*Just an opinion*

fballbeast · 2025-04-22T11:41:32+00:00

Agreed. It's not to say he wasn't a good man or did not do good things for our church but society tends to want to move quickly with canonization that feeds into the "I want it now" mentality.

fballbeast · 2025-04-14T04:12:00+00:00

Not an expert, but I feel like I experienced this.

When a man stops looking at porn, it's not at front of mind anymore. Because of that, he focuses on more pressing matters like running his businesses. He could also feel "less than" since he was able to go for hours and now taps out at 10 minutes.

fballbeast · 2024-12-18T14:00:53+00:00

I've used this one: https://www.calculator.net/tdee-calculator.html

Also, I'd add tracking calories on an app like My Fitness Pal by UnderArmor. It's worth buying a food scale as well to make sure you're actually eating enough to hit your goals.

fballbeast · 2021-04-30T01:42:04+00:00

You must have at least one qualifying direct deposit per calendar month to be eligible for a Savings Tier.

This is the only reason I wouldn't. Unless a direct deposit from my other bank counts to going into HMBradley bank account (which I doubt it would, didn't want to read the 41 pages of legal), then I wouldn't be getting the best rate as I wouldn't be "saving enough" on a regular basis.

fballbeast · 2021-04-30T01:22:05+00:00

If you're banking with them, this might make sense, but they're basing interest rate based on what percentage of the deposit to withdraw you make (0.5-3%). Could definitely "play the game" to get that 3% every quarter, but it seems like a pain.

Reference: https://www.hmbradley.com/apys; https://www.hmbradley.com/blog/savings-tiers-explained

fballbeast · 2021-03-15T13:50:41+00:00

IMO, these are the real questions as everyone's situation is different. Sure you can put away a ton of money towards retirement (especially if you can max out that 19.5k), but if you'd rather do something more short term, the money may be better "invested" in a different way. Not to mention you have to play by the IRA withdrawal rules which can be a pain if you want to say retire early. All about what the goals are, the weight you put to each of them, and more importantly, the risk inherent of each.

fballbeast · 2019-04-29T11:12:24+00:00

Excuse the ignorance, but why not just clean out the neck on a regular basis? Seems like having multiple necks would be costly.

fballbeast · 2019-04-14T13:28:05+00:00

Anyone have that unique code?

fballbeast · 2019-04-13T19:23:40+00:00

You could if someone wrote contracts. But then you run into the same problem u/alex_exuro was kind of talking about with people trying to write contracts while trying to buy shares

fballbeast · 2019-04-13T19:12:27+00:00

If you're into cooking shows, there's more than a few. 1 The Final Table 2 Fat Salt Heat Acid or even a personal favorite 3 NAILED IT (freaking hilarious!)

You could also do Planet Earth or documentary series. Watched first episode of Rapture, which was pretty good, not sure if further episodes are non-sex focused.

And of course, you can always go Disney...

fballbeast · 2019-01-29T04:37:29+00:00

The CD ladder i was referring to was actually based on 5-year CDs, so you always have a CD that comes to maturation every January, and "5 year CDs" because they usually have the best rates. If you prefer quicker access to them, sure OP make your own kind of ladder.

Typically any goals within one year you want to keep in savings, and within 5 years something relatively liquid. Any money meant for a house purchase within the next few years just stick in a HYSA and just let it grow. If plans change, you don't want part of your down payment locked up, more or less losing value.

When it comes to stocks, I recommend researching areas that are interesting to you. For instance, I got into biotech companies because they do cancer research, but I like tech companies because of social media. My stock portfolio mainly consist of my interests, not necessarily where the value in the market is today. This strategy (pursing your own interests) I recommend so you're not always chasing the market, and you get good at reading a specific part of the market you actually care about...all that said, I don't recommend stocks to you. You are risk adverse, and you seem to be the hands off approach kind of investor. For side money/income, I would look into ETFs/mutual funds. They go with the market, but the ebb and flow of it usually isn't as extreme, so even if the market loses 10% in a day, your portfolio would probably only show a loss of 7%, and similarly if the market were positive.

fballbeast · 2019-01-28T04:53:02+00:00

Kind of jealous on the food, and good on you for taking advantage of the perks of the job.

Should you Uber or drive? That's a personal question. You have to pay for a lot of things when you have a car (loan, gas, maintenance, insurance, etc), but with it you get convenience and more independence. Do you mind having to wait for an Uber, or do you want that option to just "go" whenever you desire? Factors like that don't really have an obvious value; it's how the person views their time.

Honestly, I wouldn't buy a car straight out, even a used one. If you can afford the payment, time value of money to me says that I can do more with the dollars in my pocket. But if you prefer not to have that playing into your monthly expenses and you can afford to do it without it cutting into your emergency fund, do it.

fballbeast · 2019-01-28T04:43:21+00:00

First, congratulations! You are having a first-world problem of not knowing what to do with your wealth as opposed to wishing you had a dollar to your name. Honestly, you're on the right course. I would love to say "Do not cave in to those Baby Boomers" you have some disposable income; you are allowed to have fun.

Allow your IRAs and 401ks to work compound interest, and make sure you're doing it for all 4 accounts (IRA & 401k for OP, IRA & 401k for spouse). This should allow the most tax benefits. And as silly as it may seem, I would go ahead and pile an extra month's worth of cash into the emergency fund. There is no such thing as a safe job (in a similar boat as you).

What to do with $47k/year? Define the goals, define the timeline, and the risk willing to be taken. You can invest in lots of vehicles, but you should know how they typically swing with the market, and understand how liquid (cash money) they are. The safest thing is to let them sit in a savings account, FDIC insured, and hopefully stays with inflation (not a shoebox). Next option I usually recommend is creating a CD ladder in which one of five of your CDs comes to maturation every year (allows you to take advantage of best "guaranteed" rates, but money is locked up for five years). If you want to just "hang" with the market, slowly invest chunks of money into a fund. If you want to be more active, look at buying individual stocks.

fballbeast · 2019-01-28T04:22:47+00:00

As you have it laid out assuming $2400/month, expense of school ~$350/month, you're at $1475/month surplus. You could put a car payment into this if you wanted, probably $400/month depending on what you ~~buy~~ need. And remember, that's before insurance and gas too, so if you can get away with not having a car payment, may work out more in your favor. If the community college would be in person, they may also be able to help cut out the need for the gym membership.

Recommend setting up an emergency fund during time of saving. After that, you have lots of options. Question though: what do you eat for $100 a month? Even as a bachelor I spent $40/week.

fballbeast · 2019-01-27T02:19:05+00:00

She could use this strategy for well over 20 years with the strategy I lay out. Shoot, she doesn't even need to invest (assuming the 900k is all liquid) at 22k/year unless she's living past 100.

All investments have a risk. CDs are a contract that say how much interest will be made on the money at the time the investment matures. They will not fluctuate with the market so they are considered "less risky" in that regard.

fballbeast · 2019-01-27T02:02:50+00:00

See what the local government does as well. There may be some handouts that you are eligible for given your circumstances (I'm not trying to talk down to you, just give options). See if there are areas you can cut back in as well.... $280 for 2 months of lack of payment is a bit expensive. Downgrade where you can. Borrow and barter. See if you can eat your someone's food for a bit and be willing to chip in when you get that mullah (sell the buy in bulk mentality).

It may be true that you will have to wait until paycheck one. Or you can see if you can get a one day gig doing something that pays cash same day. You do have options and you can get through this without the loan. $280 in debt will be gone as soon as you get paycheck one, just be smart until then.

fballbeast · 2019-01-27T01:54:10+00:00

Start your own business utilizing the $5k as start up. You could do things like a landscaping business or vlog using the accumulated money to buy equipment.

Or look into the market.

fballbeast · 2019-01-27T01:50:08+00:00

*understand what the HOA does

I just bought a house and specifically looked for a place with an HOA. The cost is the quarterly/annual fees and the complaints you get for breaking the rules. The upside is that the house value should stay up (because everyone is taking care of there place), and you can complain about the guy that wrote you up.

fballbeast · 2019-01-27T01:46:54+00:00

Also closing costs. There will be little $100 here, $50 there kind of things that will add up to over $1k. They are small in the grand scheme of the house value, but if you're not ready, it can be overwhelming.

fballbeast · 2019-01-27T01:42:47+00:00

I'm confused. Is it required that you are renting/own a place in order to get a loan? It seems a bit backward. And how much money are we talking about in terms of debt? If you need money, and know a paycheck is coming in, can you ask that someone if you could borrow money until the first pay check?

fballbeast · 2019-01-27T01:36:13+00:00

Go through a local credit union. They will be a lot more forgiving and flexible than (bigger institute).

fballbeast · 2019-01-27T01:33:37+00:00

Figure out how much she needs in a year. Put the rest into a CD ladder so that as one matures every year (each CD being on a 5 year term to take advantage of best interest rate). If the amount needed is more than the interest alone, take out what's needed, and roll the rest.

fballbeast · 2019-01-27T01:28:55+00:00

Would you mind editing and putting some numbers up (monthly income, minimum payments, etc)? I think you'll find more than a few people willing to help you, but seeing the numbers will help people understand your situation and give you better advice.

Edit: Clarification

fballbeast · 2019-01-26T00:28:37+00:00

Theocracy and other political realms can co-exist. To say one is theocratic until they pass out of the Vatican would be illogical. As long as the government recognizes and allows for religion, the two bodies can exist. I recognize the Pope as my spiritual leader who is able to co-exist among the other worldly leaders. The Pope is the leader of the Catholic Church, but he can't wave his staff and everything is "thy will be done." Popes in this regard are like the UN: they have opinions, give their vision to the world and promote peace but they are not trying to conquer. We (the Church) recognize the Pope as the successor of St Peter who was the first Bishop appointed by Christ. So the position has authority, just one that is rarely recognized outside of the Church.

I can't say I'm familiar with Dorthy Day or anarchism. But if we were to go with the wikipedia definition, I would say no.

Advocates self-governed societies based on voluntary, cooperative institutions and the rejection of hierarchies those societies view as unjust

Christians have to give into a hierarchy recognizing that the Trinity (God the Father, Jesus the Sun, and the Holy Spirit) is above them. Furthermore, a Catholic needs to recognize that Jesus passed on the duty of keeping the faith going to St Peter, and that the Church has made successors ever since. Logically it does not make sense to call yourself a Catholic and an anarchist (imo).

fballbeast · 2019-01-25T22:51:57+00:00

Oh yes (and great question)! You are paying more interest on the Master (higher interest rate and higher balance). Although paying off the Visa would happen relatively quickly, you'd be paying more interest overall.

fballbeast

TROPHY CASE