Is devin scillian retiring

Practical guide to living off investments in early retirement

2023.05.30 12:34 ra9rme Practical guide to living off investments in early retirement

There is a lot of discussions about "withdrawal rates" and "Do I have enough to retire" ... but very little on the actual mechanics of living off your investments.
For anyone that is interested, I retired early at 39 and I've been living off my investments for almost 10 years now. Here is how I manage my cashflow in early retirement:

Maintain a 2 year cash reserve (combo of HYSA and laddered CDs)
Use cash reserve to pay bills and expenses
Twice a year (July and Nov) I "top up" the cash reserves - first with interest and dividends from my taxable accounts ... if I need to sell stocks I do but I also have a cash buffer that enables me to delay the decision a few months if I need to.
When I "top up" I will also rebalance the portfolio if I'm overweight equities/bonds - sometimes I have "left over" income after topping up and I'll buy new securities.
Eventually I'll have SSI income that will supplement the dividend and interest income so I suspect I won't need as much of a cash reserve.
Eventually I'll add withdrawals from retirement accounts but for now I get by on my taxable investments.

NOTE: This approach was inspired by concepts better expressed by Fritz and Karsten

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2023.05.30 12:34 taxfillingindia Now It's Made Easy to Register ESI & PF Tax Filling India

Employee State Insurance (ESI) and Provident Fund (PF) are crucial social security measures that ensure the well-being and financial security of employees in India. Registering for ESI and PF can often be a complex and time-consuming process. However, with the advent of digital platforms like TaxFillingIndia, the registration process has become significantly easier and more convenient. In this blog, we will explore how TaxFillingIndia simplifies the registration process for ESI and PF, making it hassle-free for employers and employees alike.
Understanding ESI and PF:
Before delving into the registration process, let's briefly understand the significance of ESI and PF. The Employee State Insurance Act, of 1948, provides medical, cash, maternity, and other benefits to employees and their dependents. The Provident Fund (PF) is a retirement savings scheme that enables employees to accumulate a corpus for their future. Both ESI and PF are mandatory for certain categories of establishments and offer valuable social security benefits to employees.
The Traditional Challenges of Registering for ESI & PF:
Historically, registering for ESI and PF involved extensive paperwork, multiple visits to government offices, and dealing with cumbersome processes. Employers had to gather various documents, fill out lengthy forms, and endure long waiting periods. This often caused frustration and delays, leading to a less-than-optimal experience for businesses.
Simplifying the Process with TaxFillingIndia:
TaxFillingIndia is a leading online platform that offers comprehensive solutions for tax compliance and regulatory requirements in India. The platform has streamlined the process of registering for ESI and PF, making it user-friendly, efficient, and hassle-free.

https://preview.redd.it/u8n2v5g85y2b1.jpg?width=1280&format=pjpg&auto=webp&s=6c82275d101f5d3e454fcabece9a68a808523bab
a. User-Friendly Interface: Tax Filling India provides an intuitive and user-friendly interface, ensuring that employers can navigate through the registration process with ease. The platform's design and structure make it accessible even to individuals without a deep understanding of complex legal procedures.
b. Document Preparation: Tax Filling India simplifies the documentation process by providing a step-by-step guide and a checklist of required documents. Employers can easily upload the necessary documents, eliminating the need for physical paperwork and saving valuable time.
c. Automated Form Generation: The platform generates the required forms and documents automatically based on the information provided by the employer. This feature ensures accuracy and reduces the risk of errors commonly associated with manual form filling.
d. Speedy Processing: Tax Filling India expedites the registration process by digitizing and automating various stages. The platform ensures that the applications are submitted promptly and minimizes the time taken for approvals.
e. Expert Support: Tax Filling India offers expert support and assistance throughout the registration process. Their team of professionals is well-versed in the intricacies of ESI and PF registration, ensuring that employers receive guidance and resolve any queries promptly.
Additional Benefits and Services:
Apart from simplifying the registration process, Tax Filling India provides various additional benefits and services related to ESI and PF compliance:
a. Compliance Reminders: The platform sends timely reminders for ESI and PF filing and payment deadlines, helping employers stay compliant with regulatory requirements.
b. Document Storage and Retrieval: Tax Filling India securely stores all the ESI and PF registration documents, making it easy for employers to retrieve and access them whenever required.
c. Tax and Accounting Services: In addition to ESI and PF registration, Tax Filling India offers a wide range of tax and accounting services, ensuring that businesses can manage their financial obligations effectively.
Tax Filling India has revolutionized the process of registering for ESI and PF by leveraging technology and simplifying the procedures. Employers can now register for ESI and PF effortlessly, save time, and ensure compliance with the regulatory framework. With its user-friendly interface, automated processes, expert support, and additional services, TaxFillingIndia has become the go-to platform for employers seeking a seamless and efficient experience. Embrace the convenience of digitalization and let Tax Filling India handle your ESI and PF registration, enabling you to focus on what matters most – growing your business and taking care of your employees' well-being.
Contact Us:
Call: +91 9177706025
Visit: https://taxfillingindia.com/esic-registration-consultants/

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2023.05.30 12:26 BriefNovel6200 2 year old greyhound in an apartment.

Hi everyone, I’m new to this sub so I’m sorry if this question has already been asked. I’m looking to adopt a 2 year old race retired grey. I live in a 2 bed apartment with a small balcony (level 2 of a block) no backyard but plenty of parkland around me. I know greys are known to be apartment dogs, but is this only for older dogs? Or do you think a 2 year old could adapt? I just want him to be happy in his new space! Thanks in advance 😊

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2023.05.30 12:13 rottensausagez Sentimental reason for loving Outlander

I wanted to put this here because of how much good this show has done for me. Season 1 Jamie was who I came to love, and after seeing the highlands portrayed throughout the show is what ultimately made me decide to go visit Scotland. Last year in late September I did just that, and I even secured myself a date from a dating app not thinking much of it.
I’ll jump ahead and ruin the surprise- I canceled every plan for the other countries I wanted to visit after having met him. We were inseparable. The accent was devine and he was amazing through and through. I stayed with him for almost a month, and by the time I decided to go home, we were already talking about logistics of the relationship and agreed on marriage in the future. I know how crazy that sounds and I can still see people doubting it, just a little less now.
I married him! 3 months into knowing each other we married, and I’m now very deep into the visa process to go and live with him in Scotland. This show changed the trajectory of my future, and I loved that it did that. I watch this show now because of how big of a piece it was for me in my relationship. We’ve now been married 6 months, I’ve been able to visit and get to travel all over beautiful Scotland, and I’ve literally found my own Jamie Fraser. So my massive TV crush came true and I still punch myself over that.
And I know how gushy this all sounds, but man do I love my husband and fall further everyday. This show means so much to me for the sentimental reasons alone.
If anyone is considering doing something similar or needs a push to do it, GO TO SCOTLAND. And if you’re feeling it, say you need a tour guide and match with a few to set up dates. I was solo backpacking originally and fast forward to now- my bumble date is my husband.
I seriously love this show and love the community. Just wanted to share because not everyone understands the Outlander aspect when they ask and I start telling them about my husband and I’s story.

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2023.05.30 12:09 ASarcasticEngineer Identify Theft Reparations from Pension Company

Hi all,
I was recently informed by one of my pension companies that they were subject to a "severe data breach earlier this year". In this breach the data quoted below was all obtained. This correlates directly with a huge influx of very targeted emails, many of which quote the data below such as my national insurance number in an attempt to authenticate themselves. I'm therefore certain that my data has not only been stolen but has been in the hands of criminals for several months now.
The company in question have pledged to retreive the data and offered in recompense a one year subscription to a identity theft tracking service. Whilst the tracking service is appreciated, to me it seems that my data is in the hands of criminals and will be for all time. After this year it would appear I'm on my own with regards to the consequences of their failure to adequately protect my data.
Can I persue them for further compensation? At this stage (as far as I'm aware) I haven't suffered any damages other than nuisance and worry. At the very least I would expect a lifetime of identity theft tracking?
Thanks for any help,
Extract from their email to me:
" XXX have identified from their investigations that personal data was “exfiltrated” (i.e., accessed and/or copied) by the hackers. The information accessed includes your title, initial(s), and name, your date of birth, your National Insurance number, your member number and your retirement date."

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2023.05.30 12:08 LoveMangaBuddy Read Exotic Love - Side.15 - MangaPuma

Jung Jaehan, a third-generation chaebol, is an influential person in the entertainment industry and he’s bored to death. Tired of drugs, alcohol, and pleasure, he meets the new movie director Yoon Heegyeom—the same Yoon Heesung, who was a rising rookie actor that retired even at the peak of his acting career because of a drug scandal + ... Read Exotic Love - Side.15 - MangaPuma. Read more at https://mangapuma.com/exotic-love/side-15

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2023.05.30 12:04 mitch_kramer Retirement gift

My dad is finally retiring after 35 or something years flying with the airlines. I am trying to think of something interesting to get him for retirement. I was thinking maybe something that involved the planes he is type rated on? Or maybe something involving the logos of the airlines he has worked for over the years? I'm terrible at thinking of good gifts, but I'd like to get him something nice. Any ideas are welcome.

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2023.05.30 11:57 bigbenis21 Before the NBA Finals, I was wondering what everyone’s All-Playoffs Teams are?

My personal list is:
All-Playoffs First Team
PG - Jamal Murray
SG - Devin Booker
SF - Jimmy Butler
PF - LeBron James
C - Nikola Jokić
All-Playoffs Second Team
PG - Steph Curry
SG - Jalen Brunson
SF - Jayson Tatum
PF - Kevin Durant
C - Anthony Davis
All-Playoffs Third Team
PG - De’Aaron Fox
SG - Caleb Martin
SF - Michael Porter Jr.
PF - Rui Hachimura
C - Kevon Looney

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2023.05.30 11:51 Hidden__Gem 60 [F4M] #DC #DMV looking for an in-person long term relationship

Hi. I'm a divorced, well established Black woman. I chose full retirement in my late 50s to have more time to just enjoy life. I'd like company for the journey.
I'm looking to meet a mature single man (45+; local to my area; unattached emotionally & legally) who appreciates a strong nurturing woman. I prefer to date interracially. I'm NOT looking for quick sex or casual situations.
I'm demisexual, nerdy and have a sense of humor. I enjoy crafting, painting, online gaming, sci-fi and fantasy movies/books etc. I love trying new foods. I have a personal belief system that I keep just that...personal. I am NOT politically conservative.
I live with a chronic invisible disability that impacts my immune system. I'm happy to say more about this as we get acquainted.
Let's connect via text, phone calls and SFW video chats first. If we get along, then we can meet and hang out in person (which is why I need you to be local).
I am a non-smoker, DDF, fully vaxxed and boosted. I wear a mask in crowded indoor spaces. Due to my health situation, I'd need you to take similar precautions should we end up spending time together in public.
If you are in DC (or nearby suburbs) and find interest in what I've written then send me a DM.
https://imgur.io/pfb3oZ6.jpg

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2023.05.30 11:49 stephensmat [TOMT] Book, where the lead character is an imaginary friend, called out of retirement.

I'm looking for a book I read a few years ago, where the lead character is a former 'imaginary friend' to a child. he gets called out of retirement to be the boy's (Now an adult) companion again, because he has to be manipulated in some way.
The book expands on the theme by essentially having a bureaucracy of people who make 'long shot coincidences' happen, to manipulate people. But it's not an evil scheme. in fact, it's mostly benevolent.
Remember that movie 'The Adjustment Bureau'? Think a book version of that. You spill your coffee, and by coincidence that leads you to meeting someone who gets you a new job, or a better home. This book is about the people who know how to make you spill your coffee.
I recall one of the characters was a hitman who had this ability to the extreme. He gets a target, goes to see them, and the target dies in the most unlikeliest of accidents.
There was also a romantic subplot. Someone the main character loved very much, but because of his job, he couldn't actually be with her. Not even be perceived or remembered by her. The love story has a happy ending, I remember that.
I cannot, for the life of me, remember what the book was called.

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2023.05.30 11:48 djpayday What should I do next?

What should my next move be?
Okay here goes nothing. Currently I am a case processor for retirement accounts (ie 401ks). My job entails reviewing documents and determining whether or not they are in good order. I also assist with training our new hires. The training plan is my own and has been successful for two straight classes of new hires. I don’t dislike my job and I really like my managers but the hours are lengthy. I’d like to be more present with my family. With OT I make around 65-70k and I’d like to see that go up or stay the same with less hours. I’m looking for ideas on what my next move is.
Info: No college degree, 34yo, Pennsylvania. Thanks in advance!

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2023.05.30 11:48 Hidden__Gem 60 [F4M] #DC #DMV looking for an in-person long term relationship

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2023.05.30 11:45 Justin_218 [TotK] I need a brief explanation of the plot.

I’m a little confused as to what is happening in Totk. I just finished Botw for the first time last week and I was confused about that as well (I have ADHD so I have a hard time retaining information because I get distracted easily) so I watched a video explaining the story of Botw and all I know is this game takes place after Link defeated Calamity Gannon and they were in the process of rebuilding Hyrule. I need to be filled in on what’s happening because I’m lost. I just completed the Wind temple and I haven’t done anything else. What’s the goal of this game? In Botw it was to take back control of the four Devine beasts to help aid in the fight with Gannon and the end goal being to defeat Gannon. What is the end goal for this game?

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2023.05.30 11:43 Sky-__- Queries and Discussion regarding LCS Walkout

hi i read all pf lcs PA walkout stuff and watched the 4 fourseman episode here are my thought and queries on this matter

A league or a orgs budget is decided at the start of the season and its very difficult to wiggle around it , if lcs and nacl budget was decided at start of the season , how can they find budget for mid season resolutions . and all of their demands dont make sense mid season . shouldnt their demands be more like mid season demands.
Valorant partnership teams receive 1 million dollar in stipends from riot ,LCS since its franchised teams received 3 million dollars this year , if you want to add valorant style promotion and relegation how will it work financially since teams are stuggling with 3 million dollars
why is there no creditablity or blame on lcs orgs who voted for this decision , as much i like hating riot , where is accountablity on them . why is this system failing only in na whereas it is thriving in all major leagues and even in pcs and brazil , isnt this just becaause nacl as a product was worse . if riot screwed over nacl why is it only screwed in na . last year there was a prize pool in champions queue yet hardly na players played in that . even now na champions queue has lowest players . nacl also worked as a semi retirement home as well.
if these changes are applied in na then this will have a global discourse , why is challengers scene in an getting a favourable treatment whereas eu has always operated with no challengers requirement for teams

here are some of my solutions for nacl [ Mid season ]

Add prize pool to na champions queue
increase nacl prize pool .
make it so that nacl players dont count as imports in brazilian or lla scenes .
Create a nacl emote and all of the profits from emotes goes back to challengers players
Create a salary cap for tier 1 pros based on riot stipends so teams have budget to invest in challenger scene .

submitted by Sky-__- to leagueoflegends [link] [comments]

2023.05.30 11:41 spiffysunkist Pension advice Aegon life path flexi

Currently have my work place pension with aegon. Total contributions of 1100 a month and 30 years to retirement.
Originally this was on 100% on aegon lifepath flexi and this starts to taper in from 30 years out adding In fixed income. Currently it is roughly 95% equities and 5% property.
2 years ago I changed to having
50% lifepath
25% 30/70 currency hedged global equity with 29% UK equities
25% world (ex uk) equity
Would you leave at it is or up the world equity to give a higher %
As I am 30 years out I am willing to go with a high risk atm.
Thanks

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2023.05.30 11:32 I-Am-Uncreative Well, they're going to need to update this now that Knights Email is being retired.

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2023.05.30 11:26 dgdelrosario23 Things I Realized About Saving and Investing - iCON 2023 Key Takeaways

I attended #iCon2023 (Investment Conference 2023) last May 27, 2023 and here are some of my takeaways: 1. It's easy to start investing but staying invested is hard. You must really have to remind yourself of your biggest WHY to stay in the course. Kung para sa retirement mo yan, wait until you retire. Kung para sa education ng anak mo yan, don't use it until they go to school. 2. Money not invested is usually money spent. This is true specially dun sa mga matagal na nagwowork at di nasanay mag-save at mag-invest. When I ask my clients magkano na pinakamalaki nila naipon, napapakamot nalang sila tas sasabihing, "oo nga no, ang tagal ko nang nagtratrabaho until now wala pa pala ako naiipon". 3. Invest early, invest wisely, invest regularly. 4. Do not be afraid when the market is down. People that are in the trading industry for so long already saw it a couple of times. This is normal and you must find ways to invest and when to take profit. 5. Crypto is already here and we are still in the early stage. Don't invest yet on the things that you don't know. Study first, do research about it. Look at it as a new revolution of technology and try to invest in it while it is young.
Fun activity: One of the speakers, Dennis Sy, gave everyone a small seed.
Imagine you have it too.. will you choose to cook it so you could have food for the day?
Or you will endure the hunger and choose to plant it and wait for it to reproduce more seeds?
Time is our greatest ally when it comes to saving and investing.
Use it wisely while you still have it.
Start saving today. Study about investing and get started early.
See you on the top!
Btw, if you would like to know more of these stuff, #AlamNa! Set na ng coffee time with me 📷
#Stocks #Bonds #Real Estate #MacroEconomy #PortfolioManagement #Crypto #NFTs #TacticalTrading #Market Outlook

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2023.05.30 11:26 Hidden__Gem 60 [F4M] #WashingtonDC #DMV - looking for an in-person long term relationship

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2023.05.30 11:11 Throwaway_isuseful What to do with €2.5k/m ?

I’ve recently moved to Portugal, as a Portuguese citizen, and I’m setup with NHR.
I’ve got my 6month next egg. (Side question: where’s best to keep this? Are there any banks providing decent savings rates, or should I not even worry?)
Now I’ve got 2.5k every month to save. Is it a case of splitting that into things like: - VWCE on IB/Digiro on 20-30year positions - continue to save cash for a down payment on property (and then rent it out for 2nd income stream) - buy physical gold? - a retirement fund?
And then where do I do all these things? I don’t mind paying fees if the options are more reputable. I do value safety
I’m a bit at a loss and feel ill prepared for this situation! Any advice here would be incredible

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2023.05.30 11:01 AutoModerator Daily General Discussion and Advice Thread - May 30, 2023

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!
If your question is "I have $10,000, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

How old are you? What country do you live in?
Are you employed/making income? How much?
What are your objectives with this money? (Buy a house? Retirement savings?)
What is your time horizon? Do you need this money next month? Next 20yrs?
What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
Any big debts (include interest rate) or expenses?
And any other relevant financial information will be useful to give you a proper answer.

Please consider consulting our FAQ first - https://www.reddit.com/investing/wiki/faq And our side bar also has useful resources.
If you are new to investing - please refer to Wiki - Getting Started
The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List
Check the resources in the sidebar.
Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!

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2023.05.30 10:47 JasonDecanect Decanect Project Update May 2023

Hi everyone 👋🏻
As you may have heard in our Telegram chat we have decided to pivot the project in a new direction.
We have retired our course platform and are now focusing on a totally new utility
We will also be retiring the Decanect coin.com Domain and will solely use www.decanect.com from now on
A redirect has been set up to make this easier
Here’s the important points:
1. As we pivot to a new utility we have shut down our course platform
We will move away from being a Web3 course provider to a Web3 data and analytics provider.
All tools will be custom built in-house by the team
2. To prepare for launch a new tax structure is required
The new taxes are as follows:
5% on buys/5% on sells
1% Team
4% Marketing.
We have also renounced the contract
3. We have rewritten our Whitepaper to reflect the new direction for this project.

Decanect

decanect.gitbook.io

Our new utility is an application that uses custom algorithms to scan and filter all new ERC-20 token launches.

We aim for this tool to protect users from bad investments and help them save time researching good investments
This app is built and deployed, testing is finishing up and we aim to give a preview on Friday 26th May 2023 on Twitter

We have onboarded a Data Scientist to the team who will help us integrate Machine Learning and AI to make our scanning technology more accurate
We will begin updating links on dextools and other places once the new website is live
The public launch will be marketed with AMAs on multiple YT channels and wherever else we can book. And we will also release a promo video, medium article, email newsletter to our 1000+ email list and anything else we think will be beneficial

If you have any questions please drop them in the Telegram .
We hope you enjoy using our new utility and thank you for reading this far 🤝
Decanect Dev Team

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2023.05.30 10:42 Awkward-Wealth5880 retired leader backstory, never seen this before until now

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