Search found 686 matches

by rube
Sat Oct 03, 2020 12:22 pm
Forum: Money Questions
Topic: When does it make sense to get insurance?
Replies: 33
Views: 1704

Re: When does it make sense to get insurance?

Event A or even B: that's the severity part you"ll need to determine.

@crusader: daylen answered your question to me largely. And again: it is the severity here that makes the difference (for you as a person).
by rube
Sat Oct 03, 2020 10:54 am
Forum: Money Questions
Topic: When does it make sense to get insurance?
Replies: 33
Views: 1704

Re: When does it make sense to get insurance?

Edith Keeler might give an more sophisticated answer. risk = probability x severity My main focus would be on the severity, in this case mostly "cost". I don't insure my cellphone as it's cheap to replace. No real issue. I don't have a "dental" insurance that is costing me 200 Eu...
by rube
Sun Sep 27, 2020 4:12 pm
Forum: ERE Journals
Topic: BlueNote's Journal
Replies: 237
Views: 76604

Re: BlueNote's Journal

Congrats on #2 and 4!!(I assume 2 and 4 are the same or is one on the way and another one "planned"?!

And of course congrats with the house and the 4 days wfh after Covid. Good luck with all preparations and so on.
by rube
Sun Sep 20, 2020 4:06 pm
Forum: ERE Journals
Topic: Five Years, Lord Willing
Replies: 635
Views: 130799

Re: Five Years, Lord Willing

Wait, what? I missed something I guess....Next time I am at Costco (never, not around here) I will listen to their PA system waiting for your signal.
by rube
Tue Sep 15, 2020 12:49 pm
Forum: ERE Journals
Topic: Rube's journal
Replies: 363
Views: 111637

Re: Rube's journal

Nothing special or major, but another week passed by so I thought I will just post a short description of one my days I enjoy now to be off from work. Today, "off" from work, it was very hot (another record I guess) for our country and even more this late in the season. Although I have a l...
by rube
Tue Sep 08, 2020 2:01 pm
Forum: ERE Journals
Topic: Rube's journal
Replies: 363
Views: 111637

Re: Rube's journal

Okay, so I got out of a habit of posting frequent updates... The first week of August was pretty busy with work and a few other ongoing things of which most were finished or 95% finished before we went on holiday for two weeks. After that one more week off while staying at home. End of august I rece...
by rube
Wed Sep 02, 2020 12:21 pm
Forum: ERE Journals
Topic: Rube's journal
Replies: 363
Views: 111637

Re: Rube's journal

Lol - I'm still here, all okay. Will write a longer update probably in one of the next days!
by rube
Sun Aug 09, 2020 10:39 am
Forum: ERE Journals
Topic: DutchGirl's journal
Replies: 566
Views: 158942

Re: DutchGirl's journal

Sounds like you made the right decision for yourself at this moment. Well done.
by rube
Tue Aug 04, 2020 10:25 am
Forum: Money Questions
Topic: What would you do to become "rich"?
Replies: 43
Views: 14648

Re: What would you do to become "rich"?

No need for 10 million like others said. But the "easiest" for me would probably go in real estate with high leverage. Once you have a large portfolio setup, delaverage it slowly to lower your risk over time and build up equity. In the mean time live from the income. You can do this all wi...
by rube
Thu Jul 30, 2020 2:05 pm
Forum: ERE Journals
Topic: Rube's journal
Replies: 363
Views: 111637

Re: Rube's journal

parttime - 20 hrs/week: 0 days = 0 work days (Mo-Th) Today was my last "full time" workday. As of Monday my part-time schedule of 20 hr/wk starts. Yeah!! Though, a couple of things (outside work) are ongoing which is why I don't have a very relaxed feeling yet. But, fingers crossed, these...
by rube
Fri Jul 24, 2020 5:28 am
Forum: ERE Journals
Topic: Rube's journal
Replies: 363
Views: 111637

Re: Rube's journal

parttime - 20 hrs/week: 7 days = 4 work days (Mo-Th) It is Friday so I am off again. I decided to do important things, at least to me, first. As otherwise the "to do" list takes over. Like the jar analogy with the rock, pebbles and the sand... So I woke up at 7AM, but got only out at 8.30...
by rube
Fri Jul 24, 2020 2:32 am
Forum: Lifestyle Questions
Topic: What do use for a cell phone?
Replies: 24
Views: 5425

Re: What do use for a cell phone?

... Oppo, Vivo, Realme... Xiaomi... Many of the phones from these companies cost about as much as comparably spec'ed phones from Samsung or Apple. They have a full range from low end to high end (and the model names and specs can take a while to sort out). A mid-range phone can be bought for around...
by rube
Fri Jul 24, 2020 12:20 am
Forum: ERE Journals
Topic: bigato's journal
Replies: 364
Views: 100514

Re: bigato's journal

It's a big loss to have all his posts on his very long running journal and many other topics deleted. I have been lucky I was able to read quite some of them and followed his path (journal) for ~ 9 years (wow!). Thanks @jacob though for respecting his request and posting his "goodby". And ...
by rube
Thu Jul 23, 2020 3:47 pm
Forum: ERE Journals
Topic: bigato's journal
Replies: 364
Views: 100514

Re: bigato's journal

Did we lost Bigato?
by rube
Sat Jul 18, 2020 1:08 am
Forum: Money Questions
Topic: Buying too much real estate? A unique dilemma
Replies: 15
Views: 4885

Re: Buying too much real estate? A unique dilemma

A construction loan is in my location possible as a mortgage, but with some special conditions (loan is taken in phases and paid out to the constructor after finishing i.e ground floor, 2nd level, roof etc.). Might be the same where the OP lives.
by rube
Sat Jul 18, 2020 12:08 am
Forum: Introduce Yourself
Topic: Subsidizing mortgage with renters
Replies: 12
Views: 4153

Re: Subsidizing mortgage with renters

Well known strategy at bigger pockets.com but see comments from BeyondtheWrap
by rube
Sat Jul 18, 2020 12:05 am
Forum: Money Questions
Topic: Buying too much real estate? A unique dilemma
Replies: 15
Views: 4885

Re: Buying too much real estate? A unique dilemma

I like real estate, but real estate is local and it sounds like you would be betting on one horse. What is the outcome of your IRR and your overall financial situation it turns out the market does not develop as expected but goes sour?
by rube
Thu Jul 16, 2020 2:25 pm
Forum: ERE Journals
Topic: Rube's journal
Replies: 363
Views: 111637

Re: Rube's journal

parttime - 20 hrs/week: 15 days = 8 work days (Mo-Th) Okay, it is official now, signed by all, 20 hrs per week per August. Which is only another 8 work days from now. Is that "half" ERE ? :D We go camping this weekend. We rented a very basic cabin for the Friday evening, so tomorrow morni...
by rube
Fri Jul 10, 2020 5:58 am
Forum: ERE Journals
Topic: Frugal chicos journal - ERE in Spain
Replies: 486
Views: 100922

Re: Frugal chicos journal

If you, C40, ffj, the animal (and some others) all continue posting these beautiful pictures here, all the others will feel eh like we're on Instagram!!! (I don't have Instagram btw).

Enjoy the good life frugal Chico's!
by rube
Fri Jul 10, 2020 3:45 am
Forum: ERE Journals
Topic: Rube's journal
Replies: 363
Views: 111637

Re: Rube's journal

parttime - 20 hrs/week: 21 days = 12 work days (Mo-Th) Pension I never really incorporated social security and the pension plans we have in our overview. But since over the years this has become a substantial amount I have (tried) to add this. The difficulty with the pension plans is that some show...