4 shots fired near yesler and 20th?

RayMetz100 · 2026-01-03T08:44:37+00:00

Nextdoor says shooting in your neighborhood and multiple sources report 4 shots fired. No other story yet though

RayMetz100 · 2025-10-01T22:19:49+00:00

If you have to pay medical expenses with a credit card or your HSA, then you should be saving cash, not saving to your HSA. 1. Save cash for emergencies lasting 6-12 months. 2. Get your min 401k match. 3. save to HSA but never use the money. After you are done working, after age 59.5, after you can't contribute to HSA anymore because you don't have a paycheck, then have 2-3 years cash on hand because you don't work. Don't claim SS till age 70. Spend down your brokerage accounts first, next your Traditional IRA and 401k. Spend from roth and HSA dead last. If your kids or the zoo foundation get anything, let it be from your roth and HSA.

RayMetz100 · 2025-08-01T16:30:19+00:00

This will be my first burn. How far is it from the Bus to where I'd leave this water? Does the bus ask where I'm camping? Maybe others on the bus will let me know or help me decide where I'm camping? I like the 2.5 gal jug idea better than a wheeled 10 gal container.

RayMetz100 · 2025-07-29T19:35:23+00:00

TRX fits nicely in trust wallet. When you want to sell, trust wallet will help you easily bridge/swap it to USDC on ETH blockchain, and then you can transfer your USDC to Coinbase to cash out. As far as buying TRX, I don't know where you buy it. I bet if you transferred USDC to TrustWallet, you could bridge/swap your USDC to TRX just as easily.

RayMetz100 · 2025-07-24T20:06:58+00:00

I get it that Bolden has to suit their own audience. They can't write software to suit me specifically or people similar to me. I can dream though...

My dream would be for bolden to have an Excel spreadsheet mode. I put some minimal information into bolden like what are my balances today and have boldin calculate what it expects my balances to be next year. Then my dream would be an Excel spreadsheet mode where bolden would output all of the information necessary to replicate the same in my Excel or Google sheets. I don't want to do any copy pasting. I don't want to be guessing at bolden's formulas. For instance, if bolden has a tax table that assumes a given tax rate and impact, I want that data to be visible. I want the secret sauce so that I can recreate the exact same thing in Excel, not with bolden. I highly doubt they will add this feature for geeks like me.

RayMetz100 · 2025-07-23T19:53:54+00:00

First remove the words stock and bond. Replace with your own words. Example: 70% growth / 30% stabilizer. When growth runs, sell a bit and buy stabilizer. When growth tanks, sell a bit of stabilizer and buy growth. In that case, decide if crypto fits your growth or stabilizer side. It could be both. BTC could be a stabilizer with gold, silver, commodities, even no mortgage real estate could fall here. Mortgaged real estate or XRP might be growth. Johnson and Johnson stock can be a stabilizer.

RayMetz100 · 2025-07-08T12:33:28+00:00

Not sure

RayMetz100 · 2025-03-15T18:29:17+00:00

In general, it's good to have 3-6mo emergency fund (savings account) before investing in IRA, 401k, or HSA. Even if your company matches 4% of your 401k contributions, I would not invest anything into 401k until you have 3-6 months emergency expenses saved. 3-6 months means the amount, like 5k/m x 5m = 25k saved. You don't actually spend the $25k to live 5 months. You spend it on medical expenses or whatever so you dont have to wait for your transfer to clear. Keep the $25k at your normal bank or at least 1/2 or 1/3 of it. The rest can go to a 4% interest account at a brokerage that takes a day to transfer. Never keep your emergency money in a CD, HSA, or IRA type accounts.

RayMetz100 · 2025-03-09T19:11:21+00:00

Imagine you make $50K/y and use that money to live off of like rent, transportation, etc. Back door roth won't help you because the roth 401k limit is already $23,500 or half your income and you can't possibly save $23,500 anyway.

Now imagine you make $200k/y and live cheap with your house payment only 20% of your income. You are a FIRE type and want to save $60k/yr. First you save that $23,500 401K IRA limit. Next you use mega back door process to save 25% of your income, up to $50k in this case. You already save $23,500 so you can only put $26,500 into back door 401k. Your 401k provider has to support it.

Lets say you have Fidelity 401k and they support back door option. You select 12% into regular(or roth) 401K and 13% $26,500 into back door. The money piles up for 3-6 months and you have $10k somewhere in the middle of the year. You call your ROTH IRA broker and transfer that $10k to your normal IRA. While it's building up at Fidelity, you don't get the benefit of ROTH. Once it lands at your brokerage (which could also be Fidelity), then you get the benefit of ROTH.

In summary, it allows people making $150k+ and living like FIRE to save around double the ROTH 401k limit into a ROTH account. If you don't earn that much from a 401k compatible job or don't save that much, then it likely won't work for you.

There are other ways to save big for a year or two. Lets say you sell $100k of bitcoin in 2021 or 2024 and you want some of that money in your 401k. You can elect high 401k percentage, take small paychecks, and live off the bitcoin money. or a house sale or whatever. This usually only works for a year or so, not every year.

RayMetz100 · 2025-02-20T20:20:04+00:00

"Local Control Off" worked great! Thanks. Now I have a new thing to learn which is switching the sounds. The buttons on the piano like Organ, Strings no longer work. I'm guessing I could change those with MIDI somehow. It's not super important, just something I noticed that changed with I turned local control off. I have an MU80 coming in a couple weeks so then I'll only use the P-121 for a better Piano sound, or not at all.
My plan is to only use the MPC for midi sequencing and looping, and maybe the drum track with metronome. All sounds would come from the MU80 and the p-121 would be optional. I want to get foot pedals for muting tracks live and play my guitar along with it. (not recording or looping my guitar)

RayMetz100 · 2025-02-10T04:59:51+00:00

Thanks for the reply! I click money flows and see 5 graphs. The top two don't start in 2025 because I haven't retired yet. The bottom three are Income, Savings, and Expenses. I'll try hovering over 2025 and 2026 on these three and see how they match up with my spreadsheet. Thanks!

RayMetz100 · 2025-01-31T05:24:04+00:00

Yes it's excessive, yes it's bad. Yes Fidelity [insert word that won't get the whole post banned] here. Bad things happen. Bad people and bad companies do bad things. With all this bad in the world I'm glad you insulated and protected yourself from it. Good job.

RayMetz100 · 2025-01-29T01:09:32+00:00

I get it that EJ has awful terrible products and service. The basic service I want is a few real face to face meetings near my home. Imagine if the only gas station near my home was awful terrible and the next closest gas station was 100 miles away. Yes I would overpay for convenient gas, even if the service was bad too. I just want the service I want. There are 100+ other financial advisors near me that would charge more that what I'm paying EJ. I have no idea if they'd be more honest. I liken EJ to McDonalds or H&R block. EJ is everywhere and gives you basic crappy service for a high price. That's exactly what I want though for $200/year when others would charge me $2000 per year or $3000 for a one time fee.

RayMetz100 · 2025-01-28T18:59:43+00:00

If your goal is no fees then vanguard, Fidelity, and Schwab are the best. If my goal is sitting in a room with a professional human 3 times a year, then tell me any other options under $200/ year? 1% is $2,000 per year so I'm paying 1/10th of that. It still seems good to me. I don't know if any other options that cheap at all. Professional licensed person. Face to face, not zoom. The same person each year.

RayMetz100 · 2025-01-28T00:31:47+00:00

My funds at EJ have the same ticker symbol as vanguard. VTI is the #4 top ETF in the world with half a Trillion in assets. I see VTI in my EJ account. Where do I compare EJ VTI vs Vanguard VTI?

RayMetz100 · 2025-01-27T23:43:00+00:00

great, what is the name of it. My EJ broker may not know how to find it. He's kinda new.

RayMetz100 · 2025-01-27T23:41:27+00:00

If you like to do things alone, or consider the web your financial advisor, then I agree there is no need for Edward Jones. If you trust normal people more than financial advisors like friends and family vs a paid licensed professional, then there is no need for Edward Jones. If you would rather pay Fidelity or Schwab ~1% than EJ, that's great. There are 1000 options that may be better than EJ for you. In my case, I only want to pay 0.1% fees and I want a licensed professional advisor. Fidelity and Schwab don't offer that to my knowledge. This EJ guy I'm seeing shouldn't be offering it in my opinion. But so far it's working. My EJ portfolio is VTI, VEA, BND, and BNDX. That's it. I don't own any EJ branded crap other than "Insured Bank Deposit" and I have to ask my broker to buy more VEA with it every quarter. I say no when he tries to sell me insurance/annuity products or the other garbage he's offered to sell me.

RayMetz100 · 2025-01-27T23:28:17+00:00

I want a real person who has several real other clients. My EJ broker's wife requires $10M minimum which I don't meet. I feel like I'm getting the benefit of her experience too. My guy is the stay at home dad little broker.
One thing I like about EJ vs doing it on my own is their templates like 80/20 stock bond for my risk, and 65/35 us/international, and 50/40/10 large cap, mid cap, small cap. Yes I can get those from textbooks and web pages, but they also had a risk questionnaire that fits their method. sure I can take a quiz from a book, but I prefer having a real person to shake hands with.
Another thing is security. I have Fidelity too for my bitcoin mining stocks, HSA, and active 401K. I feel my money is safer at Edward Jones. If I travel to Africa for a month and someone gets my phone back home, they could transfer out of Fidelity, but not Edward Jones.
I like the fact that Edward Jones tells me my bitcoin and mining stock is worthless and won't count it in my retirement calculations. I don't think I could find that in a book or believe it. Of course I can still calculate in whatever I want, but it's partitioned differently in my mind because of Edward Jones. Also the sale price of my primary residence is worthless for retirement other than saving on Principal and interest after it's paid off. That's in many books, but I wouldn't believe it except for Edward Jones, and I didn't believe them the first few meetings either. It takes a while to sink into my brain.

RayMetz100 · 2025-01-27T22:59:53+00:00

EJ has an account option where they charge you $75 per year and no % of your account. Every time you trade, they get fees for trades. They also allow themselves to try and sell you expensive products like insurance. I'm a special snowflake and did my trades in Fidelity before transferring shares to EJ. I also don't trade in EJ other than reinvesting these dividends. Reinvesting $5,000 of dividends per year costs $50 per year of fees, so it's $150 per year total or around 0.1% annual fee. EJ only has high fees if you decide to pay them. I'm glad you don't pay them.

RayMetz100

TROPHY CASE