stonerolledaway

Electric during the week and classic double edge on weekend.
Barber had a Wahl Finale so I went to sally and got one. Both took some getting used to. the key is to listen to sound which tells when you hitting the right angle with the double edge and when the finale is no longer cutting much with each pass. The electric does a good job especially given time and additional passes.

A good base layer is must. Under Armor make them for cold or hot, the one for cold is thicker. These modern materials wick moisture while creating a layer of insulating still air on the skin. It is modern thermal underwear that fits snugly and both breathes and dries quickly. There are many brands just make sure to get the one designed for cold weather.

I have had several unreturned phone calls to do a simple will. Must not be profitable. Anyone know a good honest attorney who will draw it up and keep on file and make sure it gets carried out? Single with siblings only. Thanks.

Tell you what, pay off all debt and see how that feels. If it sucks, please go back and borrow to previous levels. Sometimes its more than what may optimize in the long run. Debt free here for over ten years and there's no looking back. [Proverbs 22:7] "The rich rules over the poor, And the borrower is servant to the lender."

It depends on how high financial independence is on your list. IF its high, dump the car notes and mortgage. Reducing expenses is just as good or better than increasing income. It also makes it quicker to match those expenses with investment income. As far as "Jobs are incredibly stable", this is wishful thinking, even if they are, illness, disability, or other unforeseen events occur. You seem to sense that something is overextended and you might be right. beware of the insidious drip called 'lifestyle creep' which will slowly but surely rob you of freedom not just by initial money but all purchases require time, maintenance, and upkeep. Good luck, ask for wisdom, acknowledge One who knows the future, [Proverbs 3:5-6] "Trust in the LORD with all your heart, And lean not on your own understanding; In all your ways acknowledge Him, And He shall direct your paths."

I was but received a modest inheritance which was immediately put toward the principle. Eventually it was paid off, that was over ten years ago.

No. Disconnected from emotions years ago. Staying the course as usual. 60% total stock index, 40% total bond index. I have no idea what tomorrow will bring and 60/40 is my comfort level for all seasons.

Depends on goals, financial independence was high on my list . If so, savings gets maxed and moved into the number one spot. The needs of housing, food, and transportation should be minimized and subservient to number one to avoid lifestyle creep. Only when these are in place and for entertainment purposes only should percentages be calculated.

Yes, always pay yourself first, automatic withdrawals are best and max them out if possible. This is the best insurance against lifestyle creep over the years, and for wealth building over time. So, "After your bills are paid" is second to savings, unless you want to be the typical american living check to check and no retirement/second occupation plan.

"I'm trying to retire in about 3 years". Stay in your paid for house.