Search found 503 matches

by Chris
Wed Jul 19, 2017 12:43 am
Forum: Health Questions
Topic: Pectus Excavatum
Replies: 10
Views: 371

Re: Pectus Excavatum

I refer to it as "the dent". Never really felt self-conscious about it. In fact, it wasn't until the doctor told me that people feel self-conscious about it that I'd considered that possibility. The male chest I look at the most is my own, so I consider it normal. Growing up, I didn't get any commen...
by Chris
Sat Jul 15, 2017 3:44 pm
Forum: Money Questions
Topic: Umbrella insurance
Replies: 6
Views: 338

Re: Umbrella insurance

It's a good thing to think about. You should be pretty low-risk, since you don't own a lot of things that are likely to injure people. I assume your biggest concern is against some random personal lawsuit, which is a risk because, hey, this is America. FWIW, assets in retirement accounts are protect...
by Chris
Mon Jul 10, 2017 12:46 pm
Forum: Money Questions
Topic: Best bank to open a checking and savings?
Replies: 7
Views: 406

Re: Best bank to open a checking and savings?

The current Chase banking offer isn't that appealing to me. For savings, after 90 days, you get a $200 bonus for depositing $15k. But you need to keep the money in for at least 6 months, or they deduct the bonus. For those 6 months, you have $15k of immovable money earning .01% interest. The current...
by Chris
Sun Jul 09, 2017 8:35 pm
Forum: ERE Journals
Topic: m741's ERE Journal
Replies: 544
Views: 74471

Re: m741's ERE Journal

I've also hit my spending goals on the two new credit cards. Truth be told, I wasn't a huge fan of doing this, my target was $4k in non-rent spending over 3 months, and even paying for joint purchases with the gf and letting her transfer me money (she doesn't have a rewards card), it was tough to h...
by Chris
Sun Jul 09, 2017 8:23 pm
Forum: Lifestyle Questions
Topic: Personal quality and satisfaction of life compared to "best in class"-countries
Replies: 14
Views: 952

Re: Personal quality and satisfaction of life compared to "best in class"-countries

Are you also interested in such indeces, studies, papers? In terms of using it to find a place to live? Not really. Considering the difficulty in accurately scoring a single metric, attempts to score countries on a complex metric seems impossible. For example, even just ranking US states by tax bur...
by Chris
Sat Jul 08, 2017 4:54 pm
Forum: Resources & Recommended Reading
Topic: Translation Dictionary of Idioms
Replies: 8
Views: 458

Re: Translation Dictionary of Idioms

It's won't be complete, but Wiktionary might be helpful: https://en.wiktionary.org/wiki/hot_potato
by Chris
Thu Jul 06, 2017 10:48 pm
Forum: Money Questions
Topic: Taxing Investment Income to fund
Replies: 17
Views: 745

Re: Taxing Investment Income to fund

There's a reason why the NII tax only applies to income levels north of ~$200k: because it would otherwise hit a lot of retired senior citizens. And seniors are the strongest voting bloc. This is why I like qualified dividends, because the likelihood of a tax change is low thanks to a horde of angry...
by Chris
Mon Jul 03, 2017 4:04 pm
Forum: ERE Journals
Topic: ScriptBunny Journal II
Replies: 85
Views: 15583

Re: ScriptBunny Journal II: June 2017

Safety net. A couple weeks ago, my folks helpfully informed me that I'll be sending $1000/month to a relative, possibly for the next year. I'm exaggerating some, they asked and were grateful. But it was expected I'd say yes. Like donations, I will not be including these in my spending updates. Theo...
by Chris
Mon Jun 12, 2017 8:43 am
Forum: ERE Journals
Topic: fuyu's journal
Replies: 37
Views: 5927

Re: fuyu's journal

If you're working from home full time, what difference is there between "working from home in New York" and "working from home in Boston"? What would happen if you moved to Boston and just didn't go into the office? If it hasn't come across already, I rarely ask my manager for things beforehand (-: ...
by Chris
Sun May 14, 2017 9:26 pm
Forum: DIY Skills Questions
Topic: Encryption
Replies: 10
Views: 921

Re: Encryption

If the sites you frequent use HTTPS, the content is encrypted.

The name resolution (DNS) is not encrypted though, and is probably handled by your internet provider. So that would mean they'd know which sites you visit, but not the content (if transmitted by HTTPS).
by Chris
Sat May 13, 2017 11:05 pm
Forum: ERE Journals
Topic: m741's ERE Journal
Replies: 544
Views: 74471

Re: m741's ERE Journal

Not that it's a big deal, but you can't write off donations unless you itemize deductions. I don't think you have a mortgage or property taxes, in which case it's usually hard to hit the itemization threshold unless you have significant charitable donations. True in a lot of the country, but not in...
by Chris
Thu May 11, 2017 8:22 am
Forum: Money Questions
Topic: Semi-sophisticated Scam?
Replies: 5
Views: 564

Re: Semi-sophisticated Scam?

IlliniDave wrote:
Thu May 11, 2017 6:59 am
Yesterday while at work I got a text message from an odd number, 220-00, saying "Your Google verification code is [a six-digit number]".
Yup, I got one of those last week.
by Chris
Fri May 05, 2017 9:13 pm
Forum: ERE Journals
Topic: ScriptBunny Journal II
Replies: 85
Views: 15583

Re: ScriptBunny Journal II: April 2017

I’ve also realized reading lots of pilots how few that I’ve liked. Even for series I’ve liked I’ve found first episodes to be utterly forgettable. Any recommendations for good first episodes out there? Yeah, even for series I like, pilots usually are lame. Sometimes if I didn't jump in at a later e...
by Chris
Fri May 05, 2017 12:09 am
Forum: Lifestyle Questions
Topic: Best city on US East Coast for ERE accumulation phase
Replies: 14
Views: 878

Re: Best city on US East Coast for ERE accumulation phase

Going carless is doable in all those places. Of those cities, car ownership is lowest in NYC, but it's really pretty easy in any city. The real question on that is the tradeoff between higher rent if you don't have a car. The good thing about most of those cities on the list is that they have public...
by Chris
Wed May 03, 2017 1:52 pm
Forum: ERE Book/Blog/Forum
Topic: Forum showing me logged in as different user
Replies: 40
Views: 2199

Re: Forum showing me logged in as different user

jacob wrote:
Wed May 03, 2017 10:49 am
I hired an admin to do the work ... He'll also take over maintenance
Given that, is HTTPS in our future?

When the neurotic forum behavior started, I'd considered that perhaps some password was leaked...
by Chris
Wed May 03, 2017 9:41 am
Forum: ERE Journals
Topic: m741's ERE Journal
Replies: 544
Views: 74471

Re: m741's ERE Journal

As I mentioned, I jumped straight back into the retirement/ERE space ... Other recommendations, of course, would be appreciated. I recently finished reading the Quit Series at Living a FI. He's good at detailing the situation and his mental state realizing he can quit, the actual quitting, and the ...
by Chris
Fri Apr 21, 2017 10:28 pm
Forum: Lifestyle Questions
Topic: Just Fired - What should my next move be?
Replies: 17
Views: 1830

Re: Just Fired - What should my next move be?

just 10 days ago I emptied most of my bank account to max out my Trad IRA and HSA accounts so now I only have enough cash on hand to cover 1.5 month's expenses If that's a 2017 contribution, you can pull that out this year without a penalty. Do you know what your unemployment income would be if you...
by Chris
Wed Apr 19, 2017 10:16 am
Forum: ERE Community
Topic: Boston meetup
Replies: 9
Views: 2021

Re: Boston meetup

I'll be in Boston on 5/7. Any interest in a meetup?
by Chris
Mon Apr 17, 2017 11:09 pm
Forum: ERE Journals
Topic: m741's ERE Journal
Replies: 544
Views: 74471

Re: m741's ERE Journal

suggestions for tools that take in positions in ETFs or target-date funds and spits out asset allocations would be immensely helpful . I had an idea to create a tool like this some years ago (in order to make diversification of mutual fund investments more optimal). In looking around, I only found ...
by Chris
Thu Mar 30, 2017 3:15 am
Forum: Money Questions
Topic: Safest way to beat inflation on an after tax basis.
Replies: 13
Views: 1763

Re: Safest way to beat inflation on an after tax basis.

Muni bonds can give you your desired rate, but will be subject to interest rate risk. And generally bonds aren't the best way to beat inflation; for that, you'd need an asset that doesn't have a fixed payout. If inflation goes to 4%, you won't feel too good about holding a bond fund paying 3.75%. Wh...
by Chris
Sun Mar 05, 2017 2:11 am
Forum: Lifestyle Questions
Topic: What to do when FI
Replies: 65
Views: 4872

Re: What to do when FI

I'de like to get a job, but any real job requires me to work full time ... Any temporary job ... but I'm not even sure I'll need the money How do you rationalize these two? If not money, what is it that a full-time job will provide for you that a temporary job will not? There are quite a few tempor...
by Chris
Sun Mar 05, 2017 2:01 am
Forum: Money Questions
Topic: Trump is president...how can we make money?
Replies: 88
Views: 12200

Re: Trump is president...how can we make money?

Does anyone think Trump's immigration stance will negatively affect Munis, particularly what looks like an unavoidable confrontation with so-called sanctuary cities? Trump's ability to cut off funding to sanctuary cities is much more limited than he says. First, there are legal limits to what the f...
by Chris
Mon Feb 27, 2017 2:31 pm
Forum: ERE Journals
Topic: dull numbers journal
Replies: 28
Views: 2885

Re: dull numbers journal

What is the target goal for your emergency fund?
by Chris
Fri Feb 24, 2017 11:17 am
Forum: ERE Journals
Topic: fuyu's journal
Replies: 37
Views: 5927

Re: fuyu's journal

fuyu wrote:My friends thought it was insane to consider quitting my job before getting a job offer.
But quitting your job without a job offer is the ultimate goal, isn't it? (-:

You should accept the "insane" label as a compliment.