Low-risk investments as emergency funds
2025.01.20 17:50 cizania Low-risk investments as emergency funds
I have money in a couple of liquidity funds with low-risk investments (treasury bonds), one in my local currency and one in USD (because in my country a lot of commodities are in USD). I keep track of both in YNAB using Tracking accounts in different budgets (one local and one USD), but the problem is the same.
My intention for them:
- Do not loose values in my savings
- Use for emergencies (they are available in less than 72hs if I want them back)
- Use for planned expenses that I will make in less than a year (travel, family plans, etc)
Do you think is a good idea to have them in a budget account?
I am thinking for example that seeing my "emergency fund" category filled will help me focus on other thinks. Now I try to assign money to it, while my tracking account has almost what I consider an emergency fund, and when I roll with the punches, I end up cleaning that category, and maybe I should have being smart when assigning those bills.
Thank you for your time.
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2025.01.20 17:50 Traditional-Agency-1 Future course wishes: my Top Ten
10 Ancient Greece 9 Hollywood Movie set 8 DC universe 7 Museum (ideally The Met in NY) 6 Pompeii 5 Moving trains (imagine a hole halfway through you have to hit your ball to another train) 4 Broadway Musicals every hole a different theatre and show 3. The Beatles 2. Dr Who 1. Post Apocalypse
Main wish keep making giant worlds the last three have felt confined. I love Christmas and it is okay confined, but the outside maps have been lacking lately.
Love holes on Elvis but hate the map.
Can't even stand Mars.
I want the feeling of space like 8 bit Venice Temple....
These details are why I play, to go somewhere that feels real.
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2025.01.20 17:50 PackageFront7117 Shockburst Round and Fresh clip synergy
So there is a trick with Shockburst Round and support gem fresh clip if you go to the skill section with shockburst as the loaded skill and you spam click on any (except fresh clip) of a Shockburst support gem it fully reload the 26 clip a shitload of time, you just need to set up the shock before with lightning rod, or anything you can think of Resulting in this (it goes a little higher but it's hard to get a screen of the pulse section as the game always kick you out to the projectile one
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2025.01.20 17:50 jaytee158 2 Tickets for Leicester Block 322 Sun 26 Jan
Tickets Row 60
Happy to sell for £96 total (£48 each)
I bought them as a OHM+ member, not sure if I can reassign them but will if needed, otherwise screenshot and send.
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2025.01.20 17:50 Specialist-Ad9550 Unsure if my Husband finds my body attractive after having a baby. He hasn't really said. How do I go about this?
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2025.01.20 17:50 sam_sun_14 Looking for a Summer Sublease in Boston/Somerville – $1,000 Budget
Hi!
I'm a 21M looking for a short term single room sublease within a 30 minute drive from the Somerville region (the closer the better) from 05/31/25 - 08/22/25.
I'm just looking for a place to sleep for as cheap as possible ($600-$1000) as I plan to spend most of my time at internship/gym/cafes etc.
Open to sharing a bedroom if needed. Please message me or leave a comment if you're a student looking to sublease for the summer or know of anyone who is.
Thanks for the help!
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2025.01.20 17:50 kwanmeisterflex Just passed the NBCOT, dont know the next steps to take. Imposter syndrome taking over
I successfully passed the NBCOT on my second try, but now after studying for months, i feel so far removed from the profession. A little context, I took the NBCOT a few months after i graduated and did not pass. Crushed by the results, I spent the next several months devoting my days to studying for the next exam. Between the first and second exams i experienced a herniated disc w/ sciatica and had several flare ups where i was put out of commission. Between studying for the NBCOT and my herniated disc, i was unable to work in the meantime. Now that I have passed and started looking for work, i feel removed, uncompetitive and embarrassed of my weak resume. Although i remember my time at my fieldworks, it was quite some time ago. Prior to initially studying for the exam, i worked at a Physical therapy as a PT rehab tech, but that was also some time ago by now. I am feeling lost and could use some input and guidance. Should I look towards certifications to make myself more competitive? Look to shadow a friend who has been an OT? Are there any support/workshops/seminars that can be found through AOTA for newly certified OT's looking to take the next steps? Should i just cast my net, hope to get a hired and establish a peer mentor? What would you do if you were in my situation? i am looking forward to taking the next steps in my life
TLDR: Just passed NBCOT, have a weak resume history, looking to make my self more confident, competent and a competitive job candidate. looking for advice/ support on how to proceed post NBCOT.
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2025.01.20 17:50 iiRxuby No gap between Home Science and Psychology boards for 12th this year.
I know this is not the first time something like this has occurred but are these people that make the timetable seriously stupid?? like how could they keep all those mixed languages like that and two similar subjects together with not even 1 day gap. I seriously got pissed when people are calling it unfair to have 1 or 2 days gap between exams like we wish that could be us. Home Science exam is on 3rd April and Psychology is literally the next day. Both the subjects are heavy, there's a lot of chapters to cover and after Home Science there's literally just few hours to cover all the Psychology chapters and appear for boards. Are we supposed to not sleep?? How are we gonna cover the portions?? I'm seriously frustrated. They could've kept unrelated subjects next to each other, like who has Commerce/Math related subjects (except Marketing) along with Humanities related subjects? They could've kept a Math related subject between the two or something.
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2025.01.20 17:50 WantToTravelMustWork Google Ads leads declining
Anyone else experienced a decline in leads over the last 6 months?
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2025.01.20 17:50 Hxly_Cxw Going Live Later!
Hey everyone! Here's a stream I did the other day! I'll be hopping on later today to play some more Need for Spped! Feel free to drop by the channel and give me a follow! I follow everyone back!
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2025.01.20 17:50 are-a-simp Director of Public Prosecution (DPP) - how to get a job there and what is the expected salary?
Hi.. What are the requirements for working at the DPP office and what will be your role there? And also approximately what will be your salary? Is it a job that pays well? Is it a very stressful job?
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2025.01.20 17:50 grinslietuvs Just some anomalies
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2025.01.20 17:50 Opening_Area_6011 XBOX: hunters ? Anyone want to run? Duo or trios add me QNORTH
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2025.01.20 17:50 19Pnutbutter66 North Hills
Why is no one in the local media asking about the gun that was used by a convicted felon in the North Hills shooting? The gun never left the scene. No questions about how he got it or if it was his.
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2025.01.20 17:50 mythiley I GOT MY FIRST BF
I have no friends to tell, so sharing this here, i got my first bf today 🫶🤞
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2025.01.20 17:50 Consistent_One1596 New day C4C ? Comment user name when done
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2025.01.20 17:50 Badalub Which AI agent to use to become my long term personal assistant ?
I am looking for an AI agent that will last in the time. I am ready to correct him and teach him how to assist me in a most adequate way
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2025.01.20 17:50 Training-Vehicle-695 Oola shows off
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2025.01.20 17:50 turmoilavenue Gat score 67 and percentile 97.98, is this good for masters in psychology?
Hey guys so just looking for suggestions/advice to my question as im really confused rn. I got a score of 67 and a percentile of 97.98 on the GAT and wondering if this will be enough for admission to the clinical psychology masters program. If not, what should I am for, what is enough for admission?
Some people are saying that admissions are based on the percentile some are saying on the score, some saying to retake and some saying this is fine. Any help and answers are welcome. Thank you
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2025.01.20 17:50 david_dauncey Found this little man on my backyard door, what is it exactly? And should I care for it as a pet?
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