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Comparison of Major Internet Providers in the Bay Area (Primarily San Francisco)

Tier Breakdown

NameTier LevelSpeedCostReliabilityAdditional Notes
Sonic (Fiber)A1000 up/down$40/moExcellentNo annual contract
WebpassA1000 up/down$60/month or $550/year ($45/month)ExcellentChoice between annual or monthly contract
Monkeybrains (if in the right service area)AExcellent$105/3 months ($35/month)GoodNo annual contract, pay in 3 month increments, no modem required
Wave BroadbandB1000 up/down$62/month (12 month plan, doubles at end of term), may be able to reduce monthly cost by providing own modemGoodLooks like recently service and pricing may have become significantly worse. I had a good experience with them back in 2015/16 though.
ComcastB150 down$60/monthGoodMake sure you use your own modem or they’ll charge you a fee. Avoid the TV bundle as it includes a $8 fee that gets tacked on
AT&TC1000 down90/month (plus taxes)Good 
Sonic (Non-Fiber)C15MBps down50/monthGoodForced to take a home phone as part of your service
Race CommunicationsCircumstantial1000 up/down$60/moUnknown 
PAXIOCircumstantial1000 up/down$99.50/moUnknown 


Gallery of all screenshots


This site is kind of awful but sort of useful for getting a sense of what is available out there at a glance.

Official Google Adwords Coupon Link

Just want a code? Go here.

If you want to get an introductory offer for the Adwords account you’re setting up you’ll see a bunch of results from random blogs claiming to have coupon codes that give you a certain amount of credit but inevitably those codes don’t work because they’ve been used, are expired or the author is lying. The only way to reliably get an intro offer is to go to Google themselves and get a promo code from them. This was surprisingly difficult information to find so I’ve brought it together here to benefit you, :)!

The current offer is to get a $75 credit once you’ve spent $25 on Adwords (which is much better than a $0 credit once you’ve spent $25 on Adwords, :P). Make sure that your budget is 10$/day or more otherwise you won’t qualify for the credit (I got burned by this, 🙁 )!

You can find the Google offer here.

I’ve also included the page in an iFrame below if you’re lazy and don’t want to navigate to the site, :).

Important note: You can’t make use of this coupon if you’re using an account that was already signed up with Adwords so make sure that that you use a new email address to sign up for this. There are many folks posting on forums and the like complaining about having used the coupon and it not applying (since they weren’t applying it to a fresh account).

Once you provide your email and generate the offer you’ll get an email like this containing your coupon code, :).

Terms and conditions of Offer (for anyone interested)

Dosh, $5 Referral Link

$5 offer for new users joining Dosh.

I recently came across Dosh in r/churning and looked into it a bit. When signing up, I did my due diligence on checking for any referral or signup promos. If you just create an account regularly you don’t get any initial cash on signup but if you use a referral link you do. So make us both happy and use mine, :P!

Briefly, Dosh gives you cashback for purchases made on credit and debit cards that you’ve added to the app with participating merchants.

Use this link (, make sure to open on your mobile device) to set up a Dosh account and get $5 for linking your first card (debit or credit).

In my opinion, its worth setting up because you can earn cashback on purchases you’re already making without having to even think about it. Do bear in mind that they will be able to monitor transactions for the cards that you sign up with (if that’s a concern for you).

Here’s a screenshot of nearby offers for me if you’re curious

Do note that, unfortunately, you need to earn another $20 in Dosh (minimum $25 balance to withdraw) before you’re allowed to cash out.

How to Pair Hush (CB3) Bluetooth Headphones

I recently got a pair of Hush Bluetooth Headphones at work and couldn’t figure out how to pair them to my computer for the life of me. After a bunch of searching online I finally found the answer!

  • If you look at your headphones with the noise cancelling toggle on the left you’ll see the other three buttons on the right.
  • The top one on the right side has a play/pause symbol on it (and a little circle nib).
  • When you hold it for long enough you’ll hear a “Power On”.
  • Keep holding that same button and you’ll hear “Pairing On” and that’s when it’ll enter pairing mode
  • Note: You won’t be able to enter pairing mode if your headphones are already on (no matter how long you hold the button).

When holding the button down and you hear device is powered up keep holding the button down and you will hear pairing mode on. It took a little while for me to figure that out as well.

Marcus Bank: ACH Transfer Fund Availability

I recently opened a Marcus bank account (for the purposes of then transferring funds to another account and triggering a Direct Deposit). I funded with a transfer from Charles Schwab and it was taking forever for my funds to be available so I inquired how long it would take for them to available.

Turns out that funds become available in your account 5 business days after they’ve been deposited into your account.

Hope this proves to be helpful for anyone else looking for this information!

A Beginner’s Guide to Credit Cards & Churning

So you’re interested in starting churning (or maybe you just want to sign up for the best credit cards available to you)? I too was at that same point just a short time ago. I’m still learning a bunch and getting into but I’ve acquired enough knowledge and have a newcomer’s perspective which may be helpful for those starting off.

What is churning?

I would describe churning as moving through credit cards at a pace that is faster than a typical consumer with the specific goal of extracting as much value as possible out of them as possible. If you consider the value provided to you by a credit you have some baseline of underlying benefits (cashback, points earned, etc) but the blended value when taking into account a signup bonus is much higher.

Because of that, if you can manage the complexity and hit signup bonus spending goals, bouncing between cards and closing/downgrading them once you’ve hit the signup bonus will you leave with a higher effective value/dollar spent ratio than if you just use a few cards in a more typical fashion.


1) Building credit and checking your score

First step to starting to apply to credit cards is to make sure that your credit score is high enough. I would recommend opening an account at Credit Karma and using their free credit scoring to keep track of where you’re at. They’ve also got approval odds by card which I’ve found to be helpful so far so that you can get a sense of how likely it is that you’ll be approved before taking the hit to your credit with the application.

Note: If you’re like me and didn’t have a credit history until recently you’ve basically got three options.

Open a secured card (I happened to do one with Wells Fargo) to build up credit history before getting a real credit card. Secured cards are like credit cards with training wheels. You put up a certain amount of money and then are allowed to spend against it. You’re not actually being given any credit. You can only spend up to what you gave the bank as a deposit. That being said, within 6 months of getting one I was able to apply & get a better credit card (CapitalOne Quicksilver 1.5% Cashback).

Get added as an authorized user on someone else’s credit card. This is probably the best route to take as generally you won’t want to keep using your secured card (they’re all pretty terrible) and may end up closing it eventually (which will hurt your credit score in the short/medium term).

Find a credit card with a very low threshold for approval and hope that your application will be accepted.

2) Types of cards

Second step is getting a sense of what kinds of cards you would like to get. Broadly, there are a few types of credit cards:

  • Cashback cards
    • Cards with cashback that give you a certain % back for every purchase.
      Some of these cards give you more cashback for certain categories of spending either on a permanent or rotating basis
  • Points cards
    • Cards that give you points that you can redeem for different sorts of things depending on the card.
    • Points can be very flexible like Chase’s cards (Chase Ultimate Rewards, a favourite of the churning community) where you can transfer them to a variety of partners or much more specific like an airline card where you’re earning points that are only usable for that airline.
    • Points are generally more valuable on a value/dollar spent (explained in more detail below) but less flexible than just receiving direct credit or cashback.
  • Cards with perks
    • Some cards have excellent perks that can make getting them more appealing to you depending on what you happen to value.
    • For example
      • Entry to airport lounges (Chase Sapphire Reserve)
      • Rental car insurance coverage (a standard benefit but better cards have much stronger protections)
      • Cell phone damage protection (Chase Ink Preferred)
      • Purchase price protection (if price falls you get money back
  • Cards with annual fees
    • Generally cards with better sign up bonuses, benefits and cashback/points have annual fees
    • You should take into consideration the annual fee when evaluating the benefits offered by the card
    • A common tactic is to get a card with an annual fee, make use of as many of the benefits as possible in the first year (sometimes double dipping is possible based on benefit renewals and when annual fees are charged – see more below ) and then downgrade the card to another card from the same company that doesn’t have an annual fee (which will avoid your credit score taking a hit from lowering average credit age, utilization, etc).
    • Sometimes annual fees are waived for the first year but will generally be charged after that

3) The 5/24 rule

Before you make your choice you should be aware of some curious limitations that exist in the world of credit cards. Mainly, what’s known as the 5/24 rule which applies to Chase credit cards. Basically, when applying for a personal Chase credit card they won’t approve your application if you’ve gotten 5 credit cards over the past 24 months (i.e. you need to have gotten 4 or less credit cards in the last 24 months). This rule is why there are particular flowcharts (like r/churning’s Credit Card Recommendation Flowchart) that provide you with what’s deemed to be the optimal order to apply for credit cards in.

4) Evaluating the value of a card and its benefits to you (cpp & value/$ spent)

Now that you have an idea of what kind of card you can qualify for, what sorts of cards you might be interested in and what the recommended routes are depending on your situation you can start to make an informed decision on what sort of card/cards you’d like to go after.

I’m mostly following optimized routes based on maximizing returns from signup bonuses currently but I anticipate that I’ll eventually build out some basic spreadsheet models to make decisions between cards based on the types of rewards they are offering (airline miles, cashback, multipliers for certain categories, etc).

I’m proposing a model where you consider value/$ spent. So, consider a scenario where you’re spending $3000 on a card, with that card returning an equivalent of $500 worth of benefits to you, and that card costing you $95 in annual fees (or some other form of direct costs to you). That card would then have an value/$ spent ratio of 405/3000 or 0.135 (with the 405 coming from 500 – 95). Using this model you can evaluate cards more objectively. Ideally you would mock up a spreadsheet with anticipated expenses (and accompanying categories) to get a sense of the return that you would get on your spending from each particular card.

I would generally value Chase’s UR points at 1.5 cpp (cents per point) and Amex’s MR points at 1.25cpp.

5) Applying for business cards

Business cards are interesting because they can have great sign up bonuses and some have great perks (for example the cell phone protection offered by Chase Ink Preferred see below). With regards to Chase, business cards also have the advantage of not counting towards the 5/24 rule so its often recommended you get those first in order to get as many Chase cards (and Ultimate Rewards points) as possible.

Business cards be a bit tricky to obtain as they are meant to be used by businesses and, hence, come with a requirement that you have a business if you want to get one. Don’t fret too much though, something as simple as this blog that I write can count as a business. If you’re earning income and have expenses tied to your business you’ll probably qualify so give it a shot, :)!

Once you’ve applied you may find yourself awaiting review. In that case you can follow this flowchart to figure out what your chances of being approved are and whether you should take any next steps.

Note: If you’re applying under a sole proprietorship and using your own SSN (if you have an EIN then you should use your business name instead) make sure that you use your own name when filling out the form. Here’s an example of Chase’s business card application flow.

6) Acronyms

Once you get into the world of churning you’ll come across a wide variety of confusing acronyms used without much understandable context for a newbie (like you or me). Here’s my collection of acronyms that I’ve come across so far and managed to grasp an understanding of the following acronyms:

CPP: Cents per point (cents of value per point earned, a typical comparison metric used when looking at the value of points earned through credit cards)

  • MO: Money Order
  • MS: Manufactured spending
  • VGC: Visa Gift Card or Vanilla Gift Card
  • MSR: Minimum Spend Requirement

7) Manufactured spending (gift cards, bank sign ups, Plastiq, etc)

I’m just started reading about manufactured spending so I don’t have much to write here yet but the gist of it is that the best way to do a large amount of manufactured spending is to get a certain kind of gift card and then buy a money order with it under a debit transaction. It seems like this has become hit or miss as the most convenient route (buying MOs from the United States Postal Service) doesn’t work the majority of the time. More to come on this later as I continue to read about it.

Update: If you’re not looking to Manufacture Spending for a massive amount of spending then it seems like the best route is to open accounts with banks that accept credit card funding. That way you can open an account, fund it with your chosen card (but make sure you have things set up so you don’t hit with a cash advance fee on your end, more on that here), add extra money beyond the maximum for credit card funding if you’d like to meet conditions for account open bonuses, then withdraw your funds & close the account when it suits you.

You can find a great list of banks that allow for credit card funding here.

For more on Manufactured Spending check out this great breakdown from Frequent Miler.

8) Referral Links

You can find all my referral links here. Consider using them if you found this post helpful, :).

9) Other Links

Chase Business Reconsideration Advice:

Chase Business Reconsideration Flowchart:

Credit Card Recommendation Flowchart:

Banks that allow credit card funding:

Avoiding cash advance fees:

Manufactured spending breakdown:

Chase business card application flowchart (reconsideration/approval):

Product Manager’s Perspective: Onboarding in Aigo Capture

“Recently I had the pleasure of playing through a friend’s game, Aigo Capture, and offering tips on how to make it easier for players to understand the game and make it through the tutorial into regular matches. I’ve included my suggestions to him below.

Aigo Capture: Player Onboarding Feedback
My initial impression of Aigo Capture was that it was a complicated and unintuitive game. I didn’t get the sense that I would want to play it repeatedly. But, I stuck with it and now I’m actually a little bit addicted to it! Aigo Capture is great fun to play once you understand how it works but getting to that point (a point of understanding) is incredibly difficult. Fortunately, it is much easier to revise a game’s onboarding system than it is to completely overhaul its mechanics and strategy.

Based on a lifetime of playing games and my experience in the games industry I’ve come to understand that the best way to have a player learn how to play a game is to simply encourage them to dive right into and begin interacting with the systems. Although this sounds astonishingly easy to do it actually requires a great deal of careful thought for it to be executed correctly. Having players learn a game simply by playing it is somewhat akin to designing a product so that someone who has never seen or heard of it can pick it up and immediately start using it. It’s the ultimate design goal and, as with many things worth pursuing, an elegant and simple illustration of a complex system is not easily obtained. Fortunately, we have a number of fantastic examples that we can draw inspiration from and a solid base of a game to work with. So, without further ado, let’s get started.
The current tutorial system front-loads the entirety of the game’s mechanics and UI flow with a series of text boxes highlighting different portions of the game’s systems and attempting to communicate how the game works across these twenty or so tidbits of information. At first glance, you might assume that this is perfectly fine. The purpose of a tutorial is to teach, and what better way to teach than to provide a detailed explanation of a game’s mechanics and then set the player free?

Unfortunately, humans are not reasonable. They are impatient and get confused easily. Which means that even if you describe in detail how every part of the game functions they are most likely going to turn away due to boredom (not wanting to read through all the various text boxes), confusion (reading through all of the different text boxes but not being able to understand all the mechanics or losing track of what’s important), or being overwhelmed (making part of their way through the tutorial but not being able to cope with learning all of the game at once). So, to avoid losing players for reasons other than them just simply not liking the kind of game that you’ve chosen to create we want to design a tutorial that eases players into the depth and complexity of Aigo Capture and makes it abundantly clear how cool the game is.

I have two primary suggestions for Aigo Capture.

1. Instead of many text boxes explaining each component of the game start with one text box providing a summary of the game mechanics and let the player move on from there on their own.

2. Follow the design template of a game like Super Mario Brothers and let the player learn by playing.
Summary of Mechanics
For folks who are unfamiliar with games it can take them a bit of time to acclimatize to a new genre or rule set that they hadn’t interacted with before. We can expedite this acclimatization period by providing the player with a brief description of how the game functions and what its about. Some games do this in their Steam description, or with a brief tutorial video or interperse it with narrative or bypass this process entirely and rely heavily on arrows and visual cues to try and guide the player through understanding what the game is about.

For some games like Aigo Capture, a note from the creator about the game and how it works adds character to the game and makes players feel welcome while giving them a framework for understanding how the game functions. Here’s an example of a user flow and summary of the game that could help new players get to having a ton of fun a lot sooner!

Once a new player has signed up push them immediately into the game play scene and present them with a brief summary of how the game functions before moving them through the tutorial missions where they’ll be learning the specifics of how to succeed at the game. The summary could be as follows
Aigo Capture is a game about capturing units on the board. Based on the cards available in your hand you can capture cards on the board, try and prevent your opponent from making a match or clearing the board or even clear the entire board yourself. It’ll seem simple at first but prepare to be surprised by the depths to which your opponents will go to to try and outwit you. Lastly, remember to watch out for Mega Captures! Good luck!
Learn by Playing
By designing a game to teach players how to play as they move through the game we can avoid many of the pitfalls of complex, discouraging tutorials and ramp the player up with bite-sized pieces of the game’s mechanics that come together seamlessly and leave them with an in-depth understanding of how the game functions without having to go through the unpleasant exercise of reading a bunch of text and trying to memorize rules and mechanics. Basically, we’re leveraging the medium of a game to disguise learning as playing. Interestingly, the learning that the player goes through as they get better at a game is part of what makes playing games in the first place so engaging as that sense of skill, ownership and knowledge increases.
My specific suggestion for Aigo Capture would be to break down teaching new players into a few separate tutorial missions.
1. Basic rules of play
a. Must play card every turn (unless you use the skip a turn power, but introduce this later)
b. If the card you play matches a card on the board, or matches a sum of some or all of the cards on the board, you will capture those cards.
c. If you clear the entire board you get a Mega Capture and earn bonus points for each time you can do that!
d. The round continues until both players have used all of their cards at which points are tallied.
2. Various point rules (illustrate each of these with a separate round where the player is prioritizing earning each type of point & then demonstrate at end with score screen why this is important)
a. Cards captured
b. Power earned (cards captured & power earned is important because of the balancing between lower numbered costs with higher power values and higher numbered cards having lower power values)
c. Elites captured
d. Gold card captured
e. Mega Captures
3. Powers and when to use them (create three different scenarios where it would be most advantageous to use either of the powers)
a. Swap
b. See
c. Skip
4. Dark Matter and calling for backup
a. Why is Dark Matter important
b. Why is calling for backup better than putting one of your own cards out there (for the most part)
5. Introduce the user to the other parts of the system (this you can do quickly with your text box prompts)
a. Quick Match System
b. Challenges
c. Leaderboard
d. Profile
e. Matches
f. Achievements
g. Energy

It’s clear that players who have made it through the tutorial and understand the mechanics of the game do really enjoy it. As is evidenced by my newly minted account being challenged by a veteran player eager to assess my competency in the ways of Aigo Capture.

Although this type of game won’t likely end up being a mainstream juggernaut (too much strategy and not enough action for the average player) I do see it having a vibrant community with a constantly evolving meta and perhaps a fledging tournament scene. Keep up the great work Matthias!”

How to Get Netflix on the Razer Forge TV

“If you’re like me and you got a Razer Forge TV but were dismayed by the lack of Netflix you’ll be happy to hear that it is in fact possible to get it working on your Razer Forge TV despite the launch and support of the device being completely fumbled and the product outright discontinued (apparently the Forge TV has not been discontinued despite many signs seemingly pointing to that fate).

You have two choices, download from the link that I’ve uploaded the APK file to, or from the APK mirror place that I got it from in the first place.

Obtaining the file

  • Getting it from the link I’ve uploaded it to
    • Open  your default web browser app.
    • Type in: “”””
    • Click on the link to download the APK from the link that you’ve been navigated to should be (
    • Install Netflix!
  • Getting it from the mirror site
    • Download the app ES File Manager through the Google Store on your Razer Forge TV.
    • Navigate to favourites and go to Google.
    • Search APK Mirror
    • Select the first search result,
    • Navigate two presses to the right and hit the select button on your remote.
    • Search for Netflix
    • Scroll down and select Netflix 3.16 Build 5294.
    • Navigate down until you see a box around the Google Play store icon and then navigate one to the right. Hit the select button to start your download. Once it’s downloaded go ahead and install.

Once you’ve finished your install you’ll have to go to Settings > Apps and then select Netflix there to open it.

Enjoy using Netflix on your Razer Forge TV device.

This article was inspired by instructions from MaterializeBD’s Youtube video here.

That’s all for now. Have a pezant day!

Note: If you liked this article. Consider donating or installing this Chrome Extension I made that gives me credit for your Amazon purchases (by adding in my referral tag when you’re browsing Amazon).


Preventing Keyboard Language Switching

“Hi everyone. I’ve been gone for a while but I’m back with what I consider to be a very helpful tip. I’ve been playing a lot of WoW recently and have been frustrated multiple times by my keyboard changing to French keyboard thus preventing me from being able to type “”/”” until I manage to revert it. After some searching I realized that if I hit Left Alt and Ctrl at the same time it switches to my other keyboard. I’ve included a step by step approach below to remove the hotkey for switching keyboards (you can still easily swap between them using the menu accessible through the toolbar).

That’s all for now. I hope you found it useful. Have a pezant day!”