Search found 857 matches

by Mister Imperceptible
Sat Jun 15, 2019 5:01 pm
Forum: Politics, and other eternal disagreements
Topic: The benefits of a basic income // much higher min wage
Replies: 269
Views: 28861

Re: The benefits of a basic income // much higher min wage

I don’t see how the belief in Peak Oil and in an eventual breakdown in global supply chains can be reconciled with a dream of equality of outcomes. The current economic structure is built on perpetual exponential growth. If the ice caps are melting and I am with my clan in a mountain citadel, I am u...
by Mister Imperceptible
Fri Jun 14, 2019 10:59 pm
Forum: ERE Journals
Topic: Smelly Swiss Dilettante
Replies: 179
Views: 32656

Re: Smelly Swiss Dilettante

Jean is l'homme de pomme de pin

Приветствую Ярило
by Mister Imperceptible
Thu Jun 13, 2019 10:40 pm
Forum: ERE Journals
Topic: Going blue-collar
Replies: 40
Views: 4724

Re: Going blue-collar

$10,000 invested in AZO in June 1999 would be worth over $382,000 today. Wow.
by Mister Imperceptible
Thu Jun 13, 2019 1:37 pm
Forum: Politics, and other eternal disagreements
Topic: The benefits of a basic income // much higher min wage
Replies: 269
Views: 28861

Re: The benefits of a basic income // much higher min wage

My sister just called asking me how to save money. I told her to stop getting her hair and nails done, stop going out for drinks a few times a week, stop going on so many vacations, and in general stop spending money on things she does not need. She said “Oh, you mean don’t live my life?” She then a...
by Mister Imperceptible
Wed Jun 12, 2019 5:52 pm
Forum: Politics, and other eternal disagreements
Topic: The benefits of a basic income // much higher min wage
Replies: 269
Views: 28861

Re: The benefits of a basic income // much higher min wage

A potential unwinding of the technocratic capital model is that once the masses are sufficiently impoverished there is no one left to buy smartphones. Every pyramid scheme eventually collapses. Economic hardship for the masses might not be so bad, in some ways it forces the masses to be judicious wi...
by Mister Imperceptible
Wed Jun 12, 2019 3:25 pm
Forum: ERE Journals
Topic: Five Years, Lord Willing
Replies: 524
Views: 73900

Re: Five Years, Lord Willing

First of all, the way the algorithms work means you see what YouTube thinks you will want to see based on your internet search history. Second of all, if that gives me any indication of your search history then your computer is already loaded with viruses and you have already seen much worse.
by Mister Imperceptible
Wed Jun 12, 2019 9:00 am
Forum: ERE Journals
Topic: Five Years, Lord Willing
Replies: 524
Views: 73900

Re: Five Years, Lord Willing

Hahahahaha, I am sure you have seen this but just in case you needed inspiration .....I find it fascinating that in the current milieu it is so objectionable to have carved out some success and security for oneself. The end result of Judeo-Christian morality seems to be that any difference in wealth...
by Mister Imperceptible
Sat May 18, 2019 11:41 am
Forum: Money Questions
Topic: What kind of bank account should I open?
Replies: 20
Views: 2900

Re: What kind of bank account should I open?

I have had a local credit union with a military affiliation for over 10 years. Rock solid and the only fees I have ever been charged were where I messed up and overdrafted, and they have refunded the fee every time I have called as a courtesy. I have used Ally online savings and checking the last fe...
by Mister Imperceptible
Sat May 11, 2019 3:53 pm
Forum: Money Questions
Topic: What's The Next Bubble?
Replies: 27
Views: 4497

Re: What's The Next Bubble?

China is quite normal China now has more debt than any country, ever. And that’s saying something because the US has $22 trillion of sovereign debt and over $8 trillion of corporate debt. https://www.bloomberg.com/quicktake/chinas-debt-bomb Regarding the question of “what and where is the bubble,” ...
by Mister Imperceptible
Thu May 09, 2019 10:24 pm
Forum: Friends & Family Questions
Topic: Dealing with a self-destructive friend
Replies: 13
Views: 2108

Re: Dealing with a self-destructive friend

FWIW, a father’s friend hung himself and to this day my father regrets not doing something after he had drifted away. “I could have done more, I did not realize he was that depressed.”

Do you have belief in the soul?
by Mister Imperceptible
Thu May 09, 2019 8:41 am
Forum: Work & Education
Topic: Dealing with abuse at work
Replies: 60
Views: 7293

Re: Dealing with abuse at work

Are you FI yet? Because if you are, that is license to push back. If you could find another job I would push back even if you were not FI. I do not think you would be on the receiving end of this type of treatment unless you have signaled in the past that you are ripe for abuse. I thought the purpo...
by Mister Imperceptible
Thu May 09, 2019 8:09 am
Forum: ERE Journals
Topic: cmonkey's journal
Replies: 889
Views: 158467

Re: cmonkey's journal

Haven’t done a conversion myself so all I could give you is more Google-fu and potentially motivated advice from my CPA. When I tried to articulate my investment outlook to my CPA a few weeks back, he said “Our broker informs us that there is no recession expected in the next 18-24 months.” So if th...
by Mister Imperceptible
Wed May 08, 2019 5:43 pm
Forum: ERE Journals
Topic: cmonkey's journal
Replies: 889
Views: 158467

Re: cmonkey's journal

I believe you can rollover a SEP into a Roth, from what I have read and what my CPA has told me. According to this you can roll a SIMPLE too.

https://www.goodfinancialcents.com/roth ... tax-rules/
by Mister Imperceptible
Wed May 08, 2019 2:19 pm
Forum: Money Questions
Topic: The Rate of Return on Everything 1870 - 2015
Replies: 2
Views: 638

Re: The Rate of Return on Everything 1870 - 2015

@wolf dropped it on the forum early last year. Among key takeaways for me was that rental real estate has better risk-adjusted/less volatile returns than equities, before even accounting for leverage (which though it does not say so in the paper, can enhance returns and also provide time diversifica...
by Mister Imperceptible
Tue May 07, 2019 7:16 pm
Forum: ERE Journals
Topic: cmonkey's journal
Replies: 889
Views: 158467

Re: cmonkey's journal

Congrats on the 1099 life, you will be very happy. Not having to go thru such farces as “setting my goal for this year on the company portal” is a wonderful thing. Extra satisfying after the guy intially said it was salaried only and you just stayed firm :D :D :D The taxes are a pain. I say pay the ...
by Mister Imperceptible
Tue May 07, 2019 4:54 pm
Forum: Lifestyle Questions
Topic: If the "right thing to do" is to not have kids, who do you think IS having kids?
Replies: 82
Views: 8375

Re: If the "right thing to do" is to not have kids, who do you think IS having kids?

The real question is, does Mr. I seduce the retired hedge fund manager and provide her with a 9th child that she desires, or does he seduce the headstrong doctoral candidate with no children and much fewer assets but still expensive tastes? In the first instance I would have to share the woman with ...
by Mister Imperceptible
Sun Apr 21, 2019 1:49 am
Forum: Work & Education
Topic: Dealing with abuse at work
Replies: 60
Views: 7293

Re: Dealing with abuse at work

The toxic masculinity in this thread is invigorating, I want to start packing embarrassing lunches so I can get into it with someone who makes fun of me.
by Mister Imperceptible
Fri Apr 19, 2019 7:21 am
Forum: Work & Education
Topic: Dealing with abuse at work
Replies: 60
Views: 7293

Re: Dealing with abuse at work

If it bothers you enough to have posted here, you cannot really ignore it. Bullies need to be confronted or they are encouraged to continue, as they see you as a passive whipping boy. I favor direct confrontation. Calculate the numbers as iDave suggested. Make a declaration of what you plan to do wi...
by Mister Imperceptible
Wed Apr 10, 2019 12:32 am
Forum: Money Questions
Topic: VBTIX vs Vanguard Target Retirement Income Trust vs “Stable Value Guaranteed Interest Account”
Replies: 11
Views: 1559

Re: VBTIX vs Vanguard Target Retirement Income Trust vs “Stable Value Guaranteed Interest Account”

http://www.myrmikan.com/pub/Myrmikan_Research_2018_05_15.pdf From the piece: By convention, market money funds are valued a $1 per unit and pay interest daily. The tiny duration, senior position, and credit-worthiness of the borrowers make the loans have no possibility of loss, at least theoreticall...