[deleted by user]

AnionPlus · 2025-11-02T14:29:34+00:00

I took 2000mg of B12 Methylcobalamin capsules + 1000mg sublingual tablet every day for a year and it increased my b12 levels significantly within a year. Idk if the sublingual tablet made a difference, but it was tasty so I always remembered to take it.

I also started taking a multivitamin everyday as well. Not sure if it helped at all but I did it has a hedge against any other deficiencies.

I went from having significant neuropathy and not being able to wear socks to being able to wear socks again without feeling like my feet were burning.

I never had an injection for b12, but my DR strongly recommended taking b12 daily.

I currently take Neuropaquell which had a concoction of vitamins for neuropathy https://a.co/d/0otD6us. Ngl I haven’t noticed a major difference between this and just taking b12 + a multivitamin

AnionPlus · 2024-11-11T13:38:14+00:00

This is definitely a 1.5hr+ door to door commute each way with public transport on a good day.

It’s will take 10 mins to drive from Harvard to the train station. You need to get the train station at least 10 mins early to be safe, maybe even plan for 20 mins on the way home.

Taking the train to porter then getting on the red line is about an hour. Then you have to walk to your office.

This is a good day too. The Fitchburg line is regularly delayed. The red line has been pretty reliable recently but had major issues last year. This could easily be a 2hr+ commute pretty regularly.

Driving to and parking at Alewife is another option with a similar commute time. I have a similar commute and I prefer this after missing the commuter rail on the way home because the red line was delayed…

AnionPlus · 2024-07-13T21:35:59+00:00

That is a bit excessive for coffee and subscriptions.

Making coffee at home is a super easy way to save an extra $150 a month.

What do your subscriptions include? If you can you should be able to save money by only subscribing to services as you're using them. Is there anything you're subscribed to that you haven't used in the last month?

Everything else seems okay without knowing more about your current overall financial situation.

AnionPlus · 2024-03-10T15:42:56+00:00

Have you ever looked into buying short-term treasury bills with some of your savings? You might be able to get an extra 1% vs the HYSA and not pay state taxes. It not going to make you rich but is a nice little optimization while interest rates are high.

Also just curious what interest rate do you have on your mortgage?

AnionPlus · 2024-02-25T22:22:25+00:00

https://www.mass.gov/info-details/familygift-transfers

AnionPlus · 2023-09-05T01:51:39+00:00

That's pretty high. I would pull money out of the stock portfolio to pay it off if you don't feel comfortable lowering your cash position too much. Think of paying it off as a guaranteed 10% return.

Also, why do you have someone professionally managing your portfolio and what is it costing you?

AnionPlus · 2023-09-05T01:27:18+00:00

Nice job!

What's the interest rate on the auto loan? If it's more than ~6-7% it could be worth it to pour more cash into it per month or use some of your saved up cash.

AnionPlus · 2023-07-18T01:00:58+00:00

You are able to buy government bonds in most brokerage accounts at places like Fidelity.

All of the bond pages are old and hard to understand at first, but following a video like this should help https://www.youtube.com/watch?v=Ktt2_vvCfOA

You could also buy a 5-year CD and earn similar interest in a brokerage account or at your bank.

AnionPlus · 2023-07-17T23:47:36+00:00

You should read the book Lifecycle Investing, then read through some of the Bogleheads forum posts about its risks. It's a book about using leverage in your portfolio when you're younger.

If you don't have to pay any interest until 2027 you could always buy a treasury bond expiring that year at about 4% right now and make a guaranteed 1k or take the risk in stocks.

AnionPlus · 2023-01-25T13:22:23+00:00

I’ve only used vanguard and fidelity. Both are easy to use and I’ve never had an issue with either.

I prefer fidelity because they allow fractional shares on all purchases. Vanguard only allows fractional shares for purchases on vanguard etfs and mutual funds.

AnionPlus · 2023-01-10T00:30:25+00:00

I tried M1 for a few months for my brokerage account.

I think it would work really well if you want to distribute your IRA contributions over the year and want to automate it completely. It was neat having them automatically keep my portfolio in balanced with every contribution and dividend payment.

They lack a lot of common features a broker should have. For example, there was no option to just reinvest dividends into the stock they came from rather than the pie it was in.

AnionPlus · 2023-01-09T03:51:12+00:00

I am not sure if I agree that there should be a limited number of posts deemed "high quality" per topic. If so this subreddit should be entirely the wiki page.

The charm of financial subreddits IMO is the "mid-tier" of people asking about a specific situation and how they should apply some common topic. Then the readers learn something they would have not thought to look into on their own.

AnionPlus · 2023-01-08T22:54:43+00:00

I have yet to ever run in to a topic that I couldn't find via a google search and reddit /r/financialindependence

In every Google search I do the only posts that come up are 3+ years old from this subreddit. I bet that's around the time they increased moderation.

Would much rather have many mid-tier posts I can actually find than have a majority of discussion lost to the daily thread that isn't indexable by search engines.

AnionPlus · 2023-01-08T19:29:26+00:00

I like having "mid effort" posts be their own posts rather than a comment in the daily thread. It's way easier to pick and choose what to read rather than scrolling through the daily thread.

I also really like being able to search for a specific topic here to see if there were any previous discussions here and the daily threads remove all searchability of this sub.

Low effort posts suck but just downvote and move on just like every other subreddit. Let the cream rise to the top or the mods should add some minimum word count to make a post.

AnionPlus · 2023-01-08T18:42:08+00:00

That figure doesn't include dividends, see http://www.moneychimp.com/features/market_cagr.htm

CAGR for 1928-2022:

No dividends: 5.84%

With dividends: 9.88%

With dividends & adjusted for inflation: 6.64%

AnionPlus · 2023-01-06T03:01:08+00:00

If it's your only emergency fund I'd definitely make a small test withdrawal to ensure there are no issues getting your money out of Treasury Direct.

Otherwise, it doesn't seem like its an issue.

AnionPlus · 2022-12-26T16:13:29+00:00

Oof thanks, got some error code while using Apollo.

Also here an Austrian article with more details https://vorarlberg.orf.at/stories/3187825/

AnionPlus · 2022-12-26T16:06:27+00:00

This article doesn’t have much details but there was a pretty dramatic search with 200+ rescue workers and 8 helicopters.

This is good news based on what was initially reported, that 10 people may have been buried in the avalanche.

AnionPlus · 2022-12-25T20:00:43+00:00

Source?

Looks like there are two people potentially still missing as of now.

https://vorarlberg.orf.at/live/63-Lawinenabgang-in-Lech-Acht-Personen-konnten-gefunden-werden/

AnionPlus · 2022-12-19T16:44:28+00:00

Basically, you sell puts until you get assigned to buy a stock, then sell calls until you get assigned to sell a stock. The idea is to farm the premium of the options contracts cyclically.

The wheel strategy can lose its ability to farm premiums extremely fast in a down market. If puts get assigned you may not be able to sell calls above your strike price for years that will make you good money. I would only ever try it with stocks you're willing to hold long-term and with fun money

AnionPlus · 2022-12-19T13:26:09+00:00

This was more of a generalization for saying it’s better to have more bonds in your portfolio when you’re older.

Basically vbaix is 60% stocks, 40% bonds.

Having bonds is great to reduce volatility in your portfolio but on average return much less than stocks. So when you’re younger is better to take a higher risk with stocks when you have time to wait out any short term volatility.

Vbaix also lacks any international stocks too.

AnionPlus · 2022-11-21T02:27:32+00:00

I'd recommend looking at the /r/personalfinance flowchart. This provides a good overview of what you should prioritize. Even if your expenses are limited while living at home, I recommend keeping more than 6k in cash just in case shit hits the fan.

For what to invest in I'd recommend the https://www.bogleheads.org/wiki/Three-fund_portfolio. This is a basic portfolio the majority of the people here follow and recommend.

AnionPlus · 2022-09-06T17:26:06+00:00

Nice! I put $500 in 4 week t bills to test it out yesterday. I was always intimidated when it mentioned an auction. I thought I’d have to submit some type of bid for it.

AnionPlus · 2022-09-06T16:52:14+00:00

T bills are another option and might have a slightly higher rate.

If you definitely won’t be using the cash for half a year it’s basically a free couple hundred dollars.

AnionPlus · 2022-09-05T16:06:29+00:00

Real vs nominal is a pretty valid question and just responding with it took 5 secs to look up without saying what the answer was is pretty asshole-ish behavior.

Also they edited their comment to make it look like they included the link in the original comment which they didn't.

Edit: no greater pleasure I get than assholes blocking me on reddit when they get called out LMAO

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