grinch1225

grinch1225 t1_j5h47ib wrote

The vagus nerve controls far more than just that. I really hope they continue to investigate more and the gut biome

I was in a motorcycle accident a decade ago, and the knock on effects from the hit to my head is CVS (cyclic vomiting syndrome)

I either take the inhibitor and can’t sleep, have no appetite, and some nausea, but can function; or I skip the meds, and spend 12-18 hours a day vomiting. Until I end up at the ER

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grinch1225 t1_iyepkgw wrote

I’d recommend you look into UTMA and UGMA accounts. The funds can be used for anything, some of the accounts will let you hold real property, and you can set this up as a custodian and hand the account off at 18/21/25 or whatever the age of majority is in your state.

529 are great, locking funds in an education account could restrict its use in the future would be my only “you should know” type inclusion.

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grinch1225 t1_iyeohod wrote

Reply to comment by PAvibes in 403b question for a new job by [deleted]

It totally depends, as each client is subjective and requires a suitability assessment, I cant legally give a recommendation without it

I can say that the 3 I’m referring to are contributed as follows

$1000/mo, $1200/mo, and my largest is $4000/mo

In retirement (most of them want to be done by 50, 1 at 55) they’ll be able to pull between $209k per year, tax free on the $1000/mo investment, while the top end will net him closer to $500k per year tax free.

The rate of return for the calculations was 7.34% after fees and expenditures if I remember off the top of my head, but I cant guarantee that one. Could be 7.44%

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grinch1225 t1_iyelwna wrote

Using life insurance as a vehicle to have tax free income in retirement isn’t a red flag

The fact that they recommended “whole life” is a red flag. These have the lowest returns compared to indexed life (pegged to say S&P) and variable life which allows sub accounts for market investment

VUL’s (variable universal life) is exceptionally popular with my clients who want to save aggressively for early retirement. I’ve opened up 3 this week alone.

I would definitely recommend Roth be your investment of choice if not interested in life policies with investment options, as Roth money will be tax free when you do retire. And yes, that match is absolutely terrible.

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grinch1225 t1_iwv0qd6 wrote

Streamlining processes and expansion of markets for the components and products will bring prices down

Think of it like Ford “inventing” the assembly line process for cars. Was it more expensive to get the technology set up? Absolutely. But as soon as they smoothed out the issues and had an efficient process, they could sell the cars for cheaper due to less time input on manufacture and assembly

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grinch1225 t1_irrllo0 wrote

“Allegations the team entered without permission emerged after an image, shared on social media, showed the journalists climbing over a small wall and police tape to exit the nursery. Media associations also said the building had been off-limits to journalists.”

“…though the journalists were fined for working while on a tourist visa.”

You were saying?

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