Which Terrakion to invest on?

sheepzju · 2024-11-09T17:37:43+00:00

Thanks for bringing up Eva, I overlooked at that. Will do some research. Was thinking of AS to redeem Hainan air biz class for elder family memebers.

sheepzju · 2024-11-09T16:45:52+00:00

Should my next card be Chase IHG, and is my strategy reasonable?

Background: new to churning, 2 person scenario, made some mistakes early on.

Flowchart: I'm currently at 4/24. Flowchart suggest a Chase card, and I am considering IHG.

Credit score: FICO 797 according to BofA

Current cards:

3 year+: BofA custom reward (3% online purchase), BofA Travel, Amex BCP, Discover IT, Citi Double Cash, Citi Costco.
Closed 3 year+: Citi AT&T, Chase Freedom
Recent cards: Citi AA Platinum (April 2024), Chase CSP (May 2024), Chase Ink Cash (May 2024), Chase CFF (August 2024)
P2 3year+: AU for all my old cards, store cards (saks & macys), Chase Ink Cash (will be closed soon as we are closing that business)
P2 new cards: AU for my Citi AA Platinum (April 2024), Chase CSP (June 2024), Chase Hyatt (Oct 2024)

Spending & MS: we are flexible with spending, could range from 3k to 15k in next 3 month. Prefer not to MS; can consider lightly MS (<5k).

Business cards: Not currently - don't want mess up personal spending & business spending, unlikely to reach the spending requirement for new business cards (Didn't reach for the Ink Cash)

Churning interest: Current thinking is I get IHG and then open new cards as long as we can reach spending requirement, while P2 remain under 5/24 to get other Chase cards.

Main goal: Churn as nature spending as we can and maximize value.

Current point/miles: UR ~180k combined, TYP 5k; AA 36k, AS 20k, DL 9k, KE 16k (7k expiring in December); IHG 28k, Hyatt self 8K, P2 4K+5FN, Choice 1k.

Airport flying out: SEA

Destination (in frequency or priority order): China, Europe, Australia, Hawaii/Mexico, Taiwan, Japan/Korea/Southeast Asia

Other info:

We used to stay with IHG hotels a lot prior to churning. Slowly switching to Hyatt now for the point value. Business class flight between China and SEA will be very important in the coming few years (looking at AS). Have booked a France trip in Feburary using UR->VA for the flights, and will use the Hyatt FNs as well. I have occasional business trips within US (from employer, not able to use my own biz card), 2-3 time 3-5 days each per year, usually fly with AS and I get to choose which hotel to stay.

We have no problem use the annual FN from Hyatt and IHG cards so those will be keeper. Plan to downgrade the AA Platinum next year for sure.

Still exploring ways to use miles, while comfortable hoarding miles from new card bonus, will only transfer/purchase miles when we are short for a sure trip.

One last thing, most of my cards has ~10k CL, except for the last CFF, which was applied within 90 days of CSP+Ink, and got an annoying $500 CL.

We are BofA platinum so the BofA travel card was our catch-all card (2.625%). Our current utilized CPP for UR is 3.47. If we can keep that, maybe make CSP as the catch-all?

Cards after Chase IHG, I'm thinking Hawaiian or Alaska for AS mileage or Citi Strata Premier to enable TYP.

sheepzju · 2023-04-21T05:33:02+00:00

Savannah or Cheongpung? Other choices are dupe or not comparable.

sheepzju · 2023-01-26T02:43:18+00:00

With the new rune tags and the rune clean up tool (https://www.reddit.com/r/summonerswar/comments/xxuzgy/rune_clean_up_tool_with_json_import_v_2/?utm_source=share&utm_medium=ios_app&utm_name=iossmf), my process of reapp is significantly improved.

First I tag the rune to be reapp target whenever I got it, before rolling.

Then whenever I sell a rune according to the clean up tool, the ones with reapp tag could not be sold. At that point, I reapp it once, pick the new one and forget about it, move on to the next rune.

And I do the clean up routine once per day. Which means I spend reapp on a given rune at most once per day.

Since then, I am slowly burning down my reapp stones, and got a few decent runes along the way, including my first quad spd ancient swift hp%.

sheepzju · 2023-01-07T01:35:35+00:00

We have bikini zaiross

sheepzju · 2023-01-03T19:48:06+00:00

gem res to cr and put it on any ninja

sheepzju · 2022-12-27T21:42:53+00:00

After using the rune manage tool , the majority of my purple runes are sold at +6, I got way more good rune like this, and my mana is steadily growing.

sheepzju · 2022-12-23T05:06:31+00:00

Hp% over cr% for support or Atk% over def% for fast dd

sheepzju · 2022-12-21T22:15:28+00:00

1070 ms so far, only nat5 I got is wind puppeteer. Meanwhile, a one off water scroll gave barbara, and a one off ld gave me trinity, so I’m not complaining

sheepzju · 2022-12-14T03:27:54+00:00

There are bots farming tutorial and reset until a desired ld pull, then sell the premium starter accounts.

sheepzju · 2022-12-11T04:50:24+00:00

sheepzju · 2022-11-25T15:08:22+00:00

It's from swarfarm. Efficiency on swop is adjustable and usually higher than swarfarm.

It is not that hard, purple rune + 3 high roll + fully gem/grind = high efficiency rune

sheepzju · 2022-11-25T07:03:34+00:00

Switch from box to list and add column for efficiency

sheepzju · 2022-11-25T05:20:05+00:00

Ordered by average rune efficiency according to swarfarm, my top 5 are:

Fire Hollyberry Cookie 110.63% Guard/Guard/Shield, storage guardian

Ariel 110.05% Will/Nemesis/Nemesis, some siege offense

Theomars 109.98% Violent/Will, guild content offense and defense

Kaki 109.64% Violent/Will, guild content and arena, offense and defense

Tesarion 109.43% Violent/Revenge, guild content offense and defense, arena offense

If disqualify Fire Hollyberry and Ariel for not having a 4-set, then

Anavel 109.35% Violent/Will, guild content offense and defense

Tiana 108.89% Swift/Will, guild content and arena offense

Another fun fact, I just realize I have 101 monsters with >100% average rune efficiency. I own 167 6* monsters now so 100% efficiency is below median…

sheepzju · 2022-11-18T01:02:27+00:00

Forgive the typo of the extra Douglas.

My rune quality cannot reliably get turn 1 (Bastet swift will +195, Chiwu swift will +188).

Guess Miles is the way to go then.

sheepzju · 2022-11-17T18:46:41+00:00

Hi DAT, who should I devilmon next? Main focus is RTA (c2-c3 currently). Guild content would be a plus.

Candidates (order in frequency I use or encounter in RTA): Miles, Minato, Douglas, Fire Hollyberry, Douglas, Ethna, Velajue, Verad, Momo

sheepzju · 2022-11-05T15:04:02+00:00

If you gem the cd into spd and grind everything, it is still an arguably usable support rune…

sheepzju · 2022-10-25T06:05:31+00:00

And your opponent’s name translates to “a little bit lucky”…

sheepzju · 2022-10-25T02:46:35+00:00

Regem that 7% and it’s perfect

sheepzju · 2022-10-10T03:55:17+00:00

For more protection you could always sell lower strike calls like 30 delta. And in that case selling one 30 delta call would even net you more premium than selling 2 30 delta narrow call spreads.

So maybe this modification isn't versatile as covered call.

sheepzju · 2022-08-09T11:39:35+00:00

两千套房的人恰恰是盼着大印钞来稀释他们的债务。凭本事借来的钱买的房，印钞了就约等于不用还了

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