Search found 57 matches

by Dunkelheit
Wed Feb 06, 2019 2:57 pm
Forum: ERE Journals
Topic: FI or bust; FBeyer.
Replies: 249
Views: 67381

Re: FI or bust; FBeyer.

I joined the forums about three years ago. This is my 1000th post and an overview of what I've learned in those three years... ...which has been A LOT! I fell in love with this journal since the first day I began reading it, but today I have to tell you that you surpassed every expectation I had. I...
by Dunkelheit
Wed Nov 28, 2018 10:07 am
Forum: ERE Journals
Topic: Seppia's journal
Replies: 267
Views: 56081

Re: Seppia's journal

It's great to read you again and see that everything goes well in your life+body, as well as in the new job. Those work-leisure trips make you seem semi-EREd, and having your wife by your side is another extra point. Don't you feel sometimes stressed by accumulating so many kilometres around the glo...
by Dunkelheit
Tue Nov 20, 2018 7:49 am
Forum: ERE Journals
Topic: What I Spend
Replies: 402
Views: 85670

Re: What I Spend

Scott 2 wrote:
Mon Nov 19, 2018 6:49 pm
The article inspired me to price out a Dexcom G6 - looks like around $900 to start, then $350 a month for sensors. Ouch.
Ouch, ouch, a little bit pricey.

$350 a month perpetual using Jacob's formula buys you an additional pancreas to improve glucose disposal :roll:
by Dunkelheit
Mon Nov 19, 2018 9:40 am
Forum: ERE Journals
Topic: What I Spend
Replies: 402
Views: 85670

Re: What I Spend

The data I really want at a consumer level is continuous glucose monitoring. I try to adopt behaviors that limit highs and extreme lows, but it is all qualitative. I am sure having the objective metric available would trigger behavior changes. My a1c was fine last year, but I think managing blood s...
by Dunkelheit
Thu Oct 18, 2018 6:28 am
Forum: Money Questions
Topic: Lump sum vs. DCA
Replies: 11
Views: 2540

Re: Lump sum vs. DCA

IMHO the market doesn't care about the assumptions. You can build a zillion of different scenarios and in some years maybe none of them correspond to reality. Anyway, I wouldn't put all my money in the current market although John Bogle appears at my front door. Another option is to invest a % of th...
by Dunkelheit
Thu Oct 11, 2018 1:52 pm
Forum: ERE Journals
Topic: FI or bust; FBeyer.
Replies: 249
Views: 67381

Re: FI or bust; FBeyer.

Take this link to the Offworld Trading Company discord server, you will need it. :D https://discord.gg/0pQ0rgV4DDFxO2rD There are plenty of people there who will be able to help you much better than I currently can. The top players are not only crazy good, they're also crazy helpful. Thanks! I will...
by Dunkelheit
Thu Oct 11, 2018 11:58 am
Forum: ERE Journals
Topic: FI or bust; FBeyer.
Replies: 249
Views: 67381

Re: FI or bust; FBeyer.

OT: I've just installed Offworld Trading Company. Any advice? (mode total newbie ON).

Hope that you beat me up someday, dude! ;)
by Dunkelheit
Mon Oct 08, 2018 11:05 am
Forum: ERE Journals
Topic: Seppia's journal
Replies: 267
Views: 56081

Re: Seppia's journal

Seppia wrote:
Sat Sep 29, 2018 2:51 pm
Talking about Heavy Metal, I just did a very un-ERE thing and booked two premium tickets for the upcoming italian Metallica date in May in Milan for the wife and I.
Can't wait.
Best ROI ever. I remember myself crying while listening to Fade to Black. Enjoy it, fuckin' enjoy it! ;)
by Dunkelheit
Mon Oct 08, 2018 11:02 am
Forum: ERE Journals
Topic: FI or bust; FBeyer.
Replies: 249
Views: 67381

Re: FI or bust; FBeyer.

Dear FBeyer, I've read your journal all in one go and have to admit it is great, you are really GREAT! Maybe because I see myself closely related to you, with zillions of interests, sometimes anxious/depressed, some days unable to focus, beginning to study data science (any advice?) and many things ...
by Dunkelheit
Tue Jun 19, 2018 1:47 pm
Forum: ERE Journals
Topic: Seppia's journal
Replies: 267
Views: 56081

Re: Seppia's journal

Hi Seppia, your new apartment looks great! The building's fachade gives it an historical appearance. I was also a little bit disappointed when you said the church bell doesn't belong to you :mrgreen:. Are you planning to live there in a more or less nearby future? If we visit northern Italy we would...
by Dunkelheit
Mon Jan 08, 2018 2:12 pm
Forum: Money Questions
Topic: European version of S&P500
Replies: 12
Views: 2159

Re: European version of S&P500

Giving a second think to the fund/ETF advantatges in Spain: in wich cases might you want to move the investments to another fund? If you are a very long term index investor, shouldn't your changes be minimal to none? And about accumulation vs distribution, Seppia makes an interesting point.... PS: ...
by Dunkelheit
Mon Jan 08, 2018 2:08 pm
Forum: Money Questions
Topic: European version of S&P500
Replies: 12
Views: 2159

Re: European version of S&P500

Great points, let me play devil's advocate though: 1- ACC funds pay taxes when you redeem (sell) them, at least here in italy. Over the long run the difference between a distributing and an accumulating funds are minimal (very rough approximation: about one dividend every 10 years in italy). For me...
by Dunkelheit
Fri Jan 05, 2018 5:21 am
Forum: Money Questions
Topic: European version of S&P500
Replies: 12
Views: 2159

Re: European version of S&P500

This Vanguard is what I was looking for, do you have any recommendation for global fund? As a global fund you also have the Vanguard Global Stock Fund ;) I recommend you to open an account in BNP Paribas which is the only bank I know that offers them in Spain for small sums of money (otherwise you ...
by Dunkelheit
Thu Jan 04, 2018 9:08 am
Forum: Money Questions
Topic: European version of S&P500
Replies: 12
Views: 2159

Re: European version of S&P500

Hi Family father, here another spaniard investor. I would like to remark a point that may be very interesting for us, which is not investing in ETFs but in accumulation mutual funds. You have more or less the same Vanguard Europe ETF in its mutual fund version Vanguard European Stock Index Fund . Th...
by Dunkelheit
Sun Dec 31, 2017 9:47 am
Forum: ERE Journals
Topic: Blog from Malaysia
Replies: 37
Views: 7928

Re: Blog from Malaysia

@physdude: Thanks a lot for the advice! we will take a look at Taiping. It sounds an interesting place to visit and it's in the middle of the way between KL and Penang, so maybe we stay there for a couple of days. We had omitted Langkawi because we wanted to visit the eastern islands, but it depends...
by Dunkelheit
Sun Dec 31, 2017 9:09 am
Forum: Lifestyle Questions
Topic: Share your recipes
Replies: 187
Views: 55254

Re: Share your recipes

Thanks for the new recipe!

I was just cooking (some pre-made raviolis) pasta and couldn't stop thinking about you :)

Next time I will try to copy your pasta with shrimps, I promise.
by Dunkelheit
Sun Dec 31, 2017 9:02 am
Forum: ERE Community
Topic: NOW OPEN WORLDWIDE My Christmas gift to the ERE community
Replies: 50
Views: 9031

Re: NOW OPEN WORLDWIDE My Christmas gift to the ERE community

Congrats distracted_at_work! The number seems quite suspicious :mrgreen:
by Dunkelheit
Sat Dec 30, 2017 2:10 pm
Forum: Lifestyle Questions
Topic: Music you like?
Replies: 35
Views: 5182

Re: Music you like?

Seppia wrote:
Sat Dec 30, 2017 3:51 am
Some great seventies music
Ronnie James Dio - Rainbow In The Dark
https://youtu.be/qcWKZTI9OC4
Oh yeah! Dio and Black Sabbath are f****** awesome :twisted:
by Dunkelheit
Wed Dec 27, 2017 10:31 am
Forum: ERE Journals
Topic: Blog from Malaysia
Replies: 37
Views: 7928

Re: Blog from Malaysia

Thanks for sharing your new retired life with us. After reading your journal, Malaysia seems a very good option to retire not-so-frugal style (depending on the city) enjoying some western "luxuries" plus the capital gains taxation. I take notes for the future! In one month my wife and I wi...
by Dunkelheit
Tue Dec 26, 2017 9:53 am
Forum: Introduce Yourself
Topic: Hi from Spain
Replies: 32
Views: 7937

Re: Hi from Spain

Hi there, Another spaniard working towards ERE. Making our money in the US and planning in going back home (Basque Country) in 2 years. Mucha suerte! Frugalchicos It's great to read how this forum is becoming more international. Good luck in your path, I wish you come back soon and enjoy the marvel...