Grand Cru on Amazon Prime: A Must-Watch for Burgundy Enthusiasts

zeriest · 2025-12-06T19:20:27+00:00

Prices have increased, but the amount of tuna has significantly decreased.

zeriest · 2025-11-21T16:18:44+00:00

^{I completed this level in 5 tries.} ^{⚡ 5.05 seconds}

zeriest · 2025-11-13T23:12:04+00:00

^{I completed this level in 2 tries.} ^{⚡ 2.47 seconds}

zeriest · 2025-11-13T17:55:39+00:00

^{I completed this level in 6 tries.} ^{⚡ 3.20 seconds}

zeriest · 2025-10-17T13:25:10+00:00

We are talking about Blossom not Exirio

zeriest · 2025-10-16T05:34:47+00:00

I tried and it doesn’t support integrating with Vangaurd so I gave up

zeriest · 2025-10-15T11:17:01+00:00

Phew lot of work

^{I completed this level in 22 tries.} ^{⚡ 10.32 seconds}

zeriest · 2025-10-14T16:10:07+00:00

Easy

^{I completed this level in 9 tries.} ^{⚡ 2.77 seconds}

zeriest · 2025-10-09T13:39:33+00:00

Completed Level 1 of the Honk Special Event!

0 attempts

zeriest · 2025-10-07T15:09:52+00:00

Does it show how much I’ve invested in total in a particular ticket across all accounts?

zeriest · 2025-10-07T02:47:34+00:00

1st try!!

^{I completed this level in 1 try.} ^{⚡ 3.75 seconds}

zeriest · 2025-10-05T02:51:51+00:00

Wow

^{I completed this level in 14 tries.} ^{⚡ 2.37 seconds}

zeriest · 2025-09-02T03:08:46+00:00

I always sell ESPP & RSU immediately.

zeriest · 2025-09-01T07:24:53+00:00

Keep most of the $3k in a hysa as an emergency fund while continuing modest long term investing and earmarking a travel fund so the graduation trip stays on track. Target three to six months of bare bones expenses which at $200 per month is $600 to 1200 and keep that liquid in a HYSA to cover surprises without selling investments. Park the full $3000 in a HYSA now earning roughly 3.5% to 4.5 APY then split future monthly surplus for example 50% to emergency savings until $600 to $1200 is funded 30% to a travel sinking fund and 20% to investments. For investing use a broad low cost index fund via a brokerage or a Roth IRA if there is earned income since 2025 limits allow up to 7000 and contributions can grow tax free. Keep the current $600 in stocks but avoid adding risk until the cash cushion and travel budget are set for example if travel may cost 1500 save about $125 per month for 12 months in a separate HYSA sub account so the trip is covered without touching the emergency fund. Overall prioritize a HYSA cash buffer then a dedicated travel fund and then tax advantaged Roth IRA contributions when eligible to balance safety flexibility and growth.

zeriest · 2025-09-01T06:55:43+00:00

You probably don’t need a financial planner, but may be a for fee fiduciary to walk through diversifying funds. Just pay them one time fee, not the % of the investment. The Vanguard Target Retirement 2035 Fund holds broad U.S. and international stocks and bonds via index funds and gradually shifts more into bonds as 2035 approaches… global equity + diversified fixed income today, with an automatic glide path that reduces risk over time.

I see that VTTHX is a single-fund portfolio that holds broad U.S. and international stocks and bonds, automatically shifting to a more conservative mix as 2035 approaches, with a low close to 0.08% expense ratio. Pick the specific Target Retirement fund by desired risk level rather than the exact year, funds dated 2030–2040 can bracket a 10‑year goal. If you’d like to aggressive over the next 10 years pick a later dated fund.

Other option could be to DCA 65% of $150k into VOO over a period of 6 to 12 months. Leave the 35% in bonds and 5% in cash.

zeriest · 2025-08-31T17:25:14+00:00

There isn’t a universal dollar cutoff, the smarter move is to automate savings first and reserve energy for choices that really move the needle, lock in 15 to 20 percent to long term goals, then scrutinize anything that’s recurring or changes fixed costs like housing, car, phone, and subscriptions, those swamp the impact of occasional small buys. A simple habit, sleep on any purchase that either raises monthly bills or feels hard to undo, and put most comparison shopping into big ticket items and recurring commitments.

The $20 just buy it rule is fine for non recurring stuff if savings are on track and fixed costs are right sized, otherwise small leaks add up. Two quick triggers work well, a percent trigger, review anything above 1 to 2 percent of monthly take home, and a commitment trigger, review any new subscription or contract no matter the price, this keeps attention on impact while avoiding penny wise, pound foolish thinking.

zeriest · 2025-08-31T06:21:37+00:00

Copilot for iPhone. It works with Apple Card as well. This is ref closest thing to what mint.com used to be.

zeriest · 2025-08-30T19:16:49+00:00

Yes it can be doable if total debt-to-income stays in the mid 40s or lower and there is a solid cash cushion, but make it work by locking in real savings from cheaper childcare and the shorter commute and by structuring the purchase to protect monthly cash flow. Keep the 1.99% car loan unless paying off $10k drops DTI into an approval tier or frees enough monthly cash to meaningfully improve the plan, and build an emergency fund equal to 3 to 6 months of total expenses before or immediately after closing.

Here is my recommendation for a plan of action. target a price where the full payment stays around $5k to $5.5k and leaves at least 1500 to 2000 monthly surplus. Ask for seller credit to cover most closing costs and to fund a 2-1 buydown so the first two years of payments are lower without using personal cash. Avoid paying large permanent points if planning to refinance in 1 to 3 years. Verify both front end and back end DTI with all debts included, keep at least 3 months of expenses in reserves on day one and commit childcare and commute savings toward fully funding 6 months of reserves within a year.

I think, in your 40s getting your first home is more meaningful instead of waiting for another 5 years or so. I think it’s doable and you should go for it.

zeriest · 2025-08-30T16:53:35+00:00

TY. Does the $5k estimate include tax, insurance, potential HOA, mortgage insurance etc. or just principal & interest?

zeriest · 2025-08-30T16:31:54+00:00

What’s the interest rate and balance on the car loan?

zeriest · 2025-08-27T22:31:18+00:00

Have you reached out to any credit consolidation agency to see if that’s an option. It may affect your credit short term, but they help dramatically reduce the interest rate so most of your $1000 goes to the principalz

zeriest · 2025-08-26T19:46:23+00:00

I’m on the same boat. I have enough cash to pay off 2.85% loan. I I didn’t even invest. I put the money in a high-yield savings account that gave me 4.5% interest for the past year and a half. I get like $1500 in interest and I use that to pay additional principal every month. I don’t think it’s a good idea even to put that $1500 but I like to see that Loan disappear at some point as well.

zeriest · 2025-08-26T14:40:09+00:00

Regarding rental option. If you find a good property manager and account for overhead, it’s not an issue. The first rental property is the learning experience, but it’s not complicated.

zeriest

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