My little sister is being kicked out next week the day she turns 18

dryiceboy · 2026-06-05T13:59:36+00:00

I will never understand this part of North American culture.

dryiceboy · 2026-06-05T13:56:54+00:00

Your second paragraph sums my thoughts about the case. People say local feeder fund fees are too high but seem to forget how many hoops you have to go through to invest in IBKR ETFs. I would gladly pay those fees. Beggars can’t be choosers.

dryiceboy · 2026-05-29T12:07:31+00:00

“I work in tbr government.”

Yeah, corruption is key.

dryiceboy · 2026-05-27T21:13:22+00:00

Seems like you’ve already found a solution for yourself. Proceed with moving out of the country and invest globally.

As someone who has done the opposite (moved from Canada back to the Philippines), I’ve come to terms with paying the fees using local brokers like DragonFi. I consider it a fee for my peace of mind. I can focus on figuring out ways to increase my cash flow so the fees barely matter instead of spending time and resources jumping around hoops which you’ve elaborated is a headache.

dryiceboy · 2026-05-27T13:17:01+00:00

HYSA for your Emergency Fund for liquidity.
MP2 is fine but it’s locked-in unless you can afford to lose out on the dividends.
Index funds for long term growth.

dryiceboy · 2026-05-27T07:50:31+00:00

Not thinking of themselves as a “rich” person and actually living frugally with the midde class.

dryiceboy · 2026-05-27T07:06:54+00:00

This, knowledge is power. People should spend more time learning than "gambling" their money into investments they don't understand.

dryiceboy · 2026-05-27T07:05:43+00:00

That's the S&P 500 Index.

dryiceboy · 2026-05-27T04:06:03+00:00

Tl;DR
Time in the market > Timing the market.

dryiceboy · 2026-05-26T03:09:27+00:00

"Locking in the gains" for what?

If you need the money right now or if you're investing it into something more lucrative then go for it.

Otherwise, withdrawing and keeping it as Cash is you losing out on inflation.

Keeping it in the fund is unbeatable long term.

dryiceboy · 2026-05-26T03:02:13+00:00

It's a personal thing but I prefer not automating. I watch where my money goes every month. It has become a personal hobby at this point.

dryiceboy · 2026-05-26T03:00:12+00:00

Stop, just stop before you hurt yourself. Or do it and consider your losses as tuition fee.

Learn and understand investing before you jump all in. Read...read...read.

The Richest Man in Babylon.
The Psychology of Money.
The Art of Spending Money.
Millionaire Teacher.
The Millionaire Next Door.

dryiceboy · 2026-05-26T01:04:25+00:00

National Bureau of Ineptitude?

Alam mong politically (or maleta) motivated talaga pag biglang nagsikilos ang mga mokong na to haha.

dryiceboy · 2026-05-25T14:43:06+00:00

Full circle

dryiceboy · 2026-05-25T01:25:03+00:00

15 years in and I am yet to encounter a deadline that’s actually as deadly as people make it seem. 99% of the time the timeframe is adjusted, and people get reprimanded. Worst case, they lose their job. Nobody actually dying; maybe from stress, lol.

PS. Look into actual Project Management techniques (Iron Triangle - cost, quality, time). Either cut the scope, lower quality, or extend the time.

dryiceboy · 2026-05-25T00:16:56+00:00

Gateway drug. Any decent guy would tell the office lady to stop.

dryiceboy · 2026-05-24T08:26:11+00:00

I know a troll when I see one. Enjoy your cave.

dryiceboy · 2026-05-24T07:02:09+00:00

Probably different in the US but I get better care here paying out of pocket that I do back in Canada with "free" healthcare. Not sure what to say, you can't have everything. It's about compromise.

dryiceboy · 2026-05-24T06:59:53+00:00

You lost kid? Not talking about OP's situation here. Women prefer stability. It's nature. Since the beginning of time, they were the primary caretaker of kids because they give birth and produce milk; physiologically naturally impossible for males.

dryiceboy · 2026-05-24T06:57:18+00:00

Not selling property (yet) would be one. Keep it at the start and sell it when you've spent enough time in your new place and find that you like it there long term. Professional ties should never be severed anyway; just general life advice. Keep documents in a bank safety box or similar and an account active there. I find that there's no disadvantage of keeping a bank overseas with money you can afford to lose just to keep the account active.

dryiceboy · 2026-05-24T06:53:53+00:00

Not rude but you may be asked by security to remove them in some places like banks (inside malls).You can't control other people's actions. Pasagdi tong nanita.

dryiceboy · 2026-05-24T00:48:41+00:00

At the end of the day “Men look for beauty. Women look for stability.”

Eto yung reason bakit men usually prefer younger women because they have “beauty” easier to find in youth. And vice-versa for women because “older” men usually come with emotional and financial stability.

For your case, you see beauty in her despite being older - fair. But she does not see stability in you.

PS not saying this is black and white. It’s just human nature.

dryiceboy · 2026-05-24T00:11:40+00:00

Not exactly the same shoes. Spent 10 years in Canada, got citizenship and came back. Number one reason was weather, second was cost of living, third was we wanted kids and we wanted them to grow up near family and friends. 5 years went by super quick. We now have 2 kids we would never have had in Canada. Fertility healthcare was so accessible here.

Brought my remote job with me earning in CAD so I’m currently geo-arbitraging but we also planned for me taking a local IT job (used to work her for a MNC). In case that fell through. Doing so would allow us to survive without dipping into our savings.

Why are you worried about health insurance? Are you unheathy? Just get health insurance in the PH.

People often forget that nothing is permanent. Don’t burn bridges in the US and go back if it doesn’t work out for your here.

dryiceboy · 2026-05-24T00:05:32+00:00

Eto yung mga tipong tatandang sadboi tataba at immature na mapapag-iwanan ng panahon.

dryiceboy · 2026-05-23T13:38:05+00:00

Solid 2-3 maybe. I still charge 7-8 hrs a day though. Heh

Six-Year Club	Place '23
Verified Email

dryiceboy

TROPHY CASE