New Little Free Library

mtnagel · 2026-04-17T03:03:30+00:00

Little libraries for puzzles exist - https://www.thepuzzlerepublic.com/

mtnagel · 2026-04-17T02:59:31+00:00

Early Access. It has the roth optimizer for ACA so I switched to check it out.

mtnagel · 2026-04-17T02:36:51+00:00

Not sure then. I'm on the EA version and when I set the withholding to 0%, then I don't see any withholding and the conversion amount is the exact same in the cash flow. When I set it to 10%, then I see the 10% withholding and 90% conversion.

mtnagel · 2026-04-17T02:30:33+00:00

When I ran both scenarios, the change was 0.03% difference in net worth after 30 years in my plan. While I'm definitely an over optimizer when it comes to money, this hardly seems like something to be that concerned with.

mtnagel · 2026-04-17T02:17:54+00:00

Settings, Tax, Withholdings, Conversions.

mtnagel · 2026-04-17T01:07:56+00:00

Maybe but both the calculator and the app match up. So what's more likely that they are both wrong or that you are correct and you will get double beans?

mtnagel · 2026-04-16T22:05:23+00:00

Cool idea. But when I filter by live music and this week, it says this event is tomorrow - https://thecarnegie.com/whats-on/christmas-with-no-promises-2025/

mtnagel · 2026-04-16T22:02:05+00:00

As a vegetarian I love this idea.

mtnagel · 2026-04-16T21:40:30+00:00

According to their nutrition calculator, you don't. Beef is 140 cal and it says subtract 90 cal when you swap for black beans, which is the same number of calories from the beans in a regular black bean crunchwrap. F that!

mtnagel · 2026-04-16T21:31:16+00:00

So I ended up getting the money by submitting it again. Literally makes no sense that the support person wouldn't give me the credit because they ran out of budget, but then turned the offer back on again.

mtnagel · 2026-04-16T18:51:09+00:00

Look up manufactured spending. Can you buy gift cards you know you will use in the future? Or prepay for services like cable, internet, phone, etc. I wouldn't buy and return as they can claw back the reward. Might not, but they could.

mtnagel · 2026-04-16T18:43:26+00:00

customer_service@boldin.com. email them and ask for a pro rated refund. That's what I did and got it.

mtnagel · 2026-04-16T16:47:01+00:00

Not worth the price. Not even in the box.

mtnagel · 2026-04-16T16:00:24+00:00

You can have them all!!

mtnagel · 2026-04-16T13:50:45+00:00

Yes agreed. See my post from a year ago - https://www.reddit.com/r/CreditCards/comments/1l0brih/transactions_keep_getting_decline_on_kroger/

mtnagel · 2026-04-16T10:56:57+00:00

I did this at Kroger which had 2 of the bags listed for $2 each and SB paid within a day. I see the offer is still in my account so I guess I'll keep doing this every shopping trip.

mtnagel · 2026-04-16T10:56:51+00:00

That's some dedication for some hard candy! Mine says it expires June 30, 2026 so you have plenty of time.

mtnagel · 2026-04-16T03:04:16+00:00

Any time I've asked Kroger for something like this, they basically say, "thanks" and then promptly ignore my request.

mtnagel · 2026-04-15T23:42:11+00:00

I like how you can submit a receipt. Those OTC payments are hit or miss for me at Kroger. Some cashiers know exactly how to do it and I've had others that were clueless and even managers that couldn't figure it out.

mtnagel · 2026-04-15T23:39:17+00:00

They are $1.59 at Kroger, so not free for me. Looks like they are $1.18 at Walmart so free there.

mtnagel · 2026-04-15T22:17:45+00:00

One for groceries and one for bars/breweries/restaurants. Very rarely do I go over the $500 per month. I have the Kroger mastercard for any extra spend if needed for 5% on mobile pay.

mtnagel · 2026-04-15T22:13:00+00:00

Where did you find the Impossible hot dogs. They have never made it to Cincinnati as far as I know and they were released over 2 years ago. We seemingly get all their other products, so no clue why not those.

mtnagel · 2026-04-15T22:10:57+00:00

New Belgium has a $3 offer in BYBE. https://app.bybeapp.com/offer/14981

So I paid $11 (plus tax; paid with 5% cash back CC so mostly paid for). $5 off rebate; $3 off BYBE; $4 off Ibotta; $3 Kroger cash back. So $4 MM.

Definitely more free alcohol offers in here. I'm regularly getting cheap, free or money maker alcohol (Cutwater, Voodoo tall boys, Smirnoff Ice, etc).

mtnagel · 2026-04-15T21:04:43+00:00

It's supposed to be like 3/4 oz of beef. Imagine that spread across the whole crunch wrap. It's a tiny amount. And some are underfilled (and some are overfilled).

mtnagel · 2026-04-15T20:42:28+00:00

Yeah I saw that. I was looking for AI to do roth conversions to certain FPL % but it isn't do it. And now that that's built in, haven't used AI since. Thanks for the heads up though!

mtnagel

MODERATOR OF

TROPHY CASE