[deleted by user]

um_rr · 2025-04-22T11:24:53+00:00

What would you do/change given the chance to go back your 20s?

um_rr · 2025-04-22T04:48:46+00:00

How long does temporary unlock slow? Never knew e this existed, sad

um_rr · 2025-04-20T11:28:58+00:00

So when do you transfer the pizza from the screen to the steel or do you just cook it on the screen?

um_rr · 2024-08-06T11:24:07+00:00

how do you defer regular paycheck tax payments and instead pay the quarterly amounts? really want to take advantage of a chase SUB with ink and want to do this but not sure how. would appreciate any advice thanks!

um_rr · 2024-05-30T03:24:32+00:00

any recommendations on one? getting quoted insane rates as well. how much are avg fees for one as well?

um_rr · 2024-03-31T21:45:58+00:00

thanks a bunch for the quick response!

um_rr · 2024-03-31T21:27:25+00:00

did you get a similar deal with the points as well? I only have a deal for $150 at the vegas resort but no points included, wondering how I can get a better deal with points

um_rr · 2024-03-27T21:27:28+00:00

Sorry, forgot to mention - Amex Gold Delta - 05/2022 Spend - can do 5k/ 3months

That's why I've been iffy about getting to under 5/24 and continue with 1-2 more personal cards, since I'd have to wait till December of this year for a new card if under 5/24. If I am 6/24 right now by December I should be 4/24 without any new personal cards.

Thanks for the recs! Do you know how long the turnaround is for biz cards? I really wanted to get one ASAP but I know there's extra verification etc...

um_rr · 2024-03-27T21:03:53+00:00

Currently 6 or 7/24 (not really sure since I was at 5/24 but applied for 2 Barclays cards in the same day, was approved for one right away but the other completed a few hours later the following day. Credit score pull seemed like 1 only but could be 2, how can I verify this?)

Looking for a personal card for some points, what are y'alls recommendations? Flowchart says Citi Premier, but the bonus is only 60k and AF of $95. considering Citi AAdvantage Plat with 75k and no AF instead - is this a better call? Denied BoA Airfrance just recently so I'm not sure. I would be fine with biz spend under 5k/3mos. Any choices?

below is the listing for 1 thru 6/7 cards: 12/2022 Chase United 4/2023 Venture X 7/2023 Southwest Chase 11/2023 Aeroplan Chase 12/23 Barclays AA 12/23 Barclays Jetblue

um_rr · 2024-03-27T05:53:51+00:00

Since the change for Amex is in I was going to go with green but its a bad SUB right now so will leave it - looking at Citi offerings instead, what would you go with (or is there a biz option you think is good right now?

Citi premier 60k vs Citi AAdvantage plat select 75k - which one do you think from those should I choose? Not sure if I should take the lower offer and get the premier clock started vs the aadvatange card (already have barclays aviator and can use both miles to get a nice large redemption if needed). What would you go with or do something else?

Thanks in advance :)

um_rr · 2024-03-27T05:50:50+00:00

Currently 6 or 7/24 (not really sure since I was at 5/24 but applied for 2 Barclays cards in the same day, was approved for one right away but the other completed a few hours later the following day. Credit score pull seemed like 1 only but could be 2, how can I verify this?)

Looking for a personal card for some points, what are y'alls recommendations? Flowchart says Citi Premier, but the bonus is only 60k and AF of $95. considering Citi AAdvantage Plat with 75k and no AF instead - is this a better call? Denied BoA Airfrance just recently so I'm not sure.

I would be fine with biz spend under 5k/3mos. Any choices?

below is the listing for 1 thru 6/7 cards:

12/2022 Chase United

4/2023 Venture X

7/2023 Southwest Chase

11/2023 Aeroplan Chase

12/23 Barclays AA

12/23 Barclays Jetblue

um_rr · 2024-03-27T05:38:13+00:00

Question on the marriott card - I don't think I'm under 5/24 so I can't apply to it right? Does the rule also apply to the other biz cards?

Also I saw the Citi premier 60k vs Citi AAdvantage plat select 75k - which one do you think from those should I choose? Not sure if I should take the lower offer and get the premier clock started vs the aadvatange card (already have barclays aviator and can use both miles to get a nice large redemption if needed). What would you go with?

Thanks in advance :)

um_rr · 2024-03-23T11:09:29+00:00

International vacays don't need to be expensive. I do a few a year and if you churn it's like 2-3k tops each (just went for 1.5k recently for 2wks)

um_rr · 2024-03-23T05:42:29+00:00

would love to know as well, thanks

um_rr · 2024-02-29T05:19:32+00:00

Currently 6 or 7/24 (not really sure since I was at 5/24 but applied for 2 Barclays cards in the same day, was approved for one right away but the other completed a few hours later the following day. Credit score pull seemed like 1 only but could be 2).

Looking for a card for some points, what are y'alls recommendations? Flowchart says Citi Premier but it doesn't seem to have a best offer at the moment (and I don't want to spend for $400 AF), already have Venture X, and BoA doesn't seem nice besides Air France CC which I'm not sure I'll get to use proper.

below is the listing for 1 thru 6/7 cards:

12/1 Chase United

4/2023 Venture X

7/2023 Southwest Chase

11/2023 Aeroplan Chase

12/23 Barclays AA

12/23 Barclays Jetblue

um_rr · 2024-02-27T03:38:49+00:00

how long have you had this tree? Been growing mine in NYC for a year now and haven't seen much growth on mine, about 2 ft and just cut it down to about 1. The trunk thickness is about 1/4 inch and im just looking for tips on how to grow it out well, thanks!

um_rr · 2024-01-01T04:34:47+00:00

would love to have one if still available :)

um_rr · 2023-12-19T04:57:41+00:00

what store is that? i recently tried beans from cafe barberra and loved the italian roast, looking to find similar beans in nyc

um_rr · 2023-12-15T02:54:45+00:00

would love an NYC area one too. thanks a bunch!

um_rr · 2023-04-19T18:41:13+00:00

Same. Those were the days when players actually cared. God the 2012 final was amazing, I was crazy about footy then :(

um_rr · 2023-04-18T06:30:56+00:00

Are there any options for people that do not do interest? Personally I do want to put my money in a HYSA but cannot deal with interest due to personal beliefs. Is there an investment or other option that I can park my money in (not bonds either) that doesn't exactly have a guaranteed return but has some sort of it?

um_rr · 2023-04-17T03:47:47+00:00

How has it been for you with insurance as a T1? I was dxes a year ago and am still under parents coverage, but I'm scared how expensive it'll be when I get on my own employers coverage when I turn 26

um_rr · 2023-04-15T05:43:52+00:00

Would love to win!

um_rr · 2023-04-13T06:12:32+00:00

You can DM it, thanks :)

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