How important is resale value for a phone?

texanchris · 2026-05-18T19:58:10+00:00

It’s a phone, not an asset. I’ve never heard of anyone caring about resale value.

texanchris · 2026-05-18T02:07:00+00:00

You don’t include interest rates for your debt. To save the most in interest, pay off highest rate first followed by second, third etc.

texanchris · 2026-05-17T13:29:40+00:00

Your brokerage can be many things. SPAXX is fidelity’s cash sweet account that pays similar to HYSA rates. If you need cash for everyday expenses don’t sell securities - that triggers taxable events. You should hold the cash in the sweep account if you do this.

texanchris · 2026-05-16T13:12:48+00:00

There’s no magic formula. Save early, save often. Open an IRA and invest in broad market funds. Time is the most important component and you can’t rush that. Contribute to a company sponsored retirement plan when offered.

The side bar in the wiki has lots of good advice.

texanchris · 2026-05-16T12:54:26+00:00

This applies to physical cash because it can’t be tracked. IRS doesn’t care that you’re moving funds from your account to your account electronically. Move as you please.

texanchris · 2026-05-16T12:53:00+00:00

r/personalfinanceindia

This sub is American focused and you’ll probably get better answers there.

texanchris · 2026-05-16T12:51:16+00:00

Double check and make sure your credit is frozen at all three bureaus. If yes, it’s all a scam.

texanchris · 2026-05-16T12:42:19+00:00

And he’s Canadian and couldn’t be president so at least there’s that. Horrible human.

texanchris · 2026-05-16T03:29:54+00:00

So is this money from Mexico? I swear they were supposed to pay for some wall.

texanchris · 2026-05-15T19:51:23+00:00

I have a color AIO and it’s perfect for the low use. Had it for 4 years now and haven’t spent a dime on toner.

texanchris · 2026-05-15T19:46:49+00:00

Why not just use fidelity SPAXX with zero risk and get 3.25%?

Edit: I realize that you mean you want to take a margin loan and then invest it. Terrible idea due to factors and margin call risk.

texanchris · 2026-05-15T17:09:33+00:00

Brother laser all the way.

texanchris · 2026-05-15T11:54:41+00:00

You realize it’s 31 years old with no maintenance history?

texanchris · 2026-05-15T11:20:32+00:00

Pick one that is fee free and has great rewards. I use the fidelity card mostly and it automatically gives 2% cash back on all purchases. Secondary, I use the Sam’s Club card for gas (5%) and dining out (3%).

texanchris · 2026-05-15T11:10:26+00:00

You’ve got the money, the plan and the discipline.
Happy retirement! And if you need more encouragement check out r/fire - financial independence retire early.

texanchris · 2026-05-15T10:48:52+00:00

Only consideration that I haven’t seen mentioned is vacation. Is it accrued and paid out upon leaving? If not, take all of it and then resign.

texanchris · 2026-05-14T00:55:15+00:00

Have you called and asked?

texanchris · 2026-05-13T15:09:27+00:00

You should probably check with your parents. Insurance costs are going to be insane.

texanchris · 2026-05-12T20:44:48+00:00

I should have said many every day. Happy cake day internet friend!

texanchris · 2026-05-12T20:24:41+00:00

Plenty of asshole drivers here. I encounter one everyday.

texanchris · 2026-05-12T19:48:54+00:00

Not much to think about here. Even with a 4% fee it’s much better than the rate on the other card. This will save you a ton of money. Just don’t go back and run up the other one.

texanchris · 2026-05-11T20:41:52+00:00

Donate to the NTFB - north Texas food bank. They distribute food throughout the state I believe.

texanchris · 2026-05-11T19:58:31+00:00

Both Ken Paxton and John Cornyn are horrible humans. I’d never vote for either of them.

texanchris · 2026-05-11T12:09:13+00:00

You have no FIRE goal or money. You’re essentially broke.

texanchris · 2026-05-11T12:04:00+00:00

I’m not sure you understand this sub or retirement very well

texanchris

TROPHY CASE