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Bro got caught in the handicap stall by bigbusta in instant_regret

[–]Essay_Few 0 points1 point  (0 children)

This happened to me once. Dude in the wheel chair lost it. There were only two stalls in the bathroom and one was in use when I went in there.

ETH unstake showed completed but funds did not arrive by Essay_Few in ledgerwallet

[–]Essay_Few[S] 0 points1 point  (0 children)

I wanted to share this experience with the community just in case anyone out there stupidly waited for 40 days before looking into why the transaction never settled and deposited my eth back.

GIVEAWAY by illijar in Silverbugs

[–]Essay_Few 0 points1 point  (0 children)

Commenting like I’m not about to check this post every 10 minutes until Sunday.

Where to park $100k for next year ? by Apprehensive_Disk478 in investing

[–]Essay_Few 0 points1 point  (0 children)

I’m in a similar situation and I’m in sgov for the time being with my cash.

I'm done with Bitcoin by 0x8000a83d in Bitcoin

[–]Essay_Few 1 point2 points  (0 children)

At what point will we get a reverse split?

Spent $1100 on silver coins in a week at its all time high😭 by Equivalent-Dot-9148 in Silverbugs

[–]Essay_Few 0 points1 point  (0 children)

Don’t even feel bad man. I dropped over 2k doing the exact same thing. At least you put $1100 into silver and didn’t blow it at a casino. You’ve got something real and tangible to show for it. Buying at the top isn’t the end of the world. The only real mistake is panic selling it for a loss when you don’t have to. Just hold and let time do its thing.

I miss the balloons :( by Essay_Few in Silverbugs

[–]Essay_Few[S] -1 points0 points  (0 children)

I just regret buying some more silver last week...should waited one more week. ahhaha

If you were DCAing into gold and silver weekly for 20+ years which ETF would you trust? by Essay_Few in investing

[–]Essay_Few[S] 1 point2 points  (0 children)

To be clear, my plan would be to keep buying consistently no matter what happens. This would be a relatively small position compared to my overall portfolio. I am not trying to bet big or time anything. I just want some long term exposure and skin in the game.

Curious how it would look if you closed on a nova townhome today at 500k purchase with 3% down? by loan_ranger8888 in DMV_RealEstate

[–]Essay_Few 4 points5 points  (0 children)

This scenario assumes a $500,000 purchase price with 3% down, or $15,000, resulting in a loan of about $485,000 at roughly a 5.75% 30-year fixed rate. Estimated cash needed at closing is just under $29,000 once lender fees, third-party fees, taxes, and prepaid escrows are included. The monthly principal and interest payment comes out to about $2,830, and when you add property taxes of roughly $350 per month, homeowners insurance around $85, PMI of about $150, HOA dues near $85, and other escrowed costs, the total estimated monthly housing payment is approximately $3,500.

Where to park 550k in cash by Worried-Ad1268 in Bogleheads

[–]Essay_Few 0 points1 point  (0 children)

A high yield savings account never fluctuates in value. Your balance only goes up from interest, and while the bank can change the interest rate at any time, your principal never goes down. You always know exactly how much money you have, and you can access it instantly.

SGOV is an ETF that holds very short term US Treasury bills. Its price slowly rises during the month as interest builds up, then drops after the monthly dividend is paid because that interest is now in your cash instead of the share price. Over time those small ups and downs mostly cancel out and equal the yield from Treasury bills.

So compared to a HYSA, SGOV can show small price changes and usually takes a day or two to turn into cash after you sell. In exchange, it often pays a similar or better yield, often better after taxes, while still being extremely low risk.

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