Search found 148 matches

by bibacula
Thu Jul 28, 2016 5:24 pm
Forum: Money Questions
Topic: The end of the DGI era?
Replies: 14
Views: 2934

Re: The end of the DGI era?

How long can dividend growth increase faster than GDP + inflation? Forever. There are many assets that can be held. To get an investment return of exactly nominal GDP (real GDP plus inflation), you would have to buy all of the assets in the US in the exact proportion owned by all US entities in agg...
by bibacula
Wed Apr 27, 2016 11:56 am
Forum: Money Questions
Topic: Roth IRA vs Taxable Account
Replies: 10
Views: 1943

Re: Roth IRA vs Taxable Account

I used a traditional IRA to lower my tax bill during my working years, then I converted to a Roth IRA after achieving FI. Roth conversions, completed over several years, can be accomplished without paying tax.

So, I'd recommend Option C, a traditional IRA combined with a tax-free Roth conversion.
by bibacula
Mon Oct 19, 2015 8:28 pm
Forum: Money Questions
Topic: Real estate vs. Stocks long term: stocks win by a landslide?
Replies: 56
Views: 13141

Re: Real estate vs. Stocks long term: stocks win by a landslide?

According to Robert Shiller, real estate has appreciated by inflation plus 0.8% (less than 1% real return). Shiller has calculated a real return over 6% for stocks over the past century. While future returns will be different than past performance, I believe that stocks will easily outperform real e...
by bibacula
Fri May 29, 2015 8:53 pm
Forum: Lifestyle Questions
Topic: Deliberately coasting to FI?
Replies: 38
Views: 12166

Re: Deliberately coasting to FI?

I did this inadvertently. A "coasting" lifestyle is really interesting. I was laid-off in 2001 when I had 20x saved (5% withdrawal rate). I decided that I was "FI enough" because I planned to do paid work in the future. I took a few years off to finish my bucket list, then I found interesting work i...
by bibacula
Wed May 13, 2015 7:22 pm
Forum: Lifestyle Questions
Topic: Question about a minimalist diet...
Replies: 12
Views: 2741

Re: Question about a minimalist diet...

I'm not an expert, but I focus on a wide variety and large quantity of veggies every day for maximum nutrition. Whole grains, beans, nuts and seeds provide calories. Fruit and berries make a pleasurable and nutritious dessert. Variety of food provides complete nutrition. A mono diet sounds like a te...
by bibacula
Wed May 13, 2015 4:55 am
Forum: Lifestyle Questions
Topic: Best equips for bicycling in the rain?
Replies: 18
Views: 3127

Re: Best equips for bicycling in the rain?

In warm rainy weather, swim trunks and a thin synthetic shirt are best. For cold rainy weather, use thin synthetic long underwear. Change to street clothes and wring out your riding clothes on arrival. Full fenders are mandatory on all of my bikes. Waterproof clothes trap sweat and should be avoided.
by bibacula
Mon May 11, 2015 10:59 pm
Forum: Housing Questions
Topic: Looking for ideas to live in small(er) apartment
Replies: 12
Views: 4065

Re: Looking for ideas to live in small(er) apartment

fiby41 wrote:Sleep on the floor. Roll up mattress for space.
+1

A futon mattress without the frame works perfectly. This is pretty common in Asia. Works great for kids and back-sleepers. Side-sleepers may need more padding.
by bibacula
Wed May 06, 2015 7:45 am
Forum: Money Questions
Topic: Target FI amount and when one has reached it
Replies: 31
Views: 5490

Re: Target FI amount and when one has reached it

@jennypenny - I worked part-time when I was uncomfortable with my spending/portfolio ratio. I found genuinely enjoyable work, fortunately.
by bibacula
Wed May 06, 2015 2:54 am
Forum: Money Questions
Topic: Target FI amount and when one has reached it
Replies: 31
Views: 5490

Re: Target FI amount and when one has reached it

@jennypenny - The OP asked about the 90-day moving average. That type of measure is what I meant by short-term volatility. I've survived a lousy sequence of returns. (FI in 2001!) @Life of FI - The CAPE ratio was 27.1 in early 1929 and is 27.2 now. Regarding your "safe" Firecalc backcast, "Past perf...
by bibacula
Tue May 05, 2015 4:46 pm
Forum: Money Questions
Topic: Target FI amount and when one has reached it
Replies: 31
Views: 5490

Re: Target FI amount and when one has reached it

Also keep in mind that the author of the article picked a period with started with a bull market (1915) and ended with a bear market (1982) (i.e. a period that would lead to a very poor performance)... This is the point. If you start withdrawals at a period of very high valuation (like TODAY), futu...
by bibacula
Tue May 05, 2015 1:32 am
Forum: Money Questions
Topic: Target FI amount and when one has reached it
Replies: 31
Views: 5490

Re: Target FI amount and when one has reached it

I think you're focused on the wrong risk (short-term volatility). Instead, a multi-decade period of low returns would be far more damaging. Here's a short piece by Brett Arends at Marketwatch: https://secure.marketwatch.com/story/heres-why-expecting-us-stocks-to-make-you-rich-would-be-a-mistake-2015...
by bibacula
Sat May 02, 2015 11:10 pm
Forum: Money Questions
Topic: Target FI amount and when one has reached it
Replies: 31
Views: 5490

Re: Target FI amount and when one has reached it

Is Zarathustra willing to work for money, even a low-status job, if necessary? Would he view it as an adventure? If so, a 3.6% withdrawal rate seems extremely conservative, and market fluctuations won't matter. If not, he should ask himself whether there is such a thing as a "safe" withdrawal rate f...
by bibacula
Sat Apr 04, 2015 4:39 am
Forum: Lifestyle Questions
Topic: Body Exercise Ideas
Replies: 23
Views: 3913

Re: Body Exercise Ideas

Try "You Are Your Own Gym: The Bible of Bodyweight Exercises" by Mark Lauren. It's an excellent source of ideas by a special forces training officer.

Amazon link:
http://www.amazon.com/You-Are-Your-Own- ... 0345528581
by bibacula
Mon Mar 23, 2015 4:32 am
Forum: Lifestyle Questions
Topic: Walking as Transportation
Replies: 132
Views: 20574

Re: Walking as Transportation

I walk 8 mi/day, which takes a little over 2 hours at 3.5 mi/hr. It's my favorite form of transportation! It sounds like you need to work on your posture as you walk. Slouching actually makes walking harder, so keep your head high, chest out and shoulders back when you walk. Better posture and condi...
by bibacula
Thu Mar 19, 2015 4:12 am
Forum: Money Questions
Topic: Recommended corporate bonds and bond funds?
Replies: 16
Views: 3369

Re: Recommended corporate bonds and bond funds?

Corporate bonds are generally a bad deal. You have stock-like risks of credit downgrades and defaults without much upside potential. For proof, check the 10-year returns on treasury bond funds and corporate bond funds at Vanguard or Fidelity. The long-term returns are the same because corporate bond...
by bibacula
Sun Mar 15, 2015 8:28 pm
Forum: Money Questions
Topic: Euro to Dollar?
Replies: 13
Views: 2656

Re: Euro to Dollar?

I'm buying euro index funds. Some of the world's greatest companies are on sale for dollar investors. "Stock up" while the discount lasts. :) Is this something I could do through Vanguard? I'm buying VGK, VEURX and VEUSX through Vanguard. They're all the same fund. The first is an ETF, and the othe...
by bibacula
Fri Mar 13, 2015 10:15 pm
Forum: Money Questions
Topic: Euro to Dollar?
Replies: 13
Views: 2656

Re: Euro to Dollar?

I'm buying euro index funds. Some of the world's greatest companies are on sale for dollar investors. "Stock up" while the discount lasts. :)
by bibacula
Sat Feb 28, 2015 1:35 am
Forum: Skills & Tools Questions
Topic: Alarm clocks
Replies: 13
Views: 4347

Re: Alarm clocks

I'm living as a one-bag perpetual traveler. I've used this Casio travel alarm for hotels/apartments for three years: http://www.amazon.com/CASIO-TQ140-Travel-Alarm-Clock/dp/B00006I55I/ref=sr_1_5?ie=UTF8&qid=1425104642&sr=8-5&keywords=casio+travel+alarm. It's very simple and reliable, but too big for...
by bibacula
Tue Feb 17, 2015 12:51 am
Forum: Politics, and other eternal disagreements
Topic: Peak Oil, Transitioning to Renewables, Carbon Offsets, Collapse, and why I think pessimism has been proven silly
Replies: 35
Views: 7907

Re: Peak Oil, Transitioning to Renewables, Carbon Offsets, Collapse, and why I think pessimism has been proven silly

Peak oil never made sense. It's a meme that has outlived its time. The amount of hydrocarbons in the earth's crust has barely been scratched (literally). Some sources cost more than others, but there is no shortage of gas and oil to extract. Pessimists believe that we will be forced to sit in the da...
by bibacula
Mon Feb 09, 2015 2:08 am
Forum: Money Questions
Topic: Credit Freeze?
Replies: 12
Views: 2792

Re: Credit Freeze?

I paid for a credit freeze last year. Not prompted by anything, I just wanted some protection from identity theft. I've had no problems since, but I haven't needed to open new accounts.