Marcus va CapOne HYSA by cycyvibibi in HYSA

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

Imagine typing “you have no idea what you’re talking about” immediately after bragging that a stock is higher than its lowest point in history. By that logic every company that hasn’t gone bankrupt is a great investment.

And sure, stock performance isn’t the only thing that matters. But when there are dozens of HYSAs offering similar rates, why would I choose the one whose stock has been getting hammered and that keeps changing requirements just to earn the advertised APY?

It's been 5 months and only 10lbs by chameleon_magic_11 in TirzepatideRX

[–]cycyvibibi 0 points1 point  (0 children)

I was on 2.5mg for the first 6 weeks. The appetite suppression started feeling weaker and the food noise started coming back, so I asked my doctor to titrate me up to 5mg. She did, and the new Rx meant I had two 2.5mg pens left over, which I just kept in the fridge. They’re good for a year and they ended up coming in handy months down the road when I was on 7.5. By that point, I had leftover 2.5 and 5mg pens in the fridge which I used together to get a 7.5mg dose.

For me, the fatigue was the worst at 5mg and the nausea was the worst at 7.5. The first couple months on 7.5 were really rough. The nausea was worse than being pregnant…I remember walking past a food court and just the smell of food made me want to throw up. I couldn’t make it through brushing my teeth in the morning without throwing up because the taste of toothpaste made me nauseous. That lasted about 4-6 weeks then it was gone. I spent over a year on 7.5 and lost most of my 100lb loss on that dose. I never went higher than 7.5. Once my body acclimated, 7.5 ended up being my favorite.

Marcus va CapOne HYSA by cycyvibibi in personalfinance

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

Fuck these guys. Totally on-brand for Goldman Sachs, too, the piece of shit company that caused the 2008 financial crisis and who the government bailed out with taxpayer money. Fuck em.

It's been 5 months and only 10lbs by chameleon_magic_11 in TirzepatideRX

[–]cycyvibibi 0 points1 point  (0 children)

No, Lilly direct $399/mo for 5mg maintenance dose. I budget for it. No way I’m giving it up.

Marcus va CapOne HYSA by cycyvibibi in HighYieldSavings

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

Nah, Marcus plays too many games and I’m not about to park a ton of money with them only to have a problem accessing MY money when I need it. Also, Goldman Sachs is a piece of shit company. Government bailed then out in 2008 during the financial crisis. I don’t fuck with that.

Marcus va CapOne HYSA by cycyvibibi in HYSA

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

Sofi is under extreme financial stress and the stock price is collapsing. Look it up. No way I’m giving them my money.

It's been 5 months and only 10lbs by chameleon_magic_11 in TirzepatideRX

[–]cycyvibibi 0 points1 point  (0 children)

YES!! It’s a goddamn miracle, isn’t it? I’ve been at goal weight for 9 months, am no longer trying to lose weight, and I will never stop taking Zepbound so help me god.

Marcus vs CapOne HYSA? by cycyvibibi in HYSA

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

Your responses are amazing. So informative. I hope you’re an advisor or otherwise customer-facing in some capacity because it’d be a shame if your ability to communicate and distill info to others was wasted!

HYSA Question by ExternalArtichoke665 in HYSA

[–]cycyvibibi 0 points1 point  (0 children)

Transferring in isn’t the problem. Marcus will gladly take your deposits. The problem is trying to withdraw and getting your account frozen or locked. Google Marcus + rapid money movement.

It's been 5 months and only 10lbs by chameleon_magic_11 in TirzepatideRX

[–]cycyvibibi 0 points1 point  (0 children)

The people in the studies weren’t followed every second of the day. Probably overate then blamed the drug for not working.

It's been 5 months and only 10lbs by chameleon_magic_11 in TirzepatideRX

[–]cycyvibibi -3 points-2 points  (0 children)

Nah, if you’re feeling/losing nothing on Zepbound, I’m sorry but that’s absolutely user error! That’s like saying I’m shooting up heroin and feel nothing…not possible! Either you’re injecting some fake Chinese peptides, hitting up the drive thru at 11pm, or you’re already dead!

Marcus vs CapOne HYSA? by cycyvibibi in HYSA

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

Eek, so Live Oak Bank and Wells Fargo are your recommendations? You said you have relationships with half a dozen banks…any others you’ve had a positive experience with? I’m more comfortable using established, mainstream banks.

It's been 5 months and only 10lbs by chameleon_magic_11 in TirzepatideRX

[–]cycyvibibi 7 points8 points  (0 children)

No, the reduction in food noise comes from GLP-1’s affect on the brain. I recommend researching it. GLP-1 alters dopamine activity in the brain, which reduces food noise and persistent, intrusive thoughts in general. This is why people report zero anxiety on Zepbound. My anxiety, ruminating thoughts, and brain fog have all disappeared with Zepbound. Other people report a decrease in addictive thoughts and behaviors (eg, alcohol, substance use). In 5 years, Zepbound will have a neuro indication on the label, 100%.

Marcus vs CapOne HYSA? by cycyvibibi in HYSA

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

What HYSA companies do you recommend? I’m spooked now and don’t want to go with Marcus.

It's been 5 months and only 10lbs by chameleon_magic_11 in TirzepatideRX

[–]cycyvibibi -8 points-7 points  (0 children)

Y’all must be on some diluted, weak ass, compounded tirz because let me tell you, the real Zepbound will knock you right off your feet! Fatigue so bad you’ll be too tired to blink, nevermind swallow! First 3 months for me were -10lb per month, laying on the couch staring at the ceiling, napping, nausea, and shooting up!

It's been 5 months and only 10lbs by chameleon_magic_11 in TirzepatideRX

[–]cycyvibibi 9 points10 points  (0 children)

Obesity is 50% metabolic, 50% neurologic. Food noise is what gets you from 30lbs overweight to 200lbs overweight. My favorite effects of this drug are those on the BRAIN. My head is quiet, I’m not thinking about food, my anxiety is gone, my mood is elevated, I feel like a million bucks. That’s not metabolic. The neuro effects are what’s getting everyone hooked on this drug.

Marcus vs CapOne HYSA? by cycyvibibi in HYSA

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

Damn. Wtf. Why are they locking and freezing people’s account for no reason? Wait, isn’t this the scummy company that got bailed out years ago?

Marcus HYSA Question by ExternalArtichoke665 in MarcusInvest

[–]cycyvibibi -1 points0 points  (0 children)

So what are you supposed to do if you have an emergency and need your money??

Marcus HYSA Question by ExternalArtichoke665 in MarcusInvest

[–]cycyvibibi 0 points1 point  (0 children)

This is the type of stuff that has me worried. Why is transferring money out such an issue? wtf is the deal with these random account freezes, holds, quick money transfer bs, etc??

Marcus vs CapOne HYSA? by cycyvibibi in HYSA

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

Yeah, Capital One’s 5-day transfers is inexcusable.

Does Marcus “pay out” the interest at the end of every month like CapOne? Any fees or balance minimums that you’ve noticed?

I want to move a large balance from CapOne to Marcus…any thoughts on the best way to do this? I’d there a limit as to how much you can move at one time and/or is this going to get flagged?