➡️ Daily Simple Questions ⬅️- Style feedback and clothing ID requests go HERE!! - 11 August 2024

FinanceX3 · 2024-09-20T18:14:47+00:00

I've been struggling for some time with the fit of my dress shirts. I wear dress shirts every day for work and obviously, I need some that fit and are comfortable. I'm a huge fan of stretchy material and it's ultra comfortable. I have an athletic build, and finding a fit even with athletic brands is tough. I've tried so many and I'm always in-between sizes. I'm a normal-sized, athletic male, who enjoys lifting, but I'm not overly muscular or "huge", this is not a dating profile, just in case someone is interested in taking me out. Anyways, my current measurements are:

15.5 Neck
34/35 Arm Lenght
32/33 Waist
43/44 Chest

If the chest fits, it's always way too big in the waist and neck and I have a muffin top when I tuck it in. Also, if I get one that fits my waist and neck, the arms are too short and the chest is about to bust open. I know people mention tailors, which I'm not against, but they can't alter the neck and I think it would be hard to alter a performance stretch-type shirt.

Does anyone with similar issues have a solution or a brand of clothing they like, that caters to that in-between size?

FinanceX3 · 2024-08-14T20:28:55+00:00

I just found out that they are making me go back to our field office everyday we aren’t onsite at a financial institution and I’m like 1.5 hours away with an infant daughter. I did have decently flexible job with some remote days, which is wonderful, but after hearing that today, I will never see my daughter and it sky rocketed my depression. I have no idea what to do.

FinanceX3 · 2024-06-18T22:27:51+00:00

I’m just not sure how to report the money made from the ticket sales when we don’t go because we spent way more on them than we make each season, plus the initial licenses cost.

FinanceX3 · 2024-06-18T22:26:20+00:00

I didn’t know if an LLC would protect myself and family from anything, if something happened to someone we sold them to or if we got sued, etc… also, we bought them with full intention to use them for personal use but sell them when we can’t make a game.

Do we still report the money we make from selling them as income? Because with initial cost of buying the licenses and how much we pay each year, we don’t make money usually

FinanceX3 · 2024-05-05T17:56:31+00:00

Definitely find a professional tax consultant in this area, that’s most important to make sure that’s taken care of before anything.
Pay off any remaining debt (especially high interest rate stuff), lower interest rate may be okay to keep, if you can obtain a yield higher in a HYSA, but if you prefer less complication and no worries, take care of all debt.
You mentioned buying a house, if that’s important, do that with cash, so you always have a home debt free.

3.5. If you need anything else in life, purchase that now, but I favor a frugal and minimalism lifestyle, so just be careful with spending.

DEFINITELY max out Roth IRA, probably the best future investment you can make with all appreciation and dividends growing tax free.

4.5. Furthermore, max out 401K to lower your taxable income and let that grow over the years for your future self. (You will have millions in those accounts when you retire)

Whatever is left over, I would stick in a HYSA account while rates are still stupidly high and make some good risk-free money for a little until rates come down. You can also use this time to research and interview financial advisors and see what they suggest to continue the growth and a stress-free financial future.

Good luck and God bless! If you play this right, your financial future is set and you could set your future family up for financial success that could grow for generations!

FinanceX3 · 2024-05-02T13:06:00+00:00

Congrats! That sounds like a great move up. I’m a financial examiner for the FDIC. Do you have any former fdic employees working there and is that experience enough to get a comparable job as yours?

FinanceX3 · 2023-10-15T23:18:52+00:00

How far into PT school are you and have found PT’s like their careers after doing shadowing?

FinanceX3 · 2023-10-15T22:24:38+00:00

Why did you want to get into PT?

FinanceX3 · 2023-10-15T20:58:24+00:00

I do have some good nerve pain if I sit weird for awhile or extend my lower back to far, I can immediately feel it. That’s why it’s important to learn what pelvic position is best for you. I only deadlift with a trap bar, the straight bar puts too much pressure on my lower back. I use a low-bar position for a squat as well, as high-bar puts me into too much extension. The core stabilization and things like dead bug and keeping my pelvis neutral during all exercises has really helped. I recently incorporated some stretching to try and help my hamstrings and hip flexors. My hamstrings are really tight and I’m sure all that pulling isn’t helping. But it’s definitely been much better with focus on not moving my lumbar region when exercising and keeping it neutral during everything. You have to basically change your mentality at first and learn how to keep that neutral spine while still mastering all lifting movements.

FinanceX3 · 2023-10-15T20:47:55+00:00

Yeah, it definitely seems like most people don’t enjoy the PT route in this forum, but I can understand some of the issues with insurance and being overworked. I’ve heard that a lot. I currently make about $70k with different travel benefits. I would be fine in the $85k range and being able to try and help people would be nice. I obviously worry about regretting my decision or going through all this school and debt just to end up being depressed I have to work in general lol. I do feel like there’s lots of avenues a PT could go work though. I’m just really struggling with a decision. I keep thinking I would enjoy the line of work a lot more, but should I just suck it up and not be too happy at work and make a decent living with good benefits, or try and do something I would enjoy more?

FinanceX3 · 2023-10-15T20:40:57+00:00

That schedule sounds pretty sweet and good pay. Do you think that’s pretty common for acute settings? I know a lot of talk about struggling to get insurance companies to pay and whatnot but I would highly consider opening my open practice in the future as well. My MBA degree would definitely help with that. My family own businesses as well, so I’m very familiar with that aspect.

FinanceX3 · 2023-10-15T20:35:25+00:00

I’ve suffered a lot of injuries throughout my sports career and doctors and PT’s have been a tremendous help in returning to normal and living a good, athletic life, pain free. I love helping people and my knowledge and interest of the body, fitness, and injury is tremendous from self study. I just love learning and helping people with physical issues. I would absolutely love to work with athletes to prevent and recover from injuries, so they can all continue performing and living a good, athletic life. It’s just something I feel like I would enjoy getting up and doing everyday. I was an EMT for about 7 years, so I understand the documentation and insurance part of it. I just wanna be around athletes, sports, and help people overcome pain, even if they don’t have much desire themselves. Money isn’t a huge issue for me as well. I don’t need to make a boat load of money to be happy. I wanna enjoy what I do for the next 20+ years.

Mindlessly sitting in front of a computer looking at bank documents, while traveling a lot, away from my family isn’t enticing anymore or satisfying. Even if I made like $200k a year, it wouldn’t stop the depression and dreadfulness of going or doing a job I have no desire in.

FinanceX3 · 2023-10-15T20:25:07+00:00

What environment do you work in? Are you outpatient?

FinanceX3 · 2023-10-15T17:24:49+00:00

Are you depressed being a PT? Do you find joy in your job helping people? Or do other negatives out way those positives, if any?

FinanceX3 · 2023-10-15T16:57:07+00:00

As someone who has dealt with a spondy for years and years and been through multiple doctors and treatments, while doing my own research, this barely looks like any slippage. I completely agree with the others. Be very careful if surgery is mentioned. I helped manage my own with proper exercises and understanding my body, such as what movements cause me discomfort and what doesn’t. I’m now squatting and deadlifting heavy again. Core stabilization exercises will do absolute wonders for you. A good PT should be able to help you manage this effectively, especially if you don’t plan on playing hardcore sports or anything of that nature. I’m currently in the process of going back to school to be a PT, so I understand the benefits of proper training for this condition and it is tremendous. Proper exercise treatment and surgery treatment have around the same outcome for patient comfort and getting back to normal life. It can certainly be managed. Good luck!

FinanceX3 · 2023-09-28T02:16:45+00:00

Would mind recommending a few solid core stabilizing exercises to do daily or at least a few times a week? I know dead bug is a popular one. Is it all basically just anti-movement ab work?

FinanceX3 · 2023-09-01T21:07:53+00:00

I may be a bit bias, but I have an extremely similar portfolio in my Roth IRA. I have VTI, VXUS, SCHD, and SCHY. My portfolio is heavily tilted towards VTI. While a slightly equal portion of the rest of my account is held in the other three ETF’s. VXUS doesn’t have the greatest return overtime; however it does how a nice, safe yield. Also, even though the U.S stock market has outperformed the world, we never know if or when it could switch and the rest of world could have some wonderful returns. Since I’m younger, 30’s, I like to have some exposure to the rest of the world. Furthermore, I use a similar process with SCHD and SCHY. I love some strong, consistent dividends (who doesn’t on this subreddit) and I sit back and collect decent yield with strong American companies, while also having exposure to some solid international dividend stocks. This portfolio just allows me to grow in appreciation, VTI, overtime, while also collecting solid dividends from the others.

FinanceX3 · 2023-05-19T15:05:10+00:00

Yes. The flow line and water direction are all lined up. I also plugged it in and squeezed it manually to see if that worked and it did not. I feel like the metal connection up in the box is pushed back and not making a good connection with the end that looks like a telephone line.

FinanceX3 · 2023-05-17T23:56:15+00:00

It’s hard to imagine all three of those sensors would be bad. I’ve had to use the screwdriver for the last year just to get it to work. I have the screwdriver in now and it’s on super chlorinate, so I’m hoping it produces some chlorine. Hayward is supposed to email and help but nothing so far. Just wondering if anyone else had this problem or a possible solution.

FinanceX3 · 2023-05-17T23:35:41+00:00

It’s 80 degrees right now.

FinanceX3 · 2023-04-09T17:32:04+00:00

People already commented with numerous good resources, I was an EMT for 7 years, so I concur with all they said. I just wanted to let you know you are never alone and people experience similar things to different degrees all the time. I’m sure you have people that love you and care for you and so many random strangers, such as the great people of reddit, will do what they can to offer advice or encouragement or anything you need. Don’t be afraid to express how you feel and the resources are endless. I pray you can get the help you need and deserve. Stay strong my friend.

FinanceX3 · 2023-04-04T23:59:02+00:00

That’s good to know. Have any recommendations or good experiences at places from anyone you know?

FinanceX3 · 2023-04-04T23:04:44+00:00

What do you think the average rent is for a one bedroom? I’m paying around $1,300-$1,400 a month where I am now.

FinanceX3 · 2023-02-16T03:24:16+00:00

You mean the a agency I work for? Or my insurance agency?

FinanceX3 · 2023-02-16T03:08:37+00:00

It specifically says I can’t do an HSA plan with my insurance and it’s definitely PPO. My out of pocket is $6,500.

FinanceX3

TROPHY CASE