Search found 218 matches

by oldbeyond
Sat Jun 08, 2019 5:13 am
Forum: ERE Journals
Topic: Escaping the shackles (UK)
Replies: 13
Views: 1853

Re: Escaping the shackles (UK)

I guess it depends a lot on the personality of those involved, but I would treat your low living expenses as a temporary windfall and enjoy it as such. In my experience people tend to become weary of such arrangements and others perception of them, especially when children are involved. That said, i...
by oldbeyond
Sat Jun 08, 2019 3:53 am
Forum: Money Questions
Topic: Investments Trade Log
Replies: 1481
Views: 254660

Re: Investments Trade Log

The reasoning seems to be that the long term equity return is also always the short term equity return, making the ever lower discount rates a boon. I don't think we'll get our God-given 8% per annum going forward given what treasury yields are telling us about the economy, but perhaps that's only b...
by oldbeyond
Tue May 07, 2019 11:33 am
Forum: Miscellaneous
Topic: We're doomed. What is the answer?
Replies: 104
Views: 14080

Re: We're doomed. What is the answer?

I rediscovered this post last week, it seemed relevant to the topic: http://archdruidmirror.blogspot.com/201 ... rning.html
by oldbeyond
Sun May 05, 2019 3:18 am
Forum: Lifestyle Questions
Topic: If the "right thing to do" is to not have kids, who do you think IS having kids?
Replies: 82
Views: 8562

Re: If the "right thing to do" is to not have kids, who do you think IS having kids?

Fertility is already low in most developed countries. If you look at subsets of the population by education, income or wealth, it’s even lower for the educated and affluent. I see this line of reasoning more as a rationalization for people who have already decided not to reproduce. It’s not like the...
by oldbeyond
Mon Apr 15, 2019 11:12 am
Forum: Lifestyle Questions
Topic: Reading
Replies: 19
Views: 4610

Re: Reading

I have always been a bit fidgety, when I was I kid my imagination was too lively to allow me to concentrate for too long anyways, but I'm sure the easier kicks of blogs and forums have shortened my attention span somewhat. I think it's rather the constant presence of a smartphone that's done the mos...
by oldbeyond
Mon Apr 15, 2019 11:03 am
Forum: Resources & Recommended Reading
Topic: The Hungry Brain - Stephan J. Guyenet
Replies: 10
Views: 1552

Re: The Hungry Brain - Stephan J. Guyenet

I haven't read the book but going by the SSC article, I think Guyenet's and my views mostly overlap. Some would say that it's wishy-washy or blurry, I'd claim that it's rather the case that it's the nutritionistic drive to identify the bad nutrient (be it saturated fat, carbohydrates, sugar, meat or...
by oldbeyond
Sun Apr 07, 2019 11:03 am
Forum: Money Questions
Topic: Anyone else feeling depressed about global equities 10 year outlook?
Replies: 31
Views: 4571

Re: Anyone else feeling depressed about global equities 10 year outlook?

Mentally, I don't think it's wise to get to hung up on couldabeens. I remember reading some thread over at Bogleheads where some guy had planned out his salary and net worth 30 years out. Then -08 happened, but he was still comparing himself to the blueprint version of himself, a decade later. I don...
by oldbeyond
Sun Apr 07, 2019 10:56 am
Forum: Health Questions
Topic: The easiest eating routine?
Replies: 18
Views: 2673

Re: The easiest eating routine?

There are a few strategies you can employ: Outsourcing. We all do this do some extend (people tend not to make their own cheese or grind their own grains, even around here). Leveraging this further than you currently do will mean greater financial outlays and/or less control (you could theoretically...
by oldbeyond
Mon Apr 01, 2019 12:19 pm
Forum: Health Questions
Topic: Exercise/Fitness Log
Replies: 419
Views: 96897

Re: Exercise/Fitness Log

I'm beginning to see some progress in my lifting. It feels like I have been doing it "forever", but when I actually think about my history, it's been a lot of fits and starts and few periods where I've actually managed to hit the gym even twice a week. So the lack of results were really the expected...
by oldbeyond
Mon Apr 01, 2019 12:06 pm
Forum: Money Questions
Topic: HVAC sales and hurricanes
Replies: 13
Views: 1878

Re: HVAC sales and hurricanes

To quite a considerable extent, the need for A/C can be mitigated by better construction. I guess energy prices will be influential in determining which route is taken, but a lot has changed for builders - more knowledge in the industry, new insulation materials, better windows, heat cameras etc. Ne...
by oldbeyond
Mon Apr 01, 2019 11:56 am
Forum: Money Questions
Topic: Can FIRE folks whip inflation?
Replies: 12
Views: 1838

Re: Can FIRE folks whip inflation?

No one really has the CPI for their inflation rate and I guess we are even more special. For me, transportation expenses are very low and housing is approaching zero inflation (fixed mortgage and a steady HOA fee), and in discretionary areas my skill is likely increasing faster than prices, thus I s...
by oldbeyond
Sun Mar 24, 2019 3:40 am
Forum: Money Questions
Topic: Investments Trade Log
Replies: 1481
Views: 254660

Re: Investments Trade Log

For stocks, I think Hussman (for all his failings in timing) makes some interesting points. Right now P/E:s do not seem all that bad if you take the forward E. But margins tend to mean revert (they've been high recently), and if the economy cools that will also lower earnings. I guess this is the va...
by oldbeyond
Sun Mar 24, 2019 3:26 am
Forum: Money Questions
Topic: Investments Trade Log
Replies: 1481
Views: 254660

Re: Investments Trade Log

@Seppia: I guess there's also a lot of institutional investors (banks, insurance companies etc) who are compelled by regulations to hold "risk free" assets. Also central banks own 15-20% of Eurozone sovereign bond markets (as an example). As consumers we get treated a bit differently. In SEK I could...
by oldbeyond
Fri Mar 22, 2019 11:09 am
Forum: Lifestyle Questions
Topic: Mens Fashion
Replies: 109
Views: 13909

Re: Mens Fashion

I guess for me there's an internal ROI (I guess you call that vanity). I feel better wearing chinos/nice jeans + shirt + sweater + brogues/boots/nice sneakers, so I do. Because of buying quality where it's worth it (shoes, coats, bags, knit sweaters, jeans, belts), thrifting, maintaining/mending and...
by oldbeyond
Sun Mar 17, 2019 6:21 am
Forum: ERE Journals
Topic: oldbeyond's journal
Replies: 39
Views: 8423

Re: oldbeyond's journal

I’ve been reflecting on my motivations for pursuing FI and where I am on the journey. Is it a worthwhile pursuit for me or simply a substitute for something else? When I started out, my aim was mostly to avoid financial disaster. I don’t really remember noticing the financial crisis as it happened (...
by oldbeyond
Sat Mar 16, 2019 5:54 am
Forum: Lifestyle Questions
Topic: Mini-retirements vs ERE?
Replies: 99
Views: 13278

Re: Mini-retirements vs ERE?

I guess workplace culture differs quite a bit between countries. Because of stronger social safety nets and long parental leaves (for both genders), here in Northern Europe it's likely not as big of a deal to take some time off. I have five colleagues (company size ~100) who are or have been on 3 mo...
by oldbeyond
Sat Mar 16, 2019 5:30 am
Forum: ERE Book/Blog/Forum
Topic: The atmosphere of the forum...
Replies: 145
Views: 11960

Re: The atmosphere of the forum...

I think it's natural that by volume, a lot more will be r-level. Otherwise you have a scientific journal (and even they seem to dedicate too much space to fluffy marginal issues). I wholeheartedly support your strategy. I would leave (yes, I understand the enormous weight this statement carries ;)) ...
by oldbeyond
Sat Mar 16, 2019 5:20 am
Forum: Resources & Recommended Reading
Topic: Granola Shotgun
Replies: 41
Views: 6338

Re: Granola Shotgun

This thread got to be about city vs rural/suburban, which is an interesting point of discussion. But that discussion doesn't capture the more interesting aspects of G.S and I don't think it's a fair description of his message, which belongs to the same realm as Permaculture/Emergent Renaissance Ecol...
by oldbeyond
Sun Mar 03, 2019 1:07 pm
Forum: Lifestyle Questions
Topic: Vice's Take on ERE!
Replies: 14
Views: 2308

Re: Vice's Take on ERE!

I think you have to consider the "economics" of this type of journalism. Writing a put-down of a fringe movement is great for piquing your core readers interest ("who are these crazies?"), then you keep them reading with some anxiety ("do I have to completely change my life now!?"), followed by the ...
by oldbeyond
Fri Mar 01, 2019 10:46 am
Forum: Lifestyle Questions
Topic: Mens Fashion
Replies: 109
Views: 13909

Re: Mens Fashion

In my experience, if you manage to buy garments that fit your body, you're definitely a 10%:er. Add some basic sense of which textures, colors and patterns that go together well and you're a few percentage points higher. If you're not working in a field where appearances are very important, and you ...