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moana posted:What kind of poker you playing? Last time I played seriously at casinos I was decent at live games: 6bb/hour No limit Texas holdem 3bb/hour PLO And I’ve done okay in smaller tournaments. Recently played casino poker for the first time in years. Made over 500 in a few hours
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Jan 4, 2019 16:46
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I’m going to switch mortgage providers and hopefully save ~€150/month which I’ll probably just put back into the mortgage payment anyway to speed things up.
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Jan 4, 2019 16:53
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My 2018 goals were to keep tracking my expenses, stick to the budget, max our IRAs, and increase the contributions to our brokerage. Success, mostly. Went way over budget in a couple categories: Pets (dog dental, serious health issues/euthanasia for elderly cat), Shopping (new laptop), Gaming (2017 deja vu... no excuse). On the bright side, we were under budget in enough categories that it was a net "in the green" by over $300/month, even accounting for savings contributions. Nixed the stretch goal (bathroom remodel) in favor of a 2 week vacation to Italy. No ragrets. We also finally cut the cord and dropped cable entirely late last year. Immediately got a better internet package, and soon an antenna and some Amazon Fire TV stuff will arrive in the mail for us to figure out. All told we will probably spend the same in 2019 for TV/Internet/Streaming as we did in 2018, but all that equipment is a one-time expense instead of a subscription. To 2020! gently caress AT&T!  2019 Goals: Keep tracking; stick to budget as best we can. Am learning year after year that this is hard to predict, but with enough wiggle room it ends up alright. Bump IRA contributions to the new limit, increase brokerage auto-contributions by 17% Figure out if/where I can move my SEP account since Ameriprise sucks. It's hard to find info online about SEPs if you're an employee, not company owner. Stretch goal: Maybe actually do that master bath remodel this time. I've only been talking about it for 5 years. Tub, floor, cabinets/countertop. Damn Bananas fucked around with this message at 18:40 on Jan 4, 2019 |
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Jan 4, 2019 18:34
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By Feb: - save up 400$ for bonsai auction and keep first CC balance zeroed, If that card has a balance no auction allowed. Balance transfers to my other card are not allowed. By March: - zero CC balances! ZERO - determine whether a refi on student loans would be a good idea or not By May: - if roommates are moving out, save up 3k for potential moving and deposit expenses - if roomates are all signing the lease, destroy PLUS loan for good By end of Nov: - bring down student loan balances by at least 10k - have at least 4k in emergency savings These should all be concrete and doable if nothing explodes (something always explodes) oh and end the year with zero CC balances.
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Jan 6, 2019 23:04
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fuzzy_logic posted:By Feb: I’m curious- is this actually like a bonsai tree auction? Or am I completely misinterpreting? 
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Jan 6, 2019 23:40
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IllegallySober posted:I’m curious- is this actually like a bonsai tree auction? Or am I completely misinterpreting? Yep - tree auction. I'm looking in the range of around 100$ for decent material but styled trees, especially from Japan, can go for four figures or even more. Bonsai's one of those hobbies that can be insanely expensive if you want it to be - most of the members of my club are retired and this is what they do instead of say, collecting vintage cars and fixing them up. Probably there won't be anything cheap enough for my budget but there's a consignment sale after for items that didn't sell or weren't nice enough to auction.
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Jan 7, 2019 01:38
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1- Accumulate altcoins (Monero, IOTA, NXS) sell on rally to accumulate Ethereum and more leverage for Maker CDP and use it to accumulate Bitcoin which will be sold on rally to accumulate Altcoins (2019 will be the year of the altcoin).
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Jan 8, 2019 01:21
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ghosTTy posted:1- Accumulate altcoins (Monero, IOTA, NXS) sell on rally to accumulate Ethereum and more leverage for Maker CDP and use it to accumulate Bitcoin which will be sold on rally to accumulate Altcoins (2019 will be the year of the altcoin).
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Jan 8, 2019 03:00
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I'll be moving back to live with the family after living by myself for a while, and have saved a reasonable amount by myself. This will allow me to save approximately 70% of my post tax income. The goal will be to save at least 70% of every post tax paycheck, with saving at least 30k being on the books. There will be some expenses I cant get around (car rego, insurance, tooth crowns/root canals) but even with these I should be able to make it. The long term goal is to save for a house, which I'll probably buy within 4-5 years. It won't be expensive, and I'll aim to have it paid off before I'm 40 (currently 31). Edit: I'll also be salary sacrificing $100 per fortnight into my super, which my employer currently pays about $11.5k into. Once the house is paid I'll max out my super to 25k. ASIC v Danny Bro fucked around with this message at 10:58 on Jan 8, 2019 |
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Jan 8, 2019 10:25
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Hoodwinker posted:Hi, I welcome you to participate in this thread, but in general your goals ought to be at least something you have control over. The loose exception to this is that you'll see some of us make mention of net worth goals - however, these are significantly less important than both savings and expense-related ones. It's not helpful for me to make a goal saying, "Earn 20% RoR investing in the market this year" because that goal is largely outside of my control, but saying, "Invest $10,000 in the market" is, because I can choose to spend less/make an effort to make more in order to ensure that happens. It would be helpful to set out exact numbers you intend to use to speculate on cryptocurrency as your goal, rather than your preferred outcome for doing so.
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Jan 8, 2019 14:54
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moana posted:ghostty is just a fun shitcoin troll, no need to seriouspost
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Jan 8, 2019 15:18
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ghosTTy posted:1- Accumulate altcoins (Monero, IOTA, NXS) sell on rally to accumulate Ethereum and more leverage for Maker CDP and use it to accumulate Bitcoin which will be sold on rally to accumulate Altcoins (2019 will be the year of the altcoin). Great goal. This year, I'm going to pretend I'm a handsome lowlife and seduce the heiress to an oil baron's fortune. She'll find out I'm actually a greedy scientist around chapter eight of course, but then fall in love with me anyway and we'll
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Jan 8, 2019 22:16
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Sundae posted:Great goal. This year, I'm going to pretend I'm a handsome lowlife and seduce the heiress to an oil baron's fortune. She'll find out I'm actually a greedy scientist around chapter eight of course, but then fall in love with me anyway and we'll
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Jan 8, 2019 22:18
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i assume you mean an essential oil baron
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Jan 8, 2019 22:37
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KYOON GRIFFEY JR posted:i assume you mean an essential oil baron 
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Jan 8, 2019 22:53
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I'm going to help a Nigerian prince who is actually a distant unknown relative of mine with his gold and be rich!
Potrzebie fucked around with this message at 07:40 on Jan 9, 2019 |
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Jan 9, 2019 07:27
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KYOON GRIFFEY JR posted:i assume you mean an essential oil baron 
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Jan 9, 2019 14:14
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KYOON GRIFFEY JR posted:i assume you mean an essential oil baron gently caress me he's done it again
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Jan 9, 2019 18:11
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quote:Financial Goals 2019: Seducing the heiress of an essential oil baron
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Jan 9, 2019 18:16
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KYOON GRIFFEY JR posted:i assume you mean an essential oil baron This is a thing of beauty. Thank you.
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Jan 9, 2019 18:42
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I support this change.
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Jan 9, 2019 19:14
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DJCobol posted:I support this change.
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Jan 9, 2019 20:26
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January Update! Raise net worth from 129k to 159k. $131k Increase house fund from 23.5k to 40k. $24.6k Increase e-fund from 9.8k to 12k. $10.1k Contribute $2.8k to my Roth IRA. $240 Lose 8 pounds. -2 pounds Off to an okay start.
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Jan 30, 2019 00:18
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Wow January happened loving FAST.EAT FASTER!!!!!! posted:
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Feb 1, 2019 14:07
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January update 2019 Financial Goals:
2019 Personal Goals:
* During my vacation day, I read up a lot on FIRE approaches and how it would apply to our life goals. I also spent some time using a few different FIRE calculators (firecalc is my favorite, by far) to analyze various scenarios. A realistic FIRE age with my current estimates would be 56. I will definitely revisit this annually because it's worth the time, and life changes quickly (raises, no more daycare, mortgage paid in full, unexpected emergencies, etc.). ** It turns out I'm an idiot and was double charging credit card line items against my budget in Mint. I had been frustrated at Mint for some time because we were always going over budget, and it just didn't seem right to me. But money kept increasing in the bank account, and my Excel sheet was accurate, so I just figured Mint wasn't a good application and didn't have the time to really look into it. This was one of the things I looked into on my vacation day this month. I was including the individual credit card line items against my budget, but also was including the payoff of the credit card bill (due to how I had linked my accounts). So instead of ~1500 a month, Mint was tracking it as ~3000. Now that I have that sorted out, I'm not as mad at Mint and will continue to use it. If the ads start annoying me more, I might reconsider this decision.
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Feb 2, 2019 04:59
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2019 Goals: 1) Max Roth IRA $1,500 in 2) Up 401k from 10% to at least 13%. Stretch is 15% but we'll see what kind of raise I get this year. No progress 3) Get Emergency fund to $12,500 At $10,500 4) Get house down payment fund to $5000 Up to $2225 5) Get car down payment fund to $3000 (Not planning on getting a car for a few years yet, but good to start saving early) Up to $2355 6) Keep fast food spending under $175 for the year (Currently at $228 for 2018, obviously not breaking the bank, still something to strive for). Spent $15.21 in January. Need to cut back just a little bit more. 7) Continue no revolving credit card debt. Still going strong .... Non-financial goals: 1) Read 1 book a month (lol). Didn't finish the first book yet, but close. Got a second one lined up 2) Get down to 150 pounds. I think this is where I started 2018, and my goal was to get to 143, but that didn't happen. Currently sitting at 160 as of this morning. Still at 160 but I take this as success given holiday travels and other over eating events that happened this month. 3) Just like last year, go on a tropical vacation somewhere. Didn't happen last year, but some CC rewards are likely to make it happen this year.Nothing planned Also, made a reservation for a first time homebuyers seminar that my credit union does every so often just to get some info.
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Feb 2, 2019 05:20
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moana posted:2019 Goals: Oh, also I got a miata, woop woop:  https://imgur.com/a/p5swV6J (previous owner's pictures)
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Feb 2, 2019 05:23
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The Experiment posted:1) Put away at least 30% of my gross income in savings and investments 1) Yes, nearly 35% of my gross income got put away for January. 2) Put away over $1,400 so it’s on track. I will ramp up contributions here when I max out the Roth IRA for the year. 3) Put in $1,500 so on track there. Plan to put my tax refund of $1,200 all into the IRA for February. 4) On track. I just have it spread out over my paychecks throughout the year. 5) Yes, the largest expense made this month was nearly $200 on a nice vacuum cleaner. Net worth jumped up to over $287k due to the stock market partially bouncing back. Would be nice to hit $300k in net worth by the end of March so I may step up my contributions to get there.
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Feb 2, 2019 16:14
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moana posted:Oh, also I got a miata, woop woop: Hot car, awesome goals. The Experiment posted:1) Yes, nearly 35% of my gross income got put away for January. Great work on the NW. Awesome work containing your spending.
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Feb 3, 2019 06:30
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moana posted:Oh, also I got a miata, woop woop: Awesome. I've always been in love with miatas, and want to get one some day. I imagine my next car will have to be something more practical than what I have now, but many years down the line I'm hoping to get a fun second car like a miata
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Feb 3, 2019 17:06
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The RF is cool, the only thing wrong with that car is that it isn’t Soul Red Metallic
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Feb 4, 2019 16:25
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I really like that ceramic gray honestly, and now I want a Miata as a fun car.
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Feb 4, 2019 18:32
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It's generally agreed that M2 Is Always The Answer, but that happens to spell out MIATA so it is also a very good option.
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Feb 4, 2019 18:54
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GoGoGadgetChris posted:It's generally agreed that M2 Is Always The Answer, but that happens to spell out MIATA so it is also a very good option. On one hand this is making GBS threads up a purposeful thread with chit chat, and worse yet car chit chat, on the other hand it's a pretty clever post and they did take away our general chit chat thread and hide it in another dead forum somewhere
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Feb 4, 2019 19:35
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KYOON GRIFFEY JR posted:The RF is cool, the only thing wrong with that car is that it isn’t Soul Red Metallic I wish they came in yellow, I love yellow cars so dang much. BEHOLD: MY CAPE posted:On one hand this is making GBS threads up a purposeful thread with chit chat, and worse yet car chit chat, on the other hand it's a pretty clever post and they did take away our general chit chat thread and hide it in another dead forum somewhere
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Feb 4, 2019 23:08
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I've already failed at my goal. Damned heiress was a better salesperson than I expected and now I own a whole bunch of doTERRA products.
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Feb 4, 2019 23:50
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moana posted:at least your wife isn't pregnant during summer because that would be sucky. My wife was pregnant with our daughter in the summer and with our son in the winter. She would agree with you. Being pregnant in the summer is very sucky.
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Feb 5, 2019 01:14
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moana posted:I like chit chatting with you, also everybody already made their goals and now we're just hanging out until February ends. Or until Eat Faster's kid gets here, hey EF at least your wife isn't pregnant during summer because that would be sucky. If you have a fussy baby, get The Fussy Baby book, it rocks. Ruby was born end of June and even that was awful for my wife. April is a much better time for a birthday (from the perspective of being pregnant during hot weather!)
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Feb 5, 2019 13:56
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Doccykins posted:2019 goals February Update ✔ zero consumer debt ❌ Stop Eating Out At Lunch. Goddamn I'm bad at this. ✔ Vanguard S&S ISA opened and £500 deposited on 1/1, £100 per month direct debit set up for the 1st of the month ✔ On Track, 10% of the way there 🤞 Did annual review last week, let's see where the chips fall ✔ £77k, on track for £2k a month overall NW increase
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Feb 5, 2019 18:52
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balancedbias posted:
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Feb 6, 2019 01:25
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