I don’t think I would change the amount I held unless it was showing up in a noticeably increasing monthly budget and thus a need to carry more cash to meet the goal of X months savings.
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Ahhh so like “with inflation now we need $4200/mon not $4k so my 6 month e fund needs increased”?
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How far out of range are you for getting a HELOC? Or can you get one and not use it/do the bare minimum revolving use so it’s available if another big house thing breaks?
What helps you sleep?
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I actually have no idea re HELOC. We’ve only been here a little over a year. Looks like our mortgage is about $45k less than out purchase price? It’s probably $90-110k less than what we would appraise for because shit is proper bonkers.
I definitely could not go low cash, but our spending is pretty high this past year (see- move from apartment to home, etc), so our e fund is quite large though.
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Yeah, exactly.
And to the other side, from what I’ve seen, just like with debt repayment (snowball versus highest interest first), any mathematical optimization of lowering the amount of cash you keep on hand to gain a bit of extra return is probably not much in absolute dollar terms.
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I am currently increasing the amount of cash I have, although I would say that’s more about what my expenses are and are about to be, than inflation. We have a lot invested, and at this point it’s more useful to me to have extra cash so I don’t have to touch the invested money, than it is to have less cash and invest more. So, maybe not an answer for you, but at least that’s what I’m doing. 
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I need recommendations for books about adaptive yoga/stretching. Calling @Elle and @katscratch, and maybe @Bracken_Joy has some recs too?
My mom (osteoarthritis and psoriatic arthritis in her hands and wrists, hip surgeries/replacements on both hips, below the knee amputee on one leg, full diabetic neuropathy/nerve damage in other leg requiring a leg brace) really wants to do some yoga – both to stretch out some and get some gentle strength exercises in. She definitely can’t do regular yoga; between the mobility issues with her legs and the arthritis in her hands/wrists, it’s just not a go. I can think of some exercises, but I’m not an expert on this.
I especially want to find her exercises she can do in a chair or in bed, because it’s really really hard for her to get onto or up off of the floor, and because she’s more likely do them if she can just do them whenever she remembers them!
She’s much more likely to use a book than she is to use a website. Bonus for large print (glaucoma) and pictures to show how the exercises are done.
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I started as Admin two companies ago. It was my first none retail job but not what I wanted to do as a career. A position opened up in Accounting (my field) and I moved into that position. So it worked for me. I would maybe try to see if they tent to promote from within.
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We just refinanced our mortgage at 2% (was 3.5%) so at least currently I’m not seeing the higher interest with higher inflation. Is there usually a delay on this. I have no idea how mortgage rates are so low right now! It’s insane.
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I have seen stretching/ exercise on public television where exercises are adapted to be done in a chair. Also I used to watch Lilias (yoga and you) and she was good at showing modified stretches and poses (this is circa late 70s and 80s, also on public TV).
Yes there’s usually a delay! Raising interest rates is one way the Fed tries to curtail inflation. And my understanding is that that’s the institutional rate, which then the individual banks have to change to trickle down to people borrowers.
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I clean my down comforters at a laundro mat every year in the summer. I use a mild soap and very little of it. The downside of it is that the drying takes forever.
I’d do this at home, but my washer/dryer aren’t big enough. Especially the dryer, you need something that the comforter can move in with air around it.
I found instructions online. Not these, but something similar. https://www.thespruce.com/how-to-wash-down-filled-bedding-350482
I do NOT line dry as the down seems to clump. I put in a very low dryer with 2 tennis balls and run it and run it and run it until it doesn’t feel damp at all.
It costs me around $10 at a guess each year. The estimate here https://www.bestcleaners.com/the-best-care-for-down-comforters/ is that it costs $30 and up to have it professionally done.
I dunno about books, but look on YouTube for “chair yoga”. Lots of stretching and some balancing stuff.
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I was just gifted a book that might have some ideas - I’ll skim through it when I get home. The friend that gave it to me said it is very obviously written in a different decade but that the exercises themselves were well thought through.
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There’s lots of “chair yoga for seniors”. I’ve also seen it called “sliver yoga” and stuff like that. I have no specific recommendations though.
I think the keywords you’re looking for are chair yoga and restorative yoga. Maybe also gentle? Personally I get a lot more out of a yoga video than book so no specific suggestions on that front.
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Would you be able to pay for a few lessons for her (zoom) with a teacher? Once the teacher helps your mom modify and know how to move her body, she can follow any chair or lying down series. Sometimes it’s better to get a fairly traditional Hatha yoga book and then do your own modifications.
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I would be willing to, but unfortunately my mom is the opposite of technologically adept OR technologically interested. She doesn’t know how to use Zoom, and although I think she could figure out YouTube she wouldn’t actually do it.
(I wonder if I can find a local teacher who does this who would do a few private at-home lessons? Rural area so that person might not exist, but also could be worth checking.)
@katscratch, very interested in checking out that book if you think it seems good. My mom is also written in a different decade so that’s probably just fine. 
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Hahaha that’s kinda what I was thinking that some of the language my friend noticed as outdated might not be as bothersome
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If it’s the kind of rural where everyone drives, I bet you can find someone. I love Doing adaptive work and so do most teachers I know. @JRA64 do you have any thoughts?
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