u/wobble-frog-dos

in the incredibly dishonest email announcing the rate change, there was no mention of refunding the unused portion of current subscriptions.

for instance, I paid $699 july 5th for 12 month subscription. they (at minimum) owe me a refund of $461 (8 months), and really they owe some penalty for breach of contract too.

anybody interested in a class action suit if they are not forthcoming with the refunds?

EDIT: I missed the bolded "when your subscription expires" clause in the email, because I was so pissed about the BS wording about "making things better for owners and customers" so, nevermind.

59.4M, Married, looking at 1.5-2.5 more years of work before retirement. $2m 401k/403b in mainly index type funds (mix of large, mid, small, international) no/nearly no bond funds. ~40k cash. a couple entirely illiquid real estate holdings totaling ~$1m, equity in home ~$350k, owe $120k on mortgage (but planning to sell/downsize as retirement window nears to a place we can buy with just the equity). maxing out (and then some) 401k + catchup contributions + 11% match. MHCOL no state income tax location.

should I restructure my 401k to be more conservative now, or keep building? hard to walk away from 16% returns I'm seeing now. what kind of mix should I look to achieve?

right now stuck with Alight 401k (awful) and TIAA 403b from previous job (good) but company supposedly switching back to Fidelity (yay!) next year.

I'm thinking about holding off on the strategy restructure until the switch back to Fidelity, but could be convinced to do it now....

seems that pretty much every Beya has either a prefix or suffix in common across the vast majority of their Rikishi, yet Nishonseki seems to have no pattern at all.

what gives?