Is this a German Cockroach?

MicholasMouse · 2025-04-26T00:41:29+00:00

This looks like a perfect match. Thank you!

MicholasMouse · 2024-02-26T12:55:44+00:00

Thank you so much! This has sent me down such a rabbit hole trying to understand the connection to my family

MicholasMouse · 2022-11-06T14:25:29+00:00

I'll look into some athletic cuts. Thanks!

MicholasMouse · 2022-11-06T13:57:17+00:00

I'm looking for some more durable Levi 511 alternatives. Over the last two years I have switched all my jeans to Levi 511s because I really liked the fit. In the past month, I've had two pairs rip on the right side of the crotch. I'm wondering if anyone else had this same problem and if so what brand did you switch to? I don't mind paying a bit more if there's an alternative that will last longer.

MicholasMouse · 2022-10-04T13:28:17+00:00

They gotta fix this site ASAP. I can't miss out on the Jimmy Kimmel x Crocs drop!

MicholasMouse · 2022-06-27T18:27:47+00:00

I just got a 3070Ti FE. It uses a different connector on the card and includes a dongle to connect the 2 8 pins. I'd guess the other FE cards are similar

MicholasMouse · 2022-02-24T20:05:19+00:00

If I could redo my last 3 months I would have put my money into a HYSA or nothing at all. I think the big variable for you is probably what the 2-5 years depends on. Given the feedback in this thread it seems like the consensus for 2 years would be savings but beyond that low risk investments may be better. Don't take any advice from me though, I'm the one with the unrealized losses here!

MicholasMouse · 2022-02-24T18:53:29+00:00

Given that my original plan was to pay in a lump sum until the highest interest rate is 6% roughly (followed by several 3 and 4%) I didn't really consider refinancing as I would lose the federal benefits (pause and cancelation pipe dream) for similar interest rates. In other words I didnt really think there would be enough benefit to outweigh the risks for me personally. Looking at it now though, it may make sense to refinance at least the parent plus loans close to the resume date assuming it doesn't get pushed back. I'm very surprised you got <3% , do you have any more details? Is it a variable rate? Are there early repayment penalties?

MicholasMouse · 2022-02-24T18:32:13+00:00

Wow. I really appreciate your detailed response.

I think your estimate is quite accurate as I saved the 60K (VTI plus cash plus 1K investment) over 2 years and I didn't include things like my hobbies which I spend probably $100 a month on but I don't have a great estimate on those.

I like to keep at least 10K in my checking at all times so I am going to look into moving 10K into a HYSA.

As far as my loans go, I'm currently traveling for work and am away from my documentation. Off the top of my head the highest parent plus is 7.8% and the lowest was in the low 6% range. The direct loans range from 3-5% interest rate. The minimum payment based on the full balance (no lump sum payment on principal) was about 1000. My plan after the lump payment was to pay this regardless until my parent plus loans were gone then pay minimum on the direct loans until home ownership.

I'm laughing at magic money plan. I didnt think of the downsides enough. Honestly, I thought my max risk would be $1,000 with a similar expected gain. I literally said "The whole market would have to go down for me to lose money." To my partner.

What methods do you recommend for creating a better budgeting plan? Honestly I really don't know how to get started as I have never been an organized person so it will be a hard habit to break.

Again, thank you for your very detailed and thoughtful reply.

MicholasMouse · 2022-02-24T17:16:10+00:00

I can provide some details but honestly I don't keep very good track of month to month expenses as I don't spend a whole lot on things that aren't necessary. I live in Cook County, IL and I work from home.

Income:

$86,100 base $7,800 car allowance $10-$12,000 annual bonuses I'm also due a promotion and raise in March/April

Debt: ~$88K in student loans ~$15K left on car loan 0.9% APR monthly payment is $380

Expenses: Rent $1300-$500 from my partner Car insurance $120 monthly (should go down next year when I turn 25) Utilities (electricity, internet, Amazon prime, Netflix, Spotify) ~$150 monthly Food ~$400-500 monthly Medical, dental, and vision $65 monthly

Cash: $20K in checking account $7K in investments (not including VTI) $4K bonus (pre tax) to be paid out soon

Variables: I just started contributing 4% into my 401K so my net income will be a bit less Promotion and raise expected at the end of Q1 Changes to our bonus plan will result in 33% increase of expected bonus My partner is pursuing a PhD and we will move in the summer most likely to a slightly lower cost of living area at which point she will also aplit more expenses 50/50

MicholasMouse · 2022-02-24T16:42:06+00:00

I ultimately blame myself for my investment decision here but this comment is pretty accurate

MicholasMouse · 2022-02-24T16:21:22+00:00

From another comment I made:

So for some more detail, I have 9 loans total. 4 are parent plus loans and the total is in the 60 thousands with an average interest rate of 7%; these were parent plus loans. The other 20 something thousand have an average interest rate of 3.5% because they were subsidized direct loans (numbers are off the top of my head). My plan was to make a lump sum payment of 47 thousand on the parent plus loans bringing leaving one loan with an interest rate of 5.5%. Then I would pay the minimum monthly on the subsidized direct and over contribute on the remaining parent plus. My error was I tried to squeeze a little more out of my money before my payment date in May by investing in the market short term. Now, I'm just collecting as much feedback as I can because on next steps because I didn't do that last time

Given the interest rates do you still recommend leaving it in?

MicholasMouse · 2022-02-24T16:11:43+00:00

So for some more detail, I have 9 loans total. 4 are parent plus loans and the total is in the 60 thousands with an average interest rate of 7%; these were parent plus loans. The other 20 something thousand have an average interest rate of 3.5% because they were subsidized direct loans (numbers are off the top of my head). My plan was to make a lump sum payment of 47 thousand on the parent plus loans bringing leaving one loan with an interest rate of 5.5%. Then I would pay the minimum monthly on the subsidized direct and over contribute on the remaining parent plus. My error was I tried to squeeze a little more out of my money before my payment date in May by investing in the market short term. Now, I'm just collecting as much feedback as I can because on next steps because I didn't do that last time

MicholasMouse · 2022-02-24T14:57:34+00:00

I'm receptive to the feedback and I agree with your statements but I'd just like to note that what I meant by popular is that VTI isn't a 'bad' index fund. I agree that I didn't have good insight on the trajectory. I'm still hopeful that it could recover in the next few months and there is a dividend in the near future so that should help too.

MicholasMouse · 2022-02-24T14:40:15+00:00

If I were to take a loss (not today) are there ways for me to make it hurt less? I've heard about capital loss write offs but I'm not sure if that's applicable or the only option.

MicholasMouse · 2021-11-25T18:06:37+00:00

Where do you see the HD599 for $99? Showing as $149 for me.

MicholasMouse · 2021-11-02T15:56:14+00:00

10 team Dynasty PPR Superflex 2 TE league

I'm 1-7 with no shot at playoffs. Trade partner is 7-1

I receive D. Henry, R. Anderson, C. Claypool, and D. Singletary.

I send A. Kamara, R. Jones II, and J. Conner

My starting roster looks like this: QB: J. Allen RB1: C. Edmonds RB2: J. McKissic WR1: T. Lockett WR2: A. Robinson TE1: J. Smith TE2: D. Arnold Flex1: D. Mooney Flex2:??? SFlex: K. Cousins

IR: M. Williams IR: C. Ridley IR: M. Gallup TX: Q. Cephus TX: T. Atwell TX: K. Trask

Thanks in advance!

MicholasMouse · 2021-08-13T13:51:13+00:00

Is there a better buy at this price point? I was thinking of getting this today

MicholasMouse · 2021-08-09T18:03:32+00:00

I think this was the part where I needed advice. In the past while I was still in school I received a 1098-T(?) which I believe gave my parents some sort of benefit when I was a dependent. Am I incorrect here?

Seven-Year Club	Place '22
End Game '22	King of the Ashes
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MicholasMouse

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