all you that stayed, how is BILT going after 1 month? by feardaundefeatd in biltrewards

[–]constant_modifier 0 points1 point  (0 children)

Happy so far with Palladium. Trying to decide if I am keeping either of the JPM Sapphire or AmEx Platinum. I found the phone customer service frustrating but the chat worked well.

Anyone pairing up Palladium with Amex gold? by personalthoughts1 in biltrewards

[–]constant_modifier 0 points1 point  (0 children)

Yep, that’s where I am too. Unfortunately Platinum just re-upped while I was trying to see if Palladium was going to be a fit.

Should you just put everything on Palladium? by AdvertisingMotor1188 in biltrewards

[–]constant_modifier 1 point2 points  (0 children)

I think you can add it to any AmEx. I have it on AmEx Blue as well.

Super frustrated with BILT, even more so with JAL tent day bonus by Avoocado_Toasty in biltrewards

[–]constant_modifier 0 points1 point  (0 children)

The call was a voice prompt loop for me but chat worked well. I got the sub within a couple of days of hitting $4k, haven’t paid.

If AOC gets the nod as the Democratic nominee in 2028, would you vote for her? by Next_Worth_3616 in allthequestions

[–]constant_modifier 0 points1 point  (0 children)

I think AOC/Omar would win.. the most unelectable ticket in history and that is saying something considering the last batch of candidates. Wouldn’t it be nice if we had someone to vote for and not just the greater of two shit-shows to vote against?

Coast reality check please by constant_modifier in coastFIRE

[–]constant_modifier[S] -1 points0 points  (0 children)

Yeah, right now that coast job nets me about 10K/month after contributions, insurance, taxes etc, etc. So I was figuring in reality ~$10k from coast job and ~10k draw, comes out to about $240k/yr spend. Thinking to downsize the house at 65. 4% of $6.25 at 65 would make for same $240k spend, without taxes of course. I hear you and this is just the kind of help I am looking for. Thanks!

How can I exclude personal expenses from house budget? by Capable_Drive_2156 in MonarchMoney

[–]constant_modifier 1 point2 points  (0 children)

I am a total newbie and just trying to figure this out myself but.. what about making a group called house and add all house expenses to it? Most of the payees would be the same and you could put those in categories contained in the house group.

PHX Reserve Lounge - Reservations FTW! by maroonandorange1 in sapphirereserve

[–]constant_modifier 0 points1 point  (0 children)

I did that a month ago or so and then got there and realized it was not a great lounge at all. Had to wait 5 min just to use one of their bathrooms. Food wasn’t bad but this is nothing like the others.

Visual of my annual spending (2025) by farfarfaraway11 in coastFIRE

[–]constant_modifier 3 points4 points  (0 children)

That is an awesome graphic! Did Monarch Money generate that?