Hearted Youtube comments on Jake Broe (@JakeBroe) channel.
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A Russian wife turned to her husband and asked...
"What's this special military operation our glorious leader keeps talking about?"
Her husband replied, "It's a proxy war between Russia and NATO."
"Oh, right. How's it going?"
"Well," he replied, "so far we've lost 200,000 soldiers, 4,000 tanks, 500 aircraft, numerous helicopters, loads of armoured vehicles and artillery pieces along with our 'flag ship'."
"Wow! What about NATO?"
"They haven't turned up yet."
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A Russian wife turned to her husband and asked, "What's this special military operation our glorious leader keeps talking about?" Her husband replied, "It's a war to stop America and NATO." "Oh, right” she says “How's it going?"
“Well” he replied “so far we have lost over 20 generals, 100,000 troops killed, countless injured, 3000 tanks, 300 aircraft, hundreds of helicopters, countless armoured vehicles, artillery and trucks, our flagship along with other naval ships, our army is being defeated in most areas and we have had to resort to conscripting 500,000 Russians including murders and rapists to replace our losses”.
“Wow” replied the wife “what about America and NATO”?
“They haven’t turned up yet”
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About Poland; I travelled to Poland during the first week of the invasion, delivering a load of support goods for the Ukrainian refugees. I delivered them in a small town on the Ukraine border, where scores of Polish volunteers were running a collection centre. 'Running' is the correct word, they were exhausted, but still literally running to receive people like me, collect, sort, store and send on the goods they received.
For the Polish people it is not just their government supporting Ukraine, it is personal, a personal sacrifice of time, energy, creativity ... for me it was a lesson in humility and respect.
I don't think any nation is standing with Ukraine like the Polish people are.
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1) 3,700 ATACMS were produced and a few hundred were sold to allies and 400 were used in war and testing so the number in the inventory is larger than 1,000, likely above 2,000 available given usage and limited sales to allies, with South Korea being the largest purchaser at 221.
2) The 500km range ATACMS replacement, PrSM became operational this year, future PrSM versions should have a range longer than 1,000km.
3) Despite being out of production, Australia has 10 ATACMS on order, Estonia has 18, Lithuania has 18, Morocco 40, and Tawain 64 ATACMS. So the US is busy selling off its current inventory of ATACMS with the PrSM becoming available in quantity this year.
4) Given the ramp-up PrSM and the ongoing sale of about 150 ATACMS from existing stocks to US allies ATACMS likely has much greater availability than Stormshadow of which Britain and France had 1,700 at most in their inventories and no replacement in the near future.
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I am German, still, and as such I thank you for every single word on this - not only in content, but as well in tonality.
I even like to say, that you have been unnecessarily polite.
Your "conspiratorial" explanation seems to me as well being the only one that can explain this.
I am so glad that there is someone else who confirms me, that I am not the only one with such a conclusion.
I have already been writing to politician's contact platforms, that there now needs to be a closer look on this.
Is there something like a "peepee-tape"?
A good thing about democracy and functional networks and organizations is, that they are the only way, that such a historic and potentially disastrous failure as that of Germany now, can get counterbalanced. There are others, that step in, there are others, that take over, there are others, that have an eye on that.
And exactly that has to happen now within Germany.
Scholz and his closest circle screwed up.
Period.
They betrayed everything possible, not at least future generations and our western values and way of life.
There is anyway now way that Scholz and his closest can get back on track.
And they don't have the power to take the country down with them.
Germany has to proceed - without them.
The other two coalition parties so far publicly have said the right things and according their statements stand for the right thing.
Let's hope, they haven't been in these hotels...
Remember: This issue is the single most important one right now.
Everything else is secondary as with a RuZZia suppressing Europe anyway dusted.
There might be a couple of turbulent months to come for Germany, the EU and NATO. Right according Putin's plan.
But again democracy and functional organizations can handle that and even excel with such.
Only for Ukraine things might come too late.
Litterally - some "peepee-tapes" might have lead to Ukrainians loosing their country and their freedom.
I am fuming.
We have an agenda now!
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I graduated in October 2020.
Some additional info before attending OTS: be able to pass the PT test with a 85 or higher, learn how to march and call cadence loudly the Air Force way (try to sound like a MTI), complete ALL CBTs (btw the PDF study guide was useless), come with 2 pairs of comfortable boots (you might get rained on), take a peek at the OTSMAN, learn how to shoot and clear a pistol, learn how to use a lensatic compass (just basics), buy enough clothing to last you 5 days (underwear, coyote shirts, socks, 3 pairs of OCP blouses and trousers), working gloves (color does not matter), mouthpiece for sparring, OCP hat with rank already sewn on, green duffle bag, 2 months worth of Q-tips, elderberries (Garden of Life), ibuprofen, allergy ointment, erasable pens, small notepads, 2 rolls toilet paper, printer and ink (if you have space), beet supplement for PT, black watch cap, towel (you can hang it on the bed frame), and your own PILLOW.
For the academic assessments only study the Samples of Behavior (SOBs). For the 3 "papers" follow the PowerPoint directions carefully. There should be a PowerPoint with audio available, though you might have to click on the hyperlink within the calendar. Memorize the POW Code of Conduct. Try to sleep around 9pm or no later than 9:30pm. The MTIs will not come to see if you sleep right at 10pm. Come together as a flight and you will be alright.
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Hi Jake,
One of your listeners from Hungary.
Thank you for your incredibly great support for Ukraine.
When I hear your first line of “Welcome back my friends…” in the evening, I know we will be just fine.
Ukrainians just want to live free and in peace. And when this horrible barbaric aggression is unleashed upon them, they need to know they can count on the support of every freedom loving people of the world. Because they needed it now badly. Thank you for your support.
BTW, I am living just outside Budapest in a new housing area. The Pine Trees in my garden are lit up with X-mas twinkly lights, just like as it is in most of the neighbours’ gardens. Their garden pine trees and/or their roofs of their houses are all decorated with nice X-mas lights. And they are plugged in into live power sockets – not to bikes. Actually, at least 8 out of 10 new homes popping up around our house are equipped with air-liquid Heat Pumps to heat our homes. Plus, normally they come together with a rooftop PV unit to provide renewable energy for driving the Heat Pump plus the rest of the house. I have also just installed my new Heat Pump too, so, within weeks I will stop buying Russian gas also. This Heat Pump + a not too big PV station for an average nice house cost app. EUR 10-20k all in and the government program (largely from EU money) subsidizes 50% of these installations. So, to turn our homes completely energy neutral cost around 10k. And no more Russian gas is needed for the rest of our life. We will be just fine without it.
Slava Ukraine. Slava to the heroes of Ukraine! I salute you.
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Thank you, Jake. The end of the video almost brings a tear to a glass eye every time. We, who know Ukraine, know how the spirit of the people is what makes them unique in this part of the World. I think that when the war is over, you are bound to become a National treasure there, for your tireless work in reporting honestly, fairly, and, responsibly. Keep up the exceptional work until victory in totality arrives in Ukraine. Ukrainians are among the very best people I've had the pleasure to work with throughout my life, and the light you shine on the normal folk, who just want a peaceful and free life is priceless.
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Thank you, Jake. And a big THANK YOU to Germany, Finland, the Chech Republic, and The Netherlands for all you have contributed in the battle for Democracy and the battle to save Ukrainian lives! Thank you so much, Netherlands, for the F-16s. I don't know what their monetary value is, but to Ukranians, they're priceless right now. May they save thousands upon thousands of Ukranian lives, Ukranian infrastructure, and Historical Ukranian Landmarks and Buildings!
SLAVA UKRAINI!! 🔱 💙🇺🇦💛
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It is a pretty small matter, but I sincerely hope Bakmut manages to withstand the entire war without falling. It would amuse me infinitely if Russia never takes the city. And I can imagine it happening. In a year or so when Russia capitulates, Bakmut having withstood the entire war without falling, becomes a new military legend, like the Alamo was for us in America, I am sure there are plenty of famous sieges in Europe. Cities that become cultural touchstones, one of those stories that echos throughout history as a stark reminder of Russian war crimes and incompetence.
Edit: holy shit, the price cap finally got announced?! I have every confidence that this is going to seriously harm the Russian budget. I tip my hat to Poland, who had so much to do with getting this very low price. Last I heard, the rest of Europe was wanting something like 70$, so for Poland to get it down to 60$ is really amazing.
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Best. Day. Ever. Thank you Jake for your report. I am relieved today for good friends in Kherson who survived 9 months of occupation. They are all kind, good people. I used to be so touched by how they would ask me about the US, and i came to understand that young people in Ukraine harbored a very deep desired for democracy, a functioning society, a bright future after centuries of oppression. They believed in this. The Maidan happened, the years of war passed until now. I would not have known these people were heroes until this occupation and all that has happened. I am so proud of the Armed Forces of Ukraine, but these ordinary Khersonians are really heroes. I had tears of joy watching the reels on social media today. If you look at the first days of occupation in Kherson, thousands of people were on the streets, standing in front of tanks, protesting from the first moment. The reel of the babushka telling the Russian soldier to put sunflowers in his pocket because he is about to become fertilizer: that was Kherson. The guy with the huge Ukrainian flag riding on top of the Russian tank; that was Kherson. The occupying soldiers began looting shops, at night they broke down apartment doors and looted and raped at gunpoint. Atrocities we have not yet counted, abductions, torture. The demonstrators faced live fire. Serious underground resistance formed, painting at night in blue and yellow, tying yellow ribbons, each one telling each other to hold on. Thousands of cell phones sent detailed targeting info to the UA armed forces, lives risked every hour. The resistance killed government officials with car bombs, but also their bare hands. Glory to Kherson, city that resisted. Kherson, a city of heroes.
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Very good job Jake, well done. Glory to Ukraine forever, because they so deserve it. I am Canadian, but grew up in Romania under Ceausescu's dictatorship. It is hard to put in words how all was. But I was lucky enough to see communism collapsing. After the Romanian Revolution we had the chance to learn the real history, and to see all the crimes done by russians after ww2. It will be a good thing if you can do a small remainder about their crimes, deportations, lootings, and so on. Of what I know, for what they did, all Eastern Europeans have some bad feelings about russia. What we see now is normal, considering what they did in the past. It's a lot to say. They left behind tens of millions of crimes, recorded all. Thanks. And I would like to add the thing that the counteroffensive right now is at the beginning, and all beginning is slow, that is known from history. It will go faster, in time, but right now there are many problems with landmines, traps, Zaporizia, and so on.
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Thank you, Jake, for the update. But with having to report things like this, please don't let yourself become one of this wars casualties. It is extremely difficult a lot of the times, it is horrendous, BUT it does have bright moments that you share at the end of your videos showing the resilience of the Ukrainian people. You have to see and hear of it to believe it. Prayers are with the soldiers, their mothers, fathers, wives, children, and you. Slava Ukraini!!♥♥
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Hi Jake! Your channel, along with Danys Davydov's and Artur Rehi's (and I hope there are many others) are giving me hope, that in the end, after the unconditional victory of Ukrainians, the true narrative for Russia's disastrous invasion of Ukraine will spread and prevail everywhere in the world. I'm hungarian, ...Yes, ...I know. ...and I'm deeply ashamed of Hungary's government's standpoint. I can only despise the decisions, and statements this governmet and the dictator of a prime minister with his disgusting greed for power has made, especially concerning the War. I have not one friend here in Budapest, who thinks otherwise. I just wanted You and your followers, your commuity to know, that in reality, it is very likely that the hungarian gonvernment's attitude is representing rather a minority group. ...but the brainwashing machine, that is similar to the russian one works unfortunately perfectly well, even here, in a country where the Sovietunion has done nothing except spreading poverty, stupidity, and terror, ...killing and deporting people during the 20th century. And now, we have a government happily applauding to the same soviet stinking stalinist bullshit. Allways on the wrong side, ... As if we had forgotten, that the sentiment of the '56 revolution in Hungary was not different from that in Ukraine right now. The difference was, they already had their puppet governemt installed and we wanted to get rid of them. We wanted the same: support from the west and freedom. All this is so insane. As I said, there are many hungarians who think likewise, but there is not enough information about what would be the best way to support the survival of ukrainian soldiers and citizens. I've been helping and donating a lot, but I don't know how effectively I did this. Suggestions are welcome! Jake, thanks a lot for your content and keep up the the great work!
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This is a poem written in 1839 by Ukraine’s Bard, Taras Shevchenko at age 25 from St. Petersburg where he had been a serf from boyhood:
Смійся, лютий враже,
Та не дуже, бо все гине,-
Слава не поляже,
Не поляже, а розкаже,
Що діялось в світі,
Чия правда, чия кривда,
І чиї ми діти.
Наша дума, наша пісня
Не вмре, не загине...
От де, люде, наша слава,
Слава України!
As translated by Peter Fedynsky:
Go ahead and laugh, fierce foe!
Just not too much, for all things pass –
Glory will not perish;
It won’t perish, but will tell
What happened in this world,
Of justice and injustice
And whose children we remain.
Our idea and our song
Will neither die nor perish…
And that, good people, is our glory,
The glory of Ukraine!
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Wow! Jake I have been a fan of your channel for almost a year. Never thought you actually know so much historical backgrounds between China and Russia. Just some additional fun facts, 1: You don't see Vladivostok, Khabarovsk, Ussuriysk, Blagoveshchensk or Sakhalin island in Chinese official maps, as it is illegal to use these Russian city or island names. In fact they are marked as"海参崴“ “伯力” “双城子” “海兰泡” “库页岛”.
Fun fact 2: In 2020, Russian Embassy in China posted a weibo (Chinese Twitter) celebrating the 160th founding anniversary of Vladivostok, and mentioned Vladivostok means "Conquer the East" in Russian. This weibo quickly went viral in Chinese social media, and Chinese were furious with this provocative weibo posted by the Russian. Majority of the discussions were later deleted by officials due to Chinese censorship systems, but we will never forget the debt that Russian own us.
Fun fact 3: China and the US used to be close allies, we fought against the fascist regime together. Today, 75th Ranger Regiment's still puts the National emblem of the Republic of China on its distinctive unit insignia, in order to commemorate its joint combat history with the Chinese Expeditionary Force in Burma during WW2.
I don't know what will happen when the evil Chinese communist regime falls one day. But I hope China and the US will never have to go to the war in the future. This communist regime kidnaped the Chinese people and things should be done to correct it.
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Usually I agree with Jake, but for this one I have a different viewpoint.
The biggest reason for target date funds is for their glide path, or basically to slowing shift from stocks to bonds. This should align with your risk tolerance/ retirement.
Two points:
1. It does not always keep selling stocks to buy bonds. If the stock market is down, say in 2008, it will actually buy more stocks (when it's on sale) to keep with your asset allocation.
2. I understand the buy and hold, but when you're in retirement, majority of folks will most likely be selling to fund their retirement. it's hard for folks to have 100% in stocks. There should be some stability, and bonds give that. Therefore, in retirement, you should have some percentage of your portfolio in something stable like bonds depending on your risk tolerance, and a target date fund is a method to get there.
Still though, love the video and keep up the great work!
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Awesome report, today. You seem to have identified the relevant events, and covered the angles, quite nicely. You help me to appreciate some of the cracks that will be developing in Russian society, when the dying begins in Ukraine, this summer. If Russia's smart they will sue for peace while they are ahead. They will lose the Donbas, but they might actually get the Ukrainians to accept their ownership of Crimea with guaranties of water availability. It would be a humiliation, but nothing compared to what's coming if I'm right. With lend lease now in place, I figure the Ukrainians could pretty much have their own navy to replace Russia's once it's been sunk. Having eyes in the sky, a dozen heavily armed smaller craft might be sufficient to open Odessa for business. The Russian submarines could be a challenge, but they can be hunted down.
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So you're saying for Harry Potter, Lord of The Rings, DC (movies + animation), Crunchyroll (Anime for days), The Whole fricken catalogue of HBO series, Adult Swim (Rick and morty), Old Warner Bros TV shows (Friends), Warner Bros Animations (Looney Tunes), Studio Ghibli (Spirited Away, Princess Mononoke and other legendary animated movies) and movies from other studios like Ford v Ferrari etc. I have to pay around 15 dollars, Hell yeah I will get it.
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6:43 Seem like your premise is that most people don't use the points correctly and even when they do, they are losing out on the opportunity cost when spending it on 'luxury' travel. I travel a lot for work and I havent purchased a plane ticket in almost 2 years. I don't redeem for aspirational trips or anything... just use it for plane tickets (coach), travel protections, lounge access, travel delay insurance (my favorite), extended warranties, travel credits, free global entry, elevated status for car rentals and hotels, the works. Churner hobbyist use EVERY PERK to make up the annual fee PLUS SOME. Credit card companies are counting on the majority of people not using the perks and leaving a balance on the cards.
Regardless, this video is getting pushed out to your non-audience, so congrats, it may pick up some steam!
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Jake , YOU DO A FUCKING AMAZING JOB! And Hand on heart here , I Truly Truly Trust Your opinion, And Love That you have the courage to speak up when things look bleak
NO ONE!! No one else is talking about this ,, I Learned so fucking much and with this i can not tell others and i will and I do daily at every chance i get and
What I Love about you most Jake is Your Moral Compass it ALWAYS points to True North. You sick by what is right NO Matter what even when you will lose sub's , NO One does that
I Can Not Thank You enough my friend i Really cant , And ill Always be here for as long as You are , One day this war will be Over Ukraine will win here in the EU we will not allow Russia to win & if the worst happens we Will Not Let Ukraine Down, Fact! We just wont
It would be a huge blow if the sates does & will make America look Really weak as in well they back out after 2 years & they are not even fighting , Let's go get Taiwan, And to Iran & Bolden North Korea to try make moves too, IMO it will & Could lead end up leading to a much larger global conflict
And anyone with a Brain can see that , We here in Ireland The UK And All Europe Look to America as the Pillar of Democracy
One day This will all be over RU will have Lost, And Things Change Family's Kids life etc , So I make the most out of Every Single Video you make, I wait up here its 12:30 Am here in Ireland for YOUR updates i Value You so so Much.
Just Thank You for The TRUTH and we are ALL Ment to get it & all the Hard work you do , And i know you wont stop till Ukraine get's it's Victory. Just thank You so Much brother! You are a Good man That ALWAYS does the Right thing
And That's one Reason why I'm such a Huge Fan!
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Hi Jake ! I just want to Express my gratitude for your work ! I watch all of your videos (in this format ,and sometimes even some longer ones too .) ,and I really love doing it, your actually my favourite Youtuber, even befor Ryan aka UFO Jesus himself 😂. Since Trump has been elected (after havin Obama) I was so baffled ,that I had to watch what is going on in the United states , I still don't understand 😅. But I know it's affecting the whole world. I'm not surprised by your many international followers.
Keep up your good work. You're not alone in feeling exhausted by the thugs 😏! I feel better after watching you, a normal decent person, hoping for the best, just as we all do .
Bonjour de France l'ami ✌😉👍🇫🇷
Slava Ukraïni, heroïam slava 🇺🇦
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This is an important time to stand fast and look forward towards ending this war successfully. Yes, this war has become tiresome, and while they are people who are doubting, dithering and suggesting some compromise solution, and giving up territory for peace, this is not an option that makes any sense in the long term, and I am always so impressed by Zelenskyy projecting confidence, and promoting continuation of the fight, and not giving in to Russian terrorism and blackmail of the whole world. More people, including myself, are strongly supporting the brave Ukrainian president and continuing the ongoing humanitarian and military aid.
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I'm retiring this summer after nearly 34 years at the USPS. Up until about 18 months ago I was 100% in the C-Fund.
When 1987, 2000-2002, and 2008 hit, I had a strategy in place that never failed me. The strategy? I simply stayed put and never opened my statements. In the back of my mind I knew I was taking a beating but never actually saw it with my own eyes.
Last September I hit $1,000,000 in my TSP. Since my wife is in a similar situation with her 401K, and with an 11 year Bull market, we've finally decided to pull back and missed at least some of this fantastic rally of 2019.
I'll never be "all in" again, but when the Bears come knocking, we'll take advantage of the situation.
As the saying goes "past gains do not guarantee future results", but the strategy has served me well. I listen to people, who started working about the same time that I did, bragging about having $200,000 to $300,000 in their TSP's.
I don't say a thing. I'm just happy that I listened to this type of advice 30+ years ago and stayed the course.
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Jake, I don't know if you will ever read this comment but, did you realize how many soldiers Russia lost ?
Is just did some research...
Russia now lost MORE soldiers than:
-Soviet Afghanistan war
(Soviet+Afghanistan allies)
-The West's Afghanistan War on terrorism, ISAF, etc.
Including the Afghanistan allies and the whole time we were in Afghanistan.
-1. Chechnya War
-2. Chechnya war
-the 2014 Donbas and Crimea Invasion
-The Gulf War, Iraq - Kuwait, Desert Schield/desert Storm
(US+Kuwaiti Losses)
-the 2003 Iraq war including the whole time of the occupation and the whole time someone from us was present there
(All western losses, Iraqi Allies, UN personel, etc)
-the Kosovo war
(Nato+ allied nations and rebel force losses including the whole mission KFOR + the current NATO Mission)
-Korean war
(US+UN personel losses)
-Vietnam war
(US losses)
-bombing of the USS Cole
-attack on the USS Stark
-the 1983 Beirut Barracks Bombing
-Dar es salaam/Nairobi Embassy Bombings
-Oklahoma City Bombing
-Lockerbie/Pan Am flight 103
- Pearl Harbor
-And 9/11
COMBINED...🙈
Feel free to correct me, but if those numbers are at least close, in what world is THAT called 'everything is going according to Plan' ?? 🙈😂
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For the most part, HBO Max is for the older crowd and Disney+ is for the younger crowd. Granted, both streaming services have things for kids and Adults to enjoy, but for the most part, each is going to appeal to a different crowd. My setup is Netflix, Prime Video (because I have prime), and going to be HBO Max. I'm not worried about Disney+. I like Marvel movies, but not enough to where I want to get Disney+. HBO Max and Netflix is all the the tv shows and they both have a lot. A lot of people think Netflix is going down...that's not going to be the case. People all around the world can access Netflix. The same can't be said about Hulu, HBO Now, and Disney+. Disney+ will eventually be available worldwide, but not the other ones. Netflix is my core and always will be. Everything else is just an add-on. HBO Max looks promising. I'm going to wait on the initial rollout...let them work the bugs out. Not trying to have it freeze up on me at launch.
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Thank YOUUU 🎉😊
I have something I always see as wrong or unfactual or not right almost always. Not here. It just makes sense and you're honest, no picking any side, no agenda, just what is right. I don't understand why so many people have voting agendas. I don't understand agendas at all, if we all, even if most of us, did what we felt was right, if we had any sense of integrity, many of our problems would cease to exist.
You're a fun genius (just like pugsley dressing as uncle fester😂).
On a serious note, I've been watching older videos of yours recently. You're the perfect balance of professional and fun to keep me interested. All the while, I never have an issue trusting you or your information.
Legend. You're just nearing legend status. 🎉 cheers 🎉
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Thanks Jake, your continued support for Ukraine and making and uploading these videos help us all keep going. Along with Brandon, Artur, Merc, Juzzie and others you keep the focus on this amazing country in Eastern Europe which deserves to survive, prosper, and become part of the EU and NATO. It's people are amazingly brave, inventive, resourceful, patriotic, defiant under the greatest of adversity, and unyielding, attributes worthy of respect from any country with decent values. Unfortunate then for them to be so badly betrayed and let down by many politicians, especially the fanatical Maga freaks in the US (Johnson, founder of the 'Honor and Civility Caucus', how stunningly ironic). We won't stop watching, listening, contacting our political representatives and, when financially able, I'm sure a lot of us will try to donate to those reputable pro-Ukraine individuals who will get help directly to those who need it most over there. 💙💛🔱🌻 Slava Ukraini!
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Hi Jake, from a tiny bit of a tiny island in Northern Europe 🏴 As ever, thank you for your videos, which are generally the last thing I watch before beddy byes.
It's Winter here, which means cold and damp - enemies of the disabled, so comments from me will slow down a little - takes quite a bit of effort to write and post them! But I had to.
As for the main gist of your vid: We MUST support Ukraine. We MUST NOT stop supporting Ukraine until invaders have gone. Luke Coffey was bang on.
But regarding your ending "feel good clip" - (okay, I admit, by your end speech I'm a little teary eyed. It MUST only be my meds, it's not like I'm crying or anything. But those Surgeons who have gone to Kyiv to help with facial reconstruction? Goddess Bless and Protect those men. ❤ I'm proud as fuck of these gentlemen, and they're not even from MY country! I find selfless acts of this nature punch me right in the soul-ar plexus. This goes for all volunteers in the International Brigades. If I could drop 30 years and all my disabilities and medical conditions, well, I'd be proud to stand with these fine men and women, and those of the regular AFU. Dammit Jake, you add these clips to cause water to leak out of my eyes!
Aside from the joke there, I'm also very proud of YOU. What you do, of your own free will, is provide us with news we can rely on. Of course, there are a couple more channels in my media basket, but you are my Late Night War Roundup With Jake. I'm so grateful for what you do, the care you take, the amount of work you put in for us, your viewers. We need you. Please keep doing what you're doing. It means a lot to this Crippled Celt!
As always:
Героям слава.
Слава Захисникам.
Слава Народу.
Слава Україні!!
❤️🇺🇦❤️🏴❤️🇺🇦❤️🏴👍👍
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I agree with Jake.
I'll be dropping my Amex Gold next month. The problems:
- The $100 airline fee credit is close to worthless for me. I can't use it for gift cards. I get free bags based on status, anyway, and upgrading your seat doesn't trigger it. I think that I might be able to trigger it with drinks at the SkyClub or on board but I'm not getting hammered when I fly.
- The $120/yr food credit has been that thing that I have to remember to use each month. I actually have a reminder set for it. I use it for GrubHub and it's something I never used before and once I get rid of the Gold I'll probably use if very rarely. After the food, plus the delivery fee, plus the tip, etc. It takes $10 off which amounts to: You get to buy the food and pay a little for delivery. Of course, you could just go pick up the food but this is already kind of a hassle to use... It also seems dumb to give someone $10 back on a meal at a rather expensive place (Ruth's Chris or Cheesecake Factory).. It's like you just dropped a couple of bills on dinner somewhere and Amex says, "Here! Have $10.. Now go repeat this 11 more times this year!" If you're accustomed to eating at such places the $10 won't matter to you. If you're not, then you're probably not going to eat at them once a month, and then that takes you back to GrubHub.
The 4x back on dining and grocery stores is good. The airline fee reimbursement could work well for someone who only travels 2-3X/year. The $10 dining credit would really be geared toward the millennial types who order from GrubHub and then go pick it up. For that kind of person, though, it seems like the Amex MR points would be rather worthless. So it's kind of an odd fit to me.
The Amex Platinum has a similar problem for me. You get 5X back on airline spend. That's really good. You get lounge access in many airports based upon the various providers. If those things are important, though, you're probably flying enough to where the status matters more than the 5X back and you probably have lounge access through your status or another card. The Amex Platinum gets you Gold status at Marriott and Hilton but, again, if you're traveling enough for that to matter, you probably already have that or higher. My Platinum goes away after the Gold. I haven't used it in a year.
With the Platinum you have the same problem getting back the, now $200, airline fees plus you get $15/mo credit on Uber (and an extra $20 credit in December) which is nice but, again for me, it's very much a forced-spend sort of thing. I may take Uber once in a while but now I have to take it once a month to get that money back. Again, this sort of credit would make sense for a millennial but a millennial probably wouldn't burn through the $200 airline fee credits and wouldn't have much use for 5X back on airline spend. Again, the fee reimbursements seem like an odd fit.
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Salute! Slava Ukraine! Until Victory. Y'know, I always say, Free Tibet here and on pro Ukraine YT shows. Some folk take it as off topic. Well, today is Tibetan Uprising Day, the 65th anniversary of the PRC facing Tibetans who said, "Get out of our land, you creepy invaders." The PRC murdered over1.6 million Tibetans, turned hundreds of thousands into refugees., tortured, raped, and destroyed. This was the first naked imperialism after WW2. It was with Stalin's blessing, which Mao sought. The U.S. almost blocked it, but a twist of fate led to horror. Tibet still struggles for freedom, as the hundred of Tibetans who light themselves on fire indicate, and the artists and people who bravely still strive to keep their language and culture alive in the face of oppression. The PRC jailed half of Tibetan men, to make them felons, and take them out of society, as they settle six million and more Han Chinese to colonize. Today is Tibetan Uprising Day, and Tibet will be free. Ukraine will be free, let's support them and never let it become a drawn out horror like Tibet endure. The RF and the PRC , Iran and N. Korea will lose. Decent humans simply need to stand together. Free China. Free Russia. Free Iran. Free Tibet, the world, and STAND WITH UKRAINE NOW
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Jake, this was very eye-opening. I completely agree that self-censorship is the most serious kind, partly because it's so hard to avoid. (I don't know the technology, but if Patreon allows you to avoid this algorithm, as someone suggested, then please shift to that - or do this here on youtube and have a link to some other location (if that's possible). Again, I don't understand how it works.) I do hope you will resist the natural impulse to self-censor to avoid the censors: I like this channel, it's in my top three, because it's comprehensive, intelligent, and addresses the reality of the war. If I wanted saccharine coverage, false consciousness, and zero content, I would watch mainstream news. So resist! And meanwhile I will play yesterday's video start to finish (although I already did).
Also, if the censors get you down, do a fundraiser for yourself: if public radio can do it, why not you? While trying to make a living, you are ALSO doing a public service. Wish I could say the same about my job.
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I like your analysis I only disagree with 3 points:
1 Several democrats have said that since Latinos tend to vote democrat increasing immigration and replacing the "European" population helps them win elections and always quote California that used to be VERY republican as an example of how to achieve more power, even if they move to already democrat states that still helps them get more sits.
2 I fully agree with the case that japan is not an example to follow since racism is rampant over there (I have also lived with and amongst Asians), but saying that the only way to "save" your economy is to bring so many immigrants is a fallacy, you could try to halt the immigration for a few decades let the existing population integrate into society and then just keep and even amount of people in the country, you could try to help the local people have more kids, and so on.... it is not DOOM or ENDLESS INMIGRATION... there are other alternatives.
3 Local populations are perfectly entitle to not want to have their culture and country change, it is not automatic racism, every people on earth have the rights to protect their native culture, I would not go to "insert generic Muslim country" and start talking about gay and women rights, I would not go to Japan and start preaching them about how they should change their entire society to adopt immigrants, so I do not want them to come here and change my country, I have the same right that they have to protect my native history and traditions.
Many times I disagree with you (By the way, I am an Argentinian in Argentina now, but I have lived in many parts of the world including the USA) but I have the feeling you are someone I could sit down, talk and have a rational conversation. I am REALLY happy to hear that you mentioned the "PULL" effect from people that hire ilegals and also how the big companies rig the system to keep it broken, temporary working visas are a insult to basic human rights.
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Jake, When you just started covering the war and were sort of finding your way, I donated $100 to you because I wanted to encourage you and I felt you were headed towards great things. With that for context I want to speak to you as a supporter.
I believe you are making a mistake, and playing into the hands of Russia. I have a little experience with both Russia, and politics, although it has been a number of years and was always tangential to other things I was engaged in.
My thoughts for you are: (1) Russia succeeds by pitting us against each other. (2) Within the Republican ranks are many who support Ukraine. (3) I live among many MAGA folks, and there is a lot I would like to share about them, but the important thing is that there is a real potential to bring them to our cause, but NOT if we constantly insult them. (4) It is fine to criticize actions, positions, etc., provided you avoid personalizing it.
The guy you are chastising today is the guy you will need tomorrow. I have seen a major project blow up because someone key was offended by something one of the supporters said in a moment of impatience. POLITICIANS HAVE HUGE EGOS and THIN SKINs.
Please play the game to win, even when it is hard to hold your tongue. Otherwise you are helping Russia, not Ukraine. I hate playing politics but I have learned firsthand that although it may suck, it is an unavoidable reality. I still support you, I just hope you will find some small value in what I have said.
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I'm an edge case - I'm in my mid 20s and I've been collecting social security for several years, after suffering through a hemorrhaging stroke as a young adult (was expected to die, spent weeks in the ICU, years later still not able-bodied). I had only paid into the program for 4 years when it occurred.
I'm somewhat conflicted with my situation - I can't return to work (at least not in the near-medium future) and it's absolutely true that soc sec is not enough. I'm pulling in just a 4-figure yearly income, from SSDI + SSI.
I feel like a burden on my family and friends (that's a whole other can of worms) but I can't be independent because I'd go broke in record time trying (I did, a few years ago; I lasted 4 months before drowning financially). So I'm in this situation where I feel like a leech, but I don't receive enough to be fully independent, and I can't return to work to combine soc sec + wage. I'm just in this awkward rift.
I'm glad soc sec is available for people like me, it's just, even though it's a paltry amount, I still feel bad that I need it. If I didn't utilize it, I would be even a bigger burden on those around me, supporting me. Hopefully soon I'll be in a better position, but the 'light at the end of the tunnel' is painfully dim.
Just kinda thinking aloud. Thanks for another great video/explanation. 🙂
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This card is for businesses which need to manage cash flow. For example, if you are a contractor building homes, or something like that, you may need credit to buy a large amount of materials or work, but you may need more than 30 days to have the funds to pay this off. This is a really important card because no other card offers this feature... 60 day no interest anytime you need it can be huge for some kinds of businesses...
So its an awesome card for some businesses where you have large expenses, you know you will have the revenue, but it may not come within 30 days.
The other reason to have this card: its a charge card, it doesnt count towards 5/24, and if you have two players, it has no annual fee in the first year, and you can collect a referral bonus for a second player by opening this card. It makes sense if your player 2 is working towards getting under 5/24 and wants to collect a referral bonus...
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Thank you, for another great presentation on this episode of The Jake Broe Show, this work you do, has had a profound effect on me as a person, and I'm very thankful there's a level headed man like yourself to help guide us through this uncharted territory we're currently soaring through, so I'm just trying to give you your roses, while you're still around to smell them. And I'm becoming more and more concerned about the precedents currently being set, by allowing Russia to continuously commit these atrocities, the heinous cruelty towards all forms of life, we're all just disposable as gloves to these.. I don't even know what to call them anymore, there is no words to accurately label them with at this point, I'm just truly disgusted, disturbed even. I apologize for the rant Jake, I'm just at a loss for what to do or say lately, and I can't help but feel so helpless with it all, and no amount of donating seems to feel like it's enough, even in the times when I'm giving everything I have to give. To tell you the truth, I feel guilty about it even if I shouldn't, I'm getting to a point where Im genuinely considering trying to join a legion or something along those lines. I just can't help but think that if my country of Canada was in a similar position as Ukraine, I would hope that there would be other people that would be willing to do the same for us. I can't seem to shake it to save my life.
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I very much welcome and prefer "tough talk" that is based on facts, as in this video. This is a video to share with others. Ignore the trolls and haters.
We need more, not less talk like this; laying out stakes, pointing out people like McConnell, Graham, Romney flipping and lying, and now they are unified for Putin.
Don't believe what they say, believe what they do with their votes.
In every critical moment and big issue, Republicans have engaged in this kind of hostage taking. They did it on the credit default, they did it with the US budget and their repeat threats of more government shutdowns, and they are doing it now with Ukraine and other aid.
It is a core Republican belief that it is good to harm America and allies, as long as Republicans get what they want. Any end justifies their means and methods; and in this case, that means helping Russia, and it means Republicans are onboard for more death and suffering in Ukraine, and for Europe.
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Jake, Great video.
Long post alert:
I would posit that ALL airline/hotel cards are not for daily spend. Invariably you are trading real money for Monopoly money. Every bank and airline knows this. Consider that every loyalty program’s points, including the sign up bonus, only work if you have either a specific redemption or a redemption plan in mind.
Overall, these cards only work for:
1.) The sign up bonus (with appropriate planning).
2.) Perks (points, status, certificates).
As you said earlier, year 1 value is usually offset by the sign up bonus, and for churners, this will be enough.
However, optimizers and anyone in year 2 has to make sure that the perks provide an actual monetary value to them to offset the annual fee. Example: the flight certificate for year 2 with the platinum and reserve cards only make sense if you would have flown with Delta anyway. Otherwise, you are giving Delta an additional purchase, and will incur the cost of that ticket as well as other ancillary charges (trip to/from the airport, time off, etc.).
The only way to even break even with any annual fee cards is to plan ahead. The average consumer doesn’t understand this, and the banks make off like bandits.
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Hi Jake, you forgot to mention, specifically, the Discover It card matches ALL spending, even the 1% cash back purchases for the first 12 months. So you are getting 10% back on the quarterly categories, and 2% on everything else, very hard to beat for the first year. I had this car in 2020, Discover would add specific stores to each quarter just before/after the category change - for example, I believe they added Home Depot to the gas & Target quarter. I'm not sure if this was because of COVID or something they always do. I also, personally, like the Capital One Savor card over the Chase Custom Cash because you are getting essentially 4 categories in one 3% reward with no spending limit, over the 5% on one category with a $500 spending cap from Chase. For most people keeping 4 credit cards in their wallet for specific categories is confusing (and frankly dangerous) - the Savor card simplifies that a bit for those who don't want to keep a spreadsheet on which card needs to be used for which spending category with spending limits, not to mention keeping track of reward category rotations. To each his/her own of course :)
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Your thoroughness, sensitivity and diligence is truly impressive, Jake. This may sound bizarre but, once you’ve seen one beheading, you’ve seen them all. I mean that, as a younger man, I would look at such videos, telling myself I had a responsibility not to look away. But, after one, I never saw anything that edified me any further. Psychotic medieval murderers are no different, from one video to the next. What I have learned is that such disturbing images do stay with you and have a way of coming back into your head at the worst possible moments. They can sour the quality of your life. I will not look, but trust the sources I have already come to trust. That is enough for me now.
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Good update Jake, serfdom never ended in Muscovy, it's always been smoke & mirrors. Slava 🇺🇦
Eaves dropping on the Xi, Putler chair chat …
Xi “I was a bit upset that you didn’t meet me off the plane, Vlad …”
Vladolf “Yes sorry about that, but as you can see I can’t walk well, and thought it would be too insulting to send a body double …”
Xi “You shouldn’t worry, you don’t think Xi would come here in person, do you ? I’m his doppelgänger …”
Vladolf “Oh now I feel insulted …”
Xi “Don’t be, you have met him 8 times before …”
Vladolf “Well no, I have never met him, I always sent a doppelgänger before …”
Xi, “OK, let's get on with the show …”
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Jake, first of all, thank you for just being who you are, i.e. a decent man who won't remain silent over things to maximize subscribers.
You are not being partisan. You are not pushing anybody's agenda. You are not taking sides based on your being a Democrat, a Republican, or anything else, or wanting to help any political party prevail because it would suit your personal interest. Whoever follows you should know well that you are simply standing for what's right, in issues where it is pretty clear what's right and what's wrong.
As for what's going on in the US, it is the political calendar making Republicans show what they are made of. The presidential election approaches and Republicans want to win that election, even if that means putting Trump back in power. Therefore, they will sabotage the White House as much as they can. They will do their best to deny president Biden any success, whether internationally or at home.
Republicans are sacrificing Ukraine, at least for a year, some of them will think. Some that hope Ukraine can hold until THEY can get credit for supporting that country. Only Trump is friends with Putin (as well as his hostage according to Christopher Steele, due to kompornmat, sorry: kompromat). Trump is also an ignoramus bent on good old isolationism. And Trump likely resents Ukrainains for not helping him defame Joe Biden. Plus, Trump wants to establish an hereditary dictatorship or something like that, and be friends with all other tyrants.
Therefore, if Trump was to win next year, US help to Ukraine would be over for as long as the Trumps are in power.
Do Republicans realize that, with Trump, they are destroying US democracy?
Many do realize that or have some intuition at least, I am starting to think. It looks increasingly as if a majority of Republicans, while not saying it, are simply racists taking umbrage at their country ceasing to be just theirs, as it becomes increasingly everybody's with increasing "minority" figures. It's like their only hope to continue feeling on top might be a racist dictatorship.
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Great video Jake! I recently started selling covered calls and have two more technical tips in case anyone else wants to try this out!
1. If you transfer funds to your brokerage or sell a position for funds, then buy 100 shares of something for the purpose of selling a covered call and sell the covered call the same day, be cautious. If the buyer does, for whatever reason, exercise the contract within the time it takes your funds to settle, this will invoke a Good Faith Violation (at least for Fidelity and Charles Schwab) .
2. Low premium calls that are very short may not be ideal, as there is a $0.65 fee (per contract not share). If you sell a contract that's just 1 week and it only has a premium of, say, 0.02, this is $2, but 0.65 (or 33%) of your premium ends up going toward this fee.
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Awesome Jake! I'm really rooting for you to reach your goals. It's very possible. I did over 77% over the last 3 mos. My long-term call options in QS, TSLA, PLTR, AAPL, TTCF, DBX killed it. I remember when I first started years ago and my goal was to hit 25k, then 50k, 100k, 200k, 300k, 500k, 700k... I'm on track to hit 7-figures in the next yr or so. All while being in the AF as well. :)
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Hi Jake, I've been watching your economics and war coverage videos for months. And I have a few comments I'd like to say;
1. You're great. You're communication skills are off the charts, you're entertaining and you provide great insight to various subjects.
2. You work really hard, I respect your Air Force career, and if we met, you'd have to directly tell me not to call you Captain, and I'd still do it (sorry, you earned the level of respect and it's a great man, very rare).
3. Please keep making these videos in any format or channel you see fit. I very much enjoy all your content and have no problem subbing all your channels. That just means more Jake, I'm all for it.
Keep your head up, we are all cheering for you.
-Aviv
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Awesome video Jake! At $35, it was a steal. At $40, ok no big deal. At $50, I was unhappy and ready to cancel. Four months ago when Corona hit and sports ended, I finally cancelled. I had no idea about the latest price hike. But, honestly, if sports ever go back to 100% normal, after there's a vaccine, I'll probably renew my sub.
Between all the sports networks, local channels, unlimited DVR, and effortless fast forwarding through commercials when using a Roku, YouTube TV is basically perfect. It blows away all the other live TV streaming services.
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Informative video, thanks. If you are considering Schwab, I give them the highest praise for amazing customer service! I love being able to chat with someone via a small window while getting other stuff done. Other brokerages sometimes have terrible customer service. Some places only sell you their mutual funds, no reason to invest with those companies these days. Also, the Schwab "Street smart edge" software is free and brilliant! I absolutely love it, and wouldn't want to invest and research without it. So customizable, and I love how I type the ticker in once, and then that ticker will appear in several windows with the info I want about each stock. It looks complex, but it doesn't have to be.
Also, you should read about how the share price changes slightly when the dividend pays out. I used to think what you thought about timing my purchase of a dividend-paying stock, but it is far less of a factor than you think. I'm no expert, just trying to be helpful.
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Hang in there buddy! Looks for a minute like things are getting to you a little and that is MORE than understandable - believe me, I have written some things - mostly to Times Radio - which in unexpurgated four letter terms leave anyone reading them my not very guarded opinion hard to misinterpret! There have been several times where, in cooler moments I've gone too far but I refuse to go back and edit them. They are a record of my deep seated feelings about many aspects of this atrocious war and Russia's instant throwing overboard of all accepted international law and especially, the conduct of war. It is literally as if the Geneva Conventions do not exist. And yet earlier, I was reading several reports of various Courts Martial from assault occasioning actual bodily harm, through theft - right up to a 2011 incident where an Apache helicopter in Helmand had spotted an Afghan insurgent, sent some lead into him but not killed him - but five British marines arriving on the scene did finish him off, one of which is serving Life for Murder. You think about that for a second - an enemy soldier who was was danger to the infantry on the ground, was shot via an air assault and clearly, the aim was to kill him. By sheer misfortune, he was only injured, albeit gravely enough there was no dispute he represented no further danger at that point - and in the heat of war, one of the party made undoubtedly an error of judgement - undoubtedly acted less than nobly, undoubtedly acted in a way that dishonoured himself and his regiment - and indeed the entire British Army and even the whole country's international standing and reputation. Yet in spite of that, people have taken responsibility, gone to the trouble of building the case - with all the expense and bad publicity - secured a conviction and now a soldier languishes in prison along with the rapists, wife beaters and others who think nothing of stabbing or bottling someone for looking at them funny - I believe the cost is something like £36000 a year and that's asides from the waste of the man's expertise and utility to the Country.
The reason I mention it is - contrast that to the behaviour of Russian soldiers???? All the meetings Putain and his cronies have attended. All the agreements they have discussed and reached. All the treaties they have signed. All the international accords they are subscribed to. The whole lot of it has just fallen like shattered glass from a window. There is not so much as a concerned glance much less two shits given about the just mentioned concords - it is exactly as if Russia has done nothing but play act at the various Conventions. It has in the most literal sense imaginable been paying lip service to all the charters other countries sign in a genuine endeavour to create easier conditions for trade; better global security; greater cross border cultural, artistic, sporting, travel, employment, business and educational projects and cooperation - and sending people out into the world to promote appreciation for others who look and sound different to ourselves, to increase understanding of our fellow human beings (and their pets!) and to share ideas on the ecological situation and the climate.
Yes of course there are flaws in it - there are companies, agencies - governments - acting not quite in good faith. These are the reasons the likes of Noam Chomsky thinks he's so clever. What I hate about his stance and those like him - simply seeing it's not quite as straightforward as it seems on first inspection - who then use that as an excuse to dig their heels in and cry foul. I have yet to hear any great alternatives to the measures most of the world tries to engage with, imperfect that they are. A minor point, however, when it comes to such a huge and significant country as Russia which, as just said, has shocked me to the core at the apparent ease with which it's just come out of the shadows, butt naked and flipping the bird to everyone with not ONE OUNCE of shame!!! Any credibility, any trust, any credit Russia had built during the 22 years under Gorbachev and Yeltsin has been systematically, deliberately and cynically destroyed by a venal gangster who couldn't give a toss about Empire - Putain must be really insecure or have a really small penis because his lashing out at Crimea was nothing more than an angry, spiteful act of revenge against Ukraine for their taking a stand against then-Ukrainian president, Yanukovych, the filthy, traitorous bastard and a Russian shill, stooge and glove puppet with Putain's arm so far up his jacksie, you could see the Russian president wave when the Ukrainian one spoke.... even more than that, it's all about exerting power and control. About having a necklace of semi functional half dead states all round Russia - all nearly as corrupt and rotten as Russia itself - that just create a nice layer of padding for Putin to have gone on fixing his reelection every time til he shuffled off this mortal coil. Why, having voted himself president for life, they intend going through the ludicrous charade of elections next year is anyone's guess. Surely the idea of announcing himself unlimited number of terms dispensed with that pantomime? All Putain wants to do is be King, control the money - and hence the trough from which all his most important people feed - and that is that. He CERTAINLY doesn't care about anyone beyond a few in Moscow and St Petersburg - and even then only cos he has to act like he cares about them..... he is way beyond any vileness I had previously even considered and as for the West "getting bored" of supporting Ukraine, well, I sincerely hope that is not happening as the world is a SUBSTANTIALLY less secure and prosperous place to be with such a venal gangster ruling over such a shambolic and, frankly alien, land.....
As a footnote to this, no bloody wonder China is playing it by the book and changing its tune concerning the UN resolution..... Jeeeeeeezus H Christ I bet this has put the willies up China. It was clearly more or less thinking along Putain's lines "ach, they won't do anything..." With Russia nearly destroyed and exhausted, China is now in a FAR weaker position with not even a pretend-mighty Russian army to back it up now. Plus all the enemies it has made of the Philippines, Thailand, Laos, Indonesia, Myanmar - even Vietnam - thanks to the shenanigans in the South China Sea. Obviously India is on the fence about China anyway and Modi - not exactly pro-US, hasn't got many more years in him and I think someone a bit more West aligned will come in behind him - obviously Japan is an ally anyway and Australia/NZ but China has shot itself in the foot as, again, resentful of The West, especially the 19th and most of the 20th Centuries and desirous of flexing what it sees as its rights in the world thanks to its size and economic power, like Russia I think has over played its card. If countries like Vietnam are pissed off with China and are happy to cosy up to the USA as part of an anti Chinese bloc, I think that truly demonstrates how premature it has been for China to leap out of the traps.....and, like with Russia, really revealed its true intentions - obviously at a great cost indeed, the course of events now unfurling in Ukraine may transpire to be the best thing which could have happened by awaking the world from its slumbers and getting governments and people on board with the unpleasant realities and to turn around our atrophying armies before it was too late......
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Hey Jake, although I am a Tesla fanboy, and made over 7 figures from just this stock alone, it would be natural for me to hate on this. Because I have been watching your videos from when you first started this channel, I can’t get mad at you... hahaha... I know your intentions are for us to think about this scenario. I actually appreciate the angle that you took, because it actually makes a lot of sense. As you can tell, I’m an A buyer. However, you failed to mention what happens whenever we get these massive sell-offs of Tesla. This just fuels the fire for more A buyers to increase their positions, like I have over the years, during sell-offs. This company is such a beast in every way, that everyone who has wanted an opportunity to buy-in before, or build their positions will indeed buy more and make the stock take off again. It’s a vicious cycle that only happens to a company like Tesla. Have you considered another split? Apple has split 3x already. Tesla definitely has room for future splits. You mentioned Elon’s tweets. So, I was told by an employee that they are only allowed to exercise their stock options on designated days. He noticed a pattern, that it seemed to him right before the time they can buy stock, Elon would say something that makes the stock go down and then the employees all buy their stock and it pops back up. Just wanted to leave that little conspiracy nugget there for you. Guess when the next dates are? March 1 and September 1 ;)
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Hi Jake, if not mistaken, when market drops, 'buyer' does not gain value with long calls (13:25 in video)...buyers are looking for price to go up. At 17:00, you mention breakeven at $450.01...why worry about breakeven at this point, as long as the stock is above your strike, the shares will be assigned to the buyers, which is what you want, you still keep the $12K. OK, just some thoughts...thumbs up! Of course, for your viewers, a lot more than meets the eye with this strategy, as the markets dictates what eventually happens, and there are numerous management strategies and techniques when trading the wheel...great stuff!
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Good video, I agree capital appreciation should not be completely ignored. However, I do have a few things I disagree with. First, what about dividend growth? Sure, if you are looking at a purely 3 or 4 % dividend from year 1 and the dividend doesn’t grow, nobody relying on this dividend only will have beaten the market. But if the company is consistently growing its dividend and you are reinvesting that dividend, in several years, you can reach a point where you are netting 10 or even 20% yield on cost from your out of pocket investment. In that case you are most certainly beating the market, even if the stock value doesn’t move. In fact, if the value of the stock goes down that helps you reach a higher yield on cost faster. Another thing, you don’t necessarily need to sell your stocks as you suggest, at least not with dividend stocks. You can pass them on as an inheritance, so that future generations live off the dividend income, which is why i think people put so much emphasis on dividend aristocrats. And in that case, capital appreciation truly becomes less important. Finally, although you’re right in saying that capital appreciation is also passive, for a growth stock, once you sell, thats it, you have locked in that value and you wont be earning any more money. Which is fine if thats what you want. But with dividend stocks you will keep earning income, and as long as the dividend grows you will keep making more and more income, and once again, there really isn’t any need to sell. So in that sense, I do think dividend stocks are more passive. Overall though, I agree with you though, I also prefer stocks that have shown capital appreciation and dividend growth, and I look at companies with similar profiles to those that you are interested in. There may be more fruitful strategies, I just like this one the best!
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Please keep doing what you do. It cannot be easy making these, but your take on the genocide and on the "feel good", not to forget how you call out that war criminal, is such a balanced perspective, that I simply do not find elsewhere. You called this "feel good", but God, these just hit me. Also, please, If you could, if you hear more stories of Russians who deny to commit genocide, could you please try to honor them for denying doing so? I mean, they got absolutely nothing to gain, apart from their death, and dying righteous. After all, if they kill their own, for denying to commit war crimes, someone is doing the right thing. This war is just horrible. But I cannot for the life me, fault those who protest genocide. If feels just right, to actually honor those, who actually chose to die, as to not be a part of this. And yes, Ukraine must win this war. Thanks for the work you do.
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Hi Jake, without a doubt the best reporting on Ukraine, we’ll done.
Just a topic worth pondering on is that many NATO countries seem reluctant to send large amounts of there militarily equipment to Ukraine, the most common reason they give is not wanting to leave themselves exposed incase ??? This mindset for the life of me makes no sense, and is completely contradictory of what the NATO alliance is about.
NATO countries between them have 10,s of thousands of tanks, aircraft, ships etc.
The point I’m trying to make is even if each country in the alliance gave half of what they have to Ukraine, why should it worry them if NATO is all for one and one for all, so if any NATO country is attacked they still have the combined remainder of military equipment between them, which would still be astronomical
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Thank you for answering my question, and as others have said, for your candor about Trump's influence over the Republican Party. I know that members of the service, past and present, are reticent to discuss political topics. My perception is that there is policy, politics, and polemics, and the generals I listen to in various respects will discuss policy, acknowledge politics, and stay well away from polemics. It's hard, though--and I think you did an excellent job of navigating the distinctions.
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Beyond the sigh up bonus, the Chase Sapphire Preferred doesn't offer much. The point multipliers aren't good, and even with the boost from the travel portal, you can get more value on dining and travel from the Wells Fargo Propel. The travel protections are nice, but you can also get those elsewhere.
A point about priority pass though is that it's only useful if you're going to an airport that has a lounge. The two airports I fly out of most often don't have a lounge and neither do most of the places I fly to. There's definitely value to having priority pass, and I got to take advantage of it last time I traveled, but when running the numbers, make sure you're realistic about how often you'd use it.
Something else to consider with the point earning is that you can get more value from the Wells Fargo Propel than with the CSP, so that should be the comparison to see if the CSR is worthwhile, which would make the difference $68. Still, that requires an additional card so is more complex, and you'd also probably want to put a lot of the travel on the CSP for the travel protections. The math can get really interesting here.
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perfect system. the young couple look like they are taxed more than the retired couple collecting investment returns, but remember the retired couple collecting investment returns, were once the hard working young couple that worked their way into the "privileged class" (which by the way is misused, and politically charged term to create division). in a free capitalist society, the tax codes are geared to promote success, as it should be. despite all the tax inequality against the small portion of our society, it still pays to choose to be wealthy. take away lesson for working class america, is to live within your means, be financially responsible, save and invest heavily while you are young, so you can make your way into the FIRE class, instead of merely being jealous at them and being hateful towards them.
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This was very interesting idea and very well laid out. And it seems to make sense. One thing I disagree with that impacts the premise of this...I don't believe the national debt....exists. It's not there. BUT a lot of political leaders don't know how FIAT based currencies and federal budgeting actually works so it's 'effectively' there because we all treat it as if it exists. I'm a believer in MMT, and would love you to do a video on this.
But for those who don't know, basically taxes do NOT pay for ANY federal government spending. Once you pay $1 in taxes, that dollar ceases to exist. It's gone. When the Federal government spends $1, it is NOT spending tax money. It's creating that $1 out of thin air. Every single time. The Government never needs to 'balance' its budget because there is nothing to balance. So what keeps the Fed Gov from spending infinitely? Runaway inflation. More dollars chasing the same production = inflation.
HOWEVER, the Fed Gov can increase spending WITHOUT increasing inflation because dollars do have an intrinsic value. It's just that intrinsic value is a little abstract, though intuitive once you think about it. $1 is worth a certain % of the nation's total production, GDP for example. Total output/total dollars = the value of $1. All a dollar is is a right to claim consumption over a % of whatever a nation is producing. That's why Fed Gov can create $ out of thin air...all a Fed budget is is the Gov saying a given amount of economic output will go toward certain things. If the Fed Gov's budget is $10 and there are $100 in circulation, then the Gov is allocating 10% of national production to its priorities. That's all a budget is.
So how do you increase spending without increasing inflation. Well, if resources are sitting idle (factories, raw materials, labour, exc) and the government increases spending to put those idle resources into use...if production increases by equal to or greater than the value of the $ spent, no inflation. Even deflation (not normally, but in theory).
Think about it. Look at a dollar bill. Who MADE that, phisically? If the government can just print money, why does it need YOUR money to buy anything? Think about wages, businesses. An employee or a business doesn't care if the money hitting their bank account is a NEW dollar or a tax dollar, it just needs to spend. The Gov can't NEED you to pay for things. That's not what taxes do. Taxes ONLY exist to check inflation. That's what a "balanced budget" is. If the total dollars being created and destroyed (spent and taxed) is equal, you won't get inflation. BUT you can run a 'deficit' without inflation IF this additional spending puts idle resources into production, creating great economic value than the dollars spend on.
Note this is NOT true for state and local governments. Only the Federal Government can create money out of nothing. So all other entities must balance spending with (tax) revenue.
So why do we hear about deficits all the time...because no state or local government works like this. Because no household works like this. It's both intuitive but so conditioned out of us it's hard to understand. And most elected officials come from businesses, local governments, and or....families. Places where budgets work differently. This way of looking at taxes and budgeting doesn't fit on a bumper sticker. ALSO, it did not and could not exist under the gold or silver standard. So for most of our history, this couldn't be taught in schools. And now that it can be...well....the US didn't adopt FIAT money until 1973 so a lot of educators, and economists, still don't 'see' the newer reality of money.
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Hey Jake,
Thank you so much for your constantly reliable pace, thoughts and approach, the twinkles in the eye, hope and seriousness.
So many commentators take the approach of sensation, „here go boom, there go boom, but YouTube demonetizes, so I can’t show off“… you know what I mean.
Thank you for you reason and for the last two clips that wouldn’t leave us, your subbies, with the intense terror of war.
Thank you for your reason and political perspective.
Thank you for being so reliable in all of the above.
„Keep defending the truth, keep defending democracy“
Honestly, I am starting to feel fear for what is coming. German Defence minister said today, we should get ready for more military conflicts in good old Europe.
I have four younger brothers and two sons. The fear creeps in.
This is why I thank you for deciding to be one of our beacons.
Sincerely yours, Anthony
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Just wanted to say I’ve been watching your channel for a while now, and wanted to say thank you so much for the invaluable information you present, it really helps those of us who have taken up the fight, to fight against Russian disinformation online. I look forward to watching your daily video as I know that there’s going to be a lot of de activated account posts on the comments sections of our online newspapers over the following24 hrs , there weren’t many when I started 15 months ago, and there wasn’t many like me back then, but I’m pleased to say there’s so many more people like me present in the comments section now that the Russians retreat faster every day online 😂🤣
I’m from Wales 🏴 UK 🇬🇧 and we do get a kick out of the Russians calling to nuke us.. or sink our little island with Poseidon 🙄 I’m not sure, but I’ve a sneaking suspicion that they seem to think that all our nuclear weapons are here on this little island.. we don’t mind spoiling the surprise if they ever did press the button 🤣😂 The Russian’s really should remember that this little island was delivering food, medicine, fuel, materials for building and much needed ammunition to them when they were under siege in WWII.. they should also realise that this little island was invaded for the last time in 1779, and we were the only country in Europe that the Germans in WWII couldn’t bomb into submission 🇬🇧
Thanks again jake
Slava Ukraini 🌻🇺🇦
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Very nice video. Ultimately comes down to attention to detail and your ability to redeem at good value, without burning too many points in the process. I personally use cards & points at my personal max efficiency to go on what I view to be dream vacations that I would otherwise not spend its cash equivalent on, but there are a few more layers. I do think business class & first class are not optimal uses of points, for the record.
When I spend my 25k Chase to Hyatt to cover my stay at the Grand Hyatt Kauai, I'm not only waiving my room cost, but additionally the resort fees & taxes on the stay, which are quite expensive. I'm using my club upgrades that I earned from matching casino statuses to save me money on food once there, minimizing my out of pocket spend while on vacation. A random example, but I do think people get lost in high cpp redemptions without accounting for the costs they're going to run into once travel. My true point on the other side is that utilizing points, as opposed to any type of other currency, can have additional benefits to save even more than their equivalent dollar amount.
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Forgive me commenting only three minutes into your video (already excellent btw Jake), but I had to agree with you about the vote for more aid to 🇺🇦. As you were talking, I said out loud "You hand out a free sample burger, everybody loves it, everyone buys one." It's taking the car for a demo, seeing it ticks all the boxes, then you buy it. There's thousands of examples, but how could this NOT benefit US economy? Or any Western country that has supplied fantastic materiel? What of France, Germany, UK, Netherlands etc?
As great as the bullets and bandages are for the people desperately trying to repel an invasion, they serve a dual role. And I love the fact that we've formed up behind Ukraine. I would hope the same thing happened if my little island in Northern Europe was invaded.
Terror, kleptocracy, belligerence, stealing land, genocide (this list could go on forever) can not be left unchecked. We all do what we can. We stay informed (eg, via your good self Jake!) and we support a nation under an invasion.
Okay, stopping rambling here. Slava Ukraine ❤️🇺🇦❤️🏴. Glory to The Defenders. Love from a cold little bit of Europe!!
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As a fellow veteran I can agree/confirm with what Jake is saying about the Saudi governments (and others like Kuwait and Qatar) policies on importing labor. As a citizen of these countries you don’t need to work. Many countries import their citizens to these countries for labor, primarily what I saw when I was there on my many tours was Russian and Eastern, Asian labor force. These were primarily in the hospitality areas. However, in the grunt labor force, I saw many African nation, labor, force, and other Middle Eastern and Russian nationalities that were considered a minority in Russia. These are not slaves, it’s just that they can afford to import their labor force. That in and of itself is a very big concern. A cocern that a society that relies so heavily on imported labor will not be so willing to give that up and have to work themselves. They also probably really don’t want to take refugees who are going to be an issue politically instead of being a productive member of their imported labor force. No country in the world works altruistically (even my country, the USA) no matter what you may think. You have to think what is in each countries national interest. Unfortunately, this isn’t Star Trek. This is just the way the world is.
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Hey Jake, thanks for all the Vanguard vids, and now Fidelity. Btw, I really like how u change your wall pin posters, they are cool looking! Q: why do u have so many brokerage accounts, I can understand 2, but u have, Morgan Stanley, Schwab, Vanguard, + Fidelity? I understand diversification, but is it not better to build up more assets in 1 or 2 account instead?
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Good video, but there are a few gotchas with the VA...I purchased my first home with the VA, 1.5% funding fee, no issues because it was a new build. Second home, they wanted an extra 10k of closing costs (funding fee is upped on the second home) or you need to up your downpayment to at least 10%. Third house, the VA forced the seller to pay for a WDO inspection (termites), which almost ran the seller off, so I paid him under the table so he could pay for the WDO... Not big things, but when you're trying to save money, it wasn't worth it except for the first house. Also, DR preaches not planning to buy a house until you have a emergency fund. It sure helped when my A/C went out the second year in my current house ($8k later)...
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Thank you for this summary of the actual situation. But please inform better about your news.
The russian Cruiser is spelled "Moskwa". The в can be spelled as b or v. The Capital of Russia is Moskwa.
It was not the German Chancellor but the German president who was disinvited.
Chansellor: OLAF Scholz, Head of government, has a lot of executive power in decisions, has only 1 vote in the Bundestag as well as all other representatives, at the moment as fast as a snail on valium, can travel to Ukrainia, but continues talking to Putin to stop this war.
German President: Frank-Walter Steinmeier, representative head of Germany, subscribes all laws and regulations, declared to stand with Ukrainia against russia, was disinvited by Ukrainia.
Germany still stopped NordStream2. The pipeline is dead. Our ministries of economy and finances each are talking to different countries like USA and different arabic states to import oil and gas from them. But if we have no oil or gas, we also cannot produce weapons for Ukrainia.
A lot of German people want to send heavy weapons to Ukrainia. The government also wants to. It is our slow politics which are braking it.
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i was, also watching sum, footage, from Ukraine, just as something, got in my eyes, and made them feel all prickly, then water ran down my cheeks, any fellow men, out there, know wot happened to me,? should i be worried, is this normal ?
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After watching the video of Major General Ivan Popov (be warned, the subbies are slightly hinky but you can see what he's saying), I feel there is a huge resemblance to Egypt and Syria during the Six Day War in 1967.
The Officer Corps was filled to bursting with cronyism, nepotism, kleptocracy, yes men, and even "bought Commissions".
When it was clear that the Arab forces were disintegrating, anyone who tried to explain the terrible news to their Officers was thrown to the front. Or worse.
Officers continually lied about fictitious victories, huge phantom battles, and drew make believe lines on maps.
But nobody wanted to hear what was really going on. The soldiers chained and padlocked to gun positions, confusion everywhere as Officers commandeered vehicles to get them home, dehydrated and delirious troops with no rations or ammunition.
Is any of this feeling eerily contemporary? Does any of this make you think of videos made by a group of wounded guys trying to reach Putin? The lack of strategy? The lines of "Zombies" forced to either clear minefields in a "physical manner" or simply act as bullet sponges for the second line? Ruzzian deaths listed as either MIA or (unbelievable) "deserted" so the criminal government doesn't have to deliver two sacks of potatoes to the grieving family? The dumping of ammo in hurried piles, later destroyed with one 🇺🇦 drone?
And now Popov dares to tell the truth and is quickly removed? They're falling apart and the real 🇺🇦 counter-offensive hasn't even properly started.
Look at it another way, and it all benefits 🇺🇦 - who have excellent chain of command, leadership, dedicated troops, brotherhood, an actual*cause* while the Ruzzians "cause" is to get away quickly.
And their Propaganda TV has become the babbling of the deluded criminally insane!
Everything the Ruzzians do, say, scream, shout, dribble, etc, brings Ukraine ever closer to recovering their country, their homes, their families, their victory.
Slava Ukraine 🇺🇦🏴💛💙💛💙👍👍🌟
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JBro,.....what is going on??. With your move to Vegas I was expecting videos of you ''chillin'' with Britney Spears,...comforting Adele after her ''residency'' was postponed,.....getting free lap dances,....hanging with L.A rappers,.....checking out Bobby Flays new restaurant etc,etc,..''.Strikes,options,puts,..converted credit spreads'',......I thought you left all of that nonsense back in Minot. Lol.
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14:05 It's hard to say without showing screenshots, but it may be actually photoshopped.
On the front tank there are different grades of blurriness on those bars and there are a few
misaligned bars. This would indicate copy-pasted pixels to me, but it might be very high
compression of the image as well, so take that with a grain of salt.
Bad image or footage quality is always actually a good attempt to hide mistakes (bad resolution,
shaky camera …), you see that a lot in these horror „hoax“ videos a lot, where they show alleged
ghosts and creatures out of this world. So like you said, this image might be a fake.
But without certainty I would imagine the worst case and expect cages on those tanks in future.
On the other hand I can imagine these cages would be made with poor quality in these dimension,
since it’s known that some russians, especially in higher ranks, tend to be corrupt and want to save
money on projects, so they can keep it for themselves.
But again, expect the worst case scenario.
Sorry for that long comment and sounding grim, but I don't want to be too optimistic.
I also wanted
to thank you for keeping us informed about this conflict, enduring these very depressing news and
guiding us to fundraisers, so everybody can do their part to help out ukrainians at least a little bit.
If you made it this far, thank you for reading my words. 😁
Slava Ukraini, Heroim Slava 💙💛🏳️🌈🇩🇪
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Jake, I've been in a similar situation. I served in the United States Army as a 15R (AH-64D Apache helicopter crewchief), got out after 6 years and 2 combat deployments. Traveled the world from Europe to SE Asia, and went back to school on the Ch. 33 GI Bill to finish my bachelor's in Mechanical Engineering. During that time, I got an internship with NASA, which led to a conversion to permanent status as a GS here in Florida. I sometimes miss being in the military, as the civilian world doesn't appreciate nor understand what we went through, and the espirit du corps in civilian government service is a far cry from that of the military. Still, we work alongside US Space Force, and I'm serving in the most prestigious agency in the federal government, so...can't complain. My military service counts toward NASA retirement, though on this side of the fence, it's 30 years rather than 20. BTW, being a veteran is the main reason I got into NASA, so you're spot on with the veterans' preference with State. FSO sounds like a cool gig, although places like Kabul probably won't be on your radar...lol
Don't feel pressured to stay in for retirement; many people make that choice, and it takes a toll on their mental health. I was tired of deploying (been to Iraq twice), being unable to travel where and when I wanted, and narrowly avoided getting stop-lossed to Afghanistan. I wouldn't have met my wife and had all of my beautiful daughters, nor finished my engineering degree before I hit 40 had I stayed in. Take the exit ramp and pursue that which you're passionate about, and godspeed to you and your future plans!
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Hi Jake. As said, my focus is more in R/E than the market. Here is my concern with the market, and you might want to make a video on this. Average American is really hurting. Entire sectors of the economy are wiped out. Yet the index's are at highs. This recent upturn is hardly a broad based rally. In fact, I believe that the vast majority of US stocks have declined. So, why the highs of so many index's? The reason is, IMO, those top ten stocks in the S&P 500 stocks by weight are 30% of the index's value. Sure, those stocks (Apple, Tesla, Goog, Amzn, Msft, etc.) are up huge. These 10 stocks are dragging up the entire index. Should those single ten stocks decline (crazier things have happened), we are in a fall like never before.
Personally, I hope to purchase two more houses within two years, and wait. To me, this market has become low grade gambling. And yes, I have (stupidly) invested in stocks outside of those top ten, and all have declined. Whole thing just makes no sense to me.
Anyway, thanks for your video and wisdom.
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Jake, I have a VA mortgage that I would like to refinance, and take cash out for home improvements.
I have more than 100K in equity at this time.
That seemingly precludes the use of the VA IRRRL, or Streamline refinance, as I don't believe that you can use that product, and take cash out.
It seems that I would be able to drop my interest rate by 4 around points, based upon current mortgage rates.
I have an 800 credit score, and membership in several credit unions, like NFCU.
US Bank holds the mortgage, and I have credit card and bank accounts with them also, as well as several other major banks.
Would you recommend refinancing into another VA loan?
I have noticed one of my credit unions offering a no closing cost VA loan, but I have not analyzed anything yet.
The rates at NFCU also look really good now.
Thanks for your advice.
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• Wells Fargo Propel - 3% Dining, Travel, Streaming, Gas. Free Phone Insurance
• Golden 1 Platinum - 3% Groceries, Dining, Gas
• PNC Cash Rewards - 4% Gas, 3% Dining
• Cap1 Savor One - 3% Dining, Entertainment
• Marvel Mastercard - 3% Dining, Entertainment, (Marvel "Entertainment" covers more than Cap1 "Entertainment", like Bookstores)
• Cap1 Savor - $95 AF waived first year, 4% Dining, Entertainment (If you spend <$9,500 in categories, free 3% cards are better value. Get SUB and use for extra 1% 1st free year then down grade to free card or cancel unless spending >$9,500 in categories.)
OTHER!
• US Bank Cash+ - 5% on 2 of these options: TV/Internet/Streaming, Home Utilities, Phone, Fast Food, Sporting Goods Stores, Clothing Stores, Gym/Fitness Center, Department Stores, Furniture Stores, Electronics Stores, or Movie Theaters.
• BoA Cash Rewards - 3% on 1 of these categories: Online Shopping, Drug Stores, Home Improvement and Furnishings, Travel, or Gas
• Amazon Store Card - 5% Amazon
• Target - 5% Discount
*
• NFCU More Rewards - 3% Groceries, Dining, Gas, Transit (Military, Cant set up Autopay from an External Account)
• Affinity Cash Rewards - 5% Bookstores, Amazon. 2% Groceries, Gas, Dining. 5% Rotating, Rotating stacks with permanent categories if they overlap, 10% and 7%. (Good Chance 5% Rotating is only 2020)
• Vantage West Connect - 5% on 1 of these options: Utilites (Including Phone), Restaurants, Travel, Wholesale Stores, Department Stores, Hardware/Home Improvement Stores, Drug Stores, Charity Groups, Amazon. 3% on Gas. (Arizona Residents Only)
• Aerospace Platinum Cashback - 5% Gas, 4% Dining/Entertainment, 3% Travel, 2% Everything (Only to military or employees at a specific LA Airforce base)
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@ilari90 dude, vukovar, croatian city and port on danube is our third port by tonnage alone, mostly bulk cargo like coal and especially grain from eastern europe, i live 50 meters from that northern rail line, grain trains go thru here every night, no matter the season so i know it's not just our grain, because the danube bends north from there towards budapest and the fastest way to slovenia, austria, southern germany etc is from the port of vukovar, giving our rail isn't as bad as serbian or romanian and freight trains can go at some decent speed, so from vukovar it continues in a straight line toward the west, so in this case it can continue west for that market and for overseaas it can go to our ports in adriatic, no canals needed, port of vukovar - hž cargo (croatian railways cargo) - port of rijeka, or split, šibenik etc.
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Good stuff.
Regarding higher end flights, it can also be about what you're not getting in economy, rather than what you are getting on a more expensive ticket. For me, that's sufficient space. Us taller/broad shouldered folk simply don't fit in the seats being sold today. If a flight is 2h+, I'm checking seatguru.com, and probably booking business (or at least "premium" economy, aka what used to fly as basic economy, assuming it yields more space). For very long, eastern-bound flights, I'm looking for a lie-flat seat, as I'm useless after an overnight without sleep. What some might call "luxury", I see as basic necessity to stay functional and happy, and am willing to pay -- a little -- more for.
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You can run the Navy Federal Bifecta: Navy Federal More Rewards and Navy Federal Flagship Rewards. The More Rewards gives you 3x points on restaurants, gas, supermarkets (grocery stores), and transit (taxi, bus, toll, railroad etc). The Flagship Rewards gives you 3x points on travel (airline, hotel...etc) and 2x points on all other purchases. Use the More Rewards for the 3x categories, use the Flagship for travel and everything else. Points can be combined. More Rewards has no annual fee, no foreign transaction fee, and 30k signup bonus. Flagship has $49 annual fee (waived the first year), no foreign transaction fee, global entry/pre check credit up to $100, and 50k signup bonus. In my opinion, this is the best setup outside of Chase.
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As of the date of this comment, they have removed the SUB’s and replaced it with a 1.99% APR for 12 months with no BT fee. The hope is they bring back the same SUB’s after the offer ends on 3/2/20.
As mentioned in the other comments, the More is now a super-competitive card, compared to when it was reviewed at the time of this video. Now, it could be argued that it’s on par with the Propel.
Assuming the SUB’s come back to what they were in this video, our recommended optimal strategy for NFCU is the following:
1) Cash
2) More
3) Flagship
4) PC Cash to Go
We won’t go through all the reasons why this is the optimal strategy as the SUB’s and point structures are pretty straight forward in the video and/or on the NFCU website.
That all said, based on the suggestions in this video versus the suggestions we made, we disagree with the idea that the Go and More are bad cards, but concede that a part of that reasoning for Jake was due to now dated information and the notion of carrying balances.
Finally, three closing comments:
a) keep in mind that NFCU limits you to three (personal) cards
b) the Platinum Card is not recommended because there are countless other offers out there that are 0% for up to 21 months.
c) the Secured card is not recommended because, like the Platinum, it burns a slot for the optimal strategy. Plus builders are better off going with something like the Discover Secured for better rewards, while rebuilders are better off saving the NFCU slots and going for the SDFCU Secured card, which is arguably the best secured card on the market.
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Hi Jake, I think you are really good at explaining things—with graphics and all... I want to request a video from you; I recently attained the Chase Marriott Bonvoy Bold card, and I am confused on how I can maximize the best value with this card. First of all, I cannot seem to understand how the points and the elite nights work. I read or misread in the exceptionally long rules & restriction section on Chase’s site about the points and the elite nights and I’m more confused. Therefore, can you make a video showing how to get the best value, or if it has any real value? Keep in mind that I do not have the finances or credit history to qualify for the high-end trifecta cards from Chase and/or AMX. I’m hoping you can help those of us who cannot get those cards, with a combination of no annual fee cards that can help with hotel and travel. Just to give you an idea of where I am in the “card game;” I already own the top cards from CapitalOne: the Savor card (annual fee waived—I was “grandfathered in”), the Ventured card ($95 fee), the Quicksilver card (no fee), Bank of America Cash Rewards card (no fee), Chase Business Preferred Ink card ($95 fee), and the card I’m asking about; the Chase Marriott Bonvoy Bold (no fee).
I really can’t afford another annual fee card at this time. Thanks for doing these kinds of videos, they are so helpful.
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1.) Choco pies being used as currency in North Korea is a joke (duh). And no, it's not more valuable than gold. Anyone with money and access to a store can buy a Chinese copycat product... it's the same with smartphones and all sorts of "luxury" goods. Like you said, these elite guards are the best of the best, and would therefore have access to these goods, lest they defect as they get tempted by the same from South Korea - just within running distance from them.
2.) Shocker: thousands of North Koreans already work, not just in Russia, but in Western countries like Poland! Guess why they don't defect? Because their whole family goes to a labor camp. That's why. North Korea knows how to use psychological tricks to keep people loyal, and they would never ever send unmarried men to a foreign country - case in point: North Korean hacker camps in China, loggers in Russia etc.
3.) North Korea is absurd only because of the many myths that keep circulating about it. I know information is hard to come by, but use some common sense as well. Worst case scenario use the psychological state of those that lived in the Soviet union as comparison - all the stories are accessible now, and we have a pretty solid idea of how the "mind games" worked, and continue to work in modern Russia. You should also know that because of the absurdity of the country that is NK, so are it's people to an extent - just look at Yeonmi Park and the constant lies she tells: from the most obvious one that she never received any plastic surgery, to her constantly changing story, making it more and more extreme & emotional - all of it btw is on video record and is easily accessible on YouTube... I mean in a country where everyone pretends that their leader is a Jesus that never defecates and another that descended from haven, such small lies are nothing in comparison... point is take everything about North Korea with a grain of salt... and use common sense where applicable.
4) I'm 5 minutes in and I gotta say I'm disappointed. Yes it's unlikely North Korea would send "volunteers" to fight in Russia, but not because of the reasons you stated. Heck even Belarus didn't want to join, and Kazakhstan openly opposed it - two of the most loyal states to Russia. Now talk about NK: the most isolated and self-centered country on Earth that can't even maintain good relations with their only friend and neighbor China.... yeah sure. No.
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Terrible story about the pizza place getting blown up, but I was glad to see they serve the best beer in the world - Carlsberg. May they rebuild and continue! I think saying Russia is a state sponsor of terrorism is not correct. They are a state COMMITTER of terrorism, which is even worse. As for the young Russians celebrating in that club, I wonder how much they actually know what is going on, their only source of information is Russian state TV. On the other hand, my mother who was a little girl in Nazi-occupied Amsterdam, has always maintained that the German people knew more about the Holocaust than they ever admitted later.
Speaking of junior officers, there is a scene in the great film Downfall (you HAVE to watch it!) near the end. The Russians are surrounding Berlin and one general tells Hitler he has a plan to break out. He says “My Führer, as a soldier, I suggest we try to break through the encirclement. During the fight for Berlin, We've already lost 15-20,000 of the younger officers.” Hitler says “But that's what young men are for. Your suggestion is absurd! Insane!” I wonder if the film of Putin’s downfall will be a historical rhyme.
Canada legalized cannabis in 2018, with no societal ill effect. My theory is that everyone who wanted it could already get it illegally anyway (I know I did.) The biggest problem seems to be the crash in value of the publicly listed cannabis companies, after the short-lived boom.
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I think you hit the nail on the head. What Ramsey isn't considering is the opportunity cost of renting. As you point out, rent goes down the toilet as far as your asset accumulation is concerned. For most people, a house is the largest purchase they will ever make that won't (on average) depreciate over time. Just bought a $100,000 car? Drove it off the lot? Now it's worth $90,000.
For veterans who can get a 0% down, government backed loan, that they don't have to pay PMI on, the deciding factor about whether or not they want to buy or rent should be the optionality of moving frequently. Renting is great for those of us who move a lot, especially military families. I've owned 3 different houses over a period of 9 years, which means I've probably lost a lot of money on all the transactional costs associated with buying/selling a house, vs if I had simply rented instead. The problem is that I always assume "this is gonna be the house I own for the next 20 years", then something comes up, and I end up moving.
In the long run, if you can settle in a house for 5-6 years (the break even will obviously depend on multiple factors including rent prices, mortgage rates, and all of the fees associated with buying/selling houses) it will most likely be advantageous to buy a house with no money down (assuming you haven't been able to save a large down payment) than to continue renting until you've saved enough for a down payment large enough to avoid any funding fees or PMI if you go with a conventional loan.
Also, you need to consider the value of that optionality. When renting, you can just move out as soon as your lease is up, or find a sublet and it costs you virtually nothing to do so. Which means there's value in that emended "option" of renting. You're putting the risk of vacancy on the property owner, and like any risk, the property owner needs to be compensated for accepting it. If you ARE the property owner (you bought instead of rented) then you are accepting the risk that you might need to move at some point, so your mortgage should be less than a comparable rental. If that optionality is something you don't need because you are very confident that you won't be moving again soon, then buying is clearly a better option. And not waiting forever to accumulate a down payment is most likely better than continuing to throw your housing money away on rent.
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Another good one Jake. I know you don’t like to get into politics (like Michael Jordan said, Republicans buy shoes too), but it’s too bad the Republican fringe seems to be pro-Russian for some inexplicable reason. Of course Ukraine is corrupt, it is an EX-SOVIET REPUBLIC, but Zelenskyy was elected to fight that. While any one House member can force a vote on the speakership (not immediately remove), they went through that psychodrama once and I don’t think they will make any attempt to oust Speaker McCarthy who really should have at least clapped for Biden’s Ukraine statement. The Dems have their own weird fringe on other matters, surprisingly not on the Ukraine issue. Has anyone asked Bernie Sanders what he thinks about this? Still, a large majority supports Ukraine and that is what matters. And what about those Episcopalian space lasers?
You mention the return on investment supporting Ukraine. The world has seen that they suddenly need advanced weapons against aggressors like Russia and China, and they are seeing how they perform in the field. Russia is losing most of their arms market to western countries now. All Russia can make that works well are AK-47s.
Apparently Canada has Leopard tanks, which I did not even know. The best thing Canada can do with our military hardware is send it all to Ukraine. What are we ever going to need it for, defeat a US invasion? It’s a bargain for NATO, the West and civilization in general to help Ukraine degrade the Russian military to the point where it can no longer threaten anyone for years to come.
Also agree on the empty threats Russia issues every time more systems are sent to Ukraine. They don’t do anything because they CAN’T. They already blew their only wad by halting energy sales to Europe, who are learning out how to do without. What are they going to do, nuke a NATO city like London? Even if Putin orders it, everyone in the chain of command would know it is a first strike, it’s not a retaliation, and it is a death sentence for all of them. That’s why MAD has worked for 60 years.
Speaking of Putin’s body doubles, remember what happened to Stalin’s doubles in the great film “The Death of Stalin.”
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Nice job Defender. My question would be, if I could still ask. After Ukraine takes over Crimea, what do you think will happen to the Russian population there, that relocated after 2014? How do you think Ukraine will deal with that situation? Secondly, during the Crimean offensive, Russia will be playing the victim card with their own civilians in that area and the Rusky Propaganda will be in overdrive, how do you think the rest of the world will react to that? Undoubtedly, there will also be Russian civilian casualties in Crimea. Do you think Ukraine would go as far as giving those civilians in Crimea refugee status, when the war is over, or do you think they will be automatically deported back to Russia? Thirdly, when the Russian Empire finally collapses and civil war sweeps their lands, do you think Ukraine will accept genuine Russian refugees coming to their border, which are trying to escape the conflict? Thanks in advance.
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Great breakdown of the cards Jake! I got the Sapphire Preferred last year as my credit was very young, and I probably wouldn't have been approved for the Reserve at the time. One thing I did want to mention that very few know about is referral bonuses. With the Sapphire Preferred, you're able to get 15,000 points for each referral you do with the card. It's a bit of an unknown fact, however, that you can't refer the Reserve card (they stopped allowing referrals on it a while ago)! I was initially planning to upgrade my Preferred to the Reserve, but over the course of a year, I'm easily able to refer at least 2-3 friends and earn 30-45,000 points that way, which by far outweighs the 3x categories and credits. I'm confident I can get another card with Priority pass, so maybe I'll go down that path...
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Imagine a sculptor who is very ill and very old, but each day for many years, the sculptor shapes the block of marble or granite into what will become the final object, crafted with effort and precision, but at the expense of the last amount of life and sanity left in the sculptor, until one day, the work having been carved up and chipped away at for such a long time, and having been crafted into as close as can be toward perfection, and having finally completed his effort, the sculptor ultimately dies, while the object that had been created is given birth. It's easy to see that Russia is the Sculptor in this Allegory, and that the work of art is a Free and Democratic Ukraine! Bombs and tanks and guns do not destroy Free Nations; they help create them! 🗽 - j q t -
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Thanks! Jake, I understand that violence is not the answer; and we must not impose our ways of life on others. But every time there’s a war going on; we Americans always get the blames, because we refused to let women & children died in crossfires; or sides with countries who inspired to live like us. These people suffered greatly; because their idiotic leaders chose wars as a way of life. If you lived by the Shiite or Sunnis; these two brothers will stopped at nothing to cut each other’s head off, and expand it’s territories. And if you are a neighbor of Russia, they are relentless in their pursuits to take over your land; and brainwashing your kids to becoming like them. They loved to start conflicts and point the finger at the Americans just about every time. Sometimes I get very negatives and I just want the US to go and teach them a lesson; kicked their ass so bad like within a matters of a few days their threatening government would toppled. But then I waked up real quick the devastation the women and children will go thru when men’s start to used them as shields, because this is not a secret anymore if you want to beat the US just start slaughtering your own people and you win! Okay my brain is hurting; but these people like Putin and them; have totally forgotten that it was a women that gave birth to them. How proud can you be when you sent a missile to unknown territory and killed women, seriously I mean nothing is more important than her! I just want to go over there myself and grabbed him by the throat and shake him; “Stopped killing women and killing you moron!” I’ve become a monster… Just kidding my mom will kill me if I ever did that! She’s brought me here to the US to get an education and made a better life for me. And she’s going into her 90’s and only has a few more years left, and still tells me I don’t don’t want you riding your bike at night cars can hit u… Jake, she never stopped being mother even if I’m 50 years old, I loved that girl! Better get your act together Putin, because when my mama is gone there’ll be nothing left to stopped me from coming over and shake your neck!😮😢😊😂🎉 Peace to Ukraine I will never stopped sending anything in to helped them!
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Greetings, Mr. Broe. Over the last few weeks I've gotten the distinct impression we're not exacttly on the same fence side, politically speaking. Yet, I've never, and being in my life's eighth decade, I do mean "never" have I found it necessary to condemn or, for that matter, cut someone loose for their political perspectives.
Indeed, Tucker Carlson is a case in point: You're certainly more aware of whatever you've said about Mr. Carlson, but from what I've witnessed you tend toward disliking him intensely. Now, both you and I disagree on his Ukraine perspective, about which I think he has recently somewhat softened, BTW.
One such reason: he's started gatheing more information on the "Russian Orthodox Church," which Ukraine, shall we say, "muzzled" and justifiably so. He has admitted to now understanding why a "Christian" church faced the wrath of Kyiv.
I'm not acting as his unofficial or official mouthpiece, so this is where my conversation about Mr. Tucker comes to an end, save: I mostly agree with Mr. Tucker, yet with whom I also have more than one bone to pick ... for sure.
Actor Christopher Reeve, with whom I became enamored after seeing him perform in a side-splitting comedy named "Noises Off." Nine actors, that's it, no crowd scenes, nobody other than the nine cast members that included notables like Michael Caine, Carol Burnett, John Ritter and etc.
Sadly, while participating in dressage Mr. Reeve's horse unexpectedly hit the brakes very quickly and Mr. Reeve soon was sailing over the horse's head and impacted the ground in such a manner as to snap his spinal cord just below its exit/entry point from spine-to-skull.
Mr. Reeve was, to me, one of the best actors of his time and I saw just about every movie in which he performed and, yes, even "Superman" but his career was suddenly gone, too.
Still, Mr. Reeve and I were polar opposites when it came to politics, before and after his accident and even though I, too, suffered a spinal cord injury when I was five.
Frankly,, I think a part of our problem today, as the United States, is an inability to see the good in folks with whom we may encounter, whether through the "small screen" or "big screen" or in real life.
Which brings me to you - kinda, sorta.
If I may be frank: You work your fanny off. You bring to me and many others a varied and rich subject matter nearly every day, I believe without exception.
I did not see or make use of your evident talents in the financial markets, from which I retired in my late 30's and thereafter mostly played golf daily, but squeezing-in such activity ONLY after this primary caretaker of two children, chaufered them to and from (public) school, doctor/dental appointments, golf lessons, tournaments and etc.
When the Russo-Ukraine War broke across my TV screen about a year ago, I searched for, and found, some guy by the name of "Jake Broe."
You do provide me, and a bunch of other folks, a seriously good synopsis of the Russo-Ukraine war and, as you are hopefully aware, I've since been with you, often weeping at the end of nearly every show when displayed are the touches, even in the midst of killing, that make us human.
Yep, you work your fanny off, Sir. And I am appreciative of such today, in the past and, hopefully, in the future despite whatever political differences we may have.
Thank you for your efforts as I am sure such makes for a full day and I wouldn't be surprised to learn you've pressed against more than a few deadlines. Indeed, methinks the hardest job in the world is the one undertaken by one's self.
Later,
DC
Actor Christopher Reeve,n
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Great video Jake! I love you putting together these multi-card setups and running the numbers.
I put together this setup earlier this year. I definitely recommend it with people able to get that boost of percentages.
With the Premium Rewards, I found the travel credit to work very easy for both the TSA and airline incidental.
For the Cash Back card, it gives you a dash board showing you which category you've been spending so you can change accordingly. It changes instantly, but locked until the end of the month.
The Online category is very broad. I've had it work on Amazon, Paypal, Target, even rent once. So having one online card, it simples things out. As long as your spending is below the $2500/quarter.
The foreign transaction is 3%, so it lowers the 5.25% to 2.25%, similar to the Chase Preferred, but not as many travel benefits like the car insurance.
I am in the process of changing my BoA Visa Travel card into their Cash Card, which is normally a Mastercard. If it works out, setting it to Gas. At 5.25% gas and 3.5% at wear-houses beats the Costco card at 4% and 2% respectively.
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Things were far worse a year ago, all I had was a gross local deli near our Jr. College, a town with 50K population. We tried the sandwiches, the wraps, salads, inedible. Eventually we had to settle on boba Thai teas... Now I have 12+ options, including a Greek restaurant, Denny's, KFC, Mexican, and more. We can also do Boxed.com about every 6 months to bulk buy "healthish snacks", product Costco doesn't carry.
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Yeah I think Amex makes sense if you are getting value from the credits, if not its not an simple setup so for least effort, there are better choices... I typically recommend a Bank of America cash back setup to family members who want something which has high earn and low annual fees without much effort. BofA is awesome as a setup that you can set and forget, especially for people with significant assets invested in retirement or education savings in Merrill Lynch.
Another thing to consider is how many people you have in your family... Due to the higher earn rates on Amex, if you have say a family of 4 with dual incomes, and your spending is up to 4 times that of a single person living alone, the Amex setup starts to pull away from Chase as a higher performing setup given higher spend... Also with a family of 4, you use the credits more easily, like dining credits, airline incidentals, lounge access, etc. and the annual fees are still fixed so I think Amex becomes much more lucrative... The other advantage of Amex I think is that they are generous with referral bonuses and retention offers so even after year 1, referring just a couple people to amex each year, or even referring other family members can easily zero out the net annual fees...
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Seeing ethnic minorities, invalids/special needs/ addicts/ older citizens, impoverished people from russia and from disadvantaged countries, seeking a better life being tossed into thekremlins first line of disposable citizens is physically painful to watch... this alone should have people over the world protesting, and human rights advocates and agencies making noise
But to see.the Nepalese🇳🇵 in Putins war has to be another low below the sub ground bar they already hit in Feb 2022.
Please well meaning protestors around the world, back a cause that the dictatorships DON'T want you to be exposing, be brave, and actually make a difference!
It's awful what's happening to the Palestinians, but energy in visual protest is being used for political campaigns to divide citizens, cause chaos and further the oppression of nations -go underground with Palestine support, and shout out loud about the countries being bulldozed over by dictators.... there are a lot!!! Pick one, and stay with it to the end, if it's not in the news, it's the right one to pick!.... fluffing about on any bandwagon that pops up is just putting the people you claim to want to help in prolonged suffering.
I love your work Jake👊🏼
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Like a bank, I can go to a Schwab brokerage office and get a cup of coffee. I have never used their advice, but they are always open to anything. They have a lot of services, and broker locations, but NOT a lot of bank locations. So you have to be comfortable with an out of town bank. They have Chat, 800 number, and on-line banking services. They have always been courteous and helpful to me. I also recommend them, but also, besides Schwab, have a local bank, etc. and a personal financial advisor.
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Many of the more serious channels I watch have these issues, Speak the Truth, China Uncensored, Denys Davdoff, and many others. Funny how obscenely evil actors like Putin and the Chinese Communist Party end up getting protected because Youtube doesn't like serious topics. I support those Youtubers who I find to be making the truth their main goal. I have some that I support at a pretty substantial level. There are a number of options like Patreon, Buy Me A Cup of Coffee, etc.,. And while I don't like how much Youtube skims off of the donations, live streams with Superchats can also generate some income. I suggest limiting comments during live streams to subscribers or perhaps patrons to keep the stream from being trashed by trolls. One trick is to have two channels. Keep one squeaky clean and use it to steer traffic to the "adult" channel. Speak the Truth uses a podcast in that role, but the problem with that is it forces viewers to seek out an additional platform. To be honest, although I still support him on Youtube, I have never seen the podcast. If he had used a second channel I would be watching that. Vlad Vexler for instance has multiple channels on Youtube which I watch. If you provide a funding channel I will support you. You could also put your "adult" channel on some other platforms like Nebula who allow actual grown up discussion. Good luck.
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I appreciate when you talk about US politics, because your country is often first with the last and other democracies can learn from your mistakes.
In my opinion, it is a misconception that the people grab the power, the people can get it if the conditions are right. If you look at history, the people are used to being ruled by autocrats (kings, nobility, priests...) who enrich themselves from the people. In the event of economic crises due to e.g. famine, pestilence, war... there is a chance that autocrats share power and money with the people to get the country back on its feet. Slowly but surely, a middle class is created that can make more demands on the autocrats and if it works, democracy can be formed. Some of the autocrats, today's billionaires, only think that the power to the people is on short term loan, which is why they want it back and the means for this is money and they buy many marionettes who manage their affairs to return to the historically normal distribution of power, i.e. autocracy.
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I asked AI to help me write a THANK YOU poem to you Jake, for your super smart reports about Ukraine!
In the realm of truth, where knowledge finds its throne,
There's a beacon named Jake, with wisdom brightly sewn.
Through the digital waves, he imparts a sacred light,
Unraveling the tales, of Ukraine's courageous fight.
Oh, Jake Broe, you guide us, with erudition's grace,
Each update a testament, in this tumultuous space.
With eloquent precision, you dissect the tangled web,
Revealing hidden truths, with every word you ebb.
In the heart of your vlog, where intellect takes flight,
You paint a vivid canvas, of Ukraine's resolute might.
With a scholar's keen insight, and a storyteller's skill,
You navigate the waters, with a tireless quill.
Slava Ukraini, in your verses brightly gleams,
A homage to the brave, who chase their lofty dreams.
You amplify their voices, amidst the clamor and the din,
A champion for justice, in a world so full of sin.
With gratitude in our hearts, we celebrate your quest,
For shining light on darkness, and giving truth its crest.
Jake Broe, a heartfelt thanks, for the knowledge you bestow,
In this ever-changing narrative, you help truth to grow.
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Please look at that long term chart again. If you were in the S&P 500 in 1999, it did not recover until 2012. Yes it recovered, but it took 12 years. Many people, especially older people, do not have a dozen years to wait. Especially Boomers now looking retirement.
Is this time different? Just read this: Google "Ohio Department of Health believes 100,000 Ohioans are carrying coronavirus." It says that "That number accounts for around 1% of Ohio’s population." and that "Cases expected to double every 6 days." I state this not only because I did live Cleveland, but also because to me what goes on in Ohio spreads to other States across the USA. This is absolutely unprecedented certainly in my lifetime.
Alarmist? Perhaps. Personally, my cash flow is in my R/E rentals (that I brought after the 2008 crash) and I own not a red dime in stocks at present. That said, I am now amassing as much cash as possible. We do agree that there will a turnaround in the market. Personally, I suspect it will begin after 16 months, once a vaccine has been created (reference: CDC).
After the crash, and not during a crash, is when fortunes are made.
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Good list. Same as most of mine besides the Target card.
Discover It - 5% Rotating
Amex Blue Cash Everyday - 3% Groceries
Wells Fargo Propel - 3% Dining, Travel, Streaming, Gas. Free Phone Insurance.
Ducks Unlimited - 5% Gas, Sporting Goods
Capital 1 Savor One - 3% Entertainment, Dining
Citi Double Cash - 2% Everything Else
*Amazon Store Card - 5% Amazon
*BoA - 3% on 1 of these categories: Gas, Online Shopping, Drug Stores, Home Improvement and Furnishings, or Travel
*Amex Blue Cash P - 6% Groceries/Streaming, 3% Gas/Transit ($95 Fee)
*Nusenda Cash Rewards - 5% Rotating
*Chase Freedom - 5% Rotating
*US Bank Cash+ - 5% on 2 of these categories: Fast Food, Home Utilities, Phone, Ground Transportation, Sporting Goods Stores, Clothing Stores, Gym/Fitness Center, Department Stores, Bookstores, Furniture Stores, Electronics Stores, or Movie Theaters.
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Hey Jake, im only 15 minutes in so forgive me if you change it up later in the vid, but id like to give some advice. Im really liking this video so far, good questions and great answers by your guest general. Where i think you could improve is mainly by having a little bit of discussion about the guests answers. I dont expect you to debate them by any means, but im sure you have opinions on what the guest has said and by having a short retort from yourself would make it feel more convosational rather than question, answer, question, answer(feels a bit like im wating a job interview). Again, i love the content, please keep it up, im no expert in this but i feel this would really improve the feel of the vids. Thanks!
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Bravo, Mr. Broe, bravo! Gen. Hodges is a Product of Quincy, Fla., often refrenced by folks from that part of the woods - NFL Hall of Fame Inductee Jack Youngblood is another example - as his or her "Big City" birthplace. While Quincy is hardly big, it at least had a hospital when Hodges and Youngblood made their wordly debuts. Nevertheless, I note that you missed using "Sir" twice in your question leads - and you call yourself "Mon Capitan." A disgrace! Anyway, I recently saw Gen. Hodges on a Perun presentation and Perun did much to demonstrate those on YouTube weren't braindead at birth. Given Gen. Hodges reactions on your QnA I can say without pause that you did nothing to diminish his thoughts. Much to the contrary, the man was impressed. So, too, was yours truly, though I doubt my life's station to be even roughly equal to that of the General. Thanks for a most excellent presentation, Jake. Darn good work, Man. - Later, DC
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Delta Platinum card does have a companion pass, that the whole point of getting it. The AF is going up from $195 to $250, but I'm keeping it. The tickets I typically get are $450-700 in value, so it's a no brainer. Side note, for the AmEx Platinum which you stated was better card, keep in mind not only are the travel credits not good for airfare 👎 (incidentals only, as you stated), but you need to pick the one airline in advance. In MSP (of any city that has an airline hub) this is great, it's an easy choice. If you live in a city that doesn't have a hub so it's harder to be loyal to one airline, this airline incidental credit becomes even harder to use. CSR with the Chase UR points and trifecta program to earn points and UR to redeem points is most likely better, and a lower AF too.
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Hello Jake, thanks for the update - fascinating stuff going on. People alive today in 30 years will look back and reminisce about the collapse of the Russian Federation and the events leading up to it - much like those today who recall the collapse of the Soviet Union. Should we call this "the re-collapse"? Honestly, did not foresee this as the result of the intensification of the Russian invasion of Ukraine on Feb 24, 2022. But, here we are. I think the Russian people will live better lives if the Russian Federation dissolves and they can get actual, honest corruption-minimized democracies (plural!). Sound unlikely? Well, if someone told me on Feb 24, 2022 what would be going down in 15+ months, I know I would have though that unlikely as well.
Rublevka is Russia's Obersalzberg.
However, I'm pretty sure Obersalzberg has better views.
I'm pretty sure the drone raid did not launch frome Ukraine - instead it launched from very close to Obersalzberg ... errr ... I mean Rublevka.
I'm also pretty sure that Ukraine is not directly responsible - instead it being from the LSR and/or RDK. Perhaps they are just waiting for the kremlin to make some ridiculous claims before claiming responsibility themselves.
Regarding the Kerch bridge - I'd like to see more photos to see if those cracks are the general condition, or an isolated case. However, perhaps we don't need StormShadow for it - maybe just the Mark-1 StiffBreeze will do the job. Here is a crazy idea - what if it turns out that the "attack on the Kerch bridge" was all just an inside job - to save Russia the embarrassment when it collapses on its own? 🤣
Slava Ukraine (and the LSR & RDK) and Defeat for the orcs!
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hi Jake, let me put it this way connecting with what you said on previous videos.. an example, if you have already reached your retirement number goal, where you said that whatever you earn later would be invested to other stuff like new cameras, etc.. instead of doing that, some folks buy dividend stocks where they earn extra money every quarter (when dividend stocks usually payout dividends).. i am not saying you have to buy 1 over the other.. however, when the market is down for everyone, you should not disregard dividend stocks just to focus on growth stocks.. example of exxon (again) since they are averaging before at 80$ per share and they are down now, when you buy them and market rebounds, you double earn with the price going back to 80$ per share rebound, plus the dividend... i have not analyzed it fully yet, but since you are a schwab client, you can take a look at their high yield dividend etf where i think it has the US 100 dividend stocks..
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ok, since we've come upon a new year(decade) it looks like this card has changed; I've been using this card for years while traveling, saving me 100s of dollars in ATM fees BUT after the first month of January 2020, where is my ATM FEE rebate on the 2 ATM transactions I made??? hmm, how do I explain this? I did the math and I know I was charged something because the difference between the "official rate" and the rate I was given according to the USD's pulled from my account, were $4 and $2. I contacted CS through chat, here's the chat:
"2:38:23 AM : Bruno M.: 01/27 1,000,000 Columbian Pesos X conversion rate of .00298170 = $298.17. No fee was charged. The US dollar equivalent was deducted.
2:39:44 AM : Bruno M.: 01/31 900,000 Columbian Pesos X .00294544 conversion rate = $265.09. No fee was charged. The US dollar equivalent was deducted."
REALLY?? NO FEE WAS CHARGED??
Both of these conversions rates were slightly higher than the "official rate" which is what I believe is the banks work around for these ATM fees. No coincidence these differences were about the same as an ATM fee. Also, the ATM receipts show "no transaction cost'' or "no commission" which turns these transactions or "ATM rebates" into an issue of semantics. Yes, what I'm saying is we're being duped into believing this card has this amazing feature but it only comes into play if the bank you're withdrawing money from labels your transaction as an "ATM fee" or an "ATM commission", which looks to have been removed from their systems vocabulary. CS doesn't claim to rebate bogus exchange rates. Also, during both ATM transactions, I was asked if I'd like to see the fee, I press the "YES" button and I don't see the FEE(b/c there is none) and my transaction is being completed, grab your money, don't forget your card. BTW, these ATM withdrawals were executed at 2 different banks(Scotia and Banco pinchicha) and I've been traveling extensively for the last 7 years and I've never NOT been charged an ATM fee, NOW all of a sudden banks(2 different banks in this case) are being generous and not charging ATM fees when I'm using my US debit card, doesn't make sense.
I'll continue to investigate this; I'll try other banks, but in the past I've always been shown the actual ATM fee on the screen before accepting an ATM fee, so, if this isn't shown to me, I'll cancel the transaction b/c I'll know I'm being given a bogus exchange rate, I suggest you do the same.
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20:30 No, you need to stop ignoring and denying I'm saying about the UN. The UN is forcing Ukraine to be dependent on US and Nato. That is polarising the rest of the world against Ukraine. The UN should be sending in peacekeepers from all nations to escort the invaders out, clearing the skies and telling Putin he is dead meat if his forces touch the peacekeepers. Whose he going to nuke if the whole world stops him? More important, how's he going to buy support if he can't offer supporters "get out of jail free" vetos? Russia is bankrupt. It can't afford to give away its oil, it has to pay for extraction and shipping. Who is going to buy its oil if Russia is not there to veto UN sanctions? (binding, not discretionary like the Nato-led ones.)
Jake, stop disregarding my comments. Read them.
"The essence of propaganda consists in winning people over to an idea so sincerely, so vitally, that in the end they succumb to it utterly and can never escape from it." - Joseph Goebbels
This is what has been done to you, and the public about Russia's non-existent "veto". The UN bureaucrats and western administrations know otherwise. The MFA of Ukraine has been lied to and has mis-led Zelensky. The true facts are there, for anyone who looks, to see. I have listed them in my other comments.
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I agree that the errors strengthen your argument, and had never really compared these to the charge cards. I have the Delta Business Plat, for the companion pass, luggage, and to keep silver status (25K spending a year for 10,000 MQM's). I won't buy anything unless it at 1.5X.
Having the Business Platinum Charge Card, I would rather book an $800 flight with 52,000 MR points (35%, 80K - 28K), earning miles and status on the comped flight. If I transfer those MR points to 52,000 Delta Miles, I'll only have roughly $624 in value towards that flight, minus having to pay $31.20 in excise tax, earning zero miles or MQMs on that redemption.
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Thanks Jake for the logical argument for postponing ATACMS. I still think there have been and will be occasions where their presence and/or use could deter or counter Russian attacks. They would need to be a part of a strike package that would burden Russian AD, improving the likelihood of success while also improving the survivability of any piloted aircraft in the strike package. While Ukrainian AD and heightened electric utility repair capability can do a lot this winter, there may be something to ATACMS presence and use that could improve winter conditions for the Ukrainians. ATACMS could also pose a threat to MIG-31 bases. Currently MIG-31s and their very long-range air-to-air missiles provide a very serious CAP, limiting UAF operations. In the months ahead this CAP could begin to enable the re-emergence of Russian air power as Ukraine draws nearer to Russian borders. MIG-31s are also very fast, presenting a challenge for UAF AD. Like the ME-262s of WWII, their vulnerability is when they are low on fuel and on RTB or are in the open at their base. Not only the aircraft but their supporting base infrastructure would be more exposed to ATACMS as part of a strike package of UAVs, decoys, ECM, and HARMs. I'm not sure how the MIG-31 threat can be dealt with without threatening MIG-31 bases long range. F-16s do not match the air-to-air missile range of the MIG-31. It really takes F-22s, maybe F35s, to sneak up on a MIG-31. The downside for the MIG-31 is that it is not stealthy and it cannot turn hard to evade a missile. Ukraine can usually know where they are. Checkout Ward Carroll's latest piece with Justin Bronk.
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Here's why I went with AMEX Blue Cash Everyday over the Preferred:
1. Yes, BCP gives you 6% cashback on supermarkets (not groceries, we'll get to that later) HOWEVER, the marginal benefit is really only 3% cash back since BCE gives you 3% cash back without the annual fee. So really, it's only that extra 3% that should count towards the $95 annual fee when you do the cost-benefit analysis.
2. If you do some grocery shopping at places like WalMart, that won't count since it's not considered a supermarket.
3. 6% cashback on streaming services is great and all but I wouldn't utilize it. The only streaming service I use is WWE Network and it's not on their list.
4. 3% Cashback on gasoline sounds good but again, there are cards that give you 2% with no annual fee (e.g. your Citi and Amazon Prime as well as BCE) so the marginal benefit is only that extra 1%
5. Not to mention, the BCE card looks so friggin cool
So for me, does the marginal benefit overshadow the annual fee? Maybe, maybe not, but in all likelyhood I'd have to force myself to spend more than I would normally to make it worth it which kind of defeats the purpose.
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For some reason Mr. Kirby doesn't like what he's saying, and/or doesn't like having to say it. I mean, unless he stutters and stammers like that all the time? If he's always that halting, I would wonder why the Pentagon of all places didn't find someone who could deliver news more smoothly, and if he's usually smooth, then I'd say he really does not like what he's having to say. Kinda reminds me of a kid explaining just exactly how that window got broken, or who spilled the chocolate milk on the brand new white carpet. Hmmm.
The idea that this item has been "Under development" for a while, and now they're rolling it out sounds like maybe it's not really quite ready yet, but they're going to push on through anyway.Maybe some sort of technology we haven't seen before? If that's so troublesome, then why did he have to even say Phoenix Ghost, if it upset him that much? Coulda just been vague and said "We're sending a lot of drones," or something. No, they're giving a little foreshadowing with the specific mention of Phoenix Ghost.
And yup, Jake, I agree, we might be seeing some leaked video in a week or two. Interesting Times. Hand me that popcorn, willya?🍿
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Sorry. Confused. Many of those ETFs have top 10 stocks consisting of 20% or more (~40% or better) of the entire portfolio. And these top ten appear really similar from ETF to ETF. Often the top 10 can include Apple, MSFT, FB, P&G, Intel, Visa, Goog, Birks Hath, etc. Now therefore, if you get a bunch of ETFs, and they all have say APPLE and Goog (or any of those big names) and those single companies fall, then I assume that the entire ETF too would fall. Eg: VTI is called the Total Stock Market ETF. However, 10% of its holdings are MSFT, APPL, AMZN, and another 10% are in only 7 other companies (20% total). Therefore, how the ph**K is this the Total Stock Market? Should the tech sector take a dive, and those few tech stocks go down (yea improbable, but stranger things have happened) then the entire ETF, and countless other ETFs that are overly weighted in those few stocks will also fail.
Am I wrong? #Confused
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30yr old Hungarian here, who migrated to Germany. Thank you Jake for your devotion, your work is invaluable.
Even if I don't like Trump or his supporters, I'm sorry for Cory, who lost his life in this assassination attempt. I despise Trumps MAGA ideology, but I was shocked as well and I'm glad for him that he survived. This is not the way of a healthy democracy, this is a barbaric act. And I am sorry that you have to deal with those disturbing news in a daily basis.
You can call me a crazy conspiracy theorist, but something feels of about this incident and makes me feel very sceptical... How was it possible that the 20yr old shooter, who didn't seem professional to be honest, such a clear shot on the former president, multiple times? Why was he able to get access to that close building? Lot of people state he was spotted minutes before the shots, but there was no reaction from the police or the secret service... For me this has a very shady taste to it... And I'm not the only one who thinks that way...
Nonetheless, you are very tough, you inspire me with every video you release and keep me well informed. Stay strong and stay safe, you are a good guy 😊
Free hugs from Germany, Slava ukraini, heroim Slava 🤗🇩🇪🇺🇦🇺🇸🏳️🌈
(And sorry for the long message 🤭😅)
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Been using Schwab since they charged $29.99 per trade, back 1990s. Have been out of this market since The Dark Orange Overlord took power, January, 2017. Then the Market was at figure 20,000, and today, with recent crash we are at 21,200. Once the magical marker of 20,000 is hit, the Trump market would have lost 100% all its gains.
There will be a rebound. However, I could see this market going to 15,000 (which could take us back to 2013) or even Dow 10,000 (which would take us to 2010, or even arguably 1999) ----- damn I do miss the year 1999. Anyway, there will be a time to buy in. However, for the now I will still be waiting on the side.
What people do not realize is that the best money is made after the crash. Not during the crash.
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Jake, I am truly sorry that you have to change your focus and move it to the Ukrainian-Russian war, including other internation concerns. But this is your field and I respect that. And I find your assessments on the Ukraine War in general helpful and Illuminating. Hopefully you will come back some time in the future and discuss investments in the Stock market and the economic assessments that might affect it, once this war is over. I have just discovered your investment channel *sigh*. I hope you will keep your previous investment videos up, so that I may glean some interesting knowlegdge from them.
I am a member of an investment group that contains options traders, short term traders, long term traders and long term investors. Some times they listen to me. :) But basically I told them that until this Ukraine War has resolved itself (hopefully to the benefit of Ukraine) that I will not invest in this market. I am like you, my portfolio has dropped at least 25% but I will not panic sell, because my companies are still profitable. So I am sitting here, hoping for a positive outcome to this war. I think that once this war begins to resolve itself, I will start looking for bargains that will help improve my portfolio. But until this happens I going sit on most of my investments, and be patient. So thankyou for investment research advice and hopefully we will see you back some day. :)
As to this the content of this current video you were bang on. I agreed with most of your points. Lets hope for a quick resolution to this Ukraine War. For your information, I just read that Ukriane is preparing a major offense sometime around mid june. I hope the west is sending as much equipment as possible to assist the Ukrainians in the offense. Thank you, again.
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Very helpful video to many, Jake, and entertaining too. I was in real estate for many years in Calif, and as I remember, 40% of buyers had co-signers, usually, the parents since on their own, didn't even have 50% of the loan monthly payments, much less 20% down. Also, some bought with a lease option, as you know, is the agreement that gives a renter a choice to purchase the rented property during or at the end of the rental period which I believe could be better in your situation - getting to know the area before making it permanent.
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Tried DoorDash, will not use it after the 60$ credit. The price for all the menus they put in the app is fake,they just put original price in the restaurants, they all increased when you entering the check out phrase in the app, on top of that there’s fees and taxes, on top that there is tips. So I ordered 11$ worth of food from kfc, in the end I need to pay 20$, although they got covered by 60$ credit, so this 60$ credit probably worth 30$, never will use food delivery , why you wanna pay double the price when you can drive 10 minutes to be there in person.
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Thank you, Jake, for supporting Ukraine and update my point. The current war in Ukraine is special. If the aggressors of the past waged wars for Ukrainian resources, power and ghostly historical heritage, then this war is for the destruction of the entire civilization by a suicidal jerk who has nothing human in him. But why is the world still does not understand this? Maybe the world fell in love with the devil and believed his propaganda-lies (as we see in the examples with elections in America and Europe)? Maybe it's worth explaining to the world that everybody around Ruller of Unn people Rua named himself RuaSon, because Rua don't have his own? UnnKyivRus(UKR) people founded Kyiv as capital in 430s. Only in 882 Kyiv was recognized as a Rus' State. So, Ukraine is the mother of the Kyivan Rus'(Rua Sons mentioned in the chronicles since 1187 as Ukraine). No Moscow at that time, and if it appeared there on territory of Rus' after BelaRus (1222year) as a state, then MuskovyRus(1721year) must adhere to the principles of state borders, internationally recognized today. I do not think that the world is already destined to surrender its civilization to absolute evil for destruction, because Ukraine matter.
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This is me just tossing out ideas, but when you showed the gdp with china on there, I had a sinking feeling about my thoughts on the whole situation last week. When Putin showed up at Emperor Ping's doorstep, I had a baaad feeling he wasn't grandstanding. He was dead serious about invading. Even though China's real estate structure is crumbling, they still have a decent economy due to overseas shipping and goods, not to mention the weapons and firepower they could lend him.
Although, as history has taught us, with two heavyweights like Xi and Putin... as the saying goes, "This town isn't big for the both of us"... but for now, seems like they're on decent enough terms, which is concerning.
As for the stocks... think I might jump in. Thanks for the talk Jake! Can't wait for more this weekend!
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I try to not overspend on personal credit cards, and every once in awhile reevaluate by imagining my habits with cash only payments. On the other hand, the vast majority of my cash back, points and miles, come from my business spend. That return absolutely fuels my investments in stocks, gold, and real estate, whatever is beaten down at the moment. I cashed out my Amex points with my new Schwab Platinum a couple weeks ago, put 100% of it into an ETF at $40, now worth $55. We'll see in the long run how that plays out, but a better rate of return than a vacation.
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Great Breakdown, again. Seems the Chase trifecta, or cash back, might be a better setup for the average person.
In my case, I am getting 1.5 cent per point value from the Business Platinum 35% Airline Redemption, as well as rotating transfer promos. I value the airline credits minimum 65%, since I can buy Delta miles boosters at $59 for 3,000 miles, though I seem to need them more for schedule changes lately. What won me over to the Platinum was the cruising perk, where I anticipate saving at least $300 per year.
Just got a target offer for a 2nd BBP over the phone yesterday, and if approved, I'll have one for business and one for personal.
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I went through all 3 options, trying to be unbiased, and assuming Lyft/Doordash are here to stay. $960 Cash, $1,275 Chase, $1,600 Amex. The weak spot was travel on Amex, earning 1X on cruises, offset by a $100 - $300 bonus per cruise. Still strong for short coastal trips, where suites cost next to nothing, maxing out that benefit, but with 3X and comped medical coverage, Chase takes the torch elsewhere. I may switch to BoA Cash Rewards for more expensive trips, in lower cabins.
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I think this is a YMMV case... There are times when you will find that Chase has also inflated prices, it will depend where you are flying and it varies day to day... I think Chase is definitely easy to use with that 1.5x on the portal and can be a good deal, however, in general I typically don't like being locked into shopping in just one place, prefer price comparing to find the best deal...
For hotels, I typically don't book through the Amex travel portal, and generally prefer booking direct with hotels where I have status, and for flights have always used points with airlines, airmiles or points transferred from Amex or Citi, or searched for the best rates using Google Flights or Kayak which automatically price compare for the best rates on various competing portals... For any given flight, the prices will greatly vary from portal to portal I think and sometimes one portal may be cheaper, and at other times another portal may be better so I like having options... Using Kayak, it also shows you "hacker fares" which are booking one ways to optimize for cheapest overall fare...
There was one case where I actually did book a flight via the Amex portal, which was using my Amex Business Platinum card which gets 1.54 cents per point on the portal for flights... The Amex Business Platinum is a little different from the CSR in that the Business Platinum gives 35% of your points back when booking (rather than just baking in the discount in the listed price), but when you actually calculate it, you are essentially getting 1.54x on your points when booking on the portal... (say you use 10,000 points, you actually only pay 6,500 points, which is 10,000 / 6,500 so thats 1.54, actually slightly better in terms of points multiplier than the Chase Sapphire Reserve)... But its a little bit more hassle because you first have to have enough points to book at full price, and then they refund you 35% of those points back after a few weeks...
However, the flight where I actually booked using the Amex portal saved me a ton of points, it was for 4 round trip tickets to Hawaii for 28,000 amex points each ticket using the Amex Business Platinum after the rebate.
Previously I have booked using Singapore Airlines booking the same exact United flight to Hawaii for 35,000 points transferred from Amex and Citi, so I discovered I could actually save 7,000 points per ticket using the amex portal vs transfering to Singapore. BTW, 35,000 points round trip was already not bad given that its 45,000 United Miles booking that same flight on their website... So that was one case where I found out that I could actually do better with the Amex portal than transfer partners... Given I was booking for a family of 4, I had to book 4 of those cheap flights so the value from the Business Platinum and Amex portal was actually kindof bigger... Saved roughly 28,000 points booking using the Amex portal vs the Singapore award chart, and saved roughly 68,000 points vs booking directly with United on the same flight...
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Complicated, but looks like a basic vs main cabin discrepancy. I'm guesstimating a date for a family reunion, July 13th - 17th, Las Vegas to Atlanta round trip. Delta comes in at $501.80, Amex $501.80, or 50,180 MR points. With a 35% refund from the Business Platinum, that should total $501.80 / 32,617 = 1.54 cent per point.
Agreed that Amex's travel portal for hotels is a consistent joke. Perhaps with the exception of the hotel collections, which I've yet to use. Anytime I eyeball, it seems like the perks are rolled into the price.
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The tapping is totally stupid. Not worth it as every other brokerage that offers a cash management account (Schwab, Merrill Edge, TD Ameritrade, E-Trade, IBKR Lite, etc.) offers a debit card with no wait. If you want something near 1.8% interest at those places, just find a money market mutual fund within the account and move your money into it. Another reason the tapping is more than idiotic, is if everyone tapped 1,000 times a day, the net result of that would be a zero effect on what place anyone has in line. We're all spinning our wheels for nothing. I've moved up from about 205,000 to about 178,000 since October. It will be a long time before I can apply. I'm estimating they process about 2,000 - 2,500 applications per business day. The line is now over 1,000,000. At this rate, customers near the end of the line will need to wait for something like two years. Anyway, since no-commission stock trades have become the norm, and other brokerages offer more investment options than Robinhood, the main reason to trade with Robinhood (free trades) has faded.
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Yeah, you should get both, but for now given your situation, I would get the Business Gold card first. Another thing to consider is the referral bonus level that each card earns. The business gold card can earn between 20k to 25k points per referral wheras the BBP earns I believe between 10k to 15k per referral. I think for the ideal amex points setup, I would ultimately get both of these cards, but if given the choice, and since you have a bunch of computer hardware needs coming up, I would get the Business Gold Card first.
Another thing you might want to consider is that a few of the other categories for the 4x spend each month are: gas, advertising, and shipping. If you anyway are planning to reinvest your business income in the business, you might want to think about whether you could put your $50 income back into the business in one of those categories on a consistent basis... You could purchase ads or if you are making travel videos for example, use the card for your gas purchases while making your videos, etc. New Egg and Dell online also sell some camera equipment so if you may want to check if any of the camera equipment you want to buy are priced well on those sites so your investments in camera stuff make sense to earn the 4x multiplier there as well...
If you buy anything from Dell or Apple that might qualify for a bonus on the Rakuten shopping portal, be sure to also sign up for an American Express point earning Rakuten account and click through to the Dell or Apple stores rather than shopping directly on those websites... that could earn you an extra 2x MR points on your purchases, so that will be 6x amex points... The Business Gold card also has better purchase protections than the BBP I believe so it will be a better option for buying those large ticket items.
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Thanks for sharing your personal story. Must have not been easy. The Dutch are great people, have been great seafarers, where the first to end the slave trade and was the financial capital of the world before Wall St. and London, and have been a beacon of keeping the Age of Enlightenment shining bright. Although with some hick ups on their way.
A lot of Dutch history throughout the great state New York State (New Netherlands), but especially in NYC(New Amsterdam) where the first Dutch arrived in the very early 1600s. The very first Dutch settlement founded was around 1615 and was called Fort Nassau, present day Albany, the state capitol New York; and the Hudson River valley was call New Netherlands at the time as well.
The Dutch played an important roll in the Revolutionary War and in the drafting of the Declaration of Independence, which was influenced and inspired after the Dutch Act of Abjuration.
The Greatest presidents of the first half of the 21st century came from Dutch backgrounds: 26th president, Theodore "Teddy" Roosevelt and 32nd president, Franklin D. Roosevelt (FDR).
On the military side of the political spectrum of the US, it was common practice to enlist new immigrants right off the boat the arrived on. Not so much read up on the civil war regarding this matter, but is was common practice during the Indian Wars in the West. General Custer's cavalry was mad up of mostly Irish and Polish immigrants coming out of the Civil War. Assuming the same was true for WWI ,but was true for WWII. Not sure what has happened during the forgotten Korean War regarding enlistment.
My retired Air Force paternal host family member, married to a German citizen, tried to get me into the military when the first Iraq War broke out in 1991, but the Defense Department would not recruit internationals at the time. This policy has apparently change during the 20-year long war in Afghanistan and Iraq when even undocumented immigrants where enlisted who ended up disposed across the border when they where dismissed on phony charges during the Trump doctrine of Mexicans are rapists an criminals.
🇺🇦 Sláva Ukrayíni! 🇺🇦 Heróyam sláva! 🇺🇦
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I disagree that opportunity cost is the proper way to measure value, and breakeven is the right way.
From an international travel standpoint, insurance and world wide acceptance matters. Citi, Wells Fargo Propel, and Amex Blue cash will not meet those requirements. No trip cancellations, no trip delay, foriegn exchange fees, no primary rental car insurance, no emergency medical insurance, no emergency dental insurance, and no Global entry. All that adds up to far more than $550 in itself. Then factoring international acceptance only Citi double cash meet that requirement, but they have foriegn exchange fees. You end up losing value with that card.
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I've used a CSR plus three AmEx Blue Cash back cards for over a year. Using your math I net about 3.9%, not including any bonus, with $40k spend. I have the Freedom, but it doesn't hit any categories I need. Also, the Gold doesn't really add much, while costing $250. Lastly, I've found no value to AmEx travel points, while their Blue Cash Preferred kills it with the 6% groceries. Try it out.
CSR for travel, Blue Cash Preferred for groceries, Blue Business Cash (2%), and Blue Cash Everyday for the groceries over $6000.
If you net 5%, I'm guessing you get more travel and max out all the Freedom categories. Bravo.
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I'm sorry but I got to be honest here...this video is pretty horrible for several reasons. First being if we are going off point earning the Amex Platinum (regardless of which version) and the Chase Sapphire Reserve both suck ass.
The best way to earn a lot of MR points without running business and putting a lot of business spend through Amex Business or Personal cards is through the shopping portal Rakuten with you earning MR points instead of cashback. You can get 15x using the Rakuten portal buying stuff normally when they have deals going on like I did 3 months ago when I bought a new pair of New Balance sneakers from Shoes.com. If you do most of your shopping online you can use the Rakuten portal and earn a ton of MR points without ever having to pay an annual fee. Just getting the Everyday card unlocks mr points allowing you to link your amex account to Rakuten to earn mr points instead of cashback. You can create a no annual fee Amex trifecta using the Everyday card for amex offers, the blue business plus card for general spend and get the Rakuten Visa card for 3x online shopping in the rakuten portal. No need for the Gold card or the platinum card if your goal is just to earn MR points in the most cost effective manner.
Now in regards to earning ultimate rewards points the $550 annual fee Chase Sapphire Reserve gets it's ass whooped by the $95 Ink Business Preferred which earns 3x on travel, shipping purchases, internet, cable, phone service and advertising through social media on the first $150,000.00 of spend in a year. If we are looking at just point earning the CSR loses against the Ink Business Preferred very badly with a $455 difference between the annual fees. So unless you are putting tens of thousands of dollars of dining spend on the CSR it's a shitty UR earning card compared to the Ink Business Preferred. If you going to go into a spill about the perks of the CSR I hate to break it to you but the Amex Platinum beats it there rather badly as well.
If your goal is to just use transfer partners and have some travel protections and you want a hybrid between card system of MR and UR points then for a whooping $95 total annual fee you can get the blue business plus card 2X MR on all purchases, Everyday card 2X MR on groceries and for Amex Offers, Rakuten Visa Card for 3x MR points using the Rakuten portal, Chase Freedom card for rotating 5x UR, Chase Ink Business Cash for 5x UR on office supply store purchases, Internet, Cable and Phone Services as well as 2x on restaurants and gas stations and the Chase Ink Busines Preferred for 3x UR on Travel, Shipping Purchases and advertising through social media. This 6 card setup will save you hundreds of dollars in annual fees and will wrack up more points for most people than premium card versions of a hybrid setup.
Now if you or anyone else wants access to airport lounges and other things from the Premium cards you might as well just get the Schwab Platinum card if you are going to use my 6 card setup. The reason being is that it's the perk card...which is what is always lost in these type of comparisons is that the card was never really designed as a point earner...it was designed to be a perk card with the gold hotel status at both Hilton and Marriott, FHR, International Airline Program, Global Lounge Collection, Concierge Service, etc. The CSR was designed to be a point earner card but fails miserably at that considering the INK Business Preferred is the better point earning card. If you want a premium travel card I really just don't see a point in getting the CSR when the Ink Business Preferred beats it in point earning and the Amex Platinum beats it in perks.
As far as the gold card goes and I'm in the minority here when I say the card is completely worthless to me. I do almost all of my grocery shopping at wholesale clubs not grocery stores and I eat out at restaurants once maybe twice every quarter so only 4 to 8 times a year would I earn points on dining. So for myself and again I know I'm in the minority here but to me the gold card was never worth getting and that is why I've thrown dozens of pre approvals for the gold card from Amex in the trash because I know I will never get that card.
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TLDR - Only get these cards if you travel all the time for work and/or pleasure (to get the value of perks). Otherwise cash is always king, and you should invest that cash back for your future.
If I didn't travel all the time for work, I would be a complete convert to your no annual fee setup (with the addition of an alaska airlines card for the incredible value it provides for even once per year travel). I run the Amex cards you use here (platinum, gold, and blue biz plus). I cash out all points through schwab. I have no desire to deal with points transfers. I have done a ton of flight searches and do not see the value that people claim to get from points. For traveling with two people, good luck finding two business/first class seats bookable with points when you want to fly. You need to book 300 days out and get lucky. So always always go with cash back and simply buy the travel you want and can afford. I just travel as normal and invest the cash back (as is intended with this schwab card).
The reason I continue to use these cards even though I don't transfer points is because of the benefits I get. I cover the annual fee credits easily by paying for my annual Alaska lounge membership with the platinum, and using the gold card to pay for my onboard meals (or meals purchased in the lounge). I get per diem for these flights, so this is essentially free money. I also use uber eats and grubhub while traveling for work, instead of dining out or using room service. I don't value the saks credit really, but I do use it to buy some fancy perfume for my wife (why not?). I have used the global entry/tsa credit already (twice since I have my wife as an additional user on the platinum card). We use priority pass a few times a year, and centurion lounge whenever it makes sense (for the food and high end whiskey's), although normally I use the Alaska lounge in Seattle. We use Amex offers whenever that makes sense, and normally rack up about $100 per year in credits there.
If I was really looking to ramp up our points return, I would switch to the business platinum and book flights with the portal with Alaska Airlines. I have top status with Alaska and earn 125% per mile bonus when flying on a paid ticket. I can also easily cancel a booking and deposit the funds into my Alaska wallet. So I could cash in amex points whenever I have enough to book a cheap flight, cancel, and deposit the funds to my wallet. This is like cashing in points at 1.54cpp. Then I book those flights direct and earn Alaska miles (which are useable for those fancy international bookings as well in business class). I can also use those Alaska miles to book the occasional overpriced domestic trip during the holidays, which is a better use of points than flying a normal main cabin domestic fare.
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@JakeBroe Thanks for your service, Jake! I appreciate all the info you have collected and then given to us in a realistic but hope-filling and entertaining (as entertaining as seeing the orcs fail can be) way. You have done a great service to the war effort here on the Western information front because we need to keep the West informed and motivated in both good and bad. One could say you are part of the war effort.
Another Finnish person here, both of my grandfathers had to defend our country from USSR for many years, poor Ukrainians have had to do this in some capacity for a whopping 7-8 years, depending on where you start counting. You probably know the stories of Finns against the Soviets and how our whole society was built as a military in waiting - though to be honest, the reserve needs to stay fitter. I greatly empathize with Ukrainians, I would never give up their cause for a little cold - but the thing is, we aren't really cold. Never mind that I go snowshoeing with my Alaskan Malamute voluntarily, but inside temperatures are something like 20-24 degrees Celsius depending on how you want yours set up or the city or house council sets them up - at least in the cities. It's too warm at least in our place in Helsinki. I'd prefer 20C, but I've come accustomed to that because I'm outside with my dog for 85% of my free time. I would freeze for Ukraine if needed, but turns out we are not freezing. Slava Ukraini! Heroyam Slava! 🇺🇦 🇫🇮 🇺🇦
I'm also commenting because wanted to tell you, there was this funny and quite on-the-point article in Helsingin Sanomat about Putin saying that "western countries are going to freeze like a wolf's tail" which puts him in the fitting role of the story's villain in a way. The saying comes from an absurd Russian folk story, it has a Finnish version too, but it's different. And I warn you, it is quite an absurd story with no morals. I guess the best you can get from it is that if you are too gullible, you are going to be used.
This story is about a fox who told a wolf to try fishing with his tail from a hole in the ice knowing that the wolf would freeze there. Then the fox sent nearby living villagers after the wolf to beat him up - meanwhile, the fox was thieving the villagers' food and fell face first into a bowl of batter. When the fox came by the wolf who had gotten his tail out of the frozen lake and was recovering from the beating, thinking up the ways to get vengeance for what the fox had done to him. The fox said to the wolf: "You think you got it bad? I got beat up so bad that my brain is leaking from my head". Obviously, that was the batter dripping down his face, but the wolf fell for it, and at the end of this folk story, the fox rode on the wolf and was humming along to this song, freely translated as "the beaten will carry his beater" or "the bullied will carry his bully" if we go really free and far.
This message was also on Navalny's channel; it turns out Putin has not figured out his own broken pipes and such, and many Russians, even in Moscow, have something like 10 degrees Celsius inside temperature at times. Soldiers' wives are promised 10 mottis (cubic meters) of firewood if their men will go to Ukraine. So I think the fox was far too clever for his own good.
For some reason this news/opinion article is only in Finnish, Helsingin Sanomat has such poor English content considering it's one of the largest newspapers in Finland. They have news in Russian though. (I guess it's important that the Russians here know what is happening and that's why the English part is a bit lacking.)
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Good video, another trick to getting great value on points redemptions is *checking for flights that an airline doesnt fly itself, but where it has partner airlines that go there*.
Every airline is usually either a member of an alliance (Star Alliance, Oneworld, Skyteam), or in some cases non-alliance (like Virgin, Alaska, Etc.) but has a bunch of partner alliances so you can use their miles to redeem for flights with other airlines.
Oftentimes, the best redemptions are *booking using an an airline using miles, but choosing a flight that airline doesnt actually fly to itself but where it has a partner airline that goes there*... Those partner airline flights are often a fixed points cost, so they don't change depending on time of year... For example, if you want to go to Japan, one of the best redemptions is transfering to Virgin Atlantic miles to book an ANA flight for only 65k virgin atlantic miles in economy, 95k in business, 120k in first class round trip from east coast US. Its cheaper from west coast US and elsewhere, but Virgin atlantic miles booking ANA to Japan is known generally to be an awesome redemption.
There is a website, awardhacker which you can use to search for these types of points fares. Its not always up to date but a great starting point. Also, many popular destinations, I find that other points travellers will already have done the homework for you as they say, so once you decide where you want to go, if its a popular destination, just searching google for "best points redemption to fly to X" will often surface blog posts with some good options.
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Hey Jake, I’m a SrA in the AF, been in since June 2015. I’m curious about two things, mayhaps you could make a video on them in the future: due to Corona virus, how would that effect those of us saving money in a TSP, and is there anything I could do to ease the hurt on my TSP? Also, for the “cash check” that will be coming from the government to the people of America, would military members be a part of the group receiving the extra cash, even tho being federally employed, we get paid 24/7? Thanks in advance, hope you see this!
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I have this card. I will close the account in September, before they bill me for a second year.
- $450 annual fee
: they called me in the middle of a work day and talked me into it. I subconsciously assumed I'd more out of this card based on the annual fee. Definition of "more out of this card" = benefits comparable to those offered by other cards charge similar annual fees. My fault: didn't do my due diligence.
- Delta Sky Club membership (free food, free alcohol)
:
Delta lounges are considered "Ghetto Lounges" when compared to other lounges. They charge for upper middle class beer (anything above Budweiser). Yes, I swipe hundreds of thousands of dollars per year on their card, which benefits them. They invite me to their lounge because people like me benefit them. Then when I show up as an invitee, they charge me for a beverage that costs as much as a bagel. Hell, why not also charge for ketchup?
Also, companions must pay $29 ($39 starting Feb 2020), which is a deal killer during relatively short connections.
- Priority boarding
: ABSOLUTE RUBBISH. Zone 1 is not priority. On most domestic U.S. flights, zone 1 will have 80 to 100 people. Unless I'm on the starting blocks like a Usain Bolt ready to dash right before real priority ends, I could be standing in line behind 100 passengers. My dignity won't allow me to make that humiliating dash. Therefore, on the delta flights I've taken recently when I was zone 1, I simply waited to be the last person to board the airplane.
- Companion certificate for Delta flights
: This allows me to purchase 2 domestic first class tickets for around $1,350. I guess this is a nice perk if I'm trying to impress a new girlfriend on a first trip together. This would have worked for me when I was 2 decades younger. Probably still works for other male card holders.
- 2x miles per $ dollar on Delta purchases
: Unimpressed.
- 1x miles per $ dollar on all other purchases
: Singularly unimpressed. Why would I want to use this when my Chase Ink gives me 1.5 on all other purchases?
- No other travel credits offered: of course
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How about a Review of GM Buy Power card? Card sounds really good but never hear anyone bring it up ever. I only spend around $13,000 a year so if I keep using my other 5% cards (amazon, USAA, Rotating cards) then I would barely need any of my 3% cards anymore. Is it a Diamond in the rough or ignored for a reason?
GM Buy Power Card - 5% Everything for first $5000 every year, then 2% Everything (Cashback only redeemable for New Chevrolet, Buick, GMC, Cadillac, or up to $250/yr Statement Credit on in-dealership purchases, certified service, parts, accessories, or GM extras like SiriusXM and OnStar)
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Very interesting video topic. Some thoughts as I watch along...
His point about a rattlesnake doesn't make sense. He's right, there's a lot of risk to holding a rattlesnake and no real gains and I wouldn't do it. But if I had the right protection gear, knew what I was doing and would be given a thousand dollars to hold it, then that changes things.
He brings up 78% of people who have credit cards not paying it off each month. Which yeah, you don't want to be in that group. But the whole point if his show is to be different than ordinary. So I'll be different than ordinary by being in that 22%. I do wish he'd site his sources more. I don't necessarily doubt him, but I wonder if he's just picking the one statistic that fits his story the best.
I can see the logic behind the pain of using cash not being there with credit. But there are many times where cash isn't practical. So if you're going to use credit or debit, you might as well use the one that gives you the most reward. And like you said, be disciplined and this won't be you.
I have another possible explanation for the unredeemed airline miles. The ones who earn the most miles are those who travel every week or close to it for work. And these people travel so much they have no time to spend the points they get. So there may be some people not redeeming their credit card miles, but that's not the only source of the never used miles. But yeah, for those getting these points through credit cards, just don't be dumb and this isn't an issue.
His point about it not being that much money sort of makes sense. You spend $100k to get $1k. But if you're going to spend 100k anyway, would you rather get nothing or get $1k? And if you get $1k every year, how much will that grow to if you invest it and get a 12% return for 30 years? Actually...I'm curious. The answer is $241k if my quick Excel calculations is correct. Quite a lot of money. I agree too, you should get more than 1%. You can easily get 2% on everything, and it many cases much more.
I was just going to point to Graham as a millionaire who uses credit cards for the points. As you say, it's not a ton of money, but it adds up. Actually, going back to my other example. If someone makes $1k a year from credit card rewards, invests it for 43 years at 12%, then they'll become a millionaire. So yes, you can become a millionaire with credit card rewards!
Him teaching that there aren't exceptions to reach his audience better makes a lot of sense. His advice is good for a lot of people. And if him being condescending the the others helps him to help those better, then that may not be a bad thing.
I think the best analogy for credit cards would be to alcohol. Alcohol can kill people and ruin their lives. There are some people who should never have alcohol because they can't use it responsibly. And you don't need alcohol, you can live a perfectly good life without it. But there's nothing wrong with drinking responsibly. And just because some people shouldn't drink doesn't mean that no one should drink.
This comment has gotten really long... well I guess that's a sign there was a lot of good content in your video. Keep it up, I always enjoy watching your videos.
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I wish point #10 wasn't an issue and that Dave could be more "open-minded" because I feel his techniques translate pretty well to good credit card management.
I went 15 years+ doing things "Dave's Way" (although, even though he permits them, he has "issues" with debit cards which I used as my primary method of payment) when I had a eureka moment that one day I might need a good credit score. Because I was debt free and was investing, my first stop for credit cards were places I had a banking relationship (Cap One, Regions and Schwab). I was able to get cards from these institutions without having to go the secured card route, even though the only thing on my credit report was a Firestone store card with six months of history (I got their card to get $50 off a bill I was about to pay off fully with my debit card).
I'm a little under four years of my credit card journey with 12 cards (including the Firestone, my oldest but basically sock-drawered) that I treat like debit cards using the AZEO (All Zero Except One) method: I zero out all except one of my Cap One cards which I allow to show a little over a $1 balance. I basically use my cards throughout the day, come home and send a bill pay to pay off my shopping activity. This may seem extreme to some people but after 15+ years of using a debit card, it's basically the money coming out of my checking account with an additional step of me "hitting" the bill pay screen of my bank (i.e. a process I'm use to that takes an additional minute or so of time).
This, of course, leads to me having perfect payment history and super low utilization (the biggies of a credit score). The only real negatives of doing things "Dave's Way" with regard to my credit score are the lost 15+ years of credit history that could have really boosted my score (even though I have an excellent FAKO score and around 750+ FICO) and any cash rewards/bonuses I might have earned.
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Dave's never met a millionaire who claimed to have earned their wealth through airline miles, yet I've never met a broke person claiming that their Southwest card, was bound to make them rich. Such a strawman argument. A rich person introduced me to credit card rewards in 2001, a baby boomer who was happy with free toasters and stereos, pretty standard for the day. I thought I was kicking ass with the 1% Citi Dividend. Today with a business, I am earning minimal $6,000 just in cash back, which funds my Roth IRA.
As far as unused airline miles, the majority probably aren't even earned through credit card spend. How many people sign up for multiple airline rewards programs, hop around, and never redeem any of them? That describes me in my 20's, and the majority of my family.
Thanks for the timeshare link. He's not as approving as I expected, but I still think Marriott and Disney Timeshares are terrible decisions. Want to buy an "asset" where you lose half the value after purchase? Want surprise assessment fees? Want to scramble to book 11 months out exactly, just to secure a place to stay? Want to feel you're saving at $400 a night, when the equivalent Westin next door, is $200 a night? They might not be an outright scam like Diamond, but it is a stupid scheme, and I absolutely consider it debt.
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The best way to play the game for travel is to earn and burn, don't hoard points...
I would say whether cash or points is better depends on your needs and how you value the experiences you have planned... For me, with a family of 4, business and first class experiences are not very worth it since they are only a single seat... On the other hand, free upgrades to a suite at a nice resort hotel with breakfast and an amazing pool and beach my family can spend all day in, where you pay only a few nights via points, and get a bunch more nights free is extremely worth it after doing the math... Think of it this way: for your family of 4, if you wanted to go to disneyland for a day that would cost you a ton of money just to get into the park... Hotel stays in my opinion are a huge value when my kids are young and its just so nice to relax at a resort... On the other hand, once my kids get older, and we really would rather explore a new city or do more adventurous trips and tour a new country, then I think it will make more sense to stay at an airbnb or cheaper hotel since you will be out and about primarily...
The way I see it is, life is short, and theres no one way or the other (only a sith deals in absolutes), so why not do both? Every month, manage your budget well, set aside money as investments, and then develop a credit card points strategy to get your next trip you have planned out on the cheap... I think in all cases, the credit card game is about planning for your goal and getting it... A noobie mistake would be: just hoarding points with no plan for where youre going to spend those points...
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Everything comes at an opportunity cost but I consider the AMEX Gold+Platinum as a gift from god and worth every single penny of the $800 annual fee and a lot more even with an opportunity cost of a 2% cash back card or shitty chase points.
AMEX Platinum: Annual fee $30 ($550)
-I fully use the airline credit for flights, Uber credit of $200, Global Entry ($20/yr), and Saks ($100/yr) and would have anyways. Everything else is a major bonus (Lounges, points, perks, etc)
AMEX Gold: Annual fee ($30) ($250)
-Again fully use airline+dining credit, points are just a major bonus.
So far with points and bonuses: Round trip tickets to Tokyo and Singapore. I would have never had these luxury vacations around SE Asia and Japan otherwise. Already been to Europe several times, plan to go to Cape Town, SA next. AMEX Cards are a gift from god, so lucrative.
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All valid points for beginners, those with modest incomes and those that are not willing to put in the time. However, as a counterpoint there are a ton of scenarios between grandma's house and crazy luxury international business trips. For example, going to Vegas and getting very low cost flights and free hotel from signup bonuses is in between. Most of these mid level cards offer about $800 of value on normal domestic trips in year 1 for an annual fee of $95, luxury cards offer about $1,200 of value for $500. So you're getting $700 towards normal stuff as long as you cancel at the one year point. A typical year for me is spending $2,000 -$3,000 on trips that would cost about $10,000. These are not luxury trips but four star trips within the US to places I take my family. With 3 of us, there would be no way I would do this without all the discounted flights and hotels. For example, when we went to Disney all the flights and hotels were on points from these $700 first year benefits that have accumulated. Wasn't too hard to use Southwest miles and Wyndham points. Another example would be going to the LA area, across the country for us, with my Dad and to see sites and go to the American Music Awards. The flights alone would have been $2,000 for 4 people in economy, but I booked them all on points - this would have significantly added to our cost to go. Instead, the tickets probably cost me $300 in year 1 annual fees on 3 cards. I agree going overboard can be a trap, but just making the point there is a way to use the savings to fund nice trips that some would have been taken anyway, but others are possible at a reasonable cost without derailing one's savings plans.
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Yeah, the hot towel, champagne, and a chance to lay down is not worth 2K unless that's what you would have paid in cash. All these luxury point redeemers are only going to drive these seats up, and with it, the perception of even higher redemption value. Reminds me of Disney Timeshare owners who pay $500 a night in maintenance dues, looking at the retail cost of $800, and swear that they're saving a ton. Only problem is, the resort is stuffed with owners who are all drinking the same Kool-Aid, and probably would all be across the street at the Townplace Suites for $150, if they weren't made to feel special.
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Just watched this video, and absolutely agree. Worse is getting a hotel card as Marriot or Hyatt card, especially when there are Air B&Bs everywhere, or just stay in hotels that cost 1/5th the price. People say they spent X-thousands of points to stay at a hotel worth $1000 to $5000/night. Ummmm ..... seriously?? Actually, that hotel is actually worth zero because if no one paid for it, then the hotel is giving it to you for free anyway, since it would be empty anyway.
You make valid points, and I have over 1/2 a million points for airtravel via Chase and A/E. Since Chase Sapphire Reserve will raise their yearly to $550/yr, thinking it is just getting ridiculous. I wonder, since you can get discount travel so cheap anyway (not using the business / 1st Class flights) with the countless free apps, if it would be just better to instead get cash-back cards, and pay cash instead of playing the airlines games.
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Jake, I know video is two months old, but relevant. I think you hit the nail on the head. They want You guys to go away, teaching and informing the community. Which brings me to an important point. It's their credit card, their game board, so they reserve to change rules when they feel like. It's important to get as many cards with no annual fees. You don't want to go around cancelling a bunch of cards. Anyway, thx you for your videos, very informative. Sorry forgot, why I'm little hesitant to get the Amax BCP, who gives you 6x for groceries, watch it drop either to 3x or 2x, just a game
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The Platinum is best for most people, especially if they don't care about earning Delta Medallion status. I am currently a PM member so the Reserve card is a must for me, it helps me maintain that PM status. I do, however, also have the Platinum Amex and I will keep both. The companion ticket for each more than pays for the AF .... Reserve only if flying FC is something you normally do. I normally book FC tickets, so my companion ticket this year covered my son's $1389 ticket from SLC to BOS. I also keep the Platinum because as a PM member when I purchase or use points for a Main Cabin seat, it automatically upgrades to a C+ seat and then the price for upgrades from C+ to FC Are substantially less than from MC to FC.. So that $250 AF essentially is worth well over $700 depending on your route of travel. I also book all my vacations via Delta Vacations, and that doesn't code on the Platinum or Gold card. If I don't use the Reserve card, I lose out on about 60K+ miles. I spent around $27K last year on vacations, so I am happy that it is now 3x. Again, if you don't care about MQMs, you are 100% correct with getting more skymiles using a standard Amex card and transfer the points. My goal is to hit the $60K spend on the Reserve and then use my Gold card and BBP for most everything else. I do like your math skills, it separates you from other You tubers!
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Hey Jack, I did end up with a Delta Gold Skymiles card during a purchase of tickets to Vegas. Well, now I did just get approved for my Platinum Amex. Ok, so now what right? Ok, the offer is 60,000 miles from Delta. I was thinking of using the card, earning those points to maybe cover a future ticket, and then stop using this card for now, holding as emergency, and then downgrading at the end of my two years. In the meantime, I will be using my new Amex Plat from the minute I get it. for everything else. I appreciate your video, and I am a new user of credit cards to earn points. The one thing you didn't mention here for new users is that Delta is a charge card, and that Amex Plat is not a charge card. Amex Plat must be paid off every month in full, with few exceptions.. That is what I see as the only, and I mean only incentive for the Delta Card. You can use as a charge card, earn miles, and pay off min payment due. Would you say that is correct?
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I've been in the C & S funds with a little bit of the I fund since I've been able to switch out of the G fund, which was the only one available for CSRS when it first started. I lost about 50% of my balance in the crash of 2008, but I did not change a thing. Now my account is nearly double its maximum size in August of 2008, and I've taken out probably at least $150,000 since then.
The C, S, I, G, and F funds all started at $10 per share when they switched to the share concept some years ago. All it took for me to decide to put 40% in C & S, and 20% in I was to look at the price of each of those funds when I made that decision. Clearly, the C & S have out performed the G & F funds since inception, and for a while the I was doing pretty good too (not quite so good today, but better overall than G). I don't rely on the TSP for my living expenses, so I can withstand some drop in the market with no problem. When I retired, I reduced my distributions for about three years and then raised it a bit, but now, older than 70-1/2, I can't reduce my distributions year over year due to IRS rules. But I'm sticking with what I have. I haven't rebalanced yet, so the I fund is now below 20%, which is OK to me, since it is not performing as well as the other two.
As bad as the Great Recession was, I recovered all that I lost on the crash within about 3 to 4 years, so I'm sticking with my plan. And the market has certainly done pretty well over the last 15 years.
I went to a retirement seminar just before I retired and the speaker asked for a show of hands who had I funds. She told everyone to get rid of it, because it was a bad fund. Based on what she said and what other financial advisers said, I decided they had no good ideas about the stock market, and so I just looked at the long term performance of the various funds, and picked the ones with the best long term results. Experts? Ba humbug!
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Citi has two transfer partners for any significant value, Singapore and Virgin Atlantic. The problem with those two is that they also are transfer partners for everyone else so you aren't getting any bonus with them. After that getting 2 CPP is an outlier instead of the norm, as you mentioned, and you're basically stuck with 1.25 CPP making much of the point earning subpar.
The fourth night free becomes less valuable as you accumulate other points as you will likely be using points for hotel stays.
Citi, for me, has a very niche spot. If you have a mortgage, they have a very good set up. Plastiq only allows Mastercard (pardon the Discover mains out there, your cards are meh) for mortgage payments. Living in SoCal, one would easily hit $4,000 in 3 months just with their mortgage. So you get the Citi Premier for the 60,000 points then the Citi Double Cash to use on Plastiq for the 2X back on mortgage payments. Product change the Premier to the Rewards+ after 1 year so you can get the rebate on points and leave a path for the Double Cash points to become ThankYou points in the off chance you find out sized value.
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If you're just going for the sign-up bonuses, it makes sense, especially since you don't have to pay the annual fees.
I'd argue that you'd need to look at the long-term benefits of each card and identify real-world use and overlap.
If you have the Delta Reserve Amex then you presumably fly Delta most often and that gets you access to SkyClubs. Your Hilton Aspire card gets you access Priority Pass clubs. The Amex Platinum gets you SkyClub access (if flying Delta), Priority Pass access, and other lounges. Again, if you're flying Delta, unless you want to make your way around various airports to experience different lounges, then you're most likely using Delta's SkyClub. With Priority Pass (Hilton Aspire) as a backup, you probably have all of your real-world lounges covered.
If you're using the Delta Reserve for status (upgrades) then you won't be using the Amex Platinum for 5X points on flights. If, however, you're going for points over status, then the Amex Platinum makes much more sense.
You can apply this to other cards as well with overlap: Is the Amex Gold working better than the Uber Visa (or Savor card if you have one). If so, then one of those cards really don't matter.
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