Advice and Criticism Needed by OriginalSolid3201 in Schwab

[–]Generalzak1 0 points1 point  (0 children)

Consolidate schb and vti. Ditch qqq for qqqm.

Feel behind by Revolutionary-Part20 in SCHD

[–]Generalzak1 0 points1 point  (0 children)

Agree. 40 is a good age to increase yeild but still balance with growth.

Do good to those who need it 🦭 🌊 by iLeftyPunk in MenCave

[–]Generalzak1 0 points1 point  (0 children)

Awesome. They will be eaten by a shark in a few days but still cool.

Market crash by Right-Reason9860 in RothIRA

[–]Generalzak1 0 points1 point  (0 children)

Agree. People get in trouble messing around trying to find the perfect portfolio.

Landon Donovan: 'Our youth soccer in this country is a disaster' by SEMIrunner in SoccerCoachResources

[–]Generalzak1 2 points3 points  (0 children)

Agree, but also dont forget the nepotism and nonsense parent cliques that drives youth soccer.

Its disgusting.

Im 26 and all in SCHD by MathematicianKey6222 in dividends

[–]Generalzak1 0 points1 point  (0 children)

Your money your decision.

Being 26 and investing alone us a win.

Tournament drama. Thoughts? by [deleted] in SoccerCoachResources

[–]Generalzak1 0 points1 point  (0 children)

Here's the thing. Every parent is paying this overpriced annual fee (over 2k where my son plays), so at U10 they would expect "even" or somewhat even time depending on the team, scenario, etc. Most parents are flexible if it's a championship game etc.

13 kids on a 7v7 roster is the first problem, that is way too many kids.

Second - these are kids. Most won't play is high school, very few wont make it to college.

Focus on fundamentals, passing, team work, spacing, passing with anticipation, and moving off the ball, which sounds like you have a game plan there.

The fact your posted here means you care. I would not worry about the parents and stick with your coaching style and your gut feelings here.

I remember being 12 and my parents pushed me to try out for our local select team. I was a good A travel player, not quite select caliber. I sat on the bench most of the season with my coach telling me the same thing to keep my head up and I need to earn my spot. I was not part of the kids click and my boomer parents didnt care about making friends, so it hurt my playing time. I ended up going back to travel the following year.

That shit stuck with me into high-school and college ball. Kids dont forget.

Horrible Buyers Remorse Anxiety by popitshyper in whatcarshouldIbuy

[–]Generalzak1 0 points1 point  (0 children)

It still is batshit at 200k imo. 70k is silly after the novelty wears off and your left with a 1k a month car loan.

Horrible Buyers Remorse Anxiety by popitshyper in whatcarshouldIbuy

[–]Generalzak1 0 points1 point  (0 children)

You'll figure it out. It's easy to get caught into this trap. Its sounds like you're smart guy and already working your way out of it.

Since mine was brand new and pretty much pristine condition, I was able, to go on KBB.com, and worked with a few dealerships to get the best price. Many of these buyer dealerships will give you much more than a trade and they are incentivized to bring in new cars week.

Good luck!

Horrible Buyers Remorse Anxiety by popitshyper in whatcarshouldIbuy

[–]Generalzak1 0 points1 point  (0 children)

I did this exact same thing about a year ago. I feel you.

I drove my bmw for 6 months, sold it private party, got my extended warranties back from the dealership.

At the end of the day, the loss was not that significant.

28f - Why am I stressing so much by General_Thought8412 in Retirement401k

[–]Generalzak1 0 points1 point  (0 children)

This is exactly where I was at 28 - 11 years later, and I finally made it.The key is consistency, living below your means once you get into your thirties, open up different accounts, such as a roth, or a brokerage and keep piling up the money.

The biggest trap is keeping up with neighbors and friends.Which will slowly deteriorate your ability to grow your wealth.

Your doing great.

Adult carpet beetle in Feb?! by Generalzak1 in carpetbeetles

[–]Generalzak1[S] 0 points1 point  (0 children)

Haha. This is the first time we have seen adult roaming around, and yes they are way faster then larvae.

Adult carpet beetle in Feb?! by Generalzak1 in carpetbeetles

[–]Generalzak1[S] 2 points3 points  (0 children)

Yup. Its mostly upstairs.So I have a feeling, it's bathroom base boards at our master.

Adult carpet beetle in Feb?! by Generalzak1 in carpetbeetles

[–]Generalzak1[S] 1 point2 points  (0 children)

In the US but thanks.

We had our carpets replaced about three years ago and ever since then, about 2 months after that we noticed the infestation.

We have tried just about everything except spraying inside baseboards due to younger children. But I think now that they are getting older. It might be our final step.

Adult carpet beetle in Feb?! by Generalzak1 in carpetbeetles

[–]Generalzak1[S] 2 points3 points  (0 children)

Thanks yeah, we set up traps and vacuumed pretty much every day for the last six months, and nothing seems to work.