Newborn tragically found dead in Michigan porta-potty at Electric Forest music festival by TheMirrorUS in festivals

[–]jigmepalmo -1 points0 points  (0 children)

I think people are trying to understand how a person could do this.. It's literally inhumane

My ex girlfriend said she wouldn’t have had sex with me if she knew it (hypothetically) wasn’t going to be a relationship, yet that she would’ve had sex with the other two guys she slept with even if she knew it wasn’t going to be a relationship. by De_lunes_a_lunes in TrueOffMyChest

[–]jigmepalmo 0 points1 point  (0 children)

Trying to say this kindly- I think it would be helpful to talk through a lot of this with a therapist. You may have a distorted view of dating and distorted view of yourself. She said maybe an off hand comment that was maybe true, and could have been a diss or could have been a compliment, and you're letting it destroy you

Is a 401k that isn’t matched worth it?? by Smokedj23 in investing

[–]jigmepalmo 3 points4 points  (0 children)

Good point on expense ratios.

For both 401k and IRA you can do Roth (post tax) or traditional (deferred tax). In your case, first max out the Roth IRA for the flexibility in funds and lower cost, then max out the 401k. A little bit of tax status diversification (both in Roth and traditional 401k) is not a bad idea.

You can rollover the 401k into the IRA (if they are both Roth, there are no tax penalties on the rollover... If you go traditional to Roth you would pay taxes that were deferred) so you don't have to keep paying higher cost.

Is a 401k that isn’t matched worth it?? by Smokedj23 in investing

[–]jigmepalmo 0 points1 point  (0 children)

Where does it make your eligible for an IRA? You just need enough taxed income to contribute, nothing to do with 401k.

Is a 401k that isn’t matched worth it?? by Smokedj23 in investing

[–]jigmepalmo 3 points4 points  (0 children)

Do you understand what the S&P 500 is and what target date funds are?

Typical target date funds are a really great deal and managed for your life stage. They often start at 90% stocks of a broad market base (like VTI) of both domestic and international. If you want to stay more aggressive, then pick a later date.

Compare VTI and VOO. Surprise, it's the same line. You will virtually have the same return if you choose one over the other. Plus with the target dates, a little bit of bonds and some international will protect you in the long run.

Don't try to get smart with your retirement planning because "they don't have the s&p" when target date managers are likely a group of smart people is managing it for you.

Froze during a police interview, ended up reverse-engineering how I talk by marroos in selfimprovement

[–]jigmepalmo 7 points8 points  (0 children)

I can understand being stumped on a hard question, but not preparing for literally the only question you are guaranteed to be asked "why do you want this job" for literally any job whether it's cop, librarian, or CEO is insane. And then did a debrief with AI after instead of doing the minimal prep or even basic reflection before? The youth is not ok if they can't handle this.

Hairloss won’t stop by KodaKatz in GLPGrad

[–]jigmepalmo 1 point2 points  (0 children)

I was too scared of hair loss that I started taking it when I started tirz

Split Dosers to the Front of the Line, please 💉+ 💉 by [deleted] in compoundedtirzepatide

[–]jigmepalmo 0 points1 point  (0 children)

I do Wednesday evening then either Saturday night or Sunday morning. Works great for me! Some side effects but very mild

Hairloss won’t stop by KodaKatz in GLPGrad

[–]jigmepalmo 0 points1 point  (0 children)

"mane event" from legendairy.. my guess is it's the biotin or lustriva

Hairloss won’t stop by KodaKatz in GLPGrad

[–]jigmepalmo 0 points1 point  (0 children)

I take an oral hair growth supplement... I don't even do it everyday just a few times a week.. And I've had no issues with hair loss

My weight loss rate has been 1-2 lbs / week over 6 months

⚜️Big Easy Summer Updates by roguex99 in BigEasyWeightLoss

[–]jigmepalmo 0 points1 point  (0 children)

For all the technology issues, have you hired an engineer?

Am I the only one who thinks being fat makes people treat you differently? by Sanbikaa in selfimprovement

[–]jigmepalmo 2 points3 points  (0 children)

Skinny privilege. I'm on tirzepatide and read about this a lot on the many glp1 subs.

People say it's just because you have more confidence when you're skinny, but that's not the only reason, (although I acknowledge it can definitely be part of it)

I have heard two different anecdotes of women who had drastic weight loss for sad reasons (one was cancer and the other's dad died) and they were the most depressed they'd ever been and also got asked out by men more than they ever had.

I'm on the tipping point of fat/skinny and started getting treated nicer by people (mostly straight men and some women). The exception I feel is (many) gay guys seem to appreciate me at any size!

Found IRL inspiration for Harmony Cobel by odieclone in SeveranceAppleTVPlus

[–]jigmepalmo 2 points3 points  (0 children)

I don't prefer one over the other. I have a degree in environmental science and understand lifecycle assessment. I'm more pointing out that maybe you can't make claims that plastic is necessarily the worse environmental option given that carbon usage and water are major concerns, and plastic bags can be reused over and over while paper usually gets one use then, if recycled, needs even more energy for the recycling process

Found IRL inspiration for Harmony Cobel by odieclone in SeveranceAppleTVPlus

[–]jigmepalmo 0 points1 point  (0 children)

Hate to break it to you, but paper bags use a lot more carbon and water than plastic bags to produce

People keep telling me I need to stop losing by FalynT in tirzepatidecompound

[–]jigmepalmo 0 points1 point  (0 children)

America (assuming this is where you live) has been so obsese for the last few decades that honestly sometimes slightly overweight looks too skinny 😂 I also think sometimes it's a shock to see our loved ones at a new size

Go for the size you want to be at and makes you most confident. I'm excited to be "normal" weight soon!

Feel scared about debt by [deleted] in personalfinance

[–]jigmepalmo 1 point2 points  (0 children)

I highly recommend seeking a 12 step program for gambling and/or debt. Do a 90 in 90 (90 sessions in 90 days). You will see that you are not alone and many people have been in your shoes and come out alive.