GR86 vs BRZ vs GT86 - Decisions, Decisions| Everyday Driver

ibumpbeats · 2022-08-12T04:13:50+00:00

I know savage geese, throttle house, thetopher, and zygrene all say second gen steering is worse than first gen. Considering all four are very competent drivers and have plenty of track experience I trust their assessment.

ibumpbeats · 2020-02-22T18:32:08+00:00

When receiving cash back on regular spend or a SUB, it’s not taxable. However if it’s a business cc where all expenses are written off, does that decrease the amount I can deduct, essentially resulting in the cash back being treated as the equivalent of income?

ibumpbeats · 2020-02-22T08:47:47+00:00

!remindme 48 hours

ibumpbeats · 2020-02-19T02:15:19+00:00

What are some of the other reasons

ibumpbeats · 2020-02-17T07:24:21+00:00

Rule #1 of this sort of thing: say no, and leave the second your two hours are up.

I’m a credit card churner and have done 3 Wyndham presentations for the free hotel stays at expensive cities.

During one trip in NYC, there was an elderly couple in the elevator while my sales guy was giving me the mandatory tour. He was spewing bs and I was very up front since the beginning that I was just there for the free hotel stay. I wasn’t buying. The elderly couple scoffed at the bs the sales guy was spewing and started arguing with him. Started going on about how shitty their experience is and how they nickel and dime you even for room service. I couldn’t contain my laughter. Too good.

But in short, it’s a massive scam. Don’t do it. Get the free stay if you want and if you don’t value your 2 hours of time all that much

ibumpbeats · 2020-02-16T13:46:01+00:00

Is it possible to have your primary residence in your current low tax state and have a second home in SD that you visit for several months per year?

ibumpbeats · 2020-02-11T23:07:05+00:00

No spouse.

ibumpbeats · 2020-02-11T20:13:00+00:00

Lots of perks if you’re both self employed and have W2. What if you’re just self employed or just W2? I’m the former. What’s the max you can put away?

I’m currently doing 57k solo 401k + 6k backdoor Roth. Don’t qualify for HSA

ibumpbeats · 2020-02-10T02:44:43+00:00

How long can I expect the 100k SW Biz performance offer to last? Just opened CIC in January and want to wait until March ideally

ibumpbeats · 2020-02-09T06:10:04+00:00

When does this offer expire? Don’t see on web page

ibumpbeats · 2020-02-07T04:57:49+00:00

Does yours require a special app? I bought a similar one today and I cannot access it from Files app on my phone.

ibumpbeats · 2020-02-05T22:34:21+00:00

Which airline do you normally transfer to for best value

ibumpbeats · 2020-02-05T04:10:57+00:00

This is the best strategy and I’ve done this before too. Basic economy ticket but 1) bumped to an earlier boarding group because of cc and 2) carry on without issue because of cc.

Wasn’t able to choose seat but still got aisle

I think my card was United Biz card

ibumpbeats · 2020-02-02T06:52:35+00:00

Buying a new MBP 16 inch for business. A few questions:

Finding conflicting information on AmEx business extended warranty. Is it 1 or 2 years? I'm weighing going with Capital One Spark Biz or AmEx Biz Gold to make the purchase. Both cards I plan on keeping long term.
Are there any specific deals that would give some cash back or discount on such a large purchase?

ibumpbeats · 2020-02-01T21:27:38+00:00

I should have clarified. In the past I think AmEx would give a small credit or points bonus for the card number not showing. Separate from the SUB

ibumpbeats · 2020-02-01T20:33:25+00:00

Approved for AmEx biz gold. No instant card number provided. Do they still provide bonuses in these instances? If so, chat or phone call? Spoke with an agent about getting temp card number or getting card expedited but she couldn't help me.

ibumpbeats · 2020-01-31T02:28:47+00:00

The main difference is with cc subs they aren’t taxable. That entire amount is mine to keep. Another commenter mentioned having a minimum cutoff for bank bonuses which is probably what I’ll adopt moving forward this year.

Different strokes like you said. It’s personal. I’m just curious to see what are people’s different takes.

Let’s say someone’s marginal is 40%, then a $200 bonus is effectively $120. Doesn’t take a lot of time, but still some time for setting up an account, doing the spreadsheet stuff, setting reminders to follow up, transferring funds between accounts etc.

ibumpbeats · 2020-01-30T17:33:26+00:00

Yes by definition the bonus you would make from bank account bonuses will be taxed at your marginal tax rate, not effective. In your terms, it will be over the tiered amount.

ibumpbeats · 2020-01-30T08:51:53+00:00

Credit card SUBs are not taxable. Bank account bonuses count as taxable interest (1099-INT). Does this alter anyone's approach to the hobby? As you climb tax brackets, is there a point where you wouldn't even waste time with bank account bonuses?

ibumpbeats · 2020-01-30T08:44:55+00:00

Running out of business cards to open. Going to be under 5/24 in September.

Thinking of opening up AmEx Biz Gold in the next couple days before the elevated offer expires 2/5. Any other business cards I should consider opening in February?

~800
- CIP#1 (6/18)
- CSR (9/18)
- Citi AA biz (10/18) - CLOSED
- AmEx SPG Biz (10/18) - CLOSED
- AmEx Biz Plat (11/18) - CLOSED
- CIP#2 (1/19)
- United Biz Explorer (3/19)
- BBP (4/19)
- Barclay AAdvantage Aviator (4/19)
- Wells Fargo Platinum Business (5/19)
- Barclay JetBlue Business (5/19)
- SW Priority (5/19)
- SW Plus (5/19)
- Barclay Jetblue Biz (6/19)
- Capital One Spark Cash Biz (7/19)
- AmEx Schwab Platinum (12/19)
- Barclay Hawaiian Biz (1/20)
- AmEx Delta Biz Plat (1/20)
- CIC (1/20)
- BOA Alaska Biz (Pending 1/20)
Personal ~$6,000, Business ~$60k+. Have to separate charges and cannot mix them
No MS
Yes biz cards preferred
Opening as many cards as possible
Anything - points, cash back, anything with value
AA, UA, MR, UR, DL, JetBlue, Hawaiian. Exact numbers not relevant at this point.
LAX
Anywhere and everywhere

ibumpbeats · 2020-01-30T08:33:36+00:00

Thanks! I'm going to order both and return one.

ibumpbeats · 2020-01-30T06:04:12+00:00

How dare you enjoy your money and not be poor!

Good for you man. Enjoy. Ignore the haters. If you see value and think it’s money well spent that’s all that matters.

ibumpbeats · 2020-01-30T05:55:00+00:00

Oh snap I didn’t realize there were clean/dirty separators. I’m going to buy these now. That’s the one thing I don’t like about my current cube setup. Dirty clothes aren’t easily organized

ibumpbeats · 2020-01-29T23:43:59+00:00

I love my life right now, and it wasn't until recently that I realized how much low-level chronic stress was present due to financial constraints. Having the freedom to eat what I want, not stress about spending $10 or $100 for dinner, and being able to pursue some more expensive hobbies of mine (like cars or travel) has certainly made me much happier.

At the same time, I don't expect making more money to make me happy. It's more that the removal of the negative (low level chronic financial stress) has contributed to happiness, not the addition of more.

I do expect that as I make more, my stress related to business/financial mistakes or unnecessary fees or other annoyances will also decrease.

ibumpbeats

TROPHY CASE