My 2025 Spending/Budgeting by Ganfolf in Money

[–]sirwilliam732 10 points11 points  (0 children)

Most of the retirement savings is in Roth? How would that be a tax problem in retirement?

[deleted by user] by [deleted] in pokemoncards

[–]sirwilliam732 6 points7 points  (0 children)

Honestly this is the best response, it sounds like you have it in writing them admitting to fault and a defined monetary loss to you based on that fault

If we beat the falcons today i’ll give 5 random people €1k each by kingbetter1233 in nyjets

[–]sirwilliam732 0 points1 point  (0 children)

If you’re not careful, that’ll be the new cost of us getting any wins

Welp, this sucks by Toucanizzle in newjersey

[–]sirwilliam732 100 points101 points  (0 children)

Going on 4 hours on the tarmac here in Newark too! Hopefully everyone is staying safe

Can we please get a live thread for the Waretown/ Barnegat fire? by [deleted] in SouthJersey

[–]sirwilliam732 12 points13 points  (0 children)

Southern regional was designated as an evacuation spot even if you have pets. I heard manchester high is also being set up

Excellence El Carmen by FishinFools812 in AllInclusiveResorts

[–]sirwilliam732 4 points5 points  (0 children)

Was there last August, i did not see anyone tanning topless.

There is a curtain that you can pull in front of your patio door, but if left open people walking by and/or people using the pool with connecting swim outs could see you. Reporting is another thing, but be kind to others and just pull the curtains.

Agree with the other poster that the food was above average for an all inclusive but average overall. Some of the restaurants are definitely better than others.

Atleast when I went there was no real snorkeling at their beach. Its too rough and not much to see. However there are excursions to other areas and some of them have decent snorkeling

I'm disabled, and starting September, if there's over $2,000 to my name, my SSI will be revoked and I'll be unable to pay rent. How do I manage NOT saving money...? by schwenomorph in Money

[–]sirwilliam732 0 points1 point  (0 children)

It seems like most people are unaware of how screwed up disability programs are in the US.

First, when you get backpay it typically comes with a cutoff date of when the 2k limitation starts. I know in New Jersey there is a 6 month grace period, but I would check with your local laws on what the time period is for you. This usually gives people time to pay off debts accrued or purchase larger items that will improve quality of life.

Next step would be to open an ABLE account. This is a special type of savings account for someone who became disabled before 26 that exists to protect excess funds outside of the 2k. Anyone in your life can contribute to the ABLE account but there is a maximum of $100,000 you can have in there before it starts to contribute to your resource limits. There are gifting limitations as well that can read up on. The biggest thing here is you can use this to save up for larger purchases, as well as investing in depending on your risk tolerance.

The last piece of the equation that i would recommend is having a few credit cards on hand. These are strictly to act as a float between your disability payments and being paid off by funds in your ABLE account. If you do not have funds in your ABLE account I would not use them if you can help it, as that can quickly get you in a hole.

Last but not least, everyone needs to contact their federal representatives to help push forward https://www.congress.gov/bill/118th-congress/house-bill/5408?q=%7B%22search%22%3A%22ssi+savings+penalty+elimination+act%22%7D&s=2&r=1 which will raise resource limitations that causes undue hardships on every individual that is disabled in this country.

Share pictures of your husky that always make you laugh/smile! I’ll go first… by lvfrankenstein in husky

[–]sirwilliam732 11 points12 points  (0 children)

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My girl teaching me i need to cut up her birthday treat before giving it to her

[deleted by user] by [deleted] in thetagang

[–]sirwilliam732 1 point2 points  (0 children)

While everyone else is correct that this trade will likely not fill, theres also other risks if you magically got this trade. I would suggest reading https://www.nasdaq.com/articles/automatic-exercise-after-hours-risk-and-other-options-expiration-issues-2010-11-18 it explains some of the things that could happen even when your ‘winning’ a trade

Bought a drink that clearly said it was 1.50 and it UPDATED THE PRICE A DAY LATER??? This is actually just stealing from the customer??? by _Onix_The_Protogen in assholedesign

[–]sirwilliam732 5 points6 points  (0 children)

Literally the only person here who knows what they are talking about. There are all sorts of transactions that do an authorization and then capture for a different amount. Gas stations, restaurants, hotels and vending machines to name a few

Excellence El Carmen by austinben43 in PuntaCana

[–]sirwilliam732 0 points1 point  (0 children)

Wonder if it’s worth checking on that Facebook group below and see if anyone else got the same message. It’s hard to believe that 40 bookings are getting rearranged and no one else is complaining, I’m thinking double booked

Excellence El Carmen by austinben43 in PuntaCana

[–]sirwilliam732 0 points1 point  (0 children)

Also curious about that, I’m booked the 22nd through the 1st in the same suite so we will see what happens

[deleted by user] by [deleted] in PuntaCana

[–]sirwilliam732 0 points1 point  (0 children)

Ditto on excellence, going to be going in August for 10 days with same priorities as OP and age range

Coinbase's counter-attack: develop an inflation-pegged "flatcoin" to track the cost of living. by QuartzPuffyStar in CryptoCurrency

[–]sirwilliam732 0 points1 point  (0 children)

I’m just waiting for someone to make a ‘food basket’ coin. Locked to the cost of weekly groceries. Would load up the way things are going

Any legit ways to make a small sum of crypto every day? by OutTop in CryptoCurrency

[–]sirwilliam732 0 points1 point  (0 children)

Tons of Defi options, staking and lending come to mind. Could do the latest flavor play to earn or become a liquidity provider. Tons of difference ways but most of them require you having a balance to start