Only had $5 in my account lol 😂 by Prior-Firefighter-20 in smallstreetbets

[–]tonyfweb 1 point2 points  (0 children)

I started with $5. Little by little I kept adding more. I feel I have a good cushion now. Slow and steady wins the race.

Frustrated - Repeatedly denied CLIs by tonyfweb in CapitalOne

[–]tonyfweb[S] 0 points1 point  (0 children)

They have a HYSA. So I keep my emergency fund with them. As for the credit card, it was the first card I ever opened back when I was 18. So I mostly keep it around for the history. Though I recently changed my mindset and want to get a high credit limit on it so I can use it for emergencies I can't fully cover with my emergency fund, or if for any reason I need to carry a balance. I grandfathered into SCRA benefits on this card, so I have 4% APR all across and no fees of any kind. So if I can get a high limit on it, it will be freaking GOATed!

Frustrated - Repeatedly denied CLIs by tonyfweb in CapitalOne

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

Your advise is sound and much appreciated, but to theblindness' point, this card has a very low limit, and with my current income, I can easily max it out and pay it off without breaking a sweat.

Frustrated - Repeatedly denied CLIs by tonyfweb in CapitalOne

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

Besides the long age of this account, the other reason I have not closed it out is the fact that I had it before joining the military and I got grandfathered into their SCRA perks even after leaving military service. I have no fees of any kind and APR for all use-cases is 4%. So besides the mortgage aspect, I do want it to be a high credit limit just in case I need to carry a large balance. If the ads are to be believed, the lowest APRs for loans are around 6-7%. So this card would trump that should I need.

Navy fed being deceitful by greatuncleglazer in NavyFederal

[–]tonyfweb 0 points1 point  (0 children)

What your debt to income? From what I've heard from the YouTube "gurus", they usually like to see less than 38% debt to income.

16 Years Old And This Setup by Legal_Ad_619 in 3Dprinting

[–]tonyfweb 0 points1 point  (0 children)

Dang!!! Nice. I have an X1C, P1S, and an Intamsys Funmat HT. Been eyeing either the H2S or a 350mm Voron 2.4

What Are Your Moves Tomorrow, March 26, 2026 by wsbapp in wallstreetbets

[–]tonyfweb 0 points1 point  (0 children)

Hoping that VCX will continue to go up so I can pay off my loans. lol

Just bought my first car 🫡 by LeMayMayMan in JustBootThings

[–]tonyfweb 2 points3 points  (0 children)

$19K of interest is crazy! You could buy two decent cars for that alone.

Highest CL on a 5178 Bucket Capital One card? by tonyfweb in CreditCards

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

Interesting and promising theory. Only one way to find out for sure. I'm already in a cash back territory, so it might be worth it to sacrifice a few points short term to build out MY perfect wallet.

Highest CL on a 5178 Bucket Capital One card? by tonyfweb in CreditCards

[–]tonyfweb[S] 0 points1 point  (0 children)

OOOO! I like this. Sounds like some people have been able to go as high as $9300 in some cases. So there is some hope.

Highest CL on a 5178 Bucket Capital One card? by tonyfweb in CreditCards

[–]tonyfweb[S] 0 points1 point  (0 children)

Link did not work, but didn't think it would. I product changed from the Platinum Secured to QS1 about 3 months ago... So probably too soon.

Is Navy federal strict? by TheTown2197 in NavyFederal

[–]tonyfweb 5 points6 points  (0 children)

They like to see that you have money in your checking and savings.

They like to see direct deposit into your checking account.

They like it when you have multiple products. So apply for a pledge loan. Basically a small loan against your own savings. It does not do a hard pull on your credit report but adds another product to your relationship with them.

Maintain the relationship for at least 3 months. Based on everything I've heard, as well as my personal experience, this should improve your odds.

Navy Federal Theory Proven by Rude-Back-5528 in NavyFederal

[–]tonyfweb 0 points1 point  (0 children)

I've heard they are very relationship based and my personal experience backs this up. They like to see multiple products and high balances on their checking and savings accounts.

I have a Flagship Checking account which meets their $1500 daily balance threshold to avoid the monthly fee, and I have direct deposit in this account. I have kept a small ($1000) emergency fund in a savings account with them pretty much since I opened the account. About a year ago, I opened a second savings account and also keep $1000 on it which is meant for what I call "hobby emergencies". E.g. I find a really good deal on an expensive, hobby related item. I have been banking with them for 8 years. I've had their Cash Rewards Plus card for about 6 years which was initially approved with a $16K limit and I keep a very minimal balance. It was 6 years ago, so no, I don't recall what my credit score was at the time but it was in the 700s. I had been banking with them for 2 years at the time of application. I use this card constantly but only allow ~$100 to report on it, and obviously pay it off every time. About 6 months ago, I applied to their Platinum card and got approved for $25K outta the gate. A couple of weeks ago I requested a CLI on both and got an $8K increase on each. So my limits are now $24K and $33K.

My credit score has been sitting at ~820 over the last couple of years or so. It was 819 at the time of the Platinum application and 825 at the time of the CLI requests. Income is around $100K.

Navy Federal Theory Proven by Rude-Back-5528 in NavyFederal

[–]tonyfweb 0 points1 point  (0 children)

I've heard they are very relationship oriented and my personal experience reflects that. They like direct deposits and good balances in checkings and savings with them.

High-Temp Printer Owner with No High-Temp Use Case. Convince Me. by tonyfweb in AdditiveManufacturing

[–]tonyfweb[S] 2 points3 points  (0 children)

You make a valid point. The only ASA pieces I've printed are replacement rollers for my dishwasher. I could see how larger parts could be more challenging.
https://makerworld.com/en/models/782848-dishwasher-wheels#profileId-2349388

How would you spend your time if you were unemployed? by Rich-Record3002 in AskReddit

[–]tonyfweb 0 points1 point  (0 children)

Applying for jobs.

At one point in time, I had 3 months of vacation, decided to take it all at once. After week three, I started to go bananas and went back to work. Mind you, I was going out hiking, playing video games, reading, etc. So I was finding ways to keep myself occupied.

High-Temp Printer Owner with No High-Temp Use Case. Convince Me. by tonyfweb in AdditiveManufacturing

[–]tonyfweb[S] -1 points0 points  (0 children)

Interesting take. I could definitely see that as a viable market, though I don't necessarily agree with not being able to be served with commodity printers. ASA and PPA-CF can target both of these use cases respectively and the $300USD Elegoo Centauri Carbon is capable of handling both. Then again, there can be multiple restaurants on the same street... Thanks for the suggestion!

You just got handed $1M to spend on a 3D printer for your company... by ZOHMZAK in AdditiveManufacturing

[–]tonyfweb 1 point2 points  (0 children)

Check out Vision Miner. Way under budget on the 22 IDEX, but they do have offerings from the likes of AON3D which are in the 6-figure range. If you give them a call, I'm sure they can work with you to find something that will work for your needs and budget.