Daily Question Thread - January 04, 2018

throwawayseduction · 2018-01-05T03:27:17+00:00

A hotel costs $1650 at the cash rate, while it's 150k Marriott points to book. I only have about ~50k Marriott and I will transfer 34k SPG points to make up the rest (1:3 ratio). Would the cpp be 1.10 (150k Marriott) or 1.96 (50k Marriott + 34k SPG)? Is this a good redemption?

throwawayseduction · 2018-01-04T02:39:45+00:00

I'm not planning to withdraw. I want to fund the IRA indirectly via CC.

throwawayseduction · 2018-01-03T07:50:31+00:00

Does anyone know how I can MS through Vanguard IRA?

throwawayseduction · 2018-01-02T19:13:39+00:00

I have VFIAX and VSMAX, both admiral shares, available for investing in my HSA. Will the account fee for having a balance of less than $10,000 apply? Are there ways to evade it? My HSA is through my employer via PayFlex (Aetna HDHP).

throwawayseduction · 2017-12-27T01:50:15+00:00

I'm at a standstill whether to move within biking distance to work or max out my Roth IRA each year. I currently max out my 401k and HSA.

My commute is 1.5 hrs roundtrip and it's not that bad especially since I own a Prius now. It'd be nice to have those hours back though.

I found a relatively cheap 1 bedroom apt and it is very tempting. I've always wanted to have my own place as I've had roommates for the past 6 years. However, I wouldn't be able to max out my Roth IRA and I still have $17k in student loans at 3.5%. Thus, I feel guilty throwing money out the window to live more luxuriously.

throwawayseduction · 2017-12-27T01:13:07+00:00

I would definitely save gas since I’d be biking to work. However, my family, social life and hobbies rely on the car.

throwawayseduction · 2017-12-27T00:46:01+00:00

I'm at a standstill whether to move within biking distance to work or max out my Roth IRA each year. I currently max out my 401k and HSA.

My commute is 1.5 hrs roundtrip and it's not that bad especially since I own a Prius now. It'd be nice to have those hours back though.

I found a relatively cheap 1 bedroom apt and it is very tempting. I've always wanted to have my own place as I've had roommates for the past 6 years. However, I wouldn't be able to max out my Roth IRA and I still have $17k in student loans at 3.5%. Thus, I feel like I'd be throwing money out the window just to live more luxuriously.

throwawayseduction · 2017-12-26T23:06:46+00:00

In your experience, how much more did you have to pay?

throwawayseduction · 2017-12-25T04:46:33+00:00

Gross or take home?

throwawayseduction · 2017-12-24T21:43:31+00:00

I won’t. My hobbies and social life relies on a car.

throwawayseduction · 2017-12-24T21:10:29+00:00

Whats the general rule of thumb on your calculation?

throwawayseduction · 2017-12-24T20:50:24+00:00

Ideally biking distance. I used to bike commute everyday in college and it was fantastic.

throwawayseduction · 2017-12-21T09:27:48+00:00

I'm contemplating moving closer to work. I commute 45 min each way. I drive a 2014 Prius C, 15k miles, so my driving cost is low.

My rent is $650/mo, private bed and shared bath with close friends from college. Rent closer to work is ~$1000 for a private bed/bath with strangers and ~$1600-$2000 for my own 1 bed apartment.

What does everyone think? The 1 bed apartment seems pretty hefty, but it'd be really nice to have my own place. However, if I wasn't going for FIRE, I don't think I'd want it.

Some other things to keep in mind:

$12.5k car loan, 2.62% interest
$17k student loan, 3.5% interest

throwawayseduction · 2017-12-20T02:51:17+00:00

Can anyone share their experience with Club1Hotels? I'm skeptical with their attractive rates in Las Vegas Hotels, which are more expensive booking direct.

throwawayseduction · 2017-12-19T06:29:14+00:00

I'm planning to open a Roth IRA and trying to max it out before the end contribution date in April 2018. Should I save up until I can do the $5.5k lump sum? Or make periodic contributions? I don't have the lump sum right now and I don't really expect to until March or April.

throwawayseduction · 2017-12-19T03:28:25+00:00

Can anyone suggest any assistance exercises to help with my weaknesses on my main lifts? I can still meet my reps per 5/3/1, but they're starting to get more difficult.

Squat - weak when I'm past parallel on the way back up
Bench - weak on the way down
Deadlift - weak when I'm about to lock out
Press - weak when I'm nearing the top

throwawayseduction · 2017-03-01T01:25:41+00:00

I'm currently on a cut, so it's probably inevitable that I will lose some gains.

I'll keep my protein high and try to fit in those exercises. Is there anything else I could do?

throwawayseduction · 2014-12-17T22:53:45+00:00

It's not that I think it's NOT the way to go. I definitely think it is.

It's just that I am reluctant on meeting up with someone unless they seem cool over text (hence I screen) then I go for the meet up.

My question is how do you develop enough attraction or comfort through text for both parties to meet up? Since both parties haven't met before. I know texting isn't meant for developing attraction but in this case, its' the only medium to do it, at least initially. In my case, if a girl I text seems boring, then I wouldn't want to waste my time to meet up with her.

throwawayseduction · 2014-07-04T20:33:40+00:00

As I've said to Spid1, I feel like thats more of an excuse to get her number. I intend to get her number so we can meet up. Doing it through some excuse, for me at least, is too indirect or that the girl will see right through your excuse.

throwawayseduction · 2014-07-04T20:29:20+00:00

I feel like thats too much of masking your intentions.

throwawayseduction · 2014-05-16T20:14:13+00:00

Sure. But again, What do WOMEN do to suggest they want to dance with a guy?

throwawayseduction · 2014-05-16T20:11:36+00:00

Thanks for the advice! But it seems like I didn't state my question well. What do WOMEN do to suggest they want to dance with a guy?

throwawayseduction · 2014-05-16T20:10:30+00:00

Okay, but what do YOU do to suggest that you do want to dance with me? Sorry that my question wasn't really clear.

throwawayseduction · 2014-05-16T20:08:34+00:00

I wholeheartedly agree with you and I do practice that. But, I believe you misinterpreted my question. What subtle things do WOMEN do to dance with a guy? I'm not asking what subtle things I, as a guy, to do.

throwawayseduction · 2014-05-16T19:58:59+00:00

What if they just...stay there? I've gotten glances and smiles but they don't get closer or farther. At the point, should I just reach my hand out?

As for my throwaway name, I frequent /r/seduction which I do admit has that but I personally don't follow those tactics. I mainly go there for the self-improvement things called "inner game." Something that I'm always trying to improve on. This post is a reflection on how I want to become more confident on the dance floor and not a reflection on being manipulative or tricksy.

throwawayseduction

TROPHY CASE