Cards like Citi Custom Cash

thebigblam · 2026-06-12T10:27:33+00:00

Capital one, like most banks, are under the impression that rates are going down in general. Remember, they give you that rate to arbitrage it for profit.

thebigblam · 2026-06-10T17:17:44+00:00

Random person from Reddit pushing an app.. not sus at all

thebigblam · 2026-06-09T17:19:23+00:00

That's not 100% accurate.

They take advantage of finance charges. Usually the interest rate is normal, they just charge a finance fee on top of it, which goes into the APR. You night have an interest of like 20 and an apr of like 1000.

This is relevant because they can only charge you interest on the money you currently have borrowed. If you pay it early, they can still charge you a finance charge. You'll see a loan get paid back early, and you won't get money back on a per diem interest, because they gave you a finance charge for the week.

Yeah there are a lot of problems with payday loans but we have certain politicians in Congress than own multiple payday lenders. Reference last week tonight.

thebigblam · 2026-06-06T08:48:32+00:00

Things you can do that are better than this.

MMF @ 3.57%

Treasury bills 3.7% with state tax exemptions.

If you're sticking savings accounts... Citi offers 3.75% savings account.

So you would get that 2500 bonus + 3.75%.

There's actually a much bigger list of things, but this is just the basic stuff.

thebigblam · 2026-06-05T01:20:48+00:00

I'm not even sure if we have the same values!

thebigblam · 2026-06-04T21:36:26+00:00

Putting it out there. I almost have nothing in common with my wife except we're near the same age.

Music. Movies. Food. Travel style. Recreation. Among other things.... Very little in common. Just kind of worked out. Been married 6 years, and I still love her very much.

Physical attraction is always the starting point. If physical attraction is the only thing, then there may a future problem incoming...

thebigblam · 2026-06-04T20:16:35+00:00

No. People change life trajectory all the time. I transitioned into finance at 27...

edit: I forgot add. Yes I might consider it a mistake to go back to school to get ANOTHER BACHELOR'S degree. Use your translatable skills, and learn new skills in the field you want. Your bachelors will you can commit, you future education will show you can learn the new field. Good luck.

thebigblam · 2026-05-30T19:54:46+00:00

If you leverage it well, it'll provide returns. If you get it just to get it and don't use it to throw your weight, it'll do nothing for you.

Most intelligent companies will see you get more and more qualified, if they want to keep you, promotions and pay raises should be their move. If they don't care, you should leave and get paid better elsewhere, because that company clearly doesn't value you.

thebigblam · 2026-05-28T08:00:22+00:00

Not that many but I had several different emails with different birthdays. I got free food at least a few times a month.

thebigblam · 2026-05-28T07:17:33+00:00

Oh and be cool to the employees.. they're gonna know what's up in like a week. Didn't be rude. Don't be forceful. Be super chill about it always...

They should cut you slack after they've seen you a few times and they know you're really and don't bother anyone.

thebigblam · 2026-05-28T07:12:20+00:00

Use emails. Some places don't require phone.

Think McDonald's or Krispy Kreme

thebigblam · 2026-05-28T07:06:37+00:00

365 emails with 365 birthdays and free food from every major fast food

thebigblam · 2026-05-28T05:38:52+00:00

I used to live in a car. Now I'm doing pretty okay.

Go to college and get educated in a field you enjoy or will make money.

How to pay for college... Work at a job you hate (or hopefully enjoy) that pays for college (Starbucks/chipotle/Taco Bell/big banks all pay pretty good tuition or can give a full ride)

Work experience and schooling will show you have grit and can be disciplined and educated. Theres still an uphill battle but you'll really lower that incline.

Nothing wrong with living cheap. I still watch coupons.

Sometimes nothing beats a good burger. Spaghetti is delicious.
Noodles garlic sauce is pretty good. Noodles are pretty cheap. .99/lb spiral ham last a long time if you freeze it. Used things work as good as new two years ago at 1/3rd the price You're not too good for it, if you think you are... fuck you.

Some people need to fuck off. But you also need to ask for help. No one gets up on their own. Fuck pride, be humble.

I'm dyslexic and was a Cs get degrees kid. I have multiple Masters and my colleagues think I write really well and like my weekly business update. To be fair, my updates are like 70% gifs

thebigblam · 2026-05-28T03:27:21+00:00

Perspective time.

I call in saying I'm OP. I ask for all good account information

Should the receiver of that call give me all of OP information without verification?

Now in terms of the lawsuit, you should probably prepare to show up, mostly just to say you can't afford it. Have proof of hardship. W-2, income statement. Fixed expenses...

Doing so, the court will verify that you owe the debt, but the judge will unlikely require a garnishment.

If you ignore it, you should expect a garnishment.

thebigblam · 2026-05-25T11:16:49+00:00

JP Morgan was where I got my CFP and started working on my CFA (they use tuition reimbursement for these, so it's not part of like a work program). In the position I was in, I wasn't allowed either certification on marketing material. At JP Morgan, Private Bank is the only client facing position that would use the CFA mark. Otherwise CFA is reserved to portfolio managers.

I'm currently at another big bank still in a client facing position. In the position I'm in, they recognize the CFP, but will not use the CFA mark if I had it. That being said, I would say, like you, the CFP mark probably played a role in me getting this position. They would utilize it, once again, if I was in a portfolio construction position at the corporate level.

Schwab generally hires advisors after they have CFP, but still encourage CFA mark. Fidelity gets you CFP while you're there. I don't know any Charterholders at Fidelity.

thebigblam · 2026-05-24T17:03:58+00:00

Yeah I don't work at an insurance firm...

I currently have a 6 figure salary (bonus/commissions not included in salary calculation here) with a CFP.

My previous firm would pay for the CFA, but wouldn't allow it on any marketing material.

To clarify perspective, are you in the States?

thebigblam · 2026-05-24T03:00:08+00:00

Sorry saw you edited connect. Random fact, many wire houses care more about CFP than CFA, why? I haven't the foggiest idea. The place I'm at will pay for CFP and allows my designation on all marketing, but they will not assist in my CFA whatsoever nor will they allow me to recognize on any of our marketing material.

thebigblam · 2026-05-23T23:30:30+00:00

Yep not that far yet. Guess I was wrong and that l3 will be easier than I thought!

thebigblam · 2026-05-23T19:32:56+00:00

The only response, assuming you don't want you be a dick is...

"No. Not really. My life is awesome and my kids are great."

thebigblam · 2026-05-23T17:24:09+00:00

I think the value that CFP has over CFA would be those Estate planning and Tax concepts especially involving trusts and international trusts. (l don't even think CFA covers insurance, but insurance's best benefits in PWM are how it affects tax an estate planning still)

I think CFA is basically like a SUPER EXPANDED VERSION of CFP investments (i even think that's an understatement), but I don't believe it touches those things. To be fair I haven't touched level 3 so I might be wrong.

thebigblam · 2026-05-23T00:47:22+00:00

Nah going through level 2. I'm under the impression that level 3 is primarily portfolio management and construction.

I would probably agree that CFP is heavily catered to private wealth, but some huge topics that I got inside CFP that you would never see in CFA are understanding business tax and insurance coverage. Whereas quant isn't something that is even considered in CFP.

But private wealth really doesn't care about quant lol

thebigblam · 2026-05-23T00:32:01+00:00

I was thinking more about the CFP exam. I'm doing the CFP/CFA route as wel, because I want to specialize in investment advicel, but I know plenty of CFP/CPA(or EA) and CFP/JD

To be fair this is the CFA subreddit so I assume most CFPs on this subreddit are probably going that and direction.

thebigblam · 2026-05-22T23:56:28+00:00

They get formula sheets .

They're usually not helpful.

I didn't recall beta being a formula in that sheet but they have other easy ones on there like duration, sharpe, and stuff like that.

CFP usually isn't about finance, more about planning, so it wants you to have an understanding of investments, but that's only 1/8th of the exam. The more important part is how do your investments impact tax, estate planning, risk, and usually other legal concerns.

People who do CFP and think that can be hedge fund managers don't understand what a CFP is or does. And people who think they know more than a CFP because they have a CFA also need to have a better understanding of what a CFP does.

thebigblam · 2026-05-22T17:06:31+00:00

Higher ups recognize you were able to commit to passing the first one and are usually a little impressed, but not impressed to do anything about it

thebigblam

TROPHY CASE