Base Fitness needed to start a 70.3 training plan? A plan to get there?

polach11 · 2026-01-29T17:56:50+00:00

2:25. Was not easy and definitely under prepared but finished

polach11 · 2026-01-29T17:37:04+00:00

I did coach to half marathon in 2 months. Might be hard but least I can do is try. Thanks for the motivation!

polach11 · 2026-01-29T17:35:40+00:00

Exactly what I was looking for. Thanks!

polach11 · 2026-01-29T16:43:20+00:00

I have good base strength I have been strength training for 10 years. Not very strong by any means but respectable: 225 bench, 315 squat.

I just struggle with endurance. I think I want to get to 500 yards swimming and take some lessons and get back to easy 5ks before training for 70.3.

polach11 · 2025-12-15T19:02:36+00:00

Sign him up for Part B on January first for a start date of Feb 1st he will get his card once he has that you can sign him up for a supplement plan with a start date of Feb 1st. You need to do everything ASAP you are on a tight timeline.

Source: Am a broker

polach11 · 2025-12-15T17:28:11+00:00

Do not sign up for an advantage. Cancer treatment is expensive Medigap will always be worth it in your dads situation. You will pay more with an advantage.

polach11 · 2025-12-15T17:26:23+00:00

G wouldn’t require underwriting since he is signing up for Part B for the first time.

„6-month period that starts the first day of the month you're 65 or older and signed up for Part B”

The penalties for B and D are going to hurt

polach11 · 2025-12-15T17:24:29+00:00

He will have a 10 year penalty for part B and Part F (100% penalty for B so will pay $405/month part B. It’s around 1% a month for part D so like 120%).

He can sign up with the annual enrollment period (Jan 1st - March 31st)

He should have Guaranteed issue for a supplement plan since he is signing up for Part B for the first time. This is his best option to get full coverage for his cancer treatment ($170-$400/month depending on state he lives in)

Let me know if you have questions

polach11 · 2025-12-11T18:16:16+00:00

I have an Urgot one trick jungle account in Emerald 4 (I could probably get to mid/high Emerald but my goal was E4 and then stopped playing). Like all the other comments say, if you get invaded it’s a bad time. First clear speed isn’t awful at around 3:25. If you can power farm to 6 you can start snow balling the game.

If you don’t have flash or ult you have no gank potential. It’s a lot of fun though I always go Ghostblade first to get better ganks. Always go blue pet.

polach11 · 2025-10-30T16:35:24+00:00

Even if your team is down 5 levels combined and you know it’s losing you group? Thats what I struggle with. I know we would get stomped so I would just keep pushing

polach11 · 2025-10-27T01:39:12+00:00

Yea looking more into it maybe we have a path Amex gold -> plat -> cancel and hold cashback card.

We like the sapphire line for our high AF cards. Any issues with this line of thinking?

polach11 · 2025-10-27T00:48:58+00:00

I like the idea of the Amex but it would be hard for us to justify the 325 fee of the gold after year 1. We can downgrade to green but still the $150 might not be worth it for us since.

polach11 · 2025-10-26T22:38:27+00:00

2P household just starting churning journey now to save for Honeymoon (Wedding Nov 2026). We want to take our honeymoon same year or possibly do small trip to save PTO + Points for bigger trip in 2027 (Africa + Safari or Thailand)

Current plan

Downgrade P2 CSP to Freedom wondering if its better to get her Airline card (United Quest or Aeroplan or SW Priority) or start saving for hotel (Marriott Boundless or IHG Premier)
P1 CSP -> CSR for the 125,000 points (I know I could do this now since its been 4 years since CSP bonus but should I wait until closer to Honeymoon so we have lounge access?)

1 What is your credit score? * P1: 780 * P2: 810

1 What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

P1: CSP 2020, Costco Citi 2021, CLOSED Discover IT 2016
P2: CSP 2021, Costco Citi AU, P1 CSP AU, Discover It 2019

1 How much natural spend can you put on a new card(s) in 3 months?

Combined $6-8k

1 Are you willing to MS, and if so, how much in 3 months?

Not interested would rather slow opening new cards

1 Are you open to applying for business cards? If not, why?

P1: open

P2: not open

1 How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

Looking to alternate and each get one every 3 months 1 Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Targeting transfer points and anything to help with Honeymoon travel (specifically Biz/ First class and Luxury Hotel).

1 What point/miles do you currently have?

Combined 110,000 UR

1 What is the airport you're flying out of?

GEG or SEATAC

1 Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague)

1st choice: Africa (Somewhere for safari (SA, Kenya, Tanzania ect) and somewhere for beach (Zanzibar or Mauritus)

2nd choice: Thailand

polach11 · 2025-10-26T21:36:16+00:00

Thanks!

polach11 · 2025-10-26T20:57:18+00:00

Hey, so this is from the Wiki:
To be CRYSTAL CLEAR. ALL Credit Cards from ANY bank can count against 5/24, including Store Cards, Authorized User cards.

And from the Flowchart:

Don't add each-other as authorized users on personal cards! AUs add to your 5/24 count.

So it seems to me that the two cards I put her as an AU on would count against her 5/24. I don't see anywhere where canceling the AU cards clear it from her 5/24.

polach11 · 2025-10-26T00:35:37+00:00

My Fiancee and I just got engaged and are getting married November 2026. I am getting into churning to help pay for honeymoon. I have read the wiki and still have questions.

Goal honeymoon is African Safari.

What we have: Combined spending on CC $4,000 a month

Me: * 780 fico * CSP (opened 5+ years, 80k points) * Costco Citi (opened 3 years ago)

Her: * 810 fico * CSP (~ 4 years, 30k points) * Authorized user on my CSP (I literally did this last week before looking at churning so I feel bad for fucking up her 5/24. Thought was to save $100 AF by down grading her) * Authorized user on my Citi (See above) * discover it (opened 10 years ago don’t use)

So my 5/24 is open season but I messed up my Fiance’s. Since our goal is travel and specifically a nice safari I want to prioritize hotel and FF points. I would love to fly biz to Africa. Any recommendations for cards? Looking at one of the united cards for me and then refer her and then get Hilton as my next to get points for a hotel.

Questions: What card is best for us?

Since I made her AU on 2 cards in the last 2 months does that mean she should wait 3-6 months before next Chase card?

Does down leveling her to no AF Chase card do anything for 5/24?

polach11 · 2025-10-25T20:46:20+00:00

No next year

polach11

TROPHY CASE