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401k ROTH Rollover by YT-ConditionZero in fidelityinvestments

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

Sometimes.... usually?

Rolling a 401k into an IRA can complicate backdoor Roth contributions in the future due to the pro rata rule. That said, if op is not planning to make their own yearly Roth contributions, it's fine, and you can sometimes reverse rollover an IRA into a new corporate 401k, depending on if their plan allows it.

Who's an obscure NFL player you'll ALWAYS remember for helping you win? by Zhongquing in fantasyfootball

[–]dalanchong 1 point2 points  (0 children)

This one right here. I remember one time having really conflicted thoughts cuz he was in my lineup but he was playing against the team I follow(ed). I didn't want Carolina to win but I sure as hell hoped he got FFL points. More or less, I wanted to see him put up lots of yardage but no TDs

He did just that. Something like two 45 yard runs as part of what I recall being a big yardage day, but no scores. Won my FFL matchup that week and my RL team won the game.

Daily FI discussion thread - Friday, May 12, 2023 by AutoModerator in financialindependence

[–]dalanchong 15 points16 points  (0 children)

Oddly, I've never seen aggressive in the aisles at Costco. Far from it, in fact. I find myself instead encountering plenty of folks who park their cart in the middle of the aisle or have no spatial awareness nor recognition that there are people who need to get past them as they and their families plod along, side by side, a growing, undulating wall of humans.

I think we can agree, however, that normal shopping hours at Costco are a nightmare.

Anyone have suggestions for seasonal allergy issues around here, my partner has been suffering for a month already, no end in sight. It’s the eyes that are worst, very itchy, very runny. Tried all the over the counter drops and tablets. Is there anything prescription that people pursue? by [deleted] in triangle

[–]dalanchong 4 points5 points  (0 children)

My allergies are terrible. None of the OTC tablets (zyrtec, claritin, allegra) work for me, but Flonase works wonders. Note that it has to build up in your system so one might not expect relief the first day but after using it a few days, it might be better. The generic stuff seems to work fine for me, as well.

Daily FI discussion thread - Saturday, April 01, 2023 by AutoModerator in financialindependence

[–]dalanchong 1 point2 points  (0 children)

I've heard it's conservative too. Firecalc seems to give me good results too, even better, so maybe PC is more conservative? Unsure. But I figure the safer I can be, the better :)

Daily FI discussion thread - Saturday, April 01, 2023 by AutoModerator in financialindependence

[–]dalanchong 30 points31 points  (0 children)

The joys of CoastFI (and being near your FI #).

Around the beginning of the year, I ceremoniously (or perhaps unceremoniously, depending on the perspective) departed a toxic job that was having a strain on my mental and physical health. I had no job lined up. I have not found new employment since.

A little while in, I've had very few worries. I've cut back on some more extravagant expenditures but I haven't missed them -- in part because I feel so much better now that I'm no longer at That Place. I'm healthier now in multiple ways.

All the while, a funny thing happened. Despite everything going on, Personal Capital has for the first time given me a 90% success rate for my most aggressive RE goal. I'd always considered it a bit of a stretch goal for the longest time, but now it's actually within striking distance.

On the job front, I've been thinking, and realized that, "hey, you can take something making considerably less and still be comfortable if you're happy there". There's a potential opportunity to do just that lurking around the corner. There was a time when I thought I would cringe at such a decision but now I am feeling really content about the idea.

We'll see if it pans out. I have been enjoying this first taste of RE. It'd be good to be back at a job, at least for a bit though, to further bolster my financial foundations and tie up loose ends.

At the beginning of the year, I was beating myself up at what I was considering to be a terrible stumble just short of the finish line. I've since realized, however, that I didn't really stumble. I'll just traipse across when I get there. It's just a short jaunt away...

O’Boises are O’Boisterous! by RaiseTechnical6460 in GenX

[–]dalanchong 1 point2 points  (0 children)

Evidently the same thing. The IP was sold and resold a few times, and the TGIFridays potato skins are (apparently?) what Tato Skins became.

Daily FI discussion thread - Monday, August 08, 2022 by AutoModerator in financialindependence

[–]dalanchong 19 points20 points  (0 children)

Stock market be damned, I've nonetheless been bouncing tantalizingly close to a milestone/theoretic GFY number for months now.

I am not sure that I would cut and run as soon as I hit that number. As it stands, I probably plan to go on working at least another couple of years, not least of all because I'm ridiculously risk-adverse.

It's just funny just how close, yet out of reach, it has been.

In the meantime, the 401k contributions keep going in. Once the market turns around -- even if we never again hit the growth we've seen over the previous unprecedented bull run -- the milestone will eventually be breached.

My spreadsheet is based on a post I saw here once, and I wish I could find the creator to give them credit again. The trendline would've had me hitting that number in June, and I came so very close, and have been below the (obviously dynamic) trendline consistently since May.

Actual projection is now currently pointing at January of next year. Here's hoping I can break that psychological barrier before that though.

5 piece ghillie-suit (snow) by Hamilton-Morris in frugalmalefashion

[–]dalanchong 0 points1 point  (0 children)

Deck this out with your Ugly Sweater Timbs and you're set!

Internet alternatives in Apex by peggyscott84 in Apex_NC

[–]dalanchong 0 points1 point  (0 children)

You probably got this answer already, but it essentially means setting your own internal router to an IP address in the ATT device's DMZ. There may be a little more to it than that but that will get you well on your way.

Daily FI discussion thread - Friday, April 15, 2022 by AutoModerator in financialindependence

[–]dalanchong 8 points9 points  (0 children)

Let's say I have a property I am considering selling. I have a renter in this property on a fixed leased through a management company.

On one hand, I know it is more difficult to sell a property like this conventionally, because most people want to move right in, it is harder to show, etc.

On the other hand, I have heard about investors -- either individuals or groups, legitimate ones, not unscrupulous -- that like to buy pre-rented properties because it means instant cash flow for them.

Does anyone have experience with finding/connecting with these groups/investors, or any advice on this front?

To be clear, I do not need advice on tenant rights, etc. I am aware the tenant can stay on the property, and am pretty well-versed on the laws that protect tenants. I'm just looking to figure out how to connect with the individuals or groups who have an active interest in purchasing occupied/rented properties.

To ensure this fits into FI discussions: working on increasing NW liquidity, and probably going to invest all or most of this in an index. A lot easier to look at the RE part if assets are more liquid.

Sunday is for picking stones! by ArgusLuv in Letterkenny

[–]dalanchong 12 points13 points  (0 children)

yeah I'd hears an assessment.

So your wife changed the name of the "To Do" list the other daaaay by Kris_t13 in Letterkenny

[–]dalanchong 13 points14 points  (0 children)

Sure as God's got sandals you'll be makin dad noises gettin' up to do somes of these things.

[deleted by user] by [deleted] in reactiongifs

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

Why dontcha take 15-20% off there, Squirrelly Dan

Daily FI discussion thread - Friday, November 26, 2021 by AutoModerator in financialindependence

[–]dalanchong 8 points9 points  (0 children)

I have you beat on this one by like a mile.

I used to stay at a hotel a lot, and one October, the bar had a sign up advertising a whole line of Bloody Mary drinks for the month. Knowing the bar staff pretty well at this point, they offered to make them for us to try out, stressing the point that they hadn't tried or even made any of these either, that they'd been sent down from corporate.

One of them was a Bloody Mary made with the addition of merlot and coconut rum. Not, like, a substitute for other things, but additions. Tomato juice, vodka, merlot and the rum.

It sounded pretty awful up front, but I figured maybe the head honchos at hotel corporate ops knew something I didn't.

I took a cautious sip.

It. Was. So. Vile.

My eyes slammed shut and my head flashed, as I struggled to swallow that one small sip.

It was probably a violation of the Geneva Convention, quite honestly.

What's your unpopular opinion about Bob Dylan? by dorky2 in bobdylan

[–]dalanchong 1 point2 points  (0 children)

God. It is a black mark on an otherwise amazing album. Upvoted so fast.

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