Search found 943 matches

by white belt
Tue Nov 30, 2021 6:33 pm
Forum: ERE Journals
Topic: White Belt's Military Journey to FI
Replies: 228
Views: 35667

Re: White Belt's Military Journey to FI

November Report Income: 8325 (after tax) Savings Rate: 77% Expense Total: 1894 Housing - 800 Food/Restaurant - 376 Dating/Social/Entertainment/Alcohol/Bars – 368 Car/Transportation/Insurance/Travel – 175 Health/Fitness – 71 Other - 65 Cell Phone/Music - 39 Some more travel spending this month due t...
by white belt
Mon Nov 29, 2021 6:12 pm
Forum: ERE Journals
Topic: White Belt's Military Journey to FI
Replies: 228
Views: 35667

Re: White Belt's Military Journey to FI

Example 1: We have pensions, and have made riskier investments with our remaining retirement money than 50-ish year old people should make if they don't have something stable like fully funded pensions. Our brokerage account looks more like a mix that 25yo people might have, risk-wise. Example 2: I...
by white belt
Mon Nov 29, 2021 5:34 pm
Forum: ERE Journals
Topic: White Belt's Military Journey to FI
Replies: 228
Views: 35667

Re: White Belt's Military Journey to FI

The U.S. tax code is peculiar. I've been reading and thinking a lot about my tax situation as we get towards the end of the year. The good news is I'm starting to accumulate some large capital gains on investing positions. The bad news is this means my tax burden will increase. This year it's not mu...
by white belt
Mon Nov 29, 2021 5:12 pm
Forum: ERE Journals
Topic: White Belt's Military Journey to FI
Replies: 228
Views: 35667

Re: White Belt's Military Journey to FI

In my experience, everyone has their games. Rather than driven by ulterior motive, they represent weight of a person's lived experience. Often the person is blind to it. Even after the patterns become clear, attempts to stop probably won't work, because they are so practiced. Part of a relationship...
by white belt
Sun Nov 28, 2021 11:42 pm
Forum: Money Questions
Topic: Hussman shows a risk of 50-66% [US stock]market losses
Replies: 176
Views: 20040

Re: Hussman shows a risk of 50-66% [US stock]market losses

IMHO, there are a few investors who can outperform the market, but in almost all cases, the performance is fleeting and lumpy. Based on your trading activity, I would set up a blind index fund as a control portfolio and measure the performance of your active fund, including the amount of time * som...
by white belt
Sun Nov 28, 2021 10:57 pm
Forum: ERE Journals
Topic: White Belt's Military Journey to FI
Replies: 228
Views: 35667

Re: White Belt's Military Journey to FI

Games People Play - The core content was written in the mid-60's, lightly revised in the mid-90's. It's an interesting read, but as much for recognizing social progress since then, as understanding the author's transactional analysis framework. I agree the book is quite dated, however I do still th...
by white belt
Mon Nov 22, 2021 7:40 pm
Forum: Money Questions
Topic: Investments Trade Log
Replies: 2654
Views: 554943

Re: Investments Trade Log

giskard wrote:
Fri Feb 12, 2021 2:33 pm
Anyway, that's my trade update bought MSOS at the top haha :lol:
Well that MSOS trade hasn't been very profitable if you've held it thus far, but I am considering getting some MSOS if it continues to correct down to the ~$25-26 range.
by white belt
Mon Nov 22, 2021 7:20 pm
Forum: Money Questions
Topic: Investments Trade Log
Replies: 2654
Views: 554943

Re: Investments Trade Log

Hit my stop-loss and sold 70 shares of URNM at $87.25. 3-bagger in 12 months.
by white belt
Mon Nov 22, 2021 5:02 pm
Forum: Money Questions
Topic: Alternate Investing/Trading Styles
Replies: 28
Views: 3037

Re: Alternate Investing/Trading Styles

Another recent factor making these "alternative strategies" less successful for shorter durations is the simplifying of datasets and power of canned programs. In general, what took 20 data analysts one year to produce, took 5 similar professional 5 years ago, takes one person with margina...
by white belt
Sun Nov 21, 2021 10:52 am
Forum: Housing Questions
Topic: Dissatisfaction. Vision. Plan???
Replies: 27
Views: 1867

Re: Dissatisfaction. Vision. Plan???

As for housing, does anyone know of examples of alternative housing that works well in the suburbs? There are only a handful of tracts of land where I might be able to build a microhome. A vehicle could be doable, but it would certainly be less than ideal. The other idea that comes to mind is doing...
by white belt
Thu Nov 18, 2021 4:21 pm
Forum: Money Questions
Topic: Alternate Investing/Trading Styles
Replies: 28
Views: 3037

Re: Alternate Investing/Trading Styles

I have no experience in doing this, so if others have done this sort of work, I'd love to hear about the results. I don't have any experience making trades based on spinoffs, but I know it is one of the indicators that KEDM tracks, so presumably there are traders out there using it to inform some o...
by white belt
Thu Nov 18, 2021 3:53 pm
Forum: Money Questions
Topic: Stop 401k to pay off mortgage?
Replies: 41
Views: 2556

Re: Stop 401k to pay off mortgage?

Futureretiree wrote:
Thu Nov 18, 2021 3:46 pm
Also. How does my 350k 401k stack up at 35 years old? I haven’t been around these forums much and it’s hard to find many individuals numbers to gauge my position
viewtopic.php?p=248983#p248983
by white belt
Thu Nov 18, 2021 2:32 pm
Forum: Money Questions
Topic: Stop 401k to pay off mortgage?
Replies: 41
Views: 2556

Re: Stop 401k to pay off mortgage?

What is your taxable income? I think I'm in agreement with @unemployable; you should just be happy you're getting paid to have a mortgage at the moment with CPI running at >6%. Some people seem to get excited about having a paid off house, but the reality is you are still going to have to pay ongoin...
by white belt
Sat Nov 13, 2021 2:34 am
Forum: ERE Journals
Topic: White Belt's Military Journey to FI
Replies: 228
Views: 35667

Re: White Belt's Military Journey to FI

This issue is tough, and advice can be dangerous. Education has got to be the beginning. My husband and I have been FI for almost 3 years now, and traveling full time for 2. There are investment decisions we make that would be remarkably bad for a lot of other people. Well, in my mind I'm treating ...
by white belt
Thu Nov 11, 2021 1:15 pm
Forum: Work & Education
Topic: Is Software Development/ Programming Oversaturated?
Replies: 52
Views: 3867

Re: Is Software Development/ Programming Oversaturated?

I'm not convinced that production of software and of other digital creations is heavily constrained by physical reality. I can envision an earth where billions of people make games, apps and other software and/or digital art while creating very little waste and consuming little of earth's resources...
by white belt
Wed Nov 10, 2021 5:34 pm
Forum: Skills & Tools Questions
Topic: Anyone make their own yogurt?
Replies: 133
Views: 22142

Re: Anyone make their own yogurt?

@WB I believe the swiss have turned whey into a commercial drink sold as "Rivella". Maybe drink the whey? Yeah you can drink it, but it's basically just sugar water which I don't have much use for with my current lifestyle. I save some to use as starter for the next batch of yogurt and du...
by white belt
Wed Nov 10, 2021 5:29 pm
Forum: Lifestyle Questions
Topic: Winter Heating Challenge/Log
Replies: 39
Views: 2201

Re: Winter Heating Challenge/Log

Possible efficiency gains: ????????. I guess none? I checked into every change i could think of, none of it has payoff for decades or more compared to possible energy savings. Largest % savings would be a water heater, but changing to tankless is definitely not more than a 50% efficiency gain, so s...
by white belt
Wed Nov 10, 2021 4:57 pm
Forum: ERE Journals
Topic: White Belt's Military Journey to FI
Replies: 228
Views: 35667

Re: White Belt's Military Journey to FI

I've been thinking more about investing and trading. I'm quite concerned that I'm currently on top of Mt Stupid so I probably should just stop talking about investing related things and instead focus on just learning more. Since this is my journal and I'm trying to document my journey, I'll still po...
by white belt
Tue Nov 09, 2021 9:53 pm
Forum: Money Questions
Topic: Hussman shows a risk of 50-66% [US stock]market losses
Replies: 176
Views: 20040

Re: Hussman shows a risk of 50-66% [US stock]market losses

If you aren't a fool and you are an active investor and you are educated on finances then my assumption is you are investing for different purposes. Yes, this is what others have been getting at in this thread. Not everyone is playing the same game. For example, if an index drops by 50% and my port...
by white belt
Tue Nov 09, 2021 7:01 pm
Forum: Money Questions
Topic: Hussman shows a risk of 50-66% [US stock]market losses
Replies: 176
Views: 20040

Re: Hussman shows a risk of 50-66% [US stock]market losses

Chapter 7 in Reilly and Brown's Investment Analysis and Portfolio Management has a succinct breakdown of considerations on active vs passive management that I think is relevant to this discussion: A portfolio manager with access to superior analysts who have unique insights and analytical ability sh...