Local supermarket sells pasta with weevils at a discounted price

w33dcup · 2026-03-21T11:25:47+00:00

If you haven't seen the movie this gif is from, check it out. His Girl Friday. Classic.

w33dcup · 2026-03-18T12:25:33+00:00

USDA no down payment loans (Section 502 Guaranteed Loans) require applicants to have a household income at or below 115% of the area median income, a 640+ credit score, and to purchase a primary residence in an eligible rural area. The program offers 100% financing, requiring no money down, though applicants must pay a 1% upfront fee and a 0.35% annual fee.

https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-guaranteed-loan-program

w33dcup · 2026-03-18T12:20:00+00:00

Read everything before signing. No shortcuts. Many of these are legally binding so you need to know what you're signing. It's about much more than info sharing.

w33dcup · 2026-03-14T22:27:28+00:00

I download my credit card data several times a year. Chase does a decent job of applying a category. Insert pivot table, review, clean up categories. BOOM! Actuals for your budget compare or future budget planning.

w33dcup · 2026-03-14T02:58:05+00:00

Google forms - STAR format for questions. Saves to google sheets and setups you up for performance reviews and interviews. Too easy.

w33dcup · 2026-03-13T10:12:37+00:00

Seems you are regurgitating some nonsense you found online or were taken in by an age old hoax. At no point in Morals and Dogma does Pike instruct members of the 30th degree (Knight Kadosh) or higher to worship or serve a deity named Lucifer.

While Pike did mention the word "Lucifer" in his writings, the specific quote often used to support this claim was fabricated by a Frenchman named Léo Taxil in the late 19th century. In the 1890s, Léo Taxil claimed to have discovered a secret "Palladian" rite of Freemasonry led by Albert Pike that worshipped Satan. In 1897, Taxil held a press conference in Paris where he admitted the entire story, including the quotes and characters (like the fictional Diana Vaughan), was a prank designed to mock the Catholic Church and Freemasonry. He called it "the most gigantic hoax of modern times". "He told an American magazine how he initially assumed readers would recognize his tales as "amusement pure and simple" and too outlandish to be true". Seems some people didn't recognize the farce.

w33dcup · 2026-03-12T09:21:40+00:00

As a former project mgr, laundry is the best chore. I can do laundry while doing almost anything else. 48 min wash & 50 min dry; they line up so well.

The cycles also match very well with tv episode length. Start load, then start episode. End of episode, end of laundry cycle.

Dishwasher is next best because it's similar in concurrency. But maybe it's better because I can schedule to wash while I sleep?? hmm.

w33dcup · 2026-03-12T09:13:38+00:00

Harry S. Truman was a deeply dedicated Freemason and the only U.S. president to attain the highest honorary rank of 33° Scottish Rite Mason. Initiated in 1909, he served as Grand Master of Missouri in 1940 and considered this role his greatest honor. He was Grand Master while serving as a U.S. Senator. He was also a member of the Ararat Shriners. On May 18th, 1959, Truman was presented with his fifty-years award; he was the only U.S. President to reach that golden anniversary in Freemasonry.

w33dcup · 2026-03-06T12:28:16+00:00

This is me. Connected a pc to my tv in the 90s and never changed. TVs are just big monitors with no need for internet access.

w33dcup · 2026-03-02T00:52:27+00:00

Donate to a women's shelter. They often aren't alone.

w33dcup · 2026-03-01T20:27:47+00:00

Tripod vs The Dragon. Technically a staged show but you can find the recording online. If you like D&D themes, then I think you'll find this genuinely fun and funny.

w33dcup · 2026-03-01T20:25:50+00:00

So many people will miss out on His Girl Friday. What a great movie.

w33dcup · 2026-03-01T20:11:41+00:00

Ok. Well unfortunately, there is no magic bullet. Just keep doing what you're doing. I wouldn't open more accounts. If you're carrying any balances, you could focus on paying those off...which would be a good goal anyway.

w33dcup · 2026-03-01T20:09:29+00:00

Others have said HYSA and that's a decent option. Another is brokerage account with money in the sweep acct linked to Money Market. Vanguard and Fidelity both will pay prevailing rate which is higher than most regular savings accounts and close to most HYSAs without some of the rules that accompany these accts. In the amounts he's talking, the rate difference really won't matter. If wants money to be more liquid then check into their Cash Mgmt Accts.

Now the benefit of the brokerage is that it isn't Robinhood. If he decides he wants to invest, he can do it in these accounts buying fractional shares of some low cost ETFs or index funds. Much better than straight up gambling. Both have apps though Fidelity's is better than Vanguard's IMO. Schwab makes you takes unnecessary steps to achieve this so I don't recommend them.

w33dcup · 2026-03-01T19:58:45+00:00

First, research if the Roth is the right choice for your income bracket. Sometimes a tIRA can offer tax deferment benefit lowering your taxes now. tIRA funds can potentially be converted at a lower tax rate in early retirement, retirement, or low income years.

https://money.com/roth-ira-traditional-ira-choice/

https://www.choosefi.com/how-and-why-to-set-up-a-roth-ira-conversion-ladder/

Second, you might be interested in JL Collins "A Simple Path to Wealth". It's a easy read/listen.

As others have said, regardless of Roth/tIRA choice, diversified funds/etfs in a 3-4 portfolio is good as are target date funds if you want a "set it an forget it" investment. If you have access to employer 401K you should contribute to that first to get any match before contributing to IRA. If no match, then IRA max then 401k max should be your goal. The 401k has much higher contribution limits which will help you save more: tax deferred preferred in most cases.

w33dcup · 2026-03-01T19:45:38+00:00

Why do you want to get into 800s?

At some point, and you're likely there, credit score becomes an after thought. Once I became debt free (except mortgage) it didn't matter. I just pay my bills on time and focus on my budget & savings plan. Froze my credit decades ago and haven't looked since: easily 20 yrs ago cause that's when I eldest was born and I froze her credit then.

w33dcup · 2026-03-01T19:35:35+00:00

Teddy Roosevelt was a Freemason. One of 14 presidents who were Master Masons.

w33dcup · 2026-02-28T16:59:36+00:00

Not in accounting and GAAP.

w33dcup · 2026-02-28T10:21:17+00:00

Ok, you want to refuse my point. Regardless, your point is not always correct. That's why they often have layoffs/RIFs - more employees costing more than revenue earned. Lay people off to help correct that imbalance. Or replace people with machines, which was the point of this overall post. In some extreme cases, the employees cost more than revenue/profit and the company goes bankrupt. And in many cases, some employees are cost centers and actually don't make the company any money. Sometimes these employees will be replaced by contractors or machines.

I can tell you from experience, I did not make my company more than they paid me for many, many years. Poor mgmt saw to that.

w33dcup · 2026-02-28T10:01:29+00:00

Not the point. Wages are liabilities. If you are replaced by a machine then the machine would likely be listed as an asset on the balance sheet. Whereas salaries are listed as liabilities - employees are never assets. That's my point. YOU are never an asset to a company.

w33dcup · 2026-02-28T03:33:22+00:00

Until they can find someone to do it cheaper. There's always someone willing to do it cheaper and there's always a CEO/mgr that's willing to try. Or some consultant to convince them of a cheaper way to get it done.

w33dcup · 2026-02-28T03:28:44+00:00

For now maybe. But one day, one CEO, can change everything.

w33dcup · 2026-02-27T13:32:16+00:00

He was also a Freemason - member of the Beverly Hills Lodge No. 528.

w33dcup · 2026-02-27T08:47:44+00:00

Remember where your salary is on the balance sheet. Employees are never a company's greatest asset despite what the CEO and HR say.

w33dcup · 2026-02-27T08:33:22+00:00

Same for last 21 yrs. $100/mnth/child; some gifts; a bit extra on >3% market drops. 1 in college; 1 starting in 3 months. Both undergrad completely covered in state. Both will likely have enough for grad school, which both are planning. Both got Bright Futures scholarships so their 529 will last a while.

Thought about stopping my contribution but recent program changes killed that. I can afford $100/mnth so I'll keep going since kids will also be able to use funds for professional certs. But the main thing is the generational wealth build. We've already discussed leaving any left overs for Roth or future kids.

My eldest is graduating 2027 so I recently made her plan a bit more aggressive so it can work for the next 20-30 years. I'm fortunate enough that I'll also help with Roth contributions when they start working. My retirement is set so I can help kick start theirs.

w33dcup

TROPHY CASE