Search found 3543 matches

by IlliniDave
Tue Oct 04, 2022 6:11 am
Forum: ERE Journals
Topic: A Journey of Mindfulness--the Remaking of Life in Midstream.
Replies: 1044
Views: 246452

Re: A Journey of Mindfulness--the Remaking of Life in Midstream.

Wrapping up September. Spending came in 31.1% below annuity income which isn't stellar but I'm happy with it. Withdrawal rate remains 0%. If I can tighten my belt a little over the next 3 months 2021 spending can come in below $40K which was the first level of "dialed-back" spending I used...
by IlliniDave
Mon Oct 03, 2022 8:33 am
Forum: Work & Education
Topic: Escaping statistics: the starkest examples of fields not lending themselves to statistics
Replies: 6
Views: 327

Re: Escaping statistics: the starkest examples of fields not lending themselves to statistics

From an engineering perspective statistics have their place, but it's pretty rare that problems get 'tackled' by them--at least in the sort of engineering I was involved in. They help in defining the problem to be solved (e.g., define the load characteristics a power system has to cover) and assessi...
by IlliniDave
Fri Sep 30, 2022 4:50 pm
Forum: ERE Journals
Topic: A Journey of Mindfulness--the Remaking of Life in Midstream.
Replies: 1044
Views: 246452

Re: A Journey of Mindfulness--the Remaking of Life in Midstream.

Yes and no. ... Thanks, quite a lot of good information there--something I need to study up on over the winter. What I saw some days ago was constrained to an elevation angle of 10-20 degrees, so it probably was a realtively weak display. I've seen photos taken nearby where the visuals extended to ...
by IlliniDave
Fri Sep 30, 2022 4:43 pm
Forum: Money Questions
Topic: The 4% Rule – A Castle in the Air
Replies: 311
Views: 29366

Re: The 4% Rule – A Castle in the Air

... This most recently reared its ugly head in I had a rare moment of good internet yesterday evening and had a chance to listen to my favorite podcasters for the first time since early June. Coincidentally, they spent a lot of time in their most recent episode discussing the same issue and the ric...
by IlliniDave
Fri Sep 30, 2022 4:20 pm
Forum: Lifestyle Questions
Topic: Mental health consequences of ERE
Replies: 32
Views: 1642

Re: Mental health consequences of ERE

Hmm, I thought I responded to this earlier. Either I forgot to submit or it got deleted. I've always had good mental health and retiring has only enhanced it. In general I'd say someone who is having a lot of stress over money/investing should consider not retiring (yet). In my initial response I di...
by IlliniDave
Fri Sep 30, 2022 12:26 pm
Forum: ERE Journals
Topic: A Journey of Mindfulness--the Remaking of Life in Midstream.
Replies: 1044
Views: 246452

Re: A Journey of Mindfulness--the Remaking of Life in Midstream.

Sounds like you saw a Starlink/smallsat satellite train. ... Ah, I looked up some images and yes, that was almost certainly what I saw. Cool. I'm only at about 48 deg N latitude here, dunno if that makes a difference. But the 4 we had visible this summer, none were intense enough for a naked human ...
by IlliniDave
Fri Sep 30, 2022 3:47 am
Forum: ERE Journals
Topic: A Journey of Mindfulness--the Remaking of Life in Midstream.
Replies: 1044
Views: 246452

Re: A Journey of Mindfulness--the Remaking of Life in Midstream.

Woke up in the middle of the night and couldn't get back to sleep so a few random add-ons. For the first time in my adult life I witnessed the aurora borealis a few nights ago. In hindsight I feel foolish--I hadn't realized how much of the spectacular images we see are aided by digital camera tricke...
by IlliniDave
Thu Sep 29, 2022 5:20 am
Forum: ERE Journals
Topic: A Journey of Mindfulness--the Remaking of Life in Midstream.
Replies: 1044
Views: 246452

Re: A Journey of Mindfulness--the Remaking of Life in Midstream.

This weekend I'll be closing down things at the hideout and heading back to the Real World. One day next week once I'm settled I'll update financials when the final numbers are in. Sneak peak would be the portfolio got brutalized again but spending was okay, I think I'll come in 20-25% below annuity...
by IlliniDave
Thu Sep 29, 2022 4:20 am
Forum: Money Questions
Topic: Portfolio Charts
Replies: 526
Views: 149819

Re: Portfolio Charts

... There's no hiding from the pain. The two portfolios that hurt the least are the ones with commodities allocations as oil has carried the day. But yes, it's rough out there. Hey Tyler9000, nice to see you stop by. The chart you shared made me feel a little better. At last check the iDavePhaseIII...
by IlliniDave
Wed Sep 28, 2022 3:46 pm
Forum: Housing Questions
Topic: Housing Affordability Index
Replies: 12
Views: 946

Re: Housing Affordability Index

I.e. Cambridge, MA Yea. Illinois for accumulating and Tennessee for retirement is what I read from this map. Since I'm retiring rather late and therefore expect a relatively short retirement, it seems to make more sense to retire in Illinois after doing most of my accumulting in TN/AL. That way I c...
by IlliniDave
Tue Sep 27, 2022 4:52 pm
Forum: Housing Questions
Topic: Housing Affordability Index
Replies: 12
Views: 946

Re: Housing Affordability Index

Illinois for the win. Until taxes are due :lol: Be interesting to see data for a mortgage payment index as most people seem to buy based on how large of a mortgage payment they can make. I suspect in Illinois relatively low home prices are due in good measure to very high property tax rates. What's...
by IlliniDave
Tue Sep 27, 2022 6:04 am
Forum: Miscellaneous
Topic: ERE Motivation:
Replies: 27
Views: 1794

Re: ERE Motivation:

I wrote a lot about this a number of years ago in my journal. TL/DR: I wanted an escape from too many years of money-driven stress to a simpler more tranquil life. I can only talk about ER because by the time I got headed in that direction it was way too late for "early". Happened fairly q...
by IlliniDave
Tue Sep 27, 2022 5:14 am
Forum: Lifestyle Questions
Topic: Do you dream about money?
Replies: 13
Views: 684

Re: Do you dream about money?

Not once that I can recall. Used to daydream about winning the lottery or some other windfall back in the days when I felt I could barely tread water enough to keep from drowning though.
by IlliniDave
Tue Sep 27, 2022 5:08 am
Forum: Money Questions
Topic: Blackrock calling for the end of the Great Moderation Era
Replies: 16
Views: 1092

Re: Blackrock calling for the end of the Great Moderation Era

This time it's different. Does read a bit like a subtle sales pitch for professional management services--the era of market timing is upon us! I enjoy reading that sort of stuff though. If they are correct I am probably in trouble over the long haul. First time I've seen over-politicization explicit...
by IlliniDave
Sun Sep 25, 2022 11:13 am
Forum: Money Questions
Topic: The 4% Rule – A Castle in the Air
Replies: 311
Views: 29366

Re: The 4% Rule – A Castle in the Air

matchewed wrote:
Sun Sep 25, 2022 7:48 am
Isn't that just the equivalent of taking a company private?
I think that's an option, not sure the technical mechanism to change its status from publicly traded to privately owned. Alternately it could probably go on as-is with the option of issuing new shares in the future to raise capital.
by IlliniDave
Sun Sep 25, 2022 6:45 am
Forum: Money Questions
Topic: The 4% Rule – A Castle in the Air
Replies: 311
Views: 29366

Re: The 4% Rule – A Castle in the Air

Re: buybacks - I have a silly side question: what happens when the company buys back 100% of its stock and effectively owns itself? Who gets put on the board of directors? I'm guessing that, since the owner of company A is company A, the current management gets to decide who the new directors will ...
by IlliniDave
Fri Sep 23, 2022 2:18 pm
Forum: Money Questions
Topic: The 4% Rule – A Castle in the Air
Replies: 311
Views: 29366

Re: The 4% Rule – A Castle in the Air

... The analogous discussions in the dividend-investor space would be "is a high/particular yield safe" and "what is the risk of a dividend cut". These discussions happen less frequently than the SWR discussions. Since dividend-cut threads happen less frequently than the SWR thr...
by IlliniDave
Thu Sep 22, 2022 2:21 pm
Forum: ERE Journals
Topic: Hristo's FI Journal
Replies: 1109
Views: 171640

Re: Hristo's FI Journal

... It's too much. I don't know, the family is a little lost right now wrt the parish thing ... The same basically happened to me. The first was when I tried to find a Parish in the Southeast US. Just a totally different vibe, or I dunno, culture. Just felt wrong, and coincidentally the music was s...
by IlliniDave
Thu Sep 22, 2022 2:03 pm
Forum: ERE Journals
Topic: Hristo's FI Journal
Replies: 1109
Views: 171640

Re: Hristo's FI Journal

... he knows how to sing the psalms (there's a term for this which I don't know) which is an ancient and largely forgotten art but allowed so now his audience gets to hear him sing. ... "Cantor" maybe? That would describe the role of the singer. Gregorian Chant could be the largely forgot...
by IlliniDave
Thu Sep 22, 2022 7:57 am
Forum: Money Questions
Topic: The 4% Rule – A Castle in the Air
Replies: 311
Views: 29366

Re: The 4% Rule – A Castle in the Air

The big question is why ? I thought that paper was poor because the goal of having money last forever is easy. You just go 100% broad stock index and have a 2% or even higher WR. The goal was even more rigid. It was to have all descendants receive identical, unvarying, inflation-adjusted payouts in...