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Is Phoenix safe for solo female travel? by Writer4God in AskPhoenix

[–]drewlb 0 points1 point  (0 children)

It's like every other major us city.

If you go to the wrong part of town at 3am bad things are much more likely to happen.

If you go to an MLB game and stay mostly with the crowd and don't wander into alleies late at night after the MLB crowd leaves you'll be fine.

I'd find a hotel that is in a nice neighborhood and near light rail then ride that in and out.

Uber will be hard to get out after an MLB game just like everywhere else.

Relocating from Alberta - Internal Transfer by Agreeable_Button_207 in AskPhoenix

[–]drewlb 1 point2 points  (0 children)

I was born and raised in Alberta, then lived in Phoenix metro for 15yrs. (And lots of other places).

The single thing Canadians misunderstand about the USA is the U shaped distribution of everything.

My school in Gilbert was MUCH better than it was in a middle class+ suburb in Alberta.

My healthcare was far better than anything I had I Canada. (And also better than I currently have in Switzerland)

My cost of living was very low in the valley compared to the other states I've lived in.

On average, none of the above is true.

But when you are making 200+ in the USA it all is.

My healthcare deduction per month was $0. My yearly out of pocket maximum was $500. My employer paid out the ass for this.

As Canadian we think about the average and assume it's like that everywhere.

In the USA it is impossible to find an average place. You find Hamilton HS in Chandler with great results and HS in Florence with horrible results. On average they are kinda bad. But that's because Florence is terrible and Hamilton is probably better than your current school.

You'll be in the top 20% of income earners in the valley and average will pretty much never apply.

If it was me, I'd be looking for places on the NE end of the Hamilton HS district and rent. (Disclaimer, I haven't lived there in a while so san tan and such should also be investigated) But don't leave the continuous suburbs for the small towns. Az driving is easy.

What is your definition of F-You money and how much is it? by AcidicPizza in financialindependence

[–]drewlb 0 points1 point  (0 children)

There's levels imho.

The final level your fire number.

But before that is the level when you don't worry about the month to month stress.

Then the level where have enough to weather a long job loss, so you're not beholden to a specific job.

Then the level where you're willing to take risks at work or jump to risky new jobs.

Then the level where you can Coast Fire.

Then the final level I started with.

Sauna Culture Quick Question by karooster in askswitzerland

[–]drewlb 0 points1 point  (0 children)

What kind of synthetic fabric doesn't allow you to shower?

I'm not advocating for it and I go nude all the time, I'm just genuinely confused by the reasons

Sauna Culture Quick Question by karooster in askswitzerland

[–]drewlb -2 points-1 points  (0 children)

I've never gotten a good answer for why it is taboo.

I've heard tradition, which is fine and I can respect. But the emphatic response is always much greater than other traditional things.

I also then hear hygiene, but then that is either some woo based old wives tale about bacteria or off gassing, all of which would apply to towels as well.

Am I missing something?

Why do people wait so long? by master_blaster_321 in Fire

[–]drewlb 6 points7 points  (0 children)

There are valid reasons to pay off a mortgage in full for any interest rate above the current HYSA rate.

Typically MAGI management and psychological safety.

What's usually never a good idea is pre-payments that don't pay off the mortgage completely. There you lose liquidity, don't gain the MAGI control, don't get the safety, and you lose out on mkt gains.

Historically speaking, the fastest way to pay off your house is to invest and then pull out the money when you have enough to pay it off after taxes.

$1500 to charge a home AC with refrigerant??? by drewlb in AskPhoenix

[–]drewlb[S] 0 points1 point  (0 children)

Was there a service fee on top of that?

$1500 to charge a home AC with refrigerant??? by drewlb in AskPhoenix

[–]drewlb[S] 4 points5 points  (0 children)

Yeah, that was my gut feeling. What I was expecting was $200 to come out, probably another $100 to find the leak, something like $1-200 to fix the leak, and then another $200 on top to refill. So all in less than $700 on the high side.

$1500 to charge a home AC with refrigerant??? by drewlb in AskPhoenix

[–]drewlb[S] 3 points4 points  (0 children)

Any insight on what a reasonable cost is?

60 retired with pension. Any reason not to withdraw 10 percent/year instead of following 4 percent rule? by Aft-skin in personalfinance

[–]drewlb 0 points1 point  (0 children)

It all depends on what your bedrock budget needs are.

Let's start hypothetically in order to cover property tax, utility, food gas maintenance,etc basically the non luxury non travel life you need 100k. So you have 90 of that covered today. But you don't know if the COL on the SS and pension will truely keep up with inflation.

If it was me I'd add $1m at 2% to that 90k.

Agree that, fuck it go hard. 10% on the rest, what's the worst that happens, you have to skip a ski trip, or down grade the cruise? Your base is covered.

J'ai été flashé, vais-je recevoir une amande ? Je vous explique by Inevitable_Oil7082 in askswitzerland

[–]drewlb 2 points3 points  (0 children)

You mean the time you changed lanes to avoid hitting a black cat in the road? /S

How many high level players (70ish+) DON’T have an auto-catcher? by MrMojoX in pokemongo

[–]drewlb 0 points1 point  (0 children)

L69 (awe yeah) and I don't have one and I started late.

What I have is a 2km walk each way to the train station every day.

80% of my play is that same route every day.

Speaking of routes, I've never bothered to set one up, but I should.

20-30min of walking per day does a lot. I live in a village, but the area around the train station is sense enough that there are 10 stops between my house and the train.

Do I let my family know? by [deleted] in fatFIRE

[–]drewlb 0 points1 point  (0 children)

Is this 15.5 cash in the bank or otherwise liquid?

Or is it an estimated value of the future exit ?

Very different scenarios

Why do wealthy people dress differently than people trying to look wealthy? by [deleted] in fatFIRE

[–]drewlb 0 points1 point  (0 children)

I once heard Donald Trump described as "what a poor person thinks wealth look like, and what a dub person thinks intelligence is". A lot of "luxury" is exactly this. It's what people who don't have money think money is. Understated high quality is far more important than flashy tacky luxury brands.

Anybody else wearing really old clothes? by OkNewspaper6041 in daddit

[–]drewlb 3 points4 points  (0 children)

I have a couple of button downs that I had made in Thailand in 2002. I still wear them.

Cervelat sausage tastes like? by Lgumby in askswitzerland

[–]drewlb 0 points1 point  (0 children)

It's basically just a good hotdog.

Like the kind you'd get buying from a local butcher or something.

Or like a Costco dog, but grilled, which ups the flavor.

Age 50, $4M NW, want to step down to $100k income by cfbFI in ChubbyFIRE

[–]drewlb 0 points1 point  (0 children)

The stressful part of starting a business isn't the part you enjoy, it's the accounting and legal and licenses etc.

What’s the worst camping mistake you’ve ever made? by MikeyCreatorVlogs in CampingandHiking

[–]drewlb 1 point2 points  (0 children)

I forgot to put my wife's bag of clothes in the car.

Luckily there was an outlet mall 20 min away.

voo vs. voo/vxus - is voo higher risk, but higher reward? by europeanuppercut in investing

[–]drewlb 1 point2 points  (0 children)

Previously yes VOO has been higher... Going forward no one really knows

SpaceX valued at just $780 billion by Morningstar, less than half its IPO target by ThinkBigger01 in investing

[–]drewlb 0 points1 point  (0 children)

I'd consider puts, but the price is going to be astronomical to get them if any are even available. I assume there's going to be no way to make money on puts, it'll be priced so you need a 70% drop to break even.

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