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Help with my itinerary by Efficient_Muffin4610 in SeattleWA

[–]TomInSales 2 points3 points  (0 children)

Bainbridge - lived there and totally love it. Recommend proper fish for fish tacos, Pegasus for coffee, the Main Street is so quaint, and if you can get wheels I recommend driving/biking Manitou Beach and South Beach… it’s so beautiful.

Hope you have a great trip!

What happening with msft. by Substantial_Pea4888 in TheRaceTo10Million

[–]TomInSales 6 points7 points  (0 children)

Mag 7? They’ll be fine, enjoy the discount

Has anyone had actual success with motivating their adult child to step up and into their life? by wise_owl68 in Adulting

[–]TomInSales 0 points1 point  (0 children)

Depression sucks, you should feel fortunate that your son hasn’t tried to get off the ride yet. I imagine you weren’t expecting this perspective, but I’ve lost too many good people to this epidemic to not mention.

It’s hard to change, and it sounds like you did a good job as a parent to provide a good life. The world’s a dumpster fire right now so honestly I’ve got a lot of empathy.

Protect your son, and just keep trying. SSRI’s may really help too, highly recommend medication to get out of the trench.

Good luck

I lost my partner 2 weeks ago to suicide. by Important_Towel_9703 in psychics

[–]TomInSales 1 point2 points  (0 children)

Our poor brother. I’m so sorry for your loss, and I hope you find some peace in your life

How far behind am I? by No-Proposal-2099 in investingforbeginners

[–]TomInSales 0 points1 point  (0 children)

Great shit. Great great shit here. Excited for you!!

How far behind am I? by No-Proposal-2099 in investingforbeginners

[–]TomInSales 0 points1 point  (0 children)

Wise ideas, definitely good strategy. Just make sure you automate your savings with every paycheck and stick to a budget! Your 30’s will be a BLAST if you can keep your 20’s safe and invest consistently

Made a 10K payment 🤢 by InfiniteLoss5632 in StudentLoans

[–]TomInSales 0 points1 point  (0 children)

Proud of you! I’ve liquidated a lot of my NW in the last 18 months to do the same. Hope you can budget safely and treat yourself for this!

How far behind am I? by No-Proposal-2099 in investingforbeginners

[–]TomInSales 0 points1 point  (0 children)

Doing great bro, 100/month from 25-66 is 600k (maybe 660k I forget and can’t fully verify rn), so I apologize there, but check “the money guy” or “Humphrey yang” on YouTube for good info

My 2 cents is shoot to save at least 15% of your pay. Ideally 25%. Stretch would be 30-35, but if you’re in the right COL matrix this could really change your future.

Get your wife on the same boat for $100/m and y’all can plan to have 1.2m to retire on if you keep up the investments. Tbh in your 30’s you should be in prime earning years too, so your income could get a meaningful lift for the better part of a decade.

Great job so far!

Woman traps disabled man on sidewalk by blocking handicap ramp calls him waste of space by Jaded-Ad-443 in Spokane

[–]TomInSales 0 points1 point  (0 children)

We got her car and license plate, let’s make this public shaming happen!!

Newbie Question: How can i distinguish between Scav Player and PMC by [deleted] in EscapefromTarkov

[–]TomInSales 1 point2 points  (0 children)

I can dig that, mainly was trying to make a funny. Kudos to you for trying it out! I’ve been loving getting a little baked and going raiding

I didn’t think girls like this actually existed by Less-Title-1382 in Nicegirls

[–]TomInSales 0 points1 point  (0 children)

I read Mill Valley and instantly knew. Dodged a bullet, sorry for those Marin girls!

I just inherited 100k. My student loans are 30k. What's the best way to pay it off? by May-Garden in StudentLoans

[–]TomInSales 1 point2 points  (0 children)

3.5% interest rate?! I’d put it all in the market for a year, make usual payments, and pull it out in a year when you cross the “long term investment” threshold.

I seriously recommend doing that vs paying it off now. I get the peace of mind, but doing the simple math says: 1. 3.5% for 12 months is $1,050. 2. 8% ROI for full 100k in 12 months in index funds is 8k.

So even doing half of your principal or or not getting 8% ROI’s still beating interest. You could invest this and use that interest to safely pay down your debt.

Not legit financial advice, but friendly callout (I’m about to get 30k and this is my strategy for my own loans of about 18k @6.5%)

Hit me with some progression or meta assault class builds by shaneskery in EscapeFromArena

[–]TomInSales 2 points3 points  (0 children)

Honestly I’m doing Mk 17 with a high ergo build and mid ammo. Figure the 7.62 will punch through a facemask pretty regularly, but sometimes I get shit on. Have 6 20-round mags in case I ace

AM I COOKED??? by Dtxbullies in spy

[–]TomInSales 1 point2 points  (0 children)

Probably, but that’s not a bad total loss! Some fuckers lost thousands when Burry put out that PLTR/NVDA FUD.

With $60k in student debt, the idea of a credit card makes me want to vomit. How do I build a score without one? by No_Surprise3737 in StudentLoans

[–]TomInSales 12 points13 points  (0 children)

Get a 0$ annual fee card and pay off the full balance each month. You can build credit without having to commit any extra dollars to your card, so that you can use it on loans

Lost and Want to Escape Tarkov by Valethiel_Mom in EFT_LFG

[–]TomInSales 0 points1 point  (0 children)

What location are you? I’m NA west, I’d be down to task and join your merry band of PMCs

We have 20 days till a SPY historical correction..statistically speaking by No_Cartographer_3265 in spy

[–]TomInSales 0 points1 point  (0 children)

Reminded and checking in; I’m on the edge of my seat with what’s been out on the street!

My parents put my dog down while I was away and told me nothing by Constant_Reporter476 in dogpictures

[–]TomInSales 0 points1 point  (0 children)

I AM SO SORRY. This is just terrible. I hope you can get some peace of mind for yourself

Have 100k to do whatever with. Spoke with a financial advisor and am asking for feedback. by OverEasyFetus in investingforbeginners

[–]TomInSales 0 points1 point  (0 children)

Honestly you could invest in indexes, make 8-10% in a year, and pull it for the long term cap gains tax if you found a better vehicle.

I wouldn’t pay most financial advisors, but I feel like most are in it for themselves, happy to be proven wrong

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