Search found 1007 matches

by unemployable
Mon Mar 18, 2024 4:20 pm
Forum: Housing and Transportation Questions
Topic: Buying a home without a job after retirement
Replies: 7
Views: 602

Re: Buying a home without a job after retirement

Can you elaborate on this? https://www.interactivebrokers.com/en/trading/margin-rates.php IBKR right now is 6.83 on the first 100k and then 6.33 up to a million. This might be a wash versus an ordinary mortgage right now but most of the time it's lower by about a whole handle. Other benefits includ...
by unemployable
Sat Mar 16, 2024 12:17 pm
Forum: Housing and Transportation Questions
Topic: Buying a home without a job after retirement
Replies: 7
Views: 602

Re: Buying a home without a job after retirement

Co-ops in places like NYC will basically interview you about your life and can vote you down. Otherwise, not likely if you're paying cash. If you're looking to finance it may be easier and cheaper to get a margin loan than a traditional mortgage, or pull assets from IRAs, which can't be put up as co...
by unemployable
Thu Mar 14, 2024 12:36 pm
Forum: Introduce Yourself
Topic: Hello from a Traveling Pet Sitter!
Replies: 4
Views: 941

Re: Hello from a Traveling Pet Sitter!

Laura Ingalls wrote:
Tue Mar 12, 2024 9:00 am
I think unemployable has had a lot of experience.
I do, not that this thread is about me.
by unemployable
Thu Mar 07, 2024 11:23 am
Forum: Work & Education
Topic: I like job hunting
Replies: 12
Views: 698

Re: I like job hunting

Funnier thing: Job hunting was my least favorite thing I regularly subjected myself to. Some things I enjoy more: doing my taxes, changing my car's shock absorbers, going to the dentist, dealing with Comcast customer service, cleaning cat barf off carpets, figuring out why my mom can't print PDFs of...
by unemployable
Wed Feb 28, 2024 5:00 pm
Forum: Introduce Yourself
Topic: new member from easternmost Massachusetts
Replies: 3
Views: 320

Re: new member from easternmost Massachusetts

You live in the Chatham Lighthouse?
by unemployable
Wed Feb 28, 2024 4:34 pm
Forum: Housing and Transportation Questions
Topic: Smaller is better
Replies: 22
Views: 1232

Re: Smaller is better

chenda wrote:
Wed Feb 28, 2024 9:20 am
+1
I think you mean +2
by unemployable
Tue Feb 27, 2024 6:44 pm
Forum: Housing and Transportation Questions
Topic: Smaller is better
Replies: 22
Views: 1232

Re: Smaller is better

Smaller breasts: Less sagging, less lecherous staring, easier to find bras that fit, highly correlated with better fitness, can wear men's clothes, people like you for your other features instead of your gazoombas, can become a fashion model

Smaller penis: ?

Smaller bank account: ?
by unemployable
Tue Jan 09, 2024 12:32 pm
Forum: ERE Journals
Topic: My retirement scoreboard, Part II
Replies: 76
Views: 10962

Re: My retirement scoreboard, Part II

The bulk of the sits I'm getting now are for people who are financially comfortable but not what I'd call rich or even upper-class, more like upper-middle. These are for several weeks in comfortable houses in nice locations. Such as right now, I'm towards the end of a six-week sit tucked into the mo...
by unemployable
Mon Jan 08, 2024 11:38 pm
Forum: ERE Journals
Topic: My retirement scoreboard, Part II
Replies: 76
Views: 10962

Re: My retirement scoreboard, Part II

Very well!
by unemployable
Thu Aug 10, 2023 4:55 pm
Forum: Work & Education
Topic: Is programming still a valuable skill to learn?
Replies: 68
Views: 18623

Re: Is programming still a valuable skill to learn?

Just my random thoughts on the industry. It’s really strange in Silicon Valley. The old people I know are poor retirees living on fixed incomes while living in $3-$4M homes. Really. They cannot even afford to reroof or get dental implants. Yet they are “millionaires”. The ones still working are try...
by unemployable
Sat Aug 05, 2023 1:53 pm
Forum: ERE Journals
Topic: Carbon Negativity for Fun and Profit (now with dividends!)
Replies: 34
Views: 3038

Re: Carbon Negativity for Fun and Profit (through PovertyFIRE)

Phone expense. You've already done the biggest thing to potentially get your phone expense down, which is choose behaviors that do not require the use of much mobile data. Generally you want to use your phone as a tool and not a toy; specifically, avoid streaming and use wifi wherever it is availabl...
by unemployable
Sat Aug 05, 2023 1:03 pm
Forum: ERE Journals
Topic: Carbon Negativity for Fun and Profit (now with dividends!)
Replies: 34
Views: 3038

Re: Carbon Negativity for Fun and Profit (through PovertyFIRE)

There's a lot to read here, but I'll respond to the issue of car insurance. What you're really paying for when you buy car insurance is the insurance company's lawyers. They get every attempt to defraud them several times a day and know all the tricks. In an accident I got into many years ago someon...
by unemployable
Mon Jul 31, 2023 8:37 pm
Forum: ERE Journals
Topic: My retirement scoreboard, Part II
Replies: 76
Views: 10962

Re: My retirement scoreboard, Part II

Net worth goes out at 780K for July. This is +7.6% for the month and +12.1% YTD. SPX was +3.1% for the month and some +20% on the year. Surprisingly, I am less than 1% away from an all-time high net worth. I'm in Montana now on a long housesit. I haven't been out much. This is a nice property with a...
by unemployable
Sun Jul 30, 2023 12:05 pm
Forum: Emergent Renaissance Ecology
Topic: Thinking frameworks around here
Replies: 19
Views: 9908

Re: Thinking frameworks around here

Money being a last-resort solution to a problem. Embodied in the other frameworks for sure, but the point is it shows up in so many places.
by unemployable
Sun Jul 30, 2023 12:00 pm
Forum: Money and Investment Questions
Topic: How to Become A HNWI: High-Net Worth Individual
Replies: 56
Views: 26472

Re: How to Become A HNWI: High-Net Worth Individual

1MM is stay in place net worth. That's what I was getting at. It was real money before the late-90s stock market/early 00s real estate bubbles but now it supports a lifestyle a rung or two above minimum wage. (Not that that's something an EREer can't handle; I live off a good bit less, but we're ta...
by unemployable
Sat Jul 29, 2023 8:17 pm
Forum: Money and Investment Questions
Topic: How to Become A HNWI: High-Net Worth Individual
Replies: 56
Views: 26472

Re: How to Become A HNWI: High-Net Worth Individual

'm also guessing there are less ERE2s than HNWIs is the US I think there's maybe one ERE2 and arguably zero. People talking about ERE2 or taking about the people talking about ERE2 don't count here. There's another term people in wealth-management circles circle-jerk about, High Earning Not Rich Ye...
by unemployable
Sat Jul 29, 2023 4:35 pm
Forum: Money and Investment Questions
Topic: How to Become A HNWI: High-Net Worth Individual
Replies: 56
Views: 26472

Re: How to Become A HNWI: High-Net Worth Individual

HNW starts around $5 million in assets nowadays, really more like $10-15 million. Less than that down to around a million or so nowadays puts you in a lesser group, "mass affluent". It has to be way over $1m. FatFIRE is $2.5m in order to provide for $100k/year at 4%, and lots of people mak...
by unemployable
Tue Jul 25, 2023 12:21 am
Forum: ERE Journals
Topic: I Was Once Found But Now I Am Lost
Replies: 95
Views: 29263

Re: I Was Once Found But Now I Am Lost

I've seen two more bears in Colorado since late June, one from my car and the other in the front yard of my housesit, so my Colorado total is now up to 4**, which is the same as my housesitting total across all states and with no asterisks. I'm in Montana now, so very possibly will see more in the i...
by unemployable
Mon Jul 24, 2023 6:05 pm
Forum: Philosophy and Lifestyle Questions
Topic: What would you have done differently?
Replies: 36
Views: 7148

Re: What would you have done differently?

@unemployable Yes, I was talking about my parents... They were really upset when I used stocks to make a nest egg and throw away my career. It was odd, the richer I got “gambling” the more they disapproved of me. Well what the hell did they expect from the Stanford kid? They sort of recruited me, b...
by unemployable
Sun Jul 23, 2023 12:31 pm
Forum: Philosophy and Lifestyle Questions
Topic: What would you have done differently?
Replies: 36
Views: 7148

Re: What would you have done differently?

I should have estranged my family long ago. I had plenty of bad experiences by age 25 to know better. But I just hung on. I should have dumped all of them. Wasted life. It’s only now I can see it all the wreckage in the rear view mirror. I basically repeated the same old experiment and got the same...