blackoutdore
| Favorite team: | Vanderbilt  |
| Location: | Nashville |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 247 |
| Registered on: | 6/2/2013 |
| Online Status: | Not Online |
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re: Bama offering full ride. . .vs paying more to go to a better school
Posted by blackoutdore on 4/3/24 at 8:35 pm
I did biomedical engineering and have lots of thoughts on it (aka, I wish I had not done it).
I’d ask your kid to really think about why biomed and what they want their career to look like after they graduate with it. If it’s to go to med school, then there are a lot easier routes. Trust me wh...
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re: Should we front run MSOS?
Posted by blackoutdore on 2/11/24 at 8:55 pm
Conservatives win in the Fall. A anti-weed agenda gets developed as a reaction to undoing everything the dems have done. Weed is outlawed. Your bet goes to zero. ...
re: Taking a loan out of 401k
Posted by blackoutdore on 12/12/23 at 2:51 pm
Yea the big risk is leaving the company (voluntarily or forced) prior to paying back the loan. This bit me in the but when I was younger and decided to leave the company after taking out a loan to pay off some CC debt. The 30 day pay back period was not something I could afford, so I took the tax hi...
re: Sad Day | Mint is shutting down on 1/1/2024
Posted by blackoutdore on 11/7/23 at 7:14 am
I’ve used personal capital for the last several years, and used Mint before that. I’ve had minimal contact with Personal Capital’s reps. I find their interface very nice and intuitive, although it does suffer from some of the same account log out issues that Mint did.
It also does a bit more ad...
re: Best financial gift for a baby?
Posted by blackoutdore on 11/6/23 at 7:58 pm
What makes those states 529s better than the others?...
re: Dry Cleaning Businesses... Still Profitable?
Posted by blackoutdore on 7/19/23 at 7:12 pm
My family was in the dry cleaning business for ages. My great-grandfather started it, my grandfather continued it by opening his own plant in a different city, and my father worked there for a large portion of his life before doing something else.
My grandfather made good money several decades a...
re: Vandy: What’s the stadium going to look like for the season?
Posted by blackoutdore on 7/19/23 at 9:39 am
We are going to have the leagues best defense. It will actually be impossible to score, because there are no end zones.
We’re changing the game!...
re: Physical cash on hand
Posted by blackoutdore on 7/2/23 at 7:45 am
Why in the world would you need $50k sitting in a safe? It’s way more than what you need for most common emergencies, and not nearly enough for unique emergencies (need to disappear for “business” reasons, ransom money, etc.”)
I keep about $1k at home. That’s usually more than enough and helpful...
re: Should I pay cash for a new vehicle?
Posted by blackoutdore on 6/14/23 at 5:14 pm
If the OP is two years from retirement, then it would be unwise if his 401k is so heavily tilted towards equities with higher growth potential. It’s more likely he’s shifted it more towards bonds.
In addition, I generally advise against 401k loans. If he leaves the job earlier than expected, eit...
HYSA vs Money Market Account vs Money Market Fund for Emergency Fund
Posted by blackoutdore on 5/25/23 at 11:10 pm
I bank with Ally and am fairly new to having excess cash that I can actually “save/invest”. Ally’s HYSA yields 3.85%, whereas their money market account yields 4.15%. I use fidelity for a few other services and noticed their VMFXX fund yields 5.15%
Current, I keep about 1 month of expenses in ...
re: Best schools for a CFO program?
Posted by blackoutdore on 5/16/23 at 8:39 pm
Harvard Business School...
re: Google searches
Posted by blackoutdore on 4/6/23 at 12:29 pm
You can ask Google to "no index" your site. Ask the IT/Tech team that manages your website to do this, they should be able to figure it out pretty easily.
All kinds of companies "no index" various webpages on their site that they don't feel are applicable to Google searches - like internal porta...
re: Why the mass exodus of vandy hoops players?
Posted by blackoutdore on 4/6/23 at 8:26 am
Most of the transfers are non-meaningful on an individual level. All of them combined is a bit concerning. But he should be able to transfer in better players for everyone who left.
Lawrence in the NBA Draft is just testing the waters. He was great at the end of the season, but I don't think a...
re: What is best android password keeper?
Posted by blackoutdore on 3/7/23 at 4:22 pm
Work uses Bitwarden. It's ok, but it's not as easy I would like.
Personally I used 1Password. Super easy and just works. Would recommend to anyone else....
re: one more question for the excel ninjas
Posted by blackoutdore on 3/3/23 at 12:25 pm
Use the text to columns function to split by comma:
https://support.microsoft.com/en-us/office/split-text-into-different-columns-with-the-convert-text-to-columns-wizard-30b14928-5550-41f5-97ca-7a3e9c363ed7
That will give you everything as an individual cell. Say that range of values go from Cel...
re: What are the current 30 year interest rates? +760 Credit SCore
Posted by blackoutdore on 2/21/23 at 8:01 pm
Assuming a sellers mortgage means you assume their current balance and interest rate.
If the seller’s mortgage rate is less than what you can get, it’s a good thing to pursue. The “downside” of it is that you have to be able to fund the sellers equity in some other manner.
Example- say the se...
re: Last year of SEC divisions
Posted by blackoutdore on 2/11/23 at 7:43 am
Well no wonder y’all won the NC so many times during that same period. Saban isn’t some great coach, he just got lucky not having to play Vandy. Probably paid Birmingham to get such a cupcake schedule ...
re: Google vs Microsoft AI War?
Posted by blackoutdore on 2/8/23 at 5:59 pm
Try refreshing the page a few times, it seeems to let me in after I do that....
re: Spouse Roth IRA
Posted by blackoutdore on 12/29/22 at 5:19 pm
Just about anything that is somewhat health related. I’m sure there is a nuanced list somewhere with some exceptions…...
re: 10gb+ excel files
Posted by blackoutdore on 11/21/22 at 9:44 pm
I have worked with way bigger datasets in Excel (bumping against 1M rows by 20 columns), and I haven't even touched 1GB file sizes. Been a few years, but I seem to recall them landing in the 300MB range.
So something isn't right in that file. I'd advocate saving your data tabs as individual C...
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