Do you even invest?

Off-topic? You mean on-topic!
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Desertbreh
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D Griff wrote: Fri Sep 30, 2022 11:34 am That is bananas. We have no gas and I've never seen an e3lectricity bill over $90 at this house. Gotta get into that poverty living, tiny house, no pool, etc. $200+ in fees... :disgust:

I agree that we're likely not at the bottom, but it also seems an odd time to sell stonks... kind of missed the boat on that IMO.
My electricity is $590 month...........but I have a swimming pool and a 71 degree house in hell.
Detroit wrote:Buy 911s instead of diamonds.
Johnny_P wrote: Thu Feb 09, 2023 3:21 pm Earn it and burn it, Val.
max225 wrote: Mon May 01, 2023 5:35 pm Yes it's a cool car. But prepare the lube/sawdust.
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D Griff
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I enjoy the low power bill flex.

:scrooge:

My house in Miami had a swimming pool (and obviously AC running most times), plus it was built in the 1940s. That sucker would eat $300-400/month in electricity no problem even in 2009.
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max225
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$15 a month checking in… solar baby
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Desertbreh
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max225 wrote: Fri Sep 30, 2022 2:34 pm $15 a month checking in… solar baby
I forgot, did you get a battery with that nasty bitch?
Detroit wrote:Buy 911s instead of diamonds.
Johnny_P wrote: Thu Feb 09, 2023 3:21 pm Earn it and burn it, Val.
max225 wrote: Mon May 01, 2023 5:35 pm Yes it's a cool car. But prepare the lube/sawdust.
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max225
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Desertbreh wrote: Fri Sep 30, 2022 2:43 pm
max225 wrote: Fri Sep 30, 2022 2:34 pm $15 a month checking in… solar baby
I forgot, did you get a battery with that nasty bitch?
Yes.
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D Griff
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max225 wrote: Thu Sep 29, 2022 11:23 am Bought a 6 months treasury bond today... 3.85%. Fuck the market
How do these work? Did you buy it through a broker or the gov directly? You just get that rate over six months then the money is yours when done?

We have two savings accounts, one is with CIT Bank which was highest when :tits: sold her house so we plopped a nice chunk of dough in there. I also have one with Discover. Well, today Discover is at 2.13% and CIT is .99% so I guess we'll move it all into Discover, but perhaps a CD or bond would be better for some of it? We don't need access to all of it immediately, my Discover account would be enough to get by for six months if we somehow both got shitcanned or something.
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SAWCE
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I’m a little late to the game, but market is still down, so it should still benefit me in the long run. Just doubled my 401k (TSP is the .gov version) contribution. That might be a bit ambitious, but I can always scale that back if needed after seeing how the new paychecks feel with that amount being held. IIRC you usually only see a “loss” in your paycheck of ~$0.75 per $1 held because it lowers your taxable income, so shouldn’t be too bad..
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max225
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D Griff wrote: Mon Oct 03, 2022 9:29 am
max225 wrote: Thu Sep 29, 2022 11:23 am Bought a 6 months treasury bond today... 3.85%. Fuck the market
How do these work? Did you buy it through a broker or the gov directly? You just get that rate over six months then the money is yours when done?

We have two savings accounts, one is with CIT Bank which was highest when :tits: sold her house so we plopped a nice chunk of dough in there. I also have one with Discover. Well, today Discover is at 2.13% and CIT is .99% so I guess we'll move it all into Discover, but perhaps a CD or bond would be better for some of it? We don't need access to all of it immediately, my Discover account would be enough to get by for six months if we somehow both got shitcanned or something.
www.treasurydirect.gov also buy an I bond for yourself and the wife first. 9.6% guaranteed 10k per person. Paid out every 6 months.
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