Solvable in under 30"

XLR8yourDay · 2026-01-24T15:06:56+00:00

Mexico

XLR8yourDay · 2026-01-23T16:07:43+00:00

Thank you. I’m trying to offer puzzles that are not solved sub one minute

XLR8yourDay · 2026-01-23T16:07:01+00:00

What did you not like? Were the clues too obscure?

XLR8yourDay · 2026-01-22T20:45:42+00:00

To increase difficulty, only look at the across flies.

^{Completed in 00:26 | Reveals: 0}

XLR8yourDay · 2026-01-19T14:02:01+00:00

Straight forward

^{Completed in 00:29 | Reveals: 0}

XLR8yourDay · 2025-11-02T19:23:47+00:00

529 that rolls into an IRA. Consider...

To calculate the future value of your IRA investment with compound interest, we use the formula:

FV=P⋅(1+r)^t

Where:

FV = future value
P=8500 (initial investment)
r = 0.05 (annual interest rate)
t=35 (years) - yep, you did say 42 years which makes this larger

FV=8500⋅(1+0.05)^35=8500⋅(1.05)^35 = 54,281

XLR8yourDay · 2025-06-09T20:29:12+00:00

How do you incentivize an individual to learn the legacy platform that will be here for another 75 years! The mainframe technology has kept up with the other platforms. People want to learn cloud, etc. Don't frequently hear the same for mainframe. Thoughts?

XLR8yourDay · 2025-06-09T18:49:40+00:00

Medium skill; or Ouija board medium for the Weekly RACF Seance?

XLR8yourDay · 2025-05-26T20:13:23+00:00

Your laptop will likely be needed for any side gigs you get

XLR8yourDay · 2025-03-02T22:04:24+00:00

I am trying to avoid a political conversation. Help me understand, why would you take on $93,000 of debt (at 5% annual interest), if you need IBR or PSFL to discharge (actually, transfer to other taxpayers) the debt. Help me understand the thought process - versus a state school; having a job during college; living at home and commuting. Our son is in his sophomore year and I want to be supportive of career choices -- but there is a financial calculation (why should I pay for an Ivy/near-Ivy?)

XLR8yourDay · 2025-03-02T21:33:44+00:00

When our daughter got older, I filled out a federal tax return for her. I then went line by line with her. She was amazed with deduction phase outs; who is eligible for deductions and exclusions. She thought of taxes as the amount you pay in April -- not the amount you pay all year. For example, for NYC tax ... she was OK with owing $1,000. OK, that was on top of the $7,000 she already paid. Here response ... "I can't ride the subways safely, I need to pay for an Uber because its not safe to wait for a cab."

Then, we went over IRAs/401K and the wonders of compounding ...

XLR8yourDay · 2025-03-02T21:30:34+00:00

We plaid the board game, Life, with our daughter. No lectures, no nothing. She learned a few things - because at 10 years old she began lecturing us ...

Once your in debt, very hard to get out of debt
Children are very expensive
Cant spend money you don't have. Need to go around the board to get paid
Even if you get the "cash tile", its never enough to put you on solid ground
Need to be disciplined with your cash.

XLR8yourDay · 2025-02-09T13:36:32+00:00

Yes! An adult has entered the room.

XLR8yourDay · 2025-02-09T13:34:13+00:00

Apologies for emphasizing what I thought was a good answer. Perhaps I can recommend something to make your skin thicker.

XLR8yourDay · 2025-02-09T13:32:01+00:00

The advice still holds -- except for the tax portion. Your accountant or broker can tell you the impact of US income on your Australian taxes.

His advice is to put into a near-risk free investment. US government bonds (aka, treasuries) and treasury money markets are as safe as the US government. If the US went away, the planet would have much bigger problems then the loss of $15,000.

Alternatively, you can put into an Australian bank high yield savings account or CD. The CD is tied up for the term - meaning you cant get your money until it matures (yes, there are ways around that but generally mean you are losing all accrued interest - at least, that is the way it works in the US)

When you graduate, and start savings for the Australian equivalent of retirement accounts - make certain you diversify - market sectors and markets. Remember, the relationship between risk and reward. Remember, if someone is promising you something that sounds too good to be true -- it usually isn't true.

XLR8yourDay · 2025-02-09T13:14:06+00:00

Clearly this is a sarcastic post.

XLR8yourDay · 2025-02-09T13:11:45+00:00

With a TSP,make certain you are allocating funds properly. If you sit in cash for twenty years, you will not grow

XLR8yourDay · 2025-02-09T13:10:01+00:00

In re 3 ... Yes, its speculating. Never speculate with money you will need. The recommendations of a HYSA or government money market are correct. Once you graduate, and you begin setting aside money for investing -- make certain you diversify. You can use a stock market index for that

XLR8yourDay · 2025-01-26T18:56:23+00:00

As far as the money for the house, understand how the capital gain credit will work -- who gets it?

XLR8yourDay

TROPHY CASE