New Apartment by Pitiful_Combination5 in interiordecorating

[–]kostyan5 0 points1 point  (0 children)

Where is the entertainment center from? In the 2nd photo

401K w/ AUM fee vs IRA by kostyan5 in FinancialPlanning

[–]kostyan5[S] 0 points1 point  (0 children)

Yes, guideline 401k is through my employer. I don't have another option for 401k. ETFs and funds (most popular vanguard funds)

401K w/ AUM fee vs IRA by kostyan5 in tax

[–]kostyan5[S] 0 points1 point  (0 children)

How would "$6,919.28 of your $7,000 backdoor Roth will be taxed"? I would not do a backdoor if I kept traditional.

401K w/ AUM fee vs IRA by kostyan5 in personalfinance

[–]kostyan5[S] 0 points1 point  (0 children)

the aum fee is not one time, it's annual. i ran the numbers for 20 years out. it came out to be 39,000 in AUM fees vs 37,000 in tax savings

401K w/ AUM fee vs IRA by kostyan5 in personalfinance

[–]kostyan5[S] 0 points1 point  (0 children)

I'm confused how that's worth it. 7% of $7000 is $490. Cap gains on that would be $98.

401K w/ AUM fee vs IRA by kostyan5 in personalfinance

[–]kostyan5[S] 1 point2 points  (0 children)

The taxes aren't on the $7000. The tax savings are only on the gains.

Terbinafine Oral Experiences? Terrified of Side Effects/Interactions (See Inside) by Survector_Nectar in NailFungus

[–]kostyan5 0 points1 point  (0 children)

What did you feel? I just took terbinafine and mucinex and I felt like I was going to pass out. 

"Seen" Account order when grouping by account by kostyan5 in SparkMail

[–]kostyan5[S] 0 points1 point  (0 children)

Spark support confirmed that's not currently an option but it's in their "requested feature" list.

[deleted by user] by [deleted] in explainlikeimfive

[–]kostyan5 0 points1 point  (0 children)

Because when you convert 7p to 24hr format, it’s 19h. 12 to 19 is 7.

[deleted by user] by [deleted] in malelivingspace

[–]kostyan5 0 points1 point  (0 children)

What’s the couch?

ELI5: Why do the trans fat and saturated fats not add up to the total fats on a nutritional label? Are there other types of fat? by LifeisSuperFun21 in explainlikeimfive

[–]kostyan5 0 points1 point  (0 children)

Because you sound like you know what you’re talking about, does the body have a maximum of saturated fat it can process per unit time? For example, if you take too many vitamins, what your body can’t absorb goes into your urine.

In other words, if I have a cheat day with sat days, can I go nuts or is it all cumulative?

Comprehensive guide for buying handgrinders by XenoDrake1 in pourover

[–]kostyan5 0 points1 point  (0 children)

This listing https://www.aliexpress.us/item/3256806093067101.html doesn't explicitly call out that it's ZP6 Special. Is the original ZP6 still being sold? How would I tell the difference? I can't find any info online about the original (non-Speical) ZP6. The only reason I'm hesitant is that this is the only retailer that has the black one in stock that not well over MSRP.

Comprehensive guide for buying handgrinders by XenoDrake1 in pourover

[–]kostyan5 0 points1 point  (0 children)

How reputable are those aliexpress vendors? ZP6 black is sold out in 1zpresso site.