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nunya

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Everything posted by nunya

  1. nunya
    Except... Compensation in a Safe Harbor plan does not include bonuses, like profit sharing, which has been good for us post-COVID and pays the same 17% into your 401k. A healthy, pensionable profit sharing check can make up for the under 50 crowd, and even for the over 50 crowd if they're playing the game well. I'm not saying everyone can reach these levels, but it's certainly not unheard of and will be more common when co contributions go to 18%. BTW, nice attempted flex. You were so, so close to the knock out.
  2. nunya
    An average CA or a hustling FO at a major with ~16-19% company contributions doesn't have to contribute a dime to reach IRS maximums by Thanksgiving, so I think you'll find plenty that don't contribute from their paycheck to a 401k. The question would be how many are not socking way with IRAs, HSAs, 529s, brokerage, crypto, Cubans (the cigars, not the bipeds), or gunpowder and lead. I suspect that number is near 0.
  3. nunya
    I don't know how I feel about the change, but it's a response to their inability to hear audio from AS1282 (the holy 737) and others. 1282 only had a 2 hour CVR.
  4. nunya
    Yep. I've been buying SPRXX every pay day and had various auto transactions set up. No more need for those extra brain cells in a few weeks!
  5. nunya
    I first saw it in the official Fidelity reddit from their customer service people. It's also on your March CMA statement in the Additional Information and Endnotes:
  6. nunya

    Gun Talk

    nunya replied to VL-16's topic in Squadron Bar

    0% if they're filed off as they often are once they enter the underworld. I looked for a stat about how many guns used in crime have altered/removed SNs, but I couldn't find anything. A decent number of guns are already untraceable because they have altered SNs. https://www.atf.gov/firearms/docs/report/nfcta-volume-ii-part-iii-crime-guns-recovered-and-traced-us/download Between 2017-2021, 48,601 guns couldn't be traced to a buyer because their SN was altered. 25,904 crime-linked guns traced back to a .gov owner! Opposition to un-serialized firearms is not about crime prevention - it's simply about placing obstacles and red tape between citizens and legal firearms and creating the groundwork for a future confiscation database.
  7. nunya
    Vanguard was outstanding, as long as I didn't need anything from a human. I was happy with them for many years, until... My specific experience was needing to move 6 figures out of my brokerage account. It was too much to move online so I had to call. I waited on hold for cumulative hours over several days. I was completely unable to move the money before a deadline. Luckily another party covered for me while I moved the money out in several installments, staying under the online maximums. I talked to others with similar experiences. I already had a good chunk at Fidelity and had never waited more than a couple minutes for a rep, so I bailed on Vanguard. I was probably hasty, but I don't regret it one bit.
  8. nunya
    Back on the personal finance front... Fidelity will allow SPAXX as your sweep account in Cash Management Accounts (CMA) starting around June 15. IMO this makes CMAs a no brainer. No need to mess with separate online savings accounts to get higher rates on your cash. I know this took me a while to wrap my head around and I wish somebody had broken it down for me earlier, so for those that don't habla CMA, here's the skinny... CMAs are brokerage accounts that operate "like" checking accounts. Debit cards, ATMs, fee reimbursement, checks, online bill pay, direct deposit, etc. Your cash balances by default are kept at various banks around the country. You can see which banks, but there's no reason to care. You get FDIC protection, ~2.7%* interest, and manage your cash centrally via Fidelity. If you elect to keep your cash in SPAXX, you give up FDIC coverage, but you can get ~5%* on your cash balances. Vanguard just started "Cash Plus" accounts to compete. I'm sure they'll be great accounts, but I moved from Vanguard because (IMO) their service starting slipping around 2020 and became untenable. Bottom line, especially for the young dudes: Look beyond USAA for your banking needs. With some work, you'll be very wealthy one day - learn to manage it well now. *all rates are as of 4/15/24
  9. nunya
    Nope. USAFA dude. While I find Ranger school weird for him, too, he had a helluva resume even before Ranger school (except for the UPT quit/washout part).
  10. nunya
    Satellite wifi on the way. No shit.
  11. nunya
    Did they say "full time" or "AGR?" Technician/temp tech and AGR are very different pay scales and cultures.
  12. nunya
    If your rep guy says leave it alone, I'd leave it alone. Not worth the gray hairs. And I'd quit posting mloa on my off days. Unless you're removing yourself from something or blocking something, the company doesn't need to know when you do mil.
  13. nunya
    I had to google to see if you were kidding or not. Not, I see. Wow. Who knew changing the letterhead was so damn powerful! Imagine what they could accomplish if they changed the font, too! Also, this was a perfect chance to make it Airpeople!
  14. nunya
    Oh I've had plenty of UTAPS points not post to PCARS. They had an entire newsletter about it. Hopefully it's fixed and doesn't reappear but definitely don't trust them! https://www.hqrio.afrc.af.mil/RIO-Buzz/Vol-34/
  15. nunya
  16. nunya
    In a better world, the viewer would analyze the speaker and the message and judge accordingly. You think most of what's broadcast domestically is not propaganda and misinformation? You think most of what Trump or Pelosi or Biden or the squad chicks say is truth? I think it's a perfect opportunity to sit down with your kids (or great-grandkids, CH & Huggy) and talk about critical thinking.
  17. nunya
    I don't think an honest comparison is possible. If someone does try to study it, I think you'll just find deductive reasoning supporting a preconceived conclusion. There are way too many variables with Part 91/135 vs 121 operational risk, maintenance schedules, rest, recency, multi-model qualifications, single pilot vs crew, etc.
  18. nunya
    You're really taking this leveraged thing seriously. The dude's not taking out a second mortgage for a million and risking his house. It's a piddly $25k. It's an excellent way to start a nest egg towards the elusive first $100k. Yes, it's leveraged, but it's going to be $450 a month, FFS. A couple maxed out IRAs and a bunch in FZROX at 22 for $450 a month? Yes, please.
  19. nunya
    Gents, before this gets derailed too far, @Lord Ratner's point is not invalid. He's assuming you will pay the loan payments with the loan capital. Everyone else is assuming you pay the loan back with fresh paycheck money. I'm in the latter camp because I think even as an Lt, you should be able to scrape together $450 from your paycheck and let the loan money sit for the long term untouched. You shouldn't NEED that loan capital to pay the loan payments. It should be locked away somewhere (i.e. 2x maxed Roths + the rest in a brokerage account, although I'm more of a VTSAX man, myself). If you will NEED the loan capital to make the loan payments, then yes, put it in HY savings and make a few dollars on the difference.
  20. nunya
    And last year.
  21. nunya
    I thought this was interesting. I never bothered to look at doors that closely.
  22. nunya
    That's simply horrendous reporting. I know I shouldn't expect anything, but wow.
  23. nunya
    This mother of two: https://www.foxnews.com/us/pregnant-texas-woman-challenges-state-abortion-ban-lawsuit-receiving-fetal-fatal-diagnosis?
  24. nunya
  25. nunya
    I'm doing it next month so thanks for bringing it up.
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