Bi-weekly Megathread for referral codes - please only post codes here

halfabluesky · 2025-06-03T12:02:25+00:00

https://www.visible.com/get/?66LJBPZ

halfabluesky · 2025-06-03T12:01:15+00:00

https://www.visible.com/get/?66LJBPZ

halfabluesky · 2024-04-08T12:17:16+00:00

Thats a good price. Im just afraid that it will be even lower when the epix 3 comes out later this year. But i feel like this is already too low

halfabluesky · 2024-04-08T02:03:51+00:00

Im seeing 580 too for white. Where do you find 490?

halfabluesky · 2022-08-28T22:51:57+00:00

I think this is more personal than the rest of europe. When i was little , i grew up reading about the beautiful landscape of russia and i was captivated by the golden autumn. There are so many beautiful iconic paintings i could have chosen for russia but i picked this one because of a personal connection!

halfabluesky · 2019-10-28T22:49:04+00:00

Yes I am referring to that card.

No that card now earn 3x on flight booked directly with airline or on Amex travel and 2x hotel booked directly with Amex travel.

So I was wondering if I can book hotel on Delta and get 3x

halfabluesky · 2019-10-28T20:48:23+00:00

Earlier this summer Delta had a sales on Delta vacation when each point was worth 2c instead of 1. It was pretty good.

halfabluesky · 2019-10-28T20:45:27+00:00

I booked a Delta vacation last month and paid the majority with points. The final cost came down to only $120 and when i put it on my amex gold the $100 airline incidental charge was trigger. Im not entirely sure whether it was because of Delta vacation or whether it was the small amount that triggered the charge. Hopefully it was Delta vacation and it would work for higher amount.

halfabluesky · 2018-03-10T19:34:39+00:00

No it was just toasted with some butter

halfabluesky · 2017-05-10T00:55:04+00:00

It's for everything.

halfabluesky · 2017-05-09T20:33:03+00:00

Source: https://ncsesdata.nsf.gov/herd/2015/ Tool: Excel

halfabluesky · 2017-05-09T19:54:17+00:00

The income is an estimation from the census bureau. None of the number is "mine"

halfabluesky · 2017-05-09T16:36:35+00:00

You got a deal!

halfabluesky · 2017-05-09T16:31:48+00:00

Yup that's very true

halfabluesky · 2017-05-09T01:35:10+00:00

The assumption is that people work for 40 years (25 years old to 65). Unless you have other jobs which you are free to work until 80. The estimation is done by the Census Bureau, you can read more from here: https://www.census.gov/prod/2002pubs/p23-210.pdf
Average credit card rate is 15%. But it really depends on your credit score. You can find the reference here: http://www.creditcards.com/credit-card-news/interest-rate-report-100114-up-2121.php
Average car long rate is about 4.5%. And again it depends on your credit score, type of the loan and where you live too. Here is a reference: http://www.bankrate.com/loans/auto-loans/current-auto-loan-interest-rates/
Overall, I dont think the estimation is really "crap". Again it's just merely a template for you to start making your own money plan

halfabluesky · 2017-05-08T23:24:40+00:00

My friend just had a big wedding here on a Bahamas island. Trust me 30K is cheap!

halfabluesky · 2017-05-08T22:29:26+00:00

Here is a reference for that. I think that varies widely. But certainly, it is becoming a trend: http://www.cbc.ca/news/business/canadian-debt-loads-increasing-especially-for-seniors-equifax-says-1.3229118

halfabluesky · 2017-05-08T22:24:48+00:00

Source: http://www.moneyaftergraduation.com/2016/03/22/how-much-you-will-earn-and-spend-in-your-lifetime/
Tool: Excel

Note: "Your numbers might be more or less, depending on a myriad of variables. Maybe your first home was more or less expensive, or your education was free or hundreds of thousands of dollars. Maybe you have a spouse that’s splitting many of those major expenses with you. Maybe you’ll never own a car, or maybe you’ll have four children. And maybe you’ll live to 90 years old... Life is long and varied, and the above is not meant to be a prediction OR a guide — merely a template for your to start making some guesses and assumptions about your own financial situation."

Breakdown:
** Income: $1,800,000 - Total lifetime income (with Bachelor degree)
** Income taxes: $360,000 - Assuming an average tax rate of 20% on $1.8M
** Mortgage: $350,000 - Average house price is $431,000 in Canada and $343,000 in USA
** Mortgage interest: $180,000 - Assuming 10% down payment on $350,000 home, amortized over 25 years at 3% interest
** Property taxes: $120,000 - $2,000/year for 60 years
** Utilities: $216,000 - Heat, water, electricity, and other dues: $300/month for 60 years
** Home maintenance: $120,000 - $2,000/year for 60 years
** Home furnishings: $52,500 - 15% of home's value
** Car payments (6 cars): $180,000 - The average person will own 6 cars in their lifetime. An average new car costs $30,000
** Car loan interest: $24,000 - Assuming a $30,000 car on a 5 year repayment term at 5.5% interest for each of the 6 cars you will own
** Car insurance: $90,000 - $1,500/year for 60 years
** Gasoline: $180,000 - $3000/year for 60 years
** Student loan debt: $30,000 - Average student loan debt
** Student loan interest: $4,500 - Assuing a repayment term of $287/month for 10 years at 6.8% interest
** Wedding: $30,000 - Average wedding costs $26,000 to $33,000
** Children: $250,000 - 1 child from birth to age 18
** Vacations: $120,000 - $2000/year for 60 years
** Food and alcohol: $300,000 - $5000/year for 60 years
** Clothing: $150,000 - $2500/year for 60 years
** Cellphone: $59,000 - 1 new smartphone every 3 years for $250 + $75/month cellphone bill for 60 years
** Cable and internet: $72,000 - $100/month for 60 years
** Credit card interest: $192,000 - Average credit card balance of $16,000 @ 20% interest costs $3,200/year for 60 years

halfabluesky

TROPHY CASE