"Me. I have about a third of my cash in short duration T bills."
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Almost the same here. I'd say I have about a quarter of cash in T Bills.
That site (treasurydirect.gov/) is almost comical in design. It's a pain to navigate, but it gets the job done.
Got a few myself. Hoping they are as safe as I think they are lol
'You can get maturity dates of 4, 8, 13, 17, 26 or 52 weeks if you want to limit tying up money for that long. The sweet spot interest rate wise seems to be 13 or 17 week maturities.'
Me. I have about a third of my cash in short duration T bills.
Just for ha-ha's, I was wondering if anyone else is looking at/buying treasury-bills? Rates of return have been 5%+ for a while and I can't imagine an investment gets much safer than this.
Never bought them but considering it. You can get maturity dates of 4, 8, 13, 17, 26 or 52 weeks if you want to limit tying up money for that long. The sweet spot interest rate wise seems to be 13 or 17 week maturities.
correction!!!!!! lobsters at Market basket are $6.99 sorry for any inconvience LOL
"And what insurance plan is that TBR?"
I have Kaiser Healthplans.
lobsters at NB are 5.99
"There is a lesser quality beer than Natty Light?"
Yes there is. Not sure if they still make it, but it is called Red, White, and Blue. It tastes like it was canned in steel cans, rusty ones.
I used to think I could drink just about any beer, but found I was wrong. This stuff makes Natty Light seem like premium beer.
"There is a lesser quality beer than Natty Light?"
No, but they say after the first twelve it starts to taste pretty good.
"I live in a town with approx 4K people. Been here my entire life and will die here."
I don't know what to say. So, I will be nice.
And what insurance plan is that TBR?
All I can say is I’m glad my original plan didn’t work out. Life truly is a map and a compass and no fear of getting lost. I’m on my 3rd retirement (mostly) I could have never imagined the opportunities that were presented to me in life and the rewards they have provided for myself and my family and for generations to come. My only hope is that those who take over my chair realize the life we have built and don’t worship it but enjoy it..
"Going to a lesser quality beer than I'm accustomed to would be hard though!"
There is a lesser quality beer than Natty Light?
I dont believe it.
Going back to the "where you live" issue. I myself have a different perspective than some. (although I believe a few do agree)
I live in a town with approx 4K people. Been here my entire life and will die here. If I was forced to move due to some crazy Chernobyl type scenario. I wouldn't give a thought to the jobs situation. I could very happily live in a shack with an outhouse or a mansion with a ferrari if I liked the people and the area. Now I'm 99% certain a shack would be my future but I'm just very content with a low grade life if I found another area that gave me what I want. I can adapt my lifestyle to fit.
Going to a lesser quality beer than I'm accustomed to would be hard though!
@Tbr , not being snarky ….Take care of yourself.
"My heath care is stellar."
My kid has a tech job within a university. She could get paid more in the corporate world, but she couldn't, within a year of starting, have more than four weeks of vacation per year, excellent and flexible healthcare benefits, and a transferrable retirement plan.
I'm working on a business plan for an organization that will eventually be looking for a grant writer. The first thing we did was agree the position could be 100% work from home and the second was to identify how we could best reach candidates from all over the country.
<---- jealous. Good for you tbr.
My heath care is stellar.
The only thing I pay for is copay for medicine. No premium, no deductible, the only other copay is $50 for the ER if I don't get admitted.
And the prescription copay is pretty laughable. $10 for a $500 box of insulin. $10 for a $1,200 pen of Ozempic.
economy is terrible hope it gets better soon
"When I started working for the state, he retirement plan was 2 at 55 (2% of your annual salary times years of service eligible to start collecting at 55)."
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I'm unsure how it was done, but our Agency negotiated 2.7 @ 55 with lifetime medical years ago. Apparently, that was not sustainable so the percentage went down to 2 @ 62. When I left there were 3 tiers with terrible benefits. It's crazy now.
EA - " If I can let you work from home, then why do I need to pay your wage?"
Because I have a niche, hard-to-find skill, but Yes, it does mean there is more competition for work-from-home jobs.
@Mayhem
I have mentioned to friends that the WFH situation is a double edged sword. Businesses will eventually figure it out. Some already have. If I can let you work from home, then why do I need to pay your wage? The world is now my employment pool.
My ex's BIL got new vehicle's every year- last year he got 2.
After owning it for only 3 months he sold his new Rivian (that he waited a year for) and got a new Tahoe. Turns out there wasn't a convenient charging station in Nowheresville, ND.
"... driving a new car every year end up broke."
It's crazy what people spend just to drive around.
We have five cars... but if you added up all the money we have invested in them it wouldn't buy one new Kia.
"... we have just lived a fairly humble lifestyle within our means."
That's how janitors become millionaires while many people with really well paying jobs (and a large inheritance) drinking Starbucks coffee, buying new clothes weekly and driving a new car every year end up broke.
The 1st million was the hardest but we still don't drink Starbucks, haven't bought a vehicle (used) for 5 years and the last clothes I bought (let's leave Mrs. G out of this part) were 2 pairs of jeans last November.
I'm thinking about investing in a new 6 pack of underbritches though. Hope the market is down...
