eduardo s
263 posts

eduardo s
@guayosr
I like water and technology.













Places like Dunkin Donuts and McDonalds are orders of magnitude superior to their American counterparts in places like Japan and Korea. To me it proves that they actually can try much harder than they do but simply don’t because they can get away with low standards in the states. There’s something very dark about it This is DnD at the airport. You can only imagine how nice it might be in the city.


The US Bank Smartly card with 4% cash back on everything is legit and I'll update my view - actually you should get it. It has plenty of initial hassles (& bad UX) but 4% cash back on everything is worth it, especially since you can pay your taxes using the card. I paid a portion of my SF Property taxes to test it. I paid a 2.25% service fee ($384), but got 4% in rewards (~$700). Robinhood Gold card didn't work for this use case - it throws an error when you try to pay taxes using the card. You can pay federal taxes for 1.82% and get 4% back from US Bank. 2.2% CB on taxes is pretty wonderful (while it lasts!) My biggest complaint was the paltry $2,000 credit limit they gave me. I requested a higher limit in the app... but after waiting 2 weeks my limit hadn't increased. Ultimately I called in and after 15 mins on the phone and an escalation to a manager, I got a $30k limit & they say they can increase it more in a few months. My other complaints are about the system itself. It's awful... I was unable to do an ACATS transfer without printing out paper. I ended up just transferring in $100k cash and sticking it in $CLIP, a short-term treasury ETF. Yield is 4.52%; treasuries are exempt from California taxes so not too bad. Everything is manual... Including adding the card to Apple Pay, which required calling in to speak to a human for approval. So... UX is bad. Terrible actually. But now that I have everything set up (& the investment piece on autopilot) I don't actually have to deal with the shitty US Bank products that much, and I get 4% on everything which is great. Steps to open it and links below

My essay on what I learned by spending a day with a personal hero and wonderful man @kevin2kelly.

Flounder Mode @zebriez spends the day with @kevin2kelly in his Pacifica studio and reflects on what “great work” looks like Only in @ColossusReview







