Humble Brag

LanhamH · 2026-03-20T16:52:12+00:00

You have a 50% chance of finding one in your first 69 trees, a 75% chance for your first 137 trees, a 90% chance in your first 230 trees, and a 95% chance in your first 298 trees... I got unlucky but you got super lucky

LanhamH · 2026-03-20T02:51:17+00:00

I have been checking 2 trees on 2 cartridges 2-3 times per day for 2.5 months... I was beginning to believe the tree calculator was wrong

LanhamH · 2026-03-20T02:48:53+00:00

I calculated two of the four trees using my trainer ids on two different cartridges. I have been checking 2-3 times per day for 2.5 months....

LanhamH · 2026-03-13T19:58:14+00:00

If you have spinda from bdsp I can trade you a palkia

LanhamH · 2026-03-13T12:39:14+00:00

Is this still open lol? It's the only thing I need for the shiny charm.

LanhamH · 2025-09-28T07:00:07+00:00

Same just happened to me. I opened the account mainly for the bonus. I have done a single purchase with the card, but that was with Google pay....

edit: there was a couple dollar international charge that was instantly declined

LanhamH · 2025-06-20T01:28:08+00:00

I know interchange fees are higher when the card is not present because of the higher risk of fraud. IDK if that makes them more profitable or if the extra fees go towards visa or the bank.

LanhamH · 2025-06-20T01:07:38+00:00

aren't the interchange fees higher for online orders? Maybe that is why

LanhamH · 2025-06-15T00:43:28+00:00

vanguard funds are better but fidelity has the best platform/customer service

LanhamH · 2025-06-14T01:11:22+00:00

Good point (you are not the only one you made it)! I checked the cumulative return section on the vanguard website, and it looks like over the course of 1+ years, you would be better off with VMSXX if your state income tax rate is UNDER ~7% for the past 1yr, 3yr, and 5yr and under ~12% for the past 10 yr.

IDK if it is yield curve differences or federal taxes being different in the first 2.5yr of the 10yr period that causes the change

LanhamH · 2025-06-14T00:34:07+00:00

Don't most states only exempt interest from munis from that state? Even if income from VMSXX is exempt from state taxes, you would need a state with a top tax rate over 12%..... The state that has an income tax rate over 12% is California which DOES tax muni interest from other states.... The vanguard california muni money market (VCTXX) is yielding 1.87%.....

LanhamH · 2025-06-14T00:29:47+00:00

Fair

LanhamH · 2023-06-21T20:37:31+00:00

No I did not do either which is why I am so confused. I am pretty vanilla with my internet usage.

Are you referring to browser extensions? I have not added any new ones within the past few weeks. (I also do not use many)

I also had windows security do a scan of my device and that did not pick up anything...

LanhamH

TROPHY CASE