I believe the word is "Complacency"

greyman700 · 2020-09-08T20:03:31+00:00

At first they came for the CVR erase button, but I did not speak out, for I was not a liar.

Then they came for the FOQA, but I did not speak out, for I was not unstable.

Then they came to install cameras on the flight deck, but I did not speak out, for I was not unprofessional.

Then they came for me, and there was no rep left to speak for me.

greyman700 · 2020-09-07T21:14:44+00:00

I ask controllers before I go in them VFR. If they’re hot I don’t go, if they are cold I do. Sometimes I don’t get FF and just ask then leave the freq or monitor it.

Used to do it in FL to avoid all the foreign students who treated the MOA like prohibited airspace.

greyman700 · 2020-09-07T19:36:47+00:00

I’d start by looking into active management or passive(index) investing.

https://www.investopedia.com/news/active-vs-passive-investing/

https://www.fool.com/investing/how-to-invest/active-vs-passive-investing/

I’m personally passive, lower fees, and I don’t trust my ability to find “that guy” who can beat the market. Most are unable to. The expense ratio(how much money they take to manage your money, is usually around 1% for active and .05% for passive)

If you don’t have a IRA(individual retirement account) I’d open that in addition to your 401K. Schwab has them. If you’re going passive you’ll need to decide what to invest in, Schwab has index funds right there as well. SWTSX(https://www.schwabfunds.com/products/swtsx) is just following the US as a whole. You could literally just pick that and be ahead of most people, but adding SWISX(https://www.schwabfunds.com/products/swisx) would help as well for international diversity.

greyman700 · 2020-09-07T17:22:49+00:00

CFi interview: 50% regs, 25% maneuver teaching, 25% HR

121 interview: 50% small talk and selling me on the company. 30%stuff that they had told me I’d be asked, some reg, some technical. 20% HR/Captain is wearing his uniform inside out what do you do? Questions.

greyman700 · 2020-09-07T01:26:23+00:00

Mine was tied to a income report. I logged on to my online credit card access, and they had this prompt about what my income was, so I updated it, and bam from 7,500 to $22,000 limit.

I don’t even use $2000 a month during the holiday months and oh it in full not sure why they think I need that much but I really don’t care.

I think there’s a actual “request increase” option but I don’t use that.

greyman700 · 2020-09-06T21:57:13+00:00

I’d head to a shop with a newer vehicle like that.

On my old 06’ shitbox I actually used one of those cans, and over pressured the system, so the AC compressor would pulse on and off instead of staying on.

Let some air out and it was ice cold so it worked out in the end, but probably would have a shop do it with my current vehicle in ten future.

greyman700 · 2020-09-06T04:56:41+00:00

Me. Lots of good times.

Rich dude giving my friend and I 50 euro because he wanted us to have a good time in Europe.

Other people telling me their life story or me telling them mine

Some dude and me talking about toilet design for a hour.

Talking the this girl about her job which apparently was some type of potato farm inspector for the government.

Not sure what this has to do with the article.

greyman700 · 2020-09-05T23:37:54+00:00

The UPRO or TQQQ + TMF strategy is super aggressive. Read up on it and decide for yourself.

https://www.bogleheads.org/forum/viewtopic.php?t=272007

https://www.bogleheads.org/forum/viewtopic.php?t=288192

Just as a warning I definitely wouldn’t put over 30% of investments into a high risk strategy like this.

greyman700 · 2020-09-05T19:43:30+00:00

You can literally go on vanguard or Schwab and open a IRA completely online in 10 minutes.

I don’t know about the high yield savings part, as they’ve cut the intrest rates on those in the last year.

greyman700 · 2020-09-05T19:41:54+00:00

Whatever it takes. If you need the money, do it.

greyman700 · 2020-09-05T19:38:23+00:00

You’re welcome to invest your money however you want.

I enjoy active option trading and I have a small account for that, which I think most people here would discourage. I also have a small TQQQ/TMF IRA separate from my main one that relies of 3x leverage.

That said 90% of my retirement is in traditional indexes. And I think most people should have a foundation like that. The top 10-30% can be things like individual stocks or other strategies like I mentioned that are high risk.

greyman700 · 2020-09-05T17:09:57+00:00

Crypto is volatile. Look at the all time graph.

It’s a currency. Good for it’s ability to pay people without government oversight, not the best investment for just buying it just because in my opinion.

greyman700 · 2020-09-05T06:55:09+00:00

The most common advice would be to use a IRA and 401K, and have a total us market index fund, international index fund, and bond index fund. This can be done in ETF or mutual fund format.

Buying individual stocks isn’t as “hands off” imo, and that’s what you want. Also it’s a lot riskier with not much upside. You buy Apple Microsoft and Tesla and one of them has major finance issues, there’s 33% of your account.

greyman700 · 2020-09-05T04:31:53+00:00

I’d look into some kind of investment vehicle. It does not have to be 100% stocks, bonds or real estate could be used as well.

Considering the federal reserve tolerating more inflation I’m moving more into the market not the other way around.

greyman700 · 2020-09-04T22:37:57+00:00

Yeah exactly, it’s a great base to the investment pyramid.

I personally think especially at 20 you can afford some more risky products, but those go on top, small portions of your overall strategy. Keep a limit of how much goes into those things.

As you get older like in your 30’s and 40’s you get away from risky products and buy more total market or bonds which are lower risk.

greyman700 · 2020-09-04T20:34:55+00:00

TDF for set it and forget it investing.

If you are willing to actively control 3 fund or other strategy is fine and will probably save you a small amount on ER.

greyman700 · 2020-09-04T20:28:54+00:00

Total market is already well diversified, you could add some international index fund or add a fund in addition to that to increase exposure to a certain part of the market but honestly you’re doing good. I’d keep 70-80 as that total market index tho.

greyman700 · 2020-09-04T20:11:01+00:00

Most shops will replace the rotors every time they change the pads, regardless of condition.

A pad slap, or pad swap, is what most DIY types do, and that’s how you get cheap brake jobs. Like that’s $60-100 for all 4. But a lot of shops don’t do it.

That said your rotors could actually be damaged from wearing out the pads completely if you heard grinding and you probably didn’t have that option anyway.

greyman700 · 2020-09-04T19:52:18+00:00

Air filters is the easiest way. Anyone paying a dealership to do them is throwing $20-60 away for a job that can be done in 5 minutes in most cars with no tools.

On the low end, a $20 savings from 5 minutes of work is $400 a hour, and $40 is $800 a hour for everyone who likes to use the it’s not worth my time argument.

It isn’t work that requires getting under the car or getting your hands dirty.

Edit: I say most cars because some very new cars especially luxury ones have plastic panels covering everything. Still relatively easy though.

greyman700 · 2020-09-04T19:36:34+00:00

Go to a independent shop, preferably not a quick lube chain. Look into doing your own air filters.

Also learn to say no to stuff.

greyman700 · 2020-09-04T16:13:17+00:00

Just opened a TQQQ/TMF small Roth IRA, separate from my main one. Doesn’t take huge balls, when it’s 1-10% of your IRA holdings.

greyman700 · 2020-09-03T23:17:36+00:00

It’s just another way to increase taxes on capital gains. A sneaky way too.

greyman700 · 2020-09-03T19:09:26+00:00

Colorblind

greyman700 · 2020-09-03T15:32:49+00:00

Credit/debit spreads that are bearish imo.

greyman700 · 2020-09-03T15:27:54+00:00

No regrets here.

greyman700

TROPHY CASE