Search found 480 matches

by unemployable
Wed Jan 01, 2020 4:27 pm
Forum: Work & Education
Topic: Is CFA worth it?
Replies: 6
Views: 486

Re: Is CFA worth it?

I try to leave this place and y'all keep drawing me back. I have a CFA. Or rather, as the CFA Institute prefers we say, I am a CFA charterholder. And I still pay my dues, although I'm no longer sure why. The program is basically designed to keep people from getting it. There are three 'levels' of ex...
by unemployable
Tue Nov 26, 2019 8:42 pm
Forum: Miscellaneous
Topic: Hipster? Dinosaur?
Replies: 79
Views: 4525

Re: Hipster? Dinosaur?

I'm not sure this applies to the thread but I do think old ladies pulling out change purses and/or check books in supermarkets two days before Thanksgiving should be euthanized. I believe they are already doing it in China. We could free up a bunch of rent-controlled apartments by doing this on the...
by unemployable
Tue Nov 26, 2019 8:35 pm
Forum: Money Questions
Topic: ERE-sourced loan experiment
Replies: 41
Views: 3062

Re: ERE-sourced loan experiment

Mister Imperceptible wrote:
Tue Nov 26, 2019 7:05 pm
The long precious metals/short equities/long natural resources suite is actually an anti-prosperity bet.
Well if we ever have 1979 again you're all set.
by unemployable
Tue Nov 26, 2019 3:26 pm
Forum: Money Questions
Topic: ERE-sourced loan experiment
Replies: 41
Views: 3062

Re: ERE-sourced loan experiment

Augustus wrote:
Tue Nov 26, 2019 3:16 pm
5.5% to the federal government?! Where'd you find that deal?
I-bonds I bought in 2001. Pay CPI + 3%. Some even went up to CPI + 3.6. They're only marginally behind stocks since then, like a 2.8x instead of 3.1x.
by unemployable
Tue Nov 26, 2019 3:13 pm
Forum: Money Questions
Topic: ERE-sourced loan experiment
Replies: 41
Views: 3062

Re: ERE-sourced loan experiment

I'm already loaning the federal government money at 5½% and they're a much lower default risk, so no.
by unemployable
Sun Nov 24, 2019 3:14 pm
Forum: Work & Education
Topic: Emma, office worker of the future
Replies: 5
Views: 587

Re: Emma, office worker of the future

I like how they made it a girl. You've come a long way, baby!
by unemployable
Fri Nov 22, 2019 1:30 pm
Forum: Housing Questions
Topic: What is your ERE housing score?
Replies: 64
Views: 14972

Re: What is your ERE housing score?

For the next few months, my housing score will be negative! Imputed rent: Combination of living with Mom (her house is paid off) and housesitting, while I sublet for some $300 more than my rent is, so -3 Distance to work: No real job, but some income from selling stuff on eBay and doing odd tasks fo...
by unemployable
Thu Nov 21, 2019 11:11 am
Forum: Money Questions
Topic: Brokerage Diversification
Replies: 15
Views: 1562

Re: Brokerage Diversification

With Schwab buying TD Ameritrade, it's getting harder to spread your money around. Is Schwab ok? I have an account at TD that I assume will get moved. As a TD ameritrade "client" whose account still has an old Waterhouse login number, this thrills me. I'd stay put as long as they turn everything in...
by unemployable
Wed Nov 20, 2019 2:00 am
Forum: Transportation Questions
Topic: How far are you willing to walk to work?
Replies: 23
Views: 1113

Re: How far are you willing to walk to work?

Google says my walk to work at my last job was 2.2 miles, which I regularly covered in just over half an hour. I walk fast.
by unemployable
Tue Nov 19, 2019 10:12 am
Forum: ERE Journals
Topic: Neither early nor extreme but I'm doing my best
Replies: 21
Views: 1190

Re: Neither early nor extreme but I'm doing my best

Any reason you've left out Ecuador?

I was a 1K on United for nine years. You learn a little about the business and start to understand the tribulations of pilots and FAs being on planes so much.
by unemployable
Mon Nov 18, 2019 12:33 pm
Forum: Introduce Yourself
Topic: Hopping over from MMM
Replies: 9
Views: 1100

Re: Hopping over from MMM

Jim Cramer reminds me of someone who would teach a night class at a community college so maybe you can squeeze him in between Dave and MMM. Cramer is what people who have never met a hedge fund manager think all hedge fund managers are like. Granted, a couple big ones are (Steve Cohen, Ken Griffin).
by unemployable
Sun Nov 17, 2019 11:37 am
Forum: Money Questions
Topic: "direct indexing"?
Replies: 11
Views: 958

Re: "direct indexing"?

jacob wrote:
Sun Nov 17, 2019 9:02 am
One point that hasn't been mentioned is ... that if one is investing more than $500k (especially in these zero-commission times), it begins to make sense to DIY one's [zero-fee] index of 500 positions. Sounds like fun :-P
How would you hold AMZN?
by unemployable
Sat Nov 16, 2019 8:07 pm
Forum: Introduce Yourself
Topic: Hopping over from MMM
Replies: 9
Views: 1100

Re: Hopping over from MMM

Well there's your problem, you're not a 28-yo self-assured IT jock like everyone else on MMM. You can find more diversity and freedom of thought at a Politburo meeting.
by unemployable
Sat Nov 16, 2019 11:20 am
Forum: Money Questions
Topic: "direct indexing"?
Replies: 11
Views: 958

Re: "direct indexing"?

This sort of strategy/product seems to match what I've wanted to do for years: "The default is the index" and then tilt your "index"/portfolio. Or similarly build your own index, which could have default starting allocations. Very often I am more bearish on particular companies, willing to bet: $CO...
by unemployable
Fri Nov 15, 2019 7:06 pm
Forum: Friends & Family Questions
Topic: ERE compliant marriage age
Replies: 25
Views: 2703

Re: ERE compliant marriage age

I don’t understand why anyone would want to get married. Especially after a certain age. The obvious short answer is money. I have a friend whose mother-in-law widowed and remarried recently at age 69. He basically died broke within a few LOW points, and although I don't know too many details, she ...
by unemployable
Tue Nov 12, 2019 10:06 am
Forum: Skills & Tools Questions
Topic: Technical Debts: Neglected dams across the US
Replies: 37
Views: 1557

Re: Technical Debts: Neglected dams across the US

Not sure how robust that data is as virtually none of the larger dams in Colorado are on it, nor are many of the dams I'm familiar with back East.
by unemployable
Mon Nov 11, 2019 11:20 pm
Forum: Lifestyle Questions
Topic: Why some stay in one place for decades; and, the importance of alternative paths
Replies: 54
Views: 4211

Re: Why some stay in one place for decades; and, the importance of alternative paths

For what benefit ? This is something that I don't really get. I have friends who have travelled whereas I really haven't. Some of my friends want me to travel with them. I don't really see a benefit that is worth the cost. Well nine years ago I felt I had gotten out of Chicago all I was going to ge...
by unemployable
Sun Nov 10, 2019 5:43 pm
Forum: Resources & Recommended Reading
Topic: ‘I give away half to three-quarters of my income every year’
Replies: 19
Views: 1123

Re: ‘I give away half to three-quarters of my income every year’

Jason wrote:
Sun Nov 10, 2019 3:57 pm
The next pic shows the same person in attire and a room that can best be described as fifty shades of cat puke.
I see it as a paean to red/green color blindness.
by unemployable
Thu Nov 07, 2019 1:07 am
Forum: Work & Education
Topic: What is a "good" work ethic, and how do you sustain one?
Replies: 40
Views: 2052

Re: What is a "good" work ethic, and how do you sustain one?

I mean enough of the right kind of work and you can quit when you're 39. That's kind of why we're all here.