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Joined 1 year ago
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Cake day: June 29th, 2023

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  • In the US it can even vary by state. Dying without a will or transfer on death assets can be a nightmare for the deceased family. My father died without a will and my mother and I spent a year jumping through hoops and dealing with lawyers trying to get everything straightened out.

    I encourage everyone to take a look at their local laws related to the subject. You may be surprised at how things would work out without some planning on your part.


  • I couldn’t get past the pay wall to read the article buy I don’t put much stock in people trying to forecast the future. They have no clue what the future brings.

    With that said, I don’t think were seeing any more turmoil than at other points in history. If you look back at history there have been major disruptions about every decade (give or take) with more minor static in between. Covid, financial crisis, 911, gulf wars, oil embargo, Vietnam war, Korean war…etc.

    People that thrive over time have their investments diversified and adjust as circumstances dictate. Setting and forgetting may not yield optimal returns but you’d probably do just fine long term. The key phrase is long term. I’m talking 40-50 years not just a few years.








  • That’s common knowledge now but some of us have been around since the beginning of the modern internet when corporate data collection wasn’t even a thing. The privacy invasion was a slow creep that some of didn’t notice until it was too late. The 198 accounts in my password manager are only the last ten years or so of accounts. I’ve been online since the early 90s and can’t begin to remember what services/sites I was using back then that might have survived or been breached.







  • Yep, it’s pretty quiet here. What areas of personal finance interest you most? What sort of conversations are you looking to have?

    I got into the early retirement movement and subsequently optimizing my spending and investing. In general I like to talk about money matters because most people don’t like to discuss money IRL.