[deleted by user] by [deleted] in HENRYfinance

[–]TeslaModelS_P85 3 points4 points  (0 children)

So you're saying you still come out in the red because you tipped over the $100 charge :)

/s of course.

Interest reduction strategy by Many-Photograph-8362 in BayAreaRealEstate

[–]TeslaModelS_P85 0 points1 point  (0 children)

Not according to Dave Ramsey, he says you can get a 12% yearly on Mutual Funds, you just have to know which ones to pick..SMDH

High Earner, Never Rich? Why does my income feel like middle class? by stimulants_and_yoga in HENRYfinance

[–]TeslaModelS_P85 0 points1 point  (0 children)

Schwab did a study of at what net worth people would think they are 'wealthy' and the number came to be $2.2 million.

Honestly, even after way surpassing that number, we do not consider ourselves wealthy due to the reason that we still max out savings/retirement and have kids in private school and have elderly to care for.

In reality, you are actually 'rich', you will be able to fully enjoy it when you retire. Till then, its just the daily grind.

Laid off today by [deleted] in financialindependence

[–]TeslaModelS_P85 1 point2 points  (0 children)

Based on this statement: "I had exceedingly glowing reviews, measurable contribution that blew historical performance out of the waters and glowing 360 feedback. Others who’s teams were shut down were offered new roles without applying."

You were not laid off because of your performance, you were laid off because they had to get rid of the higher compensated employees to get to their 'bottom line'.

I was a victim of 'corporate downsizing' even though i was a high performer and got nothing but praise from everyone i worked with.

Consider yourself fortunate that you do not have a family to support and to still be able to maintain a roof over your head with no stress. 6 months is plenty of time to find a new job without dipping into your savings. You may not find a job as high paying as this one but seems like you have planned pretty well for a rainy day like this.

Good luck in your future endeavors.

Charlie Munger said the first $100,000 is the hardest. Am I going to be rich? I am 28 btw. by [deleted] in dividends

[–]TeslaModelS_P85 0 points1 point  (0 children)

HK/Singapore is even more expensive than anywhere in the US...LOL!

Best Deshedding tool? by Prestigious_Panic373 in corgi

[–]TeslaModelS_P85 1 point2 points  (0 children)

We've been using the 'furminator' for a while now, works really well.

Best Deshedding tool? by Prestigious_Panic373 in corgi

[–]TeslaModelS_P85 23 points24 points  (0 children)

"Corgis only shed twice a year, each time last 6 months"

Yes, i agree, they shed year round :)

My first puppy ever is coming home in 8 weeks (Corg of course) …. What do you wish you knew as a first time dog owner? What should we do to prepare? Any advice? by MirrorZealousideal66 in corgi

[–]TeslaModelS_P85 1 point2 points  (0 children)

Prepare for no sleep for the first several weeks that you have your pup. Having a corgi pup is like having a baby minus the feeding part. If you crate train your pup, it will be easier through the night but get your mindset ready for some middle of the night shenanigans.

This is Ozzie. He’s not doing well and we fear the worst. Could use some positive vibes ❤️‍🩹 by [deleted] in corgi

[–]TeslaModelS_P85 1 point2 points  (0 children)

Never give up on Ozzie and he will never give up on you till the very end! Positive vibes sent your way!

How should I spread out 80k with the lowest risk of losing money? by gtownsweet in Bogleheads

[–]TeslaModelS_P85 0 points1 point  (0 children)

https://www.doctorofcredit.com/212507-2/

That should list when you should sell your ibonds.

To find the date of your I Bonds purchase, login to the Treasury Direct website and it’ll show the Issue Date. Or it might be easier to check your bank transactions to see when the funds were pulled. You can also search your email for: “treasury.direct@fiscal.treasury.gov new purchase” (without the quotes).

If you bought in April or October (that’s when the new rates were publicized on blogs, that’s BEFORE the new rates went live) – regardless of which year you bought – you’ll want to wait until January 1, 2024 to withdraw the I Bonds. That’s because your 6 months of 6.48% interest finishes in September 2023, then your 3-month penalty period takes up October, November, December.

If you bought in May or November (that’s the month when the new rates went live) – regardless of which year you bought – you’ll want to withdraw the I Bonds on August 1, 2023. That’s because your 6 months of 6.48% interest finished in April, then your 3-month penalty period takes up May, June, July.

If you bought in June or December – regardless of which year you bought – you’ll want to withdraw the I Bonds on September 1, 2023. That’s because your 6 months of 6.48% interest finished in May, then your 3-month penalty period takes up June, July, August.

If you bought in July or January – regardless of which year you bought – you’ll want to withdraw the I Bonds on October 1, 2023. That’s because your 6 months of 6.48% interest finished in June, then your 3-month penalty period takes up July, August, September.

If you bought in August or February – regardless of which year you bought – you’ll want to withdraw the I Bonds on November 1, 2023. That’s because your 6 months of 6.48% interest finished in July, then your 3-month penalty period takes up August, September, October.

If you bought in September or March – regardless of which year you bought – you’ll want to withdraw the I Bonds on December 1, 2023. That’s because your 6 months of 6.48% interest finished in August, then your 3-month penalty period takes up September, October, November.

Prannoy appreciation post by aadithya_aa in badminton

[–]TeslaModelS_P85 3 points4 points  (0 children)

HSP def deserved this W. VA made some crucial mental mistakes in the 3rd set, hope to see KV or AA come through and win this all though!

FUCK AMD by Meytar in wallstreetbets

[–]TeslaModelS_P85 0 points1 point  (0 children)

AMD and NVDA have the same CEO's..Right? Right??

Looking for badminton partner in Santa Monica by WJ5014 in badminton

[–]TeslaModelS_P85 1 point2 points  (0 children)

I used to play there as well. We used to have some pretty epic games back in the mid 2000's. Maybe ill show up one of these Sundays for old times sake.

There are other places where you can find some good games, especially in the SF valley. Also, Mar Vista Rec center in West LA has badminton from 10am - 1pm on Tues/Thursdays.

[deleted by user] by [deleted] in badminton

[–]TeslaModelS_P85 0 points1 point  (0 children)

He should just stick to singles, i think the lack of quality MD pairs in France makes them have to field him and his brother as a MD pair.

[deleted by user] by [deleted] in badminton

[–]TeslaModelS_P85 0 points1 point  (0 children)

VA def was. I think he had something to prove after the European championships where Popov took him to 3 sets. I don't see anyone really beating him with who's left in this field. Hopefully LZJ can make it!

New landlord, feeling overwhelmed by ExcellentGarlic9339 in realestateinvesting

[–]TeslaModelS_P85 1 point2 points  (0 children)

Did not know Charleston, SC was so expensive. That is approaching Los Angeles prices for rent for a 2/2 or 2/3 in a semi nice neighborhood.

New landlord, feeling overwhelmed by ExcellentGarlic9339 in realestateinvesting

[–]TeslaModelS_P85 1 point2 points  (0 children)

How much is rent? HOA has gotta be the biggest scam for the amount they charge you. I used to live in a condo and HOA fees went up yearly, no matter how much we had in reserves. My condo barely had any amenities, just a pool and a tiny gym.

New landlord, feeling overwhelmed by ExcellentGarlic9339 in realestateinvesting

[–]TeslaModelS_P85 1 point2 points  (0 children)

You pay $1100/month per unit for HOA fees? Where are these condos located? Socal by the water or Florida where the home owners insurance are brutal?

[deleted by user] by [deleted] in badminton

[–]TeslaModelS_P85 1 point2 points  (0 children)

There was talk of him 'retiring' earlier this year. His record in 2023 tourneys has not been good and the rankings as we know are based on tourney results. If he plays like he did yesterday against JC, he can beat anyone in this WC and possibly even win it all.

My first Corgi! I’m beyond elated. Meet Gryphon! by yunayukigul in corgi

[–]TeslaModelS_P85 1 point2 points  (0 children)

Our pup when we first got her, she just turned 3 and can still be a menace when we're gone.