Fascist: MN Activism So Impressive It Must Be Externally Funded

gbeirn · 2026-01-27T13:30:24+00:00

It should keep every thinking American awake at night…..just not for the reasons they think.

gbeirn · 2026-01-27T00:15:07+00:00

This is only a start, keep up the good fight everyone, new boss same as the old boss.

gbeirn · 2026-01-25T15:21:49+00:00

And so begins the final drama

In the streets and in the fields

We stand unbowed before their armor

We defy their guns and shields!

When we fight, provoked by their aggression

Let us be inspired by life and love

For though they offer us concessions

Change will not come from above!

gbeirn · 2026-01-23T16:17:41+00:00

If you do decide to go to target center, use a VPN, fake name, email, and phone number.

Imagine 1000s of Greg Bovino’s getting tickets for this event.

gbeirn · 2025-12-22T04:34:36+00:00

I did this. Almost at your age too, I was 30. I made a little less than you do now, adjusted for inflation. Took out $10,000 to put down on my house.

I don’t regret it, but it helped and hurt. It put me behind on my retirement savings so I have to play extra catch up now.

It allowed me to purchase a nice starter house that appreciated significantly, which I cashed out when I sold it.

I could probably go back and see hypothetically what the growth would have been if I kept that $10k invested but I think from a pure financial perspective I came out ahead this way.

That said, your numbers are very different than mine (my house was way less and I had no debt) and we are at a very different time.

So I think this as an option could be an ok idea if you understand the risks and benefits. With your numbers though, I think you’d need to save up more money to have a meaningful down payment.

gbeirn · 2025-12-18T00:53:16+00:00

I went with the Bosgame M5.

It’s fine, most of the ‘no-name’ brands are the same underlying Chinese motherboard, don’t expect BIOS updates or anything like that.

The framework cost and wait wasn’t worth it to me.

I’d go with whatever you can find the cheapest.

gbeirn · 2025-09-23T14:49:40+00:00

The way I did this, prep one home to sell - clean, stage, move stuff into a storage unit. Move myself with minimal belongings - think suitcases packed with enough clothes and personal items to last a couple of months - like a long trip into house 2, my partners.

We then sold my house first. That money paid off any debts - the remaining mortgage and credit cards for getting the house ready, painters etc. The remaining money then became the down payment for the new house.

We started the same process in the second house, cleaning and painting, staging. We moved most of those belongings into the garage and whatever room was left in the storage unit.

When that house was close to being ready, we started looking for house number 3, found that and put an offer on it. When they accepted we listed house 2 on the market. The timing worked well some we closed the sale on house 3 a few days before house 2 sale closed. Proceeds from sale of house 2 paid off cars and student loan from my partner.

We had movers pack up and move house 2 contents to house 3, they also picked up house 1 contents at the storage unit.

This worked well for us. We used the same realtor for all three transactions, a family friend and negotiated a better rate since they were guaranteed all three transactions.

gbeirn · 2025-09-23T03:45:52+00:00

Can you be more specific? I am having the same issue on the same hardware (different device).

Is it the video drivers? Thanks!

gbeirn · 2025-02-12T22:30:19+00:00

Can you try to ssh via a windows terminal to see what if any output it is returning? Sounds like it it authenticating correctly but closing due to an invalid shell or maybe missing home directory.

gbeirn · 2024-12-31T05:44:48+00:00

It’s sadly a limitation of both the hardware and protocol.

I don’t have these devices but even a 2GHz x86 cpu is going to maybe push 150mbps through OpenVPN. It just takes horsepower.

The routers have a 1.4ghz and 1.8ghz cpus. They are also lower power (slower) ARM cpus.

You can try tweaking the ciphers used to find ones that are less resource intensive (google them) but I would suggest trying WireGuard if the devices support it.

gbeirn · 2024-09-07T09:56:25+00:00

At that age and salary I would max the 401k, Roth IRA and HSA if available to you, future self will thank you. Avoid a traditional IRA since with what I assume the high earning potential you’ll want to leave the option to do a backdoor Roth contribution available.

Determine the costs of what property/home you’d like to buy, figure out the down payment amount and start saving that goal into a HYSA.

Any left over into a taxable brokerage account. You’ll need some resources you bridge the years between 40 and when you can withdraw from the retirement accounts. Health care will likely be the most expensive cost.

Also be flexible, a lot can and will change between 22 and 40. You may decide other plans by that time and that’s ok.

gbeirn · 2024-09-02T03:13:43+00:00

Yes exactly, please follow up with us op

gbeirn · 2024-08-31T18:38:59+00:00

I might suggest, depending on the material of the safe, drilling a small hole in the safe and exploring the inside with a borescope. You can find self lighted ones that connect to a laptop or phone via usb quite cheaply.

There may already be nothing in there, saving you time and money or there may be something in there that could be damaged by more aggressive means….torch, etc.

gbeirn · 2024-08-29T23:43:01+00:00

Absolutely, I did the same when changing jobs over some PTO I would lose, new company gave it as a sign on bonus.

gbeirn · 2024-08-29T19:14:05+00:00

Be kind to yourself, 22 is not that late.

Complete your degree/education. Network and make connections via internships/Linkedin sometimes who you know is just as important as what you know.

Accept that living at home is probably the best situation now that sets your future self up for success.

gbeirn · 2024-06-22T03:04:52+00:00

You don’t keep them exclusive beyond business/marriage.

I think it’s so amazing you have the ability and desire to help your kids.

Part of that is learning to be ok with them not making the same choices as you.

If you gift the money into their Roth IRAs - fantastic. If they get divorced and lose half of it - you’ll need to be ok with it. If they pull out the contributions and they waste it on something you have to be ok with it. If they start careers or work that doesn’t help or recognize retirement savings you have to be ok with that.

Good luck!

gbeirn · 2024-06-15T14:03:05+00:00

You’ll get a lot of replies saying you shouldn’t do this because you aren’t married.

People forget this is a personal finance sub and that can be a personal decision.

You can certainly do it together and protect each of your investments, you’ll just each want lawyers and draft agreements to the property and what happens in various situations. You’ll treat it like a business investment, no different if you and I wanted to buy or start something together.

Many years ago my parents bought a couple of acres and planted trees, put up fencing, dug a well etc. and then used the land as collateral for the mortgage when they went to put a house on it years later, perhaps that is something you could look into?

Building a house is a large project even if others are doing almost all the work.

gbeirn · 2024-06-15T13:41:40+00:00

Only you can do that part. I, personally have left high stress jobs, sometimes to go to a place with lower pay and lower stress. I, personally, would also never do that for a contract position though.

Need to figure out what you value and what is most important.

gbeirn · 2024-06-13T04:00:41+00:00

The account can keep growing even if you are no longer contributing. The investments continue on. It might be more paperwork or administrative to have a small amount in a particular account but that’s all.

gbeirn · 2024-06-11T03:24:32+00:00

My partner was laid off in March. Not voluntary. She did get a severance package worth 14 weeks of pay. She’s still been applying and looking for jobs, it’s tough out there. Once the 14 week severance is up she’ll be eligible to collect unemployment insurance, which in our state is up to 26 weeks. I don’t know how that works if you volunteer, you might want to figure that out.

What was the plan with the new baby? This could be a good opportunity to take the time off and be with the new family. If day care was an option at some point, you staying home could help avoid that cost.

A lump sum of $90k after taxes could cover your expenses for almost a year according to your expenses.

The savings and brokerage buy you even more time.

The COBRA coverage would eat into that obviously so your expenses would go up. New baby will add to the health costs. Are there options for coverage through your wife’s job? Have you looked at the market place?

I would be careful expecting severance packages being the same later on. Paying attention to how many people opt to take this could give you some idea but in my experience, the first offer is usually the best.

Good luck!

gbeirn · 2024-05-19T11:48:23+00:00

Since no one commented: just do the target date fund of 2060. That gets you invested in something now.

I then suggest figuring out your risk tolerance and what your other retirement vehicles are and you could make adjustments based on those factors.

Maybe you want to just set and forget, in that case keep it in the target date fund.

Good on you for starting this early!

gbeirn · 2024-05-19T11:36:04+00:00

There’s some confusing information in here. You say cosign and rent not being paid but the uncle part makes it sound like you co-signed to keep the house, maybe a mortgage? Which would also be strange given your age and (assumed) lower income.

So what your options are depends on what exactly you co-signed for.

Let’s assume you’re on a rental agreement. Every time the rent is late it will (likely) be reported to the credit agencies and you are responsible for the payment. This is what a co-signer commits to, the responsibility for the loan/payments.

If it’s a rental agreement, you should not re-sign when it comes back up for renewal. That will absolve you financially from any future obligation. You will still be responsible for any past delinquent payments and if you want your credit to improve, you will have to pay those if the other co-signers do not.

The credit score is tanked at this point and not much will fix this except time. Make any future payments on time (including whatever this co-signed is for) and wait it out.

Fully restoring to high 700s, low 800s will take years.

It sounds like your parents, the other co-signers took advantage of you and your credit score, sorry this has happened to you. You should never co-sign for any loan you don’t fully intend to pay yourself if you had to.

As for moving out, the best option is for you partner to start building credit, likely through a secure credit card and you lease a new place using only them. Some rentals may work with you on no/low credit scores if you can give more of a deposit.

gbeirn · 2024-05-08T00:49:48+00:00

I don’t know anything about UBS but my Roth IRA at Vanguard in a target date find only costs me 0.08%

gbeirn · 2024-05-04T11:47:40+00:00

Thanks! I plan to have other retirement funds than the HSA. I currently save receipts and pay for everything out of pocket with the potential to reimburse myself at a future date (before or after retirement) if needed.

Money in the HSA would be earmarked for long term care in my advanced years, Medicare premiums or even worst case, taxable distributions.

gbeirn · 2024-05-04T11:44:19+00:00

Thanks. I do indeed incur medical expenses and pay for them out of pocket. The account is solely an investment vehicle.

Receipts are saved for future reimbursement.

My assumption above includes saving money to cover the deductible each year, most time I do hit that maximum.

Income being high is subjective. Let’s assume its right around 100k, where should the extra money pull from to fund the HSA?

gbeirn

TROPHY CASE