Search found 874 matches

by Gilberto de Piento
Fri Sep 22, 2017 10:46 am
Forum: Money Questions
Topic: Switch to Vanguard Brokerage Account?
Replies: 2
Views: 135

Switch to Vanguard Brokerage Account?

I received the below email from Vanguard regarding a taxable account I have index funds in. There may be more info when I get the invitation email. Should I switch to the brokerage account? For someone who is just doing buy and hold, what's the difference? You'll soon receive an email from us asking...
by Gilberto de Piento
Wed Sep 20, 2017 10:38 am
Forum: ERE Journals
Topic: cmonkey's journal
Replies: 646
Views: 83316

Re: cmonkey's journal

I'm excited for you! Hope the new job goes well.
by Gilberto de Piento
Wed Sep 20, 2017 10:36 am
Forum: ERE Journals
Topic: Gilberto de Piento's Journal
Replies: 252
Views: 43663

Re: Gilberto de Piento's Journal

A stash is like having an employee that goes out and works for you. It is a hot stock market but its nice.

Congrats.
Congrats Gilberto! I think I see the beginnings of a hockey stick bend.
Thanks guys! :D
by Gilberto de Piento
Mon Sep 18, 2017 5:30 pm
Forum: DIY Skills Questions
Topic: ffj's journal II Rope Rescue Technician
Replies: 37
Views: 1383

Re: ffj's journal II Rope Rescue Technician

I'm not sure about a grand unifying theory of knots but you can get training within a given context. For example, the knots ffj gave are enough for multi pitch rock climbing. If you went with an experienced partner a few times you could learn from them and know what to do in common situations. Then ...
by Gilberto de Piento
Sat Sep 16, 2017 9:57 am
Forum: Money Questions
Topic: Equifax hack
Replies: 32
Views: 1986

Re: Equifax hack

by Gilberto de Piento
Fri Sep 15, 2017 9:36 am
Forum: Lifestyle Questions
Topic: Optimizing eating not-at-home expenses?
Replies: 19
Views: 917

Re: Optimizing eating not-at-home expenses?

One Guiness at a bar costs $7. I can buy an entire 6 pack for $7. So what if I just take a beer in my bike cooler and fuck you social conventions? Some of the events are outside or at a large table anyway. I'll buy sweet potato fries or something instead. Sooner or later you are going to get caught...
by Gilberto de Piento
Fri Sep 15, 2017 9:31 am
Forum: Lifestyle Questions
Topic: Internet Use
Replies: 13
Views: 736

Re: Internet Use

I believe that my use of the internet is creating cognitive issues, specifically my ability to concentrate on long form reading and writing.
I have experienced the same issues but I don't have any solution beyond what has already been mentioned.
by Gilberto de Piento
Fri Sep 15, 2017 8:51 am
Forum: ERE Journals
Topic: Gilberto de Piento's Journal
Replies: 252
Views: 43663

Re: Gilberto de Piento's Journal

https://i.imgur.com/ICRr5Pz.png I think I'm going to start celebrating round number net worth achievements here. I hit $210,000 today! I'm really starting to see the compounding work due to recent stock market gains. If I have $200,000 and the market goes up 11% (vtsmx is up 11% this year) I now ha...
by Gilberto de Piento
Wed Sep 13, 2017 8:42 am
Forum: Lifestyle Questions
Topic: How to live out of a suitcase & pack one efficiently?
Replies: 16
Views: 2305

Re: How to live out of a suitcase & pack one efficiently?

It seems that I have some minor skin issues after shaving with razor left at the open space (which was used only 2-3 times). I'm not a medical professional but shaving with a random community razor seems like a really bad idea due to the possibility of blood borne infection. I buy a bag of the chea...
by Gilberto de Piento
Wed Sep 13, 2017 8:36 am
Forum: DIY Skills Questions
Topic: ffj's journal II Rope Rescue Technician
Replies: 37
Views: 1383

Re: ffj's journal II Rope Rescue Technician

Suggestion for the water knot pictures: use two different colors of webbing to make it easier to understand what is going on.
by Gilberto de Piento
Tue Sep 12, 2017 8:47 am
Forum: DIY Skills Questions
Topic: ffj's journal II Rope Rescue Technician
Replies: 37
Views: 1383

Re: ffj's journal II Rope Rescue Technician

This is a fun topic! For just practicing knots 10 to 15 feet is plenty but once I start showing anchor systems and mechanical advantage systems then you'll need more for sure. At the minimum I would say 30 feet but 50 feet would be ideal or you could always buy a standard length at 120 feet. I suspe...
by Gilberto de Piento
Tue Sep 12, 2017 8:37 am
Forum: Housing Questions
Topic: Best way to bow out of an informal lease?
Replies: 12
Views: 682

Re: Best way to bow out of an informal lease?

Great! Sometimes things work out smoothly when you just ask (sometimes not).
by Gilberto de Piento
Tue Sep 12, 2017 8:31 am
Forum: DIY Skills Questions
Topic: Learn to Navigate Urban Areas?
Replies: 9
Views: 460

Re: Learn to Navigate Urban Areas?

Now I am usually the best person in any group for navigating (walking) around urban areas (even when I'm out with folks from the city and I'm new to the city).. plenty of times too when it's late at night in a bar and everyone is pissed and ready to go somewhere and I'll know exactly where to go an...
by Gilberto de Piento
Tue Sep 12, 2017 8:25 am
Forum: ERE Journals
Topic: Gilberto de Piento's Journal
Replies: 252
Views: 43663

Re: Gilberto de Piento's Journal

Do you purposefully write FI and not FIRE, ERE or FF? I'd like to say that I did a lot of thinking about this but really I am just copy/pasting from a tracking spreadsheet that I downloaded from another ERE user. Thinking about it now, "FI" for financial independence seems appropriate for my situat...
by Gilberto de Piento
Sun Sep 10, 2017 1:03 pm
Forum: DIY Skills Questions
Topic: Learn to Navigate Urban Areas?
Replies: 9
Views: 460

Learn to Navigate Urban Areas?

I'm bad at navigating, like when walking and driving. I don't have any skill with cardinal directions or finding my way. I seem to navigate by looking for familiar or expected landmarks rather than cardinal directions or street names. I get turned around easily and forget easily. How do I get better...
by Gilberto de Piento
Fri Sep 01, 2017 9:43 am
Forum: ERE Journals
Topic: Gilberto de Piento's Journal
Replies: 252
Views: 43663

Re: Gilberto de Piento's Journal

August 2017 A good savings rate due to three paychecks and solid internet income but way too much spending due to a vacation and yet another car repair. Jason's earlier comment about cars is proving true, though I'm not sure how do what I want to do without one. I haven't fallen off the wagon but m...
by Gilberto de Piento
Fri Aug 25, 2017 8:33 am
Forum: Resources & Recommended Reading
Topic: "Janesville: An American Story" Book
Replies: 1
Views: 153

"Janesville: An American Story" Book

I'm reading "Janesville: An American Story." It goes through one town's experience losing a large factory during the recession. The book is mostly about the personal stories of how it affected individuals who were depending on those jobs. It's been a good reminder of how fast things can fall apart f...
by Gilberto de Piento
Fri Aug 25, 2017 8:21 am
Forum: Friends & Family Questions
Topic: Economic insecurity
Replies: 12
Views: 1610

Re: Economic insecurity

I would not give this person any money and I wouldn't hold my breath waiting for your good advice to change anything either. In my experience, the issues that look like a crisis to you are a way of life for people like this. They have all of the information and help they need to make things better a...
by Gilberto de Piento
Tue Aug 22, 2017 8:34 am
Forum: ERE Journals
Topic: Gilberto de Piento's Journal
Replies: 252
Views: 43663

Re: Gilberto de Piento's Journal

Damn, I'm spending too much money lately. I just looked at my spreadsheet and it has been six months since I met my goal of spending $1800 or less, let alone the $1500 I was spending for a few months. I really need to get my act together. I know I can do better than this. This month (August) is goin...
by Gilberto de Piento
Tue Aug 22, 2017 8:19 am
Forum: ERE Journals
Topic: Gilberto de Piento's Journal
Replies: 252
Views: 43663

Re: Gilberto de Piento's Journal

Last year I spent close to 10k visiting my dying father. I would have spent every penny I had to be there for him.
Thankfully my situation wasn't to that point but things were really looking bad for a couple of days. I agree with what you are saying.
by Gilberto de Piento
Tue Aug 22, 2017 8:15 am
Forum: DIY Skills Questions
Topic: Backpacing/hitchhiking in South-East Europe
Replies: 10
Views: 944

Re: Backpacing/hitchhiking in South-East Europe

I have a MSR MiniWorks EX filter. It has worked well for me the few times I've used it. You have to prefilter any extreme silt (example: Colorado River) though. Also, it does not filter viruses. It can filter a liter of water in a minute or two depending on how fast you pump. It's about 10 years old...
by Gilberto de Piento
Wed Aug 09, 2017 8:57 am
Forum: Introduce Yourself
Topic: Greetings!
Replies: 2
Views: 615

Re: Greetings!

Welcome!

It is shocking how much work you have to do to buy items that are often worthless in a few short years. Electronics are particularly bad in this regard.
by Gilberto de Piento
Mon Aug 07, 2017 12:18 pm
Forum: Lifestyle Questions
Topic: Durable shoes
Replies: 109
Views: 18270

Re: Durable shoes

I think it would be ok to dry the sleeping bag with a hair dryer as long as you don't get it too hot and melt it. That said, I think it will take a very long time. It usually takes a long time in a real dryer. Go slow and be careful. Can you just hang the bag up and wait? Do you have a fan to help i...
by Gilberto de Piento
Sun Aug 06, 2017 9:01 am
Forum: Transportation Questions
Topic: Best Bicycle Trailer -> Burley Flatbed, Nomad, or Travoy?
Replies: 12
Views: 752

Re: Best Bicycle Trailer -> Burley Flatbed, Nomad, or Travoy?

I use a kid trailer. It works well. Four bags of groceries, 12 pack, milk is fine. Pedaling the weight will be a problem before trailer capacity. Get something with a cover, you can carry more if you can pile things on and then cover all of it up. You don't want your groceries blowing out. Get an ex...