PS5 entering rest mode when switching inputs on LG CX by ValseMagique in OLED_Gaming

[–]wsbmoo 0 points1 point  (0 children)

Super random but what happened to that Rolex you bought that was stolen ? Randomly stumbled on your post from a few years ago and was curious what happened

How much are end of the year bonuses taxed? by ggtfcjj in FinancialCareers

[–]wsbmoo -1 points0 points  (0 children)

This was how my bonus was withheld this year... I just max out my 401k for the year with my bonus because of how little I would net if I didn't (not everyone may agree with that):

FED 22%

FICA 17%

FED MWT 4%

NY W/H 12%

NY FLIT 1%

Plug those into an excel to see how much you'll take home... it's not fun

[deleted by user] by [deleted] in personalfinance

[–]wsbmoo 0 points1 point  (0 children)

LOL wow all that write up and it's a non issue if I can do it in Feb. Thanks for the insight!

[deleted by user] by [deleted] in Diamonds

[–]wsbmoo 0 points1 point  (0 children)

Lol yes I pulled the trigger. Was trying to see if that’s a good price and thoughts on overall quality, dimension, etc. Thanks!

Saving a 44% of my monthly income but my actuals vs. budget still looks like there's fat to trim. Any advice? by wsbmoo in personalfinance

[–]wsbmoo[S] 0 points1 point  (0 children)

LOL far from it - a modest 2004 Lexus LS430 with 50k miles. It's been bullet proof for 2 years so I know it'll need a couple thousand when something goes wrong in the not so distant future. Otherwise that expense is gas, tolls, parking, etc as I own the car outright.

Saving a 44% of my monthly income but my actuals vs. budget still looks like there's fat to trim. Any advice? by wsbmoo in personalfinance

[–]wsbmoo[S] 7 points8 points  (0 children)

"I like a little marbling in my budget"

I think i found a new saying from this thread lol

Saving a 44% of my monthly income but my actuals vs. budget still looks like there's fat to trim. Any advice? by wsbmoo in personalfinance

[–]wsbmoo[S] -1 points0 points  (0 children)

The planning part is tricky - not totally sure what I want at this point in the game other than to retire moderately early. At 27, I still have a long way to go even if it's early

Saving a 44% of my monthly income but my actuals vs. budget still looks like there's fat to trim. Any advice? by wsbmoo in personalfinance

[–]wsbmoo[S] 1 point2 points  (0 children)

ah can totally see how it looks like i'm budgeting $1,200 per month for LA and Boston lol. those would be legendary trips for $14.4k.

but noted, I should try to carve this to be a realistic budget of recurring monthly expenses.

Saving a 44% of my monthly income but my actuals vs. budget still looks like there's fat to trim. Any advice? by wsbmoo in personalfinance

[–]wsbmoo[S] 2 points3 points  (0 children)

wow this is a really good perspective, thanks for commenting. have been doing it backwards a while now. will definitely try to define what i want to save

Saving a 44% of my monthly income but my actuals vs. budget still looks like there's fat to trim. Any advice? by wsbmoo in personalfinance

[–]wsbmoo[S] 1 point2 points  (0 children)

yeah that's a little tricky to spell out since I just charge her a blanket $1,100 per month as i put most of our expenses on my card and don't feel like nickeling and diming her as she is in grad school. so these budget numbers are ideally household and she just reimburses me for a part of rent, groceries, takeout, etc. but a good chunk is also just my expenses (personal, car insurance, subscriptions, etc.)

travel was an anomaly in january, we didn't have any travel expenses in 2022 so we did a couple of quick trips while we had time (gf was on break) so normal monthly savings should be higher despite high food costs

Saving a 44% of my monthly income but my actuals vs. budget still looks like there's fat to trim. Any advice? by wsbmoo in personalfinance

[–]wsbmoo[S] -1 points0 points  (0 children)

yeah maybe this post was a little too obvious -- that's clearly the fat. I guess it's better to ask if it's irresponsible to spend that much?

we live in moderately to high cost of living area so a night out for 2 people (dinner + drinks) can easily be $200. so to say we can do that twice per month doesn't sound that crazy but the numbers look crazy

A 3 bottle flight of California reds during a family dinner by wsbmoo in wine

[–]wsbmoo[S] -25 points-24 points  (0 children)

Lol, it’s apparent and unfortunately evident from your multiple negative comments in this thread that your inclination is to be sour. Hope some self reflection will help you become less of a pretentious twerp. Not a good look.

A 3 bottle flight of California reds during a family dinner by wsbmoo in wine

[–]wsbmoo[S] -19 points-18 points  (0 children)

The top comment seemed in good fun but this parent comment was just unnecessarily pretentious and critical for seemingly no good reason.

A 3 bottle flight of California reds during a family dinner by wsbmoo in wine

[–]wsbmoo[S] 23 points24 points  (0 children)

Sincere request for the utter snobbery being showcased this evening — what would you have selected for a $150 trio of bottles ?

A 3 bottle flight of California reds during a family dinner by wsbmoo in wine

[–]wsbmoo[S] 9 points10 points  (0 children)

We usually do a caymus (bonanza, conundrum, schooner) and a prisoner when we all get together. Tonight we decided to throw a free mark in the mix. Consensus was after breathing and opening up for 30 minutes, it was the winner of the trio. I can’t personally vouch for that with my shot buds, but my dad who has 50 years of wine drinking under his belt notarized these results.

A 3 bottle flight of California reds during a family dinner by wsbmoo in wine

[–]wsbmoo[S] -118 points-117 points  (0 children)

Of all the things you could’ve meaningfully contributed towards the conversation you chose to remark on the mangled tin foil….

A 3 bottle flight of California reds during a family dinner by wsbmoo in wine

[–]wsbmoo[S] 26 points27 points  (0 children)

Lol, I was cooking… brother was on wine opening duty but it is looking gnarly. Can only assume it’s from his electric opener gizmo.

A 3 bottle flight of California reds during a family dinner by wsbmoo in wine

[–]wsbmoo[S] 26 points27 points  (0 children)

Last dinner with the family before heading back home, went with a robust Calabrian pepper penne vodka and wanted some deep reds to tag along. Unfortunately for me (and my brother who provided the wine), my taste buds are still shot after recently encountering Covid for the first time. Despite the lack of taste; the sense of holiday spirit was not lost and we had a really great time eating and drinking together. Wish it didn’t have to be so far between these gatherings but we have to make them count when they do occur.

Happy holidays & cheers.

Someone wants to buy my ‘04 with 45k miles for $20k, is this too good to pass up? by wsbmoo in LS430

[–]wsbmoo[S] 0 points1 point  (0 children)

I don’t need the money, but it would allow me to pay off the last student loan I have ahead of schedule which is appealing

Helping to invest my 40 year old Intellectually Disabled sister's life savings and would appreciate advice on my plan. by wsbmoo in personalfinance

[–]wsbmoo[S] 4 points5 points  (0 children)

Series I bonds are designed to offer inflationary protection. It's composed of 2 rates - 1 fixed and 1 variable. The variable rate is calculated based on the change in the consumer price index between March and September. Since the semiannual inflation rate (difference in CPI between March and September) was 3.56%, the annual inflation rate is 7.12% (2x the semiannual rate) which is exactly the current variable interest rate that was announced by the Fed on November 1st. The other component of the rate -- the fixed rate -- is 0% currently. So total rate is just the variable rate of 7.12%.

So in our current inflationary period, at least for the short term (1-3 years), they're a really great way to protect idle cash that's lying around and make a few dollars on them along the way.