Search found 8945 matches

by jacob
Sun Jun 25, 2017 9:10 am
Forum: Health Questions
Topic: Quitting Sugar?
Replies: 8
Views: 303

Re: Quitting Sugar?

I quit cakes and candy between ages 19 and 23 completely because I had some allergic reactions which I've subsequently grown out of. I don't recall any withdrawal, but I was already eating very little (compared to everybody else anyway). I most distinctly remember my first piece of cake (at a physic...
by jacob
Sun Jun 25, 2017 8:35 am
Forum: Inspiration
Topic: An ERE-er in the news!
Replies: 4
Views: 228

Re: An ERE-er in the news!

I keep a scrap book on the wiki in case I'm interviewed or ERE is mentioned. http://wiki.earlyretirementextreme.com/wiki/ERE_In_the_News_and_Around_the_Web For the "what if" question, see http://earlyretirementextreme.com/what-if-everybody-decided-to-work-much-less.html http://forum.earlyretiremente...
by jacob
Sat Jun 24, 2017 8:47 am
Forum: Housing Questions
Topic: Full time RV-ing as a snowbird?
Replies: 13
Views: 494

Re: Full time RV-ing as a snowbird?

Campground (not trailer parks) fees usually follow the schedule where the weekly fee = 6 daily fees and the monthly fee = 3 weekly fees. Daily price depends on location and facilities. A good tourist destination with a pool and minimart is $30-40/day. Podunk with a shared thunderbox is $5-10/day but...
by jacob
Fri Jun 23, 2017 10:16 am
Forum: Politics, and other eternal disagreements
Topic: What values do you value the most?
Replies: 13
Views: 407

Re: What values do you value the most?

You're gonna get a personality profile anyway ;-) https://upload.wikimedia.org/wikipedia/commons/thumb/1/1f/MyersBriggsTypes.png/1200px-MyersBriggsTypes.png Most people will tend to value what/who they are. Typical INTJ values are competence, efficiency, and independence. If you want an even better ...
by jacob
Fri Jun 23, 2017 9:42 am
Forum: Transportation Questions
Topic: Electric self driving vehicles
Replies: 30
Views: 773

Re: Electric self driving vehicles

Another told me that it could be possible to take a cross-country road trip picking up riders along the way. I see a book proposal in that. Also coming in the future: "robofleetinvestors.com" "It's an easy way to make money while you do nothing. Buy a share in a self-driving car on our website and ...
by jacob
Fri Jun 23, 2017 8:53 am
Forum: Housing Questions
Topic: Full time RV-ing as a snowbird?
Replies: 13
Views: 494

Re: Full time RV-ing as a snowbird?

Old anecdotal experience only here. Class A/C don't really hold their value (unless you start really low, I guess, like an 1980s model). It's like car depreciation times X because there's a home on top of it. You buy a home that depreciates like a car. Occasionally, the vehicle part of the RV will h...
by jacob
Fri Jun 23, 2017 8:35 am
Forum: Money Questions
Topic: Actual ways in which a large Index Fund / ETF could "blow up"
Replies: 46
Views: 1720

Re: Actual ways in which a large Index Fund / ETF could "blow up"

I should also mention that in relation to crashes (and here I mean intraday), if something screwy is detected, two things generally happen. 1) Algorithms pulls their quotes. Since algos comprise about 90-95% of all orders in the market(*), the market suddenly becomes very thin. This means that large...
by jacob
Thu Jun 22, 2017 12:05 am
Forum: Money Questions
Topic: Actual ways in which a large Index Fund / ETF could "blow up"
Replies: 46
Views: 1720

Re: Actual ways in which a large Index Fund / ETF could "blow up"

Going back to the OP's original question: Can equity funds or bond funds blow up in the technical sense (e.g. fund company going bankrupt). Sure. It's possible but extremely unlikely. A major one would likely receive a bailout because it's pretty clear than politicians don't really believe that deci...
by jacob
Wed Jun 21, 2017 11:21 pm
Forum: Money Questions
Topic: Actual ways in which a large Index Fund / ETF could "blow up"
Replies: 46
Views: 1720

Re: Actual ways in which a large Index Fund / ETF could "blow up"

Most assets are highly leveraged at the professional level. While retail investors are required to post 50% margin, big investors can post as little as 3-5%. This means that they can control $1,000 worth of stock for $30 (borrowing the other $970), whereas you and I would need to put down $500 (and ...
by jacob
Wed Jun 21, 2017 7:44 pm
Forum: Money Questions
Topic: Actual ways in which a large Index Fund / ETF could "blow up"
Replies: 46
Views: 1720

Re: Actual ways in which a large Index Fund / ETF could "blow up"

@ThisDinosaur - In your response to iDave there's the assumption that individual investors' goal is to set fair prices; as if they are all value investors or some such. (As per the original assumption when the EMH was formulated in the 60s... when that was actually more or less the case, value-inves...
by jacob
Wed Jun 21, 2017 1:41 pm
Forum: Money Questions
Topic: Actual ways in which a large Index Fund / ETF could "blow up"
Replies: 46
Views: 1720

Re: Actual ways in which a large Index Fund / ETF could "blow up"

@ThisDinosaur - Well, it's not a mere assertion. I used to work with this stuff. I'd recommend reading the DMA book above if you really want to know the details. Most investors are generally not concerned about the technical details of how the market actually works at the plumbing level. For most, i...
by jacob
Wed Jun 21, 2017 10:31 am
Forum: Money Questions
Topic: Living in Denmark: tips, challenges and questions
Replies: 51
Views: 4085

Re: Living in Denmark: tips, challenges and questions

As far as I understand the rules (which are constantly changing), I already fall between the cracks in terms of location freedom insofar I desire any pension payments. I'm not really counting on any but I will accept free money if available. I've earned enough points to get a pension (social securit...
by jacob
Wed Jun 21, 2017 9:48 am
Forum: Politics, and other eternal disagreements
Topic: "The opposite of poverty is justice"
Replies: 137
Views: 5044

Re: "The opposite of poverty is justice"

If prison construction was up to me, I'd take a page from the second prison in papillon, the large concrete cell, that the prisoner only leaves for release. Add a shower controlled by the guardroom, a barred window into the cell on each side (most people need human interaction), and an out of reach...
by jacob
Wed Jun 21, 2017 9:38 am
Forum: Transportation Questions
Topic: Electric self driving vehicles
Replies: 30
Views: 773

Re: Electric self driving vehicles

The standard rule is that it takes about 40 years between prototype and widespread commercial implementation. I'd presume/speculate that implementation will be in eventually declaring certain roads (like freeways or primary commuter routes) to be "computer-only". This will be easy and comparable to ...
by jacob
Tue Jun 20, 2017 4:11 pm
Forum: Money Questions
Topic: Actual ways in which a large Index Fund / ETF could "blow up"
Replies: 46
Views: 1720

Re: Actual ways in which a large Index Fund / ETF could "blow up"

My understanding was that when you're holding an index ETF/fund (that actually buys the underlying stocks), vanguard/blackrock/whatever is only holding the stocks for you: if the issuer (Vanguard, Blackrock) bankrupts/explodes/fails catastrophically, YOU still own the underlying stocks. This is mos...
by jacob
Tue Jun 20, 2017 10:32 am
Forum: Money Questions
Topic: Actual ways in which a large Index Fund / ETF could "blow up"
Replies: 46
Views: 1720

Re: Actual ways in which a large Index Fund / ETF could "blow up"

See http://forum.earlyretirementextreme.com/viewtopic.php?t=7650 I don't know if fund companies would actually be able to redeem in-kind as some kind of emergency measure (this would probably be in the small print somewhere). What's happening in practice is that these large companies (Vanguard) are ...
by jacob
Sun Jun 18, 2017 8:34 am
Forum: Lifestyle Questions
Topic: Best packable permanent alternative for a matress?
Replies: 24
Views: 1088

Re: Best packable permanent alternative for a matress?

@GdP - Originally I was thinking "No way!" but here's a guy who compressed a memory foam mattress with a vacuum cleaner!

https://medium.com/@sambrannon01/moving ... cee8d31708
by jacob
Sat Jun 17, 2017 9:47 am
Forum: Lifestyle Questions
Topic: Best packable permanent alternative for a matress?
Replies: 24
Views: 1088

Re: Best packable permanent alternative for a matress?

Tatami is thick (about 1.5") soft straw flooring that's sold in standard sizes. It does not fold or roll. It's flooring material. Not a bed. You could sleep on it like you would sleep on the floor insofar you're into that. Seems a bit silly though---it would be like buying a piece of 4x8 plywood and...
by jacob
Fri Jun 16, 2017 1:41 pm
Forum: DIY Skills Questions
Topic: A Wiki! A Wiki!
Replies: 32
Views: 3037

Re: A Wiki! A Wiki!

@Stahlman - No!
by jacob
Fri Jun 16, 2017 12:31 pm
Forum: Transportation Questions
Topic: Tips for driving on the highway with a cargo van?
Replies: 14
Views: 353

Re: Tips for driving on the highway with a cargo van?

Even if they don't reimburse, moving expenses are likely still deductible on 1040. Keep all receipts (gas, food, ...).
by jacob
Thu Jun 15, 2017 2:14 pm
Forum: Politics, and other eternal disagreements
Topic: Trump - Clown Genius
Replies: 1999
Views: 141629

Re: Trump - Clown Genius

@brute/bryan - I think you missed my point ... or I didn't make it well. When we pick some someone to pull out a tooth, we look to the elite of human tooth-pullers. These are called dentists and we identify them by how they have a DDS or a DMD after their name. I don't know for sure, but it could al...