Search found 66 matches

by Lillailler
Sat Nov 10, 2018 1:47 pm
Forum: Money Questions
Topic: Lending a girlfriend money
Replies: 84
Views: 7085

Re: Lending a girlfriend money

It's not about the cat. It is about the risks of living paycheck to paycheck: suddenly she really wants to spend $1500 but she hasn't got it, and one way or another the consequences will be bad. It seems to me this is the type of event people learn from, sometimes. You could consider just asking "Wh...
by Lillailler
Wed Oct 31, 2018 8:40 am
Forum: Money Questions
Topic: Diversification vs. concentration
Replies: 25
Views: 3464

Re: Diversification vs. concentration

I am a keen diversifier. Let's imagine you have reached your 250k, 500k, 1m or whatever you need for a 2.5% SWR to sustain financial independence indefinitely. If your investments go up 50%, that is good. You can either spend a little more during your lifetime or leave more to your heirs and charit...
by Lillailler
Sun Aug 19, 2018 10:51 am
Forum: Lifestyle Questions
Topic: Mens Fashion
Replies: 109
Views: 15781

Re: Mens Fashion

Does anyone get clothes tailored or custom made? I have some smart clothes that I wear occasionally when I want to impress someone - or at least meet a well-heeled professional on equal terms. I have used internet made-to-measure in order to get well-fitting jackets and shirts. Getting them in 'cla...
by Lillailler
Mon Jun 25, 2018 10:33 am
Forum: Money Questions
Topic: Rich, broke, or dead?
Replies: 42
Views: 4600

Re: Rich, broke, or dead?

brute wonders: wouldn't it be considered failure to arrive at death with too much money left? Indeed. But since you can't get it exactly right, it's probably better to err on the side of leaving some money behind rather than the side of going broke in old age. But then again, that's why annuities w...
by Lillailler
Sun Mar 04, 2018 1:11 pm
Forum: Money Questions
Topic: Expat income, banking, and flag theory
Replies: 56
Views: 8013

Re: Expat income, banking, and flag theory

I emigrated from country A to country B to a few years ago and took out citizenship in B as soon as was legally possible. This actually gives me the right to live in three other countries, so I now have five different countries I could live in if I wanted to. About half my assets are still in countr...
by Lillailler
Wed Feb 14, 2018 8:30 am
Forum: Lifestyle Questions
Topic: Wealth, money, numbers
Replies: 19
Views: 3095

Re: Wealth, money, numbers

conwy wrote:
Tue Feb 13, 2018 7:53 am

Permission to quote you to friends/colleagues?
Of course
No attribution required :)
by Lillailler
Tue Feb 13, 2018 3:16 am
Forum: Lifestyle Questions
Topic: How to turn "high savings rate" into a daily habit
Replies: 6
Views: 1273

Re: How to turn "high savings rate" into a daily habit

I suggest using time as the yardstick rather than money. One method: 1. Calculate moving annual total of your expenses y dollars 2. Divide y by 365.25 giving x dollars 3. Every time you think of spending some money, or doing something to save some money, divide the dollar amount by x to show how man...
by Lillailler
Tue Feb 13, 2018 3:07 am
Forum: Resources & Recommended Reading
Topic: Jordan Peterson
Replies: 374
Views: 45589

Re: Jordan Peterson

I have tasted some of JP - in particular his lectures on Genesis. For me, there is a lot of wisdom behind what he says, some of it from wide reading but some from his work as a clinical psychologist. What bothers me relates to the wisdom bit. I have something of the scientist's attitude to knowledge...
by Lillailler
Tue Feb 13, 2018 2:47 am
Forum: Lifestyle Questions
Topic: Wealth, money, numbers
Replies: 19
Views: 3095

Re: Wealth, money, numbers

Thanks for the thoughtful replies: @JP re children, I think there is a big difference because as a parent your goals need to include goals for - and of as they grow up - your children and there will be conflicts with the 'Extreme' part of ERE. Similar of course applies to being married, but adults a...
by Lillailler
Sun Feb 04, 2018 1:47 pm
Forum: Lifestyle Questions
Topic: Wealth, money, numbers
Replies: 19
Views: 3095

Wealth, money, numbers

I have just done my annual investment and income review, and things look good according to the numbers. Total investments have increased in value by more than my earnings for the year from my employment plus self-employed side-job. I should be feeling rich and smug, but I'm not. One issue may be tha...
by Lillailler
Sun Feb 04, 2018 3:26 am
Forum: Lifestyle Questions
Topic: Thoughts about respectability
Replies: 26
Views: 3872

Re: Thoughts about respectability

A couple of things I have noticed: Rich people, especially old money rich, literally do not care what anyone else thinks. This is one of the things your FU money is for. If the people you associate with don't approve of your lifestyle, do you care? If you do you should find better people to associat...
by Lillailler
Fri Jan 19, 2018 12:24 am
Forum: Inspiration
Topic: Embodied Energy of Modern Human
Replies: 33
Views: 4311

Re: Embodied Energy of Modern Human

Two things: 1) A large proportion of the human's costs have already been expended, and are in the accountant's term 'sunk'. You need only consider the marginal costs. 2) Have you considered, instead of hiring labour, selling an exercise program? You could call it 'Dig-fit'. As trainer you could dema...
by Lillailler
Sun Jan 07, 2018 6:37 am
Forum: Lifestyle Questions
Topic: Work, is it so bad?
Replies: 44
Views: 6083

Re: Work, is it so bad?

One thing about paid work, and not exclusively employee work, is that being paid for doing something gives you affirmation. I mean, as long as you are alive you are doing something with your time, and there are plenty of people around who would like you to spend your time helping them, and most of t...
by Lillailler
Mon Nov 20, 2017 8:35 am
Forum: Politics, and other eternal disagreements
Topic: Chesterton's Fence - Atheism and Culture
Replies: 42
Views: 5312

Re: Chesterton's Fence - Atheism and Culture

suomalainen wrote:
Sun Nov 19, 2017 6:24 pm
Authoritarian religions are abusive by (their human) nature, in my limited experience
I would turn this round, to say that sociopaths / Bandits are attracted to institutions as sources of power and money they can abuse to their advantage, and religious institutions are one such source.
by Lillailler
Sun Nov 19, 2017 8:01 am
Forum: Politics, and other eternal disagreements
Topic: Chesterton's Fence - Atheism and Culture
Replies: 42
Views: 5312

Re: Chesterton's Fence - Atheism and Culture

It is not so much in my view, Atheisim vs belief in God which is the critical issue, it is more the collateral damage that has ensued when Christianity has been abandoned, Christianity having been not just one belief but a whole set of beliefs and behaviours which reach far into the culture. There a...
by Lillailler
Mon Nov 13, 2017 4:05 am
Forum: Resources & Recommended Reading
Topic: Books that changed your mind
Replies: 30
Views: 6888

Re: Books that changed your mind

Not a book as such, but an internet article; not so much changed my mind as spelt out for me something I sensed was there but could not see the details of:

"Mappers and Packers", part of "Thinking about Thinking" at http://www.programmersstone.com/
by Lillailler
Mon Nov 06, 2017 10:56 am
Forum: Money Questions
Topic: Lillailler's Investment Philosophy Part 2: Exceptions
Replies: 1
Views: 438

Lillailler's Investment Philosophy Part 2: Exceptions

There are two exceptions to my 'highly diversified hands-off' investment portfolio style as described recently. The first exeption is 'home field advantage', which is to say I have more investments in the economy I live and work in than I 'should', if I went strictly by its share of the world econom...
by Lillailler
Sat Nov 04, 2017 4:44 am
Forum: ERE Journals
Topic: Fish's Enlightenment
Replies: 86
Views: 13498

Re: Fish's Enlightenment

Thank you for posting this very profound thread. the part of my life that I'm finding objectionable is not work, but commuting to work. That's 10 hours of my week on an activity that is completely unnecessary with good lifestyle design. Without changing jobs or moving house, I think the best that ca...
by Lillailler
Sat Nov 04, 2017 4:32 am
Forum: Work & Education
Topic: Temp Work as a Career?
Replies: 12
Views: 2252

Re: Temp Work as a Career?

I know a lot of people in technical professions work as temps or contractors. There is lots of scope in IT, engineering, project management, etc. One of my old friends worked for years doing 6 months or so at a time, then travelling for a few months, then taking another six-month contract. You need ...
by Lillailler
Fri Nov 03, 2017 5:36 am
Forum: Work & Education
Topic: Sociopath female boss
Replies: 52
Views: 12077

Re: Sociopath female boss

I strongly agree with what ffj said a little up-thread It comes down to what part you can control and not focus on the things that don't matter. Whether she earns her paycheck or not is irrelevant, also her personal life. I can assure you everybody is aware of her horrible behavior but don't care en...