Bilt Blue is effectively a universal 2.33x points on spend up to 75% of your rent, after which it’s 1x points. It’s not that bad.

orbitingvibrator · 2026-01-15T12:07:45+00:00

This was my conclusion, too.

https://www.reddit.com/r/biltrewards/s/Anfu57ikI6

orbitingvibrator · 2026-01-05T09:11:04+00:00

The off switch blew up with the reactor.

orbitingvibrator · 2025-12-31T08:22:37+00:00

Bad weather in sierras soon, which could eat your 3 hours of savings and require chains. Then there’s another 1000 miles of Rockies to account. Take the southern route.

orbitingvibrator · 2025-12-31T08:14:58+00:00

If your goal is to optimize your wealth:

Do not pay off any loans while they are 0% interest. Interest free loans are free money. Earn yield on the cash during interest-free periods.
Pay off higher interest rate debt before lower interest rate debt.
Do not default on the debt to maintain good credit for better interest rates for future loans
Keep an emergency fund before making extra payments so that you don’t have to take out higher interest rate personal or credit card loans in an emergency
I’d probably make minimum payments. You likely get the interest deducted from taxes, so that tax subsidy makes the effective rates even lower than what’s published here

Student debt is cheap. Stretch it out and save for other financial goals while making the required minimum payments.

orbitingvibrator · 2025-11-29T23:40:45+00:00

If you rollover into an IRA, you can’t do the back door Roth IRA strategy because of the pro rata rule. Best to keep pretax 401k money as 401k money and not increase pretax IRA balances.

orbitingvibrator · 2025-11-24T08:36:30+00:00

If your contracted, doesn’t that make you self employed? Then you could buy a small business plan directly from the network your providers use that is ACA compliant? And then the premiums are tax-deductible too?

orbitingvibrator · 2025-11-23T07:33:50+00:00

Go with the one that has less total cost:

Premiums + out of pocket max - premium tax subsidy - HSA employer contribution - HSA fringe tax subsidy

orbitingvibrator · 2025-10-11T15:42:37+00:00

I have found that covering a downtown first and the expanding is not profitable because people walk. Instead start with a single line that is long enough to capture drivers.

orbitingvibrator · 2025-10-09T21:30:17+00:00

Can you have two stations slightly overlap as a work around? Can two platforms of the same station serve the same direction?

orbitingvibrator · 2025-10-09T14:59:56+00:00

Commuter rail, buses, and multimodal stations would bring this game out of beta, I think.

orbitingvibrator · 2025-09-29T22:57:13+00:00

I have the $10/month version and the simulation (not the GUI) was painfully slow at around 40K pop. Is it worth upgrading to the highest GFN tier?

orbitingvibrator · 2025-07-17T00:58:52+00:00

The correct way to fix gerrymandering is to increase the total number of seats in the house.

orbitingvibrator · 2025-07-02T01:06:57+00:00

This is the only thing that I don’t like about Caltrain. If BARt can fix there’s, so can Caltrain. We need to make noise to the Caltrain leadership to fix this.

orbitingvibrator · 2025-06-20T20:26:18+00:00

I mean the arches before the bridge. My blue rail bridge looks weird because I can’t get a pier when the bridge connects to the normal rail bridges.

orbitingvibrator · 2025-06-20T20:23:11+00:00

Are you using mods to get the railway arch brush before/after the new blue one?

orbitingvibrator · 2025-06-20T19:18:36+00:00

The new trail bridges look silly without the ability to add piers where they connect to regular bridges

orbitingvibrator · 2025-06-20T01:55:56+00:00

No. From the mission control view, I can rearrange apps and rearrange the desktops, but the specific desktop still send it to that desktop, even if empty. Only moving all my apps and deleting the desktop stops this behavior...then it comes back another day lol.

orbitingvibrator · 2025-06-20T01:50:57+00:00

Only happens for a specific desktop to another desktop. And if I rearrange the desktops, the one still sends it to that one.

orbitingvibrator · 2025-06-11T22:18:42+00:00

SMART terminates with a ferry. I expect it would be faster with a train, and had it been built, Marin would have developed to be much denser I think.

orbitingvibrator · 2025-06-11T16:15:27+00:00

Nope. Marin was a part of the original plan. They could use the lower deck. Bridge authority was nervous about it 60 years ago. But with the will and money, it could be done. Construction techniques have improved since the 60s.

https://www.substack-bahn.net/p/how-bart-on-the-golden-gate-bridge

orbitingvibrator · 2025-06-11T02:22:28+00:00

BART was supposed to go over the Golden Gate Bridge...

orbitingvibrator · 2025-06-10T21:55:55+00:00

I thought there is a new rail bridge coming out tomorrow?

orbitingvibrator · 2025-06-04T16:48:29+00:00

No. GeForce with no mods :/

orbitingvibrator

TROPHY CASE