The 4% rule is not so much a retirement calculation as it is a stop working calculation. With traditional retirement at 62, 65, or 72 years, you need to add in Social Security and any pension(s) you might be eligible for and allow for mandatory minimum taxable distributions from your IRA or 401k. Plus, the 4% rule is…
HildyJj
HildyJj
Don’t forget Google. Google “sample ballot”, click on your address, and you will get national, state, and some local candidates and initiatives; all of which have click through searches for more information. Mine went down to County Board but for School Board and local bonds I was on my own. Oddly enough, Ballotopedia…
True. My point was that brokerage accounts invested in ETFs are as liquid as a bank account. OTOH, you are right that CDs are not a good option for an emergency fund.
I resemble that. But it’s good advice. Always budget for treats. Maybe join a coffee pool at work but allow yourself a Chile Mocha Latte on the weekend.
If your investment account is in CDs, this is correct. Otherwise, it’s advice that dates back to paper stock certificates.
I’m wondering if wrist things that measure Galvanic Skin Response (GSR) and heartbeat could more accurately identify light and REM sleep?
First, you should look into low cost brokerages that won’t charge you an account fee. Any money you can put in an IRA, you should (now and every year).
Another thing that churners need to keep in mind is that for other loans (auto, 1st & 2nd mortgage, etc.) lenders will also be looking at their version of 5/24. Plus, they will be looking at the total available credit you have (the total of all your credit limits) whether or not you are actively using the card.
On credit cards - lenders care about balances but they also care about the total of all your credit cards debt limits. Adding a credit card, as you did, ups your potential debt by thousands of dollars. If you have a lot of credit cards, including store specific cards, you should consider cancelling inactive ones well…
No. Not exactly.
It boils down to if you can afford to retire and why you want to retire. If you can’t afford retirement, keep working until you can - part time work is crap in terms of both money and benefits. If you can afford to retire, do something that you enjoy, whether or not it pays you.
The best way to drive in free moving traffic is to always drive on the right and only get in the left lane to pass, even if you’re speeding. Actually, especially if you’re speeding because left lane speeders are a clearer target. That said, 70 is a ridiculously slow speed for Interstates.
For doors, you want “hinge pin door stoppers”. You can get 6 (you only need one per door) at Amazon for under $10. Because they just slip onto and off of the door hinge, you can use them in a rental apartment.
First, make sure you buy the right length tie - like suits they come in regular, tall, and short. Then start with a repeatable measurement - have the long end of the tie come to the end of your fingertips. Tie it a few times and see how it works. If it’s too long or short, pick a new measurement like one inch longer…
Put the tie around your collar and cross the two ends with the wide end on top and extending to your fingertips. Bring the wide end up and over, around the back, up and over, around the front, up and over, and through the front loop. Tighten to taste. Voila, a full Windsor knot in seconds without even looking.
For Firefox, there’s the QuickFox extension. It opens a new tab or new window with a tabbed notebook inside. It stores the notes as bookmarks so they will sync with other computers. You can even encrypt notes if you want. Unfortunately, the extension is not currently supported on Android (or, I assume, iOS).
The key to a mint julep is putting the mint in the bottom of the glass, putting in the sugar, and muddling it - crushing and mixing the two with a wooden pestle (think of a thick cigar made of wood) (if you don’t have one, a wooden spoon). Your picture is also wrong; the garnish should be a leaf or two of mint, not a…
First - never buy a suit without having a tailor alter it; a well fitting inexpensive suit makes a better impression than an ill fitting expensive suit.
I’m an old timer. I can (or, at this point, could) read Hex and program Assembler and FORTRAN (from the graphic) as well as APL, ALGOL, and COBOL. If you want to understand how a computer works, the easiest path is to learn traditional (not object oriented) COBOL. It’s also incredibly saleable because a lot of…