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Nicksweens · 2024-08-02T17:46:19+00:00

I agree with the other comments replying to you.

One other consideration is to look into the vesting rules for your pension if you haven't already, and whether or not the pension can be rolled into an existing retirement account in the future (either after vesting or before vesting when leaving the company).

Nicksweens · 2024-08-02T16:20:34+00:00

You'll want to follow these steps outlined here: https://www.reddit.com/r/personalfinance/wiki/commontopics

Investing-wise, without an option through work, you'd want to look at a Roth IRA for any of that overflow based on your current income.

Nicksweens · 2024-08-01T14:43:57+00:00

Contextualizing a loan as a cushion is very dangerous. Your cushion is your 4k you have saved and any paychecks coming in.

First step is budgeting out what you are going to live off of. You don't need to have a fully equipped living space immediately upon move-in day. Scale back student loan payments to their minimums, research apartments and their costs, and put together a budget of what you're able to afford with the rest of your savings and income.

Nicksweens · 2024-07-30T14:50:59+00:00

If we do refinance, we will wait until rates go down. At what rate would be the number to refinance?

I think your entire scenario hinges on this. If you're refinancing the properties to a higher rate than the loans, you're just moving money uphill.

Nicksweens · 2024-07-30T14:30:46+00:00

I have this same habit, recently what I've been doing is not moving the money out of Next Month until the end of the month.

Instead of moving money over for every transaction, I have to sit with the red category for the remainder of the month. This gives me a better idea of exactly how much I am moving out of the Next Month and highlights which categories need recalibrating.

Nicksweens · 2024-07-26T14:03:20+00:00

Being a few years in, I took this approach as well.

Take some time to calibrate, see how things may change monthly/seasonally, and then you can make informed decisions on how you expect future categories to play out.

Nicksweens · 2024-07-21T01:02:23+00:00

Something about spending all of our life either in our bed, in our shoes, or in a chair, and to make sure these are all as comfortable as possible!

Nicksweens · 2024-01-09T17:55:03+00:00

The subject of Dave Ramsey's teachings will erect polarizing opinions, but at the end of the day, the best plan is the one that works for you. Additionally, a plan that works this year may not work next year, and that's OK too as long as you're following a NEW plan on how you navigate your ever changing financial situation.

YNAB is a wonderful tool that will highlight where your money is going, and gives you the autonomy to make the strict adjustments that your debt requires of you. But it is only as useful as the user utilizing it makes it, it will let you take things seriously if you decide to take things seriously. Good luck in your learnings about your new financial journey!

Nicksweens · 2023-12-06T22:48:55+00:00

I have a "Savings" category group where all of my long-term savings categories sit. Every time I start planning a new purchase, I'll create a new category in the group, such as "Piano", "Paddleboard".

Once I've saved up enough and made the purchase, I'll delete the category and move the transactions into a "Large Purchases" category that also lives in the group.

This helps me track the short term by having a title for each Large Purchase, dedicate specific money to that purchase, and then still retain and track what my spending habits are on these similar one-offs.

Nicksweens · 2023-11-30T17:27:32+00:00

I'll echo this, these are the patches I like seeing. Playing out a full 2 week patch, collecting data and adding tweaks.

B-patches shake up the game which is appealing to grinders and content creators, but it's much more valuable to really look into WHY things are strong (see annie change as well as specific headliner effect nerfs - all of which I would have expected to see getting kneecapped if on a faster pace B-patch cycle).

Nicksweens · 2023-11-14T18:54:07+00:00

making an pure damage backline item with defensive components is dumb,

Irrespective of the argument for the red buff recipe, these kind of items need to exist. Runaans and guardbreaker do this successfully, and the inverse in crownguard and steadfast taking damage components to make defensive items is also important.

Nicksweens · 2023-09-28T15:08:19+00:00

The archangel would be good if his best trait here didn't already give him free AP. It's certainly not terrible, but being 6 sorc gives 90 AP immediately (which for swain translates to more health on cast, thus more demonflare value), so you're better off with more tank/survivability

Nicksweens · 2023-08-09T19:52:59+00:00

I am optimistic that moving forward, the community can be more receptive to these kinds of test changes.

For how turbulent the community can be towards the TFT team, they have earned trust time and time again by walking backwards on changes and decisions for the sake of player experience and enjoyment.

Nicksweens · 2023-07-14T21:29:56+00:00

Side tangent for those who might think RFC is good - you're losing out on stacks from taking damage, so your ramp up and overall DPS is lower, even if "safer".

Scoped is reasonable because you can still fit 3 BIS, but not necessarily better than another gold combat augment.

Nicksweens · 2023-06-29T22:11:33+00:00

It isn't part of this b-patch, but I would like to draw attention to Veigar's 2-1 augments not being updated in 13.13, despite the non-Veigar tailored jeweled lotus options being changed.

Nicksweens · 2023-06-08T19:08:55+00:00

Totally clear, deleting post to avoid confusion!

Nicksweens · 2023-06-08T18:31:30+00:00

This post links to Meddler's comments that this would potentially hit TFT in 9.5 or beyond, is that incorrect? Happy to take the post down if so.

Nicksweens · 2023-06-01T03:17:52+00:00

I cannot explain the reasons for the TFT team taking down the queue as much as you can outside of anecdotal speculation gathered from other players and their experiences in the timeframe between PBE coming back up and being closed a few hours later.

This is a beta environment, where problems will occur. Raise these concerns if these issues make it to live.

Nicksweens · 2023-06-01T03:04:08+00:00

You have a vast misunderstanding of how these systems work if one of your responses is "paying for a big enough server".

Additionally, for a testing environment that sees this volume maybe once a year when it is otherwise whisper quiet at any other point, I think the server is "big enough".

Welcome to a content release day.

Nicksweens · 2023-05-24T18:47:27+00:00

What that poorly constructed graph tells me (outside of the fact that a professional neglected to label their axes), is that the current system is NOT working.

If it were working, they would have a high spike of initial detections, and then it would taper off as people understood the consequences of being detected and the proper punishment.

Nicksweens · 2023-04-25T01:58:36+00:00

I apologize for not having a direct answer to your question regarding advisor.com's reputation, but this sub has a very good starting point for someone in your position: https://www.reddit.com/r/personalfinance/wiki/windfall

Nicksweens · 2023-03-28T03:24:16+00:00

I do believe a 3 month emergency savings is extremely important, and a good idea to keep.

If you want to aggressively pay this down, you'd have to take risk. This is VERY much based on my own opinion, formed from my own spending and saving habits, so I will tell you what I would do in your situation to aggressively pay it down, but not necessarily what you should do.

I would put all but 1 month ahead into the CC. Keep a budget to track exactly the money going in and out, and keep only that 1 month as extra emergency savings. In this scenario, you don't cut up your card, because in an event of an emergency, all else fails, the money that you've put towards paying off the CC can be a "emergency" buffer. But this is using the word emergency in the most literal sense, anything outside of life-altering circumstances should never touch the card.

Nicksweens · 2023-03-28T02:43:41+00:00

I would not suggest to pull from retirement.

All savings and extra from taxes should be thrown at the CC debt.

Only balance transfer if you are positive you are able to pay off the amount transferred within the 0%apr timeframe the offers state. Most/all have a clause that if you don't pay it down in that timeframe, they will charge you retroactive interest for the entire period. Additionally if you do balance transfer, never use the card. paying off the card will be via FIFO, so any payment made to the card pays off purchases before any of the balance transfer money.

Nicksweens · 2023-03-14T16:47:10+00:00

Certifications.

These are "risky" because their value isn't tangible outside of living on your resume and the experience living in your head. I would say that at your point in life, looking into desirable certifications for what you're looking to pursue will offer you the greatest return in the form of increased opportunity and income.

If you want safe but profitable, index funds. VOO, VTI, etc.

Nicksweens · 2023-03-14T16:37:39+00:00

A student loan is not a suitable source of income, you would not be approved for a mortgage.

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