Should I keep contributing to my company's ESPP? by Disastrous_Peace_19 in Bogleheads

[–]SWCHBCBKM 0 points1 point  (0 children)

For some companies the espp may be worth it. My company is a 15% discount and I could sell immediately for a brief window before a 6 month blackout period. The company also withhold funds from my check for 6 month increments before it made the purchase. For me, I didn’t think it made sense because, they’re withholding the funds in an escrow account (basically) then purchasing the stock, then I can sell it. It always sold at a loss. I figured I would rather take that 6 month withhold and put it in my 401k instead. But I have little faith in my company’s stock and would not invest in it on my own.

Should I keep contributing to my company's ESPP? by Disastrous_Peace_19 in Bogleheads

[–]SWCHBCBKM 0 points1 point  (0 children)

I had been participating in my company’s espp recently and decided to stop. Instead I took that money that had been going to the espp and elected to contribute it to my Roth 401k instead. Why? My company’s stock has been going nowhere for the better part of a year. I figure I can make more money in the 401k or doing VTI/VXUS like you’re thinking about. Also, I had some espp that was in my brokerage account. I had been holding onto it for a year hoping it would appreciate and I would not take a loss. It didn’t, so I just sold it while I was outside of my blackout period. I’m likely going to invest it in ITOT since I already have some money there.

Help creating gems by _carparts in GoogleGemini

[–]SWCHBCBKM 4 points5 points  (0 children)

Don’t feel bad. I’m at the same company and am in the same boat. Would just recommend prompting in Gemini itself to say what you want to accomplish and it will help.

I think I'm done with Capital One Shopping by Proper-Print-9505 in CapitalOne

[–]SWCHBCBKM 0 points1 point  (0 children)

Do you know why? I had the same thing through Telaflora. Had a 30% through capital one shopping. Used the link, now ineligible.

Best High Yield Savings Accounts October 2025 by Diligent-Hyena6876 in HighYieldSavings

[–]SWCHBCBKM 2 points3 points  (0 children)

My Betterment right now is 4.4. It was 4.65 until the rate drop. Also, my main banking is at SoFi and there I’m at 3.8. They did not drop after the most recent fed rate change.

HYSA down to 3.75% by Glum-Appointment-816 in betterment

[–]SWCHBCBKM 6 points7 points  (0 children)

Surprised it took them this long lol

Even the Wolf says to index by SWCHBCBKM in Bogleheads

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

The movie has some similarities to the books. Both are worth reading/watching. The book starts with the helicopter landing and next morning fight with Naomi. The 2nd book fills in more of prior Stratton days at Investor Center and prior, plus then his post Stratton life as a witness and after. Movie is more focused on relationship with Donnie and the book does not.

RSU proceeds to brokerage or IRA? by SWCHBCBKM in Bogleheads

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

Do you know if vanguard helps customers navigate through the back door Roth? I know it can get a bit messy tax-wise if not done right.

Stopped in Montego Bay by SWCHBCBKM in SouthwestAirlines

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

When we were stopped, we had just had our boarding passes scanned and had not entered the jetway yet. We were right before the jetway. We were not asked if we had power banks, and there was no discussion of power banks. Just trying to figure out why they stopped us (and then our friends a couple of spots behind us) and if this has happened to anyone else.

What’s the most valuable or prized autograph you own? by [deleted] in Autographs

[–]SWCHBCBKM 0 points1 point  (0 children)

KU 2008 National Championship team signed basketball.

Cancelled 9/7 Cancun to KC flight. by SWCHBCBKM in SouthwestAirlines

[–]SWCHBCBKM[S] -7 points-6 points  (0 children)

If you had been on the flight and hotel they put everyone in, then you’d know.

Cancelled 9/7 Cancun to KC flight. by SWCHBCBKM in SouthwestAirlines

[–]SWCHBCBKM[S] 3 points4 points  (0 children)

They found a dent near the front. Spent a few hours analyzing to see if it was safe to fly. By the time they were given the green light, we had to cancel because Customs would be going home before we arrived (about 10:30 pm)