- Tough mudder yesterday was great. It was on the easier side (only 8 miles), but I saw a few new obstacles and got the pink headband. Awesome to do it with Eric. Plantar fasciitis did surprisingly ok.
- Fogo de chao. Prime rib and filet were good, as always. Beef rib, sirloin, new york, pork rib, picanha, chicken – everything else just can’t compare to the smoker.
- Cal lost to the ducks, warriors lost to the lakers (pregame).
- Watched the comain and main for ufc 243. Dan hooker is awesome. Adesanya looked fantastic but is annoying as hell. Too cocky and had one of the dumbest walkouts I’ve ever seen. Tried to make it a choreogrpahed performance like WWE and boxing. Gtsoh.
- Supercontest
- Entering the python shell is not resource-cheap. It creates an entirely new instance of the app. Not with a server, but will all the other frills; apscheduler, etc.
- Submitted late picks for Cam, Wes, Raj, Jesse Thompson, Ben Yezer, and Phil Twist.
- Credit card research.
- BoA preferred rewards offers 5.25/3.5/1.75, which is pretty damn good but you have to have 100k+ in your combined BoA/Merrill accounts. Otherwise it’s 3/2/1. If you have that much sitting in your account, then you can gain a lot more by moving it somewhere with higher growth rather than reaping higher cashback.
- While looking at NEW cards, I saw that there’s a better version of my old card. This is a ridiculous mistake. I’ve had an Amazon Rewards card since July 2013, which earns 3% back on Amazon. If you have Prime, which I do, you can upgrade to the Amazon Prime Rewards card, which gets 5% back. It did not automatically upgrade me, and I never noticed. I exported an order report, and I have spent $30,000 since July 2013 on Amazon. I missed $600 free dollars by not clicking the button. Chase will ship a new card automatically, even if the upgrade was done on amazon.com (I called Chase to confirm).
- Made my last payment on AmEx Platinum Delta Skymiles, will cancel in the next couple days. I no longer do business with Delta. The miles won’t expire as long as I maintain my Delta account; the amex card is not necessary. I can finish off the remaining ~135k miles whenever I want, as well as the buddy pass this year.
- Looking for purely cash back. Gas is easy with the motorcycle. Not a big traveler, don’t need air/hotel. Already a bomb chef, don’t need restaurant rewards.
- Chase ultimate rewards program is good for certain use cases. You can regard all “points” as basically 1% cashback, with some variation. In reality, a point can be anywhere from 0.8 to 1.5 cents, and can change based on what you’re redeeming them for as well. The most common use case is for travel, where you can get 1.25-1.5x the value of your points. You can also share points between cards, which is useful for people with business cards – they can use the points earned on work trips toward their personal rewards program. It’s only raw chase cards – cobranded cards (like my amazon) don’t share. Because of this, and the de-emphasis on travel, I don’t need a card in the chase ultimate program in particular.
- Cashback-focal cards with no annual fee and no rotating schedule:
- Citi double cash. 2%.
- HSBC cash rewards mastercard. 1.5%. $150 bonus once if you spend 10k in first year.
- Paypal cashback mastercard. 2%.
- Capital one quicksilver cash rewards. 1.5%. $150 bonus once if you spend 0.5k in first 3 months.
- Chase freedom unlimited. 1.5%. $300 bonus if you spend 20k in first year.
- (Chase freedom doesn’t count because they rotate categories, which I don’t need).
- Amex cash magnet. 1.5%. $150 bonus once if you spend 1k in the first 3 months.
- Decided to go with citi double cash. Highest basic cashback. I already have visa through my amazon prime rewards card, and this one is mastercard. Applied and accepted.
- Common, boring mistakes: https://medium.com/signal-v-noise/the-4-questions-you-should-stop-asking-during-your-one-on-one-meetings-ed7431da11aa.
- Cool NFL data of score combo possibilities: https://nflscorigami.com/.