Search found 1007 matches
- 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...
- 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...
- 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!
I do, not that this thread is about me.
- 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...
- 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?
- Wed Feb 28, 2024 4:34 pm
- Forum: Housing and Transportation Questions
- Topic: Smaller is better
- Replies: 22
- Views: 1232
- 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: ?
Smaller penis: ?
Smaller bank account: ?
- 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...
- 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!
- 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...
- 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...
- 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...
- 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...
- 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.
- 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...
- 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...
- 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...
- 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...
- 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...
- 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...