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ENBD is the crappiest bank in the UAE. Thank you
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Hi,
My last working day was 11th Nov and I submitted my asset to TCS location and got the Initial release letter as well. Later on 17th or 18th of Nov, I got a message from TCS that they have sent the Packing material through Vendor, please accept it.
I didn't accept the material and cancelled it when the delivery boy came to my location.
So, is it going to create any problem in getting reliving letter? Share your thought please
Tata Consultancy
Ladies would you take dinner and shoes from me?
Tornado alert. Stay safe Chicago.
Any Indian bi here?
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After figuring out FI/RE I am less motivated.
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Anyone looking at airline stocks or ETF play?
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Sounds like a humble brag
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Very well
Why do you need 10k in checking if you already have the emergency fund? Can you move some of that to investments? I’m making the assumption that you’re healthy since you’re young, if you’re on your own insurance and don’t have a lot of medical needs, get on a HDHP and contribute to an HSA, invest the funds since it’s triple tax advantaged
On the emergency fund, its the common 0.5-0.75% APY. On general investing, most of my investments are broad ETFs (VTI, VGT, VYM, QQQ, etc with a few industry focused ones)
That’s good to know. I didn’t know Discover offered instant transfers.
I use another online bank and it takes about 3-5 business days to get the funds.
Wow amazing. Enjoy your life too. I can see you are saver and conservative and on top of finance. Not that we get hit by the bus, but also make sure to treat yourself once in a while.
I appreciate it. I’m definitely trying to be more financially focused but things that are out of control, we can’t plan for. Gotta plan for tomorrow but live for today
I get you don’t have to pay rent but I did some quick numbers here…
For 2 1/2 Years of Salary in a Non-Income Tax State, your total compensation would be $149,437.
Your total savings is at $147,000, Based on your numbers above, which means, over the past 2 1/2 years you have only spent $2,437… which is unheard of.
So either your parents cover all your costs, you have a trust fund, or had jobs prior to this. Any of which puts you in a solid position. Keep up the saving!
I don’t live in a non-income tax state. I traveled for a good bit of my career prior to COVID. Most of my expenses were covered with leftover per diem money. I made a good bit of money traveling and all my monthly expenses are covered with leftover money.
I have definitely spent more than $2500 in the past 2.5 years.
Pro
Why do you need a $40k emergency fund when you are 24 and live with your parents? You only need 3-6 months worth of expenses. Otherwise you’re doing great.
Appreciate the feedback here.
With COVID, I wanted to keep it closer to 12 months to be safe. The 10k in checking is in the event I need to withdraw cash immediately.