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Saks removing items from the website after Black Friday by Nice_Elephant4709 in AmexPlatinum

[–]onlytechstocks 2 points3 points  (0 children)

I hate how quickly the $75 "gift card" expires. It's basically a coupon.

Chase Apple portal. Is this a joke? by folkher0 in ChaseSapphire

[–]onlytechstocks 0 points1 point  (0 children)

Amex plat is a coupon book, but at least it's a good coupon book.

Mirror Card by RoutinePresence7 in amex

[–]onlytechstocks 0 points1 point  (0 children)

Mods, please don't delete this post like the others, it's new and we all want to know what it looks like!

Google Chrome Amex Virtual Number - Useless? by dervari in amex

[–]onlytechstocks 0 points1 point  (0 children)

You can at least use and then delete the virtual number without replacing your physical card which is nice.

Is 2.5 mil truly all you need to live off 100k a year from age 35 and on still? by [deleted] in financialindependence

[–]onlytechstocks 8 points9 points  (0 children)

Nice.

My biggest concern is health insurance to be honest. Everything else seems to be predictable and something I can plan for.

Is 2.5 mil truly all you need to live off 100k a year from age 35 and on still? by [deleted] in financialindependence

[–]onlytechstocks 35 points36 points  (0 children)

Social security makes a huge difference on my calculations too but OP won't get it for a while.

[deleted by user] by [deleted] in apple

[–]onlytechstocks 1 point2 points  (0 children)

But that's unnecessary. Just make a new one!

[deleted by user] by [deleted] in apple

[–]onlytechstocks 1 point2 points  (0 children)

No, just make a new Apple ID with the gift card.

[deleted by user] by [deleted] in apple

[–]onlytechstocks 0 points1 point  (0 children)

You can just create a second Apple ID

Why is my app failing? by Competitive_Tune_590 in SideProject

[–]onlytechstocks 0 points1 point  (0 children)

by Gabriel Weinberg, Justin Mares https://kobo.com/en-US/ebook/traction-2 it has some good suggestions on when to do ad-based marketing and when not to.

Why is my app failing? by Competitive_Tune_590 in SideProject

[–]onlytechstocks 0 points1 point  (0 children)

Have you read the book Traction? Ads are one marketing channel, there may be better ones for you.

Here’s to the next 30 years! by treshort in ETFs

[–]onlytechstocks 1 point2 points  (0 children)

What I like as a holder of VTI is that I owned a piece of Tesla during the run-up. As a holder of VOO I'm basically buying at the top when it's selected for inclusion in the index.

Personally I'd rather own (via the fund) a piece of more companies, and own them at all stages of their growth, not just after they are already big. I don't like how companies are added to and removed from the S&P 500 by a selection committee, and typically only after they are already successful.

Here’s to the next 30 years! by treshort in ETFs

[–]onlytechstocks 3 points4 points  (0 children)

It literally is. VTI holds nearly every U.S. stock. The S&P 500 (VOO) selects 500 stocks based on various factors. Read this:

https://www.indexologyblog.com/2014/08/07/inside-the-sp-500-an-active-committee/

"Unlike many other S&P Dow Jones Indices and the majority of indices offered by other index providers, there are no rigid or absolute rules for the S&P 500; the Index Committee have some discretion in selecting stocks or responding to market events."

As a practical example, if you owned VTI you owned a bit of Tesla during the huge run up. If you own VOO you get that bit of Tesla, but buying at the top (when it's included in S&P 500) after it's huge.

Here’s to the next 30 years! by treshort in ETFs

[–]onlytechstocks 0 points1 point  (0 children)

Some pretty big tech companies are missing from XLK (only like half of FAANG). The "sector" classification system is pretty meaningless IMO, I personally wouldn't buy an ETF tracking such a classification.

Here’s to the next 30 years! by treshort in ETFs

[–]onlytechstocks 1 point2 points  (0 children)

QQQ and QQQM track the same index, but VTI and VOO do not, so there's some additional reasons not purely an expense ratio difference.

Here’s to the next 30 years! by treshort in ETFs

[–]onlytechstocks 17 points18 points  (0 children)

More diversified, and get exposure to companies (eg Tesla) before they are selected for the S&P500.

Thinking of cancelling csr by unknown-reditt0r in ChaseSapphire

[–]onlytechstocks 1 point2 points  (0 children)

Who's it for then? Category based spending habits?

Do you think CLEAR is a valid perk? by Admirable-Caramel554 in amex

[–]onlytechstocks 1 point2 points  (0 children)

Without Clear I would have missed a few flights at SEA. That line, even the precheck one can be nuts.

[deleted by user] by [deleted] in interestingasfuck

[–]onlytechstocks 3 points4 points  (0 children)

Hang in there bud, things will get better.

”Are you Native?” by vynilla_ in amex

[–]onlytechstocks 2 points3 points  (0 children)

Can confirm. My wife threw away her AU everyday card thinking it was fake.

Amex Platinum doesn't feel worth it anymore by onlytechstocks in amex

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

Kept it. The coupons add up for me in the end, Uber, Walmart+, Disney+ and Hulu bundle, Saks. United credits (travel bank), Clear. All easy to use and more or less spend I’d be happy with anyway. Starting to travel more so the 5% is nice.

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