[–] 1 point 13 hours ago

I mean it probably does / should qualify as some kind of national monument, historic place, etc. But that doesn't mean he gets to mandate no future president changes it. That's a super common thing that every president has done when they take office

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  • [–] 1 point 1 week ago

    Where do you live and who is your utility?

    Typical monthly American residential energy use is ~1000 kwh, but that varies a lot.

    Do you have central AC?

    The well might be using more than you think but I doubt it.

    If you're really into this, get a C-clamp product and self-meter each circuit inside your main electrical panel. Those clamps read the current per circuit which tells you which circuit (appliance) is using which amount of energy. Emporia and Sense sell this kind of thing.

    I would also meter that 200A workshop panel to see if any loada are connected to it. You never know

    Once you have everything self-metered, compare that value to the total value you're billed for. If they don't match (or close), then you have something on the property that's drawing power that you don't know about

    Source: work in residential energy for many years

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  • [–] 4 points 1 week ago* (1 child)

    So you save about $14k a year? Don't save that, invest it. After you have an emergency fund built up (most recommendations say 3 months worth of expenses), then contribute 15% of your paycheck to youryour 401k including your employer match if you get one.

    If you have more left over after doing that, then open and contribute to a Roth IRA for tax-free growth and tax-free withdrawals in retirement. Federal annual max this year is 7,500. Many people don't understand how powerful the tax-free compounding is... This is one of my primary financial regrets of my twenties, is not understanding Roth value. I am 39 now and working hard to make up.

    If you have more left over after doing that, then open and contribute to an HSA for pre-tax contributions, tax-free growth and tax-free withdrawals. It's the only triple tax advantaged account type. Use Fidelity vanguard or Schwab. Select growth ETFs as your investments, and let the money sit there instead of using it for healthcare expenses. (But of course use it if you actually have medical emergencies, that's what it's for)

    If you have more left over after doing that, then open a taxable brokerage account, also through Fidelity vanguard or Schwab. Plenty of others too though like IB, SoFi, etc. Contribute however much to this you're comfortable with after doing your emergency fund, 401k, Roth IRA, and HSA. Personal recommendation is to pick large broad growth ETFs (SPY, VOO, VTI, VXUS, QQQ, maybe a growth industry like SMH)

    Man I WISH I understood all this when I was in my early twenties. I would be in a very different financial picture now in my late 30s. I'm doing well for myself, but also the opportunity cost is MASSIVE. But I tell myself "the second best time is now!"

    Sorry if that was too much! Love thinking and talking about this kind of thing.

    Edit: I see now you're in the UK (£ not $). I think all the same principles apply but maybe there are differences in how 401ks are structured, or Roth IRAs don't exist in the UK, etc. But overall the main point applies to any currency or country, which is take advantage of as much tax deferred and tax-free growth and compounding as you can!

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    The Supreme Court on Friday ruled that a group of Maryland parents have a right to opt their elementary-school-aged children out of instruction that includes LGBTQ+ themes. By a vote of 6-3, the justices agreed with the parents – who are Muslim, Catholic, and Ukrainian Orthodox – that the Montgomery County school board’s refusal to provide them with that option violates their constitutional right to freely exercise their religion.

    Writing for the majority, Justice Samuel Alito acknowledged that “courts are not school boards or legislatures, and are ill-equipped to determine the ‘necessity’ of discrete aspects of a State’s program of compulsory education.” But he emphasized that “what the parents seek here is not the right to micromanage the public school curriculum, but rather to have their children opt out of a particular educational requirement that burdens their well-established right ‘to direct ‘the religious upbringing’ of their children’” under the free exercise clause of the First Amendment.

    Justice Sonia Sotomayor dissented, in an opinion joined by Justices Elena Kagan and Ketanji Brown Jackson. Sotomayor warned that Friday’s decision “threatens the very essence of a public education” because it “strikes at the core premise of public schools: that children may come together to learn not the teachings of a particular faith, but a range of concepts and views that reflect our entire society.”

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