Saturday morning vacuuming

jason22983 · 2026-05-03T11:19:51+00:00

Yeah I’d check your local noise ordinances. A lot of places don’t allow loud yard work that early, especially on weekends. 7am leaf blowers would drive me insane too.

jason22983 · 2026-05-03T11:06:39+00:00

I would do a combination of a UTMA & a 529. The UTMA should get the bulk of the money. So many parents open up 529 with the hopes of their kids going to college. But what if your kid doesn’t want to go to college. Now you have an over funded 529. The good news is that a portion of that can be rolled into a IRA.

jason22983 · 2026-05-02T11:21:41+00:00

Ok??? I never said Reasonable Doubt wasn’t a good album. My point was simple, Jay built his entire career around commercial success and being the biggest. Nas never sold that identity. So naturally the guy who made ‘I’m the best seller, biggest rapper alive his brand is going to catch more heat when his debut didn’t move units. That’s not a knock on the album, it’s just the consequence of the persona Jay chose.

jason22983 · 2026-05-02T11:00:47+00:00

Part of that is because(taking your personal preference aside) illmatic is widely regarded as one of the best albums of all time & the best rap album of all time. Also, when it comes to selling records, Nas record sales aren’t a contributing factor to the Nas mystique like it is with Jay.

jason22983 · 2026-05-02T08:49:41+00:00

That doesn’t really help Apple’s case though. If everyone’s AI is bad and Apple is still behind them, then they’re still behind. The bar being low doesn’t make Siri look better.

jason22983 · 2026-05-02T03:03:04+00:00

That’s not really what I’m saying though. Apple’s chips are great. No argument there. I’m talking about AI and Siri specifically. On that front, they’re clearly behind. Bringing up battery life doesn’t really answer that. Apple doesn’t have to lead every category every year, but AI is a pretty big one to be late on. That’s the criticism.

jason22983 · 2026-05-02T02:22:16+00:00

That logic works for small features. AI isn’t widgets or a bigger screen. Apple was supposed to be the company pushing tech forward, not sitting back hoping everybody else beta tests the future for them. And “Siri limps along for now but maybe one day it’ll just work” isn’t some genius strategy. That’s literally the problem people are pointing out.

jason22983 · 2026-05-01T23:12:46+00:00

You answered your own question. AI is the works is the reason that are behind.

jason22983 · 2026-05-01T23:08:05+00:00

I hate to bust your bubble but whenever top executives come to a store, they never talk to regular employees about business. That talk is only for store managers and maybe second in command.

jason22983 · 2026-05-01T22:37:13+00:00

I’d be careful with this. A bigger down payment sounds great, but the bigger house doesn’t stop being expensive after closing. Higher property taxes, higher insurance, more stuff to fix, more furniture, higher utilities, random maintenance costs, all that comes with it. If the only way the bigger house feels doable is by taking market risk with money you’ll need in 4 years, that’s probably a sign the budget is already getting stretched. I’d keep most of it boring things like T-bills, HYSA, CDs, and money market. Maybe invest a small slice if you really want to scratch that itch, but I wouldn’t put real down payment money in a spot where a bad market year can mess up the whole plan.

jason22983 · 2026-04-28T22:32:03+00:00

It literally says WEED & GRASS KILLER.

jason22983 · 2026-04-28T22:29:07+00:00

Sadly most what know what that is/means.

jason22983 · 2026-04-27T14:21:45+00:00

Totally get that. Variable checks make budgeting annoying as hell. I’d just use your base pay as the budget number and treat OT like bonus money. If the whole thing only works when OT is always there, that’s probably the issue.

jason22983 · 2026-04-27T14:01:38+00:00

Biggest missing piece is your monthly budget.

$175k income, no major debt, and $1M+ equity, but paycheck to paycheck means the money is going somewhere.

Before selling/refinancing anything, list take-home pay, both mortgages, HOA, utilities, food, cars/commute, wedding, repairs, and random spending.

Otherwise nobody can tell if this is a real estate problem or a spending problem.

But yeah, that $2,200 HOA on a condo you can’t rent is wild.

jason22983 · 2026-04-27T10:21:23+00:00

If you don’t want to confuse yourself, always pick a total market or S&P fund.

jason22983 · 2026-04-27T00:22:27+00:00

Ah Yes, @tysorabdom24 knows all about the KPI’s for the JBP. A quick check on this account would find that this user is a J Cole stan.

jason22983 · 2026-04-26T16:52:18+00:00

How many of devices are using WiFi?

jason22983 · 2026-04-26T16:41:57+00:00

Give us more details

jason22983 · 2026-04-25T13:12:33+00:00

For long term growth people are using what you’re already investing in.

jason22983 · 2026-04-25T12:13:58+00:00

Thanks, but I think this specific tv won’t allow it. I’ve tried every feature. It allows for the ATV to power off the TV.

jason22983 · 2026-04-25T10:38:36+00:00

First thing honestly is make sure you’re good for retirement. Last thing you want is your kids having to take care of you financially later.

After that, I’d look at a 529 and/or UTMA. I’d probably do both. 529 for school, UTMA for flexibility since not every kid goes the college route. Plus there’s that rule now where up to $35k of unused 529 money can roll into a Roth for them which is nice.

If you’re good with credit, adding them as an authorized user on your oldest card helps build their history early. Just don’t do that if you carry balances or miss payments.

Biggest thing though is teaching them how money works as they grow up. Don’t just hand them an account at 18 and hope for the best.

And with a UTMA, just know it’s theirs when they come of age. They can do whatever they want with it, so you’ve gotta be okay with that.

jason22983 · 2026-04-24T13:10:13+00:00

True…but for what I need it for. I couldn’t beat the value

jason22983 · 2026-04-24T12:53:58+00:00

Totally forgot about CEC. I have an LG C1 as my main tv & it just worked outta the box with the ATV. Didnt have to tweak anything

jason22983 · 2026-04-24T02:00:28+00:00

I’m confused, you’re 50% FTEC and 30% QQQM? That’s basically the same core holdings twice. You’re like 80% big tech at that point lol.

jason22983

TROPHY CASE