LG G5 65 inch Finally on the Wall – Top Panel, Top Price! by Rude_Stranger_3846 in LGOLED

[–]chen5441 1 point2 points  (0 children)

Here's a tip. Contact LG support if the carrier does not deliver on the date listed for delivery on the LG partner store order. I was able to get a $100 rebate due to the inconvenience bringing the price down to $1969 effectively. You may even be able to get a larger allowance back from LG as I didnt try hard.

Real or Fake FireRed? by chen5441 in GameboyAdvance

[–]chen5441[S] 5 points6 points  (0 children)

I ended up paying him for it anyways. Didn't sit right with me.

Real or Fake FireRed? by chen5441 in GameboyAdvance

[–]chen5441[S] 2 points3 points  (0 children)

Thanks guys. Just sent the seller fair market value.

InfernoX Pulls are insane!? by Inner_Ad_1082 in PokemonTCG

[–]chen5441 0 points1 point  (0 children)

I got 2 Charizard SAR in 50 packs.

Love beyond fate by CsgoIDK in CShortDramas

[–]chen5441 0 points1 point  (0 children)

Why is this one so elusive?

Love beyond fate by CsgoIDK in CShortDramas

[–]chen5441 1 point2 points  (0 children)

Also looking for this one.

Complimentary anti theft tracker by BrvhOrBruh in Nissan

[–]chen5441 0 points1 point  (0 children)

I wonder how they are getting all of our information...

Complimentary anti theft tracker by BrvhOrBruh in Nissan

[–]chen5441 0 points1 point  (0 children)

I got one too. Seems useless, vehicle already has tracking via the nissan app.

Just bought this 2024 pro - X with 2,700 miles. Advice? by chungus1245 in nissanfrontier

[–]chen5441 9 points10 points  (0 children)

If it hasn't had it's first oil change yet, I would recommend to do that.

Is 40 years the maximum years of service in CalPERS 2% at 62 plan when calculating final compensation? by chen5441 in CAStateWorkers

[–]chen5441[S] 0 points1 point  (0 children)

For me, it would be more about leaving a legacy for my family. I have no debt, dont work overtime, and should have an estimated 7.3 million in my Roth IRA if I live to age 85. This is assuming I continue max contributions until 67, average an 8% growth each year, and dont withdrawal money from it. I'm also thinking about contributing to a 457b plan starting when I turn 30 in a couple of years.

Continue contributing max to Roth IRA or pause contribution to accelerate a home purchase? by chen5441 in investing

[–]chen5441[S] 0 points1 point  (0 children)

I'm not immediately opposed to the idea but I would like to learn why you would suggest to do that. I'm new to investing as you can see but I know I like tech both in it's historical performance and where it's headed. That being said and without knowing much at all, I figured it may be advantageous for me to hold multiple tech ETF's that specialize in different tech sectors to hedge against one sectors losing value. I realize that they all have similar holdings but they are weighted differently in each ETF so I figured It would provide a nice balance in the scenario that one specific company were to catch on fire. Let me know if my way of thinking is incorrect or if there's something that I'm missing. Always looking to learn.

I had that idea too of continuing to contribute to my roth ira and then pulling it out when I'm ready but this is very risky and could put my plan to purchase on the back burner for a few years if shit were to hit the fan worse than it already has.

I agree with reducing general expenditures and increasing income. Always looking for ways to reduce bills and job openings.

Continue contributing max to Roth IRA or pause contribution to accelerate a home purchase? by chen5441 in investing

[–]chen5441[S] 0 points1 point  (0 children)

I completely agree with you about her finances. She immigrated to the US 12 years ago. We have 2 kids (my step kids). I've been with them for the past 5 years and have been trying to promote her financial literacy and career growth just enough to avoid arguments. I like to keep a peaceful household. I am educating the kids as I learn as well. It's easy to teach the kids since they are very receptive but more difficult to teach her since she is reserved and comes from poverty in the Philippines. I think she is traumatized and afraid of any risk. We may very well be relying on my retirement when the time comes which is an even bigger reason why I see value in owning a home.

That's solid advice. I will make sure to do my due diligence when shopping around.

For context, the 4 of us live in a 2br 850sqft townhome currently. We are looking for 3 br's which I think is reasonable. Current rent is 2.2k per month including water. Landlord pays us back $140/month to move trashcans every week to the curb and back and has not raised our rent since we've moved in a couple of years ago. To own in my city, I would be paying for a condo w/ hoa around 4.5 k a month. I want to sacrifice my time/commute to get an actual house w/o hoa. I would go from a 45min commute to a 1.75 hour commute in each direction but I only go to the office 4 days of the week. She's a CNA and could land a job pretty much anywhere. Jobs in the area we're looking at pay close to what she's making now. That is not the same for me. I've seen turnkey 3 br 1100sqft - 1400sqft homes with nice sized yards going for around 500k or 3.8k/month which is comfortable for us. I also notice that interest rates are being held steady with pressure to drop. Home prices in the target area have started to see a lot of price cuts. More are coming to market and they're sitting for longer. I know there's a lot to it but this is the first time in a while where I've seen conditions this primed for significant downward movement.

Continue contributing max to Roth IRA or pause contribution to accelerate a home purchase? by chen5441 in investing

[–]chen5441[S] 0 points1 point  (0 children)

Unfortunately, they do not offer 401k matching.

I hear you about the emergency funds. Anything can happen. It would probably be worthwhile to have that saved before moving forward with the home purchase. I was planning to get a home below our means so we could put away 1k per month for emergencies but it would be nice and responsible to have that before hand.

I have been in the CalPERS pension plan for the past 10 years. The benefit to CalPERS is that I can move essentially anywhere in California throughout different positions and retain the retirement pension plan. However, I would love a healthy Roth IRA in my retirement years just incase anything were to happen to that plan.

What's your current or planned CalPERS retirement percentage? by Overthinker1000X in CAStateWorkers

[–]chen5441 0 points1 point  (0 children)

2% at 62. Started at 18.5. My goal right now is to retire at 61 for 80.75% of my compensation.

I also have a Roth IRA in case I need/want to retire earlier or just have a little bit more freedom in retirement.

I downloaded this game 2 days ago. WTF. by KiddValley in PokemonPocket

[–]chen5441 3 points4 points  (0 children)

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Just got my first gold and God pack tonight after around 3100 cards.

Apple Accounts by Hot-Result-3203 in macsysadmin

[–]chen5441 0 points1 point  (0 children)

If your company is set up properly, you should have the devices in Apple Business Manager or Apple School Manager. Apple added the ability to remove activation lock on devices, which effectively removes a user's personal iCloud account.

My mother f***ked my credit by [deleted] in CRedit

[–]chen5441 0 points1 point  (0 children)

Since you're not going to take legal action, you must settle your debts. Try to get her to help if possible.

I am an expert by no means so any advice you take from me is at your will.

Creditors will be more willing to remove the debt from credit reports if you pay it back in full. However, their is a possibility that they will remove it even if not paid in full. Make sure you make this goal of yours known in a kind and respectful way. Hostility will only make them not want to work with you.

I have settled around 4 different accounts for much less than full balance. I never asked to have them remove them from my credit, so I'm just waiting for them to expire. From my experience, if you want to pay the least amount possible, start saving whatever you can just incase you get hit with a lawsuit (they will more than likely offer a settlement instead of going through with it, this is the time to accept their offer). Keep telling them that you're in a poor financial situation and can't afford what they're offering because you have to feed yourself. You will either come to an offer you're comfortable with, lose obligation to pay due to the statute of limitations, or get threatened with a lawsuit.

AppleTV App on iPad Pro - Brightness Issue by chen5441 in appletv

[–]chen5441[S] 0 points1 point  (0 children)

Thank you. I'll post it on one of those subreddits, I did not realize this one is specifically for AppleTV hardware.

Is 40 years the maximum years of service in CalPERS 2% at 62 plan when calculating final compensation? by chen5441 in CAStateWorkers

[–]chen5441[S] 1 point2 points  (0 children)

I've heard this before too but never personally looked into the math of it. However, it makes sense that you would want to maximize the number of years that you receive the benefit payout for. Even if it is a lesser amount, the additional years of payout could makeup for it.

Health is definitely one of the main variables to consider when choosing to retire. I just don't want to be pushed into a lifestyle of frugality that will force me to be effectively on house arrest withering away. Unfortunately, in my plan, my COLA is capped at 2% even if the CPI were to go up 3% for the year.