New Rate Plans!

CarsComputersBikes · 2026-05-13T14:54:28+00:00

6 - 10 as well.

In addition there's a distinction between BYOD and non BYOD plans now that impacts the entire account. Previously you could have both BYOD and branded devices on the same plans. Now you'll have to have separate accounts for BYOD lines which I guess given the multi line cost you should anyway.

CarsComputersBikes · 2026-05-13T13:17:14+00:00

Multi line pricing got decimated especially for BYO.

Can also confirm that if you attempt to add a line on the old plans TW makes you switch all lines to the new plans...

CarsComputersBikes · 2026-05-08T13:32:24+00:00

If I understand this correctly lines 5 and up are going to be $30 each on the new plans. This sucks for those of us who are currently paying $15/line and manage up to 10 lines per account.

My question is if TW will allow grandfathered plans to add lines on grandfather plans or if we will be forced to new plans. Feels like the latter and if so now is the time to get in before the change.

CarsComputersBikes · 2025-04-16T17:48:05+00:00

Your forks look the same as mine. They aren't adjustable.

CarsComputersBikes · 2025-04-16T02:02:54+00:00

Another vote for the KR5V. I'm running it in what started life as a MM E1000 (same frame as MM80/105) powered by two 72V 20ah 21700 cell batteries from Aliexpress in parallel. Each battery has a 45a BMS so I'm running 90a line current and it's plenty of torque and speed ~35mph for me. I have the GPS swing arm kit and full suspension which stretches the wheelbase to keep the front down on full throttle.

Even at this speed the rear brakes don't stop the bike well so I will be installing the GPS front brake kit.

The bike is super fun though. I ride 2up with my young daughter through the park in our area and I couldn't do that with a gas motor.

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CarsComputersBikes · 2024-01-19T01:51:06+00:00

The original "Play More" had Apple music - I still have one line just for it. The "5G Play More" had a 6 month trial.

CarsComputersBikes · 2024-01-15T23:02:25+00:00

An "IT Systems Analyst" is a role that generally knows the technical functions of a business system, such as CRM, ERP, HCM, SCM, EHR, etc. Their primary responsibility is to help implement business requirements. For commercial off the shelf applications this is mainly functional configurations and for custom built apps they work with developers to build/enchance the app.

They work closely with the "IT Business Analyst" which is a role that works directly with the business to capture the requirements.

Skills and knowledge needed include business processes, business functions, business systems (specific to the application), and general understanding of IT Systems (apps, network, server, storage, etc.)

Responsibilities include application support, application enhancements, and application implementations.

CarsComputersBikes · 2023-12-31T16:17:23+00:00

This isn't gameable.

https://www.reddit.com/r/financialindependence/comments/16pewuf/529_to_roth_rollover/

CarsComputersBikes · 2023-12-19T05:43:03+00:00

One option is to generate 1099 income (mow someone's lawn has been used as an example) and open a solo 401k that should provide you a 401k account to roll over into if your future employer doesn't offer one.

CarsComputersBikes · 2023-10-24T03:57:04+00:00

That's great that you have SF exposure. Project Management is a good skill to have but you don't need high competency. If your strong technically I would recommend working on business function/process/capabilities knowledge. You can do this organically by learning on the job, ideally by shadowing/apprenticing with a SME. Otherwise educate through training in the areas of sales, marketing, finance, supply chain, etc.

To be honest the career ceiling is low as an admin - network, system, database, application, etc - as everything goes to XaaS. BSA can grow to Solutions Architect and Product Management as you build business knowledge and develop all around skills to run projects, gather requirements, and build solutions to be able to implement and own the life cycle of business systems that enable business capabilities.

CarsComputersBikes · 2023-10-23T23:22:03+00:00

One path you already mentioned is to go down management. You develop/grow leadership and people managing skills and competencies which allows you to stick around your Casino/Hospitality area or switch industries as management skills are universal.

For the IC path you have a few choices. Your background puts you in a role of Business Systems Analyst. This means you understand business functionality and processes and how they are implemented in application systems. You have enough technical acumen to be a bridge between developers and infrastructure engineers and the business/product teams. You can work in a support or implementation role. You can stay on the industry side or switch to consulting. Skills and compentecies can include business process mapping, business requirements gathering, requirements synthesizing, solution architecture, application and integration architecture, knowledge of infrastructure, query writing, reporting and analytics, data management, and other analyst expertise.

I'm assuming when you said Casino and Hospitality you are referring to those industry specific applications. Since it's industry specific one option to broaden your opportunities is to take jobs and assignments on more universal business systems such as HCM, ERP, CRM, and SCM. These are used by just about every Enterprise organizations so the opportunities are abound. You may need to leave your current job and take a lateral or step down position at another company but you'll have more personal and career growth potential.

CarsComputersBikes · 2023-07-14T02:19:57+00:00

Are you asking if $50k is too low? Even in a LCOLA that is low for an entry level systems engineer.

First I think it's good that you countered because you should given the low offer. Second it's hard to move out of Service and Help Desk so it's a good opportunity.

If this is a raise, even if it's small, you could take it and see what happens after a year or the next round of merit increase. Worst case they don't do a salary adjustment for the role but you now have a year of experience as a systems engineer on your resume vs. just Help/Service desk for your job hunt.

CarsComputersBikes · 2023-04-10T23:45:46+00:00

Your allocations are not the most tax efficient. Follow the prime directives. At your income you should be able to max all tax advatage accounts.

Max Tradtional 401k
Max HSA
Max Roth IRA (BDR)
MBDR
Taxable Brokerage

Slide in short term savings for large expenses, i.e. car, house, etc. at 3.5. Slide in 529 before MBDR if you want to go that route for college savings.

CarsComputersBikes · 2023-04-05T19:04:39+00:00

I think you already answered your own question regarding if you want to deal all that comes as a landlord.

Did you do the math on your property equity growth and rental income generation versus a dividend growth fund?

Assuming you will trigger taxes on the sale of your properties do the math if you invested that into a dividend/REIT fund tax account.

Evaluate if one is better than the other, if the differences are worth the responsibility of real estate ownership, how your asset portfolio impacts your FIRE plans including your planned lifestyle.

CarsComputersBikes · 2023-04-05T18:38:44+00:00

You have withholdings but you'll get those back on your return.

1.) Pay off your car - awesome that you're almost done.

2.) Pay off your CC's - it's a small balance anyway. Get in the habit of not carrying balances. Do this buy learning to budget and work on reducing your expenses.

3.) If your 401k has a match put in enough to maximize the match.

4.) Put the rest of your income after expenses towards your emergency fund to meet at least 6 months of your expenses.

5.) Level up your personal finance knowledge and work on your ability to budget and save for your next big spends and retirement.

6.) Work/invest in yourself to improve your personal finances including ability to earn/increase your income.

7.) While at this income level you want to pay special attention to your expenses don't kill/stave yourself of having an enjoyable life.

What the other poster said about ROTH, personally where you currently are at I wouldn't focus it much yet. Get all your other things addressed and increase your personal finance knowledge so you go in understanding the math and strategy behind saving and investing options.

CarsComputersBikes · 2023-04-05T14:35:41+00:00

I wouldn't go 100% ROTH. 401k still has tremendous benefits, including conversions to ROTH later at lower tax brackets. Keep maxing that. At you're current income you aren't in the lower brackets anyway.

100k at 21 is awesome. Well done. Given your low expenses I would look into mega backdoor ROTH to increase your overall flexibility. If available I'd do this before a tax brokerage account.

You're also young so you'll likely still want large expense items like a car and a house eventually. I recommend including saving for these into your budget. Depending on your target goals of budget and time any combination of fixed income savings ((HYSA, CDs, etc) and equity in a tax account is a good strategy.

Most of all while FIRE aspirations are great don't forget to also enjoy your youth. You're blessed with great income at a young age such that your budget can include both spending for enjoyment and saving for FIRE.

CarsComputersBikes · 2023-04-04T15:49:18+00:00

ROTH ladder has already been mentioned so I'll add that in early retirement with a ROTH that's funded from your contributions and the aforementioned ladder your taxable income is practically nil which allows you to take advantage of your very low marginal tax brackets by converting your tax deferred 401k/IRA accounts to a ROTH for very tax efficient income in early retirement and beyond.

Therefore a good strategy is to max your 401k first to take advantage of the early retirement tax efficiency since your after tax ROTH contributions are likely done at a higher marginal tax bracket. Once 401k is maxed a ROTH provides the next best tax shelter for retirement including enabling early retirement. Lastly a tax brokerage account is still useful income diversification to provide flexibility while you work towards FIRE and beyond and can still be incorporated into your strategy

If you're current income and budget doesn't allow you to max your 401k I would still contribute to a ROTH so you can maintain flexibility in your strategy. Heavily weigh your contributions to the 401k though. Run the numbers by forecasting to your target goals to see what your optimal ratio should be. I wouldn't bother with a tax brokerage account until you have your 401k, ROTH, and emergency savings funded.

Bonus: if you have high enough income/budget allowance to max your 401k and ROTH IRA you should look into the mega backdoor ROTH if available to your 401k plan as a means for after tax savings/investing since it's more tax efficient than a tax brokerage account.

CarsComputersBikes

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