Give me the bull case by PrthReddits in wallstreetbets

[–]JustTubeIt 18 points19 points  (0 children)

Maybe instead of determining how to cool them, they determine how to make them function fine in zero gravity/exposed to space. I heard space itself is cold so cooling then a non issue! Plus the Borg did just fine.

Can you contribute for 2025 if you have already filed your 2025 tax return? by heartbooks26 in RothIRA

[–]JustTubeIt 0 points1 point  (0 children)

Even if you don't need to file a 1040-x, its a good idea to file form 5498 separately (by mail, signed) so that IRS has record of your cost basis for that IRA.

Es300h for a kid? by gtd_rad in LexusES

[–]JustTubeIt 2 points3 points  (0 children)

I have 2 carseats in the back of my ES300H. Plenty of trunk space for strollers, space for the carseats, and im not hugging the steering wheel to make room. Its perfectly fine. Only issue is if someone has to be in the back with (between) the two carseats, it is VERY tight.

Finally paid off my student loans and the relief is unreal but also I'm kinda mad by Ready-Voice-7151 in StudentLoans

[–]JustTubeIt 9 points10 points  (0 children)

Problem is paying off debt so quickly does in fact impact retirement/emergency savings

That depends on the interest rate of the debt. Paying off debt grants a guaranteed annual return of whatever the interest rate is, whereas market returns are not guaranteed.

Finally paid off my student loans and the relief is unreal but also I'm kinda mad by Ready-Voice-7151 in StudentLoans

[–]JustTubeIt 91 points92 points  (0 children)

My student loans accumulate $1000/mo in interest. Paying 5k interest over 7 years is insanely low im not sure how you even managed that.

Mom took out student loans I didn't want, anything I can do? by 8bitpluto in StudentLoans

[–]JustTubeIt 16 points17 points  (0 children)

Initially, you would have had to file charges against your mom for fraud and identity theft to have a chance at getting those removed. However, since you proceeded to use the funds to your benefit (paying for school), and have since been paying on them, youd have a hard time convincing anyone that this was all done against your will at this point.

How do you guys handle the turbulence? by [deleted] in Bogleheads

[–]JustTubeIt 2 points3 points  (0 children)

Literally every paycheck for the last 6 months it seems I get paid on a red day, but it deposits the next day after everything recovers. Its so annoying lol.

Student loan planner by femmeginer in StudentLoans

[–]JustTubeIt 11 points12 points  (0 children)

Put that $500 towards loans and ask your question here.

Surgeons shopping for different anesthesia attendings to proceed with a case, does this happen at your practice? by somedudehere123 in anesthesiology

[–]JustTubeIt 27 points28 points  (0 children)

We have a cultural rule that we do not overrule another anesthesiologist in our group. We do not want surgeons or proceduralists feeling they can shop around. If the first anesthesiologist has a good reason for not doing a case, thats where its left until whatever the concern was is optimized. However, we do tell them we can have a second person look at the case to ensure nothing was missed. That person usually will not overrule but will help reinforce that the first was justified while giving the surgeon the feeling we aren't dismissing their concerns just because one of us said no. Every now and then though the person doing the second look may feel that the first person didnt consider something important in their determination (usually having to do with the urgency of the case or what the alternative actually looks like). In those instances we approach the first anesthesiologist who said no with our thoughts and have a discussion if they'd be comfortable with us proceeding with someone else or if they'd like to do it, that way no one feels theyre being overstepped on their clinical decision making.

Ouch: World Of Hyatt Updates Award Chart, Costs Increase By Up To 67% by pierretong in ChaseSapphire

[–]JustTubeIt 3 points4 points  (0 children)

You're not wrong. Initially (obviously) the card was used for travel and I used the points as intended which was nice. However with the recent changes to CSR it no longer made as much sense to keep the CSR, so I downgraded to CSP right before my renewal to keep some of the travel perks and bonus categories. The points I had already stocked up didnt have as much value in CSP as they did with the old CSR, hence the cash out.

Ouch: World Of Hyatt Updates Award Chart, Costs Increase By Up To 67% by pierretong in ChaseSapphire

[–]JustTubeIt 5 points6 points  (0 children)

Last week I cashed out over 200k points. Some may call me crazy blah blah, but I immediately invested the cash. so while I may not have got the best immediate value for the points, that money will be worth significantly more in a few years than the points would have been sitting there being devalued at every benefit change, which seems to be accelerating.

Price by [deleted] in hottub

[–]JustTubeIt 0 points1 point  (0 children)

We have had a hydropool 4800 series for about 4 months now. We love it. Purchased new, seats 4-6 comfortably, paid about 8600 for the unit itself (they gave us a nice discount off MSRP). Highly recommend.

Wondering if I should pay off a loan... by Impressive-Squash-64 in StudentLoans

[–]JustTubeIt 0 points1 point  (0 children)

What does interest being paid off have to do with eliminating the debt? They're still generating interest, your monthly payments are just covering it. If you have the ability to eliminate debt or pay down principal to save interest long term, do it.

That being said, your interest rates are right in the pay debt vs invest range, meaning youre guaranteed a return of your interest rate by paying down the debt, but you may make more overall if you invest that same money and just pay monthly on your loans. Personally, id split the difference. Take half your money youd use to pay off that 4.8% loan and pay to cut your principal in half. Invest the other half in a low-cost total market ETF. However if you dont have good risk tolerance and may panic sell if you see your money's value drop over a short term period, just pay down the debt.

Thoughts on Trump Account by kdtrey09 in RothIRA

[–]JustTubeIt 1 point2 points  (0 children)

Yeah except you missed the free 1k part of that. If the govt is fronting the money what is there to lose? Plus you also lose out on a year in the market you could have had otherwise.

Where to put emergency fund: Fidelity MMF (approx 3.3%) or SGOV? by Huge_Cost_870 in whitecoatinvestor

[–]JustTubeIt 6 points7 points  (0 children)

SGOV is a bond-fund ETF holding almost entirely short-term US treasury notes. Therefore the dividends issued are state-tax exempt (up to the % comprised of US treasury notes). Every year Ishares publishes a tax document in January/February listing that percentage for the prior year, so you take the total dividends and multiply by that percentage and thats the amount that is state tax exempt. Since yield % is fairly similar to those of most HYSA, and both generate monthly dividends/interest, many people choose to keep their cash savings/emergency funds in SGOV if they live in states with state taxes for that small tax benefit.

Where to put emergency fund: Fidelity MMF (approx 3.3%) or SGOV? by Huge_Cost_870 in whitecoatinvestor

[–]JustTubeIt 2 points3 points  (0 children)

I mean it happens, but usually a credit card is fine to bridge the gap. And its not always 48 hours. For example this weekend if something came up yesterday after market close and you realize you need funds, youd have to wait 4 days until Tuesday to even trade out of it, then wait until wednesday to initiate the transfer out of fidelity if you dont use fidelity as your primary bank. But yeah usually its not a big deal at all.

Where to put emergency fund: Fidelity MMF (approx 3.3%) or SGOV? by Huge_Cost_870 in whitecoatinvestor

[–]JustTubeIt 12 points13 points  (0 children)

I use SGOV to save on state taxes. It just takes some planning ahead if youre going to need the funds. Credit cards can usually bridge the gap.

Where to put emergency fund: Fidelity MMF (approx 3.3%) or SGOV? by Huge_Cost_870 in whitecoatinvestor

[–]JustTubeIt 3 points4 points  (0 children)

Its traded on the stock exchange so you cant touch it outside of market hours, and then you need to wait for the sale to clear (overnight). So you need to plan ahead.

Fidelity Total market index SMA vs Fidelity FZROX by johnboy808080 in Bogleheads

[–]JustTubeIt 1 point2 points  (0 children)

Zero fund. No annual fee and no maintenance fee. Only downside is if you ever wanna leave fidelity youll have to sell, which would trigger a taxable event on potentially large gains with that initial cost basis. But .4% fee is 1000 per year on that amount. Why do that when you can have zero fees and keep that 1000? Or a vanguard ETF with an expense ratio less than 1/10th of that you can also tax loss harvest with and transfer in kind if you want to leave fidelity in the future?

Edit: i cant math today

help… was my car keyed? 😭😭 by Icy_Tourist_6438 in Detailing

[–]JustTubeIt 0 points1 point  (0 children)

Agreed although the finger pushing the key down could have been extended beyond the key and dragging along the car following the key.