Early Retirement Extreme Forums

Work keeps being great, I’ve now spent a month on the job and I’m liking almost everything I see. It’s not a situation without challenges obviously, but I’m super happy with my choice so far. Crossing fingers. ’m in the first part of my first trip to Asia. The first stop was Hong Kong, and I loved i...

How fast could you repay the loan? Because I'm not sure I would take a longer term loan at variable interest rates in today's world. If you can pay it fast, it seems like a lot of work for little money. Let's say 7 years? Assuming your OTM options cost you 0,3% (I'm pulling this number out of my a$$...

YMOYL is the best book one can read to improve his financial situation if he/she is looking for IKEA-like instructions. It's simple, clear, and provides a proven path to success. I have convinced many people to read the ERE book, most of them get back at me with something along the lines of "WTF thi...

I personally do without, I don't like the artificial smell of anything on me, so I even use a non-scented deodorant. My wife's career is in perfumes, she's worked for a couple of world leaders in fine fragrances product development (google IFF). So I asked her. She says: colognes oxidate after a whi...

I got a 29, but let's have fun with jacob's test Have you lived for more than 15 years in the state you're currently living in? I have lived in 3 different countries in the last 15 years. I guess that's a 5 Do you still live less than 300 miles from where you spent the majority of your childhood? To...

Congrats on the weight loss, what an amazing achievement.

On the financials side, well, I have to say reading yours and many other journals in the last few days (like wolf's) have pushed me to tighten the belt.

Great stuff thanks wolf!

I'm always amazed when I look at the numbers on your journal btw, keep being awesome!

Pics?

I have only known/seen CC with George Fisher, so I don't get the joke unfortunately :( Quick update on finances August has seen a 55% savings rate, so I'm almost back to normal. I fully expect the rest of the year to be at or above 66%, for an average of 40% or so along the year. Definitely not grea...

Thanks for the info

I have moved and with the moving, my isp sent me a new modem because the apartment I occupy now has 120mb fiber connection (I get it for the same price yay). Once upon a time I had set my dns to openDNS but I understand they are now owned by Cisco and they collect data in similar fashion to google. ...

My dress code at work is not relaxed enough (and I’m not fit enough) to make a bike commute doable. The distance is easily manageable (a mostly flat 12km) but I have no chance to shower at work. A scooter is the most cost efficient way to move myself (and DW during weekends). Insurance may sound exp...

Thanks gents!

We have been here in Trieste since august 14th, and now the first week at the new job has gone by. I'm extremely happy with the choice and change. Colleagues seem like very nice people and the overall company culture is super cool. I will not go too much into the details but my new employer is one o...

Let me be the grumpy old man that I am, and look at the other side of the coin. How does “western guy who travels a lot and bangs a lot of chicks while seemingly not working at 30” inspire confidence in a lady? My fear is that slowtraveler may be attracting the wrong kind of girls with his lifestyle...

I am having a learning about Italy summer as I'm headed there next year. I am enjoying the Florentine Renaissance and organized crime genres more than Ancient Rome. Rome > everything. I'm from northern Italy but Rome is on a whole different level. There is no city like Rome in the whole western wor...

I have a simple tracking system in place*, and I think simplicity is the key to consistency. I still track 95%+ (because I may forget something minor from time to time, that’s why I often round up all minor expenses to the next euro) of my spending. *i have a notes file on my phone with my main cate...

No but I had added some PG which had more more less the same trajectory

El Dorado cantina

If I understand your strategy correctly, you invest 50% in passive indicies and 50% in single stocks. How do you evaluate which asset classes to invest in? That is correct. Regarding individual stocks I pick trying to diversify as much as possible, trying to avoid only what’s obviously overvalued a...