u/Interesting_Week_917

Somehow, there was a CO leak during renovations to my property. We were oblivious to the dangers and chalked up the Ring alarm going off to the constant electrical breakers being flipped on and off due to the construction work.

Well, levels of CO reached 129 ppm in my room, enough to cause me to feel incredibly dizzy and I was unable to comprehend what I was reading. Then, I received a call from Ring alerting me of the CO. They dispatched firemen. Turns out the entire house had anywhere from 50-129 ppm. I have cats and a soon to be wife (who was sleeping!).

I am traumatized but the only saving grace allowing me to move back into the home with some peace of mind is that Ring will be monitoring my alarms in case I am too stupid to take them seriously or too dead/unconscious.

There’s a lot of work going on in my building. New HVAC systems for every single unit. Yay! Well — something went wrong today. A carbon monoxide leak occurred during an exam I was taking for the bar. I noticed that I started to lose the ability to comprehend the questions being asked. Every answer seemed the same and I was struggling in a way I’ve never struggled before with legal questions.

Then, my alarm goes off: “Carbon monoxide alert!” I shut it off, keep going. I thought professionals were at work in the building so why would I worry. A few minutes later, the carbon monoxide alert blared again, and then the one in the stairwell, and then the one in the unit above me, all screaming carbon monoxide alert. I go ahead, pause the diagnostic exam, go to the kitchen where I’ve purchased a $42 plug-in carbon monoxide alarm and it read that my room was full of 129 ppm. Normal is 0-4 ppm. Anything above 70 is genuinely dangerous to your life. Anything above 25 could cause severe headaches and other side effects over time.

I still didn’t believe it.

It took me gaslighting myself for 15 minutes before I realized what was happening. I give myself some grace due to the fact that I was clearly poisoned by the gas but I almost died in my own apartment with my two cats and my fiancee because we just decided to trust other people with our lives. Trust your instincts, and listen to the alarms.

There’s a lot of work going on in my building. New HVAC systems for every single unit. Yay! Well — something went wrong today. A carbon monoxide leak occurred during an exam I was taking for the bar. I noticed that I started to lose the ability to comprehend the questions being asked. Every answer seemed the same and I was struggling in a way I’ve never struggled before with legal questions.

Then, my alarm goes off: “Carbon monoxide alert!” I shut it off, keep going. I thought professionals were at work in the building so why would I worry. A few minutes later, the carbon monoxide alert blared again, and then the one in the stairwell, and then the one in the unit above me, all screaming carbon monoxide alert. I go ahead, pause the diagnostic exam, go to the kitchen where I’ve purchased a $42 plug-in carbon monoxide alarm and it read that my room was full of 129 ppm. Normal is 0-4 ppm. Anything above 70 is genuinely dangerous to your life. Anything above 25 could cause severe headaches and other side effects over time.

I still didn’t believe it.

It took me gaslighting myself for 15 minutes before I realized what was happening. I give myself some grace due to the fact that I was clearly poisoned by the gas but I almost died in my own apartment with my two cats and my fiancee because we just decided to trust other people with our lives. Trust your instincts, and listen to the alarms.

My older cat won’t stop hissing and growling. He’s angry and scared.

The alternative? Leave him with me in an apartment that just experienced 129 units of CO that could’ve killed us.

I don’t know. We don’t know what caused the leak either.

This is crazy. I feel horrible.

I’m 24. I inherited a sizable amount a few years ago and put it into three funds.

VTI: $159,000 in, worth $229,000 today.
VGT: $60,000 in, worth $115,000 today.
VXUS: a small amount, worth $11,000 today.

Total is about $355,000, and VGT is now 32% of it. Counting the tech inside VTI, more than half my portfolio is tech.

This is all in a taxable brokerage.

How do I go about selling? Main problem is I am going to graduate law school in 2028 and I worry if I wait too long before adjusting this I will be hit with the tax while actually earning solid income which would suck.

The alternative path is simply leaving it as it is and once I’m an attorney earning real money just simply funnel all my funds into VTI to balance it out?

I love CS2 but honestly the cheating in Premier is insane. Does anyone know if Valve or CS2 team is planning the integration of some kind of anti-cheating system? It’s truly horrible right now.

Note: I’ve been playing CS for 12 years and this is the worst I’ve ever seen it.

From the inside, what do Chabad rabbis do with the funds us lesser religious Jews give them? She’s given them roughly 2.8 million in 26 years. Does this money actually do anything?

I am a law student, earning roughly 950 a week as a law clerk. I will graduate in 2 years time. I will likely stay at 950 a week during that 2 years, possibly a slight promotion at the firm in 1 year. Probably not, though. I am married to a nurse. She earns $80,000 a year.

Once I’m an attorney, I will work in civil litigation of some kind. Currently, I do real estate but it is quite boring and not my vibe... Interested in personal injury or employee benefits litigation. Salary is likely $100,000-180,000 (the latter figure being the more likely one if I pursue ERISA). The firm I work for mainly does employee benefits work with some real estate litigation. There’s an easy pipeline for me to go to ERISA if I’d like to.

All that is to say that I recently inherited a condo worth $800,000. $300,000 is still owed. I have the ability to sell, live there, or rent it out. Obviously, were I to live there, my wife and I would need to pay the mortgage.

My thoughts are that it could be great to sell and put all the proceeds into VT. At 24, that would be quite helpful in 15 years when I actually want to purchase a home. Alternatively, I could live here and stay here for the 15 years and then sell at the time I want to buy a home and use all the capital as a down payment for a new home at some later date.

Any ideas?

Thanks!

Setup. I understand the concept that there’s a bundle of stocks that any given ETF is comprised of, and the amount of “room” any one given stock takes up is determined by its market cap. The higher the market cap, the more shares an ETF will buy of a given stock.

Example. A 5 trillion dollar company will have more of its shares purchased by VT than a 100 billion dollar company.

The problem. Say the 100 billion dollar company moons to become the next 5 trillion dollar company, where along the way does the fund readjust its holdings away from the one and into the other? In other words, if a fund holds 0.2% of the 100 billion dollar company, but then in 2 days it becomes a 1 trillion dollar company, what happens? Does the ETF buy more shares? Or does its shares that it currently holds just become valuable enough that it adjusts to the new market rate in comparison to other holdings?

I’m sorry if this is stupid but I’m genuinely confused.

I’m personally invested in 72% VTI; 20% VGT; 8% NBIS/ASTS/RKLB/VOYG/VELO. I know it’s not a Boglehead portfolio strictly speaking but that’s not really important to my question. I feel as though an equal weighted fund like RSP is actually quite in line with the Boglehead portfolio philosophy.

I see many rising 2Ls and even 3Ls lamenting that classes begin at the end of this month. This must be so disheartening for so many of the incoming 1L class to see. Let me just say, though it is merely one bit of anecdotal evidence, I truly and so entirely enjoyed and enjoy the process of law school. 1L was a good time. I made a few friends, learned SO MUCH information that has been so incredibly useful. I just helped my father-in-law... TONIGHT... and was able to do so because of Property and Contracts. Seriously, this is an amazing opportunity. You will flourish if you open yourself up to the process.

It is not "easy" but if you're in law school for an easy time... Choose Med School (joking)... But, in all seriousness, law school is what you make of it. You can enjoy the process, or you can join in the collective suffering that most of my peers (for some odd reason) decide to take part in. Find your own path, and don't get involved with your section's drama whatsoever.

Does anybody else have a similar experience with their transition from Oura to Fitbit? My sleep score on Oura was high 70s low 80s consistently with the rare occasional low 90. It felt real. It felt like a good measure of my sleep. Now? Fitbit Air gives me a 96-99 almost every single day. It’s insane! Any ideas? Why?