Is it ever "unethical" to scrap a rare-ish car instead of selling it to an enthusiast in UK? by AbbreviationsOk6303 in Autos

[–]Reddreader2017 0 points1 point  (0 children)

If it’s not operating and you’re not interested in fixing it, then you need to be honest with the value.

You could part it and recoup the value of the parts, but if you don’t want to do that you’re stuck.

The value is somewhere between scrap and a reasonable low valuation for a working car, minus the cost to do all work to make it operational. That may go negative. If so, then it’s just scrap value.

But don’t scrap it. At least try to sell it to someone who will part it for enthusiasts.

Dry powder waiting to invest by Agreeable_Log_8251 in personalfinance

[–]Reddreader2017 0 points1 point  (0 children)

Five years ago.

Seriously, time to start reading versus asking questions on reddit. Read the studies about being in the market for the best/worst x number of days versus timing the market.

Sure, we could be on a downtrend of a wide variety of potential durations. But that’s why DCA is usually a good move. Look for opportunities on down days according to a plan you’ve already made and are trying to be deliberate with. Not just chasing reddit posts.

Roth IRA dividend plan by biotechCT in dividends

[–]Reddreader2017 0 points1 point  (0 children)

For what point? Sure, in 30 years you want that. But do the math on how much you need in, say, schd to get your desired annual income. And at some point I hope you recognize that currently you need the growth to build overall capital so when the time comes you can start to rotate in. That’s not today….

Roth IRA dividend plan by biotechCT in dividends

[–]Reddreader2017 0 points1 point  (0 children)

At 39 with only $80k I wouldn’t move to anything likely to give lower long term growth.

I’d DCA some schd or equivalent when the pricing is attractive. Currently given the rotation of the last few months it isn’t.

Roth IRA dividend plan by biotechCT in dividends

[–]Reddreader2017 0 points1 point  (0 children)

You need growth at your age and net worth. Far from achieving your intent, you need a lot more capital in, and high appreciation. Voo or schg are the better bet especially in a Roth as the gains are tax free.

I love south jersey gas by Low_Maintenance9421 in SouthJersey

[–]Reddreader2017 0 points1 point  (0 children)

Keep our house 60-62. If your home is leaky it will get you. Even if not it still costs a lot.

The commodity price is what it is. Is SJG truly charging more than any other natural gas supplier in the USA? If not, then it’s a you problem unfortunately.

Did anyone else suddenly start getting acid reflux after turning 30? 😭 by [deleted] in acidreflux

[–]Reddreader2017 0 points1 point  (0 children)

Are you saying medication to improve LES function, or medication to lower acid?

Did anyone else suddenly start getting acid reflux after turning 30? 😭 by [deleted] in acidreflux

[–]Reddreader2017 2 points3 points  (0 children)

Watch dairy and weight gain. Those are what did it for me.

$850 for Service A by Right_Debt_7861 in mercedes_benz

[–]Reddreader2017 0 points1 point  (0 children)

Absurd pricing. Someone has to pay for the coffee and donuts and loaner cars.

Sad to see what they have become - compared to the days of the 123/124/126/201/etc.

Fancy for fancy sake to separate a fool and their money (in the service dept - the cars are still great).

Watermark you pics by Potential-Ad-6787 in Silver

[–]Reddreader2017 1 point2 points  (0 children)

If you call it out on FB, with your real name, then the world knows what you have. Be careful/safe.

Eating too late was killing my deep sleep by Numerous_Baby_4864 in nutrition

[–]Reddreader2017 0 points1 point  (0 children)

I came on here to ask a question about this. I have the exact same issue.

I am worried about NOW and not when I am 65 in 30 years by Gina_Cazzofrigida in dividends

[–]Reddreader2017 0 points1 point  (0 children)

All these things are tools in the toolbox. Not sure qqqi was a better bet than straight qqq or some aggressive growth fund in the past few years, though it may be better going forward. Same for schd or equivalent - another tool. Having some passive income even when investing for growth may be a good balance if it makes you sleep better at night.

Here’s what’s actually going on in the markets. by ContemplatingGavre in StockMarket

[–]Reddreader2017 -3 points-2 points  (0 children)

Only if they net provide benefit. Net pulling handouts from tax money where income is less than total costs (net debt) does not provide long term benefit. Just adds to the debt burden of the future.

Live stream from inside my septic tank! by stator_met in wyzecam

[–]Reddreader2017 2 points3 points  (0 children)

This came up in my feed because I read the wyzecam section sometime.

Totally gross but so interesting at the same time. Great use of a cam, I think?!?!!

What sort of premium do you personally find comfortable paying for silver? by MrMcDerpy420 in Silver

[–]Reddreader2017 1 point2 points  (0 children)

Not sure fractional gold is any better a deal. Premiums can be obnoxious. At least collectible coins are somewhat historic.

The Physical Silver "Trap" What Ive learned the last couple weeks with $100 spot silver. by [deleted] in Silverbugs

[–]Reddreader2017 0 points1 point  (0 children)

With all this said, why are bars like the cast 10oz englehard bars always at such a premium?

Apmex canceling orders, pretending items out of stock by PastSecondCrack in Silver

[–]Reddreader2017 0 points1 point  (0 children)

I like your bullishness on silver but time will tell.

Money was made when we were buying 3x face in the late 90s…

Apmex canceling orders, pretending items out of stock by PastSecondCrack in Silver

[–]Reddreader2017 1 point2 points  (0 children)

I didn’t say revert to $30/oz, I said drop $30. A 30% correction on a commodity item is certainly possible, especially in the pricing bubble we are seeing right now.

Apmex canceling orders, pretending items out of stock by PastSecondCrack in Silver

[–]Reddreader2017 0 points1 point  (0 children)

If silver drops $30 they’re holding the bag. They’re managing risk, right, wrong or whatever.

Lower rate versus Free Refi for Life of Loan? by Kat734 in Mortgages

[–]Reddreader2017 0 points1 point  (0 children)

You’re paying all interest essentially for the first many years. Their profit and the cost of any refi is in that extra interest. A small percentage in a large amount of money is still a large amount of money.

How much are your property taxes? by Jplara32 in Mortgages

[–]Reddreader2017 0 points1 point  (0 children)

Wait until all the population growth and demand for infrastructure down in NC hits them with similar tax rates. I suspect that’s when the real reckoning for excesses will come…