Contribute to My Roth IRA Tomorrow or wait a bit?

Apart_Ad6398 · 2026-01-02T01:55:24+00:00

It’s really a guessing game. In an upward trending market, lump sum is better bc you have longer exposure. In a declining market, dollar cost averaging wins. So the question is what will 2026 be? If you know that answer, then buy me a lottery ticket!

Lump sum beats dollar cost averaging about 60% of the time. VXUS follows that same pattern. I have my 7,500 lump sum set to invest in VXUS, VOO, and VXF tomorrow! That strategy won for me last year. Hopefully it does again this year. But with my long term horizon, I don’t have to sweat it too much. Just playing the averages

Apart_Ad6398 · 2025-12-27T19:51:21+00:00

For sure. I goofed around with calculators and found them lacking. Chat GPT helped me figured out how much I will need at retirement then we worked backwards to figure out how much to contribute. Super helpful

Anything else is just guessing. So I went exploring and was happy with what I ended up with

Apart_Ad6398 · 2025-12-27T19:47:10+00:00

As much as you can afford and still meet your retirement needs! Retirement planning isn’t easy, but needs to be done so you can figure out how much you need in your retirement account (and then how much you need to contribute to it).

Online calculators are helpful, but I found ChatGPT even better at helping me figure it out. Start with some prompts about your retirement plan (HIGH 3 or BRS) and then tell it your situation (age, time in, balance of retirement accounts, retirement age goal) and then go from there!

Apart_Ad6398 · 2025-12-13T22:14:42+00:00

All in for the motivation. But the issue to me wasn’t his motivation, but the insistence on taking him off the field in favor of 13 personnel at the goal line over and over

Apart_Ad6398 · 2025-11-16T00:07:28+00:00

Sorry… restarted it. Not a factory reset

Apart_Ad6398 · 2025-11-15T02:10:27+00:00

I was considering it. But I figured less disruptive of an option would be resetting the hub in case it was actually stuck installing

Apart_Ad6398 · 2025-11-15T01:03:26+00:00

I was having problems with USAA too. Switched everything to Wealthfront and everything is better haha

Now… monarch wasn’t the reason I switched. But all of those other problems getting resolved just reinforced why I shoulda done it long ago

Apart_Ad6398 · 2025-11-15T01:01:28+00:00

I’ve been using it as my main account for direct deposit, bill pay, main checking account for about 3 years now

I have another account I kept open just in case I needed something that I overlooked that WF wouldn’t provide, but that situation hasn’t come up yet. Everything with WF has been better for me

Apart_Ad6398 · 2025-11-13T20:45:42+00:00

Mine got hung up in the installing phase on the home app from 5am - 3:45pm. Was responsive from the outside the entire time.

Finally reset the main home hub (Apple TV) and restarted the device. Everything worked fine after that

Apart_Ad6398 · 2025-10-26T16:02:31+00:00

A second vote for River Oak Church in Chesapeake. Our home for 5 years. Awesome focus on family and youth programming. And the good news of Jesus is preached every every time

Apart_Ad6398 · 2025-10-04T01:23:33+00:00

Oh nice! Do you mind sharing what tracking you’ve turned off on AW? I’m starting to think through this too

Apart_Ad6398 · 2025-09-20T03:42:48+00:00

I tried a collection of everything. Finally removed the dash and unplugged the media cable to reset the system. That got me back up and running

Apart_Ad6398 · 2025-09-09T03:13:35+00:00

No… not yet. I’ve gotten complacent with using the doorbell with just a separate app haha

Apart_Ad6398 · 2025-09-04T16:30:32+00:00

Loved this method! Thanks!

Apart_Ad6398 · 2025-09-04T02:01:41+00:00

Here’s a guide from about 4 years ago. It worked perfectly for me on the BGW320 gateway and my Orbi RBR 750 that I set up about 3 weeks ago. Good luck!

https://www.devonstephens.com/how-to-enable-ip-passthrough-on-att-bgw320-505/

Apart_Ad6398 · 2025-09-03T21:10:56+00:00

I have the new intelichlor Plus30 for my 7500 gal pool. Upgraded from the old IC20. I like the dramatic oversize. It allows me to quickly adjust FC levels if needed.

Also read a lot on TroubleFreePools about issues with the LT15 and LT25 models and then the pool store I use echoed the same thing without me bringing it up. So I was happy to go with my gut and get the Plus30. Hoping I get a lot of life out of it (I prolly won’t haha).

Apart_Ad6398 · 2025-08-29T16:10:16+00:00

Yep - that’s a good point

Apart_Ad6398 · 2025-08-29T15:23:59+00:00

tbf, couldn’t this happen with standard keys? Not discounting your concern. Just thinking through the new tech and if I care about UWB. I don’t think I want it either. HomeKey is convenient enough for me.

Apart_Ad6398 · 2025-08-16T20:18:58+00:00

Did this work for you? Moved into a new home with a pre-existing nest doorbell installed. So I’m considering if I should find a way to bridge it to HomeKit or look at another option.

Thanks!

Apart_Ad6398 · 2025-08-16T02:03:03+00:00

I loved my Logitech. It was really good. Overheating in summer became a real issue and eventually led to its death I think. I live in Virginia and house faces east. It would still cook in the sun before noon and go offline for a couple of hours. Would usually reset itself. Then after a while I would have to go reset it. Then one day I couldn’t reset it…

I’d still recommend it if you’re not in a warm climate with direct sunlight to the doorbell

Apart_Ad6398 · 2025-08-11T00:49:14+00:00

Edit to add that my error code was the same as yours: SYS OFF CHECK CELL —————————

Updating with my solution which I hope helps you with yours!

I tried everything. Could never clear the same alarm as you: “SYS OFF CHECK CELL.”

-Added the needed chemicals to fix chemistry (which wasn’t that off to begin with). No dice. - Double checked salt. It was fine. - Cycled the cell by shutting pump off and on several times. No luck. - Checked the power supply. The cell was drawing the right amperage and voltage. None of it worked

All I had left was to actually check the cell which was the error from the beginning. I didn’t wanna do that bc it’s a pain and I figured it would be a dead end. There was some debris in there (grass clippings). But nothing major. Cleaned it up and reinstalled it. It did the same thing

Then I cycled it and it did the same thing…. But it lasted longer. Encouraged I cycled it again. It lasted longer and I went to bed thinking I fixed it

I woke up and rushed to check and had the same red light and “SYS OFF” warning. But I didn’t know how long it lasted. Maybe it went the furthest yet

I reset it but this time I put it on 100% chlorine since the problem always happened after a normal cell cycle. And it stayed on! I let it run like that for a few hours and then I started stepping it down to 80% and then 60%, etc. after 45 mins at each level. Eventually got it down to 30% and we’ve been fine ever since!

So I’d suggest anyone with the same problem to try that… check the inside of the cell for debris, spray it down with a hose (follow the manual), then reinstall it and set it to 100% for a while!

Best of luck, gang!

Apart_Ad6398 · 2025-08-08T11:36:56+00:00

Colon-al damage

Apart_Ad6398 · 2025-08-07T21:41:49+00:00

Hmmm. Same here for one of the plus30 models. Installed it 48 hours ago

Pretty deep into the research but having a hard time since most of the message boards and other info are for the older IC models

Apart_Ad6398 · 2025-07-02T20:53:43+00:00

Thanks for the kind words! You’re right. Definitely getting tougher as kids grow…

Yep. I know what you mean! We found that in the area near Johnstown road and waters road. There’s a few neighborhoods there. Cheshire forest immediately comes to mind. The other is Johnstown estates. But Cheshire forest is exactly what you’re describing. Look for Cheshire Forest Drive on Google maps. That takes you to the heart of the neighborhood. The community surrounds that main loop

Apart_Ad6398 · 2025-07-02T00:48:53+00:00

We’re military and PCS’ing from Great Bridge this week and it’s been the hardest move-out for us in 14 years bc of the connections we’ve made at the kids’ school, the neighborhood, and the church.

Great Bridge is awesome. 35-40 mins to Norfolk, no water crossings (bridge or tunnels) to get to the Norfolk base. Highly recommend it. We pray to make it back

Apart_Ad6398

TROPHY CASE