January 18, 2018

Just a little (link) love: families! Edition

YOUR DEBT IS NOT SLAVERY, SO STOP SAYING IT IS. This should go without saying but it really doesn’t.

I don’t usually eat cookie dough but this log is calling my name. Salted Butter Chocolate Chunk Shortbread, come be mine!

Are you a boring investor? Liz at Chief Mom Officer is and she’s not wrong.

How to write a condolence note. I wish I’d read this a long time ago.

And linked to Nina Kalanithi, can I just saw how weird it feels whenever I see unexpected  dotted lines like when a blogger I read for a long time turns out to be related to someone I’ve known for a long time. I read an excerpt of A Breath of Air a long while ago and always intended to finish reading it. I’ve read Jo of A Cup of Jo for years, on and off, and had completely missed that Nina was Jo’s sister.

I love Tawcan’s Dividend City. I had the “buy what you love” philosophy in mind but definitely didn’t think it through this way! I think this analogy makes so much sense. Now we just have to build an ethical Dividend City. Unless I chuck it all for ETFs.

The Skype sex scam – I had no idea this was a thing but it’s disgusting and worrisome. We live so much of our lives online, and I feel the tremendous weight of the responsibility of teaching JB to protect zirself from falling for any of hundreds, or thousands, of scams online. Related scams discussion.

Families!

January 17, 2018

My kid and notes from Year 2.10

My kid in year 2.10

I’m Awake!

JB’s zir ability to go from deep sleep to wide awake in 0.7 seconds is fascinating. We never wake the baby if we can help it but, and this is a problem I sure wish we had in infancy, sometimes ze sleeps in so late that we have to.  I try gentle tactics first, out of habit: tickling zir face with hair, calling zir name quietly, slow back pats. When nothing works, I give up and try to get zir dressed as ze sleeps. Right about then, ze pops straight up asking: What you doin??

When ze wakes on zir own, zir brain goes into gear. It’s not clear if ze just starts thinking immediately or if this is a remnant of a dream:

– Daddy! DADDDDYYYYY! May I p’ay (play)?
– Is it my birfday? (No, not for 6 more months)
– Where is Uncle’s doggy? (We haven’t seen him in 6 months)
– I’m an elephant!
– May I have Allouette?

I almost envy zir – I take 15 minutes of grogginess, if not grumpiness, to become conscious.
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January 15, 2018

Cutting off my father: update 2

Quick recapIt was time to cut off my father who I’ve supported for nearly 20 years. I grieved, then started the process.

For several days, I ignored that manipulative email convincing me to keep helping. After closing my bank account that he had deposit-access to, so that he can’t deposit any cash in an attempt to twist my arm into writing more checks for him, I found calmness in my soul again.

With that protection, I responded to that email with a faux-contrite decline to provide further funds saying that I couldn’t come up with anything extra.

That’s not precisely true, when I have to, I can usually find a way to scrape money together but I’m simply not willing to take a second job to support him again. I phrased that as “I can’t”.

We are truthfully groaning under the weight of our current obligations: a five digit annual bill for property tax, a five digit annual bill for daycare with two increases expected this year, a merely terrifying mortgage, and corresponding insurances but all that aside, he doesn’t need, or get, to know the true state of our finances when he doesn’t care about our well-being. In a world where my Dad loved me, he would have expressed concern for us when I described our faux financial distress even if there was nothing he could do about it. In reality, he didn’t reply for weeks.

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January 11, 2018

Just a little (link) love: Wonder Woman w/Mikey edition

Scott talks about his first six months of parenthood.

The Mad Fientist has some useful info on the new tax laws and what’s changed, or not.

Tenacious Feminist tries a different tack. How about saying it’s not all about you, all the time, dudes.

Kiwi and Kewenaw aren’t wrong about focusing on just 1 thing. I don’t do this at all but they aren’t wrong.

Money Beagle with a tragic and important reminder: don’t get out of your car post-accident

This is wonderful: CM Partners has made a simple yet bold commitment to changing the culture in Hollywood. The agency has pledged to reach 50-50 gender parity by the year 2020, with an emphasis on the leadership ranks.

Cross-device tracking technologies: yet another invasion of our privacy. They say “The only factor that hinders the receipt of an audio beacon by a device is distance and there is no way for the user to opt-out of this form of cross-device tracking.” I wonder if that still applies if the audio is turned off. I switch my volume on my computer off when ads play. Maybe I’ll have to turn my phone off as well… must look into this further because I refuse to be this easily tracked without doing something to thwart it.

Invisible stripes: “Each one of us started out as a single cell, and then a little glob of cells. As the cells divided, they differentiated. Some became muscles, others bones, still others organs. And some became skin. As those skin cells continued dividing, they expanded and stretched to cover a quickly growing body. One cell line pushed and swirled through another like steamed milk poured into an espresso to make a latte.”

I loved loved loved Wonder Woman

January 10, 2018

A smattering of numbers

Like Military Dollar, sometimes I have a collection of thoughts that aren’t full-post worthy.

I scored 10 out of 15 on J. Money’s 15 things to do to be above average. That’s a failing grade by normal standards, but I don’t feel bad about it.

  • Build a starter emergency fund of $1,000: 1 point.
  • Organize your important financial information in a binder or eFile: 0.5 point, this is mostly done but needs more organization.
  • Develop a monthly budget habit: 0 point, we track spending but stopped budgeting traditionally.
  • Pay off all of your debts: negative points! well, 0. Damn you, new mortgage!
  • Build a mid-level emergency fund of $10,000: 1 point. I require at least a year of liquid reserves.
  • Be aware of your credit score: 1 point, I don’t check this regularly but we just applied for a mortgage so we’re in the 800s.
  • Earn extra income: 1 point, I do a bit extra but I don’t necessarily agree this should be on the list. Sometimes your primary incomes are just fine.
  • Read the top personal finance books: 0, I don’t read PF books, I read blogs.
  • Automate your savings: 1 point, YES! I DO THIS.
  • Automate your bills: 1/2 point, I automate the ones that make sense.
  • Automate investing: 1 point, retirement and 529 investing is automated, brokerage investing takes more work.
  • Write a 5 year financial plan: 0 point right now, I used to do 5 year plans but I need a new financial plan with details!
  • Start maxing out your retirement account every year: 1 point, I finally got this together.
  • Complete your emergency fund so you have at least 6 months’ expenses saved: 1 point, yes, as above, we need a year for me not to grow Baby Ulcer.

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January 8, 2018

2018: New year, new plans

I broke this out of my 2017 year end review because it was too unwieldy. Besides, fresh new goals deserve their own post. Correction – some are goals, some are just habits to build.

At first, I thought my trouble setting goals this year was because I don’t know exactly what I want next for our family and that makes it hard to plan for the next 1-3 years. That’s true. But there’s another aspect to it. I’m instinctively doing something sensible.

Being laser focused on one thing, wealth building, is a good Right Now habit. It’s that habit that gets me to the goal. But it doesn’t prepare me for achieving success in the big picture. Like coming into money when you’ve not had any before and haven’t had time to build good money management habits retirement, whenever it happens, is a huge transition.

On the micro scale, obsessing about money when you’re making it is easy, replacing that obsession when you’re retired and only spending or managing it is likely much harder. On the macro scale, I’m starting to envision the person I want to be in ten years. I want to be someone who has the time and energy to go on adventures, someone who explores the world a bit and then comes back to her books and little gardens at home, who doesn’t have to work for income and can relax with her family at home most days and entertain herself doing volunteer work. I want my family to have the best shot at education and opportunities they can handle, and the confidence and support to go for them.

To become that person, I’ve got to start working on improving our health and fitness (for PiC and me anyway, we’re Old), improving our finances, researching soil pH and garden planning.

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January 4, 2018

Just a little (link) love: Christmas puppy edition

Who you sit near matters – bad or good

Felicity funded their Donor Advised Fund (DAF) and talks details.

Mostly military but not all: Predictions for 2018

SP says the FIRE community doesn’t feel like my community and I mostly agree with her. I don’t feel like our family fits the FIRE mold, such as it is.

I knew it I knew it I knew it!: Ad targeters are pulling data from your browser’s password manager

I tried to leave a comment on Four Pillar Freedom’s post about meaningful lives but it rejected me so here are my thoughts: I loved that documentary as well, though as a small person with a big appetite, I slightly took exception to the idea I’d be served a smaller portion since I can eat as fast as my bigger dining companions. I hope that if we ever had the pleasure of dining at Jiro’s, he’d notice and adjust accordingly. 😉

As a longtime money blogger, I’ve noticed the trend of romanticizing the digital nomad life. I think it works wonderfully for Michelle from Sense of Cents who works from an RV, who has also had resounding success with her money blog, but the most important component of building a successful life is to know yourself. I love the digital part of her life, and have made that happen in my life, but I’m not built to be a nomad so I’ve instead built a home base that I love working from and living in. I enjoy short stints on the road but not much more than that!

What a Christmas surprise!

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