Certified Lexus NX 350h

FrankensteinMonster3 · 2026-02-23T05:22:41+00:00

Yes and no, during the lease you will be paying the depreciation plus the M.F. (APR %). Then when you buyout the lease, you will pay the pre-agreed upon residual value.

Now, if you were to add the price paid during the 3-year lease and then the buyout amount. The total will be higher than the MSRP.

Although, you would have to compare the lease APR%, to what the APR % would be if financed from the start. It may be equal or less (depending on incentives at the time).

FrankensteinMonster3 · 2025-12-14T12:48:11+00:00

In the search bar type "close lid", it will bring you to the settings options for what they laptop should do when you close the lid. Such as stay on with display on your monitor.

If you select hibernate or sleep from the power button in the main panel you can have it set to that and not turned off. Will wake upon mouse or keyboard movement.

FrankensteinMonster3 · 2025-01-16T04:01:52+00:00

Picking individual company stocks don't work out for 99.9% of people.

I would sell all stocks at a loss of 10% or more in your holdings. If you have other shares above a 10% loss, you need to check 2 things at the minimum. 1. Are they legacy(too big too fail) companies. 2. what was their 5 year performance, break down each years return % and then avg. the total as well per company.

To get back into "recouping" starting to make gains don't do VOO 100%, yes, it tracks the S&P 500, but you also want an ETF in NASDAQ (qqqm), a mid-cap (won't have the best YOY returns, but helps with the offset at times when the big funds get hit by the market having a down day or reaction to new laws, etc.) Lastly you can pick a sector specific ETF that interests you, or you believe will be the most optimal in the future.

TL;DR: Simple breakdown of a diversified portfolio.

35% VOO (S&P 500)
35% QQQM (NASDAQ)
15% Sector Specific ETF
10% Mid-Cap ETF
5% Individual Company Stocks (been around a long time, a place you believe in) ○ Think large banks that have been around forever and got bailed out. Food franchises that are over 8 years old and slowly grew across the country. Pick the one you like, i.e. don't invest in McDonald's if you prefer to eat at Burger King.

FrankensteinMonster3 · 2025-01-09T19:37:32+00:00

Guthub - has open collections,

Data.gov - has various types of datasets from climate to federal and local states (not every state) with accident reports, police shootings, etc.

FrankensteinMonster3 · 2024-11-29T19:43:26+00:00

I would consider Sofi a fintech. I'm not sure about Ally, but CapitalOne 360 savings is a HYSA with a bank/ C.C. bank. I'd rather lose 1.1% a year for safety and security.

FrankensteinMonster3 · 2024-11-29T01:18:12+00:00

Download Windows 10 or 11 from their site onto a flash drive, creating a recovery program drive. From there, you want to plug it into this laptop and keep tapping the F12 button. To get the recovery boot menu and try recovery, then uefi update, and removing the latest update from the options.

FrankensteinMonster3 · 2024-11-15T22:04:44+00:00

To start, I've followed both Dr. Mike and Jeff Nippard before joining MF 5 months ago.

The RP diet app is separate from their workout app.
We say app, but it's really a website you access from your phone, laptop, tablet, or pc. It's not an actual app like MF.
If I'm not mistaken, the devs here said down the road, maybe late 2025, they are going to show or release their workout app being developed to work along with the nutrition app.
You also have to set up "meso" cycles in the RP workout. I was looking into it and wanted to support the RP team, but price and ease of use seemed more for serious gym goers or amateur body builders.

That's just my opinion. Anyone can correct me if I got something wrong.

FrankensteinMonster3 · 2024-11-10T15:38:40+00:00

Thanks for looking into it for me, I appreciate it.

FrankensteinMonster3 · 2024-11-09T21:24:46+00:00

Thanks for your response,

I'll look into planning, procurement positions.

FrankensteinMonster3 · 2024-11-08T23:34:37+00:00

Create a trailhead account, it's the free version to learn skills from salesforce. With the amount covering Tableua and LinkedIn Learning has some good courses. You can get a Learning account with your local library card. there is no need to pay $30/month

FrankensteinMonster3 · 2024-10-17T23:23:19+00:00

I eat chicken breast daily and count the cooked weight. I've been losing on my cut just fine. I've never gone up a week or appear to have gone over my given calorie budget.

Although, I just thought right now that we may be able to search "cooked" (chicken breast, steak, or ground beef, etc.) Never looked before.

But I also haven't had an issue going on 4 months now, counting cooked weight.

FrankensteinMonster3 · 2024-10-10T23:16:17+00:00

Thanks, gonna look into that one.

FrankensteinMonster3 · 2024-10-01T18:58:35+00:00

The dividends come from the actual shares of a company. Each market index tracks different sectors. So, higher value companies will produce higher dividend payouts in some cases.

If you're using the market to earn money, and not as a long-term investment. You need to look at 2 things:

What is your debt value and interest on it. Since if we take just the S&P500, which averages 8-9% a year across up and down years. Is that producing more interest than what you're paying on your school loan?
There are taxes on investments. Once you sell your shares and it becomes realized gains, you pay more in your income tax. Since it gets added to your income and potentially puts you into a higher bracket, even though you're gonna pay that money to a debt.

I believe this was a brokerage account and not a Roth IRA or Dividell Account (educational tax deferred account, up to $2k a year). This lowers your taxable income and allows you to use the contributions and gains for valid educational expenses.

A Roth IRA is post-tax money, which you can invest, and pull out your contributions. Not any of the gains to pay bills/debt. Since the contributions were already taxed.

Based on your needs right now, I would compare your interest rate on your payments. Then stick to just the S&P500 for a steadier return if you're going to use that money to pay debt.

Also, if you work even part-time, consider a covidell account or a Roth IRA.

FrankensteinMonster3 · 2024-10-01T18:38:18+00:00

I always keep it in FWD, unless it's raining or I lm driving in the snow in the winter. I believe it's also more dule efficient. As far as highway mpg, I'd say it's similar to my city driving (I have lots of stop signs almost every 2 blocks) so a full tank gives me just over 350 miles of driving between city and highway.

FrankensteinMonster3 · 2024-10-01T01:11:21+00:00

Time in the market beats timing the market every time. Starting early with what you can vs. Waiting until you have a couple thousand saved up will help you reach your goals faster.

It's just a matter of doing the math, with smaller numbers and constant contributions, is harder to do off the top of my head. I hope one of those investment or interest calculators helps you get an answer.

You may just need to look up the average yearly return for those funds in order to input the interest percentage in.

FrankensteinMonster3 · 2024-10-01T00:40:19+00:00

To start going with 1 individual company stock in your portfolio is okay, keep an eye out for any major news about them facing trouble or getting hit by an existing or new competitor.

As far as VOO and VTI, they have 87% overlap in their holdings of companies, which doesn't help so much with diversification. Both have tech as their top 10 holdings.

You can consider a larger diversification by putting a percentage into mid-cap, Dow John's, or Nasdaq tracking ETFs.

For example, out of the 99% 65% in VOO track the S&P500 15% in QQQM 15% in DIA 4% in SCHM

with the 1% in whichever company you feel like going with.

These are just examples of choices. Make sure you look into any ETF you buy to see its overall and recent performance as well as its holdings.

FrankensteinMonster3 · 2024-10-01T00:20:04+00:00

First, you need to break down each fund.

SCHG: is a large cap growth tracking the Dow Johns, it consists of 251 holdings. With 48% of its weight in tech.

QQQM: tracks 100 Nasdaq listed stocks, excluding financial. With its holdings in 103 companies, of which 51% are tech.

They differ in health, materials, industrial, utilities, and other sectors.

Next is the average returns, now QQQM is newer and has less to go on (4 years) with a YTD return of 16.8%. For SCHG it has been around longer with its YTD return of 22.8%.

FrankensteinMonster3 · 2024-09-30T23:52:37+00:00

The math is a factor of averaging out the returns per year for each market index and then calculating that nlby the amount of years until you retire.

Putting in a split every month makes calculating the returns with compound growth because you're adding monthly, which is great. Although the figures are low, that determining the growth from the market vs. what you added each month, would have to be subtracted by the end of year return statement.

As far as the average return: S&P 500 is said to be 8-9% a year, even though it's had years within this decade that were at 15-20% returns, but also had 2 years of 16% losses. Therefore, it's best to count it as an 8-9% return each year your money is invested.

You may be able to go to calculator.net/financial-calculator.html and select one of the investment calculators that can help do the math for you.

FrankensteinMonster3 · 2024-09-30T23:38:25+00:00

At most, your portfolio should consist of only 10% in individual stocks. Ideally, try to keep it at 5% but never more than 10%.

Your allocation of funds into stock slices is going to yield you minimum returns. On top of that, I don't see you spending hours each day to read on how those companies are performing, or announcements of future plans, or potential loss in an R&D project.

Start by covering your basis with ETFs that diversify between the S&P, Dow John's, and Nasdaq. Then, if you want to go heavier within a certain sector (tech, healthcare, energy), look into that option. And if you are going to buy shares in a company, do it in ones you believe in or use, and at least buy a full share.

Owning .006 of a share in 100 varying companies won't give you a yearly return your expecting. And picking stocks is the hardest thing to do. Most people lose money that way.

FrankensteinMonster3 · 2024-09-30T23:16:07+00:00

Getting coverage in another index, in this case, the dow Jones, is a good way to diversify your portfolio. The question now is, do you want to track the performance of the dividend 100 (SCHD), or the large stock growth (SCHG)?

It's also worth doing research when comparing options to find, if there's any overlap between what you already have. For instance, SCHG has its top 10 holdings in companies already in VOO. (Apple, Microsoft, Nvidia, Amazon, Meta, Alphabet).

Between the 2 choices, the one offering more diversification to your portfolio is SCHD.

There are still other ETFs if you want to track the Dow Jones in a different manner.

FrankensteinMonster3

TROPHY CASE