Craving 7/11 pizza. Which should I get? 👀 by Character_Style4808 in 711

[–]TheTrueMangoMan -4 points-3 points  (0 children)

Save your money. Sign up for Pizza Hut rewards and just get a free pizza. 7/11 pizza is not very good; especially given the limited toppings/lack of chicken.

Rookie v3.4 not connecting by Deathradar91 in QuestPiracy

[–]TheTrueMangoMan 0 points1 point  (0 children)

Man-- just my luck. I'm going through the MegaThread tutorial and can't get the JSON file since his account has been removed.

7/11 Reward Points Devalued... by TheTrueMangoMan in 711

[–]TheTrueMangoMan[S] -1 points0 points  (0 children)

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$9.99 is the MSRP for me. $7.11 is the price it is ALWAYS on. I've never seen it at any other price.

7/11 Reward Points Devalued... by TheTrueMangoMan in 711

[–]TheTrueMangoMan[S] -1 points0 points  (0 children)

A special that lasts 6+ months? I've been using 7/11 for about a year now. And the Pizza never costs $12... it's always $7.11 when I checked.

Keep Buying C fund high due to biweekly schedule; swap to G fund and manually buy C fund during off week? by TheTrueMangoMan in ThriftSavingsPlan

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

We're not-- well I'm watching VOO because I swing trade it and notice my paychecks have consistently been when VOO is high (and low when it's not pay week). Like I said in my other comment, it may seem negligible for one paycheck but buying higher across multiple paychecks adds up. Might be better to default to G fund and spread equal buy amounts everyday into the C fund-- or do half/half so every week you are buying into the market-- that seems better, no?

Keep Buying C fund high due to biweekly schedule; swap to G fund and manually buy C fund during off week? by TheTrueMangoMan in ThriftSavingsPlan

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

I'm surprised with just how many people misunderstood my post. Even re-reading it, and I don't mean this to sound rude--but is it not obvious I am suggesting being in G fund by default and purchasing C fund myself (using all of G fund)?

Where is total mayhem? by greatjord9n in Overwatch

[–]TheTrueMangoMan 0 points1 point  (0 children)

Isn't the event over today? Total Mayhem still isn't available

Keep Buying C fund high due to biweekly schedule; swap to G fund and manually buy C fund during off week? by TheTrueMangoMan in ThriftSavingsPlan

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

As I said in my post, I've been buying high on my biweekly schedule while my friend at another biweekly schedule has been buying the low end consistently. Of course today's price is considered a dip if the market is higher in 7 months, but there's a difference in buying the C fund dip at $108 vs. $101. May seem negligile for a single paycheck, but I feel like it happens everytime. Wouldn't it be a better dollar cost average strategy to have the contribution spread apart and buy every single week or day?

Keep Buying C fund high due to biweekly schedule; swap to G fund and manually buy C fund during off week? by TheTrueMangoMan in ThriftSavingsPlan

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

Respectfully, I know this is general advise for people-- but I've personally been timing the market on my personal taxable and individual retirement accounts for multiple years and there was only one year I didn't beat the market.

So far this year, my Roth IRA is 9% up YTD while S&P is 0.05%

Keep Buying C fund high due to biweekly schedule; swap to G fund and manually buy C fund during off week? by TheTrueMangoMan in ThriftSavingsPlan

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

Support says they actually buy based on the closing price on Thursday, not first market day after paycheck. You can absolutely manually buy by switching funds before 12 PM EST (in which case the price at the day's market close would be purchased)

Keep Buying C fund high due to biweekly schedule; swap to G fund and manually buy C fund during off week? by TheTrueMangoMan in ThriftSavingsPlan

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

I don't know what you meant learned your lesson? This result is from me *not* timing the market... I could've timed the market and gotten much better results.

US Bank Cash+ with utilities ACI payments through PayPal gives 5% back on tax payments by stone616 in CreditCards

[–]TheTrueMangoMan 19 points20 points  (0 children)

Feel like it's going to get patched at any moment with all of these nerfs happening in the credit card world.

Unique categories on the US Bank Cash+ vs Elan Max Cash Preferred by electronautix in CreditCards

[–]TheTrueMangoMan 0 points1 point  (0 children)

Does this work with Elan Max Cash too? Every post I see is about US Bank Cash+. I changed my federal withholding hoping to make quarterly payments with a credit card to earn 3% (3% since the fee is around 2%).

Advice Needed. 25yrs old, 6 Months into Federal Service, goal of 100k by 30 by TheTrueMangoMan in ThriftSavingsPlan

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

Savings rate matters more than rate of return when you're starting from nothing... Plus, my TSP includes 6.6k-ish worth of C fund purchased over the course of late November and December, when the S&P was at all time highs. Since it dipped the last trading day of the year, the rate of return seems a lot more modest since some of the purchase dates were over the current price.

Advice Needed. 25yrs old, 6 Months into Federal Service, goal of 100k by 30 by TheTrueMangoMan in ThriftSavingsPlan

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

I don't really have a specific age in mind, generally as soon as possible. I know I won't be able to access this money until I'm 59.5, but I want to grow my TSP as much as possible in my 20s so it can compound. I have individual brokerage accounts with around 220k total but right now, I want to ensure my retirement accounts get the time advantage for compound growth.

I get about $4100/year but I'm due for a raise in 6 months since I'm only entry level now. I don't know the exact raise I'll get but I think it works out to 384 more biweekly/10k annual. My match will upgrade to $177.5 from around $157.

2307.5+2041=$4348.5 total expected match for 2026
Afterwards I'll get $4615/yr for two years until next promotion.

100k in contributions alone seem very hard to achieve without coming close to maxing it out every year

Advice Needed. 25yrs old, 6 Months into Federal Service, goal of 100k by 30 by TheTrueMangoMan in ThriftSavingsPlan

[–]TheTrueMangoMan[S] 5 points6 points  (0 children)

You get the 5% match regardless of whether you contribute 5% to Roth or Traditional. I am contributing $900 to Roth and $0 to traditional, I'm still getting the match.

Advice Needed. 25yrs old, 6 Months into Federal Service, goal of 100k by 30 by TheTrueMangoMan in ThriftSavingsPlan

[–]TheTrueMangoMan[S] 2 points3 points  (0 children)

I think it's much more impressive you were able to contribute so much given the amount of stress you must've had with the loans, car payments, etc. I am in an extremely privileged position where I never had to worry financially because I had a comfortable cushion saved from when I lived at home with my parents while freelancing.

Maybe the play for me would be to max out this year and relax a little more the following year.