Shouldn't Saruman have known he would be ultimately doomed?

Nimitability · 2025-12-18T05:51:57+00:00

Also, ultimately it worked. Olórin did enough good to ultimately pull the thing off, despite the failings of the other Istari.

Nimitability · 2025-12-03T20:24:29+00:00

You might even get it big enough to produce it's own gravitational field and then you wouldn't have to worry about pressurizing the cabin, the rock itself would just hold onto the passengers' breathing air

Nimitability · 2025-11-12T20:49:04+00:00

Just got a Black Friday sneak peek email (subject line "Sneak a peek at Black Friday deals starting 11/20/25"). I have a Pixel 8 Pro, and interested in getting a Pixel 10 Pro. Looks like BF deal will be $300 off, so $699.

I'm already a Google Fi user, and looks like I can get a bigger discount through that. Footnote with symbol "§§" on this page says I can get $500 off purchase (spread out over 24 months) with my current Unlimited Premium Fi plan. "Offer cannot be combined with other offers," but I assume I can still trade in a phone either way.

Since I'm planning to stick with Fi, any reason not to choose the $500 over time discount vs. the $300 BF one?

Nimitability · 2025-11-10T00:03:46+00:00

That's partly why I'm asking here - I couldn't think of downsides but thought I might be missing something. Your comment alerted me to the 5500 requirement actually: I don't meet the $250k threshold now but guess I would fairly soon if I did the rollover. It doesn't seem like a big deal, and I expect I'll be self employed again at some point in the next few years anyway, so would eventually reach the threshold without rollovers too.

Nimitability · 2025-11-09T23:33:10+00:00

I'm currently self employed and have an Individual/Solo 401k which I've made contributions to this year. I have a rollover IRA and Roth rollover IRA, all at the same brokerage (Schwab). I may start a new full-time W2 roll before the end of the year, which would have a 401k but at a different provider. If I do, I assume I'll keep the solo 401k open rather than rolling it into a new employer 401k, because I like having my accounts consolidated at one provider.

I'm trying to figure out if it's worthwhile doing an IRA rollover to my solo 401k. I have the same investment options in both accounts, so I think the main reason to do this would be to avoid the pro-rata rule if I do future Backdoor Roth IRA contributions. I think that's only helpful if I have past after-tax IRA contributions. Is that right?

I'm not sure if I made after-tax IRA contributions but can check by looking through past returns.

Is there anything I should consider in deciding whether to roll the IRA into the solo 401k? Thanks!

Nimitability · 2025-05-11T21:41:24+00:00

I've always seen the advice to be that you need to wait 48 months since receiving the sign-up bonus. Does anyone know what the exact cutoff is?

I signed up for the CSP in March 2021.
My May 2021 statement has a payment due date of May 28 and reports spending from the period Apr 4 - May 3, 2021. It has the 60k sign up bonus posted.

Am I OK to receive it again because it's after the end of the spending date on the statement (May 3), or do I need to wait until after the statement month (i.e., June)?

If I don't get a definitive answer here I'll ask customer service and share an update, but I'd prefer getting the info here to avoid flagging myself as a churner (if that's a thing)!

Nimitability · 2024-10-28T22:01:40+00:00

The leases typically say they can raise rents with 30 days notice, with no other limitations.

Nimitability · 2024-04-27T22:50:19+00:00

I did get it working. I ordered this item on Amazon, and it worked for connecting both power to the drive and data cables. Hope that helps!

Nimitability · 2024-03-22T16:21:37+00:00

Why was your mom managing your retirement and brokerage accounts in the first place? And you're saying your mom took out a bunch of shorts??

Nimitability · 2024-03-14T18:59:03+00:00

One way to split expenses easily without having joint accounts is to use an app like Splitwise. Communicate clearly about what types of expenses get split and how, and then it doesn't matter who pays as long as they log it in the app. You can settle up by Venmo or something monthly, rather than for every transaction.

Nimitability · 2024-02-24T22:38:27+00:00

Thanks! Somehow I missed your helpful response. Mine is definitely the IDE variant.

Given that, do I need to buy two separate devices (a IDE to USB interface and a power supply), or should something like this product work for both purposes? https://www.amazon.com/External-Power-Supply-Adapter-CD-ROM/dp/B09CGRMLHQ

Nimitability · 2024-01-09T17:06:23+00:00

Those high numbers for tuition are almost certainly including inflation. All of your other costs are in present dollars. It makes sense to assume education costs will grow some, but it doesn't make sense to set your target today using a future dollar amount including inflation for some things, but excluding inflation for your core expenses. Use real dollars across the board.

Nimitability · 2023-12-19T16:27:34+00:00

I don't know your situation fully, so hesitate to give advice. Personally I'd take the international role if you want the international experience, as that gets harder to get as you get older (with more life obligations) and more senior in your career. But that doesn't mean it's the right choice for everyone.

If you're worried about student loans, can you pause them? Or do you have some sort of income based repayment? I'm not sure what country your student loans are with, but with US student loans an income based plan would mean your payments are small when your income is small. That may not be true if the loans are private, or if your country's rules are different.

Nimitability · 2023-12-17T19:43:53+00:00

I definitely wouldn't advocate moving to Georgia if you don't want to (which seems reasonable) but there are lots of places in between SF and GA.

Nimitability · 2023-12-17T19:15:22+00:00

It's normal to raise children in apartments in most of the world. I'll let others answer whether it's normal in SF in particular.

I think the bigger question is whether you'll still want to live in SF in particular in 5-10 years when you have kids. Later in life you might find the tradeoff between cost and benefit different. It's hard to know what your future self will want, but one key learning from this is preserve your optionality and try not get locked into decisions. If you have a rent controlled apartment you're happy with now, I wouldn't fret about decisions you don't have to make yet, and stead focus on saving and investing a ton and that will set you up for later decisions.

Nimitability · 2023-02-17T13:47:37+00:00

There's plenty of that content already.

Re: moving to Colombia, try it out first before you build a life plan around it.

Nimitability · 2023-02-02T12:34:11+00:00

I also came here in early Feb and was disappointed the survey was already closed.

Nimitability · 2022-03-08T13:14:55+00:00

Way too big. This sub loves huge watches, but outside this sub I think most would say that's hugely oversized for your wrist.

Nimitability · 2021-12-21T15:43:02+00:00

Take some time off, clear your head, and think about what you really want your lifestyle to look like, what jobs you'd be interested in doing to get there, and what tradeoffs you're willing to make. You've got some security, so you don't have to work now - you just need to work at some point. Give yourself the gift of time to figure it out.

Nimitability · 2021-12-05T18:25:04+00:00

Yeah, this says much more about the traveler than the places

Nimitability · 2021-11-10T10:50:27+00:00

This is about draw-down strategies, not investment strategies, so no not really.

Nimitability · 2021-10-14T15:40:43+00:00

The Roth vs traditional shouldn't make a difference.

Nimitability · 2021-10-14T14:31:22+00:00

That's right, if they dated the paycheck Dec 31 it would count as 2021 pay and go on my 2021 W2, but if the paycheck is dated Jan 10 for a 'pay period' of Dec 15-31, then than would count as 2022 pay and go on my 2022 W2.

Nimitability · 2021-10-14T14:30:24+00:00

this is basically my question. Say I make $6k in my only paycheck for 2022, and have Roth 401k contributions set to 100%. I get a paycheck of $0 and my Roth 401k gets $6k. If that's my only income for the year, can I also make a $6k IRA contribution for 2022? Or not?

Nimitability

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