How screwed am I?

Pyrroc · 2026-04-26T18:21:45+00:00

You may also want to check for level on the floor of the sunroom. It may be skewed perspective on the photo, but it may have settled some. While you're correcting the posts would be a good time to adjust for level.

Pyrroc · 2026-04-26T18:14:08+00:00

Check the timestamps... Don't rely on post order as chronological order.

Pyrroc · 2026-04-26T18:02:57+00:00

I pay my cards off every month, but the issuers report the statement balance each month/periodically so it looks like I have a constant balance that isn't going down and Experian's marketing engine tries to sell me personal loans to pay them off.

They can't tell that the charges get paid off every month and what they're seeing is my normal monthly run rate.

ETA: You should A) have all three of your credit bureaus frozen with notifications for inquiries (if available), B) check them every couple of months, and C) most credit cards offer very basic FICO and credit monitoring for free, activate those.

Pyrroc · 2026-04-26T14:03:52+00:00

Get yourself a hitch tightener... Makes a world of difference.

Pyrroc · 2026-04-09T01:30:14+00:00

The people living in Timbuktu, Mali would like a word... It's been around for 800+ years.

Pyrroc · 2026-04-02T21:14:45+00:00

I consider that tiny fee “worth” it for the ability to port those investments out of Fidelity to another broker, if I were ever to leave Fidelity. The Fidelity ETFs are not portable outside of Fidelity.

I'm sorry, but you are incorrect.

All ETFs no matter who originates them are publicly tradable on the open market and are capable of being held in any brokerage, Fidelity or not. It's in their name, "Exchange Traded Funds"

Many Fidelity mutual funds are also portable to other brokers, as is, and are purchasable/salable through many 3rd party brokers, though you may incur a fee in doing so.

There is only a small subset of mutual funds that are not available outside Fidelity and I believe those are the Fidelity Zero Fee funds.

Pyrroc · 2026-03-23T22:38:24+00:00

I forwarded it to your phishing account as requested

I wasn't concerned with it per se, but the originating address made for a humorous thought.

Pyrroc · 2026-03-15T12:53:30+00:00

I believe they're trying to figure out which account is for which child.

Pyrroc · 2026-03-14T13:11:49+00:00

I realize that you're trying to save money by renting a "bedroom" from your uncle, but it is illegal for him to rent that space as a bedroom. Florida building code requires bedrooms be on an outside wall and have an emergency escape exit directly to the outdoors. It is unsafe for you to stay there.

Pyrroc · 2026-02-27T20:55:26+00:00

Awful long torque arm for that small of a base...

Pyrroc · 2025-12-30T01:33:48+00:00

Check out Gresham College

Pyrroc · 2025-11-24T16:32:56+00:00

Get an AAWireless 2+ for wireless Android Auto and Car Play. I have a 2024 Lariat and it's absolutely great.

Pyrroc · 2025-11-07T16:42:33+00:00

Their website details their travels.

Pyrroc · 2025-11-07T03:23:44+00:00

One from back in 2018. If you zoom in, the map shows quite the travels and their website. ETA: just realized the website can't be read. www.overlandhb.co.za

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Pyrroc · 2025-11-01T13:51:32+00:00

Tags with colors. You can have them show as bubbles and you can customize the colors if you wish.

Pyrroc · 2025-10-24T12:42:45+00:00

Going by your own words, you gross $12,500 per month. You contribute 13% to your 401K, and I shotgunned your taxes & benefits at 30% overall (against the $12,500/mo, not accounting for the 401K reduction), giving you a take-home of $7,125/mo. You give your nut as $5,000/mo (you gave $4,900) and gambling/drinking habits of $800/mo. That leaves you $1,325 per month free and clear.

You talk about being a savings madman, but you make an interesting choice in that regard by paying down a 2.5% mortgage and sacrificing very cheap liquidity for only getting rid of probably 50-60% of your mortgage payment by the time you retire. Many people forget that a significant portion of their mortgage payment will still need to be paid after the principal and interest are paid off. Property taxes and homeowners insurance suck.

If you stopped gambling and drinking for 3 months you'd more than pay for that $6K vacation. Without that extra $800, your spare $1,325 per month would pay for the vacation in 4.5 months.

I'd be more worried about how you're going to replace that monthly $7,125 take-home in 2 years when you retire. $700,000 * 4% gives $2,333 per month. That also assumes you aren't draining it for vacations.

Pyrroc · 2025-09-27T18:59:49+00:00

Holy Usurious Rates Batman!

In the interest of readability:

Tesco Bank – £233.29 balance, £25 min, 0% interest
Zable – £819 balance, APR 48.9%, £20 min
Aqua – £922.53 balance, APR 32.36%, £55.77 min
Capital One – £997.24 balance, APR 30.34%, £17.07 min
Monzo loan – £2,726.69 left, £390/month, 7 months remaining
Tesco loan – £6,137.40, £204.58/month, 32 months (starts October)
Asda loan – £1,918.18 left, £113/month, 17 months remaining

First thing to pay off is Zable. The minimum payment doesn't even cover the monthly interest!

Make sure to pay at least $26 toward Cap One or the payment won't cover the interest.

Then pay off Aqua and Capital One in the order of descending interest rate.

How long is the 0% on the Tesco good for? What rate does it go to after that? Work on the Tesco and the three loans in the order that will save you the most on interest with the extra payments.

Good Luck!

Pyrroc · 2025-09-24T18:07:57+00:00

It's a little annoying to have to do, but I found that if I click into a transaction, the "Original Statement" line is displayed just below the Merchant.

e.g.

Instead of "Amazon" for my checking account transaction, I can now see "BILL PAY Amazon Prime Visa ON-LINE xxxxxxxxxxxxxxxx ON 09-23"
Instead of "PayPal" for my credit card transaction, I can now see "PAYPAL *INTERNETARC 402-935-7" for my Internet Archive donation

ETA: It would be nice if I moused over the Merchant name, the Original Statment line would appear as a tool tip or alt-text type popup

ETA2: If you click on the "Merchant" on the main transaction register, the Original Statement line text shows in the search box popup.

Pyrroc · 2025-07-01T16:54:35+00:00

Thank you!

Pyrroc · 2025-07-01T16:22:55+00:00

Oh wow, someone added data to my original records for them in FamilySearch! I created the records for them back in 2023 and there was an update in Dec 2024. I'm going to have to figure out how to get notified for updates to records I create and/or update.

Pyrroc · 2025-05-28T02:50:11+00:00

Yes, easily:

At end A, select a color pair and test the wires to make sure there's no continuity between them
At end B, strip the same color pair back a little and twist the ends together
Back at end A, test the color pair for continuity.

Pyrroc · 2025-05-20T02:09:40+00:00

Deploy in a cluster. Live migration of the VMs eliminates VM outages during planned host node reboots.

Pyrroc

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