Thanks. As I'm learning more about this, it looks like VPS is what I need. I think I'm going to give Hostinger a shot.
OpticalMoose
joined 2 years ago
I really hope those patches make their way into the other distros. I've got a few Linux machines and the Steam Deck is the only one that wakes from sleep without locking up. It's also the only one that allocates VRAM for the iGPU automatically when a game needs more.
Sounds like a good deal. I'm pretty sure I don't have the discipline to work from home - too many distractions. I think eventually companies will come around to the idea of it. Right now they look at an empty cubicle and think "I'm paying for that space, someone needs to be in it."
Prove you are cat: Select all things that can be pushed off a table.
After years of making extra payments and trying to get out of debt, it's tough to get used to the idea of carrying debt again.
So, long story short, my siblings and I inherited my parents' house, and I took on the job of paying off the solar panels. I didn't have enough to pay the balance in full (maybe half) so I just paid extra principal every month. Anyway, several years later, it finally dawned on me that the money I had invested had grown to more than the balance on the loan. The loan was only at 4% which would be a steal in today's economy, but I was so debt averse that I was paying extra on it instead of investing that money.
So now I just pay the bare minimum on it. Heck, even a money market would give me a better return.
Reminds me of an old commercial I saw. https://www.youtube.com/watch?v=w1gMkw6WDXE
To be clear, I DON'T advise anyone leaving their money in a bank, there are way better places to put it. Stocks, real estate or whatever, I just hate when people put their money away and have no idea what it's doing.
I just came across an alarming statistic: 1 in 4 Americans don't know how much they have saved for retirement.
Just last week I was talking to my sister-in-law. She's a teacher and contributes to a 403b, but doesn't know what's in it. I have more research to do, but I'm pretty sure there's an account somewhere she can log into and see what's going on. It would suck to reach 65 and learn that you've been invested in treasury bonds for the last 40 years.
I get the feeling that people think late 40's-early 50's is the time to start planning for retirement. I've been talking to my nieces and nephews about opening IRAs and I just get that deer-in-the-headlights look from them.
It's a great milestone. I wish I'd started tracking my net worth back when I was young. I don't even remember the first year my portfolio made more than I made in earned income.
I'm trying to convince my nieces and nephews to save and invest, but they think it's hopeless because they're starting out with nothing. I started out with a negative net worth (student loans + brand new vehicle).
Monty Brewster approves.
With index funds you should be ok. Only thing I'd say is make sure they're the right funds for you(and your risk tolerance).
Just some anecdotal data, it can definitely start before 50. My brother was in his late 40s when he started showing changes (not necessarily symptoms). He was 48 when he quit working (I think he was actually fired). My sister is older, but appears to be in the early stages (not remembering things from earlier in the same conversation, needs help making decisions). I'm 50 and starting to have memory lapses.
Definitely don't wait until 50 to look for symptoms.
I hit my all time high when semiconductor stocks peaked a few weeks ago, and they've pulled back since then. But Q1 earnings season is coming up in a few weeks, so the roller coaster continues.
I've been out of work for the better part of a decade, caring for family members with dementia, but I'm looking forward to going back to work soon, just for a change of pace. It did give me a chance to do a test run of my FIRE plan - I've been living off my pension, and was able to work occasionally and still contribute to my Roth.
Hopefully I'll be able to upgrade to a better house before I retire. I'm seeing lots of new homes in my city, but it'll be a while before prices actually start coming down.