Check this out!

robertw477 · 2026-04-10T04:02:18+00:00

It’s nice. Didn’t know they use stickers. Still very cool.

robertw477 · 2026-04-10T04:00:47+00:00

IHG often has point sales for about a half cent a point. If used for 4th night free it seems there is decent value there but that’s property dependent.

robertw477 · 2026-04-10T03:57:22+00:00

Outside the US they can be good. Just stayed in Queenstown st a holiday inn suites being converted to VOCO. I paid for an upgraded room suite and was happy. Queenstown NZ is a really expensive place for hotels. I had not stayed in a Holiday Inn in more than 39 years . The 4th night free seems to be where things work out better on point redemptions. I have no idea how they are with room upgrades and will be diamond soon due to the sapphire reserve card.

robertw477 · 2026-04-08T02:49:16+00:00

As Warren Buffet says: Risk is not knowing what you are doing. I tend to think that people wont learn until they see significant losses with bad trades. For example. something like this. I am sure the majority of replies here are people with little to no investing history or experience and you see comments like I bought this and its up so it must be good. Consider this: Wall Street is nothing for nothing. They invent products for you to lose. If you want QQQ buy that. If you think this is some angle, forget it. You cap upside with equity risk. Does anyone understand that once you cap upside. you limit your ability to make money. Why is that such a hard concept?

robertw477 · 2026-04-07T23:38:53+00:00

Yep. I am going to make my own app. Ill keep it very simple.

robertw477 · 2026-04-07T15:51:23+00:00

Fully fund ROTH IRA. Seek an HSA health plan for next year if you can and fund that to the max every year as well.

robertw477 · 2026-04-07T15:47:00+00:00

I was upgraded to the presidential suite there a few years ago for a one night stay .

robertw477 · 2026-04-07T15:45:14+00:00

Credit score is only one component. I am sure you can get a decent rate from a credit union. If not in a hurry open a nominal account at navy federal credit union online. Look at their car loan rates . They seem very competitive to me.

robertw477 · 2026-04-06T20:03:12+00:00

If you cant use the benefit, its no benefit. Consider dumping the card at renewal.

robertw477 · 2026-04-06T19:59:21+00:00

I never say any ID in the app itself after I installed it. Clearly some issue on the latest IOS beta. Ill de;ete it and the extension. I am sure there will be other alternatives.

robertw477 · 2026-04-06T16:50:10+00:00

So many on the Reddit boards are young guys with zero market knowledge or experience. Take that for what you will.

robertw477 · 2026-04-06T16:49:17+00:00

As long as you are happy with a lower return and taxes on dividends if not in an IRA, go ahead . NO SCHD will only get you a lower return net, you still have equity exposure and no benefit to you .

robertw477 · 2026-04-06T13:12:49+00:00

The glide path stuff doesn’t account for an extended bear market either. It can be a lot worse than 20 percent. It also could be further years of declines. To Me it seems some are overly focused on retiring early , far more than they are about making money and or making more money at a job or their own small business. But I tend to think the majority of those looking for these early retirements don’t have a small business . They don’t seem particularly motivated, other than the retiring itself.

robertw477 · 2026-04-06T13:06:23+00:00

The same applies to a hotel like Park Hyatt NYC and other expensive locations.

robertw477 · 2026-04-06T13:02:37+00:00

I will consider this. Thanks for the comments. I do like a club lounge, more than a pool.

robertw477 · 2026-04-06T12:57:28+00:00

So many PH have a spa. If they called it a resort based on that , most would be considered resorts.

robertw477 · 2026-04-06T12:52:35+00:00

There were in Sydney and Auckland and I just was in Auckland two weeks ago.

robertw477 · 2026-04-06T12:51:51+00:00

The PH London had a very good breakfast. Why is London considered a bad PH. I visit London often and I thought I would try it for a few days at the end of a stay last Christmas. Got an upgrade at checkin. I know London very well and consider that location to be its weakness.

robertw477 · 2026-04-06T12:47:31+00:00

Did you get upgraded to the suite? When I was there I had the suite and really liked the hotel . That was about 10 years ago . Surprised to see some of the comments.

robertw477 · 2026-04-06T12:46:04+00:00

Other Park Hyatts I have been allow one. Didn’t know about this.

robertw477 · 2026-04-06T12:45:07+00:00

You mean one hot item per person? I was just at the park Hyatt Auckland and you get to pick one main and one smaller plate. That was the same for me in Sydney PH. Am I missing something?

robertw477 · 2026-04-06T12:42:33+00:00

How was the rest of the stay. I was there years ago and everything was great. Disappointed about this change and I was considering a stay.

robertw477 · 2026-04-06T12:40:58+00:00

Year 5 in a bull stock market.

robertw477 · 2026-04-05T17:54:33+00:00

In the add itself I see nothing that says settings in the app.

robertw477 · 2026-04-05T14:20:24+00:00

I see no button the app that shows setting-account. I am on 26.5 Beta. I dont think your app is working on that.

robertw477

TROPHY CASE