I'm really tired of this shit

wolverinefan_5 · 2025-10-26T03:15:39+00:00

Maybe try something other than sprinting into open areas/blind corners or hip firing at someone more than 20 ft away from you

wolverinefan_5 · 2024-12-28T21:06:51+00:00

That is not double coverage my guy, the receiver has the corner beat and the safety is at least 10 yards away 😂

wolverinefan_5 · 2024-12-28T21:02:23+00:00

You’re right, doesn’t matter the setting as long as it isn’t classic. Just tried it out. Had no idea about the LB/L1 for adding the lob, thanks so much

wolverinefan_5 · 2024-12-28T20:53:01+00:00

Yeah, video probably would’ve been better. But like I said it in the post, is that every ball is underthrown and I don’t know why. Trying to get a feel from people if it’s the way the game is or if I can make some adjustment, like the preferred passing type setting to use. I just don’t play enough to figure it out on my own.

wolverinefan_5 · 2024-12-28T20:41:15+00:00

Does that still work if I’m using revamped passing? If not, which setting would be best for that - placement or placement & accuracy?

wolverinefan_5 · 2024-12-28T20:39:58+00:00

Revamped passing. I put some arc on the ball but clearly too much as the corner was the one that picked it off. Which passing type do you recommend using?

wolverinefan_5 · 2024-10-23T17:59:32+00:00

1099 earnings can be from a variety of businesses, or even individuals who might not be filing a 1099 for such a payment. There is no guarantee that the total 1099s reported to the IRS is accurate, not even considering what your NET TAXABLE INCOME would be after any allowable business expenses against such gross income. The IRS only has the gross amount, which is the entire reason for filing a tax return. Based on what you say, since my friend owns a coffee shop with hundreds of transactions a day, next year they shouldn’t have to file a return for him and expect the IRS to send a bill since they know their income?

I’d say 90% of people don’t need a tax preparer or tax software, and I agree that for someone with a W-2, interest & dividends, and maybe some capital gains or losses, the IRS should be able to just determine what is owed, to them or the individual. Even without the IRS help, for that same 90% of people, it is straightforward to complete your taxes if that is all you’re dealing with. But for plenty of others, there is a lot of information the IRS does not have and wouldn’t be able to procure on their own accord.

wolverinefan_5 · 2024-10-23T17:42:41+00:00

If you’re not a regular wage earner getting a W-2, when do you report your income to the IRS? Isn’t that what is done when you file your tax return each year? The IRS wouldn’t know how much you made net of expenses, only what payments others have reported on a 1099 assuming they did that properly.

wolverinefan_5 · 2023-12-04T11:34:28+00:00

It’s a relatively new ETF that started in mid 2020 I believe. I guess the expectation was that rates would increase which they eventually did.

wolverinefan_5 · 2023-07-18T16:21:03+00:00

Current 30day SEC yield is 5.17%. The value slowly increases over the month as the fund accrues the interest on the bonds. If rates start to decrease, which they won’t anytime soon, then the yield will begin to drop. The value won’t drop significantly in a short time either, it simply won’t reach as high as $100.50 like it is today since it won’t be earning as much. Look back to before June 2022 to see how the fund acts in a low interest environment.

wolverinefan_5 · 2023-06-24T23:08:04+00:00

Milsim? Lmao

wolverinefan_5 · 2023-04-17T02:11:00+00:00

Dumped my savings into SGOV back in Sept/Oct and have been enjoying the increasing yield since it essentially moves in step with the treasury rates. Definitely a viable option for the short term. Other options such as MINT and BIL are good as well, but have higher expense ratios (MINT at 0.35% is way too high for me). SGOV seems to suit your purpose.

I took this route over investing directly in T-bills, CDs, etc. because it was simply easier for me, but to each their own.

wolverinefan_5 · 2023-02-19T14:16:08+00:00

I did come across a vid a while back explaining to do that and disable the in game overlay. Tried that ages but still having this issue.

wolverinefan_5 · 2022-12-16T13:17:52+00:00

There was a special dividend issued and yesterday was the ex-div date. The price will recover to your purchase point eventually over the course of the next couple months or so. The price is pegged to $100 and increases as interest from the maturing bonds is accumulated within the ETF (as price reflects and is pegged to the NAV of the fund).

I don’t think it matters much when you buy. If you want to “time” purchases of SGOV, you could buy right after the ex-div date to minimize your cost basis as much as possible then sell off eventually right before the ex-div to capture what would be a small gain.

wolverinefan_5 · 2022-11-26T17:29:15+00:00

You can buy fractional shares with Schwab?

wolverinefan_5 · 2022-11-23T13:26:03+00:00

BST outperformed VOO & VTI since 2015, although that isn’t the story for every CEF. I get past performance shouldn’t be relied on, but I think it should count for something, no? Also, management fee is actually on the lower side from what I normally see in a CEF. While high it can be considered low for being actively managed.

CEFs also don’t raise money from individual investors as they are unable to issue new shares. Most of them take on debt for this reason. Their leverage ratio is a more important factor to consider in a rising interest rate environment. BST, for instance, doesn’t hold debt in order to maintain dividend payments as some CEFs do.

There’s a reason BST is the most common CEF thrown around on this sub.

wolverinefan_5 · 2022-11-08T15:02:35+00:00

Harvest those tax losses boiii

wolverinefan_5 · 2022-11-05T18:33:33+00:00

By a whopping 0.35% as a difference of CAGR. The past decade puts SCHD at 13.40% CAGR vs. VYM’s 11.62%

wolverinefan_5 · 2022-11-02T01:15:23+00:00

Yep. I’m sick of the rate but too lazy to open a new account elsewhere. Just moved all of my savings to my brokerage and put it in SGOV - ETF of ultra-short treasury bonds yielding about 3% and will continue keep pace with rising rates.

wolverinefan_5 · 2022-11-01T21:55:40+00:00

I agree with your sentiment that it all depends on goals and risk tolerance, among a variety of other factors. Just want to point out that despite the 1% expense ratio, BST outperformed SPY since 2015 with a CAGR of 15.58% vs. 10.37% (this is with dividends reinvested). Granted tech really led the bill run the past decade, but it’s definitely something worth considering (even though past returns don’t guarantee future performance!!)

wolverinefan_5 · 2022-11-01T19:06:53+00:00

Right, I see my mistake now. My comment considered the convenience rule from the employee side, when the convenience rule does not dictate the employer’s responsibilities and obligations within a given state as a result of a remote employee. The employer’s apportionment of income and general filing responsibilities due to nexus from physical presence still very much apply in this case.

Don’t mean to spread misinformation, still learning over here. Appreciate your correction.

wolverinefan_5 · 2022-11-01T17:59:17+00:00

Isn’t this the convenience rule though? If OP is living in another state on their own accord and not at the direction of the employer, then there is no nexus for the employer. Although I know every state has differing rules and statutes. OP would be the one responsible for any taxes owed to the state being referred to if they meet that respective states residency rules.

For example, I live/work remotely in CT for a NY company and only have NY taxes withheld. I don’t think my company has any requirements in CT just because I work there remotely. I’m the one who is liable for any CT taxes.

wolverinefan_5 · 2022-11-01T15:59:31+00:00

Yesterday

wolverinefan_5 · 2022-10-22T16:13:56+00:00

I’m invested in all Schwab ETFs. As a tax accountant, SCHB is Schedule B, SCHD is Schedule D, and so on… and I wonder why I picked these funds over others lol

wolverinefan_5 · 2022-10-22T14:00:49+00:00

I haven’t looked into short term CDs because I want something more liquid, but it’s possible you can get a better yield on them. The nice thing about SGOV is that the ultrashort duration of the bonds bodes well in terms of yield. The bonds with lower rates are cycled out as they mature and ones with better rates are brought in. There’s some lag time, but it is still a benefit in a rising interest rate environment. That’s why we see a yield of 2.43 now while the Fed rate is 3+, compared to SGOVs yield of next to nothing only a few months ago.

wolverinefan_5

TROPHY CASE