• I know that Amex gets a lot of hate here about how it has turned into a coupon book, but what’s more infuriating IMO is when they pull sneaky shit like they’re doing with their “Hilton” offer. I got an email yesterday about member week that highlights the Hilton offer, among other things. I have a Homewood suites stay coming up, and if I wasn’t on this sub, I would’ve rebooked it to take advantage of the offer. I wonder if Amex is prepared for the shit storm their CSRs are going to have to put up with when angry customers are going to reach out wondering why they didn’t get credited for this offer.

    Can’t be too hard to handle:

    We are sorry sir, but that promotion only applies to Curio and Tapestry. Yes, sir. It is specified in the terms and conditions. Our advice is to always read your terms and conditions sir. Also you should check out the churning subreddit, they are a crowdsourced website and sometimes it can be helpful. Although sometimes you will get downvoted. It comes with the territory sir. We also sometimes check it out for new patterns of reward abuse. We are sorry that marketing didn’t do a better job at highlighting the limitations. Yes sir, I’ll convey your frustration to management. No, we cannot make exceptions to policy. Thank you for being a loyal American Express member since 2023 and have a nice day.


  • You have 30 dollars and 8 mouths to feed, what’s for dinner?

    I’ll sign up for two Blue Apron plans at new subscriber promotional rates, which is currently $10 for 4 meals. For $20, we would have 8 meals spread across 4 menu choices, including shipping & taxes.

    (more…)

  • Woke up with 300k+ MR points. Is this a glitch?

    i also got an extra 150k. My rewards activity tab does not explain it. All I see is that my BBP got a 150k “adjustment” in 2023. (It shows up on the annual summary, to the right hand side on the website). Nowhere in the itemized rewards list does the 150k show up. It just showed up at some point in mid-July.

    (more…)

  • Those people with too much XP… I finally found out how they are doing it. Those people in the diamon leauge who have like 50,000 xp. They obviously sold their soul to the duolingo bird in exchange for inconceivable amounts of xp.

    You called?

    Having played strategy games for 20 years, i can’t help min/max when i find a min/max strategy. So far I’ve found this: (which I think y’all are familiar with)

    1. Under the 15-min 2xp potion, do lessons until you hit Lesson 5 out of 6.
    2. Now open lesson #6 (or #4 – the last in the series)- start it but don’t finish.
    3. Let the 15 minute timer transpire
    4. Use this time to take a break – get back to work, eat, or sleep. Make sure the app doesn’t auto-close itself or you’ll lose on 20 free xp.
    5. When ready to go for another 15-min sprint, go back to the app and finish the lesson #6
    6. Lesson #6 will get double xp. And at the same time, you’ll also get a new 15-min 2xp potion.
    7. Do more lessons, and again try to reach the next lesson #6. Repeat.

    Sometimes the sequence of lessons is long, and you won’t be able to reach #6 before the 15 minutes is over. That’s fine. If you are very far from #6 (eg you only managed to finish the Chapter finale and are starting from #1), this may be a good time to use the morning/evening 2x potion.


  • > Is the Korean word “부 (Bu)” pronounced as “poo” and does it mean “wealth”?

    It’s pronounced boo, as in “he’s my boo”.

    I’m gonna attempt to explain my street level knowledge of the influence of hanja (written chinese) in korean here…

    Thousands of Korean words are actually korean pronunciations of chinese words that were inherited hundreds of years ago. It’s similar to how many words in an european language actually descend from latin – for example english word administration comes from administratio in latin, iglesia (church) in spanish comes from ecclesia in latin, etc.

    (more…)

  • Citi Premier rejection after a 6-week review. It seems they were taken aback by the large number of inquiries and new cards but still wanted to look at it and requested tax records, but they saw that my AGI was much lower than reported in the application and rejected it.


  • They are weaved together from young-trending internet-centric niche jargon, which they themselves originate from various contexts.

    • 하수/고수 (and 중수 which I’ve heard less often) are old terms used to refer to the level of skill of a person or level of strategy. Could be used to describe the skill level of a Go(바둑) player, or skill of fighters in a traditional martial arts-themed literature (무협지). Martial arts literature has tended to take itself a bit seriously (even though they are describing fictional skills and mythical beings), and they use an absolute fuckton of superlatives to invite interest to the story and its character, so to lean into martial arts literature jargon invites some humor. These terms made their way into the internet (more to the DC인사이드-like bulletin board cultures), and also intermingled back and forth into gaming culture. (It started off by gamers using it to describe each other’s skill, and then some Korean games actively adopted the terminology as part of their official jargon, albeit with a light sense of ironic humor given that it has one origin foot in martial arts literature)
    (more…)

  • What’s one “rule” of credit cards you didn’t know when you were younger? The one “rule” I didn’t know/understand was that you should always pay your statement balances off in full every month.

    This is so funny. I had the completely opposite misunderstanding & experience.

    When I entered college, I saw credit card promo posters in the university buildingin halls. Most of these posters prominently higlighted the APR interest rate in big bold font: “Low 20% APR after an introductory 6-month period!” “25% APR!”

    I saw those posters, and I thought:

    “Okay so they are saying that if I pay $100 using a credit card, I have to immediately pay back $120? That’s… dumb and wasteful. Americans are weird. I’m sticking with cash and debit cards and I’m never going to use credit cards.”

    (more…)

  • I flew from LA to Las Vegas for a half day visit to match my Hyatt temporary Explorist status (provided as part of the Bilt challenge) to MGM Gold.

    (more…)

  • Okay so you are trying to borrow cash out of your business credit card. Although I don’t know much about the topic, this sounds like a terrible idea.

    (more…)


  • Korean racism uniqueness

    Google Recorder Private


  • Gemini summary of discussion on

    Meeting Purpose & Context:
    The meeting centers around discussing an article written by Mitchell. Speaker 1 introduces the article as a courageous piece analyzing the current state of grassroots organizing and activism, particularly addressing challenges, errors, and conceptual understanding within the movement.

    Article Introduction & Initial Framing (Speaker 1):

    • Courage: Speaker 1 acknowledges the bravery required to publish such a critical self-assessment of the movement in the current climate.
    • Not a Fix-All: The article is positioned not as a definitive solution, but as a catalyst to trigger critical conversations and dialogue necessary for the movement.
    • Framework & Critique: While valuable for providing a framework to understand current dynamics, the article’s language is noted as academic (using terms like “neoliberal”), potentially making it inaccessible to the broader community.
    • Meeting Goal: The group aims to unpack the article over potentially four sessions to understand its analysis of organizational health, stability, building power, and making meaning of their work.
    • Relevance: The discussion is relevant nationally, as many organizations grapple with sustainability, burnout, connecting personal experiences to larger fights (mentioning “transformal C” – likely Transformative Justice or similar), and navigating contradictions (e.g., working with challenging coalition partners or candidates, referencing work with Jasmine).
    • Target Audience/Context: The discussion is particularly relevant for the “younger table” (meaning newer members finding their role/purpose, not necessarily age) and for building relationships within their alliance. These are complex questions even for experienced organizers.
    • Desired Outcome: To foster open dialogue and understand why these challenges exist.

    Initial Reactions & Discussion (Speakers 3, 2, 1):

    • Speaker 3: Wrestles with the academic language vs. community accessibility. Connects neoliberalism directly to the existence and problems of the non-profit industrial complex. Highlights the privilege the group has in being able to even have these conversations, contrasting it with relatives in advocacy/elected roles who cannot.
    • Speaker 2: Recalls reading part of the article before, finding it “thick” but relevant to observed issues in coalitions and internal organizational tensions (like self-critique). Believes discussion will make it relatable.
    • Speaker 3 (on “Younger Table”): Probes Speaker 1’s comment about the “younger table.” Contrasts it with their own experience where activism is an intrinsic part of identity and worldview (“this is who I am”), not something needing exploration. Wants to unpack this difference in how people come to the work.
    • Speaker 1 (Response): Clarifies that while worldview is fundamental, the article helps understand how existing structures (non-profits, C3/C4/PACs, unions, NPIC, neoliberalism) create inherent barriers and contradictions that make it hard for anyone, especially those newer to the movement, to fully exercise their worldview and achieve change. Uses the example of trying to build power in a C3 structure and how people get conditioned. Mentions NALEO as an example of potentially exclusionary structures, emphasizing that infrastructure impacts access and governance. The essay helps understand why these struggles occur.

    Reading Plan & Logistics:

    • The group agrees to read the introductory section and the “Roots of the Crisis” section, stopping before the detailed breakdown of the seven trends. The endpoint is the bullet point starting “The lack of management philosophy…”
    • They allocate 15 minutes for silent reading.
    • Future sessions will tackle 1-2 trends each, likely scheduled on Tuesdays (avoiding committee days).
    • The planned flow for sessions is: Reading -> Journaling -> Small Group Discussion.

    Post-Reading Discussion & Reflections:

    • Speaker 7: Identifies a key theme: the contrast between toxic workspaces and healthy/transformative practices, and the disconnect between the world organizers are trying to build and their internal organizational realities.
    • Speaker 2: Notes the article’s point about 60s movements being suppressed, leading to the 90s non-profit model. Relates it to KRC (Korean Resource Center), suggesting internal ideological splintering also played a role there, leading to an avoidance of ideology.
    • Speaker 8: Highlights the tension between ideological grounding/analysis and practical skills/strategy (e.g., a great canvasser lacking ideological roots, or vice-versa). Feels this is a common challenge (“what comes first?”).
    • Speaker 1: Connects this to ignoring “form for function.” Recalls past ideas (like at KRC) that ideology would develop through exposure, questioning this. Acknowledges space for growth but also the question of ideological alignment as a starting point.
    • Community Building vs. Organizing: A discussion arises (sparked by Speaker 3’s surprise at skills coming before ideology) about motivations (money, college apps vs. inherent worldview). Speaker 2 mentions KRC attracting people for community without initial politicization. Speaker 1 shares KRC examples: senior program focus on free meals, internal debates on resource allocation (social activities like karaoke vs. organizing), and the ongoing tension between building community alone versus building community with a purpose toward power/change. Speaker 3 expresses having always seen community building as the vehicle for organizing, not a separate choice. Speaker 1 notes these varied experiences are part of the discussion.
    • Author’s Position & Critique:
      • Speaker 2 notes Mitchell’s likely established position allows him the privilege to offer critique without fear of repercussions (alienating colleagues/funders) that others might face.
      • Speaker 3 acknowledges the danger in Mitchell speaking out, especially as a Black man, and relates to feeling similarly.
      • Speaker 7 emphasizes reading with an open mind, as terms like “toxic” can be triggering if not contextualized by the author’s experience.
      • Speaker 3 strongly agrees the movement can be toxic, personally and systemically.
      • Speaker 5 finds it interesting how “toxic” is perceived more harshly in non-profits than in the private sector, where it might be more expected. This leads to agreement that expectations are different/higher for the movement, which is often contrasted against problematic private sector/capitalist/white supremacist norms.
      • Speaker 7 concludes the movement hasn’t progressed enough internally to reflect its external values.

    Journaling Prompts & Next Steps:

    • Context for Prompts (Speaker 1): The “Roots of the Crisis” section highlights external forces (billionaire influence, competitive philanthropy models) creating conditions for toxicity, shifting focus from purely individual conflicts. Context allows for compassion and clarity. This connects to the group’s own ethos (Transform OC).
    • Prompt 1: Identify external forces (beyond the 7 listed) impacting social justice organizations broadly, and specifically us (e.g., philanthropic models, forced partnerships). How do these forces impact dynamics?
    • Prompt 2: How does it feel to place our experiences (often seen as just local) within a larger historical/global context? Does this shift perspective on moving forward?
    • Clarification: These are big, “generational” questions; the goal is to begin unpacking them collectively.
    • Logistics: 15 minutes allocated for journaling (until 3:30 PM). Followed by breaking into two small groups (one of 4, one of 3) to discuss their reflections. Group members are assigned.

  • Something I spent way too much time typing up on a Facebook group:

    > The MasterCard Black is only $495 and ( as I understand it) allows more than just the basic card holder to go to the lounges.

    Oh that’s a big misconception. The MasterCard Black is a problematic credit card product.

    (more…)


  • Korean church is having problems with their livestream again. After they purchased a new camcorder and a new mixer, there’s a pickup of a very noticeable noise in the livestream (which can be replicated at all times in video files recorded with OBS as well).

    The current setup is:

    Microphone -> wireless receiver -(XLR to XLR)-> Mixer -(1/4″ to RCA)-> Camcorder -(HDMI to HDMI)-> HDMI Capture Card -(USB 3)-> Laptop

    (more…)


  • So in February I booked a one-way ticket from LAX to OGG for two at $400 on Hawaiian Airlines main cabin, through their website, in preparation for our honeymoon trip in September. I bought them in advance thinking that fares may go up later, and Hawaiian promised that main cabin tickets were fully refundable. I also moved 18,000 points to the Hawaiian account from Bilt, in anticipation for a return one-way ticket.

    Their website flaunts this fact (that main cabin tickets are refundable) a lot.

    “No change fees – Book now, change if you need to without a fee.”, the website says.

    So it came time to cancel these flights. Our honenymoon plans changed.
    I cannot cancel them online – I have to call.
    (more…)


  • i saw some guy in the facebook points group asking a question
    and a lot of people misunderstood the question

    so i typed up the following most useless lengthy respoinse:
    (more…)


  • at HMart I saw this 80 year old dad talk with his 50 year old son
    (In front of HMart’s customer service desk)
    Dad: ask them if they have chopsticks
    Son: I don’t think they have it
    Dad: Look! there’s a korean woman sitting there. Ask her. They gotta have chopsticks
    Son: Uh dad I don’t think they give out free chopsticks.. this is not Korea

    I think they were looking for free chopsticks to eat their instant pot ramyeon (the kind that you microwave)

    Son talked to the latino customer rep guy, who told him “You can get it at the cashier’s”

    Son couldn’t understand what he meant. “Cash…?” he asked

    I told him “They said that you can get it at the cashier’s”
    Son: for free?
    Me: Idk about free, but they said get it at the cashiers


  • I’ve been hearing about ChatGPT for a few weeks now, and the tone on it has been so bizarre.

    First it was the programmers/adjacent and tech youtubers

    https://www.theatlantic.com/technology/archive/2023/02/google-microsoft-search-engine-chatbots-unreliability/673081/


  • We went to Bon Shabu restaurant on Monday, January 2, 2022 – day after New Years. Overall the place doesn’t seem to be staffed properly and your dining experience may be a draw of luck. It’s a fancy looking place that charges $60 per person during dinner for AYCE shabu shabu (when other places charge $30) and their menu boasts expensive sounding 4 types of wagyu, 5 types of prime beef and other unusual meats like lamb.
    (more…)


  • You know tech reviews keep saying that consumers like big screen phones and they sell well and that’s why there’s no small phones but I wonder if the real issue is that when you have a big screen you can fit a bigger battery underneath.. and if you have a small screen and you end up with a small battery, that would be the kiss of death that would tank sales. Are we completely oblivious to that fact, I wonder