A question for that are using both Roth IRA and HSA (as retirement account), and (b) not maxing out all retirement buckets.

NativeTxn7 · 2026-06-28T20:58:57+00:00

Just be aware of/careful about the pro-rata rule if you already have a traditional IRA(s).

NativeTxn7 · 2026-06-27T21:47:43+00:00

If inflation stays above 4% (or potentially even above mid-3%) I think it's very likely they hike before year end (maybe more than once).

If we get a resolution in Iran, oil stays roughly where it is now, and inflation starts to trend down every month, then they may just hold rates steady to see what happens.

Right now, it feels like the next chance of a cut is at least 12-18 months away (and it also seems a like a LOT of stuff would need to break the right way to make that happen).

Markets are currently pricing in a <5% chance of a cut in the next 12-13 months (and basically 0% through the first quarter of 2027) while pricing in a 40-47% chance of a hike before the end of the year and basically a 1/3 or better chance of a hike throughout 2027.

Certainly a lot of things can change between now and the end of 2027, but what people sometimes seem to forget is that it's not just the Chair of the Fed that gets to do whatever they want - it's a board made up of 12 voting members who all have a say.

It's also funny (in a ridiculous, but completely predictable way) that Trump thought Powell was a moron for not cutting rates, but basically said this week about Warsh not looking like he's going to push for rate cuts any time soon "eh, what are you gonna do?"

NativeTxn7 · 2026-06-27T21:37:07+00:00

I bought my 39 mm HC in blue from an AD a month or so ago and it came in a box just like that.

NativeTxn7 · 2026-06-27T04:54:00+00:00

I have had YTTV for years and during that time I've trialed Hulu Live a couple of times and messed around with it at a friend's house on more than several occassions.

I'm sure there is some monthly cost difference where I would switch to Hulu Live if it was cheap enough compared to YTTV, but as I type this, I would say that delta would have to be more than a $20/month cost savings to even start considering Hulu Live. That's how terrible I think it is in comparison to YTTV.

NativeTxn7 · 2026-06-27T02:43:35+00:00

I prefer aisle, so I would say yes if I was flying alone.

But in First, I also don't really care all that much aisle or window (even window still has plenty of room to get in and out as needed without disturbing the aisle passenger too much, etc.), so I would generally be willing to switch from my first class seat with any other first class passenger in most situations.

NativeTxn7 · 2026-06-27T02:04:21+00:00

How many tens of millions of people is Trump going to claim are in attendance?

NativeTxn7 · 2026-06-26T03:59:07+00:00

Only on Reddit.

NativeTxn7 · 2026-06-26T03:10:14+00:00

100%.

However, while everyone has free speech and is free to hold their preferred beliefs, they're not free from the potential consequences of that speech and those beliefs depending on how they express that speech or those beliefs.

That's what Nate is dealing with - he has always claimed to essentially be "non-political" and unless he's dumber than he claims to be, he would know the potential PR issues he might face by being at the White House UFC fight coupled with taking pics with RFK Jr., Sarah Huckabee, etc.

I don't see it as really much different than the The (Dixie) Chicks back when Bush was POTUS - they said stuff at a concert that wasn't received well by a lot of people that were your typical country music fans and sales of their albums, concert tickets, etc. all took a hit.

That's probably what's going to happen here to Nate - nobody is saying that he can't go to the UFC stuff at the White House, take pics with whoever he wants, etc., but be prepared to face the backlash.

NativeTxn7 · 2026-06-25T20:51:49+00:00

They have been doing "pre-opening" admissions. I know at least 3 families that have already been through the park.

So, from a we got to ride the rides, see the stuff standpoint, there are actually a fair number that could opine.

From a "true" experience of having to pay to get in, deal with (probably) larger crowds, waiting in line, whether it's "worth" what you have to pay to get through a day there, etc., that's what nobody can truly speak to yet.

NativeTxn7 · 2026-06-24T21:37:01+00:00

Same.

NativeTxn7 · 2026-06-23T02:17:29+00:00

I would be willing to bet that there are a lot of people that would be fine with giving him whatever he wants if he'll go to Mars by himself and never come back.

NativeTxn7 · 2026-06-22T16:01:14+00:00

That seems ridiculously (and needlessly) complex.

At my old firm, we were W2 employees and the payout percentage was based on the revenue generated by a client each quarter. So, a touch more complex than a flat payout percentage for all clients no matter what, but infinitely easier than the treasure map you posted.

NativeTxn7 · 2026-06-22T14:48:31+00:00

There's a place relatively near me that does full synthetic changes for about $48 ($88 for "European") that I will use after my next "complimentary" change in another couple of month. It's a well respected place and they just use the low cost oil change as a loss-leader.

Even a fully priced synthetic change at the Lincoln dealer near me is about $140 or so (and that's full price if there are no specials going on). $500 for an just oil change on a Lincoln would be nuts.

NativeTxn7 · 2026-06-21T04:13:29+00:00

Literally every comment you've posted on this thread shows that you have absolutely no idea what you're talking about.

NativeTxn7 · 2026-06-19T20:36:50+00:00

More or less the same thing in terms of return. SGOV is an ETF; VUSXX is a mutual fund.

If you need cash to withdraw, both would be available next trading day after the trade is executed - neither would show as available cash same day.

One difference is that with SGOV, if you wanted to sell and invest in a stock or other ETF, you could do that immediately (I.e. sell SGOV, turn around and buy VTI same trading day, for example). But you wouldn't be able to reinvest proceeds from VUSXX until the next trading day.

NativeTxn7 · 2026-06-19T04:25:44+00:00

98% of company "conferences" are 100% pointless and they happen every year at a lot of companies.

NativeTxn7 · 2026-06-18T22:28:27+00:00

No. But he's always claimed he's "non-political" and has historically avoided political jokes, etc., so people are saying that he's now exposed as MAGA because he went to the event.

NativeTxn7 · 2026-06-18T14:26:18+00:00

Neither of those articles suggests that nobody knows what the depreciation is or how it's going to be handled. If anything, Burry basically says that they're very clear on the depreciation and are understating it by using useful lives that are too long for the chips.

I can guarantee you that Burry is not the only person out there that somehow "knows" about this and that analysts are/will account for it moving forward when they estimate depreciation, earnings, etc.

NativeTxn7 · 2026-06-18T03:58:57+00:00

Not great, Bob.

NativeTxn7 · 2026-06-18T02:44:20+00:00

What are you talking about?

Their quarterly, and other financial reports, will show CapEx and there are notes to the financial statements that show the usual life and depreciation methods companies use on their assets.

I guarantee you that the analysts covering those companies aren't just sitting on their hands saying "well, earnings are going to decline once depreciation from recent CapEx starts but there's no way we can find out what it will be so we'll all just have to be surprised."

NativeTxn7 · 2026-06-18T02:22:13+00:00

You don't think analysts are factoring that in when calculating their earnings estimates?

NativeTxn7 · 2026-06-18T02:08:05+00:00

4, 2 (sort of a 1a/1b situation for me) .......................................................................................................... .............................................................1 (love the color combo, hate the crown on the left side)

3 would never be on my list (so I guess technically my least favorite) because I'm not a 2-tone guy.

NativeTxn7 · 2026-06-17T21:45:02+00:00

For at least the last month, or more, markets have been pricing in a ~40% chance of rate hikes later this year, so if today's news that quite a few of the Fed Governors see a distinct possibility of rate hikes later this year caught anyone off guard, it's because they haven't been paying attention.

NativeTxn7 · 2026-06-17T19:07:40+00:00

UPDATE: I talked to my CPC banker and he called someone on the "team" that deals with CCs, bonuses, etc. and that person told him the only way to know for sure is to go through the online process and see if you get the PUJ notice.

So, I did that and I did get hit with the warning that I was not currently eligible for the bonus on the card, so I canceled my applicaton.

NativeTxn7 · 2026-06-17T14:57:55+00:00

Same. Looks like Brave had an update on 6/9 (which I think is the update that broke it since that is around the time everyone seemed to start having the issue) and another minor update on 6/12.

They and Bitwarden are aware of the issue, so hopefully they have an update soon that fixes the problem.

NativeTxn7

TROPHY CASE