I had kids older so I’m biased but imagining my kids grow up and move away how often am I going to see them and talk to them? Or rather how often are they going to want to see or talk to me. Hopefully a lot but so I have kids when I’m 18 for a type of life that may or may not exist. If I could do it again we would have had kids maybe 8 years earlier but that still doesn’t make a huge difference. There’s such a strong sentiment in this thread that people who wait are selfish or fools or the only benefits are financial but I feel like there’s a disdain from people who had kids early .

My wife was diagnosed with Rheumatoid Arthritis, we were able to travel the world and do things she wouldn’t be able to do had we had kids right away and tried to do when we were 40. Is that worth having 15 years less with our kids? I guess time will tell but I know either way we enjoy them every day as a home maker and work from home dad they get to enjoy us as young kids and we take them on all kinds of adventures since I work in the late afternoon evening.

> imagining my kids grow up and move away how often am I going to see them and talk to them?

https://waitbutwhy.com/2015/12/the-tail-end.html

> It turns out that when I graduated from high school, I had already used up 93% of my in-person parent time. I’m now enjoying the last 5% of that time. We’re in the tail end.

Citi consistently was the card who would freeze and not work when I was overseas despite me telling them I was traveling leading to many embarrassing moments. They always say, oh we're just trying to protect your account from fraud. I'm like, you already guarantee i'm not responsible for fraud so you're just making my life inconvenient to protect CITI from fraud.

I had the opposite problem - we received a card that we didn't activate (basically, lapsed account, being young and too lazy to close it).

They let someone in the USA (we are in Australia) pay a Netflix subscription with it. This was new, so it wasn't one of those inherited authorisations that sometimes exist when a card switches over. So not only did someone get the card number from a card that was never used, they let the transaction through when it was never activated.

It took numerous phone calls to sort out. Every time we did, there was a rounding error due to interest, foreign currency fees, etc, which meant we still owed money despite the only transactions being unauthorised. The ladies in the Philippines were nice, but it was ultimately an annoying ordeal.

This still happens consistently, and I don't even have to leave the country, I just have to buy flights to a foreign country (eg: for vacation) or buy something from a foreign website (eg: buying a gift for my family).

The only reason I use them is for their 2% cash back on everything, but I have stopped using them for any non-domestic purchases.

> The only reason I use them is for their 2% cash back on everything

You can get more than that, see https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashb...

I have not found any card where you can get unlimited cash back on all categories that still returns more than 2%. Is there one?

They're literally listed in the table I linked? The first 6 rows are all > 2%. One of them even has the word "unlimited" in the name.

All of them require some additional hassle, there isn’t any card over 2% that is straightforward.

I saw the table but it appears to be wrong or misleading. None of the cards are over 2% unlimited.

If you click through the links to the bank websites, they say:

2- It shows the card is actually 1.5%

3- It is actually 1.5% (only 2.5% on the first 10K)

4- It is actually mostly 1%. (3% cash back on gas and EV charging and 2% on utilities and groceries (with a combined $1,000 monthly spend cap)—and 1% on all other eligible purchases)

5- Also 1.5%

Didn't keep going.

What about the first one? It says "up to 3 points per dollar". The words "up to" sound supicious. And what is a point worth? I spent 2-3 minutes on the website and didn't find answers to any of these questions so I concluded it's not really 3% cash back. Perhaps I'm wrong on this one but when they make the info so hidden it usually means there is a catch.

> Didn't keep going.

Hence your confusion. Read the footnotes. The 1.5 is actually > 2 if you fulfill the criteria, that's all it depends on. It's not that complicated, you just need to spend more than 30 seconds on researching it if you really want the cash back.

As for the 2.5 one, it's 10k per billing cycle, I believe. That's a $120k/year limit... if you're putting that much, well, you're in the minority, so to speak.

The point was people thought it was too late then. And again at microsoft ten years later. I thought it was convincing.

Don't worry, I thought it was.

I went to basic training and looking back on it, it's almost funny how easy it was compared to other training and situations I was in, but RELATIVE to my life up to that point it was way harder than anything I had experienced as a high schooler. and relatively speaking it was harder than any other training that came later that was actually more challenging. I'm not sure if that makes sense but i'm agreeing with you.

It’s kinda weird how that works out. You’d think that every time you experienced something that was harder than anything you’d done before it would be a big deal, but apparently, basic training works on a meta-level. Instead of learning how to get through that particular hard experience, you learn that you can always get through a harder experience than you’ve ever dealt with before.

I liked Wander to travel with my family when we were apart .

Why, of all the people who have researched this, is this the only time I’ve seen this theory and can’t find it anywhere online when I Google it.

Because it makes no sense. An event that took place over hundreds of years obviously can't be a math error due to a change in calendar on one specific year.

All shipping in that area is being attacked not just Israeli-tied ships. Also if someone uses violence to terrorize you into complying with their beliefs that is literal terrorism and it's bad.

what kind of improvements?

Hey. Reposting my other comment here since the reply is similar:

I can feel connective tissues and other pains that have been attributed to it by medical folk. It got pretty bad. Stress, anxiety, and other things also contribute. I noticed that it would be worse shortly after consuming high raw sugar foods or fatty/carby things like pizza, so I changed the diet over time to see what helped and didn't and ended up with this. The changes I made caused these issues to slowly decrease and now pretty much entirely gone away.

So, very minimal or no body pains in general where it used to be a lot worse. Sleep is improved, and my energy levels are more stable. I've also noticed that I don't get hungry as often, and when I do it doesn't cause mood issues like it used to. I used to be quite grumpy if I hadn't eaten in a while.

That happened to me a lot more as a child but i think still sometimes as an adult. I remember a dream just bouncing a basketball over and over. It's weird.