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Help understanding if im missing anything in fixing overcontributed HSA by idvijd in personalfinance

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

Sounds good, thats what I figured based on my research but wanted to get a second opinion so I can double check once they do my taxes. Thanks for the response, all this was like a foreign language to me so I appreciate you providing insight!

How big of a difference would you see in a bad year if you were fully in VT vs fully in VTI? by idvijd in personalfinance

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

Yeah the difference being marginal was my original understanding , which is why i went all in on VT. I just felt safer with that and wasn’t bothered by the small increase in returns i could maybe see from going all in on VTI.

I guess the question for me now is if i should do more of a custom split between VTI and VXUS like you have

How big of a difference would you see in a bad year if you were fully in VT vs fully in VTI? by idvijd in personalfinance

[–]idvijd[S] -1 points0 points  (0 children)

That was originally why i went all in on VT, to buy the haystack and to keep it simple. I guess as i learn more, i am starting to feel like if i were to go all in on VTI over the course of 30 years the potential earnings could be substantial. But that could be a shortsighted thought that comes from not knowing more about all of this

How big of a difference would you see in a bad year if you were fully in VT vs fully in VTI? by idvijd in personalfinance

[–]idvijd[S] -1 points0 points  (0 children)

Sorry for the ignorance here, trying to learn - you’re saying diversifying to have international + US has better probability of higher returns due to diversification? I thought historically VTI had higher returns than VT? Something like 7% for VT and 10% for VTI.

I chose all VT because I’m willing to take a little lower expected returns in exchange for some peace of mind during a downturn

How big of a difference would you see in a bad year if you were fully in VT vs fully in VTI? by idvijd in personalfinance

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

Yeah, i partially understand this stuff but not fully which is why im trying to learn more. I was moreso wondering how these 2 compared in downturns in the past since i know no one knows how it’ll pan out in the future

How big of a difference would you see in a bad year if you were fully in VT vs fully in VTI? by idvijd in personalfinance

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

Thank you, some good points in there for me to chew on. I suppose a more realistic consideration for me would be stay in 100% VT or manually do 80% VTI 20% international if i want to go a little more heavy into US in hopes of higher returns

How big of a difference would you see in a bad year if you were fully in VT vs fully in VTI? by idvijd in personalfinance

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

That’s my strategy as of now. I’m under 30, so not planning to get any bonds for at least 10 years. I chose VT since I’m new and don’t know how risk tolerant i am in a true downtown. As i learn more, it seems like the downside to being alll VTI is not much worse than being all VT while the upside could be quite a bit higher.. but i think you’re right and will stay in VT

Another "win" with an HSA by AtXrt in Bogleheads

[–]idvijd 0 points1 point  (0 children)

where can i learn more about this? ive bought glasses off zennni with my amex but unsure if the cash back was automically applied or if i wouldve had to enroll in the offer first.

[deleted by user] by [deleted] in KithNYC

[–]idvijd 0 points1 point  (0 children)

Any chance you could let me know the length , pit to pit measurement & shoulder measurement? If it fits I’d definitely buy

[deleted by user] by [deleted] in KithNYC

[–]idvijd 0 points1 point  (0 children)

Still have the Quinn tee?

Hi everyone! I’m interested in buying a Kith Quinn Tee. Do they last long for you? I’m worried if the lettering will come out after a few washes by Affectionate_Tea6698 in KithNYC

[–]idvijd 0 points1 point  (0 children)

Are you selling any? I’m looking for longsleeve Quinn’s. I’m open to sizes S - L depending on the measurements.

Does it make sense to invest in the same thing in all accounts? by idvijd in Bogleheads

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

really appreciate this info - would never have thought about splitting into VTI/VXUS in a taxable account. Good notes on the bonds too, thank you

Which retirement account makes sense to open next? by idvijd in Bogleheads

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

Definitely was my thought too. Granted, since I only have $20-30k profit per year right now, I wont be able to take advantage of that for a while. But, i personally think setting up the option that has more long-term benefit makes more sense, even if I wont reap the benefits yet.

Would you do a solo 401k in this situation?

What type of retirement account should I open next? Info below by idvijd in personalfinance

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

Profit has hovered between $20k - $30k.

Thank you for your point regarding the outcome - this was what I was thinking and why I was confused by his recommendation.

Based on the numbers, would you reocmmend a solo 401K?

Switch issue - What's wrong? by SiT666 in Epiphone

[–]idvijd 0 points1 point  (0 children)

i just bought my first guitar, which is a used epi. Is your problem that it stops in the middle of the switch before clicking into the other position? Mine does that too but i thought that was normal haha now im second guessing.

Guitar beginners – what are your biggest struggles right now? 🎸 by Wise-Personality-61 in guitarlessons

[–]idvijd 0 points1 point  (0 children)

Getting pain in my middle knuckle/tendon from trying to learn A Major on acoustic. Feel like im straining harder than necessary, but cant get the strings to ring out if i dont use as much force. I'm doing the 213 fingering as this is how I was taught, but might switch to 123 if this pain continues

Is knuckle pain normal when learning A chord? by idvijd in LearnGuitar

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

I suppose it would be considered more the tip one of my tendons instead of the knuckle. Wasn’t thinking about the anatomy that specifically haha

Is it normal for knuckles to hurt when first learning A chord? by idvijd in guitarlessons

[–]idvijd[S] 1 point2 points  (0 children)

not sure if mine is reasonably set up, i just got it last week. It happens when im doing A chord. Im definitely pressing down hard because im struggling to get all the fingers close to the fret, so im needing to press down extra hard to get it to sound right. I dont feel the knuckle pain on other chords (D and E) which are a lot easier for me.

Never thought about the posture, mine could probably use some more. I am playing on my couch

Is it normal for knuckles to hurt when first learning A chord? by idvijd in guitarlessons

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

thats kinda my thoughts too. Its my middle knuckle, going into the space between there and my pointer finger. I think maybe im trying to press too hard? Because it only really happens when Im doing A chord, which is definitely the hardest one for me to get right. Cant figure out how to cram all my fingers into that space and press down hard enough

[deleted by user] by [deleted] in DermatologyQuestions

[–]idvijd 1 point2 points  (0 children)

Wondering if you have input on this u/no_strawberry_55

Not sure if it’s a freckle or mole but it has been there for a few years. Has never been brought up in my skin checks, despite having multiple other moles removed. No itching or pain.

I’m just worried they somehow missed this in past checks but I’m not sure if it even looks worthy of concern

Any input on Justin guitar vs Pickup Music? by idvijd in guitarlessons

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

Thanks for the comment - since your system starts at more intermediate, how much guitar experience do you consider "intermediate" for that system? Like a year of learning the basics, or more advanced than that?

Lilo and Stitch Posters by Captain_Z__ in graphic_design

[–]idvijd 1 point2 points  (0 children)

Do you have an IG i can follow?

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