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personalfinance·Personal Financebymapiki

Short Term Places for a Downpayment

Hi all -

I need reassurance that having 60-80k in cash isn't wild if we plan to buy/look at buying a home in the next 2-3 years. We're in a DINK lifestyle in a LCOL area and are easily saving $2k+ towards specifically a down payment per month.

Currently: 8k is in a Vanguard account and has been invested in index funds for about 2-3 years now 10k is in treasury funds 5k is abroad in a high interest account that's locked for about another year from a grandparents inheritance 5k is in a CD making ~5% APY

I'm thinking that as we start building up more I'll be trying to keep opening 3-12 month CDs on a regular basis as long as rates stay at 5%

But I'm super risk tolerant and part of me sees all the cash laying around as a waste when I could add to the Vanguard account with more stocks. Mostly because until now I haven't had a real timeline for buying and it always seemed so far in the future that keeping it in stocks made sense.

Can someone help me think through what I'm giving up with both options? 5% isn't bad for now but I don't think rates are going to stay so high forever either.

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14
rabbits·Rabbitsbymapiki

Reminder not to let your buns chew metal grates.

Noticed right before going to bed that Blossom managed to break off her tooth near the root and it was just hanging horizontally out of her mouth, saber tooth rabbit style. Maybe partially due to the fact that her bottom incisor has been pulled out due to fractures about a month ago and is still regrowing. (Yes, the vet is a little exasperated at us.)

She's not sedated and getting X-rays. Thankfully vet could fit her in because non of the emergency clinics had a rabbit specialist available last night and I decided she didn't look in pain and was able to eat her greens and pellets so I waited 8 hours after noticing (11 hours after it would have happened) to take her in.

... I had checked over the enemy rabbits on the other side of the pen when I realized she'd gotten out of bedroom and had access and didn't think to check her over immediately.

View original on lemm.ee
10
rabbits·Rabbitsbymapiki

Rump Scratches

Hello fellow rabbit people - has anyone else noticed that if they scratch on their bun's lower back that said bun starts grooming? It feels exactly like when a dog's hind paw starts shaking except she turns and grooms her shoulders. It's super strange. She doesn't seem to hate the scratches (above her tail, in a region she's always a little scruffy in because I don't know if she can reach as well back there in her old age). It's just the strangest thing and I don't know if it's a sign of something.

View original on lemm.ee
6
weddings·Weddingsbymapiki

Sexism in wedding planning

I have a one on one with my boss every week. He's a decent guy.

But every week he asks how wedding planning is going and there's so much more to my life than that and I wonder if he would ask if I was one of the guy engineers in the office. My wedding is next summer.

Ugh. Anyone else have any similar experiences?

View original on lemm.ee
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