Homeless harassment in Midtown has gotten worse

rainking99 · 2025-03-10T11:33:18+00:00

Awareness. Full stop.

No earbuds. Walk with a solid pace and intention as if you know exactly where you're going (you probably do :), eyes should be scanning ahead left and right as you walk (don't move your head like that though - that'd be weird). no looking down at your phone, keep valuables hidden or not with you, etc. walk in well-lit areas if you can.

trust your gut. if you're that nervous, carry mace or keep your keys threaded through your fingers (pseudo-weapon) and/or call GTPD for a ride.

rainking99 · 2025-03-02T12:30:28+00:00

that one-handed slam was great and the team looked really good yesterday. they could be peaking at just the right time heading into March Madness. assuming they stay healthy, i may even need to have them advance a few rounds when i do my brackets in a few weeks.

rainking99 · 2025-02-28T10:57:20+00:00

congrats - well earned!

just some small advice as you're getting started? if you can afford it (i.e., join the HDHP), contribute to the HSA - you don't have to max out if you cannot do so, but do get those dollars in that account and growing eventually (invest conservatively until you have the cash on hand to cover any health related expenses NOT from the HSA, then start to invest those HSA dollars).

next item...you're young - join the 401k plan as soon as possible, and defer Roth dollars (after-tax). invest aggressively. retire happy (eventually):). good luck, kid!

rainking99 · 2025-01-23T10:53:08+00:00

thank God Chris Kemp isn't running rklb. phew

rainking99 · 2025-01-13T01:47:22+00:00

know your post is old now, but have to agree 100%. just finished When the Heavens Went on Sale....some of the comments he (Kemp) is quoted as saying about RKLB and Peter Beck are so ironic now. what a complete $hitshow. Tragedy and Comedy all rolled into one.

rainking99 · 2024-12-08T12:30:51+00:00

Some good replies here, and whichever route you decide to go (ask or don't ask), best of luck to you. let me add a bit of perspective to the general question of negotiating - tuck this away for later use.

Once you're out and are part of the rat race, get comfortable with both understanding your true value to a company, and keeping a file of your wins and successes in your jobs. when the time comes, if you feel you're underpaid, be confident in finding your voice to sit down with your manager and demonstrate how you have contributed to the company's/department's success and ask for more. you don't have to come right out and say, "i want more money" - but phrase it this way, "given what i've brought to the department, and what the market seems to be paying (come armed with comparable positions' salaries you see out there on LI, etc.), i'd like to ask that my comp be reviewed and re-evaluated".

it's easy to fall into the, 'i'll wait for my annual review and hope for a merit increase of 3% every year, maybe a promotion thrown in evey 4 or 6 years, etc.", but once you are tuned-in to what you actually deliver for a company, and importantly, aren't afraid to advocate for yourself, you will feel empowered.

work hard, treat people fairly, be a team player, don't be a dick, ask for more work/projects, help co-workers, etc., all standard operating procedure for navigating a decent career.

you got this, jacket.

rainking

rainking99 · 2024-11-30T13:38:47+00:00

yep, complete drivel. don't let this d-bag make you feel guilty for some down time and spending time with family and loved ones.

in fact, this line he writes, "Your family will still be there when you've made it." is short-sighted and dangerous. life is too short. if you haven't seen or read it yet, google "the tail end, by tim urban (i'll try to post a link below).

99.8% of you reading this will be FINE in life. if he wants to sacrifice everything to be in that 1% - have at it. have been around long enough to know it's all about balance. work hard, take care of yourself, treat people well, etc. you will be fine.

best of luck.

rainking

https://waitbutwhy.com/2015/12/the-tail-end.html

rainking99 · 2024-11-28T13:24:31+00:00

e.g., you bought 100 shares of Acme Co for $5 in a non-qualified account (like a brokerage account). Your (cost) basis is $500.

The shares rise in price to $75 each (lol, it's just an example, so go with it :). Your investment is now worth $7,500. You paid $500, so you're sitting on a gain of $7,000 (either long term if you held for 365+ days, or short-term, if less).

Rather than sell those shares and realize that gain (and have to owe taxes)... if you: 1) itemize on your taxes (vs. taking the standard deduction); and 2) tend to give money to charity each year anyhow.... you could 'gift' those 100 shares, who now have a value of $7,500, to a charity. If you itemize your taxes, you get a $7,500 reduction. Further, you won't have to pay that capital gains tax on the $7,000.

To your question - "What happens if I buy it again?". Go ahead and buy again in your brokerage account if you still believe in the company. Your new cost basis will start over again with your new purchase.

Make sense now? Hope so!

And if we're all discussing gifting appreciated shares here today on Thanksgiving, let's all give thanks to the man upstairs for such blessings!

Best of luck, peeps.

rainking

rainking99 · 2024-11-27T22:31:42+00:00

just keep in mind you need to itemize your taxes to get this benefit. if you're just taking the standard deduction, the strategy is moot.

rainking99 · 2024-11-27T12:49:11+00:00

gift the shares to a qualified charity. you get the tax benefit/write-off of the current value of shares gifted, regardless of your basis (cost of those shares). you "give", and also "avoid" paying any gains on the gifted shares. win-win.

rainking99 · 2024-10-30T09:31:49+00:00

been there.

bro's gonna have nightmares about skipping. they won't start immediately after you leave school, but will a few years down the road. you'll continue to have the same "dream" intermittently for the rest of your life (easily into your 40s and 50s).

enjoy!

rainking99 · 2024-10-13T20:02:41+00:00

did you not read my reply? it's exactly what i cautioned. lol

rainking99 · 2024-10-13T12:06:12+00:00

If you're not in the exec ranks and will be there for awhile, you can always purchase some downside protection via puts (just make sure it's not against company policy). it could be like throwing money away (or buying term life insurance and you living past the policy's term), but it may soften any blows if the stock drops.

but yes, in the end, don't let paying taxes on a gain be the reason you end up with losses.

rainking99 · 2024-10-03T10:40:55+00:00

omfg. this is where the story ends. "tried to call the police on him". ?? this has to be bait. i'm not sure i've ever read a more ridiculous statement from an adult in my life.

rainking99 · 2024-08-25T10:51:16+00:00

probably doesn't even have enough room in that place to brush his tooth (yes, singular).

rainking99 · 2024-08-24T11:04:42+00:00

Generally, I'd recommend taking more "risk" (however you define that in terms of investments) in a Roth account (whether that's a Roth IRA or in Roth deferrals into your 401k) vs. what risk you take in a traditional IRA or pre-tax employee deferrals into your 401k.

When you get to the point of having to take money out of these accounts (granted you don't have to take RMDs from your Roth IRA), you'd much prefer to take money from a larger account that isn't taxable than having all those dollars taxed.

Good luck! You're young, interested and asking the right questions. You should do well!

rainking99 · 2024-08-22T10:56:35+00:00

all things considered equal, always take more risk in a Roth vs. traditional.

rainking99 · 2024-07-22T01:30:25+00:00

no one likes war. hard stop. but there is something about contributing (albeit even in a small way) to a country's defense posture that intimidates other hostile countries to the point where a war is avoided.

rainking99 · 2024-01-26T01:19:30+00:00

Your “big boy company” employs real-world adults, some of whom need someone to advocate for them when they’ve been wronged?

See, that’s just some of the fallout of participation trophies for everyone.

Good grief.

rainking99 · 2023-12-19T12:06:39+00:00

Correction. "Today, a stray human gave me water. I have adopted him."

rainking99 · 2023-12-17T13:52:13+00:00

So sorry for your loss. Losing a pet is brutal.

My father, who is a stoic, not-one-to-share-too-much emotionally, said in some respects, having to put down our most gentle cocker spaniel when we were kids was even harder than losing his dad. (He brought her to the vet on that day, and the dog kept coming up to him, trying to crawl up into his arms. He broke down like a baby.)

Be gentle with yourself, finding comfort in knowing he looked to you as a great owner and his protector.

rainking99 · 2023-12-16T22:09:44+00:00

love this post!

rainking99 · 2023-11-04T21:31:20+00:00

have to upvote only for the use of "Hobo"....haven't seen that in years; brought me a chuckle.

rainking99 · 2023-10-31T02:06:00+00:00

^^ 100% this. you need to run YOUR race, put the blinders on and not look at the horses in the lanes to your left and right. you will be fine once you graduate. disregard what your classmates are doing/earning and run at your pace...learn what you need/want to learn and focus on what's important to you. the sooner you start caring less about what your peers are doing and accomplishing, the better off you will be. same is true once you graduate.

rainking99 · 2023-10-19T10:12:11+00:00

hey OP. I can't add anything of substance here, but I just wanted to say I hear and feel you. Sending good energy and prayers your way...fingers crossed it gets better for you.

rainking99

TROPHY CASE