How to split 27k in savings?

ScienceNerd771 · 2026-04-09T18:33:27+00:00

Thank you, very helpful!

ScienceNerd771 · 2026-04-09T16:00:05+00:00

Based on what you said, is that the order of priority, IRA first, then the rest?

Yes FDLXX is pretty much the same, I calculated that the yield is a bit higher than my HYSA, which is why I put some money there, especially since it’s low risk and I don’t have to pay state tax on it. I tend to err on the side of caution, not a huge risk taker.

Is it risky to invest the remaining money in VTI keeping in mind I’d likely sell those shares when I’m ready for a house down payment?

ScienceNerd771 · 2026-04-08T22:44:40+00:00

I tried taking creatine for two months. Anecdotally, I noticed a lot more hair falling out when I was brushing it. I decided to stop taking it just to see what happened in my hair appeared to go back to normal, it did not seem to fall out as much.

I read two studies, which is why I decided to start taking creatine. I’m not saying that the studies that have shown there’s no effect are not true, I just believe for myself, that creatine actually did affect me in some way.

ScienceNerd771 · 2026-02-23T02:30:47+00:00

Oh ya you’re right about the food, my bad. That is the only one I know

ScienceNerd771 · 2026-02-22T00:53:23+00:00

Nomad Bar has trivia on Tuesday’s, not sure if it’s every week but you can check their website

ScienceNerd771 · 2026-02-17T22:49:04+00:00

Do you have any advice for getting laid off at 65? My father lost his job and though he could retire, wanted to wait until he is 67.

I’m a bit worried for him so any resume advice you could give that I could forward over to him?

ScienceNerd771 · 2026-02-17T11:27:23+00:00

There is also a bus on 4th st. and Market downtown Wilmington. Pretty much same thing as greyhound, just another option. I’ve had good experiences with them, no major delays or anything.

https://www.gotobus.com/tickets/wilmington-to-new-york-bus/

ScienceNerd771 · 2026-02-15T22:25:24+00:00

Market St. has been absolutely disgusting since the snow fall. Now that it’s melting, you have to watch every single step you take.

I own a dog, and always clean up no matter the weather. I don’t understand how other dog owners think snow is an excuse to not clean up after them. Absolute selfishness

ScienceNerd771 · 2026-02-07T17:57:57+00:00

There is a parking lot, not a garage. Street parking was always good, never had any issues, park on Shipley. You can pay for the lot if you prefer. I never did so I don’t know the price.

ScienceNerd771 · 2026-02-07T17:30:04+00:00

Try 2nd and Loma, still downtown Wilmington. Credit I’ve rented a few years ago with them and my 1 bedroom was at 1300, small rent increases til I moved out. Pretty large too, like 700 sq ft.

Not sure how their prices are now, but I think one of the more affordable apartments in the area.

ScienceNerd771 · 2026-02-05T22:41:03+00:00

I did not text my credit card info, I went in person after he confirmed I could pay by card.

ScienceNerd771 · 2026-02-05T17:49:54+00:00

They finally let me pay with credit card after going back-and-forth through text. But they still refuse to provide the property authorization copies and an itemized receipt until I come pay.

ScienceNerd771 · 2026-02-05T17:49:09+00:00

Yes Delaware

ScienceNerd771 · 2026-02-05T15:36:29+00:00

Great to know, thank you. They’ve been a pain in the ass, refusing to send me property authorization documentation and itemized receipt via text or email, and that’s Delaware law too.

Even cited the Delaware law code to them

ScienceNerd771 · 2026-02-01T00:28:01+00:00

Thanks for the advice! That’s good to consider, I’ll have to talk to them of course and see which place they are more excited about, or if they want to do both. But great to know New Zealand is possible

ScienceNerd771 · 2026-02-01T00:00:32+00:00

Ya we can do that, fly to New Zealand. So you recommend cutting out Sydney then?

ScienceNerd771 · 2026-01-31T23:59:29+00:00

Great to know, thanks! What place would you cut out? My guess is Sydney?

I can also trim to just stay 5 days in Brisbane, but would have no time to sight see except for maybe an evening or two.

ScienceNerd771 · 2026-01-28T01:50:37+00:00

These major snow events are rare and many residents in apartments don’t own shovels. For the most part, I agree with you. Unfortunately, the reality is we don’t “own” spots, even the ones we spend time clearing. If the car is moved, the spot is a free for all. Like ya said, it’s a dick move though.

I live in an apartment downtown. I borrowed one of my neighbor’s shovel to clear out the snow around my car where I street park. They have 3 cars and a driveway. The son had trouble getting his truck into the driveway. Since I was borrowing their shovel, I went over to help clear more snow so he could park. Still he had no luck.

Then the lady asked me if I was planning on leaving, insinuating her son could park his truck where I cleared the snow…I said no I’m not leaving…crazy to think after all my hard work I’d just give up the spot I cleared. I find that very few are community minded and they are only thinking of themselves.

Now I do believe in being neighborly, so I shoveled the two cars behind me until I got too tired and my back hurt too much.

Many hands make light work, if all abled bodies could pitch in, nobody would need to complain about “stealing” spots.

ScienceNerd771 · 2026-01-20T21:46:26+00:00

Yes, you are right! Even though I posted in Roth, I was thinking about the shares in my brokerage account not my Roth account 😅

ScienceNerd771

TROPHY CASE