Lurker > MaddenDude--

Dorfmann_ posted...

Have you considered changing your username?

I forgot my password for a year so I made a new account

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I am Dan_Haren

1. Baseball
2. Soccer
3. Basketball
4. Hockey
5. Football

That's in order of quality.

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I am Dan_Haren

pure_temper posted...

if you are already killing it by doing everything in your OP, the limited amount you can put into an HSA for tax benefits from investing is trivial tbh. imo it's worth the peace of mind to have the best insurance possible, just in case.

no real need for an HSA tbh unless you know your risk profile for healthcare needs, sounds like you will figure that out! personally I always go for the best plan offered and just invest the HSA money into crypto or savings account tbh

Well I think of expenditure now with taxes factored in...like I'll compared my post tax low deductible costs + post tax out of pocket expenses for medications with pre tax HSA high deductible + pre tax HSA money going towards medication expenses, with hsa growth factored in. That may changes things significantly.

The way I see if it anything is tax advantaged or tax deductible, you're essentially getting 40%-45% off.

And the HSA I think has a higher contribution limit compared to an IRA, so it's essentially a second, better IRA.

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I am Dan_Haren

pure_temper posted...

typically you need to accept higher premiums/deductibles in order to get an HSA, so if you have frequent medical needs or want to avoid high deductibles then you'd not get an HSA. the HSA is usually an extra to justify taking on a riskier plan, but tbh if you are relatively healthy it could make sense to just go with the HSA

Yea this is the only problem with this. I have a PPO right now with high premiums, low deductible. We will have gone through 2 newborn deliveries, several medications, regular OB visits...so I'll add up all those costs and try to backtrack and see if a high deductible plan + HSA tax savings would've been better.

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I am Dan_Haren

hockeybub89 posted...

If I make you money, then I deserve a share. 60 year old men can play their own damn football if they want to keep all the money

When a student shows up to class, the school gets funding. If a student misses class, the school loses funding. Should all students across america get paid to show up?

You're also proposing to ban all volunteer work, internships, unpaid research, etc.

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I am Dan_Haren

CE_gonna_CE posted...

Everything else sounds super and way to go. Wish I wouldve started maxing out my HSA much sooner than I have.

Yea real state is the long term goal, once I'm comfortable with my income/savings after all those retirement contributions, my plan is to switch to real estate. The problem is that I'm in california so real estate is expensive af. I can look in central valley and more remote parts of california. I also have some connections to nevada and know the area. I don't think I'd go further than that. Thats many years down the line.

As I read more about the HSA, I don't see any downsides. Worst case scenario is works exactly like an IRA. I would assume maybe the investment options are less?

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I am Dan_Haren

MutantJohn posted...

This reminds me of those threads on r/PersonalFinance where the OP is all like, I have a quarter mil saved up and I'm only 23, am I doing alright?

Well no matter what stage of life or whatever little you have, you should always be looking to optimize your finances.

It baffles me how some people are unable to comprehend why people who are well off would want to manage their finances intelligently. Its like they think anyone who has more money than them has endless cash and doesn't ever need to do anything with their money.

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I am Dan_Haren

g980 posted...

I mean the real question is where are you putting your IRA/401(k) funds

Bogleheads 3 fund portfolio style

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I am Dan_Haren

Its all a big game.

Taxes, investing, finances...its literally all a game that the government has made, where they set the rules. They make the rules intentionally confusing so that some people give up and lose the game, some people try but suck at it, and others do well. All this stuff can be simplified if they really wanted to but not everyone can win or else no one wins.

This "game" has brought out my competitive side, so I'm very much enjoying reading and studying this stuff now.

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I am Dan_Haren

I know alot of people who are lower socioeconomic class. They are basically stuck there because they don't have the drive to get out. I'm talking about my own family and friends whom I know well. They find low to medium paying jobs, settle down, but don't really do anything else beyond that to keep moving up the ladder. They end up saving some but most of their spare change gets spent. They make excuses for everything and find every reason other than themselves to blame their situation on. I get that the system is built in a way that makes it tough, but that doesn't mean you don't at least partially share the blame.

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I am Dan_Haren

time to stock up on toilet paper

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I am Dan_Haren

And its not just these "billionaires" who have crazy roth IRA accounts.

I'm sure theres tens of millions of ordinary people who have significant roth IRA money into these companies in the 90s that blew up over the last 30 years.

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I am Dan_Haren

Kuuko posted...

I'm not sure how your college experiences went but for most of us we still had expenses we needed to cover to survive. Without loans or without your parents paying for everything you need some form of income. You're right that no one is forced into it. It is a choice - it's just one where the demand far exceeds the supply. But that's the same reason minimum wage exists at all. If it didn't exist then employers would be able to more easily exploit workers from receiving a living wage (and it's not even a living wage anymore). A medium-to-large sized organization offering an unpaid internship hardly has an excuse to avoid the sacrifice of the bare minimum $7.25 an hour.

I took loans to cover my expenses. but me doing unpaid internships, unpaid research, unpaid tutoring was on my time investment to build my resume and network.

Like I said, just because loan interest rates are sky high doesn't mean its the entire worlds job to make sure you can afford to pay it. Interest rates need to be a more reasonable level. I get that the people getting these loans have no credit but its the governments investment into the country's future through education.

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I am Dan_Haren

backdoor roth or mega-backdoor roth will get you anywhere from the 5-10 million range over 40 years based on decent-average return rates.

Only way it gets to the billions is if you making some AMAZING investments that go up by something in the order of 1000 percent. So a stock going from pennies or fractional pennies goes to the hundreds or thousands.

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I am Dan_Haren

Playing football, being upset then you're not getting paid, then not making it to the NFL and becoming a fast food worker is equivalent to interning at a law-firm, not getting paid, not making it to law-school, then becoming a fast food worker. You chose your own career path. You gambled on yourself and lost. You should've chose wiser.

And I'm all for cheaper college tuition. My own personal federal student loans are half a million right now. Thats a separate issue though.

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I am Dan_Haren

Kuuko posted...

It's a separate topic altogether but unpaid internships are absolutely a disgusting practice just as much. In theory it's like "job shadow us and we'll show you how it goes around here so you can get a little experience and understanding of the field" and in practice it's just "give us free labor and be grateful we're even allowing yourself to be associated with us". It's only tolerated because students in certain fields are so desperate that being exploited and taking out more loans to temporarily get through it in the absence of even minimum wage is the best option they have

I don't think its a big deal in college tbh. Your time is your investment. If you feel like investing it in an internship is worthwhile, then so be it. If you feel like its best for your future to play football, then so be it. No one is forcing them to play, likewise no one is forcing them to intern at a company. You don't have to take more loans to do intern work. You just have to better manage your time.

And in internships you have the opportunity to thrive, to network, build your resume. Theres tons of benefits that can value more than just a salary.

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I am Dan_Haren

Sad_Face posted...

Companies' revenue streams aren't dependent on interns. The profit margins of colleges and consequently the cities they reside in can be heavily influenced by the success of their sports programs, which revolve around student athletes. More games a team wins in a competitive league, the more attention they get, which means more applicants to the school, and more fans visiting the city that you can monetize a tourism industry around.

And thats why they get scholarships while most students don't, even some of the brightest students don't.

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I am Dan_Haren

Dude crashed and burned without any issues whatsoever.

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I am Dan_Haren

hockeybub89 posted...

I, for one, am against the exploitation of workers, and think we should blow up how life works if that's the case.

Except its not exploitation

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I am Dan_Haren

-It depends on how you view college sports. How is it different than an unpaid internship where the company makes money, you acquire skills/training and resume building while working part-time or full-time hours. Its an investment into your future. In some cases it ends up being a waste of time and you go into another field. In some cases its a great opportunity to advance into better positions. How is sports any different?

-A large number of athletes get scholarships anyways and in turn they are required to participate in sports. Its the equivalent of a student getting a scholarship who is expected to bring prestige to the university's name. That's the universities investment. If a student does breaking research for a university lab and brings them fame and money, the student doesn't get production bonuses. So why should the athlete?

-College sports already has a major problem with lack of parity. This will exacerbate that problem as wealthier schools will be able to buy off the best athletes. Competition will suffer. Smaller schools won't be able to compete.

-I do think players should be able to market and make money off of themselves. So if a college player wants to sign autographs or market himself to sell things, I'm all for that. But I'm against colleges paying players a salary. I'm of the opinion that if you don't think its fair that you're not getting paid for your time, then quit. I'm sure they can find plenty of players who are willing to play for full scholarships who won't mind not getting paid. Thats how life works.


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I am Dan_Haren

fan357 posted...

If you make enough to have to use a back door Roth then youll be fine.

Im just never gonna be satisfied tbh, my entire life will be me chasing the next economic class above me.

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I am Dan_Haren

Damn_Underscore posted...

was expecting crypto good sign not to see it

I wouldnt gamble on stocks though i.e. penny stocks or meme stocks, buy stocks of companies you actually see potential for

Yea maybe a mix of both of those. I consider all stocks a gamble tbh. The above retirement funds will mainly be index funds.

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I am Dan_Haren

-Max 401k
-Max ira/ backdoor roth
-Max HSA and use it as a retirement vehicle
-Contribute a solid amount to 529 plans for each kid, which ideally I want to pay for their grad school and/or grandkids
-Contribute a solid amount to a brokerage account where I can gamble on stocks

What else can I do to save/invest for the future?

Is there anything

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I am Dan_Haren

He should get death penalty by hanging tbh.

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I am Dan_Haren

that is pure comedy

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I am Dan_Haren

wearing a mask on a plane is no big deal. I actually prefer it to always be this way tbh. Less risk that I'll catch some other bug from the guy next to me.

what I dont agree with is that kids 2 and above are required to wear masks. Theres no way a 2 year old is wearing a mask. And if you're kid is difficult, or on the spectrum or something like that, that is also going to be impossible. I think they should make medical exceptions for these kids and raise the age to like 4 or 5 for the mask requirement.

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I am Dan_Haren

They need to hire GRRM to be their writer.

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I am Dan_Haren

xXfireglzXx posted...

Are you clarifying that you want it dry? Because the majority of customers that order a Cappuccino wind up complaining that it's "50% foam" and return it. I used to work as a Barista, and I know the majority of staff I would work with got to a point where unless the person specified, or they were a regular, they would make their cappuccino's either 70/30 or 80/20 liquid to foam to avoid dealing with angry stupid people.

Just tell them you want it dry. And if they don't know what that means, you're totally justified in your general disdain.

Yes I want 50/50. 80/20 is basically a latte.

I can tell immediately when I pick up the cup if they got it right or not.

I don't want it dry tho, I want some milk. Even like 30/70 liquid to foam would be fine.

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I am Dan_Haren

KiwiTerraRizing posted...

Havent you heard? If you stop buying coffee and avocado toast youll be rich in a few weeks.

I actually just calculated all my expenditure for the last 12 months, was gonna make a separate topic about it. I spend $150 a year on coffee. It averages out to $12.50 per month. Usually it ends up being like 0-1 times per month, then in the winter months if I'm feeling under the weather or sore throat or something, I get chai tea lattes from starbucks and I'll get those like for several straight days. The PJs coffee is at work and I use a work meal allowance for it, so this doesn't cost me much. $40 out of my paycheck pays for a $250 allowance, so really it technically costs me a small fraction of the actual price.

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I am Dan_Haren

The Trent posted...

well, enjoy

How, it's not the drink I wanted. It'll partially get the job done since part of the job was to satisfy my taste buds

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I am Dan_Haren

Rather just drink the latte and release my angst by complaining on an internet video game forums for kids like everyone else.

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I am Dan_Haren

Hell yea, I'm no Karen

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I am Dan_Haren

At PJs coffee.

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I am Dan_Haren

Literal cheaters lmao

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I am Dan_Haren

bang her on the dinner table right then and there

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I am Dan_Haren

Email today about new changes:

3) Effective July 20, 2021, users who receive payments that are identified by senders as for goods and services will be charged a seller transaction fee of 1.9% + $0.10.

4) Effective August 2, 2021, the fee for instant transfers will be 1.5% per instant transfer ($0.25 minimum fee, $15 maximum fee).

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I am Dan_Haren

dude literally rambled a copy-pasta as POCUS.

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I am Dan_Haren

Giant_Aspirin posted...

still nowhere near as bad as

Look, having nuclear my uncle was a great professor and scientist and engineer, Dr. John Trump at MIT; good genes, very good genes, OK, very smart, the Wharton School of Finance, very good, very smart you know, if youre a conservative Republican, if I were a liberal, if, like, OK, if I ran as a liberal Democrat, they would say Im one of the smartest people anywhere in the world its true! but when youre a conservative Republican they try oh, do they do a number thats why I always start off: Went to Wharton, was a good student, went there, went there, did this, built a fortune you know I have to give my like credentials all the time, because were a little disadvantaged but you look at the nuclear deal, the thing that really bothers me it would have been so easy, and its not as important as these lives are nuclear is so powerful; my uncle explained that to me many, many years ago, the power and that was 35 years ago; he would explain the power of whats going to happen and he was right, who would have thought? but when you look at whats going on with the four prisoners now it used to be three, now its four but when it was three and even now, I would have said its all in the messenger; fellas, and it is fellas because, you know, they dont, they havent figured that the women are smarter right now than the men, so, you know, its gonna take them about another 150 years but the Persians are great negotiators, the Iranians are great negotiators, so, and they, they just killed, they just killed us, this is horrible.

https://www.snopes.com/fact-check/donald-trump-sentence/

this gets me every time

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I am Dan_Haren

i dont think we need more stimulus checks tbh. Tons of places are hiring. Inflation is already going sky high.

And the concept of giving everyone the same amount just doesnt make sense when there are such massive differences in cost of living across the country. There really are different americas, treating them all financially the same doesnt work.

A $2000 check for someone in bumfuck, arkansas is going to pay several months rent and their tobacco. The same check for someone in NY or California might not even pay a single months rent.

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I am Dan_Haren

Theres some newer evidence that if you've had covid, then 1 shot may be enough for even the 2-shot vaccines, but tbh I wouldn't rely on that until theres bigger studies showing that. Theres virtually no harm in getting the second shot other than feeling slightly bad for the next 36 hours.

I don't get why everyones trying to cut corners on something that is potentially life saving with almost no harm.

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I am Dan_Haren

also, i wanna take notes on my laptop but i know it wont look good to be typing while im chatting. whereas writing on paper while chatting actually is a positive sign.

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I am Dan_Haren

whatever fox news tells them

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I am Dan_Haren

philsov posted...

Ask your interviewer for their views about the SALT cap

Remember to look more in your webcam than at the faces on your screen.

Its pretty safe to assume their views on that.

But yea thats a good point.

TwoBit_Samurai posted...

I hate interviewing as it is, but for me a Zoom interview was somehow worse. It was also with an entire panel, so it had me very anxious.

I don't particularly like it but I don't hate it either. I don't worry at all about how I conduct myself, I'm confident that I'll project myself as professional. I can easily answer questions about myself, I don't need to script that. I worry about things like making sure I'm asking the right questions, because thats whats going to be most revealing about me. The whole "tell me about yourself" is a BS question that everyone answers the same way and they don't really judge you on much tbh.

Dakimakura posted...

Eat some prunes so you take a dump now

I always take a dump before, this time I didn't. I still have time though.

nothanks1 posted...

Is it for a doctor, a professor or for a lawyer?
Or perhaps a new career you now mastered?

doctor, first work after training.

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I am Dan_Haren

I'm alil nervous. Not satisfied with my list of questions to ask them. I'll be taking a dump tonight and suddenly all these great questions will come to my head that I wish I asked.

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I am Dan_Haren

>expected pics
>didnt get pics

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I am Dan_Haren

Talking about alzheimer's shouldn't be hard for 90 minutes. It might be boring but its doable. Theres probably tons of great review articles talking about the pathophysiology of the disease in detail. Huntington's or Parkinson's shouldn't be tough to get to 90 minutes either. And tbh with you theres probably plenty of pre-made presentations on those topics if you search hard enough online.

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I am Dan_Haren

bump

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I am Dan_Haren

Respect to Neuer for wearing the rainbow arm band. He's always been my favorite keeper but just adds to that.

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I am Dan_Haren

Bump

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I am Dan_Haren