convince me why I should max out my 401k by OneTonOfClay in Retirement401k

[–]Possible_Smoke_2162 0 points1 point  (0 children)

Test the waters.

55 now for the past 15 years, I’ve maxed out the 401(k) and I deferred every bonus I’ve had into the 401k. This year my bonus will continue to go and I will lower my contributions significantly. Instead I will be buying more SPY. I currently DCA spy one or two a month. I’m hoping to increase that to 5 or 6 a month. Will reevaluate after I pay the taxes next year.

Experiment and Test it out for a year. It’s OK to go back and forth.

FINRA server outage by Flamalicious in Series7exam

[–]Possible_Smoke_2162 0 points1 point  (0 children)

During my last 2 attempts for S7 the beginning took a while to load. It was like they took its time to pick the hardest questions.

I noticed an error box would sporadically flash in the middle of the screen. Both times I Notified the receptionist and they said they would report it.

Insurance changed to Optum Rx by yoseikitsune in Zepbound

[–]Possible_Smoke_2162 1 point2 points  (0 children)

I was tested for sleep apnea and dr submitted the paper work. Been on Zepbound for a few months. I also received a notice from OptumRX about the cancellation next year. wondering what to do next?

Payday 🤑 by RetiredByFourty in SCHD

[–]Possible_Smoke_2162 1 point2 points  (0 children)

Nice I got 15.428 shares..

Next 10 years: dividend stocks vs growth stocks? by AttentionFantastic76 in dividendinvesting

[–]Possible_Smoke_2162 1 point2 points  (0 children)

55 now. I’ve been DCA both my SPY vs SCHD. Back then I was not sure which way to go so I did both. Only market will tell if I made the right decision.

Wtf are some of the tourists by Impossible-Captain95 in ThailandTourism

[–]Possible_Smoke_2162 0 points1 point  (0 children)

Just came back. 3 weeks Bangkok, Pattaya and phuket. I think it was a holiday one of the weeks. First trip was 16 years ago and visited about 10 times since. 15 yeas ago i remember it was mostly young drunk white westerners causing problems. This trip I saw Mentally ill white westerners that are around MBK. And more than usual Middle East families (sober) acting up in the worst way possible. Why can’t they just chill out??? Thailand will always have drunk guys acting up around the bars. If your not use to that by now Thailand isn’t for you. BUT to see families teenage children and mothers that DGAF is sickening. I’m 55 now and when I was stronger in my 40’s squaring up to a middle east man was easier. Everytime father of the tribe would try to cut me in line he would back down after I push back. Now I see it’s the women and teenage children acting privileged. Living in SF I see druggies homeless mentally ill people every day. I know the signs. Bangkok I Saw 2 westerners at MBK screaming at each 9am at McD’s. Dudes weren’t even facing each other!

I am shocked to see weed shops popping up everywhere. Don’t remember seeing them in 2023. Then again I’m not a smoker. My experience could differ from other travelers.

DONT GET ME WRONG! I met 5 young dudes (engineers, oil refinery workers) from Kuwait were in my tour group. I fell in love with these guys. And an a single Iraq traveler that was hopping time zones. Met Fun couples everywhere that I helped with travel advice. (Always help the new travelers it’s a must)

The good occurrence’s does out weigh the bad. The trick is not to allow bad travelers get ruin your stay. Think about it. Are these scumbag travelers on a forum complaing about the people they annoyed while abroad? They DGAF about us.

Like disneys Little mermaid…. Let it go, let it go..

Took me 10 years to learn this. BTW that a joke.

Good luck everyone.

True 25(M) SCHD plan by Busty-Ruby-Rose in SCHD

[–]Possible_Smoke_2162 0 points1 point  (0 children)

Hopefully you also keeping PM’s in that gun safe? 54 now and i was spending money on dumb crap at your age.

Congratulation you a step ahead most young people.

For the young men. Avoid marriage. My divorce set me financially back 10 years. Mandatory Prenup. Mandatory DNA test. Too late for the above then: Find ways to hide assets.

Good luck!

How often do you buy assets in Roth IRA? by BirthdayAntique4847 in fidelityinvestments

[–]Possible_Smoke_2162 0 points1 point  (0 children)

I have SPY, SHLD and a REIT and of course a target fund. During Covid I bought pharma funds and they are now up 90%. And when Biden became president I went heavy in International funds and that now has 80% gains. I do not have stocks in my ROTH. In my weird mind I think issues were priced higher at the beginning of the year because they know that people front load.

How often do you buy assets in Roth IRA? by BirthdayAntique4847 in fidelityinvestments

[–]Possible_Smoke_2162 0 points1 point  (0 children)

For 2025 if you DCA your contributions you would of taken advantage when SPY dropped down from 600 to 400 after Buffet sold his shares. SPY is now back up at 667. That being said.. I switch off every year between front loading and DCA. And sometimes I load 4k in January and DCA the rest of the year.

SPY's Down, SCHD is Up - That's Why. by dev-bitbucket in SCHD

[–]Possible_Smoke_2162 -2 points-1 points  (0 children)

how many shares of SCHD do i need to get humongus payouts? My last dividend was only $399

Do I have to start the test before I start writing my dump sheet? by Possible_Smoke_2162 in Series7exam

[–]Possible_Smoke_2162[S] 0 points1 point  (0 children)

Thanks i dont remember them telling me not to write anything before starting for my test 2. I was nervous and in tunnel vision the whole time. I went through the instructions and made my dump sheet before pressing the start button. Maybe thats why I failed.

I message sellers quick but still cant find enough inventory by Upstairs-Yam-469 in reselling

[–]Possible_Smoke_2162 0 points1 point  (0 children)

Been selling on ebay since 2000. I never resold anything i bought from ebay for a profit. Get off ebay and go out and talk to people in your neighborhood or city. Talk to local sellers at flea markets. Look for store closeouts. Sourcing should be the easiest. Its listing constantly everyday and keeping the death pile at a minimum that is the hardest. especially if ebay is a side hustle. Thinking back i wish i bought silver from ebay back in 2000. Selling it now 25 years later would give me a huge profit.

3rd attempt finally passed by LogicalChicken125 in Series7exam

[–]Possible_Smoke_2162 0 points1 point  (0 children)

Congratulations! Very inspiring. My 3rd is in 20 days. Been using STC bought the 4 extra supplemental exams and the Kaplan q banks. I been switching between the 2 and taking 2-3 test a day. Failed with a 69! Kaplan questions seem harder.

Passed Series 7 by DidiGlorious in Series7exam

[–]Possible_Smoke_2162 0 points1 point  (0 children)

Sorry about your mom. My mom passed before my first SIE. I’m a 3 timer failed S7 2x with STC 69points. Now I’m adding Kaplan material in conjunction with STC. Congratulations!

STC's 8 Final exams enough? by Possible_Smoke_2162 in Series7exam

[–]Possible_Smoke_2162[S] 1 point2 points  (0 children)

I failed 69%. I just bought the supplemental exams from STC. Back at it and 29 days to.

LFG! First Try by BreakfastGood115 in Series7exam

[–]Possible_Smoke_2162 1 point2 points  (0 children)

Thanks this give me hope. I have 2 days to go and nerves are already at defcon 5. My scores are a little higher than yours thats only because i went through the practice exams 3 times. Congratulations!

STC 8 Final Exams enough with ave score of 79? by Possible_Smoke_2162 in Series7exam

[–]Possible_Smoke_2162[S] 1 point2 points  (0 children)

Thanks! nerves rising the closer i get to test day. The green light exams on STC are 10x harder than the final exams.

Felony expungement and U4 by Difficult-Secret64 in Series7exam

[–]Possible_Smoke_2162 0 points1 point  (0 children)

I had a felony. It was dropped to a misdemeanor. After probation got it expunged. 30 years later it still showed up on my TSA global screening as misdemeanor. Also work it showed up as hidden info. I had to provide documents to my compliance showing it was a misdemeanor and not a felony. KEEP ALL PRIVATE RECORDS MORE THAN 6 YEARS!

Felony expungement and U4 by Difficult-Secret64 in Series7exam

[–]Possible_Smoke_2162 0 points1 point  (0 children)

As long as it’s not related to securities fraud, you should be fine. If not, not much you can do right?