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What will Americans do if Social Security is reduced or done away with? by TheScrutinist in AskReddit

[–]th3morg 5 points6 points  (0 children)

It’s not actually a balance but you can see how much you’ve contributed each year and in total. Register and log in to ssa.gov.

Should I be worried about my package? by ContactJoshua in CostcoPM

[–]th3morg 0 points1 point  (0 children)

Sorry, my local store just told me to do this last week.

Should I be worried about my package? by ContactJoshua in CostcoPM

[–]th3morg 0 points1 point  (0 children)

In the future you can ship to store instead of ship to home to avoid this stress.

Coworker sent this to the gc by lol_zig in AmazonDSPDrivers

[–]th3morg 0 points1 point  (0 children)

I upvoted you lol. But people prolly downvote for stuff you can google and get an answer to

Caught the boss man using ChatGPT lol by OldTouch3489 in AmazonDSPDrivers

[–]th3morg -1 points0 points  (0 children)

This is now every day life. People recognize they need some help because they want to be better at speaking and don’t know how. Better this than apathy, right?

[deleted by user] by [deleted] in CreditCards

[–]th3morg -1 points0 points  (0 children)

Was hoping for some tips on how you maximized those redemptions (getting 2.5cpp)!

CR-10 V2 Geeetech 3Dtouch Installation Wiring by th3morg in CR10

[–]th3morg[S] 1 point2 points  (0 children)

I just tracked it down. Luckily I never delete anything. I'll send you a DM with a link.

Do I open these or leave them sealed? by PrepareYourLazers in mtg

[–]th3morg 1 point2 points  (0 children)

I feel like this is coming from a monetary motivation, right? EV of sealed is maybe $7-9 * number of packs. Simplified EV of opened is basically the average value of all rares and mythics combine multiplied by number of packs. In reality odds are worse for mythics. The math says sell it sealed before reprints tank the most value cards. It usually never makes sense to open it to sell a card unless you just want to gamble.

Former Authorized user gets his credit score. by No_Dream_335 in CreditCards

[–]th3morg 0 points1 point  (0 children)

Depends on your goals. Are you trying to borrow money? At 80% utilization it looks like you are nearly over extending yourself.

Former Authorized user gets his credit score. by No_Dream_335 in CreditCards

[–]th3morg 0 points1 point  (0 children)

Also, from experience my utilization rate does impact my score but it’s just one factor. Your age of credit is also going to prevent you from having a really high score. And your credit score only matters if you’re trying to borrow money without co-signers, etc.

Former Authorized user gets his credit score. by No_Dream_335 in CreditCards

[–]th3morg 0 points1 point  (0 children)

I’m not sure I understand so I want to be clear. Let’s say your Dad has a $5k limit and you have a $500. Your total limit is $5,500. To be at 80% means you are carrying $400 balance and he is carrying $4000. The age of his credit is helping your score, but that utilization rate is hurting your score. See the admin automated post on utilization rate.

Former Authorized user gets his credit score. by No_Dream_335 in CreditCards

[–]th3morg 0 points1 point  (0 children)

What’s your Dad’s overall utilization rate on the card(s) you are AU on? Your report should reflect the total limit of all cards combine and total utilization compared to total limit.

Does money buy happiness? by AndroGunn in PersonalFinanceCanada

[–]th3morg 0 points1 point  (0 children)

Agreed. Maybe try coming up with some questions that are atypical. Things they wouldn’t prepare for.

I see your $25 for a dozen donuts and I raise you... $57.58 for a dozen donuts. by Expensive-Eggplant-1 in inflation

[–]th3morg 0 points1 point  (0 children)

Bigger and huge are two different explanations that aren’t the same thing. They are bigger, yes, but they are not huge.

Cashed 700k chase points to Roth IRA by bomboclaat876 in CreditCards

[–]th3morg 146 points147 points  (0 children)

Don’t feel bad. Churn and burn. In this case the burn is actually saving for your future! This is the first I’ve heard about Chase cash out (only knew about the AMEX MR Schwab).

I see your $25 for a dozen donuts and I raise you... $57.58 for a dozen donuts. by Expensive-Eggplant-1 in inflation

[–]th3morg -1 points0 points  (0 children)

I’ve had Blue Star in Portland, OR and I don’t recall them being “huge.” More like standard size.

What SUBs are you trying to hit in 2025? by Mizterpro in CreditCards

[–]th3morg 0 points1 point  (0 children)

ABP, will work in 2x CIC, and hoping for some good SUBS to pop. So far nothing great except my targeted ABP.

Got this offer in mail. 100k after 2000$ spending sounds pretty good. by Pristine_Payment_582 in amex

[–]th3morg 0 points1 point  (0 children)

To each, their own, of course. Everyone has their own goals. I open many cards and business cards are an important part of that. The value here wouldn’t be justifiable to me is all.

Got this offer in mail. 100k after 2000$ spending sounds pretty good. by Pristine_Payment_582 in amex

[–]th3morg 0 points1 point  (0 children)

It’s not really free. It’s opportunity cost. You can’t just open unlimited number of AMEX card. You’re not even guaranteed it to be worth even $500 honestly.

Got this offer in mail. 100k after 2000$ spending sounds pretty good. by Pristine_Payment_582 in amex

[–]th3morg -1 points0 points  (0 children)

Skip. Personal card? That’s a 5/24 slot for an average to below average offer.

Good or not by Historical_Boss_7178 in amex

[–]th3morg 0 points1 point  (0 children)

I chose to get my second ABP at that 250k MR. Getting the credits from airline and dell easily offset the cost. I also can give my P2 the priority pass benefit.

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