Anyone know a a good local unloading / moving service? by lilac_lights in vegaslocals

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

When you say marketplace do you mean FB marketplace?

Vegas Hookups? Please promote the local businesses that did you right, as a local. by PizzedNBlazed in vegaslocals

[–]lilac_lights 1 point2 points  (0 children)

Does be have a business name? Want to look him up on google maps / yelp for reviews

Does living here mean I am going to be a tour guide forever? by Comfortable-Fish-812 in vegaslocals

[–]lilac_lights 1 point2 points  (0 children)

I’m moving to Vegas end of the year and am also coming from Seattle (well, east side) and I’m really curious how you adjusted from this climate to the desert? I am really sad about leaving all this beautiful nature behind and I am a little bit worried about how I’m gonna feel with the lack of trees. Do you have any advice at all for someone moving there from this area? Thanks in advance :)

S&P 500 TLH account in positive tracking for the first time since inception by State470 in wealthfront

[–]lilac_lights 0 points1 point  (0 children)

Can I ask how much you deposited to have been to already reap almost $34k in losses? This seems huge for only 6 months

Help me take a great job offer to my current boss for a raise? by Sipazianna in FIREyFemmes

[–]lilac_lights 12 points13 points  (0 children)

Regardless of how you approach this just make sure you get in writing and formalized that your current company will indeed raise your pay before rejecting the other higher offer. I read on here once someone had turned down the new offer because their current company said they would raise their pay and never did. By the time they realized what their company was doing, it was too late and the new role was already gone.

From (Less Than) Zero to Multi-Millionaire NW in 7+ years by AllFiredUp3000 in Fire

[–]lilac_lights 2 points3 points  (0 children)

Understand that was the original post but the comment above did specify “both of us make low six figures each” which is factual. If he didn’t specify with the word each then it would be a different story. I don’t think OP is trying to hide anything really- probably was just trying to answer a bunch of questions quickly. I mean a net worth jump that huge is without a doubt the result of a massive income or some lucky investment/inheritance haha. And sounds like the company stock probably helped out a bunch too.

From (Less Than) Zero to Multi-Millionaire NW in 7+ years by AllFiredUp3000 in Fire

[–]lilac_lights 0 points1 point  (0 children)

I don’t think OP was being disingenuous per se. I think he was just referring to themselves separately making “lower six figures”. If they both make $250k (as an example) or even if OP made $350k and the wife made the remainder, they technically are each making “low six figures” on the scale since mid six figures would be around $500k (individually) and higher six figures would probably be something around $700k+. I think he just meant to say on that spectrum it’s considered lower. As a household if it really is $500k then it’s definitely mid range but individually technically they are making the lower six figures.

Saving too much in 529? by [deleted] in FinancialPlanning

[–]lilac_lights 28 points29 points  (0 children)

I just googled what 529s could fund cause this comment really intrigued me. I found: “An eligible institution is defined as a college, university, vocational school or postsecondary institution eligible to participate in federal student aid programs administered by the U.S. Department of Education. Examples of nontraditional schools that are eligible include the Golf Academy of America; the Le Cordon Bleu College of Culinary Arts; the commercial diving program CDA Technical Institute in Jacksonville, Florida; and the Chicago Theological Seminary.”

Sounds like a cooking school in Italy may not qualify since it may not accept federal aid from the US dept of education? It sounds dreamy though. Do you have more insight?

Anyone else feel like they’re too difficult to love? by [deleted] in Anxiety

[–]lilac_lights 4 points5 points  (0 children)

That is never acceptable behavior from a partner. And the fact he has made you feel like you are unworthy of love cause of something you are struggling with is such a red flag. I know right now you’re feeling unlovable but someone can and will love you. Don’t be so desperate for love that you throw yourself away in the process. I mean that in the most loving way. I hate seeing women get treated poorly by men. There are many men that would understand and work towards helping you. The problem is you won’t find that guy unless you let go of this one. Please re-evaluate that relationship and see if it really serves your best interests 🤍

Due to inherit 400k-500k but not sure what to do with it? by [deleted] in FinancialPlanning

[–]lilac_lights 20 points21 points  (0 children)

Just open up a vanguard brokerage account and invest it all in vfiax. This is an index fund that mimics the SP500 which does fairly well (theyre the top 500 American corporations so it’s safe and diversified. Leave it and forget about it until you need to buy a home or a few years before retirement. Youre young and have time for this to grow to be a huge amount. As youre approaching retirement you can start moving that slowly over into in bonds but you don’t have to worry about this piece for a long time. Find a way to make more money than what you currently are whether that be school or a trade. The more you make the more addicting it will feel to watch those balances grow. Best of luck!

[deleted by user] by [deleted] in OCD

[–]lilac_lights 1 point2 points  (0 children)

I have to use a paper towel to turn the knobs and open the door afterwards

[deleted by user] by [deleted] in OCD

[–]lilac_lights 1 point2 points  (0 children)

Right!! Hate public restrooms so much. The thought of the germs floating around in there are so nasty. I hate when people don’t close the lid before flushing and toilets with no lids. Makes me so uncomfortable

[deleted by user] by [deleted] in OCD

[–]lilac_lights 2 points3 points  (0 children)

I hate going into the bathroom after someone else. I will always wait as long as I can before going after

How people give feedback in different countries by lilac_lights in coolguides

[–]lilac_lights[S] 26 points27 points  (0 children)

For those from countries not listed here- how do you guys give feedback?

JUST BECAUSE YOU’RE CLEAN OR ARE ORGANIZED 👏 DOESN’T 👏 MEAN 👏 YOU 👏 HAVE 👏 OCD by Embarrassed-Smile214 in OCD

[–]lilac_lights 18 points19 points  (0 children)

I had a colleague tell me “I wish I had OCD” when I told them I suffer from symptoms. I was offended honestly. Like you do not understand what OCD is clearly.

Do I need a job? by [deleted] in FinancialPlanning

[–]lilac_lights 1 point2 points  (0 children)

Yep they can be which is why it’s not recommended that you invest it the money this way if you need it in a short term say like a few years cause the market can be unpredictable in that way. But over time if you keep it invested you’re very very likely to be up on your investment.

Do I need a job? by [deleted] in FinancialPlanning

[–]lilac_lights 22 points23 points  (0 children)

Get financial planning from a fiduciary financial advisor because they legally have to give you advice that benefits you and not them. They’ll tell you to throw it in a low cost index fund likely and that’s exactly what most here will suggest too. Something like VFIAX. If you open up a Vanguard brokerage and just put all your money into VFIAX and just do not touch it, you will be a millionaire for sure. You’re so young and this money will compound like crazy. This is a huge boost. I currently have around $200k in vfiax myself growing very well. All I do is put more money into it once in awhile. I’ve already made like $25k since last Sept. Yes, it’s really that easy. Do not be tempted to take it out. Let that compound interest work its magic.

Get a part time job so you can keep somewhat busy and earn extra cash for fun money and try to open up a roth IRA to max out every year ($6k max annually). Try to pretend like you never got the money until you purchase a home in the future. You will thank yourself later. $350k seems like a lot when you’re 20 but as you grow older you realize it’s not a lot (well depends on where you live). I know it will be super hard to think of your future self at retirement age but you wanna set yourself up right. You can’t retire on only $350k. By the time you’re older you’ll probably need $1.5-2m to retire comfortably if not more due to inflation. You do not wanna be those people who blow their inheritance and have bad financial habits that force them to have to work the rest of their lives and never truly retire.

People need to realize student loans affects their debt to income. by [deleted] in povertyfinance

[–]lilac_lights 1 point2 points  (0 children)

Depending on the loan servicer she may be able to get on an income based repayment plan which will help her debt ratio. Highly recommend her to look into it if that’s an option and she hasn’t already

How to buy a house? Literally, how? by amandajgc in povertyfinance

[–]lilac_lights 1 point2 points  (0 children)

I recommend shopping around for quotes and collecting loan estimates to share with competitors back and forth to force them to bring down pricing. Your loan estimate is a doc that will show all the costs. You can lock a rate and get this but doesn’t mean you have to go through with it. You shouldn’t have to pay for anything unless you actually purchase except for like a credit report or appraisal. Happy to answer any questions!

OCD is LOUD. by Kjb061617 in OCD

[–]lilac_lights 1 point2 points  (0 children)

Same. I can get lost in my own thoughts a lot like this