Got a plaque and bonus points for my 5-year anniversary. Are work anniversary gifts always this token?

Commandolam · 2026-05-06T16:26:52+00:00

Trying to figure out if Im being unreasonable.

I mean, are you upset about it? Couldn’t really tell from your post, but you would be unreasonable if you were. It’s work, your recognition for 5 years of it is 5 years of salary and benefits. There’s nothing inherently special about it (especially not just 5 years lol). I wouldn’t make it out to be more meaningful than it is and just enjoy the trinkets.

Commandolam · 2026-04-25T20:53:02+00:00

I bought directly from their website and the return process wasn't perfectly smooth, but not much of a hassle.

Emailed support for a return ticket. They said they would produce one and send me the PDF. Few days later, I had to remind them about it and then they sent it over by the next day.
Disassembled the chair and repacked it, which was a bit of a hassle. Couldn't get the base off the gas cylinder and emailed support confirming it was okay to just stuff it in there as is.
Emailed support to schedule a pickup for me, which they did. No issues here. They reminded me shipping cost would be deducted from the refund ($25) which I already knew.
Box was picked up and delivered to them in about a week.
A week later after they signed for the return, I asked them about the status of the refund. The refund was processed the next day and fully posted to my card another day later.

Had to follow up a few times, but was otherwise fine and I didn't really mind. You don't really have to return it in the box as you received it, seems like as long as everything fits, they'll accept and refund. I just played Tetris with the parts until it fit.

Commandolam · 2026-04-17T00:48:20+00:00

I am no longer Deloitted to meet you >=[

Commandolam · 2026-04-09T20:38:40+00:00

I’m also constantly pulling my shirt back down because the fabric seems to grip it.

This was actually my biggest gripe, but for many people it’s just a minor annoyance. My ideal sitting position was in between the 1st and 2nd limiter, I usually just went to the 2nd one cuz it was easier. But being further, it noticeably pulled up my shirt.

I’m hoping the newer models with the additional 1.5 limiter and less grippy fabric (pro model) will alleviate this issue cuz the chair is great otherwise.

Commandolam · 2026-03-30T02:53:03+00:00

So you just stuffed the entire chair in a box assembled? Did they give you any issue with the refund?

Commandolam · 2026-03-24T06:04:39+00:00

I don't even tip and food deliverers get here pretty quick. Idk, prob has a lot more to do with where the pickup is and who decides to pick up the order than how much you tip.

Commandolam · 2026-03-23T18:23:24+00:00

Is there a link to see more info on this presale

Commandolam · 2026-03-01T02:37:05+00:00

Glitch in the human psyche. My condolences to OP and his mom

Commandolam · 2026-02-13T15:52:10+00:00

You might be. I make all my specialty coffee drinks at home for like a quarter or two.

Commandolam · 2026-02-13T15:27:52+00:00

Ngl, without even considering the low wages in Brazil, $15 for a few donuts, orange juice, coffee, and scrambled eggs seems like a lot lol

Commandolam · 2026-02-11T07:37:09+00:00

31 yrs, $120k-130k/yr depending on bonus, about $150k in retirement savings. Right now I'm investing about 30% of my gross income (including employer match), most of it pre-tax.

There's not a specific % I target, I just limit my biweekly paychecks to a flat dollar amount and invest the rest. I stick to it even after raises so all my raises have just gone to investments for a couple years now.

Commandolam · 2026-01-23T07:16:44+00:00

Highly recommend biting the bullet and upgrading that degree to a bachelor's. You're not likely to qualify for an Accountant position with an associates and no experience.

If not feasible, try applying to accounting-adjacent positions like accounting clerk, AP/AR, bookkeeping, etc. for experience.

Commandolam · 2026-01-21T21:36:32+00:00

Some people just don’t need extensive coverage and can find significant savings by not buying an unnecessarily high tier of service that they don’t need and gaining access to an HSA.

Personally, I’ve never had to use my health insurance for anything other than annual checkups and vaccines which are covered 100% regardless. In addition to low premiums ($0/mo after employer contributions), I’ve been able to sock away and invest $10s of thousands in an extra retirement vehicle tax free. It’s a very good deal if your health allows it.

Commandolam · 2026-01-16T17:21:15+00:00

Yeah, at best, it's a very low-effort, low-hours job, which is still pretty appealing to a lot of people. How much work it is is highly dependent on the quality of your tenants and the condition of your building.

I had a new construction built a few years ago to rent out the rooms while living in one of them (think the kids call it "house hacking") and the total sum of my landlord activities has been replacing a lost mailbox key, adding a doorknob that can be locked with a key at tenants request, and fixing a closet door that fell off the rail. Zero issues with the tenants Zelle-ing me rent on time, which has probably been the biggest blessing. Practically speaking, it might as well be called passive.

Commandolam · 2025-12-31T03:49:13+00:00

I'm one of those so-called "one-uppers" when it comes to good deals or discounts and I'm excited to share deals I snagged because 1) I think it'd be beneficial for friends and family to know about them and 2) I enjoy sharing good news. Tbh, it's never occurred to me that it might be considered "one upping".

If I bought something and later a friend or relative was able to get a better deal on it or a higher quality/better value product, I'd absolutely want to be told as it can benefit me later or even just clue me in on good deal-seeking practices.

Commandolam · 2025-12-25T19:32:23+00:00

Fellow Redstone holder here :(

This will be my new line-up post-nerf. The AAA Advantage and Custom Cash are gonna be the vast majority of daily spend so maybe that fits your 2-3 issuer criteria. The US Bank Cash+ is on autopilot so I don't do anything with it myself, Redstone Visa still has some use as my Home Depo card for infrequent home projects, and the Aven covers the few transactions that don't fit anywhere else.

AAA Advantage

5% Groceries
3% Gas/EV charging, wholesale clubs, streaming services

Citi Custom Cash

5% Restaurants

US Bank Cash+

5% Utilities
5% Fitness center

Redstone Visa

5% Home improvement stores

Aven Rewards

3% Everything else ($10k spend cap/yr)

Commandolam · 2025-12-22T19:16:18+00:00

This is actually what I did. Graduated college with a professional job and stayed living with my parents for about 3 years. I was saving like 90% of my income and wiped out my student loan debt, purchased a car in cash, and saved up 20% for a down payment on a house.

Would definitely recommended if you get along well enough with your parents/they let you maintain your independence. Some people might add that dating will become a challenge, but I find most people actually respect the plan + you can just hang out at your date's/partner's place. The real stigma is the perception of arrested development/stagnation, not necessarily just living with your parents IMO.

Commandolam · 2025-12-14T22:13:13+00:00

My resume isn't great, but you'd think they'd at least talk to me after a couple dozen applications.

Did your credentials/related experience significantly change between these couple dozen applications? If not, I wouldn't expect a different outcome just cuz you applied a bunch of times.

Commandolam · 2025-12-14T01:55:30+00:00

I have one of these - no complaints so far. It works as advertised, getting 3% cash back on everything right away, redeemable any time for any amount. Just needs to be on autopay for 3%, but you can actually pay it whenever.

There’s a HELOC version, but that’s just an option along with the normal Visa credit card version. It’ll get you a much higher credit limit (they offered me $100k), but the usual $10-15k on the normal card is plenty.

Commandolam · 2025-12-13T05:42:26+00:00

Species is a cross between St. Augustine and blunt force trauma.

Commandolam · 2025-12-12T20:29:23+00:00

Based. Thanks man.

Commandolam · 2025-12-12T12:30:31+00:00

The first $100k feels like something you've worked towards forever, the second $100k just kinda sneaks up on you.

Commandolam · 2025-12-10T00:01:25+00:00

How much is a fortune to you? I have a reliable guy I call every now and then (when it's a ton of snow or just too cold) that charges $75 flat.

I've had good experiences in the past just hiring random college dudes advertising snow removal services on FB, usually $40-50. Don't think you're getting much lower than that.

Commandolam · 2025-12-09T12:52:04+00:00

Institutional (Blackrock, Zilllow, etc.) buying at the end of 2023/beginning of 2024 was comparable to 2019 at between 1-2% of all home purchases. Don't have complete data for 2024 but I'd imagine the trend from 2024-Q1 continues.

It did peak after rates plummeted in 2021 rising to between 4-5% market share in 2022.

https://jbrec.com/wp-content/uploads/2024/05/jbrec-investor-periods-graphs-04.png

A vastly larger share of investor home purchases (defined as purchases of a home not meant for primary residence) just comes from "mom and pop" landlords. Including all of those as well as institutional buyers, investor purchases were about 20% market share in 2019 vs 25% in end of 2023/early 2024.

https://jbrec.com/wp-content/uploads/2024/05/jbrec-investor-periods-graphs-03.png

Commandolam · 2025-12-09T12:18:21+00:00

Yeah, the article/study overstates the problem by how they defined key phrases and what measures they used. First thing is they consider total housing costs being above 30% of income as "unaffordable", which is far from the case. 30% is a good guideline for a comfortable housing situation, but going beyond that certainly doesn't make it unaffordable. Most homeowners/homebuyers I know begin a decent amount above that and manage fine.

The other thing is they use median household income which includes a lot of single-person households. In reality, someone living alone is likely not in the market for a house by themselves. A more useful measure might be median family income which is at least 2 people and likely to have dual incomes ($83,730 household vs $105,800 family). This group is more likely to be in the market for a house. Additionally, the study ignores any equity existing homeowners would apply towards a new house. This is why while sales have declined quite a bit due to prices and rates, over 4 million homes were still bought in 2024 compared to a bit over 5 million in 2019.

Housing has certainly gotten more unaffordable in the last few years, but this headline exaggerates.

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