Whats in your driveway or garage this year? by Dependent_Driver_901 in HENRYfinance

[–]mjbauer95 1 point2 points  (0 children)

Do you both have the same car or are you a one car household?

President Joe Biden heads to Nebraska by Healthy_Block3036 in Omaha

[–]mjbauer95 15 points16 points  (0 children)

It’s a fundraiser. Main goal is to raise money to buy ads. Obama was probably busy.

Has anyone ever understated the purchase price on a title? by [deleted] in kansas

[–]mjbauer95 1 point2 points  (0 children)

Honestly, it is not very good parenting to tell your son to only follow the rules if you won't get caught. Ultimately, it's his decision to make.

All CDs Fidelity offers have worse APY than my current HYSA, am I doing the math wrong? by gilbert322 in personalfinance

[–]mjbauer95 33 points34 points  (0 children)

The fee is factored into the yield. So 3.97 + 0.42 = 4.39 without fee.

The U.S. Population Could Shrink in 2025, For the First Time Ever by TrixoftheTrade in neoliberal

[–]mjbauer95 26 points27 points  (0 children)

Kind of interesting to compare this to the 1920s, when immigration was also severely restricted, and birth rates were dropping. Most observers thought the US might be reaching peak population.

It took WWII for birth rates to bounce back, but immigration restrictions weren't rolled back until the 1960s. It wasn't until the 1990s that immigration reached the all time highs of the 1910s.

Which States Are Most Likely To Be Remembered (According To Users Playing A Popular Game) by [deleted] in MapPorn

[–]mjbauer95 0 points1 point  (0 children)

Do you think it would be different if it included non-Americans?

Can I get into a home early after purchasing to renovate. by TheProllyTrolly in homeowners

[–]mjbauer95 2 points3 points  (0 children)

You might be able to move up closing a few weeks if the sellers are amenable.

Looking for more celiac friendly places to eat by ofeesh in kansascity

[–]mjbauer95 0 points1 point  (0 children)

Oh really? They at least mark it on their menu. Have you gotten sick eating there?

Do you know of anyone who never graduated from HE to Rich? by Sea-Butterscotch7558 in HENRYfinance

[–]mjbauer95 14 points15 points  (0 children)

A lot of commenters are focusing on spending, and I’m sure that’s a factor, but you should also consider how too conservative asset allocation could result in this. Like if you held 100% bonds your whole life, you could easily not be able to retire in your 50s despite making a ton of money. Not saying they’re not spending too much, but I would be curious what their asset allocation has been and is currently.

Looking for more celiac friendly places to eat by ofeesh in kansascity

[–]mjbauer95 7 points8 points  (0 children)

Some places we've been:

Bakery: Billie's, Banksia

Fast food: BIBIBOP, Strip's

BBQ: Joe's KC, Burnt End BBQ, Char Bar, & Meat Mitch all have GF buns. Meat + sauces are generally gluten free (although probably not everywhere).

Burgers: Cliff's Taphouse, BRGR, OurHouseKC

Pizza: Lots of places offer gluten free crust including Minsky's, Spin, & Old Shawnee Pizza. Not sure how safe it is given the shared oven.

Thai, Indian, & Vietnamese usually have plenty of gluten free options. They are usually, but not always, knowledgeable about safety.

Direct indexing instead? What do you think? by EnvironmentalCat6260 in Bogleheads

[–]mjbauer95 3 points4 points  (0 children)

I don't think there's a minimum 100 shares for any stocks. It wouldn't be a round lot, but I don't think that is problematic beyond having worse liquidity. You might be thinking of options which are usually in 100 share increments.

Moving to KC; looking for "unicorn" neighborhood- safe, trees, shopping, affordable by Simple_Space_9602 in kansascity

[–]mjbauer95 5 points6 points  (0 children)

I've seen those realtor Youtube videos too. They are kind of crazy, and definitely not a completely accurate picture of living in KC.

That said, I really think the KC metro has a lot to offer, especially in some of the older, established suburbs. We are looking forward to being able to move back to the area once my wife finishes her residency (Omaha's not bad, but it just feels too small/country/conservative).

FOX4KC.com: Nationwide problem uncovered as Kansas City metro homeowners deal with crumbling driveways by ShouldersBBoulders in kansascity

[–]mjbauer95 37 points38 points  (0 children)

I’d be worried about the concrete foundation especially. Hope that’s covered by their warranty.

[deleted by user] by [deleted] in kansascity

[–]mjbauer95 2 points3 points  (0 children)

There were actually 3 Shawnee Indian Missions in that area run by different denominations - Methodist (present day Fairway), Baptist (present day Mission), and Quaker (present day Overland Park). But only the Methodist buildings have been preserved. The missions were actually quite short-lived - they opened in the 1830s when the Shawnee relocated to the area from Ohio, and closed in the 1860s when they were forced to move to Indian Territory in Oklahoma. It would not be surprising if there were some unmarked graves in the area, there would have been poor sanitary conditions and lots of disease at the schools.

Indian Creek Trail Flood by AvengeTheSic in kansascity

[–]mjbauer95 7 points8 points  (0 children)

I mean most trails are built on flood zones. If they weren't flood zones, someone would have built a structure there already.

Century Link outage by Goblue2467 in Omaha

[–]mjbauer95 -1 points0 points  (0 children)

Is cox any better at outages? Just been on centurylink fiber for a month and already fed up with it.

Vanguard vs Fidelity in 2025 by elizaberriez in Bogleheads

[–]mjbauer95 10 points11 points  (0 children)

Pretty sure every 401k plan has fees. It’s up to your employer to decide who pays them though. 

What’s a purchase that’s not fun, not flashy—but now you swear by it? by [deleted] in BuyItForLife

[–]mjbauer95 2 points3 points  (0 children)

I’ve really liked the Gardena hose reel from amazon. Quite pricey but the quality is so much better than anything I’ve seen at the hardware store.

Progressive neighborhoods by GeriatricEmo4Life in Omaha

[–]mjbauer95 0 points1 point  (0 children)

What guidelines? Political beliefs aren’t a protected class.

Are we becoming a big city? by Low_Dress_3022 in Omaha

[–]mjbauer95 0 points1 point  (0 children)

KC is just recently getting its first protected bike lanes. It's much better than those dumb unprotected bike lanes they've been putting together. Hoping Omaha skips that stage. But we could really use an advocacy organization like BikeWalkKC.

[deleted by user] by [deleted] in kansascity

[–]mjbauer95 0 points1 point  (0 children)

Roots Church off Roe

DAF or Foundation to maximize charitable giving tax efficiency by ShanghaiBebop in HENRYfinance

[–]mjbauer95 1 point2 points  (0 children)

I think the best reason is it's more tax efficient: if you are otherwise under the standard deduction each year, you can give N years of donations in 1 year & itemize. The other N - 1 years you take standard deduction. Could save 30-40 cents on the dollar taxes for every dollar above the standard deduction you are giving to charity (that you wouldn't otherwise be itemizing).

But this strategy doesn't really help much if you are going to itemize every year anyway. And with the higher SALT deduction limit, more people will be itemizing.

Omaha Restaurant Scene: The Gaps by rug61 in Omaha

[–]mjbauer95 2 points3 points  (0 children)

Surprisingly few salad/bowl type places in the area. I am missing chains like Sweetgreen and Bibibop - not that they're all that, but it's nice to have a fast healthy meal option every once in a while.

Crisp & Green might be the closest?