kipling_sapling

The guys always say that you shouldn't use stocks for savings unless you're saving for at least 5 years, which is standard advice.

But what confuses me is, how and when do you start to draw down from the stocks? Let's say I'm saving for something exactly 5 years in the future. A month later, it's no longer 5+ years away, so am I supposed to move it all out of stocks? (Obviously not, but I hope you see what I'm getting at.)

Is there some similar glide path you're supposed to follow as with retirement? Once it's 4y10m away you allocate 5% to bonds or HYSA or something, and continue DCAing like that for the rest of the time?

Or what are we supposed to do in this circumstance?

Why YSK:

Understanding this prevents unnecessary worry and helps you make informed decisions about raises, bonuses, or additional work opportunities.

The Misconception:
Many people think moving into a higher tax bracket means taking home less money overall.

The Reality:
In most of the world, only the income above each threshold is taxed at the higher rate. This ensures you always take home more money when your income increases.

Example:
Consider two tax brackets:

• 10% on income up to $10,000
• 20% on income over $10,000

If you earn $12,000:

• The first $10,000 is taxed at 10% ($1,000

I work for a book publisher and a new customer of ours wants us to ship a pallet directly to him in Canada. I'm new to this world and am just learning about customs brokerages. We have carriers we can use to ship, but they don't provide customs brokerage services. Since a lot of customs brokerages can also do the shipping themselves, it seems silly not to get quotes from a few for doing the whole deal. There's thousands of customs brokerages out there, and one of the carriers we partner with sent us a list of about ten recommended brokerages, but that seems like overkill. Anyone have tips for finding the right one?

Can anyone help me build out a list of the aphorisms they like to repeat? This is similar to the recent "drinking game" thread and another one, but I'm not intending this so much for entertainment value as for distilling the common advice they give (beyond the FOO) into the phrases that they often use to express that advice. Examples:

• Debt is a dangerous tool, like a chainsaw. If you're not afraid of debt while you're using it, you're using it wrong.
• Be greedy when others are fearful and fearful when others are greedy.
• (Regarding highly leveraged debt): You don't know who's swimming neckid until the tide goes out.
• Stock market growth and volatility is like walking up a mountain with

My company ships all over the US and world. One of our customers is in Asia but we ship to their freight forwarder in New Jersey. We typically ship three to six 18"x12"x8" boxes. They are always multi-piece shipments (that is, according to UPS tracking, each box is 1 of 3, 2 of 3, 3 of 3) and they have the same address and depart our warehouse the same day. According to our customer, we are the only business whose UPS multi-piece shipments arrive at the forwarder on separate days. We sometimes have one or two days between the first package and the rest of the packages arriving at the forwarder, and supposedly we are the only one that this happens with.

I think next time I'll label each pack

I frequently schedule one-time pickups at my workplace via fedex.com. We have explored doing automated or recurring pickups but for now we're just scheduling one-time pickups ourselves as needed.

What I want to know is, how accurate do I need to be with the number and weights of the boxes? Sometimes I schedule a pickup for the next day with two boxes, and then the day of the pickup I have one or two to add. Does that matter?

In general, if I schedule a few pickups for the coming week (with, say, a listing of one 20-pound box for each pickup) with the intent of canceling as needed, would that be creating chaos for FedEx (and/or for my employer) or would that be okay?

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I've always had trouble focusing during prayer (both during my own private prayers and during corporate worship) but I've recently established a routine in a new job that makes it more starkly apparent than it was before.

My day job is with a Christian ministry, and we have morning prayer every day. One person reads a Scripture passage and leads us in a prayer inspired by the passage, and one person takes prayer requests and prays through them.

When I'm not one of those two individuals, I find that my mind wanders constantly. I might be tracking in the first couple seconds, and then something reminds me of something else, and I think about that concept, or about the needs of the day, or a

I'm not going to say anything that hasn't already been said, but I've just read this and wanted to jot some thoughts down. These thoughts will be pretty disorganized, but I hope someone reads them and enjoys them, or is inspired to reread the book.

I first read this in third grade (a little over twenty years ago) and just this week listened to it on audiobook.

I don't remember noticing the first time I read it how much I have in common with Jess. He's a weird kid, and his patterns of thinking are often a bit off the beaten path. I didn't notice at the time because I wasn't aware of how odd I was. I didn't have many friends, but I didn't notice until fifth grade, which is when he seems