Topics

16

General Discussion / Getting ready for Winter

« on: December 09, 2020, 04:11:49 PM »

I live out west and winters are very mild here, it has never snowed and we're lucky to see temperatures fall below freezing. This is the only life I have ever known, so for my brothers and sisters who lives in colder states... What is it that you must do or normally do to prepare for winter? And please don't leave out details.

17

General Discussion / Enough politics, distraction post.

« on: December 07, 2020, 11:33:00 AM »

How do you deal with Stress? Or worst, anxiety and depression?

Traditional- your soul has wondered off and evil spirits have hold of it?
Western Beliefs- chemical imbalance in you?

Or do you self medicate? Drugs and alcohol?

18

General Discussion / TGIF

« on: December 04, 2020, 03:04:23 PM »

For those fortunate enough to still be working... happy Friday to you. Have a great weekend and to Lilly, my new catfish friend... stay safe!

19

General Discussion / Living in cold States...

« on: December 02, 2020, 05:10:55 PM »

Personally, I don’t care for the snow and all that’s associated with it... icy roads, rust, heating bill, snow removal, and freezing weather in general. So for those living in up in Minn and Wisc, what’s the draw for you? Is it really that bad and what keeps you from relocating to warmer weather??

20

General Discussion / Hypothetical Situation

« on: December 01, 2020, 12:15:00 PM »

What's the minimum you can retired on? 1 million dollars, 2 million dollars or more? Let's say you do have a million dollars saved? Would you retired right now?

21

General Discussion / What are you thankful for?

« on: November 18, 2020, 03:39:52 PM »

I am thankful for the COVID vaccine, help is on the way. I am thankful I still have a job. I am thankful I have a family that cares about me. I am thankful I have good friends to cheer me. Most of all, I am thankful for the air in my lungs and because I got to watch the sun rise and set today.


*** Guns, personal attacks and yourself does not qualify.***

22

General Discussion / What matters to you, be honest

« on: November 12, 2020, 06:56:11 PM »

We say family is always first, but how many of us actually practice what we preach? When was the last time you took your parents out to a nice dinner?

We say money is not important but how many of us have relatives that engaging in illegal marijuana cultivation. Some are dealing in it.

We say our health is everything but how many of us exercise regularly, eat the right food and avoid stress.

I think we are all hypocrites, especially myself.

23

General Discussion / Retirement

« on: November 11, 2020, 01:26:08 PM »

Just curious... all things being equal. Do you see yourself retiring in the same house, town, state or country you're currently living in?

24

General Discussion / Dave Ramsey. Top 10 things to not do with money.

« on: November 04, 2020, 01:40:33 PM »

I have been following this guy for some time... he is the reason I am debt free. I have done all of these things and hope this helps you too.

1. Don’t try to tackle your biggest debt first. Instead start with your smallest debt and once paid off, use that money to tackle the next debt.
2. Don’t try to justify frivolous purchases. “I deserve it cause I worked too hard.” Be sensible on your spending.
3. Don’t buy a new car. Fun fact, a new car depreciates 10% the minute it leaves the sales lot. Buy used.
4. Don’t use credit card for what you can buy with cash. Credit interest will kill you and your budget.
5. Don’t spend when you can invest. Instead of spending your raise, add it to your 401k. It’s new money you will not miss it.
6. Don’t go to a fancy college. A degree is still a degree. I started at a city college then transferred to a state university. This saved me a boat load of cash.
7. Don’t splurge once you graduate. Stick to your budget.
8. Don’t give your kids allowances. Have they work part time so they understand the value of money.
9. Don’t buy an engagement ring from a jewelry store. Jewelry deprecates beyond belief and is cheaper on private sales.
10. Don’t try to get rich quickly. It’s a marathon not a sprint.

Thoughts?

25

General Discussion / Long time reader, first time post.

« on: October 29, 2020, 11:53:08 AM »

A little about myself. Male, 41, single (not looking), and obviously Hmong.

Just wondering if anyone here is aware of FIRE or doing Financial Independence Retire Early? Any mutual friends on this subject is welcome.

KV