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Joined 8 months ago
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Cake day: June 29th, 2024

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  • Since it sounds like you have younger kids, I’d take a decent sized portion of it (maybe 2-8k) and use that to make lasting family memories. Seeing everything of interest in a short range (zoos, aquariums, caves, gardens, museums, national parks, whatever), more frequent small vacations (driving distance or short flights to the beach/mountains/whatever), occasional major vacations (other countries, theme parks, cruises, whatever your family finds interesting). Or investing in lifelong hobbies that you can do together, like skiing, art, tennis, restoring cars, etc.

    After that, the rest I would add to my FIRE plan. It would not necessarily mean retiring sooner (though it might), but it would be about adding flexibility to my life. If my savings were larger, I could always just to dip into that to pay for college or I be better prepared to deal with an unexpected layoff or emergency.


  • I’m the opposite, lived most of my life on the West coast and then moved to the East coast. Some time zone related things that I’ve noticed:

    • I love to start work early and end work early, so there was a period of time where I could work 6am to 3pm and still be online later than many of my east coast coworkers. This schedule was ideal for me. Now I have to work until 5 or 6pm every day and I don’t like that very much.

    • I could get up and trade stocks early in the morning, which is convenient for me because I don’t do a lot of stock trading and don’t need to stay on top of it throughout the day. Now I get up and think, “I need to make that transaction later today”, then 4pm rolls around and I realize I’ve forgotten to do it yet again.

    • Not a time zone thing, but I’ve been to Hawaii once and would love to go back. When I was in California, it was a 5-6 hour flight, now its more like 12 hours. I’m not willing to make that trip. I do have the option to go to the Caribbean or Europe instead, which is nice though (if I ever get around to it).

    • I don’t watch sports, but I always thought of the Super Bowl being an afternoon game. Then I moved East and realized people were staying up past midnight to watch the game (and party) and then trying to go to work or school Monday morning. No impact for me, but for my lifestyle, afternoon games would be preferable.

    • I used to do a lot of online gaming with people from all over the US and Europe. Lots of my friends would stay up very late or even all night gaming. I could keep up with them when it meant staying up until 10-12pm (my time). Staying up until 2 or 3am would not work for me. I don’t play online games anymore, but that would be a challenge for me now.


  • I’m neutral on the housing market right now. People buying houses are generally living in them (or renting them), there’s very little house flipping like in 2005-06. There’s also no interest-only mortgages, so people actually have the cash flow to stay. Rates are probably not going up, but they might come down a little. If they do drop, I think prices will go up proportionately such that the monthly payment is the same either way. New housing is being built, but not fast enough to make a major impact on demand in the near term.

    Altogether, I think housing in the US is “fairly” valued on a supply/demand basis at the moment. If we get a recession, prices might dip, but I would be very surprised to see another crash like 2007-09. However, I also don’t expect to see prices go up quickly from here other than in response to lower interest rates. So, if I were making a new purchase decision today, I’d be thinking about the following:

    • Do I plan to stay 5+ years (the longer, the better)
    • Can I comfortably afford to pay the mortgage (or is it at least comparable to rent)?
    • Can I afford a major repair bill? Especially if any of the big ticket items will hit their typical end of life in the next 5 years.

    Here are some of my major home maintenance expenses from the last 10 years:

    • Water supply line to the house failed (polybutylene): $2.5k
    • Tankless hot water unit failed: $3.5k
    • Wildlife exclusion due to rats in the attic and crawlspace: $2k
    • Electrical repairs due to rats in the crawlspace chewing on wiring: $3.4k
    • Totally gut and rebuild kitchen & bathroom due to plumbing failure: $2k deductible, plus my homeowner’s insurance increased every year since
    • Replaced failed mini-split HVAC system: $3.5k
    • Dig up and repair sewage line that was clogged with roots: $3.5k
    • New sod to repair the lawn after the plumbers dug it up: $1.5k

    Those are the big items I recall that I had little choice in. I also replaced my way past end of life 2 zone HVAC system for about $30k. I could have kept the old one running longer and I could have gotten a cheaper replacement (maybe $22k), but the old system was struggling and couldn’t keep the house comfortable anymore. I seem to recall hearing a good rule of thumb is to set aside 1-2% of your home’s value every year for major maintenance and that seems about right from my experience.



  • The way I’ve seen it, it appears to primarily be used by the various British and former British colonies, including the US. For these groups, anyone from outside the colonies living in “our” territory is an immigrant (who is certainly a lower class!). However, if we choose to reside in another country, we are not immigrants, we are “expats”.

    Not everyone uses this term, but those that do frequently congregate in English speaking enclaves and make no attempt to integrate into their new home. They often see the locals as a sort of servant class, particularly because they probably came with enough money or income to make them wealthy by local standards.

    As you might imagine, people with this attitude are probably not very popular with locals.


  • I would do a search for job listings that would be the jobs you would be applying for if you chose to leave your job or were laid off. Do the job descriptions list the certifications you are thinking about getting? If so, it might be worth pursuing, especially if you can get your current employer to pay for it.

    For example, almost every project manager job lists PMP certification. If you are currently a PM and don’t have it, you might want it just in case you get laid off to improve your chances of getting a new job. Otherwise, you might be up against 10 other candidates with just as much experience, but 3 of them have a cert and you don’t even get a screening interview.


  • At my old company we would ban customers that were repeatedly abusive to customer service agents. Agents had the right to hang up on customers that were being abusive and if the same customer kept getting reported, eventually they would receive a letter from the legal department telling them to stop. If it continued, they would get banned.

    I remember one guy was so bad that a director got the phone system to automatically route any calls from him to his mobile line and put him in his phone book. He would very politely greet him by name as soon as he picked up the call to make it clear that he wasn’t ever going to get through to anyone else.


  • At a prior employer, we noticed that there were many customers getting essentially free service ($100-200 per month) by calling customer service hundreds of times per month and asking for credits for all sorts of things. They were generally very nice and just picked up $5-10 credits until their service was free. Beyond the free service, they were costing the company the expense of the service calls.

    We started routing all of them to a small group of agents and flagged the accounts so the agents would deny them pretty much every time. It was kind of funny because we didn’t tell them anything changed, but you could see that some of them noticed because they started asking which call center they were talking to. They would immediately hang up and call back over and over and just keep going back to the same place. Eventually most of them gave up.

    Note: nobody here would/should feel sorry for this particular company, but I still thought it was funny to see these scammers get mad that we caught on to the scam.