Search found 610 matches

by slowtraveler
Wed Jul 18, 2018 2:47 am
Forum: Money Questions
Topic: Portfolio Charts
Replies: 384
Views: 60710

Re: Portfolio Charts

@Wood, what you're proposing is not the golden butterfly as both percents and asset classes differ, albeit with some overlap. You could try leaving the real estate as a separate portfolio and having the golden butterfly for the liquid portion. VUSTX is a long term treasury fund. There should be othe...
by slowtraveler
Sun Jul 15, 2018 10:33 am
Forum: Money Questions
Topic: Dividend Index Funds or Dividend Stocks?
Replies: 24
Views: 1585

Re: Dividend Index Funds or Dividend Stocks?

@Cmonkey What do you think of Altria Group and British American Tobacco? Based on the book by C40, they meet all the criteria: Earnings Growth >5%, Equity>Debt, Payout Ratio <50%, Cash Flow >3X interest payments, Credit Rating>= BBB+, Current Div >1.5x S&P Yield. Plus, I've wanted to hold tobacco st...
by slowtraveler
Fri Jul 13, 2018 7:36 am
Forum: ERE Journals
Topic: Jaguarsfan's Journal
Replies: 14
Views: 775

Re: Jaguarsfan's Journal

You're welcome Juguarsfan. You could use a CPA for one year and then once the return clears, use that return as a framework to guide the other 2 years you can amend, assuming you have 3 eligible years. You could also try another software, maybe freefillableforms by the IRS can do it*. Taxes for expa...
by slowtraveler
Mon Jul 09, 2018 8:39 am
Forum: ERE Journals
Topic: Jaguarsfan's Journal
Replies: 14
Views: 775

Re: Jaguarsfan's Journal

The good news is you're wrong. The amazing news is, you can pay less taxes now and past returns are amendable for a few years. There's a form you can file with your employer to make yourself exempt from further federal tax withholding somewhere on the IRS site, I believe it's Form 673 Statement For ...
by slowtraveler
Sun Jul 08, 2018 9:13 am
Forum: ERE Journals
Topic: Jaguarsfan's Journal
Replies: 14
Views: 775

Re: Jaguarsfan's Journal

I love these expat journals. Good luck man. I started spending $100/day less than a year ago when I followed my Wanderlust and this month, I'm at under $20/day for this month so far. Why the hell are you paying so high taxes? .0765 for FICA, double to .153 if you're self employed. State taxes to 0 i...
by slowtraveler
Sun Jul 08, 2018 5:25 am
Forum: ERE Journals
Topic: C40's Journal
Replies: 919
Views: 172627

Re: C40's Journal

Std testing is more than 99% effective in many cases. Condoms are just under 95% effective in the best cases. They don't protect against many stds including but not limited to hsv 1, hsv 2, molluscum contagiosum, hpv, lice, and syphilis. I've known people who've gotten HIV*, Chlamydia, and pregnant ...
by slowtraveler
Sun Jul 08, 2018 1:34 am
Forum: ERE Journals
Topic: An American Millennial
Replies: 169
Views: 23501

Re: An American Millennial

Post how ever often feels good Viktor, if more feels good, sweet. If not, we still happy to have you on here. Health: 20kg is a big improvement. I've always dragged against my shins since it keeps center of mass more consistent but leaning too far back isn't something I've done. Recording: That's a ...
by slowtraveler
Sun Jul 08, 2018 1:21 am
Forum: ERE Journals
Topic: C40's Journal
Replies: 919
Views: 172627

Re: C40's Journal

Only in the ERE forums is somebody living in a van on under 10k/yr seen as seeking comfort.

@Brute
Seriously?

@C40
Have you checked out vasalgel or RISUG? Coming soon, hopefully.
https://en.wikipedia.org/wiki/Reversibl ... r_guidance
by slowtraveler
Mon Jun 25, 2018 8:46 pm
Forum: Money Questions
Topic: Best way to get rich?
Replies: 36
Views: 2570

Re: Best way to get rich?

You're not even earning the median US household income in this example. You don't need business to hit 1 or 10MM. For 100, you probably do. If you earn the median US household income of 75k after taxes and spend 15k per year. You get 60k/year in savings assuming a little over a Jacob of spending a p...
by slowtraveler
Sun Jun 24, 2018 7:00 am
Forum: ERE Journals
Topic: 2Birds1Stones' 325 day hustle to freedom!
Replies: 163
Views: 18316

Re: 2Birds1Stones' 350 day hustle to freedom!

It's understandable you feel stressed and have a conflict of interests in your desires. You want to get a break and feel attachment to the vacation but life happened.

I hope she feels better soon and you get to enjoy your time off.
by slowtraveler
Sun Jun 24, 2018 6:56 am
Forum: ERE Journals
Topic: SlowTraveler's Journal
Replies: 104
Views: 9169

Re: SlowTraveler's Journal

I'm boring of Thailand. I could go to the beaches or anywhere else but I'm not feeling it. Don't think I'll come back for a while. Girls in Malaysia and Philippines speak way better English and I think Malaysia will have more opportunity for sciencey girls, nature, and food. I've got food poisoning ...
by slowtraveler
Sun Jun 24, 2018 6:33 am
Forum: ERE Journals
Topic: Fish's Enlightenment
Replies: 77
Views: 7248

Re: Fish's Enlightenment

That was heart wrenching. I'm sorry you went through that.

It sounds like some healing has happened for her but I better understand and appreciate your gentle approach to FI with your wife and life plans.
by slowtraveler
Thu Jun 21, 2018 9:26 am
Forum: Transportation Questions
Topic: Travel/Holidays
Replies: 10
Views: 1193

Re: Travel/Holidays

Vans seem to work well for travel within a political unit like USA, South America (if have S American passport), or Europe. C40 has a journal which includes some ERE van travel. For international, 2 passports are really helpful to maximize the countries you can visit without Visa. Look for 90 day Vi...
by slowtraveler
Sun Jun 17, 2018 11:11 am
Forum: Housing Questions
Topic: Living On A Sailboat?
Replies: 10
Views: 1246

Re: Living On A Sailboat?

I'm open to the idea but I love land. I also love swimming in gorgeous warm water but the idea doesn't have a huge appeal to me at this point. A van sounds more appealing as I feel drawn to being in cities at this time.
by slowtraveler
Wed Jun 13, 2018 12:42 am
Forum: Lifestyle Questions
Topic: Moving Early
Replies: 6
Views: 536

Moving Early

I've been employing the theme of maximizing visa-exempt entry time by moving just as a visa-exempt entry is about to expire. I'm now in Thailand and it is the rainy season. I feel down here, I'm in a condo with a kitchen and have food in my home now which means I don't have to leave for food like be...
by slowtraveler
Sun Jun 10, 2018 6:21 am
Forum: Lifestyle Questions
Topic: Is Consciously Deciding Goals Possible?
Replies: 15
Views: 1113

Re: Is Consciously Deciding Goals Possible?

I'm realizing my internal motivation is placing FIRE as number 1. Which definitely has progress every 2 weeks. It seems I have a very limited amount I can consciously decide and that my past experience is largely what determines what is enticing to me vs not. My kegan level isn't a 5 and may not rea...
by slowtraveler
Fri Jun 08, 2018 10:29 am
Forum: Lifestyle Questions
Topic: Is Consciously Deciding Goals Possible?
Replies: 15
Views: 1113

Is Consciously Deciding Goals Possible?

Is Consciously Deciding Goals Possible? This is a very google-able question but google says to do things I've already tried. Is attempting to consciously decide goals possible or does all change occur in the feedback-loops arising in our daily experience? If you've have any success in actually decid...
by slowtraveler
Fri Jun 08, 2018 10:24 am
Forum: ERE Journals
Topic: An American Millennial
Replies: 169
Views: 23501

Re: An American Millennial

Dude, you're doing amazing. Your net asset value keeps climbing on up and soon, you'll have a positive withdrawal rate. I'm proud of the progress you've made on programming. I haven't written a program since my last post out of laziness. This is your competition and you're winning ;) . If you keep u...
by slowtraveler
Fri Jun 08, 2018 12:31 am
Forum: Introduce Yourself
Topic: New girl on the block!
Replies: 15
Views: 1251

Re: New girl on the block!

Welcome. I like your name. It can actually be relatively fast to ERE. Below is a quote I wrote in another forum: All assuming 0% after tax real return and a 4% wr as the target: 50% savings rate: 1yr saved/1yr working~25 years working 60% savings rate: 1.5yrs saved/yr worked~ 17 years working 70% sr...
by slowtraveler
Wed Jun 06, 2018 9:17 pm
Forum: ERE Journals
Topic: journal of wood
Replies: 177
Views: 18201

Re: journal of wood

Seriously sad to hear about your dad. I couldn't imagine that, mine's barely passing 60 and I still miss him living across the world. It sounds like you gf daughter will be okay with some healing time. It's still a lot to process at once and traumatic to have happened. I hear you becoming stronger i...