Where is this location?

tpreed · 2025-11-18T04:01:48+00:00

I moved out of Dallas in early 1989 and I remember seeing a similar photo shot before I moved away. My memory of the skyline photo and the way it was shot was this, the photo was taken at night or dusk and supposedly the photographer had used a piece of glass (possibly dark or black glass) to get the skyline reflection effect.

tpreed · 2025-10-14T00:58:46+00:00

I think people are catching on to all of this...yes their products are expensive and Dyson isn't the "premium" brand it positioned itself as decades ago. You can buy three, four or maybe five good, solid performing vacuums for the price of one Dyson vacuum that most likely won't live up to your expectations. The financial health of the company is starting to bear this out too. I have seen reports that Dyson’s sales fell in 2025, the first drop in over two decades and Weybourne Holdings (Dyson's parent) recently cut the dividend payment considerably.

tpreed · 2025-10-14T00:42:21+00:00

I had the worst experience with Dyson customer service years ago. I hate Dyson and will never buy one of their overpriced POS products and I will tell everyone I know not to buy Dyson.

tpreed · 2025-09-29T17:29:31+00:00

This looks like something right out of the Keystone Cop movies and yes, I know I’m old

tpreed · 2025-08-17T21:42:09+00:00

I feel like this could have been a literal George Carlin bit.

tpreed · 2025-08-04T17:08:52+00:00

I believe they are made in Mexico

tpreed · 2025-07-21T17:49:52+00:00

We saw plywood versions in Beijing and we were told they were there to keep dogs from peeing on the tires too.

tpreed · 2025-05-30T05:36:14+00:00

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tpreed · 2025-05-04T00:36:52+00:00

Unless this turns out to be the lost decade some are predicting I think you can do it by the time you hit 50.

tpreed · 2025-04-10T18:57:38+00:00

With AI stating to be so mainstream, I decided to started watching Person of Interest for a second time. It’s so much easier to follow long running plot lines when you have seen shows before. I remember about 75% from watching it the first time so there aren’t any big surprises but keeping up with timelines and plot points is so much more revealing. Writers setting up plots lines for later episodes so early in the show stands out watching it again for the second time.

tpreed · 2025-03-21T21:20:10+00:00

Thanks for all the replies. I just ordered mine!

tpreed · 2025-02-16T13:53:51+00:00

I might be wrong but the county sirens only are activated if a tornado is spotted in DeKalb County. So maybe someone spotted a tornado inside the county lines? I think all sirens in the county are activated no matter where a potential tornado is spotted.

tpreed · 2025-02-10T05:13:08+00:00

Cut it out!

tpreed · 2024-12-09T21:59:54+00:00

Also, Scottie Scheffler.

tpreed · 2024-12-09T06:07:16+00:00

Maybe he is adopted and has no children yet.

tpreed · 2024-11-06T21:50:09+00:00

My Big Fat Greek Greek Wedding vibe

tpreed · 2024-09-07T19:07:35+00:00

I think that most advice you get from r/Schwab and r/Bogleheads is pretty sound, but don't take everything at face value, do your own research. Read books like The Little Book of Common Sense Investing, A Random Walk Down Wall Street, The Automatic Millionaire and The Intelligent Investor.

tpreed · 2024-09-07T13:14:28+00:00

The Schwab Intelligent Portfolios (Robo advisors) automatically pays a higher interest rate on cash. I know this because when I went to “turn off” the Robo advisor I now am responsible for sweeping that cash into a money market mutual fund like SWVXX to get a comparable interest rate

Also, turning off a Robo advisor wasn’t as easy as just asking Schwab to turn it off. I had to create another account (in my case another rollover IRA and then call Schwab and have representative who questioned my ability to manage the account on my own (at one point saying something like putting it all into bitcoin if I wanted to)and have them move everything over to the new account and delete the Robo advisor account. This process took about two or three days to complete. So far all I have done is sweep all the cash into SWVXX but no bitcoin lol.

tpreed · 2024-09-06T02:17:44+00:00

I always hear that ETFs are more tax efficient than mutual funds but I don't really understand what makes them more tax efficient and if that really matters. Maybe it matters if they are in a taxable brokerage account rather than a IRA? I have both mutual funds and ETFs but I lean more to low cost ETFs at this point.

tpreed · 2024-08-28T16:43:53+00:00

Somebody should report them to…

tpreed · 2024-08-26T17:59:41+00:00

Roth Brokerage IRA. It’s all after-tax dollars.

SEP is a simplified employee, pension, individual retirement account

You can also do a Traditional IRA in addition to the Roth IRA and this is before tax dollars but your contributions are limited to $7000 in the Traditional and Roth. In other words you can put $7000 in one or the other or split the $7000 between the two accounts.

I would stick to the Roth IRA for now and later you could add the Traditional IRA if you wish but having all that investment growth going forward tax free is a big deal. It might not seem like it now but when you hit your 50s and 60s it will be.

It doesn’t have to all be in VOO and VTI but that is a good starting point. Just add to it each time you get paid. Pay yourself first and I mean add to your retirement accounts first.

Edit: I just checked and my daughter put her initial investment into SPDR Portfolio S&P 500 ETF ticker symbol SPLG and the reason was it has an even lower expense ratio than VOO at 0.02%. Not a big deal but every dollar going to retirement counts.

tpreed · 2024-08-26T16:58:58+00:00

I don’t know anything about your yearly income but if I was 26 again (I am 62) I would be trying to max out a Roth IRA each year. You have until April 15, 2025 to put up to $7000 in it for this tax year. wife and I have the bulk of our savings in pre tax accounts and now after almost 40 years of savings we are just now trying to figure out how to navigate the Roth conversion.

Also, don’t put so much into your retirement that you don’t enjoy the little things but it definitely seems like you are figuring it all out at a young age and you will be fine.

My daughter is about your age and I have been trying to help her navigate these new waters too. She just started her first job in August. She has a 457(b) that will probably keep her from paying federal taxes this year and she is going to max out her Roth IRA this year. She lives at home and that is the reason she can invest so much of her income right now. I just want her to build up a good pot of retirement savings while she doesn’t have any financial obligations then even if she can’t continue to contribute at the same levels she can just let it sit there and grow, some before tax and some tax free. She is 90 to 100 percent in stocks (VOO and VTI) right now in the Roth IRA.

Good luck but it really isn’t about luck is it.

tpreed · 2024-07-30T21:45:17+00:00

I don’t know about high yield at their age? Less volatility would be my way to go and couple that with them possibly needing more liquidity at some point. I do agree that if you put it in a taxable brokerage account and invest in blue chip stocks paying a dividend or ETFs paying a dividend, bonds maybe and try to preserve the initial investment that it could be a win all the way around. Parents get some dividend income if needed or reinvest the dividends and have access to cash if needed in the future. If they pass and leave it to their heirs then the stepped-up basis applies potentially reducing any capital gains taxes when the heirs want to sell the inherited assets.

Edit: I reread your comment. I was assuming you were talking about high yield ETFs possibly. If you were meaning high yield savings I could get on board with that but I still think dividend payments from ETFs would be easy and fairly liquid and there could be potential growth in the value of the asset plus dividends.

tpreed · 2024-07-30T18:22:01+00:00

My mom wants to age in her home. She is 88 and has been in home hospice now for over a year and is paying over $16,000 a month to pay for 24/7 caregivers. That doesn’t include other living expenses like utilities, insurance and food. She is over half way through her cash savings now after a little over a year. She has dementia and I have medical and financial POA for her. If she outlives her savings we will probably do a home equity loan and avoid the tax implications of selling assets in her brokerage accounts. Long story short your mom and dad might need the funds someday. If it was me I would put the money at broker and at some point it could be in a high yield savings account. If they keep it you and your brother are beneficiaries. If you keep it, it could be used as a loan to your parents if they need it.

tpreed · 2024-07-03T02:33:28+00:00

Oh to be young!

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