r/churning Dec 20 '21

Weekly Off Topic Thread - Week of December 20, 2021 Anything Goes

This is the Weekly Off-Topic thread

There's more to this hobby than just credit cards - it spreads out into travel aspirations, what luggage or wallet you're using, or what flavor kombucha your local WeWork is serving. Please use this thread to talk about all things even tangentially related to churning. Memes, jokes, and off-topic content are allowed (and encouraged) here. Please use our regular threads to ask basic questions, ask questions about what card to get, or talk about MS. But if it's off-topic elsewhere, you're on-topic here.

Regular rules still apply.

Have fun!

Note: Posting and soliciting referrals are still not allowed.

43 Upvotes

2

u/mthduratec MSY Dec 26 '21

Anybody want some Dollywood tickets? We had a couple of COVID+ in the family and had to cancel our trip. I’ve got 5 adult tickets and 1 child plus a parking pass that can be used 12/27-12/31. In theory these tickets aren’t transferable but they don’t have names on the tickets and are accessible via an email link that just requires my phone number to open. If you’re interested DM me. Free or whatever they are worth to you if you can make it work.

1

u/12itsnotme12 Dec 25 '21 edited Dec 26 '21

Your standard unrequested Xmas day IAD lounge crawl reviewww... coming live from IAD.

You'll wanna start with Turkish - better food. They are back to glasses for drinks and had prompt service the whole time. "Buffett" spread is solid as well and has more options than a couple months ago.

End with Lufthansa - chairs are better. Liked the ambiance more. Food is... not bad if your vegetarian but they only had turkey as a meat and well... I'm not a turkey person. Presentation overal was better and chairs are comfy. Dig the more Germanic vibe.

To come: hopefully a UA club at ORD... I dunno what to expect but you bet, if there's booze. I'm there

Edit: ORD UA club. F gate. Solid. Large area. Nice for plane spotting. Food was brining and prepackaged. Bar dude was solid and got me loaded "since it was Xmas". 10/10 will drink there again

3

u/Eurynom0s LAX Dec 24 '21 edited Dec 24 '21

Used my Dell credit for a pair of Bose QC35 ii. It's the gaming version, which is apparently identical to the regular ones except it comes with a detachable mic you can just not use, and the lettering for BOSE on the earpieces is colored gold or rose gold or something like that instead of matching the color of the headset. I was equivocating a bit between the QC35 ii and the QC45 for a few reasons but what ultimately settled it was that the delivery date for the QC35 ii is next week while for the the QC45 was beginning of January so I was afraid the QC45 wouldn't ship until next month and thus use Q1 2022's Dell credit. Didn't want to order anything earlier because I didn't want it sitting unattended while I'm at my parents' house in a different state and didn't want to order it to my parents' house in case it came after I left/didn't want to have to carry it back with me if it came while I was here since I didn't check a bag and my carry on is already pretty full. Plus the QC45s were initially out of stock, seems like they only became available for ordering again on Dell this week.

Should still be available for arrival before the 31st if you still need to use your Dell credit. One of the things I was equivocating on was micro USB on the QC35s vs USB C on the QC45s since I'm close to all USB C on all my other devices, but I decided it's not a huge deal since I'm probably not going to travel with these since as someone staunchly carry on only it's not worth the bulk in the carry on, needing a micro USB cable at home is way less of a big deal than needing to carry around a micro USB while traveling just for the headphones.

[edit] Right now 35 are $229, 45 are $279.

5

u/redvwmicrobus Dec 24 '21 edited Dec 25 '21

https://www.nytimes.com/2021/12/23/us/canceled-flights-omicron.html

More than 2,000 3,800 Christmas Eve flights are canceled globally amid the spread of Omicron.

ETA: now 3,800

2

u/stillwaters23 LAX, SFO Dec 24 '21 edited Dec 24 '21

I’d really like to get the opinion of what I think are the smartest travelers on Reddit: on 12/27 returning 12/30, P2 and I have a trip planned to Seattle. Flights nonstop Monterey to SEA in Alaska F. FHR at the Edgewater, tickets to a concert, prepaid for a fancy lunch on top of the Space Needle, hoping to do an underground tour, some nice dinners, and a bunch of time at the hotel relaxing away from the kids. Looks like it won’t get above freezing the whole time, and I’m learning this is very rare for Seattle, and the city does not handle that very well, and has the potential to get pretty well shut down. Reading news reports of the mayor asking people to stay home. That plus the likelihood of getting the omicron has me wondering if this trip is a good idea. We’re vaxed and boosted and all so it probably wouldn’t be a huge deal, aside from the possibility of getting symptomatic and stuck there. We planned the trip a long time ago, have never been to Seattle, and really looking forward to it. I’m wondering if maybe P2 and I shouldn’t just take a road trip to Napa instead. I’d have to try to sell the concert tix, reschedule or sell the Space Needle lunch (cost $200). Flights paid for mostly with a mishmash of banked funds with varying expiration dates, so could risk losing some of the funds expiring soon. We’ve been to Napa before, and plenty of California wine tasting, so that trip wouldn’t have the allure. But no worries about flights getting cancelled, freezing weather, and less exposure to the Rona. I’m curious to know, what would y’all do?

2

u/njr21 Dec 25 '21

I would ask, how much do I want to go to the concert?

I worked in Seattle for five years and went to college in the area too. The city did not handle snow well at all. This was in part due to not using salt on the roads which is no longer the case. The number of hills hasn’t changed though and those roads generally get shut down because it’s just not safe. You definitely won’t get to fully experience Seattle. If you’re ok with braving the roads for the concert (is your hotel close to the venue?) and lunch and then just hanging out in the hotel, then it could still be worth going. If you would rather get to do all the touristy things (especially since you haven’t been to Seattle before), I think you should reschedule for July/August. If you do go, give yourself plenty of time to get to the airport if it’s been snowing. A lot of people will put chains on their tires and won’t be able to drive at freeway speeds.

1

u/stillwaters23 LAX, SFO Dec 25 '21

I’ve been getting some more input on this. I booked a black car (Escalade) from the airport to our hotel and back so we have a professional driver and not some random Uber on bald tires and no icy road skills. Hotel is right on the waterfront. Concert is at Moore Theater, looks like maybe 2 blocks of uphill. I’m comfortable doing that in an Uber. If it crashes, we won’t be going fast. Most of the stuff we want to do is right there around the waterfront, Pike’s Market and the Space Needle and all that. So I think we’ll be okay. There shouldn’t be a lot of snow in that area, if any sticks near the waterfront at all. And snow will be done by the time we get there, followed by a dry hard freeze. So hoping it won’t all be too iced over. Need to find my long underwear though lol.

2

u/njr21 Dec 25 '21

With that plan, I do think you’ll enjoy the trip. Have fun!

1

u/stillwaters23 LAX, SFO Dec 25 '21

Thanks I appreciate the input.

2

u/krivad Dec 23 '21

I have an offer for 1 Marriott 35k FNA per stay, up to 2 cash stays. There’s a 35k property I’m planning to be at next month (cash rates around $420). Any issues/am I an idiot for picking a cheap hotel near me that’s <$100 to trigger these? I have 250k points and two 50k FNAs, would prefer to try to save the points for booking 5 night stays and the 50ks for better properties, but also I feel like I probably should just burn the 50k FNAs before the deval, even if I’m losing 15k point value.

2

u/chrumbles Dec 23 '21

check the latency to see how fast those FNCs will post.

1

u/krivad Dec 23 '21

3-5 days

8

u/akaTheHeater DEN Dec 23 '21 edited Dec 23 '21

Heading to Peru to visit family, some of whom I haven’t seen in 18+ years. Cost an absurd amount of UA miles but I definitely would not have been able to afford a somewhat last minute visit over Christmas break otherwise.

Edit: Connecting flight got delayed. Why is the IAH Centurion Lounge so tiny? Ended up going to the United Club instead and it’s way roomier.

6

u/michael72688 Dec 23 '21

Thank you to all who contributed to the glossary. I will no longer think people are talking about Dairy Queen.

9

u/Andk56 Dec 23 '21

Also, DP does not mean what urban dictionary would have you believe.

AU is another good one, especially if you’re talking about an Amex plat gold authorized user card. Swap in element abbreviations, and then it’s a (Pt) Au AU.

4

u/michael72688 Dec 23 '21

I looked up DP on urban dictionary. If I read between the lines I think it's about stacking reward points. JK

-1

u/michael72688 Dec 23 '21

That feeling you get when you've been approved for a credit card with a minimum spend you're not sure you can make, and you still haven't received the new card in the mail. argh!

2

u/sexy_kitten7 PWM Dec 23 '21

App first, think later! I've never done that (I'm an MSer) but have done bank bonuses with deposit reqs many times thinking oh crap do I have that much cash?

0

u/michael72688 Dec 23 '21

Bugging the mail carrier, "Do you have any envelopes for me that have a 3 1/2 inch section that doesn't bend?"

4

u/jfchops2 MSP Dec 23 '21

Don't you have Informed Delivery?

-5

u/michael72688 Dec 23 '21

I really don't want more email. Just want the card.

6

u/lenin1991 HOT, DOG Dec 23 '21

You can sign up for Informed Delivery and choose not to get the emails -- you can just check the websites on the days that you're itching for something.

8

u/planesurf MIA, HNL Dec 22 '21

I got my fall semester grades back and I’m really happy with how I did. I got all As and Bs for the first time in a while.

College has always been challenging for me. Moving away from home to a new state, school, etc. it was hard for me to find hobbies that I liked. I eventually lost most motivation for school, I never dropped out, but my grades were at the lower part of the GPA scale.

This past fall was pretty chill. I took 4 classes, and actually enjoyed the semester. About 2X a month I would travel, whether that be domestic MRs or burning points/miles for Europe to fly in my Lufthansa daycare.

To be honest, I surprised myself a bit. My finals were hard and the days leading up to them, I went home and hung out at the beach and with my dog. I flew back for one day to take it and MS some, then went to Europe (Singapore F, will have a write up soon).

I think what helped me a lot was establishing a routine and to be honest, MS was part of it. I would go to school, do HW, then do my MS runs after. Rinse and repeat, and the weekends gave me time to refresh.

2

u/michael72688 Dec 23 '21

Need more info about the Lusthansa daycare.

1

u/TheSultan1 EWR, FTW Dec 22 '21 edited Dec 23 '21

If you have Allstate, Allstate Rewards has:
$20 Best Buy GC for $15
$25 Lowe's GC for $15
$25 Kohl's GC for $15

Limit 1 ea. As usual, uses 100 points/$1 discount (500/1000/1000 points, respectively, for the above).

13

u/ProverbialFunk Dec 22 '21

I turned 40 this year, and Travel and Food have always been a huge part of my life. Like many here though I'm also /r/Frugal.

I can't push enough how memorable some of our 'Tasting Menu' Dining experiences have been. I used to laugh at the idea of a $100+ meal, but looking back some of my fondest memories are those fancy restaurant events.

We aspire to go to Noma (Denmark) some day, but we got to hit up Inua in Tokyo which was an offshoot they did for a few years. Every part of the menu was either fermented, or had otherwise undergone some type of chemical alternation besides adding heat and spices. And now I can say I've eaten fermented deer tongue. =P

4

u/ne0ven0m OMG, BOO Dec 23 '21

I get you. I'll buy store brand diet soda at home, but throw down on a fine dining meal while on my trips. And because they're still limited to just a few each year, it's always special. I'll always remember the look on my wife's face when we went to a place in Paris that was featured on a TV show, and the chef looked up from the kitchen and gave her a wave. It totally made her day.

Not only am I thankful I can enjoy these meals, but appreciate that I'm informed enough to have my own opinion on something that my younger self could only dream about.

5

u/[deleted] Dec 22 '21 edited Feb 23 '22

[deleted]

3

u/ProverbialFunk Dec 23 '21

Dude - If there's a way to get on the 'Guinea Pig for Chef's Trying to Prove Themselves™' List Sign me up! That's brilliant.

9

u/lenin1991 HOT, DOG Dec 22 '21

Something that often gets said on /r/frugal is that it doesn't necessarily mean you are frugal across the board, but that you save on things that don't matter to you to spend on the things that do. So maybe you drive a 15-year-old Toyota to those fancy dinners.

And if you're finding memorable tasting dinners for just $100 a person, you're doing that pretty frugally too.

3

u/chrumbles Dec 22 '21

well said. save on lower-priority things to spend more on things that make you happy.

12

u/jvolzer Dec 22 '21

I use a Wells Fargo personal account for all of my buying group deposits. Guess they didn't like it. They shut down my account today and didn't give a reason; I assume it's the large deposits and payments. Just a heads up if anyone does volume through them. Maybe a business account would have been better.

4

u/katiedh Dec 22 '21

They shut me down a couple months ago, also no reason given. Weirdly enough, it was a few months after I’d stopped MS (no buying groups).

2

u/michael72688 Dec 23 '21

Wow, do you have any inclination to find out? I would be interested.

2

u/katiedh Dec 23 '21

I tried, so did the in person reps that helped me (they were very nice). After hours on the phone between all of us, all we got was that they wouldn’t share anything regarding why the decision was made.

3

u/andrewmine Dec 22 '21

Oh damn surprised that wells Fargo did this. Hope this is not the beginning of something.

3

u/Econ0mist CSH, OUT Dec 22 '21

Can you estimate your monthly volume in/out?

Did they also axe any of your WF credit cards?

Did they give you a heads up before closing the account?

4

u/jvolzer Dec 22 '21 edited Dec 22 '21

Sowing increasing to 40k per month since July 2020. Before July I was doing MO into the account but not that hard.

Only ever tried for one CC a couple years ago. Denied my app. Never really saw interesting cards from them so never tried again. The rep I talked to on the phone said I'm barred from having any WF products ever again.

Sort of. The account doesn't actually close until Feb 3. I can do everything like normal except for check/cash deposits until then, but I didn't get a heads-up before the closure notice and it's a 100% final decision. Which is fine. If they don't want my business, I'll take it elsewhere.

2

u/andrewmine Dec 22 '21

Did they cité any specific reasons for the closure?

2

u/jvolzer Dec 22 '21

No. They said they don't have to give me a reason. Either party can close at any time without giving a reason.

1

u/Econ0mist CSH, OUT Dec 22 '21

So you were depositing 40k per month of checks at the ATM?

3

u/jvolzer Dec 22 '21

All my deposits were with a teller. Since PM started doing ACH about half of that is ACH now.

1

u/Econ0mist CSH, OUT Dec 23 '21

Roughly how many deposits and payments per month were you making?

1

u/Berry-Momma Dec 21 '21

Selling an electronic gift card on eBay that I couldn’t sell on any other platform. When I listed the card I think eBay said I have to send it via regular mail. Does anybody have experience with this? Could I just send the number and PIN through their message system?

1

u/Toastbuns TOO, AST Dec 22 '21

Agree with the others. You will almost certainly get scammed, speaking from experience.

3

u/ATLAS_Noir Dec 22 '21

I'd advise against it. Had a few occurrences where people bought with hacked accounts and then the original comes back to PayPal claiming fraudulent activity. PayPal won't cover electronic gift cards so you're out the money.

1

u/435880Churnz Dec 22 '21

I'm surprised anyone sells gift cards on eBay. The risk for getting scammed has got to be so high.

1

u/OccamsVirus MSY, EWR Dec 22 '21

Yes. I do this all the time with software keys.

5

u/Toastbuns TOO, AST Dec 21 '21

Found out that the Microsoft store has a max credit balance of $1000. I was hoping to load up to buy a laptop but I can't add anymore credits. Anyone have any success stories to accomplish this?

5

u/manageroftheyear BAS, BAL Dec 22 '21

I haven't tried it myself, but I've heard you can load the balance to $1k, purchase an item, reload your balance back to $1k, and then return the purchased item to go over the cap.

2

u/Toastbuns TOO, AST Dec 22 '21

Thanks for the tip. I'm just gonna buy what I need with the 1k credit and I'll buy something else later with more credit I get. I did find just now after purchasing that even though my credit balance is now $0, it still won't let me add more GC balance, so maybe it takes some time to reset.

1

u/fakelogin12345 Jan 07 '22

Hi did this work out for you? Curious as I am in the same position.

1

u/andrewmine Dec 22 '21

Try calling and see if they can add it manually?

2

u/jvolzer Dec 22 '21

Buy a laptop under $1000

23

u/Toastbuns TOO, AST Dec 22 '21

How am I supposed to watch 8k 3D holographic porn on a sub 1k laptop?

2

u/krivad Dec 21 '21 edited Jan 26 '22

I had a saver award business class flight booked with United miles on Swiss metal (75k/person). Swiss has cancelled the flight and gone from 3x/week to just 1x/week. No current open availability on business class between the city pairs for saver awards, just every day 155k-300k/person.

Should I just cancel my flight through UA and get the points redeposited or is there a chance I could call UA and have them rebook me in business on a different routing without an upcharge in points?

Edit: just to provide an update - I chatted with an agent who rebooked me on UA metal on a different date (they said anything within 7 days) and did not charge a fare difference (new booking listed at 295k vs. original I paid 75k points). Initially, they said I had to be rebooked in fare class "I", but after seeing that there were essentially no saver awards available, they were fine with putting me in JN - they had to clear it with support/supervisor, but really glad to have a better routing booked and getting an extra 2 days out of it!

1

u/garettg SEA, PAE Dec 22 '21

I had a similar situation, using UA miles flying biz on Aer Lingus later this coming spring, and Aer Lingus changed their schedule and dropped the long haul segment. Didn't contact us or anything, just noticed it myself. They wouldn't do anything about changing to a different route without paying the higher mileage cost. Ended up canceling because I found an itinerary 2 days earlier on Turkish for a couple thousand fewer miles to get us to our destination, though with an extra stop.

1

u/krivad Jan 26 '22

just to provide an update - I chatted with an agent who rebooked me on UA metal on a different date (they said anything within 7 days) and did not charge a fare difference (new booking listed at 295k vs. original I paid 75k points). Initially, they said I had to be rebooked in fare class "I", but after seeing that there were essentially no saver awards available, they were fine with putting me in JN - they had to clear it with support/supervisor and it took about an hour total over chat, but really glad to have a better routing booked and getting an extra 2 days out of it!

1

u/garettg SEA, PAE Jan 26 '22

Nice, maybe I should have pushed the issue more, but with all the canceling and rebooking over the past 2 years has me worn out dealing with it. I actually have been checking my flights often and was able to find another Turkish itinerary on the same day as my original plan so I changed to that, but I've still got 2 stops.

1

u/michael72688 Dec 22 '21

Please let us know

7

u/nxlinc TUS Dec 21 '21

Call united, and if there are UA metal flights available with J seats they should open room for you (without a reprice).

2

u/krivad Jan 26 '22

Update - they did, but they had to clear it with their supervisor first since I was booked in I and they only had JN availability. thank you!

1

u/nxlinc TUS Jan 26 '22

Glad it worked out for you! I find the front line reps need a supervisor for almost everything these days.

1

u/Churnobull SNA, KEE Dec 21 '21

Has anyone paid property taxes for a sub while having an escrow account? I’ve researched but haven’t been able to figure out what would happen. With the biz plat at 0% for 12mo I figured why not - tell our mortgage servicer I already paid it (due two months out) and hope they figure out how to apply the escrow funds to the mortgage principal

2

u/jsea747 GOA, AAL Dec 21 '21

I paid and a check was sent automatically at the end of the month when it was due. In my case it was due in the middle of October and I got the check from my mortgage company the first week of November. No need to call.

13

u/CasinoAccountant Dec 21 '21

the real move is to just unescrow it my man, homeowners insurance payments are great for knocking out SUBs as well. Lots of lenders won't penalize you for it on the rate as long as you meet higher reserve requirements.

1

u/JPWRana Dec 22 '21

This is what I do.

2

u/Churnobull SNA, KEE Dec 21 '21

Understood, already tried all the loopholes, have to wait another year to satisfy recs.

6

u/michael72688 Dec 21 '21

I called my mortgage company. They told me to tell them when I paid it and then I could request a refund out of the escrow, not have to wait for the analysis.

7

u/3mergent Dec 21 '21

I have some experience with this. The mortgager paid the bill anyway and then I had to contact the county to eventually (2 months later) get a check for my original payment.

If the mortgager doesn't pay it, then you're fine, and your escrow will rebalance annually with a surplus, and you'll get a check from them. Between 2 and 12 months from now.

It's the lamest form of MS I've ever discovered. Not worth the hassle for me.

2

u/Churnobull SNA, KEE Dec 21 '21

Awesome thank you! Yeah I wouldn’t normally do this but juggling a few subs rn and in this instance it makes sense

1

u/michael72688 Dec 21 '21

I just got my first payment from TheDealBuyer. Bought 12/9, delivered 12/10, payment received 12/20. Not bad. Tested the waters with the lowest priced item, a Roku Express. Awaiting my Southwest Premiere and will definitely consider TheDealBuyer to augment the MS. I also purchased similarly low-priced items for The Points Maker and MYS, but items haven't shipped yet. I could easily see buying one $300-$400 item per month to augment.

3

u/anztenney Dec 21 '21

Mys and pointsmaker have been really slow paying out around the holidays. I have a MYS and PM order delivered 12/9 I’m waiting on payment for. Hoping it’s not too much longer. I have orders after those delivered, so once the earliest get paid out, I’ll have a better idea of how long until the others are paid out. I’ve opened a ticket with PM on one item and they responded within a couple days which was reassuring.

1

u/michael72688 Dec 21 '21

Maybe the whole thing is just slow right now? One of the Echo Dots just shipped after 7 days, and won't arrive for another 7, and that's their own product. May have to only place orders the day after the billing close date.

1

u/yuchin Dec 21 '21

Try embdeals and buygetrewards, good variety of deals and emb pays out really fast

-10

u/michael72688 Dec 21 '21

Thanks. I'm going to upvote this, which is something everyone is free to do. I know some of us are trying to genuinely participate in an effort to get listed on r/churningreferrals. So remember, it's fairly easy to click the up arrow button.

1

u/[deleted] Dec 21 '21

[deleted]

0

u/michael72688 Dec 21 '21

another buying group. https://www.mysbuyinggroup.com/

2

u/ProverbialFunk Dec 22 '21

Has anyone done a comparison of those BuyForMeRetail? I've had 5/5 good experiences with them so far, plus they pay above retail on select items. I just run into issues with Dell and other sites not processing at the final page when using their drop addresses sometimes.

2

u/michael72688 Dec 22 '21

I've only ordered through Amazon because I read there are rarely issues with cancellations. On buyformeretail, I only ordered one thing, but the deal ended and so I cancelled before it shipped. I will try them again.

2

u/ProverbialFunk Dec 23 '21

They're like regular people just trying to run a small time operation in my opinion...but human-responses go a long way for me. They even sent me the 'free' 128 GB USB drive that came with my laptop that I shipped them from Dell which was nice. (I covered shipping).

27

u/rep-swe Dec 20 '21

Sorry if this is too general, but what other money making hobbies do y'all have? Or perhaps your favorite personal finance tip that goes far beyond "max out your 401k". I feel like this is a very industrious group of people, and I feel like I've read everything meant for the non-churning personality type.

1

u/JPWRana Dec 22 '21 edited Dec 23 '21

r/boglegeads for investing

r/freebies for... You know what

r/nocontract for minimizing my phone billsl savings.

If there is one for car/home insurance savings, someone please let me know.

2

u/sg77 RFS Dec 22 '21

You mean r/Bogleheads ; though, I've never looked at that subreddit, just the forum at bogleheads.org

3

u/ProverbialFunk Dec 22 '21

This is always my favorite thread when this topic comes up (used to be more often).

  • Getting paid (W2) for adding AUs to credit lines
  • Buying Groups (BuyforMeRetail etc)
  • Lightweight Amazon re-selling (FBA, buy stuff you get ultra cheap or free and have them sell/ship it for you)
  • Dollar General Penny Picks to be flipped later
  • TCG 2.0 Coin and other shit'coins hoping to moon =P
  • Make tangible goods for personal artistic expression, and sell them eventually
    And of course Coin Deals, ClassActionLawSuits, and Bank Bonuses available on www.DoctorOfCredit.com.

3

u/garage_cleaner Dec 21 '21

Have you looked into FIRE and/or it’s off shoots, leanfire or coastFIRE? These subs and related websites give a lot of insights in maximizing savings, investments, and budgeting to ensure you can retire early or become financially independent. What better way to enjoy the fruits of churning when you’re retired early.

7

u/stillwaters23 LAX, SFO Dec 21 '21

I spent 15 minutes and switched to Geico. Wait, am I doing this right??

8

u/lenin1991 HOT, DOG Dec 21 '21

beyond "max out your 401k"

If you go down the /r/financialindependence rat hole, you find second-order tactics that appeal to the churning mindset: esoteric but totally legit moves that require attention to detail, like the mega backdoor Roth, the glory of Solo 401(k) plans, and using Rule 72(t).

7

u/[deleted] Dec 21 '21

Crypto. I've been deep in the scene since early 2017. It's kind of a culture all its own - like one of those iceberg diagrams where on the surface its just "Hi, I'm Tom Brady and here's an ad for FTX." or "Hi, I'm Matt Damon. Before the Spiderman movie starts, visit crypto.com."

But it can go deep, really deep. The industry is rife with scammers, and many of the normal avenues that other hobbies have (ie, the cryptocurrency or bitcoin subreddits) are complete wastes of time for people "in the know". Likewise with twitter - it's the surest tool to making sure you lose money in crypto. But once you crack under the surface and get involved in private telegram/discord groups that include people actually working in the industry or whales, crypto turns into an endless money-making machine.

I've actually left my job at this point and my main income is the interest from this crypto-options trading platform that I'd invested in earlier this year. If you dig deep enough you can muster the info necessary to make life-changing investments. On the flip side, the industry still needs the "Hurr durr, I invested $300 in a coin named after a dog breed! I'm gonna be a trillionaire in a few years!" people because they add liquidity to the marketplace.

At the same time, being involved in crypto at this level and keeping up with everything is a job in of itself. So I guess technically I just switched careers.

1

u/ProverbialFunk Dec 22 '21

Well said... I got into TCG Coin via a 'gift' from my brother... and even though decorating a virtual plot of land with NFT art makes me nauseous- watching semi-pretend money 10x really quickly its a fun thrill.

What market do you do Exchange Options on? In 2020 I messed around with Options Trading on RH (As an idiot) and made $4K moving $139K worth of 'calls/puts'.

3

u/[deleted] Dec 22 '21

What market do you do Exchange Options on?

Arbitrum's GMX. https://gmx.io/trade

It's a layer 2 version of the ethereum network. This can guide you through getting set up on there.

You don't need to use arbitrum's branded eth bridge to send eth over. You can use like a dozen others (and for sending eth back). Synapse bridge, hop exchange (my fav), degate, across, celer, etc.

1

u/ProverbialFunk Dec 22 '21

Thanks for the starting points, friend!

10

u/whiFi Dec 21 '21

I've been reluctantly dipping my toe into crypto over the past 2.5 years or so but I keep getting discouraged by exactly the things you mention - feeling like there are scammers everywhere and most people talking about crypto on the internet are idiots falling prey to hype, so I should turn around and run in the other direction before I lose a bunch of money.

Are there any particular forums or sites you'd recommend for people who want to get deeper into crypto while trying desperately to avoid all that stuff?

10

u/[deleted] Dec 21 '21

most people talking about crypto on the internet are idiots falling prey to hype

Yup. The key is to ascertain who actually IS worth listening to.

Look at the activities of the smart money - ie, the venture capital firms that spend on crypto projects. Block Tower, 3 Arrow Capital, etc. If you see them spending $200m on coin buys for a certain project, or release a report/data-analysis, it's worth it to look into that.

For example, one project I invested in was GMX on the arbitrum layer of ethereum. Blocktower released some tweets and analysis on it, I then bought at $4, and the price is currently at $25. I made a million bucks off that particular project.

Likewise there's a few youtube personalities that I follow that actually are pretty good at research/analysis. Chico Crypto is someone that's always impressed me with his way of "connecting the dots" on the background of projects.

1

u/whiFi Dec 21 '21

Awesome, thanks - really appreciate your insights.

3

u/[deleted] Dec 22 '21

No problem - I remember when I first jumped into the space, I was met with some gatekeeping by people that were involved in the 2015-2016 cycle.

I maintain that the best information always comes from long-form sources (ie, youtube vids and podcasts). If someone is trying to give you info in just a few sentences on reddit or a few words on twitter, the important details will get missed. Not to say that longer chain-posts from twitter can't be useful.

Regarding podcasts, I'm subscribed to decrypt daily and My First Million (in fact they just released an ep called "Years Best Twitter Accounts to Follow").

12

u/crmagney DEN Dec 21 '21

Knowing that there's a certain level of care and attention towards finance and churning where you not only hit diminishing returns, but negative ones.

Like, max your 401k, make sure you invest when you rollover. But dont check your portfolio every day/week/or even month. It's really tough for us 'industrious' types, but you'll be happier and probably wealthier.

Same applies for churning. It's so easy after getting those first few easy big bonuses to post to fall down the rabbit hole, and eventually you're porting through multiple shopping portals with visa cards purchased on sale at a convenience store across state lines for that sweet sweet 0.25% increase in returns.

Just, be aware of that urge and fight it.

17

u/435880Churnz Dec 21 '21

but what other money making hobbies do y'all have?

A job :)

9

u/jf35fd Dec 21 '21

You mean trade labor for currency?

Tell me more??

8

u/CasinoAccountant Dec 21 '21

reminds me of the key and peele bit about robbing the bank by getting jobs there, going in on time every day, and earning their trust- so you get promoted.

1

u/Loyal_Quisling 7/24 Dec 21 '21

Churn everything

Phones

Meal delivery

Crypto bonuses

And do coin deals

6

u/Pointsmiles Dec 21 '21

First deposit/betting bonuses for sports gambling apps. Used a recent vacation in Colorado to do this. Rather than meet minimum terms to cash out, I rolled about a ~$50 investment into a potential $2000 payoff if my team wins the super bowl. Go Chiefs!

Others have dove into more depth on this topic previously, I'd seek out those writeups to maximize your play. This was just a fun way for me to have a bet at a level that I would never place in real life.

46

u/normalinternetperson Dec 21 '21

I save hundreds of dollars per year by simply buying thousands of dollars worth of stuff I don’t need thanks to Slickdeals.

3

u/jf35fd Dec 21 '21

Do like I do ... buy a TON more to save a TON of money!

2

u/imnion LGA Dec 21 '21

This topic comes up all the time. Political gambling and buying groups are my related money-making hustles.

3

u/DCJoe1 Dec 21 '21

General approach on the political gambling? Whenever I have looked at those sites, they always seem to have ridiculously easy money bets, like I remember 3% odds that Hillary Clinton would be the Dem nominee in February 2020. I am not the type to put money down on anything, but at the time the odds of that were waaaaay below 3%. But normally that easy of money doesn't stick around forever.

2

u/imnion LGA Dec 21 '21

Find free money bets for 90-93 over and over. Hillary Clinton is a great place to look. Biden dying/leaving office is another. A lot of the primary markets are sure things right now. Because of the limits on PredictIt, the free money does last forever. The crypto markets are another world, but there no CC funding so I stay away.

1

u/3mergent Dec 21 '21

PredictIt charges 5% to withdraw your money?? That's insane.

1

u/ProverbialFunk Dec 22 '21

Even nuttier is they are run by a college right!? So that college has to be making $ hand over indentured student-fist.

1

u/imnion LGA Dec 21 '21

Yeah. Definitely insane. Still ultimately worth it to me because of all the free money opportunities, but insane.

2

u/DCJoe1 Dec 21 '21

Yeah I just looked that's no joke. 2 cents odds on randos with no shot being the Republican nominee in 2024. Sure it will take a while to collect, but that's taking candy from a baby.

Edit: Hillary Clinton at 4 cents to be Dem nominee in 2024. OMG

5

u/CasinoAccountant Dec 21 '21

2 cents odds on randos with no shot being the Republican nominee in 2024

weird, in 2014 this would have described donald trump...

3

u/ProverbialFunk Dec 22 '21

Dude, I got hosed because I made that 'no Trump Victory' bet in 2016. Everyone forgets what it was like during the primaries. Every newscaster would audibly laugh when talking about him.

3

u/CasinoAccountant Dec 22 '21

And they talked ALOT about him

I won a bottle of whiskey off my dad, I made the bet that IF trump won the primary, he would beat Hillary

2

u/ProverbialFunk Dec 22 '21

Smart contingency =)

1

u/DCJoe1 Dec 21 '21

Fair. Hence why I never actually put anything down on this type of thing

3

u/imnion LGA Dec 21 '21

I wouldn't wait for 2024. But like, chuck grassley for R nom in Iowa or Tim Ryan for D nom in Ohio. They're free.

3

u/jf35fd Dec 21 '21

A great Kevin Malone once said "If somebody offers you 10,000 to 1 odds, you TAKE it!"

3

u/anonniemoose CLE, lol/24 Dec 21 '21

If John cougar mellencamp every wins a Grammy, I’m going to be a very rich dude.

2

u/ProverbialFunk Dec 22 '21

^Is that a bet one can make somewhere? Also 216 Represent =)

5

u/Churnobull SNA, KEE Dec 21 '21 Wholesome

maxing out your family's HSA for your emotional support animal's living expenses

3

u/krivad Dec 21 '21

Whoa whoa whoa, you can do this? I can buy cat food and their vet visits with my HSA if I claim this???

2

u/lenin1991 HOT, DOG Dec 21 '21

As long as you get a Letter of Medical Necessity that the animal is required due to a diagnosed emotional or mental disability. That documentation isn't only kept on file for IRS, but should be confirmed by the HSA provider in order to make each payment/reimbursement.

4

u/Churnobull SNA, KEE Dec 21 '21

Certainly can but I wouldn’t do it without documentation to back it up

3

u/Citecla Dec 21 '21

Is emotional support animal supposed to be in quotations?

3

u/Churnobull SNA, KEE Dec 21 '21

She's the real deal

2

u/chrumbles Dec 21 '21

teaching is an easy one if you're good with people and have other unique skills. local classes, even online if you're OK putting your likeness out there online.

I have a curriculum made for a soft skills/leadership course that I wanted to teach locally - I have an MBA from a reputable program and took several classes in this realm.

but COVID happened, and I don't need the money enough to pursue it w/ the many barriers/risks for an in-person thing. I don't really want my voice/video/image online so I'm not doing an online thing either.

1

u/ProverbialFunk Dec 22 '21

Pre Covid, where would you advertise these classes? How much was is to host them somewhere? What platform do you use to collect payment?

Thanks for hte info!

2

u/rep-swe Dec 21 '21

oh yeah I’m an online TA, such an easy job for great pay

11

u/Tsarinax JFK, BDL Dec 20 '21

I didn't expect to find another small hobby out of this, but all the coin deals earlier in the year sparked my interest in collecting them again. I used to do it as a young kid and I guess the buying and reselling perked my interest again. It's not any real major investment for me but it's fun and I Hope to make some money on the side with it. It's a quick way to meet some MSR though too!

I wonder how many other hobbies sprung out of churning as people looked for creative ways to spend.

6

u/Memotome Dec 20 '21

I wouldn't say I'm really collecting coins but I haven't sold the 2019 Reverse enhanced silver eagle yet It's worth a decent amount but i guess i don't really need the money that bad.

2

u/TruthDropped Dec 21 '21

i wanna rack up gold krugerrands - imagine having a safe full of treasure?

2

u/Memotome Dec 21 '21

Real talk but I'm hoping to have 1-2% of my portfolio in gold coins.

7

u/spiritualplague Dec 20 '21

My churning interest is almost entirely directed at cashing out to buy stock index funds.

2

u/stillwaters23 LAX, SFO Dec 20 '21 edited Dec 20 '21

P2 and I are going to SEA for a couple days after Christmas... more like an extended date night away from the kids, chose SEA because flights are short, nonstop, and affordable F from where grandma lives, plus lots of FHR options and neither of us have been there beyond SEATAC.

Any recommendations of things to do in SEA in the winter? Staying at the Edgewater, not planning on having a car, so looking at stuff in the city. Haven't got much past Pike's and the Space Needle, plus some nice dinners out. Looks like weather will be mostly dry but a bit cold out. We'll have 3 nights, 2 full days.

1

u/jocall56 Dec 21 '21

ZigZag cafe is a great craft cocktail spot.

1

u/chicago_churner 49/24 Dec 21 '21

If you like Italian food, then I highflying recommend osteria la spiga for dinner!

4

u/Hougie Dec 21 '21

Go to Ballard, it’s the neighborhood just north of downtown. Really easy to get to from the Edgewater.

Ballard is an old Scandinavian fishing town (every neighborhood was its own town at the beginning). The Nordic Heritage Museum there is fantastic. There’s a beer hall called Skal that’s Nordic themed. There is a wizard bar there. Market Street and Ballard Ave are both filled to the brim with shops, bars and restaurants that are among the best in the city. Oh and if you like beer Ballard is home to a lot of the prolific Seattle area ones. Can’t go wrong spending some time in Ballard.

1

u/ProverbialFunk Dec 22 '21

Funny my aunt lives there, and when we visited I knew nothing about the neighborhood... but its great. Breweries right down the residential street, cool vibe, safe etc.

2

u/jsea747 GOA, AAL Dec 21 '21

Museum of Flight depending on how much time you want to spend. It’s 10-15 min south of downtown so you’d need an Uber/Lyft. I live pretty close and have been several times, but could easily go spend 3-4 hrs there again.

EDIT: 10-15 min if no or minimal traffic.

4

u/tonykony Dec 20 '21

Foodwise - definitely recommend taylor shellfish farms for oysters and seafood if you're interested. a group of friends and I essentially ordered everything on the menu to try and it was all delicious. I'd say that the whole dungeoness crab isn't worth it, but everything else is. The best in my opinion had to be the Manila Clams and/or Mediterranean Mussels. I got half n' half, so i got to have both! The NOLA styled oysters were my second favorite! There are multiple locations, so it may give you some flexibility in your plans! I personally went to the one close to the starbucks reserve

1

u/stillwaters23 LAX, SFO Dec 21 '21

P2 can’t eat shellfish. The sacrifices we make :-(

1

u/Fpaau2 Dec 21 '21

I love their sea urchins!

0

u/chrumbles Dec 20 '21

https://www.airbnb.com/experiences/47240 I have yet to do it but it is top of my list the next time I'm in Seattle! the ratings on it are incredible.

-2

u/OddaJosh BIG, BOY Dec 20 '21

Do you call San Francisco SFO?

6

u/stillwaters23 LAX, SFO Dec 20 '21

I call the airport SFO.

-2

u/OddaJosh BIG, BOY Dec 20 '21

Why do you call Seattle SEA

4

u/stillwaters23 LAX, SFO Dec 20 '21

Sorry, didn’t mean to confuse some of y’all as to whether I was referencing the airport or the city itself.

9

u/chrumbles Dec 20 '21

the context gave enough info that it's Seattle, but some people use SEA to refer to South East Asia.

6

u/Quacktastic69 KWA, CKZ Dec 20 '21

The wife and I ate at Shiro's Sushi for dinner back in July. They were only serving the set omakase course at the time. I think it was around $75 per person. It was the highlight of the trip for me.

4

u/PDX_douche_bag PDX Dec 20 '21

I also highly recommend Shiro's suhi. That fatty tuna....Me and P2 still talk about it.

3

u/Quacktastic69 KWA, CKZ Dec 20 '21

No way, we do too

1

u/stillwaters23 LAX, SFO Dec 20 '21

Oh that sounds good! Sadly, P2 is not into sushi. She'll go with me and eat teriyaki or something, but I probably don't want to do that to her on this trip.

6

u/garettg SEA, PAE Dec 20 '21

Check out the Seattle Underground tour, the Chihuly Garden, and the MoPOP

4

u/Lower-Kangaroo6032 Dec 20 '21

Chihuly garden is very cool.

2

u/Eurynom0s LAX Dec 20 '21

I already tried asking this on the Alaska forum on FlyerTalk but the responses I got all went into a conversation completely different than what I was asking.

If for example I booked a flight on Alaska today for say sometime in August, make no adjustments to the itinerary on my end, and then in February there's a massive schedule change on Alaska's end I could get a refund to my credit card. In my actual situation I booked a flight at the end of November for the end of this month that I'm no longer able to make; if I took this itinerary and rebooked it for a flight sometime far out and then there's a big schedule change, will that qualify for a refund to my credit card, or will the fact that I initially made a change to the itinerary mean that I still get stuck with a refund to wallet credit?

I know I could just cancel and get it refunded to wallet credit, but it's $600 so it'd be preferable to just get it back instead of having it tied up in wallet funds if possible.

5

u/PDX_douche_bag PDX Dec 20 '21

You may get a better response by posting in r/AlaskaAirlines or the question thread on this sub.

Calling Alaska Airlines customer service is probably going to be the best bet.

8

u/Eurynom0s LAX Dec 20 '21

Thanks, I'll give the subreddit a shot. I'm always reluctant to ask customer service these kinds of questions because of the high likelihood that they just make something up and then it's your problem that you got bad information from them.

1

u/OccamsVirus MSY, EWR Dec 20 '21

Anyone have any thoughts on Caribbean AIs? Looking for recs on specific properties for a friend's bachelor party. Likely going to be 6 people in late March and a cash booking but I'll likely pay for it all and get reimbursed (so potential to get a ton of points).

4

u/BleedBlue__ Dec 21 '21 edited Dec 21 '21

My fiancée and I went just got back from Cocobay in Antigua and I can’t recommend it enough. It’s a boutique, adults only, all inclusive. I believe there’s 50-60 cottages, so at full capacity there’s only ~100-120ish people there. Food was excellent for an all inclusive, beach was great, water was crystal clear, great snorkeling, two infinity pools, plenty of options for excursions if that’s up your alley as well. It’s pricey, which could be an obstacle with a larger group if you have some people unwilling to pony up. I’ve been to the Hyatt Ziva/Zilara Cancun, Paradisus in Punta Cana, and La Concha in San Juan and it blew all of them out of the water, but it absolutely depends what you’re looking for.

You can fly direct to ANU from JFK via AA or JetBlue. There’s also a very nice priority pass lounge in the ANU airport which is great.

1

u/Aapudding Dec 25 '21

How do I stay there on points?

1

u/BleedBlue__ Dec 25 '21

Not doable unless you pay yourself back on Chase which is generally poor value . This post was asking about a cash booking which is why I commented about Cocobay

1

u/Aapudding Dec 25 '21

Bummer thanks. I find Hyatt zilara Cancun to be quality so if this blow it away maybe I should pull the trigger. I wonder how it all compares to Calala Island though.

2

u/OccamsVirus MSY, EWR Dec 21 '21 edited Dec 21 '21

Thanks for your thoughtful answer and congrats on your engagement.

3

u/Jacob0050 Dec 20 '21

Hyatt only becuase if you're getting hella points I think their are worth the most and Hilton if you have a Aspire as paid stays can really rack in the points with Hilton if you play your hand right

1

u/OccamsVirus MSY, EWR Dec 20 '21 edited Dec 20 '21

Yeah - this is gonna be approximately $6000 and I have Hyatt explorist so a Ziva/Zilara could earn 36,000 unfortunately I don't have any Hyatt cards. [Edit: With their bonus promo it would likely be an additional 16,176)]

With Hilton Diamond something like Hilton Rose Hall could earn 120,000 plus 72,000 if I put it on my Hilton Biz card. There's also the Hotels.com rewards program if we want to stay at a smaller/non-brand resort - that would be ~$600 back although having it all tied to one reward cert would suck.

But none of that is enough to sway me - it's all gravy. I'm just having a hard time picking between places. They all look pretty good.

6

u/GiraffeGlove SFO, 3/24 Dec 20 '21

Informed delivery showing 4 separate letters addressed to me from DELTA AIRLINES, I wonder what these are about.

1

u/bwoahleavemealone Dec 23 '21

I see similar ones in the mail today but I'm out of the country for another month. Do you mind redacting personal information and sharing an image of the letter? Thanks!

3

u/GiraffeGlove SFO, 3/24 Dec 23 '21

Here's a scan of the letter. Details, including dates might be slightly different on yours.

6

u/backofthenet1 Dec 20 '21

Unclaimed property possibly. I received a stack a while back from Delta about unused giftcards.

6

u/GiraffeGlove SFO, 3/24 Dec 20 '21

This is exactly what they are. 4x $50 gcs from 2018. I'm in CA, I wonder what happens if they do go to the state, would I get that value in cash?

2

u/backofthenet1 Dec 21 '21

Mine were turned over to my state but are not showing up on the unclaimed property site yet. It's been a few months, hoping it's cash when I go to claim.

3

u/trilogy-09 Dec 20 '21

Do you live in CA? I have some unused GC that I would love to get the cash equivalent for but I don’t live in CA.

13

u/swatchesandwatchesOH Dec 20 '21

You can get a free month of Paramount + with code: AFTERSHOW

IIRC, these codes usually work for new and existing subscribers. A nice free month for anyone who wants to watch a show/movie on Paramount +

3

u/Very_Sadly_True PIE, BOI Dec 20 '21

Yarr matey ☠️🏴‍☠️

3

u/Eurynom0s LAX Dec 20 '21 edited Dec 20 '21

DoC has a page with the free codes that gets updated regularly. They drop frequently enough that you should be able to get a free month every month.

[edit] You have to wait for your current subscription to expire before you can put in the next code. Also I'd recommend waiting until the next day to cancel, one time I tried canceling right after finishing applying the code and my subscription was only valid for 24 hours or until the next day or something like that.

6

u/ProverbialFunk Dec 20 '21

Great for catchign the new South Park specials =)

3

u/BleedBlue__ Dec 20 '21

Going to the Maldives from the east coast…is 8 nights/ 9 days enough given then amount of time it takes to get there, or would you suggest staying longer?

2

u/crowd79 MQT Dec 20 '21

That does not seem like very long depending on how many flights it takes to get there and back (layovers and such could add up to 4 days) and the time change is massive. Give your body time to acclimate to the huge time zone difference.

1

u/BleedBlue__ Dec 20 '21

It’s 8 nights/9 days at the resort, that doesn’t include the 3 days of travel. So it’s 12 days total

3

u/OrangePartyLamp PLT, MAN Dec 20 '21

Same resort? I got a bit bored after day 5 (week stay)

3

u/BleedBlue__ Dec 20 '21

Yeah same resort, we’re very much sit on a beach for 9 hours a day people and we’re perfectly happy

4

u/OrangePartyLamp PLT, MAN Dec 20 '21

"You do you" has never done me wrong :)

-3

u/planesurf MIA, HNL Dec 20 '21 edited Dec 20 '21

Yes

Edit: no?

7

u/stillwaters23 LAX, SFO Dec 20 '21

If you’re doing it right, getting there and back is part of the fun.

4

u/BleedBlue__ Dec 20 '21

Qsuites there and back

2

u/skeeter2112 Dec 21 '21

It’s such a great experience. If you can, upgrade to F lounge , we did that in lieu of oryx hotel for layover, got a private room no problem, and the service was unreal.

6

u/POINTSmetotheMILES Dec 20 '21

More than enough