Personal Finance (Not Investing) • How much to save for emergency expenses ?
If your emergency fund is there to defend against job loss, the size of the fund should be in relation to your monthly expenses and your state’s unemployment benefits. in my opinion, unemployment...
View ArticlePersonal Investments • First post in 10 yrs. Somehow I got rich…
-Cliff notes: started a company in November 2014.-Current Age 41-ZERO DEBT in personal life or business!!!-INCOME: over $500k/yr and increasing yearly-10 yrs later I have a paid off house $750k.-$550k...
View ArticlePersonal Consumer Issues • Bitwarden desktop not working or responding Win 11
I lose the Ctrl+shift+l shortcut on browser upgrades sometimes. Have had to reinstall the browser extension a few times.No issues with the desktop app yet.Statistics: Posted by leland — Wed Oct 30,...
View ArticlePersonal Consumer Issues • Just laid off, no idea about 2025 income, how to...
Thank you. That helps a lot.Statistics: Posted by SkepticalAmerican — Wed Oct 30, 2024 3:25 am — Replies 2 — Views 257
View ArticlePersonal Investments • Any Reason to Stay in TSP
I agree with all of your points although I still appreciate the G Fund for what it is, a nice stable value fund for some "safe" money. With that said, I plan on moving a large percentage of my TSP to...
View ArticlePersonal Investments • On the fence of adding small cap value
I used to hold a tilt to Small Value ... notice I said 'used to'.No significant difference detected.Me? Early-retired years ago, still not yet age 59.5, delaying SS until age 70.More info in my...
View ArticlePersonal Finance (Not Investing) • Where does my matured money physically go...
Buy a short-term, small-dollar something in your Roth IRA, then learn what happens when it matures.Statistics: Posted by steadyosmosis — Thu Oct 31, 2024 1:33 am — Replies 2 — Views 400
View ArticlePersonal Finance (Not Investing) • SS @ 62, spouse SS @ 70
If your benefit is less, then claiming at 62 for your own and starting spousal after your spouse initiates at 70 will maximize your spousal.That's incorrect. Opensocialsecurity operates under the...
View ArticlePersonal Consumer Issues • College Student Broken Wrist - Productivity Tools?
When one of our kids was in college, a professor in one class said there was a student in the class that needed a copy of lecture notes. If someone is interested in the job, please go to the...
View ArticlePersonal Investments • Are You Participating in Direct Indexing
Hello, I've been retire for some time now. I'm always looking and researching subjects on how to better my investment knowledge. Some info I act on and some I don't. Is anyone out there participating...
View ArticlePersonal Investments • Managing a windfall, unique circumstances
As I read your post you made it seem like you were broke / just making ends meet as expenses are higher than income. Then you throw out that you have 900k with another million coming in. The only...
View ArticleInvesting - Theory, News & General • Why hold nominal bonds at all? Why...
I recall Larry Swedroe posting a study article here that concluded that 100% TIPS was best for retiree fixed income. Then, at the very end, the article declared that this allocation might be best for...
View ArticleUnited Arab Emirates • Disclosure of past transactions in Form 8854
The instructions to Form 8854 have the following note:“If there have been significant changes in your assets and liabilities for the period that began 5 years before your expatriation and ended on the...
View ArticlePersonal Finance (Not Investing) • Life insurance through employer vs external
Someone said premiums are non taxable above? What does that mean or how does that work? Or may be they didn't mean premiums but something else?I think that the reference was that life insurance death...
View ArticlePersonal Finance (Not Investing) • 6.5% Mortgage / Pay Off
Paying off your mortgage seems like solving the symptom rather than the underlying problem. I’d try to develop a good strategy to invest long term while still being able to sleep at night. We can...
View ArticlePersonal Finance (Not Investing) • Considering buying a lake house (pros and...
When my wife floats this kind of idea, I tell her that’s what they make hotels and resorts for.This!So this!And such good advice about chatting with the building inspector.And how having just one home...
View ArticlePersonal Consumer Issues • Sunroom/solarium/greenhouse addition
We are considering some projects around the home, the most involved of which would be an addition off the side of our house, something with lots of light and glass. We garden, start plants inside...
View ArticlePersonal Consumer Issues • What are you listening to now
I stumbled on a group with the interesting(but long) name of "The Bones of J.R. Jones". They or at least lead singer Jonathon Linberry have a really interesting mix of acoustic blues/folk/country....
View ArticlePersonal Consumer Issues • Bought iPad from Costco - Price match or not?
$199 at Costco now-Statistics: Posted by soretired — Fri Nov 01, 2024 2:18 am — Replies 15 — Views 1034
View ArticlePersonal Finance (Not Investing) • 1/10th Rule for Cars
Spending "rules" are almost always garbage. Realistic spend should not follow rules but your budget priorities. For some income the "rule " might work but not at the full range of 25k to 250k living...
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