PITA
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$NAK event at 7:30 ET: FRESH EXPANSION | $NAK STOCK ANALYSIS | NORTHERN DYNASTY MINERALS LTD STOCK
Should I even bother making a Roth? Need input
45M - need advice for investing for retirement and new situation
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Stock screener is now down for over a month. That is really a PITA. It is a relevant part of my process.
100%. I was looking into this a bit today and found out about "Direct Indexing," which allows you to essentially create your own index. Sounds like a PITA, but 0.4% fee at Schwab for this. Considering S&P minus SPCX, or similar. Probably not worth the hassle, and maybe the cost outweighs the downside of spcx on the indices anyway?
As someone who uses the whole platform. APIs, agents, code, cowork, general. As do most of my clients in financial services and technology. It's not. Obviously there's no silver bullet to anything so everything takes tweaking and reiterating. However, it's absolutely bananas what's possible. I'm not a dev or engineer, and I'm "coding" at least 2-3 tools a week to automate random repetitive tasks that have been a PITA for years. Slowly integrating everything piece by piece. I can't imagine the sort of crazy shit elite technical and product teams are cranking out for their teams/at scale.
Agree 100 percent. I used to have rental properties and they were a major PITA and far from “passive” income like social media influencers try to make them out to be. I was so much happier after I sold them.
Lost this entire 3-day weekend to houseguests, including 2 young kids, 1 of whom I saved from a hospital trip at least once today. Because her parents aren’t paying attention. Dumb kid clutter everywhere. They brought their fucking dog, a poorly behaved, constantly whining PITA who steals food. He was on the fucking table today. On the table, bruh. No goddamn peace. House smells like shit until I point out that their kid shit her diaper. Endless dishes. I’m done bruh, I’m done.
> This stock has changed my life, in since $7 Yeah...... been in since $3.70 or so and its all in my TFSA - which means no tax on gains here in Canada. My position was kinda fortunate timing.... I moved into the space industry in 2023, previously I didn't really know much about space. My initial position was more along the lines of "wow working with space X is a total PITA, whoever of their competitors can actually get even close to them is gonna clean up" and so bought RKLB. I *then* learned about all of the other cool stuff they are doing, and now, 3 years later am a lot more well versed in the industry. They have acquired incredibly well, targeting some of the key supply chain issues in satellites (optical terminals, solar) and developing others in house (thrusters). I do think they are probably overpriced now and may soften my position a little over the coming weeks. Difficult to gauge what the SpaceX IPO will do to the space market.
Sorry to revive an old thread but I have been looking into selling CCs against a zebra. What DTE lengths have you found to be successful? Have you had to roll the zebra ever? Reason I ask is rolling what's essentially a 4leg strategy is a PITA. Thanks for any input!
That’s amazing. Trying to frigging use b/w graphs in pre-calculus 25 years ago was such a PITA. This gen has it too easy.
Sorry bruh, that's a PITA, I just finished painting one of my ceilings for the same reason. Repair was a real fuk, too.
For long term gains multiply the gain by 0.15 (15%). That is the amount of tax that will be due. Short term gains are taxed as ordinary income at the ordinary income rate. When you go to sell shares it will provide an estimate of gain when you get to the order preview. This does not differentiate between long and short term gain (or loss). If you look at Positions it will show the total gain/loss for the account and for each holding. If you click on a holding name it will show a list with the gain/loss for each lot - short or long. If you have a lot of purchases this can be a PITA to calculate. You have a choice of several sales methods that can effect the amount of gain - First In First Out, Last In Last Out, Average Cost, and specific lots. Look up Safe Harbor provisions for estimated tax payments. You can't just pay it all next April and not expect a penalty for not doing timely estimated tax payments - basically quarterly. Making a payment online is easy. Fidelity does not do withholding for you. You will calculate any refund due when you do taxes for the year based on the totality of your income and taxes withheld and estimated paid.
>\> the accessibility gap is real. most ppl dont wanna become prompt engineers just to get value out of ai. It's getting easier, quickly, but there is still a cliff. I showed my non-engineering friend how to use claude & he managed to pick it up in \~3 days. >\> intuitive interfaces over the raw models That makes sense. I guess everything needs to be handled on a case by case basis. Most users are still using the chatbots and think chatbots = ai. >\> cutting nanoseconds like that manually wouldve taken forever. 100%. Most of the optimizations it is / was doing is super low level C++ stuff. Cache optimizations, memory optimizations, instruction vectorization, etc. Things that I wouldn't do by hand due to how intensive the a workload is (and also just how difficult it is to prove correctness). I understand the theory behind it - but implementation is incredibly difficult / tedious. Like - rearranging some memory (with equivalence) can result in massive performance boosts just due to cache locality & operation vectorization (SIMD). That's a massive PITA to do by hand. Super easy for the agent tho - I can tell it "make this faster / more efficient. Benchmark everything down to the nanosecond, and do a few iterations. Use the compiler with the same production flags we use for reference. Run simulations locally to verify correctness. Do N iterations & a million sims each. Try to minimize cache misses. Once finished, ping me. etc.
Do the listed competitors not offer that? If it's anything like coding, they will support both AI and in-depth user control options. And frankly Figma is a PITA to navigate and I hope someone brings a better alternative to market.
REITs. Good returns. REITs consistantly out perform the sp500. Managing properties is a royal PITA. Been there, done that. Pass.
I feel you. My parents owned a couple of duplex units on a single lot. We lived in one unit and rented out the other 4 units. It was basically the family business after my dad lost his job as an accountant. I certainly don't miss the many nights and weekends that I spent throughout my teen years helping out with maintenance. I learned quite a bit, but it was was still a big PITA.
Ooh he's fuckin salty rn. Word is Kush has been a gigantic PITA for him.
Classic big4. Tracking and trading violations galore. But i totally remember this being a PITA to track, theyd ask for your spouses shit too which was super annoying.
I got audited to prove alimony payments. Major PITA. Had to fish up a few years of old bank statements. Which would not be hard if I had not moved and needed to deal with 2 closed bank accounts from places I lived 3-7 years earlier. Although it’s all worth it if I got audited because the ex wasn’t claiming the payments on her taxes.
What you pay for is the convenience, running models locally is a PITA at the moment. I can see a future where businesses might host a model internally, and make that available to all their internal users - but it's still non-trivial to run a model, keep it updated, keep it operational and not degrading. As long as companies don't take the piss with cost too much, it's probably easier to commoditise the problem. For individuals, running a local model you wont get nearly as good coding results compared to official tools/harness combined with that vendors model. So short term, it's still vendors calling the shots. Longer term, models will get better, running them locally will get easier - and that might really become the viable option that's far cheaper to run.
This entire thing is a PITA, PAIN IN THE ASS
PITA Persians invoke Taco again?
Most enterprise level SaaS contracts are on a 3-4 contract…it’s a PITA to migrate every 3-4 yrs.
T1D is a massive PITA. I hope her trial goes well. If not, it's doable. Just annoying. 26 years in the bag, here.
Always rips right before my 401k deposits it seems lol PITA
400 shares @ 163$ and two Jan 15th calls for me (added 320/315$ below the strikes chosen during the slide), so a fairly clean position with a lot of ways to play it once when we find a bottom at least. I regret not buying protective puts, but your short calls are the real danger to your overall position depending on DTE if you are long Googl. Are they under pressure yet ( 15/30 DTE range)? I swear PMCC's have ended up being more of a PITA than anything else for me overall lol. Depending maybe hope for a bull trap Monday? Luck mate. I still think well chosen equities are the place to be over the year despite everything.
Windows 11 was such a PITA that I literally switched to Mac because of it.
Not for this kinda thing. I used to work in logistics planning for these kinds of things. There will already be beddown plans and agreements in place. They'll pull it off the shelf, an OPORD gets sent out, and everything starts moving. The unclassified response time is 72 hours before the first chalk is wheels-up for aircraft. Ships will take longer but that's why they already positioned a fleet nearby. And the classified response times for units dedicated to this kind of rapid response, the ones that land first and prepare the base, are much shorter. The part that's going to screw up their plans is that apparently the Iranian attacks have made a lot of the CENTCOM bases unlivable so they've been lodging everyone in hotels. That's when things slow down, when there isn't a bare-base already set to receive forces. That and actually getting enough airlift these days. It was always a PITA getting C-17s to give you a lift, and heaven help you if you need a C-5 at some point. There's a 95% chance the crew will just "kneel" the aircraft when they stop in Hawaii or some other nice spot. The hydraulics inevitably go out and the crew gets a paid vacation with per diem while they wait for a maintenance team to fly out and fix it.
Iran is not winning, but it can be the PITA
It's a PITA to use and bloated to the hilt. The corporate bosses eat it up because the demos are so slickly produced.
It takes an extra 5-10mins, that ain't a PITA.
That is exactly how I trade on thinkorswim mobile daily. IBKR mobile is *slightly* slower because the login step takes a second longer and getting to the options chain takes a couple extra taps. Plus the not being centered on ATM is an issue with big chains, like on indexes. TOS mobile is easier to quickly close a trade IMO. Tap the position. Tap the big Close button. Submit. With IBKR mobile, you can't do that. The fastest way is actually to go to the Transactions tab, tap your open trade transaction, then close. That is a PITA if you had multiple trades that day, especially if the one you want to close isn't the most recent. I mean, it isn't marriage. Open both accounts and try their apps. But for your use case, I'd go with TOS mobile.
They are kind of a PITA. Appeal process takes a month and I never used against terms if service. Even the idiotic "human review" cdudnt work. Much happier with openai since.
Soooooooo much fraud on CashApp, must be a PITA to deal with tbh
Thanks GAVBOT! You may be messing with me? LOL It's OK. I am kind of ADHD and Hyper at times. My wife and family wouldn't use the adjetive "calming" to describe me... She would use PITA! Pain in the ass!
In the late 80’s I used to pay $250 to buy (shares) a ticker and $250 to sell. I was with Merrill Lynch who is gone now. It was hard to have $500 into a trade and it wasn’t uncommon to get the market drifting and get a +/-1/4 point move for long periods of time. People don’t really appreciate the accessibility , trading platforms, and cost advantages they have in today’s world. Having to call your broker, and check the newspaper daily to see where your investments were was a real PITA, compared to what we can do instantly and relatively cheaply now.
Going back and finding the links on ST is a royal PITA. I take mental notes. If you haven't realized there is a group working together on ST, I can't help you. I'm OK of you don't believe me. We don't know each other. No skin off my back.
Portfolio is red today and that’s okay as overall I’m in the green. The emotional play is a PITA, but part of the game
It has worked out well for Canada. The policy changes are not a reverse. That's just journalism hype-language. They are reducing numbers, not ending immigration. The interfering Modi government has been a PITA, but that's a different story. Europe is proposing something in line with Canada's new, more restrictive policies & you sound like you are saying they are going to move 300 million Indians in next year.
This is downvoted but it’s 100% true. A rental is a PITA doing it yourself, and easier but way more expensive to have someone manage it. 90% of folks who have a singular rental property would be better off financially if they had just put the money into the market instead, and let it compound (if you account for time and opportunity cost) Not a bad idea if OP is that well off but should know what they’re getting into
This guy has rose-colored glasses on.. I don't own one, but my 2 brothers both bought one/more. One was a Fanboy, and one is learning that TSLA sucks.. Brother 1 - owned a Model S, Model S Plaid, Model Y. He was a huge TSLA fanboy. Then he drove a Cadillac Lyriq, and remembered what a CAR could be like. Quality Construction, Quality Parts, much different ownership experience. He sold his Y and purchased a Lyriq.. almost the same cost and WAY Better vehicle. Brother 2 - owns a Model 3 .. well he did. He bumped a parking bollard & it was just totaled by his insurance. <10 mph. He had FSD, and is trying to figure out how to keep the value for that.. seems that it's either buy a New TSLA with FSD or a used one with FSD. Sounds like a PITA to me.
I am paid for Benzinga Edge but I click on email links they send and it says I need to pay to read something. And I have no idea what the difference is btwn the premium Edging I get from them vs their pro service and me googling all this s*** hasn’t revealed the mystery yet. So it’s a PITA I guess and people online saying it’s scammy. At best here, I’m getting barraged with spam links and constant solicits though I supposedly just renewed Pro? for a year. I thought edge? I have no idea. They haven’t answered my emails and talking on the phone with them is nonexistent.
As a homeowner I’d say only buy a house if you’re close to certain you’ll stay there for 10+ years. Being that you’re 25, your life can and will prob change a lot in 10-15 years so I’d keep renting and investing in the market. You’ll have more flexibility live wherever, whenever. Real estate is a PITA, and you need to have a passion for it to invest in it IMO. Also the PIRM (Prop taxes + insurance + repairs + maintenance) really sucks. Adding up all the PIRM + original purchase price since we bought our house 11 years ago and we’ve MAYBE broken even compared to current market value. Home ownership is waaaay overrated in our society IMO.
I had some oracle stock I bought around 20 years ago and just left it alone. Wasn't much, but something like 670% return on it. I just dumped it. I'll preface it with I don't often dig deep into financials, and am mostly in ETFs, but I've worked in tech for some time. Oracle and HP have both 'chased cloud' including when I worked at one of them, but few really bite (versus Azure, AWS, and Google Cloud, generally in that order of adoption). Literally I can see a new piece of software and call out - this must be an Oracle product, because it's unintuitive and awful, unless it was an acquisition. Kudos to Larry for keeping the money flowing and the company alive all this time, but I inherently feel they are still trying to find a post-oracle-db (which in itself is kind of a mess, also IMO) 'thing' to latch onto. It's not surprising they 'teamed up' with OpenAI as I keep watching them just trying to remain relevant. To me, they feel like IBM - used to be a pretty amazing company, but now, would I bet the farm/house/future on them? Hell no. If we look across their domains, I just don't see it. Yes, they still have some amount of oracle DB activity - most likely the same groups of companies that were continuing purchase IBM mainframes, e.g. some financial and big industries it's just too painful to move off of. Meanwhile, a good number of others have moved on. ERP and CRM - Their ERP offerings are awful. Someone is still buying them, but they're pitiful and a huge PITA for the users and for customization. CRM - sorry, salesforce and others eat their lunch. Cloud - already covered. a perpetual 'chaser' vs the big guys IMO. They have bought some companies, I think in healthcare and retail - don't know if they're big enough to keep much of the rest of the company afloat. They also have some stuff in the utility sector, but they're far from a market leader there either. Yeah, they sadly bought Sun way back and now own Java. I'm sure there's some amount of revenue there, but doubt it's all that much for a company of their size. Note they aren't trying to compete on the LLM/large AI model front, which is probably better for them as I don't think they'd hold up to Google or others working in the space, so what do they do - offer hosting and such to still claim 'look, AI!' and try to ride another wave to relevance, and does some integration into some of their generally crappy products. I had to evaluate an enterprise Oracle product for a specific purpose a few years back. Starting out at around 20+ possibles, I built out a pretty comprehensive evaluation plan and 'scorecard' versus weighted scenarios/plans we needed to solve for. At the end, there were 4-5 left and I kept Oracle in the running, mostly because 'older management' wanted them there. Numerous engagements with deep dives with all of them. Oracle talked a good game, and pretended they had some 'special sauce' akin to domain specific 'AI.' Without too many details, let's just say within 5 minutes I had the product massively embarrassing itself. The Oracle offering was dated and seriously outclassed by the others in the final rounds. We did not purchase the Oracle offering - with good reasons. TLDR: Dump it into index funds and be done, unless NVDA, GOOGL, or MSFT have big dips. Or roll the dice; whatever. ;)
No probs, if you are doing the wider market always do index cash settled it's the only way to avoid any hard to see costs. You can always just scale it up in XSP to your liking. I got assigned because of dividends this week, not too sure yet if I have to pay it, if I do then it's bye bye gains on that spread. I will have to pay the interest on the deficit it created but thankfully it's not going to be much. My mistake was not looking for the ex date. What I've learnt about trading spreads now: - unless zero dte and or watched closely for exits always use cash settled index options - don't do deep ITM on expiries of less than a month (at least), especially for puts - be aware of the extrinsic value, if it's less than the risk free interest rate on holding the cash then there's a good chance it will be assigned. - Ideally for a lose scenario have the legs be OTM where the contracts are worthless, avoids any PITA assignments and margin interest after expiry if you forget or let it run. - unless there's a significant benefit to using credit spreads then just do the debit version instead. - spam the chart with price alerts and your phone with alarms for a countdown to expiry. Set a delta alert on the short because it means the trade could be going against you. Gives you the chance to get out. You can swing trade it too though, you can wait until your short leg is at a low price to buy it back then let your long run if you are confident the trend will reverse. - know when the ex date is.
I guess you could make a longer term investment thesis out of it...current lack of accessibility serves as a gate keeping out a lot of potential liquidity and investors. You're able to get in early when many others are still unable. But from a short term trading perspective yeah it's a PITA. Can't get much size in these F ticker MSOs without impacting the price.
Physical is better, but it's a PITA if you're trapped in a 401k/IRA. For paper silver, check out Sprott - they have audited, physical bullion and vault in Canada. PSLV or CEF if you want a mix of gold and silver with a lower expense ration.
I have, It's a PITA to use. Only reason its a big thing is because of Nvidia's hardware performance lead. If you want to make good use of Nvidia hardware, you need to learn to use CUDA
As others have said, it might be a PITA to do it for $50. My suggestion would be to have them open either a taxable brokerage account or possibly a Roth IRA (assuming they are working) at Fidelity. Give them the $50 cash/check and teach them about investing. While you “ don’t have not have much experience”, having the retirement account at provides some of that knowledge. Fidelity is a popular discount brokerage and would allow the recipient to buy fractional shares. So, they could invest in an index fund like FXAIX or possibly a stock like Apple (APPL). The latter is selling for about $278/share today, so $50 would buy ~18% of one share. Perhaps this would encourage them to invest themselves.
Google Workspace is a massive PITA to manage. Is not very user friendly and there’s a lot of gotchas.
He's actually bringing up an important point but it's not double taxation as you noted. In your taxes there's sometimes a cost basis adjustment you need to do. Its kind of a PITA. But your company or broker generally provides the info.
This is the correct answer. I've done a few ACATS transfers in my time, from others sources going into Fidelity. I owned many shares since before 1/1/2011 and had to manually enter the cost basis, and it required review and approval by Fidelity. Not sure how thorough they check it, but I was never questioned or asked to supply any additional information. I assume they at least confirm the acquire date matches the day's price range. Only PITA was having to recalculate some stock splits as my original paperwork was pre-split shares, but Fidelity only recognized post split share counts, then 4 times a year since I did DRIP.
Good points! UTMA is a bit of a PITA and it is irrevocable and generally when they can gain access is controlled by state law, not what they are ready to handle. A trust is another option and give you more control, but is still extra work. Any account in their name will count against FAFSA harshly. 529s are an option with caveats. What we did is open separate accounts for each child joint with a parent. Technically, they could access the money, but since they didn't know the account details, that was unlikely. We paid tax on the income/dividends. Having an account with their name on it made it easier when family send them birthday checks. When they became independent, we transferred the funds to an account in their name only. Honestly, opening an account with your kid(s) name(s) on it with you is very helpful given modern banking rules just for gift checks. This works great up to a few thousand. However, for hundreds of thousands, you might do better with a trust account or an account just in YOUR name that specifies the trust as the beneficiary -- so that you can stipulate what happens if you die before they reach adulthood and still maintain control until whatever time you deem best. This goes beyond investing to estate planning.
Do you trade the same tickers across them? This seems like it would be a Tax accounting PITA…
Some apps allow it. It’s really dumb how it’s controlled like that. I know Webull has overnight trading, but you need to use withdrawable funds, which makes it a PITA in this situation.
AMZN is down on the month, it's down like 3% since last weeks high. I don't think anyone is gonna stop using AWS because of a temporary outage. I use it, and will continue to. It's a massive PITA to switch cloud providers & they have a really good track record / reliability. IMO it's mostly a no story - I'm gonna keep paying them & I suspect everyone else is as well.
Every company in the world some years ago: > We can't trust our own servers, we need redundancy: let's pull AWS into the pool. A year later: > Managing our own servers is a PITA, lets just use AWS. We don't need redundancy, AWS never goes down. It's Amazon! Soon: > Let's buy some servers ourselves and use them for redundancy.
What's your argument for this? Have you actually used it in the last \~10 years? The innovation coming out of the field is amazing. IE: See hyperliquid for a great example (it replicates the performance of the NYSE, but as a DEX). You can literally build HFT systems for decentralized markets now. Over 200k TPS, and you don't need to worry about counterparty risk. Prediction markets are great too. Companies are tokenizing their shares (see: what robinhood is trying to do). Kraken is already doing it too. You can trade them anytime, anywhere, without needing to go thru the stock market. Crypto solves the counterparty risk problem, which is a fucking amazing feature. It has \~600million users globally, and growing. It also solves the 'bank blocked your transaction' problem, which I've dealt with before. It's a fucking PITA to try a transaction and have it frozen, and have to deal with that. It's always the same shit "yes, that was me. Yes, I tried to send that money. Yes, it's legit". Ok - sent. There is a ton of innovation coming out of the industry right now, and imo you're foolish to write it off as a 'nothing burger that's going to $0'. \--- Have you actually used it???
There's over 100million holders. People use it to transfer money easily / as a medium of exchange. I've used it to transfer large amounts cross border with no friction before. It's super useful for that. Wiring shit thru a bank is a PITA. It's also the worlds largest unregulated gambling market. That's insanely valuable. Also insanely useful for dirty money (drug money and shit) - which is a multi trillion dollar industry. You're actually regarded if you think people aren't using it for that. Just because it's not a legal market / industry doesn't mean it doesn't exist. It's fucking massive.
This Tylenol thing is certainly a PITA but what comforts me is the knowledge that they own quite a few very strong brands, Band-aid, Listerine, etc. These aren't going away anytime soon. Ever used a generic bandaid? They suck lol just use this period to sell covered calls to lower your average and sell when you've recouped your money. At least that's what I am doing
I would, but I wouldn't want to own investment real estate in the first place. Real estate can be a PITA. You have specific asset risk. It complicates tax returns. There are high transaction costs. It's illiquid. You have to sell to obtain the full value, and it's all or nothing, which means potentially large capital gains amounts. And you can't eat bricks and mortar.
my wife makes me salad all the time, and i decided to try and make her one: what a PITA. Always be grateful for a good salad. Half you food you eat in a day should be made of raw vegetables.
>What am I missing here? Well, for starters people are talking about a Roth IRA. An IRA has many advantages over a 457 and has its own separate annual limit. So you can max both your 457 and Roth IRA. It takes like 5 mins to open an IRA one time. I’m not sure why you think it’s a PITA.
Income and savings plan really matter here. >It's a PITA to make an entire new Roth account with an entirely different brokerage It's a 20 minute process you do one time. With automatic investing, the average time commitment I've had is about 5 minutes a year (mostly to update addresses).
For anyone curious - I build arbitrage systems (HFT) and just been dealing with bureaucratic shit for the last few months. It's the hardest part of the entire process... takes fucking forever to figure all that out. It's a PITA I hate dealing with. I believe we got everything done tho, so likely heading back to that soon. I had a few week break so figured I'd come shitpost in my downtime.
Nvidia uses their own interconnect for high throughput between GPU’s. Great for AI, useless for everything else. When these things get too old and end up being liquidated their salvage value will be non existent as they’re largely nowadays water cooled which is a PITA, whatever wholesaler buys it will have to deal with custom customer directed firmware and BIOS on the cards. Additionally, these aren’t PCIE cards, it’s a baseboard so that’s useless when the GPU’s get too old. It’s a bad trade
Diversification in order to mitigate risk. If you want to be as diversified as, say, the S&P 500, you could buy $20 worth of stock from each of the 500 companies in the S&P500. That's not very efficient, and would be a PITA to keep up with as as companies drop off of it or get added to it. Invest in a mutual fund that's indexed to the S&P500, though, and that's all taken care of for you. If, instead of aiming for that level of diversification, you invested $2000 in each of 5 different companies, than a terrible performance by any one of those 5 would have a significant impact on the value of your portfolio.
I don’t know what you should do but Here’s what I did with my portfolio. I’m thinking the rotation will begin or has begun so I’ve diversified 70% to a Global ETF (VEQT in my case) the rest is targeted to stocks I like mostly unrelated to tech. I also don’t use USD as my currency so the declining USD is a PITA for me and VEQT is outperforming S&P. I’m 10-15 years from retirement so I don’t want to risk a major decline in my portfolio that can delay that.
As a swing trader who uses TA, a PC will absolutely increase your efficiency and reduce frustration. Charting on a phone is an absolute PITA for me. I believe it’s worth it if you are serious about trading.
There's no fucking way I'd own that car without being able to do.kost of the repairs myself. I need to do the lifter shims, which will be a time consuming PITA. Rod bearings are also probably due, but I'll probably pay someone to do those since I don't have a lift and don't want to spend hours wedged under the car because there will undoubtedly be things that get noticed need to be done while I'm in there.
People also don't understand Oracle SW licensing. Companies are being forced to their SaaS by all but EOL (treating it like a 2nd class citizen) their on prem stuff and having such a PITA ambiguous licensing it was once part of a massive lawsuit with Mars. Even after the lawsuit, people jumped through hoops, often unnecessarily, to comply. I.e. people will use their SaaS, even if it costs a bit more just to free up their IT staff and infrastructure from their bullshit.
Honestly, it should all be in a watch or key fob with interchangeable interfaces. Phones are a PITA
Major 2 advantages? Switching is a royal PITA and I really don't wanna do it if the reason is "it's cooler"
No one has the crystal ball. Your first instinct is correct and a free one like the others have said - your bet that a certain stock will either go up or down. There are only 2 ways it could go. IV is a real PITA and time to decay is another vicious SOB. Someone willing to pay a handsome price for your contracts while you’re ITM 60dte is obviously not gonna be around when you’re OTM at 10dte. Options isn’t for the less educated or faint of heart. There’s no guarantee those who made money on options is going to be consistent in making money thereafter.
By the nature that SGOV holds almost all short term Treasury bonds its share price does not change much during a day, but it is not the same minute by minute. SGOV does not pay profit. SGOV distributes dividends from the interest paid by the Treasury bonds it holds. Since the dividends are from Treasury bond interest they are exempt from state and local income tax to the extent that the dividends are strictly from Treasury bonds. This is typically almost all of the dividends, but not 100%. There is a special procedure to claim the state tax exemption for dividends from federal obligations for state tax filing. All of the info you need is not on your broker 1099. It's a minor PITA. [https://thefinancebuff.com/state-tax-exempt-treasury-fund-etf.html](https://thefinancebuff.com/state-tax-exempt-treasury-fund-etf.html) Vanguard's VBIL is almost identical to SGOV.
I look at who the DoD is giving money to and how much value is already figured into the price. I don't like the lack of agility dealing with giant companies like Google and IBM. Sure, through VOO or something I'll buy etfs with big players, but if you are looking for a moon shot, my money is on DWave (QBTS) & Rigetti. -DWave is selling annealing quantum computers which are already providing solutions to real world problems. I like their patent portfolio. I don't love cryogenic solutions, but I think they will continue to be leaders in being first to market and if they grow their customer base and get a good reputation may keep those customers while they advance. They get money from DARPA and the DoD, but it's kept low key which tells me that they are probably getting a lot. -RGTI is an interesting model that's not just ignoring traditional computing, but creating hybrid models that use superconductors and aim to sell *services* as much as actual hardware. I see that as what most universities will budget for before investing in whole systems. They were given at least 8.6 million by the DoD and Air Force and seem to be involved in more long term projects. -IONQ is interesting for sure with their trapped ion method, but it's almost as much of a PITA to deal with lasers as it is with cryogenics. Plus, they are extremely overpriced IMO. They were given 5 million for individual projects that may or may not be renewed. I think QBTS and RGTI are the best play for those who are looking for the best price and can't afford to gamble 4× as much per share on IONQ. They are probably all getting a lot more than we know about, lol. I also feel like it's an industry that is worth supporting- plus DWave is originally Canadian but for accounting purposes considered a US company, Rigetti and IONQ are both US. companies.
I lost 150+lbs naturally and all I take is Prilosec. Weight loss and it's physiological/mental processes is probably one of the things I'm most knowledgeable on. Besides, I'm sure your super secretive industry was a PITA for someone else's, that's how it all works.
I'm pretty much retired now so I can say this, in my industry the number one PITA patients were middle aged female nurses and therapists, bonus points if you are single. The mental health practitioners were always on the most meds and bats...t crazy, so pardon me if I dismiss your take on it weight loss meds as they would probably conflict with the stuff that you are already on.
Basically rich people don't want to be stuck in traffic like the poors and helicopters are a PITA to maintain/pay for
Roth IRA, HSA, 529s for the kids, small taxable account, our house and a couple rentals. I find the rentals to be a PITA, kinda wish I invested in my taxable account instead. Ah well.
My client will not be able to go through the tedition of assigning tax lots. It's a PITA, and you only have 1 day to do it.
Pft this comment is overrated. That PITA bread slaps.
Technically, the more often you buy the closer you will track the market performance. I would not want to track daily or weekly buys. That could be a PITA.
Yeah I was on the fence and then got my first high paying job and was like “well it’s real-estate or the stock market” and I know how much of a PITA being a landlord is so here we are!
Don't buy it physically. Buy miners if you want, buy BAR ETF if you want, but don't buy it physically. Ask me how I know. I have gold sovereign coins, it is a PITA to offload it, I will most likely sell it 2% under spot.
Of all the fruits to grow, this is the easiest. The damn things are basically weed. Harvesting them could be a PITA though
Disagree. It’s easier to pirate these days as a primary source of content if there are specific things you’re looking to watch because of the fragmented nature of everything. Unless you subscribe to 10 different providers, you don’t have access to everything. And even if you do have a lot of subs, it’s still a PITA to figure out which service you want. Pirating is a one stop shop with maybe a 10 minute delay. And interestingly enough, depending on how you download it, there doesn’t even have to be a 10 min delay.
My work rolled out Copilot Chat. It can't tell if it's helpful or not because it crashes every time I start using it for anything intensive. Also annoying that it has some kind of hidden formatting/characters so anytime I try to use to to help with any kind of coding/scripting, I can't just copy and paste it's output into my IDE. Anything that's indented throws and error. I have re-do all the indents. Combined, that means even though it's more of a PITA to use from our computer systems and I have to be paranoid about not exposing propriety stuff, I still use the "more limited" free version of ChatGPT instead.
Ehh. It has its good days and bad days. I’m about 2 years out from the surgery in October. I’m 30 so it’s going to be a PITA my entire life. Fortunate to not have any nerve damage based on the herniation size. I see a chiropractor 2x/month which helps. I will say this… I’ve struggled big time lifting weights afterwards. Hard to keep muscle on since I lack the neck motion after the fusion took.
It really is crazy. I only bought BITO because I was tax loss harvesting FBTC. The dividends are huge but also a massive PITA if you’re trying to be tax efficient like I was. I should have done more research. I’m using the distributions to purchase more FBTC.
Make regular contributions to a Roth IRA and an HSA (if you can with your health insurance). I didn't do this and am now starting on a multi-year Roth conversion process that will be a PITA. It guarantees that I will pay top dollar for ACA for years before Medicare.
Copper Clad Aluminium really sucks as a wiring choice. Sure it saves copper and for (very) high frequencies it works, but it's still a PITA to work with.
The last time I looked at a Customs Entry Summary was about 2 months ago. I'm retired but worked with them for literally 10+ years so had a good understanding of them...or at least I did. It was a shipment that had arrived from China and it was a hot mess. It had the normal HTS codes and rates, then at least 4 or 5 other rates per HTS code with a mix of certain codes getting one or more extra charges. You'd have to do a whole lot of analysis to make sure you were getting charged correctly but finding that info would be a giant PITA. Yes I am glad I'm retired and I'm really fucking glad I'm not responsible for a 2026 Budget. There aren't enough darts in the universe to try to plan for chaos.
I am going to respectfully disagree that it won’t replace people’s desire to own vehicles. The generation being born right now will have zero interest in owning a vehicle. Owning vehicles is a PITA, but we are just used to it. When you can summon a AV from anywhere and it always arrives to you in less than 5 minutes, there is no reason to own a car - which you have to garage, clean, insure, register, maintain, etc.
Their books may be cooked but I will never buy another car via a dealer again. Best and easiest buying experience ever… Buying a washer and dryer from Home Depot was 10000x more difficult and took at least 6 mos to get right. You make a traditionally PITA experience easy for customers and they’ll keep coming back.
Generally speaking, ETF's are superior to MF's in just about every way imaginable. From taxes, totaling opportunities, to fees, to transfers, just about anything. The only thing I can even think of for MF's is if a brokerage is trying to lock you into only using them they can try to come up with some proprietary fund, but typically there's just an ETF that matches whatever MF cheaper. Often, ETF's can literally be bought on 24 hour markets. This means you can buy dips real time and maximize gains. It's ultimate flexibility. MF's are a PITA. So much so in fact, that ghe reason ETF's even exist is to address all the shittiness MF had going on. They literally created them due to the shittiness of MF's. In 401k's you may be required to use em, but anywhere you have the option I'd strongly consider ETF's instead typically.
This. And no, I don’t. I captured profit and put it back in the market when I was sure it wasn’t a freefall. Ended up being a good rebalancing opportunity. The taxes are a PITA but I’m not worried about them. I feel fine about the decision.
I got a WF account in 2015, I had to switch banks a few years later after I found out they were essentially stealing money from me in the form of various fees and a bogus credit account they created, I guess it was hidden in the fine print idk, its the whole reason they got in trouble. PITA to close the account and move my money to another bank AND it dinged my credit score. Just awful.
Oil isn't a great leverage tool for Canada here. Much (most?) of the refining actually takes place in the US; It's the entire reason we have the Keystone pipelines, etc. Canadian oil is "heavy", it takes much more extensive and difficult refining. Most of the refining capacity to process that oil is in the US, near the Gulf, where it can be processed into products for export. Canada themselves have very little refining capacity for heavy crude and that isn't something that's easy or quick to ramp up. It's also incredibly dirty, which is why Canada has been happy to let the US eat that toxic waste. China may want petroleum products, but they want *refined* petroleum products. Heavy bitumen straight out of the oil sands? Massive PITA to move especially by ship and then they'd have to build and take on all that expensive, dirty refining on their side. The math doesn't math. The only way I see China substantially increasing their petroleum imports from Canada is if that refining capacity was built out in Canada so they could import the refined products. That's a huge, long term investment into a sector Canada likely doesn't want (see: dirty). The smart move is likely to see how long this flirtation with fascism in the US lasts, especially as all signs point to it imploding sooner rather than later. If/when it implodes, Canada can likely offer to "help rebuild America" buying up that US based refining capacity at fire sale prices. It just takes a little patience.