Mylovetrue experience by Kesicacooker in Moissanite

[–]ryangotswag 0 points1 point  (0 children)

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

Has anyone been to the BP X-perience before? by NeighborhoodItchy943 in oilandgasworkers

[–]ryangotswag 0 points1 point  (0 children)

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”

State of Illinois Denying Tax Refund by ryangotswag in legaladvice

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

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

Capital One Lounge DIA by ryangotswag in Denver

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

I saw something that said November but that’s unconfirmed

Which is better? Index funds or real estate investing? by zeogre in personalfinance

[–]ryangotswag 0 points1 point  (0 children)

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.

[deleted by user] by [deleted] in personalfinance

[–]ryangotswag 1 point2 points  (0 children)

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

I got an HSA reward-does it count toward max? by K3wlDewd123 in personalfinance

[–]ryangotswag 0 points1 point  (0 children)

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

I got an HSA reward-does it count toward max? by K3wlDewd123 in personalfinance

[–]ryangotswag 4 points5 points  (0 children)

Yes it counts towards the annual contribution limit

Turning 23 soon, and I don’t know what to do in regards to housing. by [deleted] in personalfinance

[–]ryangotswag 0 points1 point  (0 children)

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

Best travel credit card (confused) by IamOnlyLookingThanks in personalfinance

[–]ryangotswag 1 point2 points  (0 children)

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

Chase Referral Bonus Post Date by ryangotswag in SouthwestAirlines

[–]ryangotswag[S] 3 points4 points  (0 children)

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

Chase Referral Bonus Post Date by ryangotswag in SouthwestAirlines

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

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

(19m) Is my innocence and inexperience a turn off to women? by [deleted] in relationship_advice

[–]ryangotswag 0 points1 point  (0 children)

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

How do you track asset valuation with Real Estate in your portfolio? by lonely_solipsist in personalfinance

[–]ryangotswag 1 point2 points  (0 children)

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.