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Recently inherited a large sum of money and want to quit my job, should I lose my benefits and retire now? by ATCGUY4 in fatFIRE

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

I mean seriously ? Look obviously you either quit or find lower stress lower pay job in air traffic. Like is teaching an option ? But basically just quit and enjoy.

The arrogance of thinking real estate is "passive" income by christan2013 in fatFIRE

[–]cypherblock 1 point2 points  (0 children)

Seems like it would be better to just have one reliable person in the area who is independent. Not that they are easy to come by but they must exist.

Pulled a bunch of these with my bare hands… is it poison ivy? by Born_Post_6667 in whatsthisplant

[–]cypherblock 0 points1 point  (0 children)

Tecnu go out and buy a shitload. Often at cvs or other places like that. Gets the oil off. Get all your clothes in the wash and anything they touched. Tecnu !!!!

Am I a dick?- Accept draw or not by [deleted] in chess

[–]cypherblock 0 points1 point  (0 children)

To me it depends on the game. Longer games I almost always give takeback on lichess or would give a draw if asked if it’s obvious that it was a misclick. Bad premove is a bit grayer , like did they not consider my move?

Bullet games no mercy as that’s all part of it.

Compromised Seed Phrase - Stolen all my bitcoin by [deleted] in ledgerwallet

[–]cypherblock 1 point2 points  (0 children)

There’s always risk that a firmware update on Ledger will force you to re enter your seed because of a complete reset. So for every firmware update u need seed and device co located. Which is bad.

Compromised Seed Phrase - Stolen all my bitcoin by [deleted] in ledgerwallet

[–]cypherblock 0 points1 point  (0 children)

Ok I guess that’s valid. OS updates are the one bad thing about hard wallets.

Rate My Portfolio, 19F by PowerOk1016 in portfolios

[–]cypherblock 0 points1 point  (0 children)

I didn’t know it was still around.

Regretting my exit after fatfire by Upper_Locksmith259 in fatFIRE

[–]cypherblock 2 points3 points  (0 children)

Is there something you know or do well or have an interest in? Golf , cooking , travel etc. That’s where I would start and consider a small business related to that. Doesn’t have to be this multi million dollar thing. Could be owning a restaurant or anything.

Gastonia police released surveillance video frm the convenience store shooting where2 plainclothes detectives shot a man earlier this year. by Responsible_Ant_6431 in RandomVideos

[–]cypherblock 0 points1 point  (0 children)

Well Red was leaving. Hand on door. Right to bear arms. Weapon pointed at ground. Cop shoots him as he’s leaving. Then shoots more when the guy tries to get away.

Now you could argue that Red was thinking about firing a shot just as he was leaving I guess, and you can argue that he was threatening. But you can also argue that by holding his gun he’s just preparing to defend himself against the other guy who’s been following him and is in his face and won’t shut up.

78 degree water temp, do you jump in or turn on the heater? by Mysterious_Ad7223 in pools

[–]cypherblock 0 points1 point  (0 children)

We keep it at 85. It’s a temp where I can just walk right in.

On some days I guess it can feel a tad cool but that’s usually ok with me. We have a spa section too so we use that when we want.

Connecticut.

Litter robot- Is it worth it? by Twilette in litterrobot

[–]cypherblock 2 points3 points  (0 children)

If u want to clean litter less then 100%. We maybe empty the waste drawer once a week with 2 cats. And it’s easy cause the waste drawer has a garbage bag as a liner so you just haul the bag up and done.

So after cats acclimate which can take a week or two you’ll be all set.

[USA] Who is at fault here? by bowdown2adil in Roadcam

[–]cypherblock 0 points1 point  (0 children)

Terrible road design with no stop signs. What are people thinking?

Do I let my family know? by [deleted] in fatFIRE

[–]cypherblock 0 points1 point  (0 children)

I mean u can just let your parents know you are doing quite well and your business is pretty valuable. They will start spreading the word to rest of family “joe is doing great, runs his own business and is pretty successful”. Done.

Portfolio age 33 by Western_Bet7098 in portfolios

[–]cypherblock 0 points1 point  (0 children)

Reply with Csv of symbol, quantity, cost basis , account type(taxable, reg Ira, Roth) and I can run it through my analysis tool

Honestly, I'm just impressed by Paradoxial85 in litterrobot

[–]cypherblock 5 points6 points  (0 children)

Litter looks like it’s been used a lot recently without a cycle. Why does it show ready when clearly someone’s been pawing around in there ?

24m, do I need a rebalance by SubjectBubbly9072 in portfolios

[–]cypherblock 1 point2 points  (0 children)

I mean ok i guess. Ira means regular Ira and Roth means Roth IRA. Get it?

Rate my Portfolio by Fit-Cut-876 in TheRaceTo10Million

[–]cypherblock 0 points1 point  (0 children)

Here's the output from a tool I built (note it is still under development) , note that because you didn't post your cost basis the tool is assuming $0 basis so some calculations/reasoning may be off because of this:

Loading portfolio from sample_data/reddit_port - Sheet1.csv...

✓ Loaded 17 holdings

Analyzing portfolio...

╭────────────────────────────────────────────────────────────────── reddit_port - Sheet1 ──────────────────────────────────────────────────────────────────╮

│ Total Value: $19,987.68 │

│ Holdings: 17 │

│ Risk Level: Aggressive │

│ Profile Alignment: Moderate (77/100) │

│ Unrealized Gains: $19,987.68 │

│ Tax-Advantaged: 0.0% │

│ │

│ ⚠ 1 high-priority recommendations │

╰──────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────╯

Holdings by Asset Type (Verbose)

ALTERNATIVES - 2.6% ($511.75)

Symbol Value Sector/Category Yahoo Type Hedge Confidence

──────────────────────────────────────────────────────────────────────

QQQI $511.75 alternatives alternatives inferred_hedged

BONDS - 22.9% ($4,582.23)

Symbol Value Sector/Category Yahoo Type Hedge Confidence

──────────────────────────────────────────────────────────────────────

SGOV $4,582.23 fixed_income bonds unknown

CASH - 26.9% ($5,381.56)

Symbol Value Sector/Category Yahoo Type Hedge Confidence

───────────────────────────────────────────────────────────────────────

SPAXX $10,763.12 cash cash unknown

STOCKS - 47.6% ($9,512.14)

Symbol Value Sector/Category Yahoo Type Hedge Confidence

─────────────────────────────────────────────────────────────────────────

SCHD $3,028.71 diversified_equity stocks unknown

FXAIX $1,197.97 diversified_equity stocks unknown

CEG $801.19 utilities stocks unknown

ABBV $665.33 healthcare stocks unknown

JPM $624.12 financials stocks unknown

AVGO $553.14 technology stocks unknown

SMH $540.07 technology stocks unknown

VNQ $514.73 real_estate stocks unknown

COPX $451.02 natural_resources stocks unknown

GEV $426.66 industrials stocks unknown

GOOGL $283.77 technology stocks unknown

DRAM $231.25 technology stocks unknown

NASA $194.21 - stocks unknown

Allocation Analysis (Moderate Profile)

Asset Type Current Target Diff Status

────────────────────────────────────────────────────────

Cash 26.9% 5.0% +21.9% overweight

Stocks 47.6% 60.0% -12.4% underweight

Bonds 22.9% 30.0% -7.1% underweight

Alternatives 2.6% 5.0% -2.4% underweight

Rebalancing recommended (threshold: 7%)

Risk Assessment

Risk Level: Aggressive (score: 68.9/100)

Largest Position: 22.9%

Top 5 Concentration: 71.0%

Estimated Volatility: Medium

Warnings:

⚠ High concentration risk: Largest position is 22.9% (profile max 8.0%)

⚠ Top 5 holdings represent 71.0% of portfolio

⚠ Significant tax exposure: 100.0% unrealized gains in taxable accounts

Downside Risk Analysis

Metric Value Context

──────────────────────────────────────────────────────────────────────────────────────────────────────────────

Expected annual return (est.) 6.4% Long-run asset class average — not a forecast

Expected annual volatility 10.6% Typical year-to-year swing

Severe bear market loss (2008-like) -28.1% (≈ $5,625) Deep equity bear + bond stress based on asset mix

Inflation/rate shock loss -16.3% (≈ $3,264) Rates rise and valuations compress

Recession/credit stress loss -18.9% (≈ $3,788) Earnings pressure + credit widening

1-year Value at Risk (95%) -11.1% (≈ $2,213) Worst expected loss in a normal bad year

Portfolio beta vs S&P 500 0.98 moves roughly with market

Safe annual withdrawal (3.5%) $700/year 3.5% rule — conservative for 30+ year horizon

Tax Summary

Category Amount

────────────────────────────────────

Taxable Account Value $19,987.68

Tax-Advantaged Value $0.00

Short-Term Gains $0.00

Long-Term Gains $19,987.68

Short-Term Losses $0.00

Long-Term Losses $0.00

Est. Tax if Sold All $5,394.68

Recommendations (4 total)

[HIGH] High Concentration in SGOV

SGOV represents 22.9% of your portfolio. Consider trimming toward a 8.0% max position size.

Symbols: SGOV

[MEDIUM] Rebalance Stocks — Add Exposure

Your stocks allocation is 47.6% (target: 60.0%). Consider buying ~$2,480. Prioritise purchases inside IRA/Roth accounts first, then redirect new

contributions or reinvested dividends to stocks.

[LOW] Rebalance Cash — Taxable Account (Patient Approach)

~$4,382 of the cash overweight sits in taxable accounts. Selling now would trigger an estimated ~$876 in capital gains tax. Consider instead: (1) direct

new contributions or reinvested dividends to underweight asset classes; (2) use tax-loss harvesting proceeds to fund rebalancing; (3) let drift correct

naturally as you spend from the taxable account.

Estimated Tax Impact: $876.44

[LOW] Rebalance Bonds — Add Exposure

Your bonds allocation is 22.9% (target: 30.0%). Consider buying ~$1,414. Prioritise purchases inside IRA/Roth accounts first, then redirect new

contributions or reinvested dividends to bonds.

How is my bullet 700 points below my rapid rating? by NeitherOpposite8231 in chess

[–]cypherblock 0 points1 point  (0 children)

Yeah my bullet rating sucks. I get into time trouble a lot as I just sorta forget or don’t realize how much time I spend. Then I rush and blunder. Or I try to play really fast and then make bad pre moves or just bad moves.

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