MontyBrunswick

On Apr 15, 2024:

MontyBrunswick replied to "Wordle "Golf" tournament, 9/6 - 9/23" at 09:53 am

Wordle 1,031 5/6*

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Took me forever to come up with my fifth guess.

MontyBrunswick replied to "Unpopular pop culture opinion you hold" at 09:48 am
posted by Devils Advocate

I do not care about people’s junk or what they do with it between consenting parties if they want me to address them a certain way, tell me what your name is. Otherwise I will address you exactly as I perceive you. 

At a certain point it's a fruitless endeavor. I work remotely so I only see names. Recently there was a new hire named John. John identified as a woman.

MontyBrunswick replied to "Unpopular pop culture opinion you hold" at 09:47 am
posted by jmog

As a non-beer drinker I agree.


Even as a whiskey (mostly Scotch but I do like a good bourbon) guy hearing the REALLY into it whiskey guys talking about all the β€œnotes” they get on β€˜xyz’ whiskey is even worse than the craft beer guys.


Yeah that's the stuff I'm talking about. I'm in a group chat with folks that are beer snobs. They always go to random bars and send a picture of the menu and then discuss whatever beer they got. I guess it's cool they have common interests, but I think they sound like dipshits when they describe the "overtones".

On Apr 14, 2024:

MontyBrunswick replied to "Unpopular pop culture opinion you hold" at 04:28 pm

Oh I just thought of another one that will probably ruffle feathers: craft beers. Listening to people drone on about craft beer is vastly uninteresting and I couldn't care less. 

MontyBrunswick replied to "Unpopular pop culture opinion you hold" at 04:26 pm
posted by Dr Winston O'Boogie

That’s why I call it β€œunpopular”.  Most people don’t agree or even care.


Honestly I went a solid 10-15 years where I had no desire to wear a hat and didn't understand why people did. Lately I've had a change of heart and been mulling getting a hat.


Then yesterday I pressure washed my deck and got a sunburn on my head. Closer than ever to getting a hat now.

MontyBrunswick replied to "Unpopular pop culture opinion you hold" at 01:46 pm
posted by Dr Winston O'Boogie

I think grown men wearing baseball caps for anything other than playing baseball is sad looking.

Award shows. The Grammys, Emmys, Oscars... It's rich and famous people giving other rich and famous people awards. Who gives a shit. I don't know why people eat that trash up every year but it always happens. 


Also reality TV.

On Apr 12, 2024:

MontyBrunswick replied to "Wordle "Golf" tournament, 9/6 - 9/23" at 08:55 am

Wordle 1,028 3/6*

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Ultra lucky

On Apr 7, 2024:

On Apr 3, 2024:

MontyBrunswick replied to "Wordle "Golf" tournament, 9/6 - 9/23" at 05:04 pm
posted by Ironman92

Just plugged in letters until something took. 2nd time in 4 days I had no idea it was a word

Wordle 1,019 3/6


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⬜🟩🟨⬜🟩

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Same

On Apr 1, 2024:

MontyBrunswick replied to "Wordle "Golf" tournament, 9/6 - 9/23" at 09:03 am
posted by iclfan2

Wordle 1,017 3/6*


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πŸŸ¨πŸŸ¨β¬›πŸŸ©πŸŸ©

🟩🟩🟩🟩🟩

Wordle 1,017 3/6*

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Smilar results

On Mar 31, 2024:

MontyBrunswick replied to "NCAA Basketball 2023-24" at 07:33 pm

lol duke

On Mar 30, 2024:

MontyBrunswick replied to "Wordle "Golf" tournament, 9/6 - 9/23" at 10:11 am

Wordle 1,015 5/6

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My second guess eliminated all words except the correct one. Still didn't get it until I plugged and chugged a few.

On Mar 28, 2024:

MontyBrunswick replied to "P. Diddy raided" at 05:23 pm

I guess puffy really was a Bad Boy for Life.


MontyBrunswick replied to "CC upgrade v. travel + lounge access" at 05:08 pm
posted by Laley23

Can you petition for reimbursement and have it all go on personal cards? I hate when companies use a business card, but I get it. Just sucks as the person travelling to not reap the small benefits.

I dont think so, but I get a fair amount of leeway when it comes to booking my own travel so that's beneficial in itself.


I can basically choose whatever flights/meals I want as long as it's within reason. I usually travel Monday to Thursday. Its not uncommon for me to have zero personal expenses during that four day window. Everything goes on the company card while I'm on my trip

MontyBrunswick replied to "CC upgrade v. travel + lounge access" at 05:07 pm
posted by iclfan2

$60k credit limit is wild to me. My credit score is in the 800s and I’ve had the card for 20 years, and my limit is $11k. I don’t travel for work so I accept my measly 1% credit on my usaa card. Probly leaving money on the table.

You could probably just request a higher limit. Discover offers a thing on their website where you can click it and it'll yay/nay you immediately. Theirs doesn't even do a credit pull. I did one the other day for the hell of it and they bumped me from 14k to 17k, despite me never coming close to using half of the 14k I originally had.

MontyBrunswick replied to "CC upgrade v. travel + lounge access" at 02:52 pm
posted by Laley23

You have to travel a lot to make it worth it. I probably pay off the $650 for the AmEx Delta Reserve in about 6 trips (~20 flights, and ~16-20 SkyClub visits). The free drinks and food easily outweighs it for me vs buying 1-2 airport meals, plus it's usually better food. The comfort and quietness of the club certainly is a benefit, though I wouldnt pay for just that. Its the breakfasts before the 6am flights and the lunches during the layovers. 

My company provides a card for me to use so everything goes on that. Meals, travel, whatever. The only thing I'd get out of having one of the airline cards is the status, which makes it an even tougher pill to swallow

MontyBrunswick replied to "CC upgrade v. travel + lounge access" at 01:34 pm
posted by Automatik

Perfect score, on the 900 scale? I've never heard of anyone with it. 

I just want to be in the exeptional range and avoid a nose dive. Like when I bought a car and they ran 5 credit checks for various lenders.

most of them are 850 max. I also had my credit run by a dealer and the number of hits temporarily dinged my score. It recovered quickly if I'm remembering right, even though they ran it like 4 times


As long as you regularly use some credit and make regular payments your score will go up. I dont think the total usage matters, just that you use it. Mine has been in the 800-820 range for most of my adult life with very little work on my part.


Experian says my score is currently 835/850 but it fluctuates depending on how much I'm actually hitting my cards. I floated some larger purchases when I moved a few months back and it shaved about 20 points off but it's since recovered. I typically don't carry a balance month to month.


tldr be responsible with it and your credit score will be go up and then eventually plateau around 800

Also I've mulled getting a travel card myself but I cannot justify paying an annual fee to spend money. I'll take my no-annual-fee cards and just deal with the lack of status


MontyBrunswick replied to "CC upgrade v. travel + lounge access" at 01:27 pm
posted by gut

It's fairly inconsequential, as banks (for mortgages) calculate their own scores.  But what I've read is your credit score likes to see an average balance of like 10-20% per card, and in total.

I don't think the percentages matter so much as you're actually using some of the credit they've extended to you.


On Mar 21, 2024:

MontyBrunswick replied to "Wordle "Golf" tournament, 9/6 - 9/23" at 12:31 pm

Wordle 1,006 6/6

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MontyBrunswick replied to "Do you watch tv with subtitles on?" at 09:42 am
posted by Ironman92

Caption sucks

you suck

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