Search found 100 matches

by herp
Mon Oct 22, 2018 3:30 pm
Forum: Money Questions
Topic: Market Crash?
Replies: 13
Views: 1401

Re: Market Crash?

The international NCAV portfolio (which is a variant of low P/B) that i track is down around 10% this year, but only because the only US NCAV stock in it is up 78%. Otherwise it would be down 14%. Similar to 2007. I was lucky to dodge this bullet as i moved out of the strategy in the first quarter....
by herp
Sat Oct 06, 2018 4:06 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 61
Views: 6508

Re: Journal From A Dane

September: Earned income 1925 Insurance 108 Refund 76 Gift 109 Sale of item 77 Total income 2295 Rent 967 Union + unemployment insurance 91 Utilities 105 Groceries 235 Phone 9 Healthcare 104 Transporation 58 Fees 4 Total expenses 1573 Savings 722 Savings rate 31% At first this might appear to be a b...
by herp
Wed Oct 03, 2018 3:38 pm
Forum: ERE Journals
Topic: DutchGirl's journal
Replies: 502
Views: 95802

Re: DutchGirl's journal

Yup, it would. A new part of life opening up for both of us, where work is just optional. I'm curious what it'll look like. Today I told someone about my plans to quit work in 2-3 years time; or at the very least to reduce the workload a lot. Perhaps do some parttime or seasonal work. It was weird ...
by herp
Tue Sep 18, 2018 12:33 pm
Forum: Money Questions
Topic: Portfolio Charts
Replies: 421
Views: 68053

Re: Portfolio Charts

Thanks everyone! Glad you like it. I admit I'm pretty proud of this one. :D @herp -- Hmm... A little slowness is normal due to the number of charts to update, but the maxed CPU core surprises me as all of the calculations should be handled in the cloud. I've read that some people have also experien...
by herp
Tue Sep 18, 2018 4:12 am
Forum: Money Questions
Topic: Portfolio Charts
Replies: 421
Views: 68053

Re: Portfolio Charts

Impressive work!

However, I'm noticing poor performance when I view the graphs (Annual Returns, Long Term Returns, Drawdowns). One CPU core is constantly maxed out, even when I'm not interacting with them, which results in the interaction being sluggish.
by herp
Sat Sep 15, 2018 11:04 am
Forum: ERE Journals
Topic: FI in Sweden
Replies: 27
Views: 3066

Re: FI in Sweden

Looks great! I think a pure index approach is a great way to go. Yours certianly has rock-bottom costs and very wide diversification. As long as you can stomach the volatility of a full equity approach, it should serve you very well in the long run.
by herp
Mon Sep 03, 2018 10:03 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 61
Views: 6508

Re: Journal From A Dane

August: Earned income 3696 Insurance 42 Refund 12 Total income 3750 Rent 977 Union + unemployment insurance 134 Utilities 44 Taxes 8 Entertainment 8 Groceries 220 Phone 9 Healthcare 281 Transporation 58 Other 6 Total expenses 1745 Savings 2005 Savings rate 53% August was a fairly quiet month. I'm pi...
by herp
Mon Aug 13, 2018 4:21 pm
Forum: ERE Journals
Topic: the dollar journal
Replies: 35
Views: 4058

Re: the dollar journal

Ah, the ever popular dividend income approach. Allow me to provide some arguments against the approach, as I'm not a fan. First, it seeems overly conservative as the effective WR will be lower than needed. Second, it's usually tax inefficient if we're talking normal taxable accounts. Third, you're l...
by herp
Thu Aug 02, 2018 5:06 pm
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 61
Views: 6508

Re: Journal From A Dane

Absolutely true. I do like to go for fast-paced walks and decent bike rides, but since I'm in control of the effort required when doing those things, I tend to not push myself quite enough to become exhausted afterwards. Tired, yes, but not so much that I feel like I could actually sleep. The lumber...
by herp
Thu Aug 02, 2018 12:41 pm
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 61
Views: 6508

Re: Journal From A Dane

July: Earned income 3445 Sale of items 37 Insurance 75 Rent 978 Union + unemployment insurance 92 Food 191 Phone 9 Healthcare 53 Transportation 62 Broadband 126 Other 26 Savings 1537 Savings rate 57% Not much to report for this month. I went ahead and cancelled my broadband subscription, and I'll be...
by herp
Thu Aug 02, 2018 4:00 am
Forum: ERE Journals
Topic: Rube's journal
Replies: 188
Views: 43598

Re: Rube's journal

Hi rube,

I just discovered your journal, and I've only skimmed it so far, but it's been very inspiring to see the rapid progress that you've made.

I hope you continue to make updates in the future, even if they won't be as common as in the past.

Best of luck towards hitting your goal!
by herp
Sat Jul 28, 2018 2:04 pm
Forum: ERE Journals
Topic: the dollar journal
Replies: 35
Views: 4058

Re: the dollar journal

Well... Maybe I should elaborate. I find it hard to "human" in regards to certain paradigmes. Survival/evolution/being an animal paradigme: This one is easy to nail. It's easy to survive, just breathe (should be automatic). Don't starve to death. Breeding; not really important for survival. FIRE pa...
by herp
Sat Jul 28, 2018 9:28 am
Forum: ERE Journals
Topic: the dollar journal
Replies: 35
Views: 4058

Re: the dollar journal

These days it's not unusual to gain or drop 1+ year worth of expenses in a single month (!). Sick. Pretty awesome watching this unfold. I just noticed that trend as well during the correction earlier this year. A daily swing could mean a month or two of expenses. It's a little unsettling at first, ...
by herp
Fri Jul 27, 2018 5:11 am
Forum: ERE Journals
Topic: DutchGirl's journal
Replies: 502
Views: 95802

Re: DutchGirl's journal

Doesn't sound good with the lack of aircon. Good thing I'm off work this week and next week, because it's pretty hot up here in Denmark as well. Those ceilings just won't stop coming apart, will they? Payday is indeed fun! I love thinking about my net worth growing a bit every time I make a contribu...
by herp
Fri Jul 20, 2018 4:08 pm
Forum: Money Questions
Topic: SWR milestone record
Replies: 162
Views: 63749

Re: SWR milestone record

I haven't tallied up actual expenses for the past year, but I'd like to have more spending when I become FI, so my SWR isn't based on actual expenses, but desired spending level.

Currently that sits at 18.75% and it came down below 20% earlier this year.
by herp
Fri Jul 20, 2018 9:08 am
Forum: Money Questions
Topic: Portfolio Charts
Replies: 421
Views: 68053

Re: Portfolio Charts

FWIW, as a dane I find that I've been better off using "high yield" savings account these past years (although the actual yield is very low, at the moment even below 1%). The interest rate has been better than danish government bonds going out to even 10 year duration, and you have no risk if you s...
by herp
Thu Jul 19, 2018 11:06 am
Forum: Money Questions
Topic: Portfolio Charts
Replies: 421
Views: 68053

Re: Portfolio Charts

Bonds/treasuries I'm struggling to find a sensible way to purchase long term bonds. I could purchase domestic long term bonds but I can't find 30-year bonds. Only 10. Is that still long term? The other "low-transaction-cost" option is buying shares in bond funds but most of these offer a mix of sho...
by herp
Tue Jul 17, 2018 9:54 am
Forum: Money Questions
Topic: Portfolio Charts
Replies: 421
Views: 68053

Re: Portfolio Charts

I agree with Mister Imperceptible. I'm not a fan of commodities due to the lack of an internal rate of return. Unlike a bond that pays interest coupons or a stock that is backed by assets, earnings, and dividends.
by herp
Sat Jul 14, 2018 6:41 am
Forum: ERE Journals
Topic: DutchGirl's journal
Replies: 502
Views: 95802

Re: DutchGirl's journal

Well done, DutchGirl! It seems that he's slowly coming over to join us :twisted:

Were you able to get the ceiling issue resolved?
by herp
Thu Jul 05, 2018 5:31 am
Forum: ERE Journals
Topic: Journal From A Dane
Replies: 61
Views: 6508

Re: Journal From A Dane

Hi Eureka, Good tip about the OiSTER approach. I actually looked into it and considered it, but I'm not quite decided yet. I'm currently on an old plan with my ISP that's no longer available and is a pretty good deal for the money, so if I give it up I can't go back to the same plan. The plan is 269...