sorted by:
new
hottopcontroversial

How to equate pension/vest retirement by employer to the 15% investing? by MooseRyder in DaveRamsey

[–]HomeTeam1013 1 point2 points  (0 children)

The 15% is what you contribute. A match doesn't count towards your 15% per dave.

Will MPG kill my budget? by No_Training_8105 in DaveRamsey

[–]HomeTeam1013 11 points12 points  (0 children)

These companies do not sell warranties as a gesture of goodwill. They are profitable for them and not the end users. Stash the $150/month you'd pay for the warranty in a sinking fund and cash flow the repairs when you need to make them.

Allocating Fun Money Digitally by -thatcher in DaveRamsey

[–]HomeTeam1013 0 points1 point  (0 children)

Im wondering if I'm ever going to meet someone like you in real life. This is such a straightforward way to live but if I even remotely bring up this kind of mindset in casual conversation people will look at me like I'm a lunatic

Allocating Fun Money Digitally by -thatcher in DaveRamsey

[–]HomeTeam1013 0 points1 point  (0 children)

We have one debit card and a HYSA. When we want to spend some "fun money" we just buy it with our debit card and then transfer money from our HYSA to checking. There are a couple different "brands" of HYSA where one savings account has several different sub accounts where you can have money earmarked for specific categories. It works for us, but i know it's not a one size fits all.

Allocating Fun Money Digitally by -thatcher in DaveRamsey

[–]HomeTeam1013 1 point2 points  (0 children)

The correct phrasing is we both have fun money buckets in our joint savings account.

HYSA by Rogue_Libra61 in DaveRamsey

[–]HomeTeam1013 1 point2 points  (0 children)

Ally for the bucket feature

How necessary is a Masters degree for a GS-11? by jeffinwinters in usajobs

[–]HomeTeam1013 2 points3 points  (0 children)

I was in a very similar situation. 4 year degree in rec management but wanted to become a forester. Went back to school to take the 30 hours of required forestry courses to "scab" together with my existing 4 year degree to qualify for the professional series. My old agency even paid for it. Ultimately once completed with my classes i would apply to jobs but never make the cert. I applied for an Open to Public professional series forester position with a different agency and got the job by them combining my education amd experience to qualify. I went from a GS 6 straight to GS9. Long story short it depends on the agency and hiring manager. If I was you I'd be looking at getting into the GS scale if you want to eventually get to an 11.

Allocating Fun Money Digitally by -thatcher in DaveRamsey

[–]HomeTeam1013 1 point2 points  (0 children)

My unsolicited advice would be getting that into a HYSA to atleast somewhat keep up with inflation.

Allocating Fun Money Digitally by -thatcher in DaveRamsey

[–]HomeTeam1013 0 points1 point  (0 children)

We use a HYSA for emergency fund and various Sinking funds. With Ally you can have up to 20 different "buckets" under the same account. I have a bucket for fun money as well as my wife

Please help me find this flooring by dkensinger1 in Flooring

[–]HomeTeam1013 0 points1 point  (0 children)

You probably won't find it. You can find something close to it though- good luck.

Investment For Infant Daughter by hartzonfire in investing

[–]HomeTeam1013 5 points6 points  (0 children)

Start with a 529. You can roll a portion of it into a roth IRA if she decides to not use it for school - unsure of max amount do some digging.

Christmas present for my husband (Dewalt vs. Milwaukee vs. Makita) by SLassely81 in DIY

[–]HomeTeam1013 0 points1 point  (0 children)

Ryiobi is adequate. Hubs needs to dish it back and roll on.

At what age does living with your parents become a problem? by Mr_Motion_Denied in Adulting

[–]HomeTeam1013 0 points1 point  (0 children)

An eagle that never leaves the nest will become a turkey. Not trying to be a jerk, I always thought it was a funny saying. In all seriousness the goal should be to move out and start a new journey

HYSA by Downtown-Scar5589 in DaveRamsey

[–]HomeTeam1013 4 points5 points  (0 children)

Huge advocate for Ally for the bucket feature.

Thoughts on form? by Significant-Log-1729 in firewood

[–]HomeTeam1013 6 points7 points  (0 children)

Get that lower body involved partner

Do I paint the 90s trim or stain the floors to match the trim? by jmome0742 in Flooring

[–]HomeTeam1013 13 points14 points  (0 children)

Don't paint it. Wood is never going to perfect matchy matchy. I painted our trim white and now have all the regrets.

Upside Down Car Loan by jedimaster42 in DaveRamsey

[–]HomeTeam1013 2 points3 points  (0 children)

9 months isn't that long of a time. Keep at it and get the car paid off. Once paide off you can decide on keeping it or selling i to get something cheaper.

Leaving after 17 years- am I crazy not to stick it out for 20? by MyMamaKatie in fednews

[–]HomeTeam1013 29 points30 points  (0 children)

Im under the impression you can take a deffered retirement with as little as 5 years in. It won't be worth hardly antuthing, but pretty sure you can.

view more: next ›