u/IncreaseCareless123

BILT Palladium has happened to be my very first points card. I’m planning trip to Europe in September and trying to figure out which awards portal to use for tickets hunting.

I checked Points.me, Points.yeah, Roame, Seats Aero - each of this is heavily paywalled. I don’t mind paying, but have no idea which one is better for BILT cardholders.

Which portal you can genuinely recommend without a heavy price tag? Ideally with cash price / cpp comparison.

Dear Fidelity,

I’m genuinely tired of looking of a good portfolio tracking app and building spreadsheets, why the built-in visuals in the Fidelity app so limited?

The table is nice, but can we please have a pie-charts with breakdown per categories, funds x-ray, benchmark comparison, and everything of this kind? I don’t understand why I need to use anything else if Fidelity is the only broker I’m trusting my money.

I live in NJ and started HSA a bit more than a year ago, family plan. We both in 30th and relatively healthy, thinking about having a baby in a few years.

My plan has $3500 deductible, $6000 OOM (in-network), and $16000 OOM (out-of-network).

So far I’ve saved $11500 in HSA, of it $2000 cash minimum by Optum, the rest $9500 in the Vanguard U.S. Treasures to get higher return than cash and don’t deal with bookkeeping in NJ. I’m maxing my contributions.

I’ve thinking when it’d be time to start contributing to SP500 or something like this. I am thinking about:

1. x2 OOM in network - $12000 between cash/U.S Treasures, rest VOO.
2. x1 OOM out of network - $16000 cash/treasures, rest VOO.

What is your conservative setup? I DO plan on using HSA for high expenses (baby delivery, surgery, anything more $1-2k).