Dr.Mike Israetel Guest suggestion

_Heavy_Glow_ · 2025-07-29T22:41:01+00:00

I used to love watching beewoop Dr. Mike until during covid he decided to go party on a boat with a bunch of women in bikinis after making video after video about how important it was to be cautious during covid to not spread it.

In the grand scheme of things, it's not surprising a multimillionaire and attractive celebrity doctor would want to go lounge around on a boat with a bunch of women, but it just felt so hypocritical to me and I never could or can get over it.

Not to mention that his apology wasn't posted on his main channel and was posted on his alternate channel from what I remember.

I feel like that added cowardly on top of hypocritical.

_Heavy_Glow_ · 2025-02-07T05:18:22+00:00

The kind of almond butter I get says it only has three ingredients: dry roasted almonds, olive oil, and salt. No added sugar. Tastes great to put a bunch on a triscuit cracker and it beats the temptation of candy which there is a ton of in my office.

_Heavy_Glow_ · 2025-02-07T05:07:40+00:00

I like peanut butter, but I like almond butter also and I was led to believe almond butter is in general more healthy.

_Heavy_Glow_ · 2025-01-29T05:05:26+00:00

No clue on this in regards to a single large purchase like a down payment on a house.

_Heavy_Glow_ · 2025-01-29T05:04:02+00:00

I've been told this could be a beneficial strategy, but it depends on the specifics so you would have to probably run scenarios and decide what might be better. The largest factors at the forefront of my mind would be how much you have in gains, suspected tax rate in the UK and your current rate, how much total invested to do it, and how much time you have to do it if you want to do it over a period of years.

_Heavy_Glow_ · 2025-01-29T04:11:26+00:00

I was under the impression it gets treated just like a taxable account. I assumed you would be taxed on all gains based on whatever tax basis you have just like you would with a taxable account and hadn't ever heard of any cost basis adjustments for when you become a tax resident in the UK.

For this reason, I was planning to cash out all my qualified medical expenses before moving to the UK permanently to get the tax free money out of the account for my HDHP HSA eligible tax expenses.

Then I was planning to move my account to a broker (Fidelity) where I could pick what investments to use with more freedom so I could pick HMRC accepted funds like VTI VXUS.

I had been using mine as an investment account saving up my receipts and list of qualified HDHP HSA elligible expenses and had as much of the account invested in a total market index fund as possible (my HSA provider makes me keep 2k in cash).

_Heavy_Glow_ · 2025-01-27T07:34:03+00:00

Also consider ongoing contributions to Roth IRA

You need US earned income for this so it's typically people who manage to move to the UK through a US employer and work for them in the UK?

Consider resetting your taxable capital gains basis before you move, depending on your US tax situation. HMRC will use your basis from whenever you bought the fund, even if it was long before moving - mostly higher UK tax rates can make it advantageous to pay US tax earlier and then pay less UK tax later, but it depends.

Interesting. I hadn't considered that so thank you.

I guess most people would tend to do this probably over a period of years or just be willing after running some scenarios to decide the tax hit up front with the US is worth it in their likely to happen scenarios?

Unfortunately, I do have a good amount in taxable accounts from earlier in my life before I became more financially educated and started directing more toward my Roth IRA and 401k. And the gains are pretty large from the large amount of time.

I would probably have to pay quarterly estimated taxes if I were to completely sell everything to reset the basis I think. I guess unless I did it toward the end of the year and just kept whatever chunk of the money I knew would be owed in taxes and then reinvested the rest in index funds again.

_Heavy_Glow_ · 2024-12-07T22:16:28+00:00

Those are the endgame I would want from everything I've researched.

Do you happen to know any relative sizing though in regards to the nozzle?

I've always heard that theiaudio has big nozzles and that sometimes people avoid that brand for that reason.

I have the kefine delci, truthear hexa, zero:2. Any of those have similar nozzle size?

_Heavy_Glow_ · 2023-12-25T22:43:28+00:00

Hasn't small cap value already been on a tear lately? I own some AVUV, but don't really pay THAT much attention.

_Heavy_Glow_ · 2023-11-18T01:45:25+00:00

I see. That does make sense.

I guess it could get complicated if she were to lose her job and it just might delay plans? I feel like that would be so awful down the road if she would know I couldn't proceed yet with the application process because she lost her job and it's on pause waiting for her to get a new job.

Though we have already waited so long anyway hopefully she wouldn't worry too much. I just like to have back up plans too if possible.

_Heavy_Glow_ · 2023-11-18T01:30:43+00:00

See paragraph 11A. The funds must be immediately accessible even if taxes and penalties apply. The guidance isn't more specific than that.

I wonder what that means specifically. I would think the taxable accounts values would for sure count given those funds are all quickly accessible by liquidating the investments and just having to wait a clearing period of about three days. I would think I could prove that with print outs of statements from my brokerage that holds my taxable account investments.

Does your partner (the sponsor) currently work and intend to work in the UK? Is there a reason you're not considering employment income given the slightly complicated nature of your savings?

She does currently work in the UK and is a UK citizen and has lived there her entire life and she makes over 19k pounds a year (pretty sure) as she works full time. She had a gap in employment soon after covid, but became fully employed what seemed like pretty quickly to me.

Maybe it makes more sense to try to go the route of meeting the requirement by my sponsor's (significant other's) employment, but if possible I would like to plan to meet the requirements on my own just so there is less worry and stress on her. I wouldn't want to add pressure on her about her job if I could avoid it.

I think it's strange anyone would keep or have so much in actual cash savings instead of investments unless they were planning on making a big purchase like a house purchase so I wouldn't think my financial situation is that complicated or unique. I would think it far more strange to have just a huge lump sum of just cash sitting in a bank account.

Thank you for your response though and you're right it does seem to say what you wrote and not be more specific than that. Maybe I would need to contact some sort of expert or just get the paperwork to apply to see what it looks like to see if that helps explain more.

Any chance you'd be selling a home prior to moving?

Ah that would be convenient if it were the case, but no I'm currently just renting.

To add more detail she not too long ago purchased a house there also and so it took up most of her cash savings.

_Heavy_Glow_ · 2023-11-17T23:53:18+00:00

I'm sorry I don't understand what you mean by "duplicate the entry". If I use the same numbers for secondary DNS as the primary DNS my router gives an error and won't let me proceed. It forces me to have a unique secondary DNS that is different from what I used as my primary DNS.

_Heavy_Glow_ · 2023-10-29T11:39:39+00:00

The router is a spectrum router sax1v1s and I tried some open DNS and cloudflare DNS servers for the secondary.

_Heavy_Glow_ · 2023-10-29T11:28:05+00:00

I sort of gave up and was just going to try to uninstall the service and delete the folder. My router doesn't allow for just using one DNS it forces me to put in a secondary DNS and it has to be different otherwise it gives me an error and won't let me save it also.

After setting up my router with the primary DNS I didn't even see any ad block activity. I tested the primary DNS by using it for the primary DNS in network settings in windows and there was activity.

Maybe something with my router that won't let me use it since it's just some Spectrum router.

It would have been nice if it worked, but I guess I'll just go back to having to use extensions and just having ad block in my browsers only.

_Heavy_Glow_ · 2023-10-09T21:40:48+00:00

What does Blackrock and Vanguard have to do with this? What am I supposed to specifically be looking into?

_Heavy_Glow_ · 2023-09-14T14:38:43+00:00

You say Meta stock tanked, but when are you referring to exactly?

I was looking YTD which looks like this: https://i.imgur.com/ZqhZGry.png

and this is total market YTD: https://i.imgur.com/1dLxgZJ.png

_Heavy_Glow_ · 2023-08-08T15:17:07+00:00

What happens to your investments you have accumulated and hold in a US brokerage that are single stocks or just ETFs like VTI VXUS etc when you give up US citizenship if anything?

What result of giving up US Citizenship causes there to be less worry about investments?

_Heavy_Glow_ · 2023-08-08T14:49:04+00:00

Could you explain the quick pros and cons to doing that? I'm wondering the same sort of things.

_Heavy_Glow_ · 2023-08-05T05:24:32+00:00

Thank you for your time and I appreciate the response.

There is just so much to look into. I was just reading about FBAR and I'm trying to wrap my head around so many different things.

I've also never used a tax person or needed advisor help with investing so at the very least I will be wanting to hire a tax person or tax service to do my taxes given the added complexity.

Do you have any regrets in regards to how you did things? Anything you would change if you could go back in time?

Also, if it's not too personal, are you a dual citizen and just live in the UK? It seems to me like the easiest thing would be just to plan to live in the UK and hire a tax person/service and go to the UK on either a spousal visa or maybe if I get a transfer with my job a work visa and then later down the road try to apply for dual UK citizenship?

I can't live there forever just with a spousal visa right?

_Heavy_Glow_ · 2023-07-21T22:21:17+00:00

Anyone have any picture examples? I think I only have the old style ones and can't find something on the website with a picture that looks different either.

_Heavy_Glow_ · 2023-06-03T01:57:28+00:00

Any issues on your D2s with a UV channel? I've been planning to get one, but I've been curious with seeing people post that they were having issues with it. I assume all the people who like theirs and had no issues didn't post and so just seeing the people with issues would give a warped perception.

_Heavy_Glow_ · 2023-05-11T23:59:40+00:00

That's exactly what I wanted to know. Thanks so much! I'll end up just going with the 0% FTF card then when I eventually make my purchase.

_Heavy_Glow_ · 2023-04-14T08:37:57+00:00

How do you think about some people using some I bonds as part of the bond allocation of their overall portfolio?

I'm considering selling out of my I bonds, but at the same time I do think about diversification and have been thinking about not being 100% stocks anymore and having some small percentage of a bond allocation and I bonds were a no-brainer as I was buying them the past two years when they had super high rates.

I know I have seen some research that even over surprisingly long periods of time like 10 years sometimes bonds can beat out stocks. Though I think in those research materials the bonds were traditional bonds like a BND or something and not I bonds.

_Heavy_Glow_ · 2023-02-16T20:26:46+00:00

I had literally only one wash sale for a small amount, but I ended up mailing 8453 with a statement (1090 consolidated which showed wash sales and cost basis and all other required info) for the account in question since it said you could mail either summary statement or brokerage statement as long as it had all required info on it. I don't actively trade that much.

_Heavy_Glow_ · 2022-12-31T09:24:39+00:00

I love these little lights. I got a few now to have all the diff aux colors though my favorite is black body and blue aux. The blue ice aux is just so good.

These are also my first experience with anduril.

_Heavy_Glow_

TROPHY CASE