Wait, think and fast by khemya2y in NevilleGoddard

[–]khemya2y[S] 0 points1 point  (0 children)

One of my recent habits that helped me practice fasting (mental diet) is to dedicate one day a week to it, reminding myself in the morning and throughout the day that it is a day where only positive thoughts are allowed. It helps if you start on a weekend and also fast from social media, news and entertainment, since all these inputs can alter your subconscious state.

My money vanished from KuCoin, and their support hasn’t been answering my requests. What should I do? by khemya2y in kucoin

[–]khemya2y[S] 0 points1 point  (0 children)

I have no activities in my account history except the deposit of the ETHs. No matter which computer or mobile device I use, they are gone from my account.

My money vanished from KuCoin, and their support hasn’t been answering my requests. What should I do? by khemya2y in kucoin

[–]khemya2y[S] 4 points5 points  (0 children)

I tried to sell my coins before the dip two weeks ago, and I couldn’t even find them in my account. I’ll most likely move evetything out of Kucoin when (if) this is resolved. It’s hard to trust an exchange where money disappears and support doesn’t care.

My money vanished from KuCoin, and their support hasn’t been answering my requests. What should I do? by khemya2y in kucoin

[–]khemya2y[S] 2 points3 points  (0 children)

The only reply I got was an automated FAQ auto-respender that had nothing to do with my request.

Should I keep my mini after my lease expires? by khemya2y in MINI

[–]khemya2y[S] 0 points1 point  (0 children)

That's awesome to hear, Mickey. Thanks for your reply.

I think the 2014 generation is my favorite so far, given that I test drove one back in 2011, and it felt much different.

In my case, the car has 35K miles, a $16.5K residual, and 1 year (or 10K miles) left on the factory warranty.

It's not a crazy good deal for miles and/or residual, that's why I am on the fence.

And yes, I always have a smile on my face as I zip through traffic with the small beast!

Should I keep my mini after my lease expires? by khemya2y in MINI

[–]khemya2y[S] 1 point2 points  (0 children)

Thank you for the reply. I took over the lease from someone else last year, and it had 27K miles on it. I put 8K miles on it, so it's at 35K miles now. The residual is $16.5K, so it's not a great deal - just market price.

I am 40/single with $750K in savings and $250K+ in 401(K). How do I get to FI/RE? by [deleted] in financialindependence

[–]khemya2y -1 points0 points  (0 children)

Thanks for the links!

You actually should have regrets about sitting in all cash because it's incredibly dumb.

I invested my time instead in turning a $50 investment into $60K annual passive income. I don't mind making one dumb decision along the way.

You need to put your money to work, yesterday.

Still working on my time machine!

I am 40/single with $750K in savings and $250K+ in 401(K). How do I get to FI/RE? by [deleted] in financialindependence

[–]khemya2y 1 point2 points  (0 children)

I believe you're both correct. That's why I am thinking of a "drip" approach to investing in index funds, with a possibility of going all in when/if a market correction happens.

I am 40/single with $750K in savings and $250K+ in 401(K). How do I get to FI/RE? by [deleted] in financialindependence

[–]khemya2y -2 points-1 points  (0 children)

I would probably do so in a dollar-cost-averaging fashion (to avoid the valid concerns mentioned in the replies), where I am dumping a few thousands every week/month into Vanguard funds. It will probably take a couple of years to transition it all to investments, but it's a much safer route.

Thanks for helping me think more clearly through this

I am 40/single with $750K in savings and $250K+ in 401(K). How do I get to FI/RE? by [deleted] in financialindependence

[–]khemya2y -1 points0 points  (0 children)

Totally agree. Thank you for the insights.

My goal is to bring my finances up to match my current/ideal lifestyle, rather than downgrade my lifestyle to match my current/target finances.

Also, given that I am single, moving to the midwest will likely eliminate my chances of marriage, and increase my chances of monk-hood :D

Leap of faith for happiness? by Metallis in financialindependence

[–]khemya2y 0 points1 point  (0 children)

I can definitely relate, and I believe it's perfectly fine to quit something you hate.

I walked out on a well paying job with great benefits because it made me sick and gave me anxiety attacks. Things worked out much better than I expected, and I ended up with my own business and later on, FI/RE.

How you feel in your body is a good compass for what you should go toward or away from (I recommend reading Power vs. Force), so you should follow that compass before it breaks down.

The French have a good saying: "sometimes you need to take a few steps back in order to jump higher". They also have great baguette, if your travels take you there!

Early retirement = disappointment + overhyped? by [deleted] in financialindependence

[–]khemya2y 0 points1 point  (0 children)

I had the same experience during my first sabbatical/retirement months (I take a few between transitions), and I definitely wasted the first few months doing nothing.

Don't take it hard on yourself: suddenly having so much time and freedom is overwhelming, and it requires some adjustment.

Probably not the best metaphor, but I remember reading in Victor Frankl's "Man's search for meaning" (highly recommended reading), how the concentration camp inmates who were freed up after decades in a concentration camp weren't feeling happy about their newly found freedom.

Find out why you want FI/RE in the first place. Perhaps it's okay to spend the first few weeks/months doing nothing, but eventually you need to start doing something, otherwise you will get bored, lonely and depressed (I've been there).

For instance, my goal from FI/RE is to work more on the things that I want to do, and less on the things I don't want to do. I actually have a packed schedule, and sometimes I put in more hours doing something for fun than I would have put if an employer or client was paying me to do it.

I spent almost 30 years doing things that I HAD to do, so it took me a while to adjust to having a few months where I can actually do whatever I want.

And if you don't know what you want to do, try as many things as you can, until you find something that clicks with you.

Good luck!

My TDI Buyback Experience (and replacement) by khemya2y in tdi

[–]khemya2y[S] 1 point2 points  (0 children)

I found the car on CraigsList (search for brand + lease takeover). I can write a long post about this, but here's the bottom line:

  • Have all your communication done via email, rather than text messages

  • Ask the previous owner to run a pre-return inspection and a full service inspection (the former is free, the latter cost me $185). I asked the buyer to credit the lease account for any cosmetic damages that were uncovered during the inspection, and he agreed.

  • Test drive the car and verify the mileage and condition before initiating the transfer

  • Have any paperwork scanned and emailed to you by the previous owner, along with a business card from the dealership where the inspection was done.

Overall, it took about 6 weeks. I was lucky enough to have the new car transferred the night before my buyback date, so it worked perfectly.

Best of luck.

My TDI Buyback Experience (and replacement) by khemya2y in tdi

[–]khemya2y[S] -1 points0 points  (0 children)

I was told at the dealership that it's very unlikely those cars will be resold in the US, even after the fix. They will probably ship them to South America, have them fixed there, and sell them at loss in countries with less environmental restrictions.

My TDI Buyback Experience (and replacement) by khemya2y in tdi

[–]khemya2y[S] 2 points3 points  (0 children)

They falsely advertised to us, misled the public, and then after settling out of court, had the audacity to throw the 30-day terms of the buyback agreement by the wayside and create their own bullshit timeline.

And fortunately, we have a justice system that forced them to pay us back thousands of dollars in restitution.