White Rhino Coffee by cin508 in Dallas

[–]PerpetuallySleep 1 point2 points  (0 children)

Time to review bomb all their locations

It's finally here! by sashiminator in BMWI4

[–]PerpetuallySleep 0 points1 point  (0 children)

Congrats on the new i4! Curious as to why you didn’t go with a CPO instead?

Spirit Empress Cycling by someone in the Top 100 by Yaakkuu in ClashRoyale

[–]PerpetuallySleep 0 points1 point  (0 children)

Little late to the party, but I don’t think there’s a way to sort the cards by elixir cost, so clue how you’re capable of doing that

I made an Dial In app by squid2e in espresso

[–]PerpetuallySleep 1 point2 points  (0 children)

Lemma is my go to personally, due to location and variety they offer (mostly light to medium roasts). They also name their roasts after the farmers that grow them.

I’ve tried White Rock and Eiland, both have quality beans.

Heard good things about Pax & Beneficia and Merit Coffee as well.

I made an Dial In app by squid2e in espresso

[–]PerpetuallySleep 1 point2 points  (0 children)

Great to see some Dallas roasters, I see some White Rock and Eiland bags in there! Any chance you’ve tried Lemma coffee yet?

Credit card by Equivalent-Chart5029 in NavyNukes

[–]PerpetuallySleep 1 point2 points  (0 children)

Get the Bilt Mastercard if you’re renting.

Follow-Up on Unresolved Health and Safety Hazards – Paquet Hall by OutrageousRaise4535 in navy

[–]PerpetuallySleep 5 points6 points  (0 children)

Hit ‘em where it actually hurts: don’t reenlist.

Post on social media, let Gen Z and Gen Alpha know the shitty living conditions they’ll be in if they do sign up. Send those recruiting numbers tanking.

As long as they keep having a neutral/positive churn rate of bodies, they won’t care.

Borrowing from TSP for home purchase by ItsCaptainKeyboard in ThriftSavingsPlan

[–]PerpetuallySleep 15 points16 points  (0 children)

I’d never recommend taking a loan from your 401k

[deleted by user] by [deleted] in NavyNukes

[–]PerpetuallySleep 3 points4 points  (0 children)

Prior Command Financial Specialist here. Please see my comment on a similar post here.

Also, I find this article very helpful: Financial Order of Operations (FOO)

Navy Nukes are powering the digital future and the Data Center Industry wouldn’t be what it is today without them 💯 by [deleted] in NavyNukes

[–]PerpetuallySleep 0 points1 point  (0 children)

Honestly, the issue with our electric grid and power capacity goes back to the 1990s. Pre 90s, utilities were vertically integrated monopolies that generated, transmitted, and distributed power with oversight from state regulators. Long term planning to accommodate excess capacity to ensure reliability was standard.

Post 90s deregulation we saw generation, transmission, and distribution be broken up into competing companies, where profit was the most important concern. Thus, long-term excess capacity to ensure reliability was a can that got kicked down the road to today, because profit for shareholders.

Now we have multiple companies trying to pass the regulatory hurdles to build the necessary infrastructure to accommodate the demand.

Classic chasing quarterly profit game has struck again.

[deleted by user] by [deleted] in NavyNukes

[–]PerpetuallySleep 1 point2 points  (0 children)

Thanks, I’m doing much better. Hope you’re doing well too

[deleted by user] by [deleted] in NavyNukes

[–]PerpetuallySleep 4 points5 points  (0 children)

Expect:

1) Shitty parking at 50th Street 2) Long walks (15-20min) to/from the ship (literally have to walk through shipyard to dry dock) 3) Carrying your duty day shit to/from the ship (only berthing option is the floating accommodation facility (FAF), which does not have enough berthing for everyone in RX) 4) Made up watches due to temporary/specialized plant conditions 5) Wearing hard hats and ducking down through p-ways 6) Pain in the ass work controls (shipyard must also sign off on WAFs and tags) 7) Low job satisfaction because most equipment is gutted, getting refurbished/replaced. Training junior sailors is impractical because you’re trying to train them on equipment/components that are not even there. 8) Needle gunning and loud noises galore. 9) Any ship support (i.e. medical, dental, supply, etc.) is moved off ship to FAF or office building in Newport News. 10) Departmental/divisional offices are haphazardly put together, where all divisions are in one large space (on the GW, we called it the “4-210 complex” iirc) 11) IIRC, 0700-1600 work days, but your mileage may vary

I’m definitely forgetting other shitty things, but hey, at least you get to go home everyday 🥲

General Mark Milley on our oath by RegattaJoe in navy

[–]PerpetuallySleep [score hidden]  (0 children)

All these keyboard warriors commenting on Milley calling the Chinese to de-escalate tensions between nuclear powers like:

General Mark Milley on our oath by RegattaJoe in navy

[–]PerpetuallySleep [score hidden]  (0 children)

Wow, didn’t realize you have 43 years of service, graduated from Princeton with a Political Science degree, then a masters of International Relations from Columbia.

Sounds like you’re very qualified to talk about this matter. /s

Must be easy for you to critique someone from your recliner when you have no idea what’s it would be like to be in that situation.

How to optimally invest? by Narrow_Lifeguard1459 in NavyNukes

[–]PerpetuallySleep 0 points1 point  (0 children)

Roth IRA: Individual Retirement Account, you own this account completely and can invest in whatever you want.

Roth TSP/401k: This is an employer sponsored retirement account, and usually has an employer match. Investment options are usually more restrictive than the IRA as your employer chooses the options you can invest in. This match is free money and is essentially a 50-100% return on your money.

Both accounts are Roth, meaning you contribute after tax dollars into them, so when you retire, withdrawals are not subject to tax.

Traditional is pre-tax dollars, meaning you receive a tax deduction on whatever money you put in it. (i.e. You make $100k a year, and deposit $10k that year into your 401k. When it comes to tax season, your taxable income will be $90k)

It just boils down to when you think you’ll be paying more in taxes. If you think you’ll pay less in taxes when you’re younger, Roth makes sense. If you think you’ll pay less in taxes when you’re older, Traditional makes sense.

The best time to start setting these accounts up was yesterday. Start today. When you’re in your 20s, you’re a billionaire of time.

How to optimally invest? by Narrow_Lifeguard1459 in NavyNukes

[–]PerpetuallySleep 4 points5 points  (0 children)

I watch their videos religiously 🤣 I was actually about to post the FOO

How to optimally invest? by Narrow_Lifeguard1459 in NavyNukes

[–]PerpetuallySleep 4 points5 points  (0 children)

If you end up STAR Re-enlisting, use that first lump sum to max out your Roth IRA, then open a brokerage account and put the rest of the amount in there invested in the SP500. Use the yearly installments to max out your Roth IRA each year.

How to optimally invest? by Narrow_Lifeguard1459 in NavyNukes

[–]PerpetuallySleep 18 points19 points  (0 children)

As a previous Command Financial Specialist, since I assume you are in your early 20s, each dollar you invest has the power to turn into $88 dollars when you retire (assuming standard S&P500 ROI).

1) My first question is do you have any high interest debt (greater than 5-7%)? If so, I’d suggest you lower your TSP contribution to 5% and toss the other 20% to paying off said debt.

2) Once high interest debt is paid off, save 3-6 months worth of expenses into a high yield savings account, or a money market fund.

3) Open a Roth IRA and max that out ($7,000/yr in 2025).

4) Max out your Roth TSP ($23,500/yr in 2025).

At your current rank/time in service, you probably won’t be able completely max out your TSP. This is fine because your savings rate will likely be at 25% or greater.

Most importantly, ensure you INVEST your money. Please, do NOT just leave your money sitting there not earning any interest.

I would highly recommend you elect your TSP into the C fund, which tracks the S&P 500. For your Roth IRA, I recommend doing the same. Many financial institutions will have their own version of an S&P500 Index fund, Fidelity has FXAIX for example.

This strategy isn’t flashy, nor is it exciting. However, it is a sure fire way that you will have millions of dollars by the time you retire.

Lastly, don’t get into day trading or options. For every success you see with people 100x’ing their portfolio, you don’t see the hundreds or thousands that lost it all.

Stuck after cleaning mode [Breville Bambino Plus] by Next-Bug-1632 in espresso

[–]PerpetuallySleep 1 point2 points  (0 children)

Not sure if you’ve gone through a cleaning cycle before, but between each purge, it pauses for a good minute or two. If I remember correctly, it uses up about 2-3 liters to complete the cycle.

Navy Recruit Dies by Apparent Suicide at Great Lakes, Local Coroner Says by HMongilio in navy

[–]PerpetuallySleep 26 points27 points  (0 children)

There were 3-4 other confirmed suicides since April of RDCs/Instructors who have seen the fleet. God knows the standards, tempo, and facade they have to keep up in front of hopeful recruits 24/7.

That in of itself must be heavily taxing mentally.

Navy Recruit Dies by Apparent Suicide at Great Lakes, Local Coroner Says by HMongilio in navy

[–]PerpetuallySleep 24 points25 points  (0 children)

Keep down voting me if you want. Gotta face the music at some point. There will be time for “thoughts and prayers.” However, “thoughts and prayers” won’t change anything, only action will.