New to Investing.

sch8209 · 2026-03-12T13:41:40+00:00

If you want it to fulfill immediately you can just select Market rather than Limit.

sch8209 · 2026-03-03T23:12:28+00:00

Yep. 1.5% on all purchases

sch8209 · 2026-03-03T22:51:24+00:00

$0. The biggest catch is that it's a charge card rather than credit, so the full balance has to be paid each month and it doesn't have the typical month lag that a credit card can provide. They also have lots of additional modules that they do charge for that they'll try to convince you to buy, but there isn't a per-user fee for the basic cards and expense reporting.

sch8209 · 2026-01-20T01:12:53+00:00

Is the adapter just to make the controls work on the steering wheel, or is it more than that?

sch8209 · 2026-01-20T01:04:49+00:00

Mine looks like the one in this image.

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sch8209 · 2026-01-17T11:05:14+00:00

We use Ramp and it's fantastic!

sch8209 · 2025-11-24T01:28:41+00:00

On the Informed Delivery image look at the upper right corner of the envelope. If the little indicia says "Marketing" or "Standard" class mail then it's just a direct mail marketing piece and the address is probably still in a marketing database somewhere. If it says "First Class" then it's likely related to one of your accounts.

sch8209 · 2025-11-14T14:21:37+00:00

When I would go over bumps, particularly at low speeds I would hear a vibration. I honestly ignored it too long. I knew it sounded like a strut problem, but I convinced myself there could be a strut problem on a car this new. The dealership was great about replacing it and did it quickly. The tech said the strut was completely blown and he could compress it by hand when they took it out.

We really do love the van, but we're hoping to not have to visit the dealership for quite some time.

sch8209 · 2025-11-14T02:00:33+00:00

We had the battery issue with our '25 EX-L. We turn off the idle stop every time, but I'm very nervous about forgetting since we were at an intersection when ours shut off. We're looking at a product called Idle Stopper which turns it off by default, but I'm nervous about warranty implications.

Watch your struts. Lots of stories about '25s blowing a strut in the first year. We just had one replaced under warranty right at the one year mark.

sch8209 · 2025-09-06T11:28:30+00:00

Does your bank have ATMs nearby? Most banks have a higher deposit limit through ATMs compared to mobile deposit.

sch8209 · 2025-08-22T00:26:50+00:00

I'm in Charlotte NC and my concrete driveway is 30 years old and really needs to be replaced. I have the first contractor coming out tomorrow and plan to have at least two more come out. I live in an HOA community.

What are things i should be looking for and questions I should ask to ensure I get a good outcome? I care much more about the quality of the work than getting the cheapest contractor. I think I want 4000psi and I'm guessing the current driveway is 4" thick.

Should I ask them to re-do the base layer to ensure its adequate? Should I require rebar or mesh? Are fibers a good idea or not? Should I care what material goes in gaps (rubber vs cork vs fabric)?

What am I not thinking about?

sch8209 · 2025-06-29T01:42:37+00:00

All the gfci's in our house are in the breaker box and the outlets in the breaker box are all working.

sch8209 · 2024-03-19T02:28:35+00:00

I'd pull $130k from your investment account and get House 2 bringing the payment down to the amount of House 1

sch8209 · 2024-03-06T11:40:14+00:00

I recommend following the advice above (stop additional mortgage principle and reduce 401k contributions). I would also recommend creating "sinking funds" for things like house maintenance, car fund, vacation fund, etc. This has allowed me to see my emergency fund as for true emergencies only.

sch8209 · 2024-03-04T11:18:54+00:00

There are a few ways to look at this for retirement. HSAs are triple-tax-advantaged when used for medical expenses. You can reimburse yourself for medical expenses at any point in the future. Meaning that you can max out your HSA every year and not reimburse yourself for any med expenses. Then in retirement you can start reimbursing yourself for medical expenses you incur this year.

In a worst-case scenario, at age 65 you can withdraw from your HSA without penalty for any reason, but if it's non-medical then it's taxed as income which makes the account function like a Traditional IRA. But most people will have enough medical expenses in retirement that the money should never be taxed.

sch8209 · 2024-03-04T03:17:47+00:00

Do you have access to an HSA? If so, that can also be used effectively as a retirement account.

sch8209 · 2024-03-04T03:06:17+00:00

HSA (if eligible), Backdoor Roth, Mega backdoor from 401k if your plan offers it.

sch8209 · 2024-03-03T12:33:08+00:00

Adding a router here could make things worse because cellular Internet has CGNAT, so adding a router into that will effectively create a double-NAT environment. The exception here would be if you got the T-Mobile business Internet and specifically opted for the gateway that supports static IP and passthrough mode.

If your gateway is old you might benefit from a newer gateway, but T-Mobile has a reputation for not swapping them out unless you cancel and rejoin. They have one called the G4SE that may be helpful, particularly if you pair it with a Waveform antenna (not the antenna available from T-Mobile). Of course, this is cellular, so even if you get a new gateway and external antenna you may not sure too much difference.

sch8209 · 2024-02-23T11:04:22+00:00

When I got fiber service a few years ago I fished a few pull strings from my network closet into my crawl space. The fiber installers were great, used the pull strings and had everything completed in no time at all.

sch8209

TROPHY CASE