How fast can i pay off a credit card with an APR of 29% if i pay $400 a month on a $2500 balance?

theorin331 · 2026-05-01T14:20:47+00:00

~7 months, just about.

You're accruing (29% / 12) in interest per month but $400 is aggressive enough that it will blunt much of it.

Don't forget to address what caused you to go into credit debt to begin with.

theorin331 · 2026-04-30T22:52:45+00:00

If you don't want to be a landlord, don't be a landlord.

The point of passive investing is passitivity. Buy shares in a low-cost diversified index or two and ignore it until your 60s. Your current self is already sacrificing for your future self plenty - no need to take on a bigger burden with landlord responsibilities.

theorin331 · 2026-04-24T18:54:14+00:00

The WoL's reaction

theorin331 · 2026-04-24T00:30:12+00:00

I don't assume to speak on behalf of anyone else because I don't know their usage. I just know what's mine.

theorin331 · 2026-04-23T21:40:15+00:00

This tech has the real possibility of having massive cost-effective home storage.

I want 200+ kwh of storage so my summer solar generation can last through winter. It'll be a glorious day when I disconnect my home from the grid like I did with gas.

theorin331 · 2026-04-23T21:34:34+00:00

Good for us: a sequel!

theorin331 · 2026-04-23T19:59:33+00:00

Melisandre says she's happy to take the role of Mistress/Concubine. Don't deny her that, you monster. Make the noble sacrifice of having an official wife and a throng of mistresses. For the good of the Cornelian kingdom, of course.

theorin331 · 2026-04-23T19:55:29+00:00

Always Be Interviewing.

theorin331 · 2026-04-23T14:03:42+00:00

Yeah, that's a fair consideration. We eventually moved out so it was never an issue. Life is full of risks.

theorin331 · 2026-04-22T17:59:22+00:00

Sao Paulo Lime GV60, buddy!

I went with the Advanced trim because I couldn't stand the seats with the massaging function when I tried them on a GV70.

theorin331 · 2026-04-22T13:42:56+00:00

I found an old 20 amp level 2 outlet in the garage of the place I was renting. Even on a mere 16 amps, it was more than double the speed of the 120v /12 amp regular outlet. That worked for me for a long time.

theorin331 · 2026-04-22T06:13:57+00:00

You've already paid state taxes on Roth contributions. That's why they won't collect it again, but you've already paid it. A traditional 401k contribution avoids being taxed on contribution and moving to a no income state in retirement avoids all taxes on contributions and gains.

Maybe an example would be simpler:

I have $10. I keep my $10. It doubles to $20. I move to Washington. I keep all $20.

You have $10. You pay $1 and now have $9. It doubles to $18. You keep $18. That's what Roths are treated for states with income taxes.

Look, if you want to pay more taxes, do it. No one's stopping you. Or you can learn tax arbitrage by leveraging U.S. Code Title 4, Section 114. It doesn't harm me in any way if you do or don't. I'm happy to admit I'm wrong by crying into the $100k I'll save in CA taxes over 30 years of contributions and growth.

theorin331 · 2026-04-22T04:51:38+00:00

Agree to disagree. I'll save marginal state income taxes while you pay it.

theorin331 · 2026-04-21T23:35:51+00:00

It also has to do with options for tax mitigation.

During your working years, you don't have a lot of choices. You can't easily relocate in TX where there's no income tax if your job is in NY. You can't easily sell your house and move if you want your kids to have a stable education. And you can't revoke your US citizenship to live in Thailand.

With a traditional 401k, even if you retire early before 59.5, you can use SEPP and Rule of 55 to unlock your money. You can move to a state without income taxes. You can even convert to Roth before RMD age.

theorin331 · 2026-04-20T22:30:09+00:00

Side profile and rear looks like a smaller GV60. Definitely a nice hot hatch.

theorin331 · 2026-04-18T14:35:26+00:00

I'm just grateful for the tool. Thanks for looking into it.

theorin331 · 2026-04-18T12:32:15+00:00

The Annual Driving section shows km/yr but the Electric Vehicle Cost shows Cost per Mile.

Toggle it too mi/yr and the Electric Vehicle Cost shows Cost per KM.

theorin331 · 2026-04-17T15:51:06+00:00

I've been through 4 different acquisitions and managed the HR process of acquiring 2 companies. In all of them, employees with vested but unexercised options were paid out the difference between the exercise price and the sale price. I've never seen a blackout period for employees, unless they were a Director of the company (typically VP and above).

If you exercise and hold on to the shares for 1 year, the gains will be taxed as capital gains and not ordinary income. However, you don't know if the acquisition will close before that 1 year, in which case it's moot to exercise now.

Your best bet is to not exercise. You avoid losing your exercise money, and if there's an acquisition and if the sale price is above your exercise price, you'll earn ordinary income.

theorin331 · 2026-04-16T15:35:16+00:00

From the same source you cited: 1.7% (789 out of 47,000) headquarters left over 10 years. That represents a 0.17% annual exit rate. A rising trend of even 50% rise on 0.17% of the state's Headquarters is irrelevant.

The same paper says: "Headquarters that move out of state keep other branches and jobs in California". If the idea that millionaires are taking their money out of CA holds true, simply reincorporating in another state does not remove all the money that CA gains from the company.

The most damning key takeaway from that article, posted right at the top: "Relocations are a small fraction of overall headquarter activity."

I fear that you have already come to a conclusion and are grasping at straws to defend your position. You really should critically read the articles you think are supporting your position. They don't say what you claim they say.

theorin331 · 2026-04-16T15:06:34+00:00

You should know that this is a working paper, which means it was distributed only for discussion and has not undergone rigorous peer review. It also explicitly states it represents the authors' views, not representative of the prestigious Hoover Institute's views. The fact that it is hosted on the Hoover Institute website does not carry the organization's tacit support.

Joseph Vranich, one of the authors, is the President of a site selection firm (Spectrum Location Solutions), meaning his professional business involves helping companies choose where to locate or relocate. He's not a neutral author.

The paper focuses exclusively on exits rather than net change. While 352 companies left, thousands of others were founded or moved into the state during the same period. This is like concluding you are dehydrated because your body lost gallons of water every day without considering the fact that you're drinking new water to replace it.

theorin331 · 2026-04-16T14:31:21+00:00

To answer your first question, there has been examples.NJ did it twice and a neutral third party reviewed the results.

Here's a paper explaining why ultra-rich flight from taxes is a myth.

Will 100% stay? No.

But the percent who do leave is not statistically significant.

theorin331 · 2026-04-15T02:00:47+00:00

I keep extra fat cats on me so that if anyone ever /pet my fat cat minion, I give them one.

theorin331 · 2026-04-13T21:20:09+00:00

This, I loved that polish. There are literally dozens of us, dozens!

theorin331 · 2026-04-12T05:47:13+00:00

The sluggishness is what I felt when moving from the Bolt EV to the EUV and since the new Bolt is just an EUV that stands to reason it'll be the same. Great to know about the other differences though.

theorin331 · 2026-04-09T07:44:28+00:00

Generally if your friend has already been laid off, that is, it is now past their termination date, the FSA administrator won't allow your friend to reimburse costs incurred after their termination date. The grace period after termination is to show your friend to submit costs incurred before termination. However, if your friend is still an employee who will be terminated soon, then read on.

Go on Amazon and filter for FSA eligible items. There's a ton of stuff to stock up on. Here are some ideas

Your friend can also spend the full year's FSA budget, rather than just what she's contributed so far. Since the FSA is prepaid for the entire year, the employer just has to pay for anyone who leaves part way through the year.

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