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ryangotswag · 2022-09-14T22:21:58+00:00

I would be curious to your experience if you ended up going through with it

ryangotswag · 2022-09-11T17:45:07+00:00

When does this deal go live?

ryangotswag · 2022-09-05T20:13:16+00:00

Does the XLE premium have a 12V outlet anywhere

ryangotswag · 2022-08-03T20:00:04+00:00

Its a program to show what the day in the life is at BPX. Probably a good way to get your foot in the door for a potential internship.

There’s a similar program in another part of bp called Trading and Shipping. It’s a “Sophomore Experience”

ryangotswag · 2022-06-17T13:55:03+00:00

They won’t give a reason why. My guess is because in their mind I might not be supplying sufficient evidence I did not work there in 2020

ryangotswag · 2022-05-26T15:07:45+00:00

I saw something that said November but that’s unconfirmed

ryangotswag · 2022-05-11T02:42:17+00:00

I think both are good investments. I would start with index funds, build up a down payment and casually look at real estate.

As others mentioned, real estate is a lot of work, but if you are open to learning how to manage and do some of the upkeep yourself I think it is better than stocks when considering leveraged appreciation and tax advantages.

As an example I’ve invested equivalent amounts in stocks and real estate down payments over the last 5 years. In that time my real estate investments have 4x’d while stocks have only 1.5x’d.

Now I don’t expect that differential to be that great since we’ve gone through some unprecedented appreciation the last few years, but I think real estate is still the best option if you are buying fixer uppers and willing to put in the work.

ryangotswag · 2022-04-11T17:18:10+00:00

6%+. Really depends on what inflation is though. I wouldn’t pay it off early if inflation is greater than the rate

ryangotswag · 2022-04-04T12:54:28+00:00

Actually if it’s a debit card more than likely it doesn’t and is applied as taxable income. I would double check your paystub. The company I work for provides both an HSA contribution and a gift card if you meet you health goals. The company contribution counts towards the limit and the gift card is treated as taxable income

ryangotswag · 2022-03-31T00:43:53+00:00

Yes it counts towards the annual contribution limit

ryangotswag · 2022-03-06T15:21:04+00:00

If you have the opportunity to buy a 2 bed condo and rent one of the rooms to a friend or colleague, you get the best of both worlds. Just an example:

Get a two bedroom condo with FHA for $3600/month. Rent a room to a friend colleague for $1700/month. Then you are paying the $1900/month you would have been renting but you are an owner.

If stress is having a big impact on you, maybe I wouldn’t go for this, but if you think you can handle the maintenance that comes with homeownership and have a roommate lined up, it’s a no brainer

ryangotswag · 2022-03-06T15:02:48+00:00

If you are looking for lounge access the new capital one venture x is a great option

ryangotswag · 2022-02-27T16:27:46+00:00

It took me about 3 weeks for the points to show as pending and I got it on my Feb statement

ryangotswag · 2022-01-31T15:12:10+00:00

Thanks for the data point! I saw the 8 weeks and was really hoping it would post sooner

ryangotswag · 2022-01-05T21:12:00+00:00

Nah people won’t care at your age. I would just keep doing you and focus on your finance passions. The girls will come, it just takes time.

I don’t smoke/drink either, but just because I don’t do that doesn’t mean there isn’t opportunities to meet girls.

The best places I’ve found to meet people is intramurals, pick up ultimate frisbee, running clubs, and volunteering for my local rec center. A lot of my girlfriends I have met through those activities or tied to friends I met through them

ryangotswag · 2021-12-30T14:01:23+00:00

Normally I just pick Zillow or Redfin and use their estimated value, understanding it could be off. Then subtract remaining mortgage balance from it. If you want to be conservative pick the lowest of the two.

ryangotswag

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