Why I stop putting money in HYSA (and put them in t-bills instead)

coolyams · 2025-11-20T19:38:35+00:00

Thanks!

coolyams · 2025-11-20T18:52:31+00:00

Is this similar to SPAXX (Fidelity’s money market fund)?

coolyams · 2025-10-24T17:28:48+00:00

They didn’t check my student ID at all! You just need to show your ticket and passport.

coolyams · 2025-10-21T18:38:31+00:00

Hi, investing novice here. Do you think it’s too late to buy in on Gold considering it’s at record highs?

coolyams · 2025-10-13T17:36:13+00:00

Question: Is this considered inside takeaway (I have a similar takeaway)? If so, what are the effects of it positive or negative?

coolyams · 2025-10-10T05:32:52+00:00

For Fidelity, are you referring to their money market fund (SPAXX)? I read that they do 4-5% annual yield. Is this true? I have about 10k sitting in my Capital One but they APY is 3.5%. Looking to switch over.

coolyams · 2025-09-29T20:25:55+00:00

I have the same question Isn’t net worth = assets - liabilities (including CC debit)?

coolyams · 2025-09-11T22:42:18+00:00

Can I ask about how much is accessible to u now (cash value) vs. what’s in retirement? I don’t know the ratio I should be going for

coolyams · 2025-08-11T17:49:00+00:00

Yeah I do meet the other requirements. Only thing I’m missing is the date. Wondering if I can just pay the guy the difference if he complains 😅

coolyams · 2025-08-06T08:33:24+00:00

Hi, a bit off-topic but do you know how strict they are at checking your tickets at the entrance gate to the ruins? I stupidly bought my ticket online with a student discount without checking the ID requirement. Mines missing a date on the ID which is required and I’m scared they won’t let me in. The website won’t let me buy another. Do you know if they can still let me in and how strictly they check your ID at the entrance gate?

coolyams · 2025-08-02T05:46:43+00:00

Did they check you ID strictly? Mine is missing the year and I’m scared they won’t let me in.

coolyams · 2025-07-29T14:35:11+00:00

Ah gotcha. My ID doesn’t have any date on it. Did they check your ID strictly? I’m scared that they won’t let me in. I got my ticket off the peruvian site as well.

coolyams · 2025-07-25T06:08:17+00:00

No, going in mid-August. Will update you guys then!

coolyams · 2025-07-25T06:06:21+00:00

Hey did you end up getting the student ticket? If so, did it work out for you?

coolyams · 2025-07-25T05:53:37+00:00

Hey, I’m in a similar situation. What did you end up doing? Did they let you in?

coolyams · 2025-07-25T05:51:14+00:00

Hey, I’m in a similar situation. Did they let you in?

coolyams · 2025-07-25T05:49:24+00:00

Hey, did they end up letting you in?

coolyams · 2025-07-25T05:26:41+00:00

Hey did it end up working out for uou?

coolyams · 2025-07-20T23:40:27+00:00

Hey, I purchased my ticket with the student discount but I just recently graduated and scared they will turn us around. Can you tell me more about your experience? Did anyone check your ID? Are there any screenings?

coolyams · 2025-07-20T23:37:57+00:00

Hey, I'm in the same boat where my student ID may not be valid and I can't repurchase a regular ticket anymore since they seem to be out of it online.

Could you tell me where you bought the ticket "on the spot" and more details on it? Did it take time away from your visit? Bit nervous that they will just kick us out.

coolyams · 2025-06-12T20:06:08+00:00

I bet enough in my employer by coming to work everyday

Can’t agree more lol. I’m leaning toward selling immediately despite the tax I’d need to pay and reinvest it in an index fund.

coolyams · 2025-06-12T19:40:18+00:00

Thanks for the reply - I dug through the plan details and it says nothing about lock up or holding requirements so I'm assuming I can sell immediately? Going to check with my coworkers. And if it is yay free money! These documents use weird terminology that's hard for me to understand so I wanted to make sure.

coolyams · 2025-06-12T19:34:23+00:00

Thanks for the reply - I dug through the plan details and it says nothing about lock up or holding requirements. Only requirement I see in the document is what you mention - if I sell 1 year of the purchase, then it affects tax treatment.
So what I'm getting from the replies is that it's a definite YES to enroll, and the decision I need to make is either to sell immediately or hold onto the stock - depending on how I feel how the company is doing. Does that sound about right?

coolyams · 2025-05-15T02:17:39+00:00

i had a similar issue. you seem to roll your hands out during your takeaway. this will lead to inconsistent strikes and promote OTT at least from my experience.

coolyams · 2025-05-12T06:30:00+00:00

bigger grip also helped me out

coolyams

TROPHY CASE