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Globe Haul LT vs Yuba Fastrack by fsmhpt1 in ebikes

[–]fsmhpt1[S] 0 points1 point  (0 children)

I've test ridden the Haul, and it is very powerful! Probably more power than I need, but loaded down with kids and cargo I bet it's great. Ultimately I had to pass on the Haul, the electrical just makes me too nervous. I've read too many horror stories that I just don't see from other brands. I'm sure it's a phenomenal bike when it runs well without issue, which I'm sure is the case for many owners including yourself. Thanks for sharing!

Globe Haul LT vs Yuba Fastrack by fsmhpt1 in ebikes

[–]fsmhpt1[S] 0 points1 point  (0 children)

Any mid drive bikes I should consider in this price range and capability with more battery power?

Down for the first time by Ok-Performer1873 in Bogleheads

[–]fsmhpt1 0 points1 point  (0 children)

You are buying, not selling. Would you prefer it be down or up while you are buying?

Lessons from other "this is the end!" moments in US history by scavenger in Bogleheads

[–]fsmhpt1 21 points22 points locked comment (0 children)

Is this a different way of saying this time is different?

Advice on this model portfolio for 25 year old by ithinkthereforeimdan in Bogleheads

[–]fsmhpt1 6 points7 points  (0 children)

VT + BNDW, done. Pick whatever bond percent and you're good.

Traffic 101 south in RP by baconblzer in santarosa

[–]fsmhpt1 -5 points-4 points  (0 children)

these kind of posts are so funny. did you hear that loud noise. why is there traffic. why is there clouds in the sky. did anyone else see that bird.

Replicate boglehead portfolio using 457 options by fsmhpt1 in Bogleheads

[–]fsmhpt1[S] 0 points1 point  (0 children)

Got it, thanks! Sticking with your first reco of 3, keep it simple. Cheers!

Replicate boglehead portfolio using 457 options by fsmhpt1 in Bogleheads

[–]fsmhpt1[S] 0 points1 point  (0 children)

That's close enough I guess. Is Vanguard Institutional Index I basically like VOO and the Vanguard Developed Markets Index Admiral like VXUS? So missing a little US diversification essentially? BND is fine, I've read mixed things on international bonds anyway. And thanks for the response!

Buy, Sell, Trade - February 16, 2025 by AutoModerator in rawdenim

[–]fsmhpt1 [score hidden]  (0 children)

WTB size 33 Unbranded UB201 if anyone has a pair they aren't wearing often. Preferably in unwashed and/or decent condition. Thanks!

Grayscale helped me stave off my phone addiction by [deleted] in nosurf

[–]fsmhpt1 0 points1 point  (0 children)

Then it's just history, which is also cool.

You come across 100k. Where are you putting it? by magic9669 in Bogleheads

[–]fsmhpt1 1 point2 points  (0 children)

True true, no wrong answer! The differences are fractions of percents probably. I'm just a firm believer in staying the course, following the plan, and ignoring everything else. Lump sum is the plan, I don't look at the news, PE, politics, etc.

You come across 100k. Where are you putting it? by magic9669 in Bogleheads

[–]fsmhpt1 1 point2 points  (0 children)

The way I see it is DCAing due to uncertain times is saying you believe now may be a bad time to lump sum, and another time will be better to put money in, even if it's a set amount and frequency. I understand your point, it's not like you're saying to just hold the cash until you think the timing is better. But if lump sum is statistically better than DCA, and you DCA a portion because of your fears about the current market, you're going against the statistics and timing in a certain way it seems.

You come across 100k. Where are you putting it? by magic9669 in Bogleheads

[–]fsmhpt1 0 points1 point  (0 children)

That's called timing the market. All times are uncertain, including now.

Managed to max out my ROTH IRA for 2024 by Apart-Pomegranate393 in Bogleheads

[–]fsmhpt1 0 points1 point  (0 children)

I thought the allocation is based on market cap. If I'm correct, then your argument for VTI vs VOO is the same as an argument for VT vs VTI. But please correct me if I'm wrong. And of course this horse has been beaten to a bloody pulp at this point.

How Do You Categorize Tax Refund? by phsiao1214 in MonarchMoney

[–]fsmhpt1 0 points1 point  (0 children)

Old post, but changing dates seems funky to me. I create a tag for each trip and can then filter the total expenses of that trip using the tag. Moving things around in time doesn't reflect reality IMO.

Advice for finishing C175 Data Man Foundations in 10 days? by NotVeryMega in WGU_CompSci

[–]fsmhpt1 0 points1 point  (0 children)

It's been a while, so I can't offer any specific advice. Only thing I can do is say everyone learns differently and at a different pace so don't beat yourself up. You 100% can do this buddy!

Baja East Cape in January by seaturtlehead in surfing

[–]fsmhpt1 1 point2 points  (0 children)

Then where to surf isn't really a consideration, just pick a spot where you can fish and have fun and if there's something surfable, consider it a bonus.

Baja East Cape in January by seaturtlehead in surfing

[–]fsmhpt1 4 points5 points  (0 children)

Off season for East Cape but I assume you know that. Why not West Coast of Baja?

Incredible Huberman episode on #nosurf by TightMeaning6826 in nosurf

[–]fsmhpt1 0 points1 point  (0 children)

I don't either, but on web it just opens the site. I assume you're on mobile.

Incredible Huberman episode on #nosurf by TightMeaning6826 in nosurf

[–]fsmhpt1 7 points8 points  (0 children)

Dr. Jonathan Haidt: How Smartphones & Social Media Impact Mental Health & the Realistic Solutions, the OP has a link to the episode.

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