I recently wrote about my Mother’s Day fiasco with our air conditioner unit so it got me thinking about what it would cost to replace the unit. Our current AC unit is approaching 10 years and that’s about the time it starts failing or need constant repair of some sort. In looking for the latest…
Apple’s WWDC A Big Flop!
I watched Apple’s WWDC and I thought it was a huge flop. The only redeeming part of the program was the “Apple Intelligence” but that’s a huge problem for Apple because they seem to be entirely dependent now on OpenAI and other AI players for “innovation” because Apple has none. The “new” stuff apple debuted…
I’m Buying $30,000 in Municipal Bonds (Taxable Bucket)
As a result of my $15,000 tax debacle I had this year for the 2023 tax year, I decided I needed to do something drastic and sensible so I’m buying $30,000 in municipal bonds to generate tax free income. I already bought $10,000 of ETF NEA which is a municipal bond ETF that is currently…
Pizza For 3, $75!
I work from home and I generally cook most meals after work because the kitchen is just a few feet away. Last my daughter asked why we don’t order pizza any more. I looked at her puzzled. I hadn’t really thought about when the last time it was that we ordered pizza. After starting my…
Thailand & Taxes 2024
In my continuing quest to find a potential expat retirement spot, I came across a recent video on YouTube that has some good sources of data on changes to taxes this year in Thailand. The World Wide Income Tax Bandwagon More and more countries are starting to tax income worldwide even though that particular country…
Banking Diversification & Frozen Funds
If there is ONE single piece of personal financial advice I give to people, it is to never ever keep all your money in one place. I know it’s a hassle to to manage multiple bank accounts but the consequences of keeping all your money in one bank account are too dire and brutal. Yotta…
New Credit Card: $50k Limit!
Shhh….don’t tell Dave Ramsey this but I applied for a new credit card recently because it came with a fairly good sign up promo and when I got the card and setup the app on my iPhone, I was shocked to see it came with a credit line of $50,000! I’ve written about my strategy…
Are You Ready? $512 Billion In Unrealized Losses!
Back in September of 2023, I wrote a post titled, “How To Prepare for a Recession” and it may have been very timely because it’s entirely possible by September of this year we will be in a recession. I followed up that post with another one a couple of weeks after titled, “It Feels Like…
ZepBound: My Health Journey May Edition
I’ve been reading about how these GLP-1 drugs change people’s personality and I have been thinking about that a great deal because to some extent my personality has changed. But before we get to that I want to tell you that while taking this medicine has been great, hunting for it has not. Express Scripts…
Climate Change & Personal Finance: Hoax or Harbinger?
It’s an election cycle year so I’m seeing all sorts of the usual debates on various media platforms about climate change and whether it’s a hoax or harbinger of more things to come. I honestly don’t know the answer but I do have 27 years experience and obervations. Same House 27 Years I bought my…