Lurker > 2Pacavelli

As we get older we may lose height anyway. Might as well get payed for it early I guess

I'm 6'4 according to my last doctor exam. And least time I measure myself I'm about 6'3 barefoot.

I love my height it's just about perfect for me.

But for this amount of funds I might just do it and take off one inch

But maybe not

Damn this is pretty sad smh

ChatGPT is legitimately a strong tool that's going to be used heavily like Google and YouTube.

NT? What state is that?

Xbox One DRM no used games attempt was a self inflicted suicide that they still haven't been able to come back from fully in terms of console sales. Even if they got rid of the policy

Easier said than done

LonelyStoner posted...

What are native executables

Like .exe files on Windows

Michael Jackson

I leave it because I've gained way more in knowledge and just general enjoyment being on this website than not, especially CE and other boards

I like it in Crysis and GTA 4

Yeah I was if I'm being honest with myself. Mainly just made fun of and ostracized

I take option 2.

Quick request though, can I make the job I do in Job two more relevant to my career? Like 12 hours of computer programming, making phone calls to project stake holders etc?

Sad_Face posted...

I think it's very impressive you made it to $75K portfolio, though I should ask how much did you invest in it?

In total about $25000 or so

Sad_Face posted...

And how the hell did you rack up such a debt anyway?

After losing my job in January, I've been using the cards to pay rent and bills, along with expenses for other family members when in need for rent etc. The debt just ballooned a lot quicker than I expected.

jsb0714 posted...

Wouldn't you take a big hit for using that money? Would you even get $56000 from it?

That's also what I'm researching from it.

I know there's a 10% penalty with withdrawal. I'm wondering if they take the 10% immediately then the extra income tax I'll later account for on my taxes.

Or if they immediately take about 35-40% from it upon withdrawal.

Also I'm thinking about if I may qualify for any hardship withdrawal status so I can take it out with zero penalty. Going to make some phone calls tomorrow

But some good news is that I finally started receiving a few unemployment payments so that's good. Plus I have some job interviews schedule for next week. Going to do my best to land a position

Sad_Face posted...

Unless you were degenerate shitcoin gambling (buying in clearly meme coins designed to be ponzis run up in value because of the hype), keep the crypto. Everyone is telling you to sell off crypto and not the 401K because they don't understand the technology. If you're invested in blue chip crypto like BTC/ETH/Link, you're fine.

My top 4 holdings are BTC/ETH/XRP/ICP, and after that a variety of alt coins like FLR, HBAR, ALGO, XLM LTC and others

ICP is the one that has given me the most significant gains in recent months. If I withdraw from it I'm have to pay short term capital gains

Thanks for the tough love CE. All the comments are appreciated, including the harsh ones. I'm going to do my best to make sure this is handled within the month.

Took all comments into consideration and reflected.

Still debating the direction I'll take, may take equal funds from both of I'm too indecisive. But also will call the 401K accounts to see if the 401K loan is an option so I didn't have to take from any principal of the accounts.

Regardless of anything the plan is to completely clear the debt over the next few weeks so I can start with a clean slate as soon as possible. I also have interviews lined up that Im going to do my best to focus on so that I can take action to replace whatever I take out of either crypto or the 401k accounts that I replace it quickly

I don't even have a top 10 because there's so many great rappers

Some of my favorite though

2pac
DMX
50 Cent
Kendrick
J. Cole (I always liked him but he moved way up my favorites list after Might Delete Later. Very skilled MC)
Max B(So wavy)
Rakim
Loaded Lux

Off of the top of my head these are some of my favorites

Based on the Cuda Cores amount, the graphics performance may be near the GTX 1660ti or RTX 3050

I played Legend of Zelda Oracle of Ages on Game Boy Advance

So if was a game boy color game played on a game boy advance system

Best of luck. I began boxing training back in November to help me stay in shape.

Was doing pretty good but then injured my ankle during basketball in February which led to me giving it a hiatus.

I don't think I'd ever go pro though

Damn they better leave Sweden alone. They don't do anything to anybody

https://gamefaqs.gamespot.com/a/forum/b/b3ddd257.jpg

Posting some more pics

https://gamefaqs.gamespot.com/a/forum/3/340b8bcf.jpg

https://gamefaqs.gamespot.com/a/forum/a/a90d8eda.jpg

Sonic Frontiers feels great to me in Fidelity mode on PS5 at 30fps. It's smooth and responsive even though it's 30fps

TheHoldSteady posted...

I care more about stability of frames than I do raw numbers

This

Yes if it has good frame pacing, smooth animations and responsive timings with inputs and minimal input lag and stutters.

Along with excellent graphics for the hardware is running on. So if it's a PS5 game it has to be running at 4K with awe inspiring great graphics all around

Nice she looks like a Ranger

LeoRavus posted...

I was in a scenario like this when I was out of work years ago and filed for bankruptcy. I was paying bills with credit cards. I was also a homeowner and didn't care about my credit, I just needed those bills to go away and they did.

No regrets. I believe the bankruptcy cost $1800 total which the lawyer took in installments each visit. Having over $1000 a month in credit card payments that would never go away was one of the most stressful things ever.

How bad was the impact on your credit score?

GTA 4, GTA San Andreas, GTA 3 and GTA 5 are my favorite Grand Theft Auto games. Along with an honorable mention for GTA Vice City

GTA 4 is actually my favorite of the series

HighSeraph posted...

Fallout New Vegas

That's a quality pick right there

I remember having Pokemon Diamond back in the day and I thoroughly enjoyed it. I highly recommend it

Dialga is also one of my favorite Legendary Pokemons. So at least you'll get access to it, even though Dialga is in Pokemon Platinum as well

A lot of times. I used to work at MetLife Stadium so everytime I went to work to go to the Meadowlands I took the train to Time square then the NJ Transit at the Port Authority whenever I had to go to work and come back as well.

Also went a lot often just with my friends

CRON posted...

Nintendo Switch Home

Trust me on this

This makes sense

Switch+ or Switch Plus

I hear you

spriga posted...

Reading all that was getting frustrating. Is the chud going to pay off the debt with crypto or be an idiot?

Why call me a chud though?

I'm not a Trump supporter

emblem-man posted...

Short term capital gains tax is just your income tax rate right? How long have you been unemployed? If for most of this year, you might not even have much tax to pay cause your income is so low. If you've made no income from a job this year, you'd just be paying income tax on whatever your crypto gains are for the year.

If you withdraw your 401k, you're paying that income tax + 10% penalty right off the bat.

This may be true. I just know my heart will hurt so bad if I see that I withdraw the crypto and then the crypto surge happens and I look at what my account would have been if I kept everything and is deep into the 6 figure range or more

That's a situation I'm really worried about and don't want to experience

WingsOfGood posted...

Lol

My bad I meant Best Buy lol

Dat_Cracka_Jax posted...

When do you hit the year mark? Have you just bought and held or have you been actively trading?

I hit the year mark around January 2025. Also if I withdraw in 2025 I won't have to pay taxes until 2026.

I mainly have just bought and held. I try to do as little trading as possible. In recent months I haven't bought at all though due to not having any income

[LFAQs-redacted-quote]


The best buy card is usable everywhere, also it has an intro 0% APR for 24 months

Even so I understand, I may not have the best decision making seeing how I got into this situation in the first place regardless

Dat_Cracka_Jax posted...

Were you paying their rent and bills while you were unemployed? I can't imagine anyone in my family allowing me to do that

Yeah even though they'd help me out with a little here and there. They try to pay their bills, but all in all I've basically been the financial safety net for when they are short and it's been killing me for a while. A long with my own responsibilities

One of the apartments is the family home I grew up in, and the second is time that my Sister was recently able to move into. The good things is that the rent is very low and it's rent stabilized in NYC (Rent is $800 a month). I payed the first month and security deposit for her to be able to move in as well as helped her with the paperwork to be able to qualify for it. So now my Sister and my two nieces have a much more hospitable home to live in.

The other apartment that my Sister and I grew up in that out Mother passed down to us, my Nephew (32) currently lives in. It's a one bedroom apartment. Before getting the new apartment they all were living there and it wasn't the best living situation. That costs about $950 a month

My own rent is $1700 a month. We all live in NYC

Recently they've been able to come through with the rent more often but I'm general when things are short I'm the one that steps up to cover it. That's how it's been since 2018 when my Mother passed away

That's not too say I haven't made my own irresponsible decisions, but it's also harder if I have to be mindful for myself and others

Smashingpmkns posted...

Man I get nervous when I put $1k on my CCs that I pay off every month. Good luck getting out of that. I wouldn't take from your 401k. Crypto seems like the obvious choice especially if you're unemployed. Dunno how much gains you expect to receive if a bull run does happen.

I'm looking to a potential 3-10x on my current portfolio once things start getting momentum

About a month or two ago my same crypto savings was at about $105K total.

So it's really the potential growth that I'm worried about missing out on

The 401K on the other hand is valuation has mostly been stagnant for the last 4 years. What I have in it is primarily from my contributions and employer matching

So that's why I'm debating it right now.

I'm the other hand I know how volatile crypto can be as well on the negative side to so I also understand the idea that I should withdraw from that instead

I was also thinking maybe withdraw an even percentage from everything both the 401K accounts and the Crypto. The main thing holding me back is tax implications and penalties. I'm anxious about that. And once I do withdraw I'll be in the hook for whatever those penalties are

badjay posted...

How did you even accrue this debt. I hope it wasn't putting money into crypto somehow.

Lifestyle creep during my time of employment, plus support family members in terms of their rent and bills. Once I lost the job the debt began to snowball

emblem-man posted...

You should dump the crypto before you dump the 401k.

Wait, how much of that 75k is crypto gains and how much is money you actually put into it.

Mostly gains

I'm also concerned because I'd have to pay short term capital gains if I do withdraw from the Crypto

littlebro07 posted...

I don't think 69k in 401k cashed out would not be enough to cover 56k in debt when you factor in all the taxes and early withdrawal penalties.

Maybe get a debt consolidation loan instead?

Last month I applied for one with Discover that was supposedly pre approved, but I got denied.

Bass posted...

Can you take a loan from your 401K instead? That way you wouldn't be hit with the early withdrawal tax and the money would eventually be replaced.

And yeah, just sell the crypto. Didn't see that post.

From speaking to an advisor, I don't believe I can because I'm not employed. I have to have active employment and the funds would have to be rolled into one 401k before I can take out a loan on it

So my other strategy was to do my best to find employment and then I can start making payments towards the debt or even use the 401K loan strategy. But that's easier said than done. Who knows how long I'll be without a job if places aren't hiring

I also have about $75000 in Crypto I can use as well but it's so unpredictable and the next few months / year is expected to be a bull run so I'm worried about potentially stunting myself if I sell any of it prematurely

ktownslayer16 posted...

resetting your retirement (assuming thats what the 401K is for) is a bad idea IMO.

Is that debt all on one card? or do you have multiple cards with various amounts? Do the snowball method (pay smallest first regardless of interest rates etc)

It's across 8 different cards.

This is the split basically

Chase Sapphire Reserve - 15000
Discover - 14500
Chase Freedom Unlimited - 10000 - Low Interest
Chase Freedom - 4200
Citi - Best Buy - 4500 - Low Interest
Citi - Travel - 4000 - Low Interest
Capital One - 2500
Marcus - 1000