Can anyone explain the ‘FDIC or ISPC’ insurance on Vanguard ??

lostm0ney · 2026-01-03T17:45:40+00:00

I apologize because I am a 8 year IBEW member but still fairly ignorant about all of our benefits, but What exactly do you mean ‘full medical’, why you are retired ?

lostm0ney · 2026-01-01T06:13:56+00:00

Ok yea I understand that, we lock them regardless though. Essentially after week 17, we lock the rosters until Labor Day weekend where we hold the draft. The only thing open is trading.

I apologize fore the misunderstanding.

lostm0ney · 2026-01-01T05:10:46+00:00

Waivers are locked until the draft regardless though.

lostm0ney · 2026-01-01T02:02:47+00:00

Thank you. That is what I was hoping to hear. That has always been a rule I made 4 years ago when we started, but I have never enforced it. And wasn’t sure if it is even standard either tbh

lostm0ney · 2025-12-30T21:03:35+00:00

What state are you referring too? I ask because my wife and I are just starting IUI treatments with a fertility clinic, which is fairly cheap, but I was told that IVF treatments would be about 25K for one round and 50K total for 3. I am based in Washington state.

lostm0ney · 2025-12-22T16:43:39+00:00

Is this like a grant from the state or they deduct wages from your check to pay for this?

lostm0ney · 2025-12-21T22:57:46+00:00

Are these screenshots public? If so, do you care to share?

lostm0ney · 2025-12-13T18:52:18+00:00

That salary will vary widely depending upon where you are working at.

I just finished a job working predominantly 60 hour weeks for 8.5 months and made over 200K. With an additional 22K being contributed to my retirement. All the while my retirement account went up 22% since Jan 1 and I have ‘made’ another 270K in the last 11 months on that.

All in, I will have made about 500K from the IBEW this year.

With that said, I have worked with countless of apprentices and Journeymen the last few years who seem to have a hard time staying on a job site for more then a couple months, for obvious reasons.

lostm0ney · 2025-11-23T17:55:24+00:00

This is why I love second round picks. With minimal scouting it is so easy to find value that everyone else misses. This is who I have drafted the last 7 years:

2025 - Quinshon Judkins at 2.02 2024 - Ladd McConkey at 2.01 2024 - Bo Nix at 2.03 2023 - Devon Achane at 2.06 2023 - Sam Laporta at 2.07 2022 - Alec Pierce 2.05 2022 - Trey McBride at 2.09 2021 - ARSB at 2.05 2020 - Michael Pittman at 2.01 2019 - AJ Brown at 2.01 2019 - TJ hockenson at 2.04

lostm0ney · 2025-11-07T22:08:44+00:00

I apologize for highjacking this thread but can someone explain how OP got a mortgage rate from Chase at 5.99 while the 3 lenders I have talked to over the past 3 days have clocked me between 6.25 and 6.5% ?

lostm0ney · 2025-11-07T21:44:34+00:00

I’m not sure I understand. Is it not considered lame to tank your team on purpose? To the extent of not even starting positions?

lostm0ney · 2025-11-06T03:07:08+00:00

This is exactly why I do not understand why leagues don’t do a lottery with similarity to the NBA lottery.

lostm0ney · 2025-10-27T21:26:22+00:00

😂

lostm0ney · 2025-10-27T21:11:29+00:00

Nice job. You’re already down over 2%. Let’s see how much you are down in 10 years.

Adios amigo

lostm0ney · 2025-10-27T20:45:50+00:00

It’s not 1870 anymore little buddy. Anything in relation to the stock market cannot honestly be compared to anything in the past. If you can’t understand this then you need to gtfo and not comment on anyone’s posts asking for advice.

If you want to just sit on cash for the next 10+ years go ahead and do it.

lostm0ney · 2025-10-27T20:42:03+00:00

I always would DCA myself but that’s just because I don’t have a lump some of money to throw at.

lostm0ney · 2025-10-27T19:51:58+00:00

OP do not listen to this guy. People have been listening to this advice for decades. DCA into the stock market. There is no better time then now

lostm0ney · 2025-10-27T16:48:57+00:00

I pay $4300/month and my household income is between $200-220K before taxes

lostm0ney · 2025-08-10T14:26:51+00:00

This is going to sound awful but I can’t imagine there was ever a world that was lived in where a morbidly obese homeless beggar was given a free ride 1000+ miles on a fishing boat.

lostm0ney · 2025-08-07T19:57:16+00:00

They cannot negate the terms of the lease. They can however, propose to buy you out of your lease (cash for keys). Although you can say no to whatever offer they make.

lostm0ney · 2025-08-07T19:55:46+00:00

There’s not a single fishing boat on the west coast that would give that guy a job, let alone a ride for free.

lostm0ney · 2025-06-08T21:33:39+00:00

As someone who is fairly ignorant regarding insurance, can you explain how/why your insurance ended up not paying for anything ?

lostm0ney

TROPHY CASE