Next step begins
Yay, the estate stuff is basically done…
And now we have to start long term planning, yay. Really it isn't too hard, we'll be consolidating all the investments that I can to Chas Schwab through my broker, one that my mom recommended and has done me well so far. I do know I'll have to sell at least some of my Morgan Stanley holdings as the MS At Work account is Schroedinger's account, it seems to be both closed and not closed at the same time, and transfers aren't an option. We also have a standard MS account and an E*trade (also Morgan Stanley) account from the estate, hopefully those'll transfer.
The more interesting direction is moving my Money Management savings account at my credit union to Schwab, we'll be making it a Money Market mutual fun, and it'll go from 2.3% interest rate which is fairly impressive to a 3.9% rate. This will require some changes in how I manage my money, but that's already done, mortgage and the home improvement loan money is being dumped into the share savings account which only has a .25% interest rate, but its not like that money was sitting in the Money Management to earn any real interest. The new account will handle quarterly and annual bills, my tax payments, property tax and home owner's insurance. Initially I'll also be dropping $50 a month into the account, but that might grow once we get the utility bills updated.
Update?
Yep, I don't think I shared this here, but this is what I spent last year on electricity…
I've no idea what was going on with the June-July period last year, but this year's looks like this…
Yeah, we're seeing a big difference, and if last year wasn't a fluke, they'll have to change my budget billing down prolly by a notable amount, enough for me to increase the deposit. With the compound interest I think that'll pay off at least one of my tax payments, possibly two of them which is obviously quite nice.
Beyond that, there likely won't be too many investment changes for the next six years until I can touch the IRAs and maybe consolidate them? Certainly be easier to manage if'n I've only one fund, right now I have like 3 or 4. Oh, and changes in stock investments, I'm thinking ABB, and I'd like to get Slate and Alpatronics, but those aren't publicly traded, Slate might be at some time, but Alpatronics is unlikely. Not sure if'n there's anyone else I want to invest in.
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German Court Says Google Is Liable For False Claims In Its AI Overviews Because They Are Its Own Words
Legal systems have always struggled to keep up with rapid technological change, and things are no different in the world of generative AI. There are still relatively few rulings on the new issues t…Techdirt
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More than 1.2 million Thermos products recalled following reported injuries - National | Globalnews.ca
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More than 1.2 million Thermos products recalled following reported injuries
Health Canada released a consumer product recall Monday, advising consumers that the products could pose a hazard of impact and laceration.Adriana Fallico (Global News)
NCOSE Lawyers Got Caught Citing Fake Cases. Their Corrected Brief Had More Fake Cases.
The folks at the National Center on Sexual Exploitation (NCOSE) have spent decades demonizing technology (and speech) they don’t understand, so it seems particularly ironic that they’re…Techdirt
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Nearly 100,000 Hyundais are under recall. Here’s why
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Nearly 100,000 Hyundais are under recall. Here’s why
Nearly 100,000 Hyundai SUVs are being recalled, according to the National Highway Traffic Safety Administration.Brandy Beard (KMOV4)
Land Rover Recalls 250,857 SUVs over Potential Airbag Issue
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Land Rover Recalls 250,857 SUVs over Potential Airbag Issue
The Land Rover Defender, Discovery, and Range Rover are all being recalled because the driver's airbag may not deploy as intended.Jack Fitzgerald (Car and Driver)
Why Diaspora?
Genuinely curious about this, I have a few followers and a few mutuals that are on #diaspora , and at this point I have to ask why?
Genuine question, even six months ago, I wouldn't've asked, I mean Diaspora is nice, I really like it, even if'n its not got AP connectivity, but with new things like Wafrn and Loops, especially Loops, it seems like the lack of AP connectivity means being left behind and losing out these days.
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