Blog - Page 20 of 43 - Kind of Lost

Chase Sapphire Reserve Authorized User Benefits

Chase Sapphire Reserve authorized user benefits come up a lot when someone wants to share their travel perks — or quietly hopes adding a family member will lift that person’s credit. Both are reasonable goals, but they pull in different directions, and the answer to “is it worth it” depends entirely on which one you’re chasing. I sold authorized user tradelines for years, so people still bring me the credit version of this question all the time, and the honest answer is more interesting than the card’s marketing.

My Free Vehicle Routing Optimizer Just Got Smarter

I’ve been turning twenty years of Operations Research models out of dusty Excel files and onto the open web, one at a time. The vehicle routing one — the free vehicle routing optimizer that lives at routing.kindoflost.com — just got a round of upgrades that make it a lot less fussy to actually use. None of it changes the price (still free, still runs in your browser), but it removes most of the friction that used to make people bounce off it.

Pickup and Delivery Route Optimization (Free Tool)

If you’ve ever tried to plan a pickup and delivery route by hand — grab a package here, drop it there, then double back across town for the next pickup — you’ve felt how fast it stops being a map problem and turns into a logic puzzle. Every delivery depends on a pickup happening first, every vehicle has a limit, and every stop has a window when it can actually happen. I spent two decades building optimization models for exactly this kind of problem, and I eventually turned one of them into a free tool anyone can use. Here’s what makes pickup and delivery routing genuinely hard, and how to stop solving it by guesswork.

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Barista FIRE vs Coast FIRE: Which Half-Exit Fits You?

I retired early, and I still work — which sounds like a contradiction until you learn the vocabulary. The FIRE movement splits the “quit your job before 65” idea into flavors, and the two that generate the most confusion are barista FIRE vs coast FIRE. Both are half-exits: you leave the career, but you don’t fully unplug from income or from math. The difference between them is what does the heavy lifting afterwards — your part-time paycheck, or compound growth you banked years earlier. Having lived on the far side of this decision for over a decade (boss-free, but rarely idle), here’s how I’d explain the two to a friend deciding which door to take.

Coast FIRE number by age: portfolio needed today to reach $1M at 65 with 7% growth

RouteXL Alternatives: Free Multi-Stop Route Planners

I spent twenty-plus years building vehicle routing models for companies that paid serious money for them, so when I went looking at RouteXL alternatives recently, I wasn’t shopping — I was checking out the neighborhood. RouteXL is probably the best-known free multi-stop route planner on the internet, and for good reason: paste in your addresses, get them back in a sensible order, free up to 20 stops. But 20 stops is exactly where a lot of real delivery days start, and that’s where the free tier ends. This post is an honest tour of what’s out there — including the free VRP tool I built and run myself — and which one fits which kind of routing problem.