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- Wed May 17, 2023 5:45 pm
- Forum: Money and Investment Questions
- Topic: stock market coulda/shoulda/woulda
- Replies: 28
- Views: 3777
- Sun May 07, 2023 3:51 am
- Forum: Money and Investment Questions
- Topic: Silicon Valley Bank fails
- Replies: 97
- Views: 48761
Re: Silicon Valley Bank fails
Markets don't care but the 3 recent bank failures were actually 2nd, 3rd & 4th biggest in US history with combined assets between the 3 much higher than the previous 500 or so failures since 2009 combined. It's probably only a matter of time before there are more failures - will be interesting t...
- Thu May 04, 2023 3:10 pm
- Forum: Money and Investment Questions
- Topic: Active Investors, what is your "routine"?
- Replies: 26
- Views: 3114
Re: Active Investors, what is your "routine"?
It's not particularly high compared with other Northern European countries. The UK has 40% tax above £50000 plus 13% mandatory social security contributions. I suspect Belgium pays for its zero capital gains by somewhat higher income tax. The UK is a tax haven. A contractor on $150k a year can 'emp...
- Mon May 01, 2023 5:26 pm
- Forum: Money and Investment Questions
- Topic: Investments Trade Log
- Replies: 3050
- Views: 774332
Re: Investments Trade Log
When British American Tobacco tells me they make X amount of dollars in bottom line and consistently have paid out 80% of that amount in dividends, I feel comfortable they're not pulling an Enron. If these are the criteria, a company cannibalizing itself by selling down its assets would be 'legit' ...
- Mon May 01, 2023 8:36 am
- Forum: Money and Investment Questions
- Topic: Investments Trade Log
- Replies: 3050
- Views: 774332
Re: Investments Trade Log
Companies borrow to pay dividends all the time. Looks like faking to me.
- Sun Apr 30, 2023 5:22 pm
- Forum: Money and Investment Questions
- Topic: Investments Trade Log
- Replies: 3050
- Views: 774332
Re: Investments Trade Log
These are technically not the same. In the US they are treated differently. In the UK most investments are tax-sheltered (ISAs and pensions) so there's no difference in treatment. However, my point was that many 'dividend investors' think that dividends are some additional value added to their inve...
- Sun Apr 30, 2023 5:02 pm
- Forum: ERE Journals
- Topic: guitar player's journal
- Replies: 475
- Views: 122336
Re: guitar player's journal
Great progress on multiple fronts! Studies I am officially not doing the MSc in Data Science. I will be busy with the investment curriculum. Are you planning a more active investing approach or is it just for increasing understanding? Stoicism Was pondering impermanence of individual life as DW's fr...
- Sun Apr 30, 2023 4:21 pm
- Forum: ERE Journals
- Topic: 3 yrs to FI: ertyu's journal
- Replies: 681
- Views: 101063
Re: 3 yrs to FI: ertyu's journal
At the end of my current contract, if all goes well, I will have saved 25x the median yearly wage in my country of origin. Good job! That's a big milestone and should give a lot of comfort. I was looking at various economic indicators in European countries over the last decade and a half and realiz...
- Wed Apr 26, 2023 12:06 pm
- Forum: Money and Investment Questions
- Topic: Investments Trade Log
- Replies: 3050
- Views: 774332
Re: Investments Trade Log
Once one realizes dividends are not a return on capital but a return of capital, they lose all allure.
- Sat Apr 08, 2023 5:14 am
- Forum: Money and Investment Questions
- Topic: Pension/ annuity vs Index funds?
- Replies: 3
- Views: 627
Re: Pension/ annuity vs Index funds?
A couple of other points to consider: if you transfer out, your pension doesn't stop compounding once you start drawdown (assuming you keep it in stocks and not trade for an annuity) so the upside potential is even higher. Also, most DB pensions only pay while you're alive so no inheritance unlike i...
- Thu Mar 30, 2023 11:28 am
- Forum: Money and Investment Questions
- Topic: Losing your FI to the markets
- Replies: 34
- Views: 5377
- Thu Mar 30, 2023 6:33 am
- Forum: Money and Investment Questions
- Topic: Losing your FI to the markets
- Replies: 34
- Views: 5377
Re: Losing your FI to the markets
Sequence of returns risk looks much differently for someone retiring now vs someone retiring in 2009. Well of course it's hard to beat retiring at the bottom of a bear market at 55% real drawdown, but that's cherry-picking the best (tied with the internet bubble bottom) time to retire in the last h...
- Wed Mar 29, 2023 1:42 pm
- Forum: Money and Investment Questions
- Topic: Losing your FI to the markets
- Replies: 34
- Views: 5377
Re: Losing your FI to the markets
1.08% WR has historically been bulletproof. If you're already diversified globally, you don't even have to worry about home bias working against you, and your time is better spent on leveling up skills and your web of pleasant distractions. Markets fluctuate. Many here, including Jacob, retired on m...
- Mon Mar 20, 2023 3:21 pm
- Forum: Money and Investment Questions
- Topic: Investments Trade Log
- Replies: 3050
- Views: 774332
Re: Investments Trade Log
Something something falling knives...
- Wed Mar 08, 2023 6:04 am
- Forum: Resources & Recommended Reading
- Topic: chatGPT
- Replies: 106
- Views: 19615
Re: chatGPT
Apparently, there's now RadioGPT operated fully by AI, playing music, doing interviews with guests etc. Things are starting to move fast.
- Sun Mar 05, 2023 5:07 pm
- Forum: ERE Journals
- Topic: 3 yrs to FI: ertyu's journal
- Replies: 681
- Views: 101063
Re: 3 yrs to FI: ertyu's journal
In all honesty, what stops me is that a therapist's regular, non-insurance fee is approximately 200 dollars, and if I met them once a week, that's 800 dollars on therapy where ideally, my monthly expenses as a whole would be 500. Why would you hire a US shrink for $200 if you can get one from your ...
- Fri Feb 10, 2023 4:43 am
- Forum: Health and Food Questions
- Topic: Protecting against dementia
- Replies: 97
- Views: 13436
Re: Protecting against dementia
Well the body only needs about 0.5g a day and multiple heath institutions/organisations are recommending to keep intake below 1-1.5g per day while Chinese are recommending 10x what human body needs as a minimum. On the other hand they are also recomending meat, fish, dairy and eggs so the whole thin...
- Fri Feb 10, 2023 3:25 am
- Forum: Health and Food Questions
- Topic: Protecting against dementia
- Replies: 97
- Views: 13436
Re: Protecting against dementia
Creatine's been used very widely for several decades, including by top level athleats. It's reasonable to assume side effects are either non-existant or very rare. Looking at Chinese pagoda, I wonder what do they know that the West doesn't when recommending >5g of salt per day while here the recomme...
- Thu Feb 09, 2023 3:49 am
- Forum: Health and Food Questions
- Topic: Protecting against dementia
- Replies: 97
- Views: 13436
Re: Protecting against dementia
Overall, people with four to six healthy behaviours or two to three were almost 90% and almost 30% respectively less likely to develop dementia or mild cognitive impairment relative to those who were the least healthy, the BMJ reported. Dr Susan Mitchell, head of policy at Alzheimer’s Research UK, ...
- Fri Feb 03, 2023 7:00 am
- Forum: Money and Investment Questions
- Topic: Is it worth trying to beat the market?
- Replies: 17
- Views: 2539
Re: Is it worth trying to beat the market?
I suspect so - the more difficult the environment, the bigger the gap I'd expect between the index and the 'average investor' outcome.