Joe

Don Antonio's is excellent for Neopolitan pizza in the city.

Razza is the best pizza I've ever had, though. Dan Richter is a genius.

As far as "cheap" pizza, I like me some Two Boots.

That's not a remotely accurate description of NY area pizza.

7 minutes ago, Jason said:

 

What's the timeline on getting the money out of the account? To me, one of the advantages of the online savings accounts I'm mentioning is that you have normal ACH access to the account, so if you REALLY needed to you could get money out of the account quicker than waiting for a cash-out or transfer or whatever to process.

Very quick. You can also take a loan out against it. Valley National will give you a checkbook the day you request it. Ive done it before it, awesome.

But by no means was I trying to quash your savings account idea. There should still be some money there for sure.

Honestly I was starting to feel bad for him but then mah dude lost his shit.

Diversification is always key. Have you looked at whole life insurance policies? Guaranteed returns of 4% (actual returns have always been higher tho) with reputable companies. Money stays liquid, too. It's a great option over investing in bonds or letting the money collect dust in a savings account.

I definitely dont do that. You cant fuck up bread and cheese. You can make it extra tasty though....

Having discerning taste buds isnt food snobbery.  I still eat Domino's when nothing else is available. 

20 minutes ago, Emblazon said:

99.5% of pizza tastes the same. Don't think that .5% exists? Don't take my word for it...

 

https://www.tastesofchicago.com/

 

 

Yo, do you get comission to promote bread and cheese casserole as pizza?

20 minutes ago, Paperclyp said:

There’s a show called ugly delicious or something like that with David Chang, and in the pizza episode he gets into a little bit about pizza pretentiousness. He makes a snob eat some dominoes (which Chang genuinely loves). 

 

Food snobbery really rubs me the wrong way for some reason. 

Seems to me you missed the point of that episode. While he appreciates and purchases Domino's once a month, he still regularly waits on the Lucali line because it's a far better pizza. 

20 minutes ago, RedSoxFan9 said:

https://www.eeoc.gov/eeoc/newsroom/release/9-29-14a.cfm

 

a Papa Johns franchise fired an employee for having Down syndrome 

What's your point? That it somehow reflects badly on Papa John's?

Should have been a corner....

My buns are tightly clenched

Real Madrid is gonna go after Mbappe hard.

Does anyone find France's style of play entertaining?

Putting a little into 529's for the future education of your children isnt a terrible idea. Just dont get carried away because if they dont end up going to college, you will suffer a 10% penalty to get that money back plus you will pay the taxes you hadn't paid before.

@legend

Honestly 401k isnt that great without employee match. Deferring your taxes on your 401k isn't much of a help considering we are living in a time with very low income tax, historically speaking. In all probability, you will be in a higher tax bracket when you retire and the tax rate of that bracket will probably be higher as well.

52 minutes ago, legend said:

 

Unfortunately, they do not. But it at least has some tax benefit. IRA would be preferable, but I can't make as much use of that from my income limit is my understanding.

Regular IRA's arent that great. I think you are referring to a ROTH IRA, which has an inckme limit for a married couple filing jointly of $189,000 a year.

10 hours ago, legend said:

I'm maxing out my 401k and killed all debt at the start of this year. I took a bit of a hit to do that, but now I'm reaching a point where I have enough in my checking account that I should start saving it better rather than letting it all sit there. I'm also weighing what to do against the fact that I'm probably going to have to get a new car this year or next, which means I need enough fluidity + buffer to be comfortable doing that.

 

Savings accounts seem like mostly garbage to me when I look at them. Getting a portfolio seems like a reasonable decision, but in these strange times, I'm a little hesitant about putting my money in stocks, even a well distributed portfolio. One option is to do a dividend based portfolio which is a little more stable, but maybe less chance for increased funds. Any thoughts on that?

 

 

Those of you may remember I've asked a similar question before. But since I'm now past the point of taking care of the obvious (maxing 401K and clearing all debt), and because the market may be behaving a bit differently now, I thought I'd ping people again. Especially since I can no longer revisit that earlier thread  

 

I remember people had mentioned IRAs, although I think I can't take full advantage of that because I'm pretty close to the income line for a two person household.

 

I also did buy the Random Walk Down Wall Street book on advice from this board before. I haven't read all of it, but it's been a good read. Still though, I'd benefit from other thoughts.

Any reason why you are maxing out your 401k? Does your employer do employee match?

On 7/12/2018 at 11:55 AM, Emblazon said:

IPAs are the laziest beer a brewmaster can make. It's why they're everywhere and dirt cheap. The general masses just have poor taste. 

 

If IPAs were a movie franchise, they'd be the Tyler Perry movies. 

Have you somehow missed the last few years of dramatic IPA evolution in this country? IPA's arent even bitter anymore.

35 minutes ago, Kal-El814 said:

I think smaller lobsters taste sweeter though.

Sweeter and more tender. 

Shake Shack all day.

4 hours ago, Biggie said:

My goodness lobster is incredible. What’s the problem here?

How do you eat your lobster? You eat whole fresh steamed lobster or do you mean the frozen lobster tails you get at steakhouses?

22 minutes ago, Jason said:

 

 

 

 

https://www.chase.com/index.jsp?pg_name=ccpmapp/shared/assets/page/Online_Rewards_FAQ

 

It's incredibly difficult to not use up the credit if you're traveling even once per year. @Jose even loading up a Metrocard counts.

That leaves you with $150 to make up. There's various ways to use the points but the most straightforward one is using them at 1.5 cents per point through the Chase travel portal, meaning you need 10,000 points. If you spend on nothing but travel and dining using the card (those get 3x) that leaves you to spend $3,333. What Jose is describing with the Freedom Unlimited is to stick non-travel non-dining purchases onto the card so that the 1.5% back on that turns into an effective 2.25% back after you transfer the points to the Reserve.

Yep. I've definitely gotten some travel credit with a SmartLink/MetroCard refill. 

Plus, you get $500 back in points value if you spend something like 4k in 3 months.  When I signed up it was at $1k, making it a super no brainer.

How was it wrong? Too short or too long?

1 minute ago, SFLUFAN said:

It's the only type of pizza that DESERVES to be discussed because goddamned pizza -- the second most overrated food product after lobster --  doesn't deserve any better than that.

I agree with you on lobster and that's coming from a guy that was GM of the biggest lobster house in NYC for several years.