Search found 1565 matches

by Mister Imperceptible
Wed Nov 24, 2021 4:05 pm
Forum: Housing Questions
Topic: Living in a Tent in Someone's Backyard
Replies: 30
Views: 1514

Re: Living in a Tent in Someone's Backyard

Might be well served getting your own tent, a few years ago I was looking at these: https://montanacanvas.com/ Which may or may not have been less of a headache than getting an RV , but I only recommend this type of thing if you have a low-pressure job and/or work fully remote. Maybe a tent is easie...
by Mister Imperceptible
Fri Nov 19, 2021 5:13 pm
Forum: Money Questions
Topic: Stop 401k to pay off mortgage?
Replies: 41
Views: 2547

Re: Stop 401k to pay off mortgage?

Well as long as you understand what you are doing is mathematically suboptimal. It’s possible invested monies not directed towards mortgage repayment will actually suffer a capital loss, and so locking in a suboptimal return may be part of a larger strategy. Europeans do this when they lend money to...
by Mister Imperceptible
Fri Nov 19, 2021 4:26 pm
Forum: Money Questions
Topic: Stop 401k to pay off mortgage?
Replies: 41
Views: 2547

Re: Stop 401k to pay off mortgage?

https://www.forbes.com/advisor/mortgages/what-is-the-40-year-mortgage-modification/ I did not pay my mortgage for 18 months. My reward was that they recapitalized the last 18 payments, and modified my 30 year fixed at 3.99% into a 40 year fixed at 2.875%. My monthly payment is $150 lower than it was...
by Mister Imperceptible
Fri Nov 19, 2021 11:42 am
Forum: Money Questions
Topic: Stop 401k to pay off mortgage?
Replies: 41
Views: 2547

Re: Stop 401k to pay off mortgage?

get a 40 year fixed and say you can’t pay because covid
by Mister Imperceptible
Sat Nov 13, 2021 7:37 pm
Forum: ERE Journals
Topic: Giskard's Journal - slingin code to reach FI
Replies: 149
Views: 34903

Re: Giskard's Journal - slingin code to reach FI

Ruger LCP Max .380 Auto 10+1

Consider .45ACP/10mm >= 9x19mm
by Mister Imperceptible
Sat Nov 13, 2021 7:36 pm
Forum: Money Questions
Topic: Shit Coin on the Rise
Replies: 9
Views: 837

Re: Shit Coin on the Rise

Great find 7
by Mister Imperceptible
Fri Nov 12, 2021 5:37 pm
Forum: Money Questions
Topic: Hussman shows a risk of 50-66% [US stock]market losses
Replies: 174
Views: 19891

Re: Hussman shows a risk of 50-66% [US stock]market losses

There are gradations in between binary absolutes. In between 100% long VTSAX and in between 100% cash or net short for example. But perhaps there is this binary absolute: 1) What cannot go on forever will not go on forever 2) But what insists on going on forever that cannot go on forever, will go on...
by Mister Imperceptible
Wed Nov 10, 2021 12:00 pm
Forum: Lifestyle Questions
Topic: Elite Overproduction/Underproduction
Replies: 15
Views: 1007

Re: Elite Overproduction/Underproduction

Yeah, It’s Still Water The Rake Once You Buy A Prize, It’s Yours To Keep Shot, Chaser The muckraking Ben Hunt did is one of the most illustrative instances I can think of. In a nation where the head of a company whose planes are falling out of the sky gets millions and his company bailed out is rip...
by Mister Imperceptible
Wed Nov 10, 2021 11:22 am
Forum: ERE Journals
Topic: Giskard's Journal - slingin code to reach FI
Replies: 149
Views: 34903

Re: Giskard's Journal - slingin code to reach FI

So are you a Glocktard now like everyone else?
by Mister Imperceptible
Wed Nov 10, 2021 11:00 am
Forum: ERE Journals
Topic: The Path to Freedom
Replies: 56
Views: 15195

Re: The Path to Freedom

I passed on sub-$1000 bitcoin because I got the same vibes from those shilling bitcoin that I did from people trying to sell me on a pyramid scheme in a Best Western lobby. Don’t beat yourself up too much. Maybe consider putting some small amount into such things in the future so if they go to zero ...
by Mister Imperceptible
Tue Nov 09, 2021 9:57 pm
Forum: Lifestyle Questions
Topic: Elite Overproduction/Underproduction
Replies: 15
Views: 1007

Re: Elite Overproduction/Underproduction

I think it is worth adding, since some of the conversation up thread is about the apparent resentment of the masses against elites. The majority of folks do not have a problem with excellence, whether it be in business or sport or otherwise. They have a problem with a rigged game. The game is clearl...
by Mister Imperceptible
Tue Nov 09, 2021 11:51 am
Forum: Lifestyle Questions
Topic: Elite Overproduction/Underproduction
Replies: 15
Views: 1007

Re: Elite Overproduction/Underproduction

People generally are supportive of an elite if that elite either furthers the individual’s self interest, or seems to be representative of an ideology the people hold dear. A shareholder of a company will applaud’s a CEO’a success because he partakes in that success. If the success of an entire clas...
by Mister Imperceptible
Fri Nov 05, 2021 5:16 pm
Forum: ERE Journals
Topic: Fox's Journey: And Onto the Sunlight!
Replies: 989
Views: 197787

Re: Fox's Journey: And Onto the Sunlight!

It was nice knowing you Stahlmann
by Mister Imperceptible
Wed Nov 03, 2021 9:19 pm
Forum: ERE Journals
Topic: Bz5 Journal
Replies: 95
Views: 4320

Re: Bz5 Journal

You’re so fucking tortured I love it
by Mister Imperceptible
Mon Nov 01, 2021 6:12 pm
Forum: Work & Education
Topic: working two jobs
Replies: 19
Views: 1854

Re: working two jobs

Instead of continuing to sidetrack this thread: https://forum.earlyretirementextreme.com/viewtopic.php?t=12159 Thought I would add another reminder why you should give zero fucks and not feel guilty or “cheating” about working two jobs. “Boss” complained today that files in progress were being saved...
by Mister Imperceptible
Sun Oct 31, 2021 10:25 pm
Forum: Resources & Recommended Reading
Topic: Time millionaires: meet the people pursuing the pleasure of leisure
Replies: 14
Views: 1139

Re: Time millionaires: meet the people pursuing the pleasure of leisure

There is a larger personal story here of fathers and grandfathers being screwed by US employers and the US military. In Europe you have all sorts of social guarantees we in the US do not have. So there is an impetus in the US to take by force what used to be guaranteed and what still may be guarante...
by Mister Imperceptible
Sun Oct 31, 2021 7:44 pm
Forum: Resources & Recommended Reading
Topic: Time millionaires: meet the people pursuing the pleasure of leisure
Replies: 14
Views: 1139

Re: Time millionaires: meet the people pursuing the pleasure of leisure

@Seppia I’m not criticizing your own personal choices, but I disagree that working two jobs or two contracts is cheating. The market is the market. If you died your company would post your job faster than your obituary would appear. There are 168 hours in a week and an agreement to work 40 with or f...
by Mister Imperceptible
Sun Oct 31, 2021 12:30 am
Forum: Resources & Recommended Reading
Topic: Time millionaires: meet the people pursuing the pleasure of leisure
Replies: 14
Views: 1139

Re: Time millionaires: meet the people pursuing the pleasure of leisure

I know some people are gaming the system by taking up two jobs, but I personally would have ethical problems with that. It's much easier to just work hard in one job and turbocharge your career. Sorry but no, it’s easier to turbocharge your bank account with 2 paychecks and to speed up the process ...
by Mister Imperceptible
Sat Oct 30, 2021 11:22 pm
Forum: Money Questions
Topic: Hussman shows a risk of 50-66% [US stock]market losses
Replies: 174
Views: 19891

Re: Hussman shows a risk of 50-66% [US stock]market losses

Historically, typically, on average, stocks go from bottom left to top right ;) See my digits? Out of sight Retired early to my delight A product of central banker’s might Always up, and to the right Nine carrier groups keep all afright Accept our paper, or we just might Let it fall, set all alight...