Search found 1147 matches

by poker27
Sun Mar 10, 2024 9:54 am
Forum: Personal Finance (Not Investing)
Topic: What is a ‘title company’ - Capital One Wire Transfer
Replies: 17
Views: 3467

Re: What is a ‘title company’ - Capital One Wire Transfer

Yet another reminder that real estate is done differently in different states. I think I would start by asking Capital One how they handled it the last time they had a sale in NC. Might not work, though. You could also ask the law firm how they handle payments. Every state has a different way that real estate closings are handled. Nevertheless, I have never heard of a bank that limits to whom you can send a wire. Thanks…. Just to clarify, they limit wires to $50k, unless you are sending it to a title company. I’ll give them a shout in the morning and cross my fingers I’m good Sorry to revive an old thread but I'm currently in the exact same boat. Can you share your experience @poker27? I’m sure you already figured this out, but for anyone ...
by poker27
Thu Feb 01, 2024 6:05 am
Forum: Personal Consumer Issues
Topic: Suggestions on where to move?
Replies: 135
Views: 10688

Re: Suggestions on where to move?

I recently made the move from Chicago to Charlotte. Mostly due to weather and the proximity to outdoorsy stuff. 3 hours to the ocean, 2 hours to the mountains, 20min to the SC border.

I didn’t see any mention of the want to be near a major airport. That was a necessity for me, as adding connections to your trip really burbs me out.
by poker27
Mon Jan 29, 2024 10:26 pm
Forum: Personal Consumer Issues
Topic: What are some of the things that improved YOUR quality of life?
Replies: 254
Views: 41948

Re: What are some of the things that improved YOUR quality of life?

I never thought I’d do this, but I recently started paying for airport lounge access. Having a more comfortable space to work, and free decent coffee (or booze) makes a big difference for my work travel.
by poker27
Sat Jan 20, 2024 1:59 pm
Forum: Investing - Theory, News & General
Topic: Purchasing MYGAs (multi year guaranteed annuities) - mega thread
Replies: 2224
Views: 286947

Re: Purchasing MYGAs (multi year guaranteed annuities) - mega thread

Thanks to the heldful people here, I just purchased my first MYGA (10yr, 5.9% via gainbridge. Their site is so horrible, it looks like a scam, but as long as they payout, I’ll live with it

Two questions if I may…

The interest I occur…. Does it compound at the original 5.9% rate?

If I wanted to withdraw the interest, when and how can I do it? Their site is so bad it’s not even an option
by poker27
Sat Dec 30, 2023 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Airline frequent flyer status: how much is it worth?
Replies: 33
Views: 3443

Re: Airline frequent flyer status: how much is it worth?

I’ve been semi obsessed with status the past few months since I’ve been traveling a bit more.

I spend $650 for a year of admirals club.

I’m platinum status (2nd from bottom, 2nd from top), so I get free economy plus seats upon booking. I not only have never been upgraded to first, I’ve never cracked the top 10 on the upgrade list. I do fly from major airports.

At this point, it’s more of a game for me. But economy plus (free drinks) and lounge access to make travel more bearable
by poker27
Wed Dec 27, 2023 10:30 am
Forum: Investing - Theory, News & General
Topic: Purchasing MYGAs (multi year guaranteed annuities) - mega thread
Replies: 2224
Views: 286947

Re: Purchasing MYGAs (multi year guaranteed annuities) - mega thread

Hey all, I'm beginning to look into MYGAs to augment the bond portion of my portfolio.

I'm currently employed, but the goal is to take either a break or move to PT in 3-5 years, and will likely need to take something out of my portfolio at this time, so the income is nice, but not necessarily needed. I will be under 59.5, so the gainbridge Fastbreak caught my attention.

Whats the catch?

Right now Gainbridge is giving me a rate of 5.9% A treasury is 3.83%, and corporate AAA bond (which I would not consider) is 5.39%. I would consider an agency bond for a 10yr duration, but the callable option kinda kills that for me.

Am I missing anything? Anything additional I should look at?

Thanks!
by poker27
Sat Oct 28, 2023 8:09 am
Forum: Personal Consumer Issues
Topic: Car totaled - Need new car suggestions!
Replies: 95
Views: 10026

Re: Car totaled - Need new car suggestions!

28k for a model 3 sounds pretty darn good to me.

I will also say, I just got a Mazda 3 as a rental, and I was shocked as to how nice the interior was. I think it was an updated trim with leather, but it was nice and I got nearly mid 40 MPG
by poker27
Mon Oct 23, 2023 9:26 am
Forum: Personal Investments
Topic: Understanding Treasury Bonds
Replies: 5
Views: 987

Re: Understanding Treasury Bonds

hey all, quick follow-up... I'm not smart enough to purchase Treasuires at auction, and fidelity seems the simplest for me to understand, just want to make sure I have this right...

I'm looking at a 20yr treasury, which lists a 3.625% coupon, and 5.308 yield.

The coupon is annual interest paid, right to a 'settlement' account?

Then is the additional .7% of yield paid in a discount when I purchase the bonds?

Not sure why I'm having such a hard time grasping this :confused

But THANK YOU for any help :sharebeer
by poker27
Sat Oct 14, 2023 9:10 pm
Forum: Personal Investments
Topic: Anyone adjusting asset allocation given shrinking equity premium?
Replies: 49
Views: 7235

Re: Anyone adjusting asset allocation given shrinking equity premium?

I did lower my stock allocation not too long ago, but that was planned due to where I am in life. I did take much of my bond allocation and repurpose to treasuries. I suppose that may be market timing, albeit not exactly thrilling
by poker27
Fri Oct 13, 2023 1:57 pm
Forum: Personal Investments
Topic: Understanding Treasury Bonds
Replies: 5
Views: 987

Understanding Treasury Bonds

Hey all, I've purchased Treasuries on Vanguard, and Ibonds on Treasury direct, but bonds are confusing me a bit.

I'm interested in the 20 year yield, which I thought was hovering right around 5%. if I purchase the below 20 year, how do I confirm what my yield will be?

Product Term Auction Date Issue Date
19-Year 10-Month 10-18-2023 10-31-2023
20-Year 11-20-2023 11-30-2023
30-Year 11-09-2023 11-15-2023
29-Year 11-Month 12-12-2023 12-15-2023
by poker27
Mon Oct 02, 2023 8:12 pm
Forum: Investing - Theory, News & General
Topic: The unloved 20-year Treasury bond (now over 5%)
Replies: 33
Views: 6575

Re: The unloved 20-year Treasury bond (now over 5%)

This is likely a stupid question…. But on the 20year, how much of the 5% is a ‘discount’ and how much is interest annually?

I think the 20year might be a sweet spot for me, and was looking at it when it was 4.8 ish. So thanks for the heads up!
by poker27
Mon Sep 25, 2023 8:29 pm
Forum: Personal Investments
Topic: What type of fixed income for me?
Replies: 2
Views: 797

What type of fixed income for me?

Hey all, I’m currently 38, and plan on taking a long break, and ideally greatly reducing my work stress over the next 3-5 years (markets pending). At that time I would likely need to begin withdrawing ‘something’ from my taxable account.

Love the idea of an annuity, but the 10% fee makes it make a lot less sense at my age. Which has lead me to the 10 year Tbill, which is yielding 4.6% ish. I have a 75/25 portfolio, and I would be pulling from the 25 which is mostly IBonds, and VMFXX.

I don’t need the income for 3-5 years (nor need to make any changes), but the rate is appealing. Does it make sense? Anything else I should look into in this environment?

Thanks!
by poker27
Sun Sep 03, 2023 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Sell the house and FIRE now?
Replies: 63
Views: 7364

Re: Sell the house and FIRE now?

If you were to sell the house you would have about 1M in taxable you can begin to withdraw from…. Not enough at your age, IMO.

Would it be helpful mentally to set a date a few years out? Tell yourself now then you will quit your job Sept 1 of 2026 might be freeing. You no longer have to climb the ladder, take on additional work, or suck up.

Taking a part time, or fun job at 49 sounds realistic
by poker27
Sat Jul 29, 2023 12:16 pm
Forum: Personal Consumer Issues
Topic: Best Purchase < $1000?
Replies: 231
Views: 28455

Re: Best Purchase < $1000?

Couple recent things…

AirPods, at first I thought they would be like any other headphones, but they just work. Recently lost mine, bought a new pair the next day.

Cordless vacuum. It just makes it so much easier to quickly use it.

American lounge access. I don’t fly a ton, so it’s super expensive for me, and the amenities are fine at best. But it got me quasi excited for my last work trip, so I’ll consider it a success.
by poker27
Fri Jun 30, 2023 2:02 pm
Forum: Personal Investments
Topic: Understanding Treasury Yields
Replies: 5
Views: 963

Understanding Treasury Yields

I failed trying to google this topic, so here I am.

Like alot of us, I've been purchasing Treasuries via Vanguard due to the attractive yields and no state tax.

I MUST be missing something super simple... The below note has a 5.4% yield, so I would assume I would net 5.4% over 12 months.... But that does not seem to be the case. A nearly 13month bond below has a purchase price of $97,511 for a $100k note, way under 5.4% yield.

What am I missing? Please and thank you ;)


Issue Yield Price Coupon Maturity
United States Treas Note 5.401% 96.613 2.125 7/31/2024
Settles 7/3/2023

Face Value Accrued Interest Principal Commission Total
$100,000 $898.14 $96,613.28 $0 $97,511.42
by poker27
Tue Jun 20, 2023 1:24 pm
Forum: Personal Consumer Issues
Topic: Should I buy a cordless Dyson vacuum ... and which one? (Update! OMG!)
Replies: 83
Views: 12374

Re: Should I buy a cordless Dyson vacuum ... and which one?

At first I thought a cordless vacuum was a bit of a waste, but I've slightly turned a corner (after my SO told me we were getting one). I bought the Ryobi, only because I own several of its batteries for other things. I wouldnt consider it a great vacuum, but since I dont have any carpet, I think it gets the job done. And its soooo much easier to start and stop without plugging in a cord. I find myself vacuuming much more often these days
by poker27
Sun Jun 18, 2023 5:49 pm
Forum: Personal Consumer Issues
Topic: How does anyone fly on points anymore? (United especially)
Replies: 115
Views: 12796

Re: How does anyone fly on points anymore? (United especially)

I’ve never gotten a credit card previously for miles, but recently got the American Aviator for 60k miles. We just booked our direct, non stop flights on American last night for free… almost seems too good to be true!
by poker27
Tue May 16, 2023 11:11 am
Forum: Personal Consumer Issues
Topic: Best cities with lots of outdoor/hiking activities and good year round weather
Replies: 248
Views: 25072

Re: Best cities with lots of outdoor/hiking activities and good year round weather

So neither hot or cold weather? Idk if you’re gonna find anything outside of the Bay Area, I’d imagine East TN and Asheville get hot.

We recently moved to Charlotte. Much smaller city than we’re use to, but tons of outdoor recreation and hiking nearby. No snow, but I’m expecting a warm summer
by poker27
Sat May 13, 2023 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Making Offer on Homes - Question
Replies: 10
Views: 1220

Re: Making Offer on Homes - Question

I recently moved 12 hours away, put my stuff in storage, and rented a furnished apartment while we looked for a house. Houses were selling way above ask, first weekend they hit the market.

We looked at 4 places, and put in an offer and closed on the 4th first week we were here. Some of my favorite places online were undesirable in person (road noise, not flat landscape, condition)
by poker27
Thu May 11, 2023 8:39 pm
Forum: Personal Consumer Issues
Topic: Trip to Asheville, NC - where to stay?
Replies: 44
Views: 4601

Re: Trip to Asheville, NC - where to stay?

I’d personally find the coolest looking Airbnb with a hot tub, or with a view. Assuming you’re not going to be brewery hopping with kids, it doesn’t make much sense to stay downtown. It’s worth a day trip, but I would stay somehwere on the outskirts.
by poker27
Mon May 08, 2023 10:46 am
Forum: Personal Investments
Topic: Agency Bonds...
Replies: 10
Views: 1403

Agency Bonds...

Hey All,

I've been looking into Agency bonds given the yield, and just want to understand if I'm missing anything...

For example, I found a 5.75% yield 10 year bond, which is callable in November of this year.

I understand that there may be slightly more risk than Treasuries, but still VERY safe.

Is the only downside that it gets called in November and I receive 5.75% APR over the next 6 months?

Seems like a no brainer, as a 6month CD isnt paying similar interest, so feel like I have to be missing something!
by poker27
Sun May 07, 2023 9:44 am
Forum: Personal Consumer Issues
Topic: Where do you buy your pet's food?
Replies: 111
Views: 9400

Re: Where do you buy your pet's food?

Costco…I chose the yellow bag as the dog on the bag kinda looked like my dog.
by poker27
Fri May 05, 2023 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market [Home sales]
Replies: 2905
Views: 515249

Re: Tales from this insane real estate market [Home sales]

newyorker wrote: Fri May 05, 2023 6:54 am Are housing prices finally coming down?
I recently sold my townhouse in Chicago. Had to take it off the market after it originally didn’t sell, do updates, and it finally solid this spring.

Currently in Charlotte. I kid you not, 50+ couples would come through an open house, and just about every halfway desirable house sells the first weekend on the market. Folks wouldn’t even clean their houses or mow their lawns, and people would still buy them… and I was one of them haha. Different worlds
by poker27
Thu May 04, 2023 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: What is a ‘title company’ - Capital One Wire Transfer
Replies: 17
Views: 3467

Re: What is a ‘title company’ - Capital One Wire Transfer

jaydub71 wrote: Thu May 04, 2023 9:36 pm
adamthesmythe wrote: Thu May 04, 2023 9:32 pm Yet another reminder that real estate is done differently in different states.

I think I would start by asking Capital One how they handled it the last time they had a sale in NC. Might not work, though. You could also ask the law firm how they handle payments.
Every state has a different way that real estate closings are handled. Nevertheless, I have never heard of a bank that limits to whom you can send a wire.
Thanks…. Just to clarify, they limit wires to $50k, unless you are sending it to a title company. I’ll give them a shout in the morning and cross my fingers I’m good
by poker27
Thu May 04, 2023 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: What is a ‘title company’ - Capital One Wire Transfer
Replies: 17
Views: 3467

What is a ‘title company’ - Capital One Wire Transfer

[Note - this topic has been bumped 2/29/24 - see Subject: What is a ‘title company’ - Capital One Wire Transfer - Moderator Misenplace] So, I’ve come across a slight dilemma. I’m closing on a house next Tuesday, and planned to wire the money. Went into Capital Ones website, and they mention I can only send wire transfers to title companies. So I call the attorneys office that I’m suppose to wire the $ to and awkwardly ask if they are a title company, which of course I get told they are a law firm like there is something wrong with me. They proceed to tell me NC (I’m new here) does not have title companies. In my limited research, it seems a title company is a 3rd party that processes a title, which this law firm is doing. Anyone have any e...
by poker27
Wed May 03, 2023 9:37 pm
Forum: Personal Consumer Issues
Topic: How long have you been in your current house?
Replies: 148
Views: 12398

Re: How long have you been in your current house?

Bought my first house (townhouse) at 25, and lived in it for 11 years. Loved it, and if we didn’t move several states away, I would have probably never moved.
by poker27
Mon May 01, 2023 9:03 pm
Forum: Personal Consumer Issues
Topic: Tile Shower Costs
Replies: 22
Views: 3356

Re: Tile Shower Costs

I recently sold my house, and the realtor recommended a ‘designer’ to purchase supplies and use her people. I was shocked at how inexpensive the costs were. Idk if the supplies fell off a truck, but everything looked great in the end.

That reminds me I need to ask our new realtor for a recommendation.
by poker27
Mon May 01, 2023 1:24 pm
Forum: Investing - Theory, News & General
Topic: why do people deposit more than the fdic limit?
Replies: 64
Views: 6836

Re: why do people deposit more than the fdic limit?

I’m buying a house, and will have funds in a single account for a few days that’s above the FDIC limit. And I’m scared!
by poker27
Thu Apr 27, 2023 7:32 am
Forum: Personal Investments
Topic: selling most of I Bonds with 0% fixed rate in May
Replies: 45
Views: 7839

Re: selling most of I Bonds with 0% fixed rate in May

CletusCaddy wrote: Wed Apr 26, 2023 12:26 am What is your tax bracket? If I did this I would be hit with 39% tax on the accumulated interest. No thanks.
What’s your plan then? Hold them till you’re in a lower bracket?
by poker27
Tue Apr 25, 2023 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation Question: Rent vs Buy w/ Large Downpayment
Replies: 11
Views: 862

Re: Relocation Question: Rent vs Buy w/ Large Downpayment

We just sold in Chicago, and moved to Charlotte.

At first we were going to rent for a year, but the thought of moving twice, and not feeling at home for a year gave us chills.

So we decided to put our stuff in storage, and are currently in a month to month rental. The rental kinda sucks (too small), but it gave us sometime to check out some areas, and look for homes while living here.

After only two weeks of living here, we already bought a house. Won’t move in for another month, so TBD if it works out!
by poker27
Tue Apr 25, 2023 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Territory Drying Up.... [Career guidance for sales rep]
Replies: 5
Views: 1460

Re: Territory Drying Up.... [Career guidance for sales rep]

Good ole territory optimization!

Every company tries to do it, some succeed, some fail. I’m a sales leader, would love to do some ‘optimizing’, however I don’t have the right or enough people to do so. I say that just because that’s the way your company wants to move, doesn’t mean they will. Also, your next company might do the same.

I do see a lot of reps move every few years in the tech space…. Blow out your #, it becomes un achievable, move onto the next opportunity.
by poker27
Tue Apr 18, 2023 11:57 am
Forum: Investing - Theory, News & General
Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
Replies: 6651
Views: 1202325

Re: I Bonds Mega Thread (I Bond Heads Rejoice!)

My original intent of I bonds was to hold my EF, then I started buying again with the great recent rates.

I will likely purchase this month, and then begin selling some of my 5+ year old IBonds, and move the $ to better yielding treasuries.
by poker27
Fri Apr 07, 2023 7:51 pm
Forum: Personal Investments
Topic: 1 mil portfolio can withdraw 3% perpetually/safely?
Replies: 59
Views: 7932

Re: 1 mil portfolio can withdraw 3% perpetually/safely?

I’d be in the camp that says 3% would last ‘forever’. Now I don’t know if I’d believe you would have your full starting balance in 40 years, but I would bet you could withdrawal 3% for 40-50 years
by poker27
Tue Mar 21, 2023 9:42 pm
Forum: Personal Consumer Issues
Topic: Beach trip recommendations - Gulf Coast (Not Tx/FL)
Replies: 23
Views: 2507

Re: Beach trip recommendations - Gulf Coast (Not Tx/FL)

As others have said, Orange Beach would probably save you two hours. I’ve been to Destin/PCB/OB and would frequent all of them again.
by poker27
Tue Mar 21, 2023 8:22 pm
Forum: Personal Investments
Topic: Bad Work Situation Pushing me into retirement.
Replies: 182
Views: 22276

Re: Bad Work Situation Pushing me into retirement.

We are the same age, you have slightly more $, and I also hate my job ;). However I spend more $, and do t have kids. I’ll look at it slightly differently. You have 1.75M, and need $54k annually for the next 32 years. Assuming your wife will make $5k ish a year, you are down to 49k in expenses, which is like 3%. I think the big question is are you going to be happy spending 50k as a family of 4? I don’t think I would, and would be sweating every expense. Personally, I would set a timeline, genuinely look for a new job, and if you don’t find one in 6mo, 9mo, whatever, quit. Perhaps having an end date would make it more palatable. If you don’t get a new job, take some time off. If you really love it, perhaps work part time to augment your wit...
by poker27
Mon Mar 20, 2023 11:29 am
Forum: Personal Consumer Issues
Topic: 2.5 days in Milwaukee
Replies: 10
Views: 963

Re: 2.5 days in Milwaukee

Not what you asked for, but Lake Front Brewery for cheese curds. Even if you don’t drink, I would still make a stop. We make the 2hr drive from Chicago, and likely wouldn’t visit if it were not for Lake front ;)
by poker27
Sat Mar 18, 2023 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another early retirement quandry
Replies: 26
Views: 3170

Re: Yet another early retirement quandry

We are in somewhat similar situations, however I hate my job and do the FIRE math daily ;).

Today, you need to withdraw 3% for the next 22 years till SS kicks in. I would personally assume SS is going to pay 80% of current benefits, but even then, your withdrawal rate would be 1-2%.

Financially, I’d bet you could do it easily, assuming your expenses are somewhat accurate. However, if you don’t hate your job, idk if I would. However at the same time, I like doing stuff and spend more $
by poker27
Tue Mar 14, 2023 7:36 pm
Forum: Investing - Theory, News & General
Topic: If I was retiring today, I could comfortably withdraw 5% (mid-30s dad using ERN SWR Toolbox)
Replies: 240
Views: 26495

Re: If I was retiring today, I would comfortably withdraw 5% (mid-30s dad)

I kinda agree, that the odds are a 5% withdrawal rate would last. However, what % of the time? 70%? 51%? Even if it would last, I can imagine the stress during turbulent markets.

All that being said, the majority of the time someone comes up with a #, they don’t factor in SS, so you may also be looking at 30 years of withdrawals.
by poker27
Mon Mar 13, 2023 10:16 am
Forum: Investing - Theory, News & General
Topic: Buy Schwab Stock?
Replies: 38
Views: 4963

Re: Buy Schwab Stock?

I'm currently watching CNBC, watching all of these regional banks down 20% in a single day, that dont seem to have this additional risk that the market is expecting.

However, what do I do? Take 10k and invest it in one of the stocks? Then I make 2k? I'm not baller enough to have a few hundred grand available to make such a bet, and a $2k upside, while some great beer money, is not going to move the needle for me.
by poker27
Sun Mar 12, 2023 10:14 pm
Forum: Personal Consumer Issues
Topic: Timing to quit job
Replies: 29
Views: 3812

Re: Timing to quit job

When we hire folks, recruiters ask them if they have any planned time off in the first 6months. Recruiter just asked me if Joe could take a week off 8 weeks after starting. Of course I said yes, why would I care? I wanted the person, eventually their gonna take vacations
by poker27
Thu Mar 09, 2023 10:41 pm
Forum: Personal Consumer Issues
Topic: Which Honda dealer should I believe?
Replies: 32
Views: 5107

Re: Which Honda dealer should I believe?

In short, some sales people know nothing and make things up. Happens all the time. Or they simply don't know. Heck, I went to the local Cadillac dealer to drive a specific car. I've been there a few times. There was a CT4-V Blackwing in the showroom and I mentioned that I'd love to get one of those but DW wants me to get an AWD car. He told me that this one was AWD. All Blackwings are rear wheel drive only. [/quote] Two things…. I have a friend that just received his blackwing after waiting darn near a year, very sleek tho. Years ago a friend bought a new used SUV, and said he was thrilled he got AWD, so he doesn’t have to mess with the snow. I looked up the trim, and it wasn’t AWD! They trusted the dealership, and got themselves a FWD car.
by poker27
Thu Mar 09, 2023 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market [Home sales]
Replies: 2905
Views: 515249

Re: Tales from this insane real estate market [Home sales]

I listed my Chicago townhouse in July of last year for $575k. I thought it was high, but my realtor said the value was there. Over the next 3 months I dropped the price 3 times to $499k. Showings and open houses were EXTREMELY light.

I took it off the market, did a few small updates, and re listed in mid Feb (last month) for 519k. I had more people through my house in one open house last month, then I had in 3 months last year. Ended up accepting an offer from the open house, which was likely a bit low, but whatever.

I mention this only because seasonality is very real in some areas of the country.

I’m now planning on moving to Charlotte, and it doesn’t seem like the costs are going down anytime soon :oops:
by poker27
Wed Mar 08, 2023 6:08 pm
Forum: Personal Consumer Issues
Topic: Big Island and Kuaui in one trip
Replies: 30
Views: 2809

Re: Big Island and Kuaui in one trip

I did Maui and the big island in one trip, and really enjoyed it. The flight is obviously super quick between the islands, and can give a nice view at the same time.

I didn’t really like Maui, but loved the big island. Challenge with the big island is, well, it’s pretty big. We stayed near volcano National park for 2 nights, then the kona side for 3-4 nights. It was great, but I think it was like a 3ish hour drive if you wanted to explore both sides
by poker27
Wed Mar 08, 2023 12:04 pm
Forum: Personal Investments
Topic: T-bill redemption
Replies: 8
Views: 1012

Re: T-bill redemption

Hulahoop60 wrote: Wed Mar 08, 2023 12:03 pm I had a T-bill mature yesterday in my Vanguard account & I see the principal in my settlement account but not the interest earned. Does it typically take longer for the interest to deposit? Thanks.
I'm new to T Bills, and originally found them a bit confusing... What was the face value of your T Bill? Thats all you should expect to have deposited, and includes the interest. So if you paid $990 for a $1k Tbill, you should see 1k deposited
by poker27
Tue Mar 07, 2023 8:16 pm
Forum: Personal Consumer Issues
Topic: Travel to Seattle August 2023
Replies: 22
Views: 2159

Re: Travel to Seattle August 2023

Travelled to Seattle last summer. Seeing Mt Rainer in the distance (especially on the drive from Portland) and from the air, really made me upset we did not check it out. It’s sheer size, and that there aren’t other mountains around it (say compared to CO) made it look different from afar. We are talking about going back to Seattle just for it, so I’d say to take the plunge.
by poker27
Sat Mar 04, 2023 10:57 am
Forum: Personal Consumer Issues
Topic: Cars - [What have you previously owned?]
Replies: 59
Views: 5687

Re: Cars - [What have you previously owned?]

When I was a ‘kid’ I purchased 3 cars in 4 years. Grew up, kept the same car for 15 years, and currently share a car with my SO. How times have changed.
by poker27
Sun Feb 26, 2023 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Low effort disposable job recommendations
Replies: 74
Views: 9529

Re: Low effort disposable job recommendations

I’m certainly note FIRE yet, however I’m getting to the point that I think I might be able to get a side job to augment my withdrawal (probably 2-3 years out from being realistic). Being a bartender, working at Costco, or anything outside really appeal to me. While all of these jobs are low stress, I have a feeling knowing that it takes me nearly a full day of low pay to make what I did in an hour ish at my old job would drive me crazy. But I still I’ll day dream about it Working with the public in retail settings, dealing with the elements, interacting with non professional cowokers...all are stressful. The idea you have of them being low stress is likely because in the back of your mind you know you can walk away at any time. Can’t disag...
by poker27
Sun Feb 26, 2023 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Asking price vs Zillow price
Replies: 53
Views: 6072

Re: Asking price vs Zillow price

Oh Zillow. I listed my house 7ish months ago, Zillow was maybe 15% higher. Just listed it again, Zillow was probably 10% lower than the list price. Just went under contract, and now the zestimate is at the list price (so technically correct). I’ve found Zillow can’t comprehend updates, or unique features (let’s say a rooftop deck, backyardbar, or new roof) that may add value.
by poker27
Sat Feb 25, 2023 11:23 am
Forum: Personal Consumer Issues
Topic: "Best Cities To Live In (2023)"
Replies: 44
Views: 4546

Re: "Best Cities To Live In (2023)"

This might be the worst ‘study’ I’ve seen. Any study that considers single city with a 100k population is missing something. If anything, they need to do larger geos to make it approachable
by poker27
Sun Feb 19, 2023 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Low effort disposable job recommendations
Replies: 74
Views: 9529

Re: Low effort disposable job recommendations

I’m certainly note FIRE yet, however I’m getting to the point that I think I might be able to get a side job to augment my withdrawal (probably 2-3 years out from being realistic). Being a bartender, working at Costco, or anything outside really appeal to me. While all of these jobs are low stress, I have a feeling knowing that it takes me nearly a full day of low pay to make what I did in an hour ish at my old job would drive me crazy. But I still I’ll day dream about it