Lurker > _BlueMonk

lol why is everyone mad at me?

just a side note i just checked in online for my American Airlines flight im taking tomorrow to LA. staying at the Hyatt hotel. all of this is funded by my credit card points lol. but apparently i dont know shit about credit cards.

anyway

doublecash is great. no AF, 2% back. what more could you ask for?

a lot of churners like that reddit you got linked to (seriously take the time to read the sidebar before you start asking questions cuz they are getting toxic and will rip you to shreds if you ask "hey what's a good card?") will advocate Chase cards. the Freedom card gets 5% back on rotating categories up to 1500 dollars per quarter. lots of other cards do this (citi dividend, discover IT) but chase's points are really flexible. sure you may not like travel now, but maybe later you can, and if you get a Chase Sapphire card, you can transfer them and use them for travel at a higher redemption rate (Reserve gets 1.5x redemption). but in the meantime, you can get cash back for your UR and 1 cent per point. so 10,000 points is 100 dollars. No AF for the freedom. there's also the freedom unlimited. same card, but no 5% cash back but you get 1.5% on all purchases.

my current set up is this:
Freedom unlimited for everyday purchases at 1.5% cashback/points
Chase Sapphire Reserve for travel and dining at 3% cashback/points
Chase Business Ink Preferred for internet, phone, and paying rent at 3% cashback/points

i transfer everything to the Sapphire Reserve and redeem it all at 50% more value. its working great so far. plus the other benefits of the card (cell phone insurance from the ink, airport lounges for free from the reserve) make it waaaaay worth it. i did the math and this current set up gets me 1000 dollars worth of value every year toward travel!

Annual fees may seem like a lot, but they're more of an investment. sure i pay 550 dollars a year for my cards, but i get 1550 back from using them (thus the net 1000 in value). its a no brainer.

but i understand that sometime you dont have the capital to front the costs first, that's why the citi double cash is good, and the freedom/freedom unlimited.

but the real money comes from sign up bonuses. look on /r/churning or Doctor of Credit (a website) for the best credit card offers. usually you can get 200-500 dollars just from opening a card and spending a certain amount in a certain timeframe (ie 4000 dollars in 3 months). as l ong as you dont spend more than you would normally, it's free money. i've gotten 2000 dollars of points from chase alone just from opening their cards! Amex gave me 200 and i got even more from opening banks

then theres referral bonuses! i got 275 dollars just form people clinking my links this year!

lemme know if you have any other questions, or if tehres a card you want and ill let you know how it is. come cards like the Capital one venture are just not worth it, cuz the Double Cash exists lol.
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One in a Million, TWICE!
Dahyun is BEST.

*dumps half the bottle in it*

Uh...???
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One in a Million, TWICE!
Dahyun is BEST.

is it bad that i dont care who becomes universal champion, as long as ITS NOT ROMAN.
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One in a Million, TWICE!
Dahyun is BEST.

topic
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One in a Million, TWICE!
Dahyun is BEST.

i dunno man, why is sonic the hedgehog blue?

cuz its a fucking video game.
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One in a Million, TWICE!
Dahyun is BEST.

https://www.youtube.com/watch?v=xq7sejY575w&t=602s

its quite entertaining.
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One in a Million, TWICE!
Dahyun is BEST.

guys

care
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One in a Million, TWICE!
Dahyun is BEST.

hes in a medically induced coma now, i hear.

fuck.
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One in a Million, TWICE!
Dahyun is BEST.

wooooo....

http://www.iwnerd.com/ric-flairs-manager-posts-worrisome-update-flairs-health/
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One in a Million, TWICE!
Dahyun is BEST.

BlackHorse6969 posted...

so you made $60?

yup. i sold some coin to diversity a little bit into ethereum and litecoin, but most of my cryptocurrency is still bitcoin. my portfolio is about 75.

hey, easy 60 bucks for doing nothing.

meanwhile ive made 3 dollars in investing in the stock market, and about 2000 dollars in credit card points. and 15 dollars in bank account interest, 300 dollars in bank account bonuses.

doing nothing is awesome.
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One in a Million, TWICE!
Dahyun is BEST.

hit 4000.

i bought 1/50 of a bitcoin back when it was 975 dollars.

brb buying a yacht
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One in a Million, TWICE!
Dahyun is BEST.

well

he shouldn't have talked so much shit then

fucking asshole. i hope he rots in hell


talking about this of course:
https://twitter.com/jontronshow/status/742832684225994753?lang=en
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One in a Million, TWICE!
Dahyun is BEST.

lmao what are you doing dude
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One in a Million, TWICE!
Dahyun is BEST.

giantblimpN7 posted...

But do you have a Chase Sapphire card?

i have 2
the preferred and the reserve
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One in a Million, TWICE!
Dahyun is BEST.

just signed up for the Bank of America free 100 dollar bonus. pretty easy to get, just sign up for a checking account and make 2 deposits of 250 via direct deposit in the first 90 days.

not as good as Chase gave me, 300 dollars, but 100 dollars is 100 dollars (or like 80 after taxes)

so that makes

Mechanics Bank - Had since i started college
Navy Federal- Dad worked for the navy and got me into this credit union
Alliant Credit Union - this is just great. transfers count as direct deposits from the other banks, no fees, 20 dollars atm reimbursement a month, and best of all, .6% interest on their checking account, and a whooping 1.05% interest on their savings.
Chase- did it for the relationship (i have 5 chase credit cards, figured opening a checking account would help my chances get more) and for the free 300 dollar sign up bonus.

and i got the BoA now. for the 100 dollars, but also this nice perk:
https://about.bankofamerica.com/en-us/what-guides-us/arts-and-culture/partners.html#fbid=bYRBPgZeo3d
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One in a Million, TWICE!
Dahyun is BEST.

EnragedSlith posted...

It will reduce her life expectancy, but you're right in that a lot of people on dialysis already have a foot in death's door anyway

yeah.

i mean, i never expected my parents to live into their 90s or anything.

but at least past 75. maybe 80.

shes 65 right now.
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One in a Million, TWICE!
Dahyun is BEST.

LightHawKnight posted...

My Grandma before she died. And my cousin, I believe she was put on dialysis when she was around 12 for an kidney issue.

how long were they on dialysis for
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One in a Million, TWICE!
Dahyun is BEST.

my mom's kidney's arent doing so well. last year she had to be put on dialysis for 6 weeks. she got better and shes just been monitoring it since.

but now her doctors say that in about a year she'll have to go on dialysis permanently, unless things change.

of course like everyone else, i went on webmd and learned that most poeple who go on dialysis die within 3 years. and i had a panic attack.

after recovering i read that the average of 3 years is cuz
1) They were dying anyway
2) they were old as fuck
3) something else killed them.

so now i dont know what to think. my dad said he's know people who've done dialysis for 20 years, but i can't find much research to say this.

im feeling extremely sad hearing that my mom is going to have to quality of life impacted (she can't travel back to the Philippines easily now), but i dont think she's going to die in the next 3 years.

i dont know. i just wanna hear what its like. how long they went on for. what happened.

i dunno CE im just freaking out.
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One in a Million, TWICE!
Dahyun is BEST.

i just didn't expect to lose her within this decade. shes only 65..

my dad is older so i always expected for him to go first. but then suddenly my mom got sick and its all heading downhill for her.
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One in a Million, TWICE!
Dahyun is BEST.

im at work and im freaking out.

fuck
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One in a Million, TWICE!
Dahyun is BEST.

Kazi1212 posted...

Theres a high mortality rate after 5 years. I

great :(
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One in a Million, TWICE!
Dahyun is BEST.

Kazi1212 posted...

I'm on dialysis too, but I'm in line to get a transplant. Your mom can't be put on the list? That's rough man, all you can do is be there for her, best wishes

i dont know. shes been having kidney issues for the last year and i dont live with my parents anymore so i only hear small updates. shes 65 so i dunno her chances of getting a transplant.

i keep thinking shes going to die soon but this is the opposite of that. its extending her life. but its still saddening.
---

One in a Million, TWICE!
Dahyun is BEST.

iosifsvoboda posted...

You know what's harder watching them get sick and die when they're still young

i guess
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One in a Million, TWICE!
Dahyun is BEST.

:(. my dad keeps telling me to not be so bummed out cuz its not like shes dying, but its still scary and making me sad.

i dunno CE. its hard to watch your parents get old and sick.
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One in a Million, TWICE!
Dahyun is BEST.

i dont watch that korean krap
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One in a Million, TWICE!
Dahyun is BEST.

all right. teenage girls want to have sex

but

i mean

fucking dont have sex with your students
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One in a Million, TWICE!
Dahyun is BEST.

they're pretty cool.
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One in a Million, TWICE!
Dahyun is BEST.

i ran into my friend at a train station and we started talking. i told him i was stressed out looking for a job (i had just been rejected after a 4 STAGE INTERVIEW PROCESS)

and he said that his job was looking for someone to teach computers. i applied and dropped his name and got an interview and they loved me. got hired.

then, the director of our program mysteriously quit and when some of the supervisors got suspended for asking too many questions, E V E R Y O N E quit. except me. cuz i need money. that left a lot of open positions and i got "promoted"

now im the program coordinator at a high school we partner with, because the old coord quit.
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One in a Million, TWICE!
Dahyun is BEST.

Capn Circus posted...

That won't matter when you double your money

so what you're saying

is that i should gamble

but dont ever lose


...

WHAT COULD GO WRONG!??!?!
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One in a Million, TWICE!
Dahyun is BEST.

Touch posted...

I have my Batcard get on my level

oh shieet
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One in a Million, TWICE!
Dahyun is BEST.

CirocObama posted...

I just got my VISA INFINITE card actually.

eeeeey a fellow big baller.

be sure to register for the visa infinite website and use their travel portal. you can get 100 dollars off flights when you book 2 tickets.

its a shame that the CSR doesnt get this benefit but the USB, and the Ritz Carlton cards do i know.
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One in a Million, TWICE!
Dahyun is BEST.

JerickoX posted...

Prepare to be bombarded by a slew of coastal democrats, vapid/stuck up attitudes, and have random dicks hitting on your girl every five seconds.

i live in san francisco bro we got plenty of those.

and no one really messes with my girlfriend. shes from the hood and has permanent RBF. plus im big and black so
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One in a Million, TWICE!
Dahyun is BEST.

Capn Circus posted...

Take about 10k out in cash and go play craps.

but then i would have to pay the cash advance interest on that immediately. which is 25 percent.

wtf
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One in a Million, TWICE!
Dahyun is BEST.

guys
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One in a Million, TWICE!
Dahyun is BEST.

Complete_Idi0t posted...

Yay debt is awesome

what debt?
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One in a Million, TWICE!
Dahyun is BEST.

300 dollars a night for 2 nights. with taxes it was like 700. i used my debit card to book the hotel. i only had about 700 dollars in my bank account.

we get to the hotel at like 1am, and we check in. they run my card and its declined. again and again its declined. i ask how much are they trying to charge and they tell me 800 dollars. 700 for the room, and 50 for insurance for each night.

i was so embarrassed. luckily the dude in charge came out and changed it so i had 2 reservations instead of one, and so i was only charged for one night, and said we could settle it in the morning. the next day my friend put it on her card that had more money than me and we were able to stay.

but god, how embarrassing.at this big luxury hotel and i cant even afford to check in.

but now thats changed. i have the premium CHASE SAPPHIRE RESERVE CARD with a 10k limit. that not enough? how about my AMERICAN EXPRESS CARD with a 16k limit. or one of my 5 OTHER CREDIT CARDS.

IM A BIG BALLER NOW BABBIIIEEEEEEEEEEE
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One in a Million, TWICE!
Dahyun is BEST.

going with my girlfriend. its our first vacation together yay. gonna have a ton of sex.

anyway we're staying at a hyatt hotel near the airport. gonna rent a car when we get there, and try to go to Koreatown to eat eat eat eat and eat.

KCON LA is happening, so we're going to that, but won't be going to any of the concerts. no band i really like is going to be there.

we got tickets to Universal park studios too.

anything else we should do?
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One in a Million, TWICE!
Dahyun is BEST.

great plan. amazing plan. so amazing.
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One in a Million, TWICE!
Dahyun is BEST.

doesnt matter cuz someone just bought 50
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One in a Million, TWICE!
Dahyun is BEST.

yeah man, just like my 3D TV.
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One in a Million, TWICE!
Dahyun is BEST.

OpheliaAdenade posted...

Sheetz card for gas

bro

why

get this:
https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/

for gas. itll earn you 3x the cash back than... whatever that is.
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One in a Million, TWICE!
Dahyun is BEST.

cool. im almost 30, how's my portfolio doing

$-55,000

well fuck
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One in a Million, TWICE!
Dahyun is BEST.

OpheliaAdenade posted...

umm... <.< I actually signed up for it. I've earned 7 dollars towards a new car so far.

bro

cmon.

ive earned 2000 dollars in the last 3 months on credit card sign up bonuses alone. not even account for the rewards i get for normal spend
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One in a Million, TWICE!
Dahyun is BEST.

"Hey man can you do me a favor."
"Sure, i'm always glad to help a person in need"
CE: WHAT A FUCKING CUCK!!!!! CUUUUUUUCCCKKKKK!!!!!!! *masterbates to anime girls*
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One in a Million, TWICE!
Dahyun is BEST.

i played on my high school golf team. i was terrible, but at least i have clubs and the knowhow to play.
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One in a Million, TWICE!
Dahyun is BEST.