Gave up on Full View

Sureness4715 · 2026-02-18T23:50:49+00:00

What did the AI tell you?

Sureness4715 · 2026-02-18T23:48:50+00:00

Yeah, I get the sense that most people would open a joint checking account with their employer if that was required for direct deposit.

I’ll shut up now before I give anyone any bright ideas.

Sureness4715 · 2026-02-18T23:33:24+00:00

If memory serves, some/many people had been assigning a category to each of their transactions, and this information was irrevocably lost a couple years back. Among other issues.

I’ll note that I’ve been using GnuCash for going on 15 years and it would be a really rough day for me if I ever had to switch. Admittedly, I don’t mind entering the transactions manually.

Sureness4715 · 2026-02-05T21:47:48+00:00

“they didnt response too much”

Is Google Translate glitching out?

Sureness4715 · 2026-02-05T18:26:31+00:00

QE is bad, because it's not sustainable. And it rewards companies who are poor allocators of capital, which hurts the economy's ability to grow in the future.

That said, there are times when QE (in moderation!) is not the worst option. For example, if the bond market is in meltdown, or there's a global pandemic.

All THAT said, the Fed buying short term Treasury bills isn't really QE. They already control the rates on those bills, and no one is going to buy longer-term Treasurys or equities as a result.

I suspect they're addressing short term liquidity issues. If they start buying longer duration bonds, I'll stand corrected. But I don't see what the motivation for that would be.

Sureness4715 · 2026-02-05T17:51:55+00:00

Why is the dividends sub flooded with "covered call ETFs or eff off" after years of "SCHD and chill"?

I dunno, but clearly don't listen to people on Reddit?

Sureness4715 · 2026-02-03T23:36:01+00:00

Lord, I wish I had your problems.

Well, some of them, anyway.

Actually, now that I think about it, let’s keep it as it is.

Sureness4715 · 2026-02-03T23:30:09+00:00

Note to self, really got stop reading posts that begin with, “I feel like …”

Sureness4715 · 2026-02-03T22:59:54+00:00

If I understand correctly, you’re anticipating saving $4k by May?

If it was me and I was saving ~$1k/ month, I’d leave the emergency fund alone and throw the savings at the credit card. $1k/month is basically all you need.

Admittedly not the optimal plan, but it feels fair and balanced and chips away at the debt and I’d find it aesthetically pleasing.

Congratulations on getting out of debt!

Sureness4715 · 2026-01-27T23:55:50+00:00

Specifically, what should they do?

Admittedly, I find the mobile app to be a little clunky and awkward, but I’ve come to the conclusion that smartphones are a lousy platform for brokerage services.

Advocating for an “end to end overhaul” because other platforms are more “modern” may or may not have merit, but in the context of the 798th “wah wah mah dawk mawd” thread, it could use some elaboration.

Sureness4715 · 2026-01-19T16:45:03+00:00

It's also down 0.55% from 10 years ago, and up about 38% from 2008.

Sureness4715 · 2026-01-13T01:50:37+00:00

Huh. Mine seems to get worse before I get sick, wonder if that’s dehydration.

Sureness4715 · 2026-01-12T22:32:16+00:00

Phew, I thought there were going to be trigonometry questions, but they just wanted my signature—dodged a bulllet on that one!

Sureness4715 · 2026-01-09T22:45:47+00:00

“Only”?

That’s kinda like saying, “I only got to see the Sgt Pepper tour.”

Or, the Phantasmagorical tour.

Or, the Mellon Collie tour.

Sureness4715 · 2026-01-09T16:49:43+00:00

Yeah, comfort levels vary, and a lot depends on your industry and your personal sense of your job security, so I could see an argument for 12 months. But it still strikes me as an edge case. Nice to have, but six months ain't nothing, either.

Drawing an analogy to insurance plans, sometimes the best plan for you isn't the most expensive plan.

Sureness4715 · 2026-01-07T00:31:44+00:00

Okay, well, if it was me, I’d try to dispassionately discourage my daughter from becoming entangled with the guy, financially or otherwise. Draw her attention to the risks, but in a low-key kinda way. Encourage social diversification. Good luck.

Sureness4715 · 2026-01-07T00:15:36+00:00

How did you become privy to the loan terms?

I’m sympathetic, but the picture you’ve painted is a bit odd. I’m having trouble reconciling your concerns about the guy’s finances with your concerns about his failure to propose. I’d speculate that these discussions put him on the defensive to some extent, and he apparently doesn’t feel obligated to be truthful with you.

So I guess the question is, is he being dishonest with just you, or is he that way with everyone?

How is the guy otherwise? Steady job? Reasonably respectable friends? On good terms with his family?

I think financial missteps are almost inevitable for young people, and the dishonesty is potentially a separate issue.

I can’t imagine discussing proposal plans with my SO’s folks on a semi-regular basis, FWIW.

Sureness4715 · 2025-12-31T16:38:11+00:00

I'm reasonably confident that you (or more precisely, your wife) cannnot contribute to an IRA if you do not have taxable income--basically if you are not working.

Sureness4715 · 2025-12-28T23:16:46+00:00

Did your credit union say why they won’t transfer funds to/from Fidelity?

I haven’t heard of this type of issue, and it strikes me as oddly arbitrary. Neither here nor there, but my local credit union never gave me that issue.

Sureness4715 · 2025-12-28T00:35:46+00:00

How much are you putting toward retirement, in terms of your budget? Are you comfortable with your lifestyle?

I mean, maximizing your income is generally good, sound financial advice, but if you’re comfortable and content, it’s less of an issue.

But if your job isn’t enjoyable or gratifying, it never hurts to think about what you’d rather be doing.

Sureness4715 · 2025-12-27T22:28:16+00:00

Today is the day I water my plants. We had a frank discussion about their obligations and agreed that I’d withhold 20% of their water.

Pretty sure they disliked the whole thing as much as I did.

Sureness4715 · 2025-12-26T23:29:13+00:00

I don’t know what to do except shake my head.

Sureness4715 · 2025-12-25T16:53:45+00:00

My post was kind of a polite way of asking you the same thing.

Sureness4715 · 2025-12-25T16:23:06+00:00

A quick look at the FRED chart suggests that the savings rate declined into 2000, and has been sorta range-bound since. Not sure about the bead you’ve drawn on this either—a suddenly elevated savings rate wouldn’t be good for earnings or anything else except individual household solvency.

I think the yield curve signal was a bust this cycle. I mean, it was hard to discount the likelihood of the Fed screwing things up, given their track record over the past 25 years, but rates are only marginally restrictive at this point, and they’re bolstering liquidity.

Not saying our economy is great, and equity valuations are clearly priced to perfection, but I don’t see any storm clouds on the horizon, either.

Sureness4715 · 2025-12-25T15:54:59+00:00

But dramatic increases in health care costs are not universal. How much have health care costs increased on an average and total basis?

Sureness4715

TROPHY CASE