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thedankfaerie · 4 years

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i am posting this here because i am tired of burdening my boyfriend with my feelings. this is a little nsfw. and this is my call for help. i dont know who to talk to anymore about this.

i need someone to hear what i feel

or at least, a free space to say what i feel

im in a low place. i feel so awful about myself and my body and i hate this feeling. i hate that this time last year, i was so happy about the way i looked. i was working this awful job that had me so overworked and overtired and poorly treated that i skipped meals and slept through meals regularly... i lost so much weight from stress in just a year and was the skinniest i had ever been. mentally, i was not in a good place being exploited by my managers... but my self esteem re: my body was at a new level i never knew could exist for me.

last year, i felt powerful and confident about my body, and i expressed that through sexuality. i was fucking my ex that i still liked (i grew out of wanting him back, but he never did, and it was nice to have the upper hand). i was also fucking an old fwb that i stayed friends with, that was also recently single, so we reunited again at the perfect time. i was also seeing this one guy (now my boyfriend) so if ever i got tired of the sex i at least was able to calm down and settle down with someone who genuinely wanted to know me. of course, i ended up catching feelings for this guy, and cut off the other two to pursue something more serious (we are now dating and are moving in together next month!) anyways, it was so nice to be wanted. to feel... i guess sexy? sex is empowering. and it shouldn’t be taboo to say that as a woman, or anyone really. i dont want to give off the message that a woman’s validation is fueled by men’s desire - but hey, don’t you feel flattered when someone thinks you’re attractive? desire and lust aren’t everything... but they matter. and they have an impact on how you feel about yourself, whether or not you believe me when i say that is up to you.

and i hate that i would gladly put myself through the stress that i did just to feel happy about my body. before the summer ended, i finally had enough and i quit my shitty job. i was jobless for a month, but was able to enjoy the rest of the summer with my new ‘skinny’ body - last year i took my first bikini picture ... a 2 piece! i have never done that. i still think about how happy i was that summer to look and feel good about myself.

i have struggled with self esteem issues since highschool. i always felt like i was too big. i used to follow all these blogs of pretty people and try to copy their poses to feel pretty and i used to spend hours after school trying on short dresses and clothes to stare at my body in the mirror. i used to starve myself to the point of literally wanting to faint on the daily, until finally i admitted it to one of my teachers. she respectfully asked if i wanted to speak with the school guidance counsellor, and i declined. but she encouraged me to speak up to at least a friend, so i did, and it helped, and for a long time, i was okay. after i graduated that teacher still checked up on me for a few years every now and again.

4th year university was when i realized how much i had let myself go. i was the heaviest i had ever been, it was my graduating year, i was looking for a job and was always worried about my grades. every time i was stressed or every time i needed to study i bought pad thai and bubble tea. a ritual. i didnt realize how much that had caught up to me until i saw old pictures of myself. at this point, i started my (shitty) job, straight out of graduation.

i actively avoided scales, i didn’t like looking at the number because it just made me upset. and i already felt upset looking in the mirror, i didn’t need something else to make me upset. but i did. and i was 20 pounds heavier than i was in highschool - the heaviest i had ever been.

i cried.

i didnt do much about it. i was too busy. my first job out of uni was a brand new daycare and i was head teacher of a toddler class - also i was the only staff on floor since there were not as many kids. there was nobody to train me, at all. i had to teach myself everything. i had no time.

a little while before starting the job, i met this guy. he was so hot, but such a dick - we had a “thing” but it was so toxic. he started off interested in me, but i turned him down. his attitude changed and he started being a douche, but we became friends because we were seeing each other so often. i didn’t have a car yet. he was driving me everywhere. he lived 5 minutes away. he was the type of friend that would text me “im outside, lets go out”. we hung out as friends at first, we would have “study dates”, until we started hooking up. we acted like a thing but he denied we were ever one - but got mad at me whenever i tried to look elsewhere. but i guess in that time, it was nice to be wanted, especially by someone so attractive.

but again, a year in that shithole job went by fast. i would stay late after work. i would come in on weekends. i was expected to not only help new kids transition, but train new partners. and given that my supers refused to support me, i watched a lot of people quit due to pressure. i had to keep retraining. and kids kept coming. that never stopped. i can honestly say my class wasn’t settled until december, and i started in september. everyday it was ‘its fine, it will get better’.

a year in that shithole, with 0 support, and i lost all the weight i gained - and more. i was the skinniest i had ever been. even in highschool. i looked at old pictures of myself from when i started the job at my heaviest. i couldnt believe that was me. and i was so happy looking at myself in the mirror. for once!

after i quit that job, i started another job that i hoped would be a happy ending.

and it wasn’t. it stressed me out just as much. i also moved out by this point, a month after i started this job. my hours are whack. 7-9, 11:30-6. i woke up early and got home late. i never had free time. my last shift at my old job was 7-3:30 and i had the whole day to myself. im someone that needs social interaction and alone time, and by the time i got home i was so tired, i would just cook, clean, shower, and go to bed. and that was my life. sometimes i would get so tired that i couldn’t cook, i just went and ate out. i tried to make personal time with my friends after work but by the time i reached their house, it was late, and places were closed. and id have to leave early anyways because i had work early the next day... so fast food was the only way to make this work. on top of this, this was the most difficult class that i had ever had. the kids behaviours’ were so difficult and i couldn’t handle it. i would cry in my car 3x a week. i would cry 4 minutes before my shift starts in the washroom and walk out and pretend i was okay. i would have my boyfriend come over as much as i could just so i could cry in his arms. i couldnt leave this job because i had just moved out and having a consistent rent payment was a huge responsibility for me. as well, if you know anything about ECEs in canada, just know we make shit pay. but this job pays me better than most ECE jobs... by a landslide. AND gives me benefits, which is so hard to find. i am still at this job - i was at my breaking point at the time covid started, so i was rejoicing when we closed for covid. i havent worked since march, but i needed that time off so desperately.

with that being said, i gained the weight back.

not everything, but i definitely could tell i was packing on some pounds.

cue covid.

i havent worked since march. i fell back into a lazy routine of ordering fast food. lying in bed. resting. just enjoying NOT dealing with my difficult class.

but i gained it all back. and i think im back at my heaviest weight. i picked up all my summer clothes from last year from my moms... half of them dont fit me. my favourite pair of shorts won’t close. i just sat and cried in a mess of clothes on my floor in front of the mirror. this was last week.

im trying to tell myself, ‘you’re in the middle of a global pandemic, go easy on yourself’... but do you know what it’s like to finally get what you’re chasing, and have it be taken away from you? i finally had a taste of what it was like to look AND feel good about myself. something ive wanted since i was a teenager...and it’s gone. it’s my fault and i accept that, so please don’t tell me i did this to myself. i know i did. but i can still be upset about it. i look in the mirror and i try to suck my stomach in and pretend nothing changed but its not the same. i see old pictures of myself, especially that bikini pic. ironically, i captioned it “i will never have the confidence to take a bikini pic again”... and here we are. i look at the clothes i wore last year and remember how fucking good i felt wearing them. i try putting them back on and seeing my stomach bulging and my arms looking fat and my love handles, something i didn’t see last year. and i just take them off and opt to wear something frumpier that doesnt hug my figure.

i try to tell people about how i feel but i cant take those ‘love yourself and all your flaws’ campaigns seriously. i dont think i can listen to another ‘you have to just keep faking it until you make it and if u just tell urself ur beautiful u will feel beautiful!’

because if you’re me, you know you cant kid yourself. if you’re me you can’t ‘love every flaw’. you fixate on them. and you let them define you. and if youre me, flaws are all you see.

i hate myself for getting back to this point.

i have a very supportive boyfriend that knows about all this, who is trying to actively get me to go on runs with him. we are trying to go for walks more and be out and about. he reminds me of little things, like if we are getting bubbletea he will suggest i go with less sugar. he is trying, we are trying. and i appreciate him so much.

today i complained in my car about this to my boyfriend, again. for the millionth time. and he still was supportive. but i just feel like i cant keep doing this to him. he said something today, which i think was him trying to give me a reality check to show me that i cant just wish i could starve myself and overwork myself to lose weight and call it a day... but it stung. he said “i don’t want to be with someone that’s not healthy. i have standards too” and i realized then he deserves so much better than to fucking babysit my complaining ass. i am 24. and i shouldnt be putting this on him. he is an adult with problems just as real as mine and i shouldnt be burdening him with this anymore.

im scared to talk to him about how that comment made me feel, because he’s so right, and he has every right to leave me. i would honestly. the amount that i worry and fixate on all my flaws and complain and have crying breakdowns about this is not fucking normal. and it shouldnt be his problem. i just want him to be with someone that doesnt give him this baggage. he met me in my ‘prime’ days when i just started getting my skinny body last year. when we finally started dating, we were super sexually active. and i mean, having sex like 15 times a week. im not kidding. now we havent had sex in almost an entire month. i dont feel sexy anymore and its impacting my sex drive.. he tries to start it with me and i just can’t because i feel like he is probably repulsed by my body. this is a huge huge huge problem, seeing as sex was a huge part of our relationship (we are very emotionally in tune with one another, but sex was a great addon because we both love it so much). i hate the way i look without clothes on. i cant bring myself to do it because it makes me feel like shit about myself.

but we are moving in together next month. and that is a huge step. and i am worried that i will never change, and he’s going to feel like he’s stuck with me because he’s moving 40 minutes away from his hometown to live with me. i almost want us to break up so he can be with someone with less baggage but i also love him and i want to be better for him and for us.

someone please help me.

#help #lol

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pulllp · 7 years

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I haven't done one of these since bulletins on MySpace and they're still actually fun 1. Your romantic interests - rough kisses, just that, any place any time, idc about dates or gifts 2. Your past relationship - earth shifting, it honestly shaped me, I wouldn't be half what I am today if I hadn't chosen that path, I still hurt over things that were said and done but most days I'm wildly grateful for what I experienced 3. Your current relationship - pure, absolutely pure and genuine and undoubtedly the most completing incredible love I'll ever feel. 4. Your best friend - she's enchanting and magic, the wildest, weirdest, most beautiful creature you'll encounter. Absolutely captivating 5. Your worst friend - all my friends are good or they aren't my friends, quality over quantity, I don't bother with bad seeds 6. Your parents - two people who shouldn't have created a third, they're polar opposites who's live was hard, fast and fleeting. I love them both dearly, they're good humans tied together by me or they'd be strangers by now 7. Your siblings - strange little people, it's odd watching humans on their journey so closely from birth. Everything they do is exciting to me, I can't wait to see what they're like at my age 8. Your pets - non existent, but Tyson and I are probably going to adopt a puppy after my birthday so that's exciting 9. Your dreams - my dreams mostly focus on interactions I have during my days, I dream a lot about people I know, I believe my dreams are signs telling me to pay more attention to people, and usually they're right 10. Your day dreams - mostly I day dream about things I'm going to draw later, and kissing Tyson 11. Your sleeping patterns - I sleep from 2.30am - 11am usually, it's fucked and I hate it 12. Your eating habits - I live on redbull and cigarettes, and then wonder why I'm always run down (?) 13. Your hobbies - I draw and smoke darts 24/7 essentially 14. Your hopes - I hope to move into a beautiful new house in the next 2 months, I hope to be tattooing by the end of the year, and I hope to have my license 15. Your fears - dud caps? I don't fear much, everything's a story at the end of the day, so I don't worry too much about what happens to me 16. Your confidence - I'm 100% certain I'm hot shit. 17. Your anxieties - I get anxious a lot over dumb things, probably left over from the Valium addiction hiccup, I just give Andy head pats at the end of every day and debrief so that's my therapy, I don't dwell 18. Your greatest adventure - moving out of my parents house to another state to live with people who were essentially strangers. Moving to Melbourne has been the wildest ride, I'm so insanely happy I chose to make this move though 19. Your worst mistake - I don't make mistakes, I make choices 20. Your emotions - mostly in check, I smile a lot, I find a lot of joy in life 21. Your thoughts - scattered 22. Your physical ills - I have a heart condition where my heart things I'm dead and stops pumping blood around my body and then has to race to keep me alive when it realises, I did it to myself through drug/alcohol abuse and general bad health, I don't know if it'll ever mend itself, and I hate doctors too much to go and find out 23. Your eyes - they change depending on how tired I am, from light to dark, and they also change from green to blue. Also I've had it drawn to my attention that I have a really dark ring around my iris 24. Your ears - I have weird elf ears, Tyson thinks they're cute 25. Your taste - it's probably fucked from how many darts I punch daily 26. Your bad habits - I have a really bad habit of trashing my bedroom when I'm fucked, like absolutely fucking it up, and then being stressed because of the mess but too lazy to fix it for weeks on end 27. Your good habits - I write every single day, and I always ALWAYS take perfect care of my hair and skin 28. Your music - Varies 29. Your writing - is a constant 30. Your philosophies - even if it was absolutely horrible, it'll make a good read in my autobiography 31. Your sexuality - Tyson basically 32. Your likes - waterfalls. so. much. I live for waterfalls and forests and swimming in my clothes. 33. Your dislikes - angry people 35. Your turn-ons - that little indent on the tops of guys shoulders when they lift their arms, strong hands 36. Your turn-offs - ignorance 37. Your first sexual experience - 38. Your last sexual experience - I was out of my mind drunk and Tyson absolutely fucked me senseless 39. Your dream home - in the mountains just down the road from Ives mountain home 40. Your favourite games - idk, probably the game I play where I tell myself I won't get fucked up and then I do 41. Your favourite books - SO MANY!!!! To kill a mockingbird, fear and loathing, wintergirls, go ask Alice, anything about ghosts, mob wives/mobs, tattooing books... I'm currently building a library 42. Your favourite play - I once saw grease live and it was wild 43. Your personality - ???? Who can answer this ?? Idk 44. Your quirks - I sing everywhere shamelessly, people comment on it so I guess that counts? 45. Your shame - I have none, literally. 46. Your depression - 47. Your happiness - mountain air 48. Your role model/inspiration - Cher 49. Your flexibility - very? 50. Your clothes - obviously fantastic

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themoneybuff-blog · 5 years

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Questions About Tax Brackets, Compound Interest, Warehouse Clubs, Stamps, and More!

Whats inside? Here are the questions answered in todays reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Losing faith 2. Thoughts on simple investment strategy 3. Tax bracket question 4. Compound interest question 5. Costco versus Sams Club 6. Question about forever stamps 7. Investing for near term 8. VA disability and property taxes 9. KitchenAid 10. Where should I retire? 11. Credit cards for specific purposes 12. Saving old journals On the wall in my office are three framed pictures that my children drew for me when they were younger using finger paints. In the corner of each, my wife typed out a brief description of what the painting was supposed to be, transcribing what the children told her about them. They are among my favorite possessions. I look at them at least a few times a day and they provide a constant reminder to me about what Im doing, what Ive done right, and what I might do better. Theyre older now. My daughter is a fantastic artist at this point, drawing still life far better than I ever dreamed of being able to do. My oldest son is developing into a skilled problem solver and is likely headed for some sort of engineering career. My youngest has a superb wit and the most insatiably curious mind Ive ever come across. Those pictures captured them at a moment in their lives thats already past, yet when I look at the pictures, I dont think of my children as they were, but as they are. Its pretty impressive what three pieces of paper and a few cents worth of finger paint can do. Q1: Losing faith I have worked for the DoE for 18 years and been through a few shutdowns, but this is the first time Ive simply not received my paycheck. Part of the reason I have chosen to work for the government rather than an energy company is due to the stability of the job and now that feels like it is eroding. I dont know when Im getting paid next which is the very type of thing I wanted to avoid in private industry and took a somewhat lower paying job. I am losing faith in the government as reliable. Not sure what to do. Dan After last weeks mailbag focused so heavily on the shutdown, I wanted to dial it back a little this week, so this is the only shutdown-related question. Again, Im not interested in the politics of the situation, just how it affects the daily life of those affected by it. In your shoes, Dan, I would probably start polishing up the resume. I get the impression that your finances are generally pretty stable and you can handle a short period without pay. I would also use this as inspiration to remind yourself that the best kind of financial reliability is when youre relying solely on your own savings, not the reliability of an employer. When things do return to normal, kick up your retirement savings a bit and get yourself into a place of financial independence just a little faster. Q2: Thoughts on simple investment strategy I wanted to get your thoughts on the investment strategy my great uncle told me about. Hes in his mid 60s and has been basically retired for about a decade. He ran a bakery but sold it to the manager about a decade ago and sometimes consults with them but thats about it. He said that what he did was starting in the early 1980s when he was just starting out, he put a minimum of $100 a month into a savings account and then put in any windfalls he got. The minimum grew as his income did. Whenever the stock market dropped 10% from its peak, he would take half of his savings and put it in the stock market and then not watch again for another six months. He said he blew away the market doing this and its why he retired so early. I am skeptical because he sometimes tells tall tales and I think he is mostly retired on bakery money. Your thoughts? Alex So, lets break this down. He puts $100 a month into savings and then puts half of his savings into stocks every time the stock market is 10% or more lower than its peak, but he only does this every six months at most. I tried my best to match this strategy in a spreadsheet to figure out whether this would actually beat the market. As best as I can figure, over the period of January 1, 1982 to January 1, 2019, this strategy would beat the market but not overwhelmingly, and it didnt beat the market for long stretches in there. I assumed a 3% return over that entire period on money in the savings account, and I only checked the stock market on the 1st of every month. I used the S&P 500 as the number for the stock market and assumed he was investing in the Vanguard 500, which basically matches the S&P 500. Now, having said that, its worth noting that sitting on stocks over that period is simply a great investment. On January 1, 1982, the S&P 500 was at 117.30. On January 1, 2019, its at 2,584.62. That money he invested back in the early eighties utterly exploded in value. Heck, even as late as January 1, 2009, it was at 865.58 it has basically tripled since then. If your great uncle sold his bakery ten years ago and put a lot of that money into stocks, and hed been doing this investment strategy as you described all along, he probably is sitting on a pretty penny right now. As for whether you should do it, I dont think its strictly better or worse than just investing that $100 directly every month. It really depends on how the market fluctuates, as all of these strategies do. Your great uncle got rich because he made a 40 year investment in stocks, not because he had a great timing strategy. Anyone with just about any strategy starting in the early 1980s would be doing very good today if they just left the money in the market. In other words, I think youd be in great shape if you used your uncles strategy. I also think youd be in great shape if you just put $100 or $200 a month into a broad based index fund and sat on it for the next 40 years. The thing those two strategies have in common is that theyre both riding the long term stock market growth, and thats where the real money is over the long term. Q3: Tax bracket question You wrote: Lets say youre a single taxpayer who earns $35,000 per year. The first $9,275 of your income is taxed at 10%, and the remaining $25,725 is taxed at 15%. What? While $35,000 falls into the 15% tax bracket, your effective tax rate is actually 13.7%. The higher your income, the more tax brackets you pass through to arrive at your effective tax rate. There is no listed 15% tax bracket for single taxpayers.. That sentence is thoroughly confusing! Please explain where you came up with that! Tammy The article in question was written by Simple Dollar contributor Frank Addessi, not by me. Ill do my best to explain this specific point more clearly. First of all, Frank seems to have been using the 2017 tax brackets rather than the 2018 ones to explain the principle. His numbers perfectly line up with the 2017 tax brackets, which did include a 15% rate. The current 2018 tax brackets for single filers look like this: 10% Up to $9,525 12% $9,526 to $38,700 22% $38,701 to $82,500 24% $82,501 to $157,500 32% $157,501 to $200,000 35% $200,001 to $500,000 37% over $500,000 The easiest way to think of tax brackets is to imagine a big water fountain, one that has a bunch of progressively larger pools. When the little pool at the top overflows, the overflow runs down into the next pool which is a little bigger, and when that one overflows, that overflow runs down into the next pool, and so on. Heres a picture if you want a visual aid. So, in Franks example, hes looking at someone who made $35,000 in taxable income this year. You start dumping that income into the 10% bracket until it fills up at $9,525. At that point, you still have $25,475 to put into the fountain, so we move down to the next bracket. It can hold all remaining income up to $38,700, and so it holds the remainder. So, that first $9,525 is taxed at 10%, which means $952.50 in taxes, and the remaining $25,475 is taxed at 12%, which means $3,057 in taxes. Your total tax bill is $4,009.50, which is 11.5% of your income. This person is in the 12% tax bracket and their effective tax rate is 11.5%. Remember, because some of your income always ends up in those smaller bowls with a lower rate, your overall effective tax rate is always lower than your tax bracket. Hopefully this clears things up! Q4: Compound interest question I recently read a blog post about compound interest, which Ive primarily associated with bank accounts. But the article also seems to associate compound interest with retirement accounts and I was wondering if you could provide some clarity. One example early on says Lets say you have $5,000 in a retirement account, earning 7% interest each year. The first year you earn $350 in interest, which brings your total to $5,350. The following year, interest is calculated based on that $5,350 total Even if you never deposit anything but the original $5,000, youll have $38,061.28 in 30 years. I know the average stock market return is 7%, but is it accurate to call that interest? If not, is there some other type of retirement account that genuinely offers 7% interest on your principle every year (as this article seems to suggest)? Another example: toward the end it says If youre saving for retirement, invest in low-fee index funds. Fees of 1% or more will drag down your profit and cut into your compound interest. Index funds will follow the markets course and provide a solid rate of return. Avoid picking individual stocks, as their volatility can be problematic. Im on board with the ideas of low-fee index funds, but not for fear of high fees cut[ting] into your compound interest. Index funds are liable to lose value some years too, arent they? I wouldnt be giving this as much thought if it came from a smaller blog but this is Mint. It makes me wonder if I fully understand how my retirement accounts are working, or if Im missing an opportunity elsewhere. Is the article conflating two topics that dont really connect to one another? Or is there a way to leverage compound interest to this big of a degree for retirement? Max Mint is using the terms investment returns and interest interchangeably here in order to reduce the number of different terms being thrown at the reader. I do this myself its a way of making similar concepts seem familiar and not overwhelm people with new terms, especially when theyre asking an introductory question. They are distinct ideas, but they both have the same effect if you let them sit for a long time, the growth they provide is powerful. Your retirement account, assuming its invested mostly in stocks, doesnt return interest. Rather, what happens is that you usually own shares in a mutual fund. Each time you put money into your retirement account, its used to buy more shares. Over time, those shares grow in value maybe not each and every year, but most years. They also regularly produce dividends, which are small cash payments for each of those shares, issued to you. Almost always, dividends are just used to buy more shares of that same investment. So, shares grow in value over time and youre also rolling dividends in to buy even more shares. The end effect of that is much like compound interest in a savings account it builds and builds. Although theyre not the same thing, the exponential growth curve of interest in a savings account and investments in a retirement account are similar. The growth curve of the savings account isnt as steep, but its very steady and always upwards. The growth curve of the stock market investment is really bumpy, but overall trends upward much more strongly than the growth curve of the savings account. Q5: Costco versus Sams Club I dont know anything about sams club because we joined it when it first came to town years ago and hated it. When Costco came to town, we heard such positive things we decided to give it a chance and have liked it much better. Reasons are several, including those you wrote about esp. the gas prices as we pass the store every day. Further, they treat their employees really well. most importantly, they guarantee that if the credit card rewards (on their visa card) do not equal the membership fee, they will refund the membership fee. We have only one visa card and its theirs as we get a great deal of rewards based on gas alone. Jaden My experience has been that different chain stores have different degrees of quality in different areas of the country. Where I live, the two closest warehouse clubs to my door are both Sams Club and theyre both clean and well stocked and well staffed, and both feature gas prices that are consistently about $0.07 per gallon cheaper than any of the stations near them. There is a Costco in Des Moines (the closest Costco to me) and I found the experience there to be very similar when Ive visited with friends with Costco memberships. However, having said that, I didnt see anything that made it worth the substantial additional drive for me. My experience is that theyre both fine, at least at the locations Ive visited, and you should check out both in your area if theyre both available (along with BJs, another warehouse club chain popular in some regions of the United States). Q6: Question about forever stamps As you likely know, the largest increase in the cost of a stamp will occur on Sunday, January 27, 2019, as the price of a first class Forever Stamp goes from $0.50 to $0.55 (a 10% increase). While the best way to save money on stamps is to call/TXT/email rather than mail a letter, sometimes mailing a letter presents a very good value (sending someone a note of appreciation, etc.). Due to how significant this increase is, I would recommended that anyone with no high interest debt who already has an emergency fund try to purchase 2-4 years worth of stamps, while anyone else try to acquire at least a 1-year supply of stamps (as long as they can do so without paying interest on the purchase). Im curious how much of a supply of stamps you would recommend people acquire prior to this price increase? Stephen Personally, we estimated how many stamps well likely use over the course of 2019 (mostly personal letters and holiday cards) and bought them all already. This added up to 200 stamps, so the cost was $100, as compared to the $110 we would have spent had we bought those stamps at the end of January or later. With a longer timeframe than that, the cost benefit of buying those stamps really starts to shrink. Your annual return starts to sag and you have the stamps for longer, which means theres a greater risk of some sort of damage to the stamps (the longer you have them, the more likely they are to be lost, burnt, misused, and so on). This is basically what weve done each time theres been a bump in the cost of forever stamps. Weve bought an entire years worth just before the bump in price. Its not a big savings, but it saves us $5-$10 over the course of a year. Q7: Investing for near term You recommend fully investing in the Roth/529 even though they are less than 10 years out from likely needing the capital? I was thinking of them putting 10 or 20% aside for long term, although they are a bit depressed by the .1% interest our local bank returns to them. Any back of the envelope math as to what $2,000, invested at age 16, is worth at age 70? Annie Yes, I recommend putting money into tax-advantaged education and retirement accounts, even if youre less than ten years from your expected use. The difference is that when youre looking at that short of a timeframe, you choose investments that are intended for short and medium term investments, like safe bonds or money markets. They have a smaller average annual return than stocks, but they certainly beat savings accounts and have very little risk of losing money and youre still able to pull out the gains tax free. As for your other question, if you put in $2,000 into, say, a Roth IRA at age 16, put it aggressively into stocks, and let it ride until age 70, you should see an average annual return of 7% on that money. So, 54 years of a 7% average annual return on $2,000 gives you are you ready for this $77,224.30. Now, its worth noting that $77K wont go as far in 54 years as it goes now, but itll still be a very healthy chunk of money. If you withdraw 3% of it annually (which is a safe bet), thats $2,317 a year. Yep, if he puts that $2,000 away now and starts withdrawing it every year at age 70, hell be able to pull out more than $2,000 a year basically forever and still hand down a big chunk of it to his kids/grandkids. Q8: VA disability and property taxes Can a veteran who is on total VA disability with no other income receive a tax refund on his home owners taxes? Jim Property taxes are a deduction from ones income tax bill. Since, as a person on total disability from the VA, youre already paying no income taxes, you have nothing from which to deduct. I dont know the specifics of your financial state, but if you were to earn a small income, its likely that the deduction from the property taxes would take care of the income taxes on that small income. However, if your income is solely from the VA due to total disability, property tax payments wont help your income tax bill since you dont have an income tax bill. Q9: KitchenAid it is my understanding that [KitchenAid] was bought out by a foreign company some time ago surely since 50 years ago and that the new company has been making them with some parts being plastic that were metal originally. I have seen reviewers saying that the old ones really do last forever if one takes good care of them, whereas some of the newer models plastic parts tend to wear out. I dont remember seeing any mention of whether those plastic parts can be replaced. I think I found this information on consumer information web sites. Annie Whirlpool purchased KitchenAid in 1986. At some point in the late 1990s, it seems that KitchenAid replaced the gearbox in some of their stand mixers with one made of nylon rather than the original one made of metal. The issue isnt that the nylon ones wear out under normal use, but that people tend to stress them. For example, the instructions for the manual state to only use the dough hook attachment on speed setting 1 or 2, but people often turn it to 3 or higher. This causes the gearbox to get overworked and cause breakdown issues. Today, KitchenAid makes two lines of stand mixers the Artisan and the Pro line. The Artisan has a nylon gear box where the Pro line seems to have the old-style metal gear box but the Pro line is substantially more expensive. One note: the reason many people believe that old things are more reliable is due to selective bias. People remember the things that worked well in the past and forget the things that do not, and then they compare those things that worked well to everything now, where some things work well and some things do not. Thats always been true. Q10: Where should I retire? My husband I are targeting early retirement within 10 years but well be figuring out a location in 3-5 years. We want to spend the next few years visiting a variety of possible locations, narrow it down to a shorter list and then try out a few, staying 6 months to a year. Where would you start? What criteria would you consider? What resources are available, particularly those geared towards retirees (we dont really care about the quality of local schools these days). Thanks for any suggestions. Margaret If I were you, Id start by figuring out what you want to do in retirement. What do you want your typical day to look like? Does it involve regular time with family? With friends? Does it involve a lot of time outside in warm weather? Do you guys like cold weather? How do you want to spend your time? Questions like that should narrow down your target locations pretty quickly. Once youve addressed those kinds of quality of life issues, I would focus on cost of living and aim for areas that have a low cost of living while still meeting your other quality of life goals. I like using this cost of living calculator. Since youre retiring early, I wouldnt prioritize access to services too much at this point. Instead, focus on what will give you the aspects of life you want with a low cost of living. Q11: Credit cards for specific purposes I have not used credit cards until a few years ago and wondering if the following expenses qualify as recurring payment for which the card gives a cash-back: 1. Monthly rent paid to the apartment landlord (not sure if the landlord would accept credit card though but rent is the single largest toll on my modest purse); 2. Life insurance premiums. These do accept credit card payments and I am about to apply for two. Sasha I think that using credit cards for very tight specific purposes like this is a good choice, as it raises your credit score and likely provides some sort of reward bonus or cash back bonus for the card. The key, of course, is paying off the balance in full each month. Youll have to check with the credit card in terms of whether or not such payments qualify for the cash back reward. It depends on the specific offer and probably on how you go about the payment. If I were you, the next step Id take is talking to my landlord about credit card payments. My guess is that a small business might not accept credit cards, but a large one will. You may want to consider other strict uses for it as well, such as gas purchases or other regular bills. Q12: Saving old journals I loved to learn that you also use the three morning pages idea! I have been doing this for years and years, since 2000 at least. Question: what do you do with the old journals? I have a box of them in the garage. I realize I dont really look at them but it feels wrong to just burn them or throw them away but I also dont really want my kids to read them because theyre really personal and I sometimes work through hard feelings about motherhood. Jenny Personally, I digitize all of my old journal entries and then destroy the originals. (The exception is journals that Im hand-writing for each of my kids to give to them when theyre adults that contains a summary of the life advice I have for them along with things like family histories and recollections.) My process is that when I finish a journal, I put it aside for a while until I realize Im no longer looking back on it (usually six months or so), then I cut all of the pages out of the binding and scan them all (I use Scanner Pro). Then, I burn the original pages. That way, I can easily browse through them when I want, search through them using text searching, and theyll basically go away when I die (I suppose one of my kids might find them if they trawl through lots of my digital detritus, but most likely theyll just toss out old computer equipment without a second thought). Most of the stuff Ive written is simply me working through personal problems, and I really have no interest in rereading that stuff. The valuable stuff, for me, is when Im working through an intellectual idea, because I often want to revisit the earlier thoughts. Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. Ill attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours. https://www.thesimpledollar.com/questions-about-tax-brackets-compound-interest-warehouse-clubs-stamps-and-more/

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