Search found 429 matches

by BlueNote
Sat Feb 17, 2018 11:14 pm
Forum: ERE Journals
Topic: BlueNote's Journal
Replies: 206
Views: 44191

Re: BlueNote's Journal

Baby It sort of behooves me to report in on the baby because there are some regular journal readers (or are they all just clever forum bots created by Jacob) who may be interested. He was born on Feb 11 and came in at ~7lb and 20.5 inches tall. Seems like a perfect specimen health-wise. He's cute: ...
by BlueNote
Sun Feb 04, 2018 7:13 pm
Forum: Lifestyle Questions
Topic: Wealth, money, numbers
Replies: 19
Views: 1613

Re: Wealth, money, numbers

I think these feelings are natural because getting to FIRE requires a different set of financial priorities than does being FIRE. It's good that your feelings have rallied around the savings process and that you recognize that those feelings aren't congruent with the withdrawal phase. This means tha...
by BlueNote
Sun Feb 04, 2018 2:27 pm
Forum: Miscellaneous
Topic: Let's talk about the Fire Service
Replies: 36
Views: 1718

Re: Let's talk about the Fire Service

And I'm certified to install car seats in my state. :) I couldn't do what you do, I get claustrophobic and forget where the fire extinguisher is when there is a small kitchen fire... I get what you mean about the hollywood aspect, in a real fire the smoke makes things almost invisible. I remember s...
by BlueNote
Sun Feb 04, 2018 1:36 pm
Forum: Health Questions
Topic: How to minimize flatulence? :D
Replies: 19
Views: 1720

Re: How to minimize flatulence? :D

The cure for flatulence caused by eating beans is to eat more beans more often allowing the body to adapt. You've got to build up your tolerance, it's like getting into Jazz music, starts off kind of nasty but ends up being a good life decision. Apparently soaking is also unneccesary. http://www.lat...
by BlueNote
Sat Feb 03, 2018 9:53 am
Forum: DIY Skills Questions
Topic: Best coding to learn?
Replies: 30
Views: 1457

Re: Best coding to learn?

Thanks. Yeah, I’ve done a couple of basic websites with—something similar to Wordpress—can’t recall the name just now. That was my “basic html” that I meant. What I’d really like to be able to do is create a certain program—either on or off the web—to handle inputting documents and forms and inputt...
by BlueNote
Fri Feb 02, 2018 8:09 am
Forum: ERE Journals
Topic: BlueNote's Journal
Replies: 206
Views: 44191

Re: BlueNote's Journal

Why is your wife taking 18 months off? Like why that exact number? (not sure if leave or child care is different in canada) Have you discussed splitting the leave time and you taking the back half? That would give each of you time to bond and let her get back to her work sooner. Or both doing half ...
by BlueNote
Thu Feb 01, 2018 10:01 pm
Forum: ERE Journals
Topic: BlueNote's Journal
Replies: 206
Views: 44191

Re: BlueNote's Journal

Last post as a DINK I am going to be a dad in the next week or two. My wife will be induced around Feb 14 at the latest if the baby hasn't come on his own by then. This will be my last post as a DINK (dual income no kids). For the next 18 months my wife will be working as a SAHM and I will continue...
by BlueNote
Fri Jan 26, 2018 9:34 pm
Forum: Money Questions
Topic: Am I evaluating this book value / market price ratio correctly? (Using Apple stock as an example)
Replies: 6
Views: 293

Re: Am I evaluating this book value / market price ratio correctly? (Using Apple stock as an example)

As mentioned Graham used book value to invest. One of his most famous examples was investing in "net-net" stocks. Back in his day you could buy stock in companies where the value of their liquid assets minus all liabilities was higher than the market value of all the stock. If you had enough capital...
by BlueNote
Thu Jan 25, 2018 9:45 pm
Forum: Money Questions
Topic: Paying a professional to handle investments
Replies: 29
Views: 1376

Re: Paying a professional to handle investments

I'd consider using one if they were just paid some reasonable fee to invest according to my allocation. Problem is I don't want to pay thousands of dollars per year to have someone do a few simple calculations, double check those calculations and then execute a trade or two each month. There are no ...
by BlueNote
Sat Jan 13, 2018 10:16 am
Forum: Health Questions
Topic: Quitting Alcohol Pros and Cons
Replies: 16
Views: 1056

Re: Quitting Alcohol Pros and Cons

Anyone quit recently? Anyone successfully go from someone who "drank to get drunk" to someone who enjoyed having one or two and just getting a nice buzz? I always want more than one or two, sadly. I went from typical college level drinking to being a regular drinker to almost no drinking mostly due...
by BlueNote
Fri Jan 12, 2018 4:20 pm
Forum: Friends & Family Questions
Topic: Significant others: Having the talk ...
Replies: 48
Views: 6623

Re: Significant others: Having the talk ...

@Clarice I'd bet lot's of money that this forum is heavily biased towards NT types , I'd also wager that the mode type is INTJ. My wife is SJ according to the test I administered on her. In fact my wife and best friend are both ESTJ types, both like to work in a traditional job a lot more than me wh...
by BlueNote
Sat Jan 06, 2018 12:04 pm
Forum: Money Questions
Topic: Robo-advisors
Replies: 8
Views: 489

Re: Robo-advisors

Personally if I had to get an advisor I'd just get a fee only advisor that does indexing rather than a robo. In Canada there are tax deductions available on the fee's and the advisor can also help with planning, coaching, big purchases, insurance, college for kids etc. They can also advise and help ...
by BlueNote
Sat Jan 06, 2018 11:23 am
Forum: Friends & Family Questions
Topic: Significant others: Having the talk ...
Replies: 48
Views: 6623

Re: Significant others: Having the talk ...

@ Demosthenes I don't know of too many people who will change habits and beliefs that have been built over years just because someone presented some verbal arguments to the contrary. Personally I'd just go ahead and live my life with FI as an objective with the hope, but not the expectation, that my...
by BlueNote
Wed Jan 03, 2018 10:40 pm
Forum: ERE Journals
Topic: BlueNote's Journal
Replies: 206
Views: 44191

Re: BlueNote's Journal

@ Family Father Thanks I hope I am lucky too. I am a terrible person after being awoken from a deep sleep, like a bear roused from hibernation. So I am not looking forward to that part but I guess everyone else has dealt with it somehow and I will figure out what works for me. Work So my boss told m...
by BlueNote
Wed Jan 03, 2018 9:40 pm
Forum: Friends & Family Questions
Topic: How much will you pay for college/have paid for you?
Replies: 25
Views: 1281

Re: How much will you pay for college/have paid for you?

For my kid(s) I will pay as long as they show the aptitude for some sort of education. I'll likely expect them to either live with us or pay for their own room and board though, the only thing I am paying for is tuition and related stuff like certifications, books etc. I live in Toronto so there are...
by BlueNote
Sun Dec 31, 2017 3:38 pm
Forum: Friends & Family Questions
Topic: Economic child raising
Replies: 12
Views: 740

Re: Economic child raising

Get something clear like a big jug and use it as a piggy bank. Being able to see the volume and feel the weight of savings is apparently quite useful for learning because many children/people learn more from the physics of the savings vs the abstract math. It also makes the abstract math easier to c...
by BlueNote
Tue Dec 26, 2017 10:47 am
Forum: Money Questions
Topic: Poll: Fun or Enjoyable Jobs you've had
Replies: 68
Views: 3841

Re: Poll: Fun or Enjoyable Jobs you've had

@kalfatring All of my lowest paid jobs were, by far , the worst jobs. However I only had them between the ages of 12 and 21. Dish washer, line cook, helping clear bush (cutting down and removing tree material), shovelling driveways, yard work, delivering newspapers, other unskilled manual labour. Al...
by BlueNote
Sat Dec 23, 2017 9:46 pm
Forum: ERE Journals
Topic: BlueNote's Journal
Replies: 206
Views: 44191

Re: BlueNote's Journal

@Jason

Thanks

Yeah in my experience emotional gambler types are either in betting mode or reformed-gambler mode. Calculated risks aren't usually part of their preferred approach to money.
by BlueNote
Sat Dec 23, 2017 2:12 pm
Forum: ERE Journals
Topic: BlueNote's Journal
Replies: 206
Views: 44191

Re: BlueNote's Journal

Baby Update I have a baby due in 2 months. The reality of that is really starting to set in for me. I am having trouble sleeping because I worry about it. Good training for the crying baby phase I guess. It's cool to see him moving around. My wife balances her tablet/tablet cover on her stomach whe...
by BlueNote
Sat Dec 23, 2017 7:57 am
Forum: Money Questions
Topic: This is what euphoria feels like
Replies: 21
Views: 1751

Re: This is what euphoria feels like

I wonder how the couple that owned the carpet store fared. At one point they talked about investing their life savings in two small cap stocks based on very little research. The market didn't really crash until 2000 so maybe they actually pulled off a big win, who knows.
by BlueNote
Fri Dec 15, 2017 10:23 pm
Forum: Work & Education
Topic: Studying medicine at 32 yo
Replies: 13
Views: 815

Re: Studying medicine at 32 yo

Becoming an MD, doing the ERE lifestyle and having a kid simultaneously sounds like too much without some serious support. I wouldn't do it without a very supportive and capable spouse /family and possibly a live in nanny. I know it's not ERE sounding but where I am from people with twins often get ...
by BlueNote
Wed Dec 13, 2017 9:16 pm
Forum: Money Questions
Topic: Poll: Fun or Enjoyable Jobs you've had
Replies: 68
Views: 3841

Re: Poll: Fun or Enjoyable Jobs you've had

So this isn't a job per se but more of an interesting application of certain skills in areas where those skills are rare and useful. I work in an accounting/finance environment. The main skill in this environment is financial analysis and people skills. When I come along I bring these skill plus a s...
by BlueNote
Sun Dec 10, 2017 9:29 pm
Forum: Money Questions
Topic: Bitcoin on the rise
Replies: 235
Views: 23628

Re: Bitcoin on the rise

A relative of mine bought 1.3 bit coins a long while back. I do this persons taxes and they didn't tell me about this until recently :? This person did engage me in advance for my advice and I explained crypto investing was akin to gambling. Dog shit has more intrinsic value than bitcoin but I digre...
by BlueNote
Sun Dec 10, 2017 9:33 am
Forum: Friends & Family Questions
Topic: Living with Adult Children
Replies: 19
Views: 1455

Re: Living with Adult Children

The idea that being independent means living in your own home that you pay for with your own job is so highly in embedded in 'anglo' culture that almost nobody but us weirdo's ever examine it critically. I honestly cringe a little bit inside at the idea of my son living with us for a long time. Howe...