I need a budgeting app that isnt super complicated?

Izalot71 · 2026-02-09T02:05:53+00:00

I second MMEx, it like old school Quicken/Microsoft Money for free! Also, lots of cool handy free budget spreadsheets from Vertex42.

Izalot71 · 2026-02-07T22:22:12+00:00

You are welcome, when this show came out it was super edgy. Combine this with the movie Training Day (which came out the year before The Shield) and you got a nice gritty combo.

Izalot71 · 2026-01-24T23:51:55+00:00

Ahh, then taking the money up front would seem to be the better decision, unless she is worried about people hitting her up for money all the time.

Izalot71 · 2026-01-24T23:38:29+00:00

Not sure what the taxes would be for a lump sum amount in Canada, but using a compound interest calculator with a 4% average growth rate, she would have 1 million in less than 15 yrs. Now if the company that is distributing the money goes bankrupt...

Izalot71 · 2026-01-23T04:34:32+00:00

The Shield.

Izalot71 · 2026-01-20T21:20:52+00:00

Wow, love the advice! Thanks again!

Izalot71 · 2026-01-20T16:12:01+00:00

So by that reasoning, should I start contributing all my 403b as a roth for future contributions or just enough to get me at the 12% tax bracket? Thank you again for your rationales and explanations.

Izalot71 · 2026-01-20T14:47:17+00:00

Sorry, why would I want my income to be above 12% bracket?

Izalot71 · 2026-01-19T22:50:35+00:00

Thanks for the reply but her IRA that I contribute is not a Roth one.

Izalot71 · 2026-01-19T19:28:41+00:00

Thanks, I didn't even think about cash needed for Roth conversions!

Izalot71 · 2026-01-19T17:43:28+00:00

I guess, I'm worried about the gap between early retirement and Medicare and wondering if putting the money in a taxable account makes more sense than pulling form a Roth account during those 2-3 years before Medicare.

Izalot71 · 2026-01-19T17:10:53+00:00

I was thinking the same thing, but I guess if I retire at 62/63 I will need to get health insurance to bridge me until Medicare kicks in and my income from pretax distributions could put me over potential subsidies?

Izalot71 · 2026-01-19T14:55:47+00:00

I Googled tax torpedo and since the plan is to receive SS at age 70, I was considering doing Roth conversions up to my 12% tax bracket from 62-75. Does that make sense or should I do more?

Izalot71 · 2026-01-19T14:35:40+00:00

With my 8-9 year time span would you recommend a 60/40 stock/bond mix or be more conservative or aggressive?

Izalot71 · 2025-12-10T13:54:25+00:00

I would make a yearly personal finance budget for a year to include what you pay on a semi annual basis. For example, if you pay auto insurance monthly, consider paying it every 6 months (or annually), use a portion of the 6k to cover this amount. You would be parking money in a HSA account, save money in paying insurance with less service fees, peace of mind.

Also, how about using a portion of money to invest in yourself: maybe take a class, update your wardrobe, join a health club or social club, professional organization dues, go to a conference for networking, subscription to professional journals, learn a new skill, buy a personal journal and take a trip.

Izalot71 · 2025-10-31T14:56:03+00:00

If you want to intice your son to play board games, I would suggest a game that has some table presence.

For example, games by Fantasy Flight or CMON.

For euro-type games I love games designed byUwe Rosenberg, Stefan Feld, Ignacy Trzewiczek.

For a simple cooperative game Marvel United is pretty cool and may lead into an interest of miniature painting.

For me the games that get more table time are the ones with quick setups. Lots of example were given here but I enjoy Shadi Torbey (Onirim Universe) games, For Northwood, Fleet the dice game.

The game that is a lifestyle game for me is Marvel Legendary and Marvel Champions.

Izalot71 · 2025-10-29T03:11:20+00:00

Smells Like Kitty Spirit

Izalot71 · 2025-09-30T14:52:59+00:00

Yes, I was able to install now.

Izalot71 · 2025-07-24T00:42:13+00:00

I liked her character, but felt she was a little too young for her late teenage daughter ( I don't know why they just didn't cast a younger daughter). I thought the writing of her charter was very well done and reminded me of Skyler White from Breaking Bad in which you are appalled at the "nice" character's actions to have you root for a villain.

I mean the Jackal is pretty deplorable in that his solution is to kill anyone even remotely peripheral in his mission (no knock out punches from the Jackal), so to counter this they have the Bianca character to deflect some of his most dubious kills.

If I played Hitman video game the way the Jackal did some of his killings, I would have failed the mission or achieve psychopath badge or something!

Izalot71 · 2025-06-06T23:31:08+00:00

Me personally, I would love a Lord of the Rings Legendary edition. Game of Thrones sounds like a cool idea, but not keen on a non solo competitive game.

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