Search found 340 matches

by BlueNote
Mon Mar 20, 2017 5:54 pm
Forum: Money Questions
Topic: Global Market Portfolio
Replies: 46
Views: 4941

Re: Global Market Portfolio

@ThisDinosaur Re-Balancing Favours Sideways markets , Adaptive Asset allocation (from the aforementioned Sharpe paper) favours trending markets. over an investors lifetime as the market values of the underlying securities change. The rationale being that the market is the best arbiter of value and r...
by BlueNote
Fri Mar 17, 2017 12:09 pm
Forum: DIY Skills Questions
Topic: Toilet paper and safety razors
Replies: 41
Views: 3257

Re: Toilet paper and safety razors

I use mach 3 razors from Costco. I make them last an extremely long time (around 6 months but could probably go up to a year) by doing the following: 1. I spray rubbing alcohol on the blade before using it, it seems to help with razor burn. 2. Every once in awhile I strop the blade by running it bac...
by BlueNote
Thu Mar 16, 2017 9:55 pm
Forum: Money Questions
Topic: Global Market Portfolio
Replies: 46
Views: 4941

Re: Global Market Portfolio

@ThisDinosaur Lot's of questions there. I'm not an expert or anything so here's my opinion based on my current base of knowledge. I want to note that I don't recommend the GMP investment strategy, nor do I use it. My portfolio is super diversified but I don't invest in foreign bonds due to the curre...
by BlueNote
Thu Mar 16, 2017 9:00 pm
Forum: Money Questions
Topic: Viable Strategy for ERE?
Replies: 7
Views: 782

Re: Viable Strategy for ERE?

Theoretically you could do the ride sharing job, including sleeping/living in the car, and as long as you're maintaining around a 75% savings rate you should become FI in about 5-7 years. That would be one hell of a way to do it though, you'd be at the whim of the competitive forces at play in that ...
by BlueNote
Wed Mar 15, 2017 9:19 pm
Forum: Money Questions
Topic: Global Market Portfolio
Replies: 46
Views: 4941

Re: Global Market Portfolio

@ThisDinosaur The GMP strategy assumes: - Stocks, bonds and real estate are investment assets, everything else isn't or is simply a derivative of those asset classes. - You can't pick stocks/bonds/real estate and expect to beat the market (on a risk adjusted basis) because the market is the sum tota...
by BlueNote
Sat Mar 11, 2017 11:12 pm
Forum: Money Questions
Topic: Cool tool for international investors
Replies: 10
Views: 1337

Re: Cool tool for international investors

I wonder if there's an easy way of comparing these relative valuations to each countries rate of return on debt to get some idea of a country specific equity risk premium. It'd be interesting to see how much extra return these individual country stock markets are offering vs their safest investment ...
by BlueNote
Sat Mar 11, 2017 1:06 pm
Forum: Health Questions
Topic: Anyone have experience with psilocybin mushroom microdosing?
Replies: 14
Views: 967

Re: Anyone have experience with psilocybin mushroom microdosing?

Sounds like a placebo effect to me. I'd need to see very strong scientific evidence (large sample, double blind, peer reviewed and replicated experiments) before I'd ever consider attempting starting a micro dose regimen like that. I figure if these strong scientific results were ever discovered the...
by BlueNote
Fri Feb 10, 2017 7:28 am
Forum: Money Questions
Topic: Bitcoin on the rise
Replies: 81
Views: 6696

Re: Bitcoin on the rise

If we're one day able to process brute force encryption cracking algorithms in "quantum computers", or some other unforeseen technology, would that not cause the value of bit coin to crash? Or on the other hand would it simply cause better encrypted bit coins to be developed, but still wip...
by BlueNote
Sun Feb 05, 2017 4:41 pm
Forum: ERE Journals
Topic: BlueNote's Journal
Replies: 170
Views: 33048

Re: BlueNote's Journal

Not a very good financial advisor For awhile I thought about switching careers and becoming a financial advisor of some sort. However I don't think I'd be very good at the all important client relations part of the business. I guess I'm blunt and to the point, I also don't think I could deal with a...
by BlueNote
Tue Jan 31, 2017 7:06 pm
Forum: Money Questions
Topic: Global Market Portfolio
Replies: 46
Views: 4941

Re: Global Market Portfolio

I updated the link to the example GMP I made in google sheets: https://docs.google.com/spreadsheets/d/ ... sp=sharing
by BlueNote
Fri Jan 27, 2017 8:41 pm
Forum: Lifestyle Questions
Topic: Compare/Contrast Financial/Lifestyle Literature
Replies: 16
Views: 1651

Re: Compare/Contrast Financial/Lifestyle Literature

Reading through your list of financial lifestyles, I think you left out the classic "Have a bunch of children who support you in old age"? That's an idealistic version of the idea. I think what usually happens is: have a bunch of children who support you, on a net basis, in old age. As yo...
by BlueNote
Mon Jan 23, 2017 5:32 pm
Forum: DIY Skills Questions
Topic: Law for Amateurs
Replies: 6
Views: 825

Re: Law for Amateurs

Understand what to do when you are stopped, questioned,arrested,detained by or otherwise interacting with the police. I find most people are surprised at how little they need to comply with. Cops have a way of talking and acting, probably through training, that makes it seem like you'll be in big tr...
by BlueNote
Tue Jan 17, 2017 3:58 pm
Forum: ERE Journals
Topic: Halfmoon's journal
Replies: 240
Views: 17866

Re: Halfmoon's journal

This journal is Awesome! You're a great storyteller and life has given you such a great story to tell, please keep going.You're also the most bad-ass accountant I have come across.
by BlueNote
Mon Jan 16, 2017 10:38 pm
Forum: ERE Journals
Topic: BlueNote's Journal
Replies: 170
Views: 33048

Re: BlueNote's Journal

2016 Financial Performance 70% savings rate! I never thought I would achieve that but here I am. My goal for 2017 is 75% (Yearly Savings/Take home income). Free Forever After I've been devoting some of my time to my blog ( www.freeforeverafter.com ). I'm a bit of a perfectionist so I don't post fre...
by BlueNote
Fri Jan 06, 2017 1:32 pm
Forum: Work & Education
Topic: How long to become a proficient programmer/Can I get hired with a math degree?
Replies: 34
Views: 2661

Re: How long to become a proficient programmer/Can I get hired with a math degree?

In my limited experience programming pay is relatively poor when looked at from an earnings per hour perspective. It's been a good secondary skill for a lot of people (including me). It's very complimentary in many areas so you may be able to command better prices by combining it with your math stre...
by BlueNote
Thu Jan 05, 2017 3:04 pm
Forum: Money Questions
Topic: Catch 22 with Bond Funds
Replies: 5
Views: 742

Re: Catch 22 with Bond Funds

I agree with you. The bond market is reasonably efficient and has interest rate increase probabilities baked into prices. Therefore there's no good reason to try to time the bond market. LTB's do well in a deflationary economic environment and I can't think of any good substitute that could carry th...
by BlueNote
Tue Jan 03, 2017 6:11 pm
Forum: Lifestyle Questions
Topic: Documents to create before death?
Replies: 8
Views: 948

Re: Documents to create before death?

I keep a death folder with all the important stuff (account numbers, legal docs, full personal balance sheet etc.) Safe deposit boxes are pretty much the perfect place to store this kind of stuff. It was a drag to set it up because you're thinking about dying the whole time but I'm glad I have it. M...
by BlueNote
Sat Dec 17, 2016 9:12 pm
Forum: Money Questions
Topic: Margin / Leverage
Replies: 4
Views: 535

Margin / Leverage

Does anyone here use margin or some other form of leverage to get more returns out their stock/bond portfolios? Do you have any advice or tips ? I have observed quite a few people in the investment advice and PF community denouncing any sort of leverage for investing in liquid securities like stocks...
by BlueNote
Fri Dec 16, 2016 7:58 pm
Forum: ERE Book/Blog/Forum
Topic: Can't get hard copy of the book in Toronto
Replies: 4
Views: 1125

Re: Can't get hard copy of the book in Toronto

I keep reading this topic as: "Can't Get Hard..." and I'm wondering why you're asking US about that. :) Freud is apparently always with me these days... I wonder what the ratio is of people that take the time to post about "Can't get hard.." vs. people who just think that I was ...
by BlueNote
Tue Dec 06, 2016 10:15 pm
Forum: Money Questions
Topic: Optimal Withdrawal Strategy Tool
Replies: 1
Views: 396

Optimal Withdrawal Strategy Tool

Does anyone know of a tool that provides guidance on the optimal withdrawal strategy for a portfolio? Most early retirees have several different types of investment accounts that have different rules and constraints on them (think 401K, IRA, government pension, TFSA, RRSP, taxable brokerage etc.). I...
by BlueNote
Fri Dec 02, 2016 10:50 pm
Forum: ERE Book/Blog/Forum
Topic: HTTP ERROR 500 - almost after every click of post button
Replies: 14
Views: 1269

Re: HTTP ERROR 500 - almost after every click of post button

It's all good now the ban has been lifted.Not sure what happened but it sounds like Jacob wants to settle the Hans island dispute with some sort of remote arctic football game. I guess I'm on the hook for organizing my sides team or else the ban will resume.
by BlueNote
Wed Nov 30, 2016 4:03 pm
Forum: ERE Book/Blog/Forum
Topic: HTTP ERROR 500 - almost after every click of post button
Replies: 14
Views: 1269

Re: HTTP ERROR 500 - almost after every click of post button

Yeah I'm getting the "your IP address [x.x.x.x] is blacklisted" message when using my cable isp too. Had to use cell data to post this. Hopefully it'll fix itself in the next few days.
by BlueNote
Tue Nov 22, 2016 9:13 pm
Forum: Money Questions
Topic: US biased investing literature. What can a non-american investor do?
Replies: 22
Views: 2036

Re: US biased investing literature. What can a non-american investor do?

@jacob and @johnbroker Good point on inflation relevance to the individual. Heres a tool to build your own personal inflation rate (for Americans): https://www.umb.edu/editor_uploads/calculator/personal_inflation_calculator.html My rate is about 1.4% vs 1.7% average in USA. My real rate of inflation...
by BlueNote
Mon Nov 21, 2016 9:44 pm
Forum: Money Questions
Topic: US biased investing literature. What can a non-american investor do?
Replies: 22
Views: 2036

Re: US biased investing literature. What can a non-american investor do?

I've considered inflation indexed annuities because of the international variability in stock/bond portfolio safe withdrawal rates. However I can't even find an annuity quote that goes below the age of 50. The next best thing would be a portfolio of inflation adjusted government bonds at the longest...

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