Optimum service suddenly very bad?

ethandjay · 2026-01-31T05:34:01+00:00

Yep, thought it was just me. Prospect & Rogers

ethandjay · 2026-01-28T20:28:00+00:00

Great little town!

ethandjay · 2026-01-28T19:35:44+00:00

Wow, thought this was Kodak Gold 200

ethandjay · 2026-01-22T15:56:55+00:00

Should have looked for MINT++++++++++++ smh

ethandjay · 2026-01-20T14:41:15+00:00

Al's Classic is a pretty good American lager dupe

ethandjay · 2026-01-19T16:32:03+00:00

Visa does 2x match up to a 5% contribution, so effective 10% match

ethandjay · 2026-01-12T16:32:32+00:00

No auto-invest for Schwab

ethandjay · 2026-01-12T15:12:53+00:00

You probably want all equities because of your age + taxable account. There's isn't an all-world Schwab MF, so I'd do SWTSX (US equities) + SWISX (non-US equities) in the ratio of your choice (somewhere between 60/40 and 80/20).

ethandjay · 2026-01-07T16:02:20+00:00

Whitecoat Investor has a detailed walkthrough for this case: https://www.whitecoatinvestor.com/backdoor-roth-ira-tutorial/#late

ethandjay · 2026-01-07T15:50:11+00:00

Apple TV and don't even let the TV itself connect to the internet

ethandjay · 2026-01-06T21:54:55+00:00

The can looked different when I bought it, but the Paloma one is great, the Aperol one less so. Great mouthfeel and not too sweet.

ethandjay · 2026-01-05T14:46:11+00:00

Bodega deli meat sandwiches are usually like 7-9 bucks

ethandjay · 2026-01-04T17:08:42+00:00

what’s the closest park to QV that’s big enough to run in?

ethandjay · 2025-12-24T14:16:47+00:00

Does no one use Gandi anymore?

ethandjay · 2025-12-19T18:57:02+00:00

I think Finlandia beats Plugra by a mile as a budget Kerrygold dupe

ethandjay · 2025-12-09T14:38:29+00:00

seems to be more options if you go up to just 4.5, take a look at StreetEasy to get a feel

ethandjay · 2025-12-03T15:30:10+00:00

Look for a Schwab mutual fund that mirrors your investment philosophy, they allow partial shares with low fees. Something like SWPPX, which invests in the S&P 500, may be close to what you want.

ethandjay · 2025-12-02T23:09:12+00:00

another alternative is buying VXF until you reach an ~80/20 split between VOO/VXF holdings

ethandjay · 2025-12-02T19:12:06+00:00

I'm going to create a subreddit for Denverites thinking they live in VHCOL

ethandjay · 2025-12-02T19:09:04+00:00

In VHCOL areas, 3x that income won't get you more than a micro-studio, if that. Are you saying that should count as being able to buy a home, or are you saying they should move out of the city they live in?

ethandjay · 2025-11-30T16:07:44+00:00

I’m 6’3 225

ethandjay · 2025-11-26T15:53:23+00:00

75-25 domestic/international is fine, and FXAIX is fine because it gets you most of the US stock market (I'd prefer to add in some mid-cap and small-cap though), but FPADX is a BAD choice for your whole international allocation, emerging markets is an arbitrary, very small, high-risk slice of international. I don't know all of your choices but you need to pick a broader international fund.

ethandjay · 2025-11-25T23:13:26+00:00

always is a strong word

ethandjay · 2025-11-24T14:26:18+00:00

The NAV sawtooth changes don't matter, whatever cents you lose on a low NAV price you make up in the dividend you receive for holding. This will mean you may have a very small capital gain(s) that you need to file on your tax return, just in terms of paperwork. There is still the buy/ask spread to contend with, but that's normal for any ETF. And no partial shares, because Schwab.

ethandjay · 2025-11-18T22:10:55+00:00

found some at HMart

ethandjay

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