Search found 2007 matches

by JohnnyH
Mon Apr 24, 2017 11:46 am
Forum: Money Questions
Topic: Lending Club Sadness
Replies: 78
Views: 28670

Re: Lending Club Sadness

I was really happy when I finally pulled my last dollar out of LendingClub, between the defaults, tax complications, not really trusting the reporting... But I am tempted by the IRA bonus they're offering through April 30th :\ http://blog.lendingclub.com/lending-clu ... nus-offer/
by JohnnyH
Tue Feb 07, 2017 11:50 am
Forum: Money Questions
Topic: Buying Physical Gold
Replies: 28
Views: 7880

Re: Buying Physical Gold

Sign up for ebay bucks... I routinely get offers for 8% ebay bucks, $100 max ($1,250 @ 8%). Purchased with 2% credit card, or 6% off gift cards, it is routinely well under spot and can be flipped instantly for $50+ profit/coin locally... I like apmex as seller on ebay.
by JohnnyH
Sat Feb 04, 2017 12:07 pm
Forum: Money Questions
Topic: Permanent Portfolio in this environment?
Replies: 30
Views: 8125

Re: Permanent Portfolio in this environment?

I still think it's a pretty bulletproof capital preservation portfolio, but performance depends too much on gold performance. Last 5 years gold down, avg return 3%, the 5 years before that gold up, avg 9% return... Might just be a function of real inflation, however. Now that we're approaching a per...
by JohnnyH
Sat Feb 04, 2017 11:44 am
Forum: Politics, and other eternal disagreements
Topic: Trump - Clown Genius
Replies: 2195
Views: 317442

Re: Trump - Clown Genius

That's what I mean, he should be condemning the violence-lubbers along with some inspirational message or something.. not threatening the University/peaceful protesters or pitting Americans against each other. From all reports the University was completely doing the right things (despite their hist...
by JohnnyH
Fri Feb 03, 2017 3:51 pm
Forum: Money Questions
Topic: Which brokerage do you use?
Replies: 62
Views: 20138

Re: Which brokerage do you use?

Anyone know a bank/broker that would I could liquidate holdings on Monday and have a cashier's check of those funds on Wednesday? Or a broker/bank combo that has affordable wire fees both ways? I'm bidding on housing auctions, about 2 a month, but hate to park so much money in USD, earning next to n...
by JohnnyH
Fri Feb 03, 2017 3:51 pm
Forum: Money Questions
Topic: Which brokerage do you use?
Replies: 62
Views: 20138

Re: Which brokerage do you use?

Anyone know a bank/broker that would I could liquidate holdings on Monday and have a cashier's check of those funds on Wednesday?
Or a broker/bank combo that has afford wire fees both ways?

I'm bidding on housing auctions, but hate to park so much money in USD, earning next to nothing.
by JohnnyH
Fri Dec 23, 2016 12:16 pm
Forum: Money Questions
Topic: Cheapest mini PC?
Replies: 25
Views: 4947

Re: Cheapest mini PC?

See a lot of desktops with decent specs (2-3GHz duo/quad, 8GB), given away on Craigslist... Add inexpensive SSD, put on Linux Mint and you've got a very nice, fast machine.
by JohnnyH
Fri Dec 23, 2016 11:33 am
Forum: Transportation Questions
Topic: Anybody use Avenza?
Replies: 1
Views: 2347

Re: Anybody use Avenza?

Yes, it renders PDF maps an places your GPS location on the map.

Very useful for using existing cartography in field where most mobile baselayers would show up blank (eg Google Maps on forest roads).
by JohnnyH
Fri Dec 23, 2016 11:30 am
Forum: Housing Questions
Topic: Anybody have experience moving home regularly in order to get ahead financially?
Replies: 5
Views: 2397

Re: Anybody have experience moving home regularly in order to get ahead financially?

I don't know about UK or AU, but in US this is a great strategy thanks to the Primary Residence Capital Gains Tax Exclusion. Every 2-5 years you can sell for up to $250k [$500k married] (-minus purchase price) without paying taxes. I try to buy at auction the best value house ≥3 bedroom + 2≥ bath an...
by JohnnyH
Fri Dec 23, 2016 10:58 am
Forum: Politics, and other eternal disagreements
Topic: Biased news
Replies: 75
Views: 17164

Re: Biased news

BRUTE wrote:in all fairness, while Ron Paul might not be Russian, he's most definitely a socialist.
Uh, should I be reading sarcasm? Ron Paul is about the furthest thing from a socialist.
by JohnnyH
Wed Sep 02, 2015 11:11 am
Forum: Money Questions
Topic: Optimal Income Thresholds Post ERE
Replies: 32
Views: 10956

Re: Optimal Income Thresholds Post ERE

@J_L13: Yes, I was talking about traditional IRA. I found out they would retain status as after tax in traditional IRA... I learned they are eligible to be 100% rolled over into Roth... Nice workaround for getting Roth loaded during accumulation phase. I wish I would have known that and I would've p...
by JohnnyH
Tue Sep 01, 2015 11:57 am
Forum: Money Questions
Topic: Optimal Income Thresholds Post ERE
Replies: 32
Views: 10956

Re: Optimal Income Thresholds Post ERE

I have some after-tax contributions (only about $40k) in my old retirement that I can either cashout tax free, or transfer to new job retirement plan... Planning on full retirement in 2-5 years at which time the new retirement plan will be dumped into standard IRA and then rolled over into Roth base...
by JohnnyH
Wed Jun 24, 2015 10:46 am
Forum: Transportation Questions
Topic: Best car for ERE
Replies: 86
Views: 29065

Re: Best car for ERE

Annual maintenance, taxes and insurance on my mid 90s Corolla/mid 70s truck is less than $500... They have appreciated in value since I got them (good care, low miles). They have enabled access to time sensitive investments/deals (auctions, building materials, appliances) I wouldn't have access to w...
by JohnnyH
Sat Apr 18, 2015 1:20 pm
Forum: Lifestyle Questions
Topic: Walking as Transportation
Replies: 132
Views: 22407

Re: Walking as Transportation

BeyondtheWrap wrote:
JohnnyH wrote:On my 30 minute lunch break I can walk 3 miles.
I am extremely skeptical about this assertion. 6 MPH isn't even walking anymore, it has to be at least a jog...
It is not leisurely, but completely possible.
by JohnnyH
Mon Mar 23, 2015 12:38 pm
Forum: Lifestyle Questions
Topic: Walking as Transportation
Replies: 132
Views: 22407

Re: Walking as Transportation

I like walking, more than biking, and do it basically everyday... On my 30 minute lunch break I can walk 3 miles. This slows if it is raining or if there is snow on the ground. Also I do not have to interact/wait for traffic during this at all. I sometimes do a 10 mile loop for fun and last time it ...
by JohnnyH
Thu Mar 12, 2015 10:49 am
Forum: Lifestyle Questions
Topic: .
Replies: 15
Views: 4737

Re: How to find BIFL products

@jacob: Big enough to carry 3 days groceries, not so big it cannot be an airplane carry-on. Internal organization is nice, but can be worked around. Use 2x weekly for work and 4x daily for day trips and market trips in very dry climate... I prefer classic style, with muted colors (as opposed to big ...
by JohnnyH
Thu Mar 12, 2015 10:38 am
Forum: Lifestyle Questions
Topic: Most environmentally friendly tool to floss teeth with?
Replies: 16
Views: 14483

Re: Most environmentally friendly tool to floss teeth with?

A pick needs to be pliable yet strong and resistant to decay. Does anything, other than plastic, meet those requirements? I use these and I use them until the floss breaks, A 75 pack lasts me 1-2 years and I find them 5 x times easier and more effective than string floss: http://http://www.amazon.co...
by JohnnyH
Thu Mar 12, 2015 9:53 am
Forum: Lifestyle Questions
Topic: .
Replies: 15
Views: 4737

Re: How to find BIFL products

Can anyone recommend a BIFL daily carry backpack (preferred) or messenger bag (acceptable)?... I know there are some leather bags with 100 year warranties, but many of them also weigh 8 lbs, which I think would get annoying.

Ideas? Thanks!
by JohnnyH
Tue Mar 10, 2015 10:15 am
Forum: Lifestyle Questions
Topic: How to follow the warrior diet? (I'll read the book eventually)
Replies: 27
Views: 8342

Re: How to follow the warrior diet? (I'll read the book eventually)

@Jacob: When you attempted to put on the 25 pounds were you sticking to the WD?... I have found weight gain nearly impossible when active on the WD, eating non-processed foods. I tried eating all the time in attempt to put on 20 pounds muscle, but it quickly grew very tiresome and even more expensiv...
by JohnnyH
Mon Mar 09, 2015 1:50 pm
Forum: Lifestyle Questions
Topic: How to follow the warrior diet? (I'll read the book eventually)
Replies: 27
Views: 8342

Re: How to follow the warrior diet? (I'll read the book eventually)

Excellent points guys. I must admit I never a) tried to eat much more the night before to account for next day's activities and b) usually when I was doing this manual labor meals were provided (not especially healthy) and the dinners wouldn't be enough to support warrior diet. I suppose, like anyth...