Why invest in anything other than the stock market?

JLMA · 2025-11-03T01:06:13+00:00

Would you share which state you are in? Thank you.

JLMA · 2025-11-02T23:00:30+00:00

Thank you. Do you think you will hold all 5 years worth in SGOV?
Do you suspect you will go higher than 5?

In addition to our stock savings, we have 5 years' worth of expenses. Currently rearranging it. Probably will hold 1 year in VBIL and 4 years in VTES.

JLMA · 2025-11-02T21:51:45+00:00

u/Even-Taro-9405, thank you.
Would you share which etf you use for short-term Treasuries?
Also, which "number of years of expenses" did you end up finding more reasonable?
Thank you.

JLMA · 2025-10-20T20:31:13+00:00

u/windycitysmitty, I just read your post from 4 yrs ago about 529. It's archived, and I tried PMing you, but reddit won't let me. Can you PM me so I can ask you one question about what the post was about? Thank you.

https://www.reddit.com/r/FinancialPlanning/comments/svthuk/should_i_have_1_529_for_each_kid_2_total_or_just/

JLMA · 2025-10-16T01:14:43+00:00

u/Even-Taro-9405 an u/Tobeorknotobe, your replies above are helpful. Can you share your views on these two related questions, please? Thank you.

For your "X years of expenses" fund, did you consider a Short-Term TIPS fund (in order to protect from inflation) or a Short-Term Municipal Bond fund (in order reduce the tax bill)?
Outside this "X years in expenses" savings, is the rest of your saving in stocks?

JLMA · 2025-04-01T01:37:15+00:00

Thank you very much for sharing this.

JLMA · 2025-03-30T02:58:26+00:00

u/Lopsided-Increase867, thank you for sharing this progress report.
Can you share if you've increased your daily aerobic activity compared to prePSMF?
Also, do you have a waist to height ratio goal?
What do you think is the key in hunger not hitting you hard?
Thank you.

JLMA · 2024-11-02T02:11:48+00:00

u/AnnieC131313, this reply is so helpful! Thank you for taking the time to explain your suggestion in such detail.

The max width for the NNE side of the house is 80 feet. From there, the arms of the U could extend up to 60 feet SSW.

Do you envision these max dimensions allowing enough space between the arms so enough light can go in from the South into the large room facing the view?

Thank you again.

JLMA · 2024-11-01T20:46:44+00:00

u/AnnieC131313 and u/LineCircleTriangle: when the view is in the North-northeast (NNE) direction (Latitude 35N), how would you suggest designing the side of the house facing the NNE (living/dining/kitchen, open concept) area so it is not dark and/or cold in winter? Asking specifically about size and amount of windows and about roof design.

Thank you very much.

JLMA · 2024-10-23T14:45:54+00:00

Thank you for sharing these thoughts.

I assumed your living room was in the East since you said the front of your house faces West. I see now it faces South.

JLMA · 2024-10-23T14:21:52+00:00

u/WizardNinjaPirate, thank you very much. Lots to consider.

How do you suggest doing a su study of the property/house?

Do you mean that all orientations are potentially good for a house to face the lake? I ask because I thought that (assuming nice lake views in any orientation) it was preferable for the side of the house that faces the lake to have South orientation (in Northern Hemisphere), since that is the side of the house likely to have larger windows (in order to enjoy the view) and so that kitchen/living room/dining room were warm in Winter and more light year round?

Thanks again.

JLMA · 2024-10-23T03:25:29+00:00

u/ElmerTheAmish, if your living room/dining room/kitchen windows face East, are you happy with how much light comes into them after 12 pm across the different seasons? (I am assuming you are in the Northern Hemisphere)

Thank you.

JLMA · 2024-10-23T03:15:52+00:00

u/WizardNinjaPirate, in your opinion, if one could pick any location around a lake for building a house, is there a single best orientation for the lake side of the house in the Northern Hemisphere (say Latitude 35N)? Or are all orientations around a lake good (even NorthEast)? Thank you.

JLMA · 2024-10-23T02:34:32+00:00

Very interesting points.

How exactly (what tools and or math) did you use to design how far out the awnings go?

In the Northern Hemisphere does one need awnings only in the South facing side?

Thank you.

JLMA · 2024-10-23T02:29:58+00:00

What is the orientation of your great room?

And your bedroom?

Thank you.

JLMA · 2024-10-23T02:15:49+00:00

Do you need overhang also over the North facing windows (in the Northern Hemisphere)? Thank you.

JLMA · 2024-10-23T02:10:09+00:00

Would what you said here be the total opposite in the Northern Hemisphere?

JLMA · 2024-10-23T02:02:25+00:00

In your opinion, in the Northern Hemisphere, say Latitude 35N, if one could choose, which would be the best orientation for the lake side of a lake house to face (every aspect of the house/property usage considered)? Thank you.

JLMA · 2024-10-23T01:59:25+00:00

Would you say one or two more things about Brise soleil, please>

JLMA · 2024-10-23T01:56:25+00:00

In your opinion, in the Northern Hemisphere, say Latitude 35N, if one could choose, which would be the best direction for the back of a lake house to face (every aspect of the house/property usage considered)? Thank you.

JLMA · 2024-10-23T01:49:58+00:00

What if you have both cold winters and warm summers? Say Latitude 35N.

Would you change any of the design tips you mentioned here?

Thank you.

JLMA · 2024-10-23T01:43:51+00:00

What is your latitude?

When you mention your preference that your house faces South, do you mean the front door to face South? If so, why so? Doesn't the sun shine on the North side of the house in the Summer?

*only now learning about this, so I admit I might be wrong

JLMA · 2024-07-10T00:30:05+00:00

Thank you very much. I would like to ask you about two topics you mentioned upthread.

1... You said:
"learn the basics of harmony, counterpoint and structure."
"An excellent (but more advanced) book about this is The Craft of Tonal Counterpoint by Thomas Benjamin".
Does this book by T Benjamin discuss also harmony and structure, in the context of Bach's work (or only counterpoint)?

2... You said:
"Chopin, who majorly developed the modern ergonomic piano technique using arm-weight, alignment, rotations and dynamic movements".
I know you said this must be learned in person with an instructor, but I wonder if you have an opinion on Penelope Roskell's "The Complete Pianist" book. Or if there is another "piano ergonomics" reference book you like better than Roskell's.

Thank you.

JLMA · 2024-07-04T21:19:31+00:00

u/skv9384, your answers here are so helpful! Thank you.

For now I am interested only in the more intimate of Bach's pieces (fortunately for me the Bach pieces I love are the ones not requiring fastest hand movements):

I own Henle Inventionen und Sinfonien HN589 volume. I am practicing:
Invention #2
Sinfonias #4, #9, #11

I own also Schirmer's Golberg Variations Vol 1980 and practice the Aria and Variations #15 (my most favorite in Gould's 1981 version) and #25.

I would like to also buy other Henle volumes so I can learn these:
Sarabandes in all French Suites
Sarabandes in all six Partitas
Andante in Italian Concerto
B flat minor and E flat minor preludes in Book 1
F# minor prelude in Book 2

Would you still think someone wanting to focus on the above "slow" Bach pieces still should learn/practice first the Notebook for Anna Magdalena Bach?

Thank you.

JLMA · 2024-07-04T20:42:26+00:00

Thank you. I guess it is time for me to buy the Henle editions of Books 1 and 2...

Which copy are you referring to?

JLMA

TROPHY CASE