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What… the hell. I will be happy about reaching a $750k net worth later. The shock is overriding everything else right now. Usually, I notice way ahead of time when I’m about to hit a new net worth milestone and start writing up blurbs to add to a future article. This one snuck up on me, big time. I am writing this in my Airbnb in Romania after spending the day exploring Calea Victoriei. It […]
I can’t believe it… It’s been 10 years since I left my job! What a wild ride it’s been. I’m more content with my life/finances than I’ve ever been before, but I’m also more unsure about what the future holds. I explain everything in today’s short podcast episode, so hope you enjoy it 🙂 Listen Now https://traffic.libsyn.com/secure/madfientist/decade-of-freedom.mp3 Listen on Spotify or Apple Podcasts Download MP3 by right-clicking here Highlights How AI affects FIRE My thoughts […]
I burst into tears in my accountant’s office at 23. I was filling out a loan application to pay a $5,000 tax bill I hadn’t saved for, and it was the first time I’d ever seen my whole financial mess written down in one place. Credit card debt, store cards, a personal loan, and nothing … Read more
5 common questions retirees ask financial advisers
A couple weeks ago, we flew from Baltimore to Reno for a family vacation in nearby Lake Tahoe. I try to avoid connections but we didn’t have a choice on this one, we had to go through Denver. As you can imagine, the (im)perfect storm hit. There was weather in Boston so our plane arrived late and we missed our connection. We were then scheduled on a flight to Las Vegas that would then go to Reno, a dreaded two connection flight. But, as it turns out, there were thunderstorms in Denver too. They were on a ground delay and we opted to stay the night and fly directly to Reno the next morning. And in all that delay, we we expected and were owed nothing because they were due to weather. But what I overheard in the next gate was incredible. They had overbooked the flight and needed NINE volunteers. They asked for volunteers and the last offer was for $2,400 in flight credits per person. The best part is you’d still get to their destination, just six hours later at around 4pm. I knew that if you got bumped from a flight, the airline was supposed to compensate you. But until I heard the gate agent say “two thousand four hundred dollars” – I had no idea how much they had to compensate you. And what’s wild is that they were offering, in credit, more than what they would’ve been legally required to. Here’s what you need to know if you’re ever bumped: Quick Answer: If you are involuntarily bumped from an oversold flight, you could get up to $2,150 in cash compensation under U.S. Department of Transportation rules. The amount depends on how much later you’d arrive at your final destination and how much you paid for your one-way ticket. Table of Contents🟢 Voluntary Bumping🔴 Involuntary BumpingFirst, Do You Qualify?How Much Can You Get?How Do They Pay You?🟡 Not Bumped But DelayedYou Need to Know The Rules 🟢 Voluntary Bumping If an airline overbooks a flight and asks for volunteers, it’s because they want to avoid paying out the federal guidelines of 200% or 400% of the original flight’s price. If you accept their offer, you’re considered a volunteer and those rules don’t apply. The offers typically come with airline vouchers, meals, hotel vouchers, etc. They typically won’t offer cash though. If they ask once, chances are they will ask again. If you have flexible travel plans, you can usually get a pretty hefty payoff if you wait and others don’t jump at the chance. It’s a bit of a prisoner’s dilemma, except if you “lose” you still get to your destination on time. 🤣 Airlines prefer volunteers because it’s better to bribe someone than kick them off a flight and pay them off afterwards. 🔴 Involuntary Bumping If you don’t take the bribe and the airline has to bump you, you’re entitled to compensation and this compensation has to meet federal guidelines. First, Do You Qualify?
Below, find a Dividend Income Calculator that projects the dividend income on a US-listed stock, ETF, or mutual fund. Model reinvestment or cash payouts, monthly contributions, estimated dividend taxes and inflation, and set a monthly income goal for that security to project a target date. Dividend income calculator Interactive Content Here: Visit on DQYDJ to view. Using the calculator Enter a stock, ETF, CEF, ADR, or mutual fund ticker and the parameters of your scenario, […]
This is not personalized financial advice, nor is it a get-rick-quick scheme. It’s a roadmap. If you follow these steps and stay consistent, then you’ll create a cash machine that can supplement and/or eventually replace your paycheque. The more money you invest on the front end, the sooner you’ll be able to support your lifestyle … Continue reading “Build a reliable cash machine.” The post Build a reliable cash machine. appeared first on Millionaire on […]
Best Car Insurance Companies in Wyoming Insurance Company Overall Rating Best For Notes State Farm 4.5/5 Overall Coverage Excellent overall value Liberty Mutual 4.2/5 Multi-Policy Discounts Affordable coverage options USAA 4.8/5 Military Members Outstanding customer service American Family 4.1/5 Customizable Coverage Popular statewide insurer Farmers 4.3/5 Family Policies Great family benefits Factors to Consider When Choosing the Best Car Insurance Company in Wyoming Comparison Factor Importance Example Notes Pricing High Monthly Premium Compare multiple quotes […]
Factors That Affect Cheap Car Insurance Rates in Wyoming Rating Factor Cost Impact Example Notes Driving History High Multiple accidents Driving history counts Credit Score Medium Low score penalty Credit may affect Location Varies Urban vs. rural ZIP code matters Vehicle Type High Luxury versus economy Vehicle value impacts Age of Driver Medium Young vs. mature Age impacts rates Cheapest Car Insurance Companies in Wyoming Insurance Company Average Monthly Rate Best For Notes USAA $52 […]
Best Car Insurance Companies in Wisconsin Insurance Company Overall Rating Best For Notes State Farm 4.7/5 Affordable coverage Popular statewide insurer Allstate 4.5/5 Customer satisfaction Outstanding customer service USAA 4.8/5 Military families Top-rated insurance company Farmers 4.2/5 Bundling options Excellent overall value Nationwide 4.6/5 Flexible policies Great for young drivers Factors to Consider When Choosing the Best Car Insurance Company in Wisconsin Comparison Factor Importance Example Notes Financial Stability High AM Best Rating Review customer […]
[Sorry for the delay in posts, I’ve been really busy lately with my wife on travel, though you’d be excused if you thought I was doing a victory dance about about the SpaceX IPO.] If you’ve read my monthly updates, you might have noticed that I have been writing more about AI as my main hobby. I use it to do all kinds of side projects. Some side projects don’t see the light of day. […]
Human services careers can be a little like being part coach, part problem-solver, and part calm person in the storm. If you want work that helps people and still pays the bills, this field is worth a closer look. Some roles start modestly, but others offer solid income as you gain training and experience. The trick is knowing where the better-paying paths are and what daily life in those jobs actually feels like before you […]
When people hear I grew up poor in rural China, they usually imagine everything I lacked. The tiny shack shared by three generations. The lack of safe, drinkable water. The constant worry about money. Those things were real. But there was something I had growing up that has become surprisingly difficult to find in modern life. A village. When my mom injured her back so badly she could barely walk, a neighbor carried her to […]