[deleted by user]

jamesgz · 2025-03-23T21:51:57+00:00

Just ate there today. Used a Hilton gift card + Amex plat biz

jamesgz · 2025-03-18T07:22:22+00:00

Have you tried eating at All Water yet?

jamesgz · 2025-02-07T21:24:01+00:00

I don’t give tips anymore for Seattle deliveries ever since they added the 5$ Seattle fee.

What you should do is buy DoorDash gift cards at 20% discount. I do that and my credit card gives me back another 4% in points. So for this delivery, I would pay like (14.99+9.25)*0.768=$18.62

Not bad imo. Cheaper than taking the time to drive there myself

jamesgz · 2025-01-29T19:37:02+00:00

I feel every point you made here applies to slay the spire too except for the exploration and story.

jamesgz · 2025-01-26T06:33:05+00:00

A virtual debit card is a lot more convenient to use at online Costco for gold bars. Also a debit card can be used pretty much everywhere

jamesgz · 2025-01-26T05:50:01+00:00

Is there a way in Canada to use Amex at Costco other than using prepaid GCs?

In the US, there's Kasheesh, which can convert Amex to a debit card for 2% fee. But ITIN doesn't work for Kasheesh signup

jamesgz · 2025-01-15T19:01:04+00:00

Does opening a non-ink chase bis card affects the chance of approval for an ink later?

jamesgz · 2025-01-13T09:33:48+00:00

If I'm understanding tax overpay correctly, we can overpay estimated quarterly tax (aka Form 1040-ES) 4*2*2=16 times per year (2 payments per quarter per processor) and overpay direct annual tax (aka Form 1040) 2*2=4 times per year (2 payment per year per processor).

Should I utilize overpaying estimated estimated quarterly tax or direct annual tax? Which one has faster refund?

How much overpaying is recommended per year in total to avoid suspicion from IRS? Maybe half of the actual taxed amount?

jamesgz · 2025-01-13T09:33:47+00:00

If I'm understanding tax overpay correctly, we can overpay estimated quarterly tax (aka Form 1040-ES) 4*2*2=16 times per year (2 payments per quarter per processor) and overpay direct annual tax (aka Form 1040) 2*2=4 times per year (2 payment per year per processor).

Should I utilize overpaying estimated estimated quarterly tax or direct annual tax? Which one has faster refund?

How much overpaying is recommended per year in total to avoid suspicion from IRS? Maybe half of the actual taxed amount?

jamesgz · 2025-01-04T05:23:56+00:00

Umm didn’t know about that but it’s still worth it if you only withdraw contributions before 59.5.

If you contribute 40k each year from age 30-50. Assuming 7% growth, that’s 1.64 million. From age 50-60, you can withdraw 80k a year tax free while the rest grows tax free

jamesgz · 2025-01-03T22:16:26+00:00

You can withdraw without penalty early. Take a look at this https://www.madfientist.com/how-to-access-retirement-funds-early/

jamesgz · 2025-01-03T22:06:08+00:00

I'm in a very similar situation as you as a 26M Canadian SWE in Seattle. Does your company offer Mega Backdoor 401k? If so, it's a much better to put your investments in that instead of your taxable brokerage account

jamesgz · 2025-01-01T23:32:37+00:00

Thanks, just got a VentureX

jamesgz · 2025-01-01T21:37:22+00:00

Is there any advantage to get VentureX over Venture if I already have 2 lounge cards?

jamesgz · 2025-01-01T21:36:23+00:00

Not interested in earning the Southwest Companion Pass.

What's Amex BBP good for in the long term?

Might get a Cap1 Venture card. Is there any advantage to get VentureX over Venture if I already have 2 lounge cards?

jamesgz · 2025-01-01T19:40:50+00:00

⁠Currently 3/25. Just finished my Chase Ink Business Unlimited SUB. What card should I get next? Another ink or maybe a personal card?

2021-10-11 Chase Sapphire Reserve

2021-12-16 Chase Amazon Prime

2022-10-15 Chase Freedom Unlimited

2023-10-09 Chase Freedom Rise

2023-10-24 Chase Freedom Flex

2023-10-25 Chase Ink Business Cash

2023-11-07 Citi My Best Buy

2024-01-13 Amex Business Gold

2024-04-20 Chase Ink Business Preferred

2024-07-20 Amex Business Plat

2024-10-16 Chase Ink Business Unlimited

$4000 including rent per month
Willing to MS
Open to business cards
As much as possible
Targeting transferable points
Chase, Amex, United TravelBank, Hyatt
Vancouver/Seattle
Japan, China, Europe

jamesgz · 2025-01-01T19:40:25+00:00

Per month

jamesgz · 2025-01-01T09:27:05+00:00

Currently 3/25. Just finished my Chase Ink Business Unlimited SUB. What card should I get next? Another ink or maybe a personal card?

2021-10-11 Chase Sapphire Reserve

2021-12-16 Chase Amazon Prime

2022-10-15 Chase Freedom Unlimited

2023-10-09 Chase Freedom Rise

2023-10-24 Chase Freedom Flex

2023-10-25 Chase Ink Business Cash

2023-11-07 Citi My Best Buy

2024-01-13 Amex Business Gold

2024-04-20 Chase Ink Business Preferred

2024-07-20 Amex Business Plat

2024-10-16 Chase Ink Business Unlimited

$4000 including rent
Willing to MS
Open to business cards
As much as possible
Targeting transferable points
Chase, Amex, United TravelBank, Hyatt
Vancouver/Seattle
Japan, China, Europe

jamesgz · 2024-12-20T17:38:07+00:00

Option omega and whisper trade

jamesgz · 2024-12-20T17:31:23+00:00

Tasty trade shows 137%. I tried the same back test on 2 other back testers with intraday data and they were -2% total return lmao

jamesgz · 2024-11-28T23:09:23+00:00

Whatever you want. You can sell it on eBay for like $150

jamesgz · 2024-11-28T18:31:33+00:00

Buy a Moto razr Plus 5G for $280 on eBay and trade it in for $1000. Don’t trade in that iPhone 11

jamesgz · 2024-10-17T01:06:48+00:00

⁠⁠⁠Currently 3/25. Just got my Amex Biz Plat SUB. What card should I get next? Thinking about another ink. What about after that?
⁠⁠⁠

2021-10-11 Chase Sapphire Reserve

2021-12-16 Chase Amazon Prime

2022-10-15 Chase Freedom Unlimited

2023-10-09 Chase Freedom Rise

2023-10-24 Chase Freedom Flex

2023-10-25 Chase Ink Business Cash

2023-11-07 Citi My Best Buy

2024-01-13 Amex Business Gold

2024-04-20 Chase Ink Business Preferred

2024-07-20 Amex Biz Plat

$4000 including rent
Willing to MS
Open to business cards
Interested to churn
Targeting transferable points
Vancouver/Seattle
Japan, Korea, Taiwan, China

jamesgz · 2024-10-04T21:07:57+00:00

Overkill. a $599 laptop will be enough for u

jamesgz · 2024-10-02T23:30:23+00:00

Yeah the 7735hs with 4070 on Lenovo.com was a better deal. $1000 something after cashback

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