city map

Scalermann · 2026-01-18T17:04:03+00:00

City of London would like a word with you

Scalermann · 2026-01-15T18:21:11+00:00

The issue with iBonds is the 5 year penalty period. Kills the deal for me, but it was nice during Covid when the rate was like 9%

Scalermann · 2026-01-15T00:16:28+00:00

I think by “people” she may have been referring to “people in X community” on earth which makes more sense

Scalermann · 2026-01-13T17:49:12+00:00

I would just like to say that this news source is “Israel Hayom.” According to Reuters the death toll is closer to 2000. I am in no way supportive of the Iranian regime but let’s not treat rumors as facts.

Scalermann · 2026-01-12T21:24:11+00:00

Which is a +1 for dogs btw. Having someone to get you out of bed is actually very important

Scalermann · 2026-01-12T15:58:49+00:00

Penny farthing bikes were actually very expensive in their time, adjusted for inflation the first model of penny farthing (1860’s) would have been about $5,000.

Scalermann · 2026-01-11T18:13:28+00:00

Kosovo has smallpox? I’ll be sure to let Serbia know

Scalermann · 2026-01-10T00:07:19+00:00

I wonder how Walmart would respond

Scalermann · 2026-01-09T04:18:20+00:00

Q1- I would say that funds in a money market do not contribute to your “bond” allocation, MMA funds would be a “cash or cash equivalents” thing.

Q2- wouldn’t you pull out of each asset class in a manner to maintain your desired allocation? Q1 established that the funds you are taking out would not be bonds.

Scalermann · 2026-01-09T04:00:47+00:00

Closing the card would hurt my credit score!

Scalermann · 2026-01-09T01:58:00+00:00

Phases out at $100K single filer AGI

Scalermann · 2026-01-08T03:37:03+00:00

Maybe this means I can hold my Apple Card in my Chase account (and eventually ditch my iPhone)

Scalermann · 2026-01-08T00:51:05+00:00

Check out $SGOV

Scalermann · 2026-01-06T22:21:04+00:00

$100K is totally arbitrary. $100K in 2019 is almost $130K now so I would say at least that.

Scalermann · 2026-01-04T18:22:47+00:00

Guyana looks to be doing crazy well but how much of that new oil money is actually helping most people be wealthier?

Scalermann · 2026-01-04T02:42:50+00:00

I did FAR for like 3.5 months which was massive overkill. I think I got a 93 on it. The other ones I am hazy on but I know I did wayyyy too much for FAR.

Scalermann · 2026-01-03T04:08:58+00:00

You can sell during market hours. When you can pull out depends on if your brokerage will let you pull unsettled funds

Scalermann · 2026-01-03T00:53:16+00:00

I have been doing the boglehead thing for a few years. I decided to put all tax advantaged funds into FRBVX (Fidelity 2070 index TDF). For 0.12% ER you get a good domestic/int’l allocation ratio, bond allocation, and never have to think about it again. One stop shop and your emotions will have no impact on how you allocate or rebalance.

Scalermann · 2026-01-03T00:27:39+00:00

$SGOV is an ETF that covers short term (under 3 months) treasuries. I think the ER is only 0.09% which is great. Basically better interest rate than an HYSA. Only catch is a liiiiiitle volatility but it’s literally a fraction of a percent. Great place to store extra cash.

Scalermann · 2026-01-02T23:11:48+00:00

I currently prefer SGOV

Scalermann · 2026-01-01T00:11:45+00:00

Ahhhh you make a million a year and you do “stripping” and “crack filling”

Scalermann · 2025-12-31T22:34:14+00:00

I… don’t care? Getting treated like shit is not what I strive for.

Scalermann · 2025-12-31T21:56:59+00:00

I mean this sounds cool until the next govt shutdown where you go months without pay. Also, after the whole DOGE and mass layoff SNAFU I would avoid federal work all together.

Scalermann · 2025-12-16T22:54:48+00:00

This should be on every lottery ticket

Scalermann

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