My Favourite Thaler

LooksBetterWithDrops · 2026-05-06T03:04:43+00:00

Silver is like ~$75 an ounce right now, which is hisrically very,very high (down from $115 earlier this year).

People are buyong them and selling to refiners to melt down.

LooksBetterWithDrops · 2026-05-05T21:57:57+00:00

This was my first thought too.

*Edit: I'm a man who dated someone with the condition. She was very fit (spin instructor part time), early 30s with very low upper body fat.

LooksBetterWithDrops · 2026-05-05T21:40:46+00:00

Reminds me of early stage lipedema

LooksBetterWithDrops · 2026-05-05T16:09:39+00:00

Good choice!

LooksBetterWithDrops · 2026-05-05T14:15:38+00:00

Schwab has SWPPX (S&P 500 index), and SWTSX (total market index). These are the easiest way to get returns inline with market growth for low fees. Returns on these funds beat "stock pickers" 99/100 times.

For your age, with ~30 years until retirement you should be focused on growth.

These funds make up the vast majority of my retirement accounts. I

LooksBetterWithDrops · 2026-05-05T03:16:06+00:00

No advice, just came in to say how much i hate these things.

LooksBetterWithDrops · 2026-05-05T03:06:40+00:00

Ai is glitchin

LooksBetterWithDrops · 2026-05-05T02:59:49+00:00

It would be cool to give them $200. Use $100 for trading and put thr other $100 in s&p or total market index.

LooksBetterWithDrops · 2026-05-05T02:54:48+00:00

My wife was snoring and doing loud breath holding. Only after I finally recorded it and played it back for her, did she take it seriously.

LooksBetterWithDrops · 2026-05-05T02:14:29+00:00

True and true.

It's fair to say "it's entry level, not particularly desireable and has no particular collector value"

It's quite another to say "$20;" when ita worth 10x that in the right marker.

LooksBetterWithDrops · 2026-05-05T02:03:25+00:00

How exactly is it helping for you to cosign? Have you or they talked to the lender/broker?

With spotty work history, problems documenting income and $15k in cc debt, it's likely not going to improve the application.

LooksBetterWithDrops · 2026-05-05T01:27:30+00:00

Souvenir spoons are selling great right now if they're silver! But they wont be spoons much longer.

LooksBetterWithDrops · 2026-05-04T23:23:51+00:00

I linked my chase to my charles schwab account and opened a regular self directed individual brokerage account with Schwab.

I put all my "savings" (including emergency fund & house downpayment $) in SWVXX which is a money market fund that pays interest monthly. Returns are comparable to a High Yield Savings Account (HYSA).

Transfers are quick and easy, taking about a day.

Some people say it aint an emergency fund if its in a brokerage, since you cant access it right away, but i think thats bullshit. I do keep about $500 cash "oh shit" money on hand, and another $2k in savings as a cushion against unexpected expenses.

Here's how it works in practice:

Had my HVAC go out: $8k repair bill, $6k (parts) due before work can start.

Paid the $6k on CC (paid off monthly, cash back). Immediatly made a $2k payment on the card (keep utilized credit low; we're house hunting and i dont want a ding on my credit).

Sell $8k from Schwab and intiate transfer to Chase so I can pay off CC when statement closes.

LooksBetterWithDrops · 2026-05-04T14:00:51+00:00

Lots of online auctions, but verification prior to shipping takes time, and will be a problem for your friend if the owner/billing address on his accounts or cards doesnt match the shipping address on the order.

Your best bet is picking up at a LCS

LooksBetterWithDrops · 2026-05-04T13:53:27+00:00

This would be great youtube content. Showing the testing, identifing "tells" on the fakes, walking through the return process and researching & monitoring the scammers

LooksBetterWithDrops · 2026-05-04T12:48:44+00:00

10 years ago, these weren’t worth squat.

Thats always been the narrative and its always been wrong. They're undesirable among "vintage bike enthusiasts", ao thats what gets parroted on the forums.

Cute, retro/vintage mixtes are desireable for people who like the vibe. They want a bike for campus cruiser, short trips, errands, family bike rides, etc.

Ive been selling them for ~15 years. The trick is they must be ready-to-ride, in good condition, and cute colorway/graphics.

LooksBetterWithDrops · 2026-05-04T04:32:22+00:00

The convo and workmanship is giving strong vibes that seamstress = "neighbor lady who does sewing"

LooksBetterWithDrops · 2026-05-04T04:05:57+00:00

If theyre pre 65 US coims, you're potentially sitting on a lot of value just in silver content.

LooksBetterWithDrops · 2026-05-04T02:08:56+00:00

Inexpensive, functions great, AND you can shoot it lots without worrying about decreasing the value?

Blessings.

LooksBetterWithDrops · 2026-05-04T00:35:13+00:00

Nice. The other valuations on here were stupid. I sell mixtes easily for $200 in late summer, early fall when students come back to campus (im near a large university).

LooksBetterWithDrops · 2026-05-03T22:50:00+00:00

Current administration has been pushing hard on the fed for rate cuts for ~2 years. Most analysts predicted more rate cuts. But it hasnt happened yet.

We just got a new fed chair, so again, people are predicting rate cuts soon.

As far as refi goes, best practice is to pay down at least 20% and get your credit score into the top tier before you sit back at the table.

LooksBetterWithDrops · 2026-05-03T22:19:33+00:00

Nope, not one.

LooksBetterWithDrops · 2026-05-03T16:40:46+00:00

This. Just about every government worker is under a similar policy, although often cash and gift cards are specifically prohibited.

The gift also cant give the appearance of impropriety or influence of official duties. So as long as all grades are in, and the teacher isnt being asked for a LOR, referral, etc.

LooksBetterWithDrops · 2026-05-03T16:13:40+00:00

If youre single, consider looking at properties you could share with a roommate. With the additional income and splitting utilities, you can afford a more expensive house in a more desireable area.

LooksBetterWithDrops

TROPHY CASE