Early Retirement Extreme Forums

I... was not aware I was a pawn in some game of chess between Mark Zuckerberg and Elon Musk, especially considering I use none of their products. Cool, do I get government money or something? So climate refugee is just a rebrand of snowbird , the same way, for example, sleeping around is now polyamo...

People don't do it to save the planet, that's a virtue-signaling cover. They do it because they're poor. I do it, not only because I'm poor, but also to be somewhere warmer than Colorado in the winter. Does that make me a climate refugee?

@unemployable- Why not just use a debit card? Are you trying to take advantage of rewards/points? That's part of it. Also: It's available credit if I ever do need it As unpleasant as my recent experiences with the credit cards have been, debit tends to be worse if I need to do a chargeback Without ...

I've been doing the opposite, in a sense, and have run into a couple problems. I've gotten into the habit of paying ahead, or at worst simultaneously, on my credit cards. This lets me account for liabilites in real time and, as it has evolved into paying a fixed numerical amount every day onto one c...

classical_Liberal wrote: ↑

Wed Apr 05, 2023 4:01 pm

Maybe you should write a "Thank You" letter to OPEC?

Still waiting to hear back on the one I sent to Putin

—3.7% for March. SPX was +4.0. Oil can be a harsh mistress, but tomorrow looks like it'll be a good day. Commentary to come if I feel like it.

I'm not sure about real estate Oh, I'm probably even less sure; I was just giving examples of things that do well in anticipation of inflationary environments. Of course if it's your primary residence and you can cover the carrying costs, you don't even have to care what it's worth and can write it...

I've gone from about a 6% withdrawal rate to 2% in 13 years, but ascribe the reasons for this as more form reducing expenses, developing creative and/or nonmonetary solutions to lifestyle needs and adjusting those needs than from market gains, although the latter didn't hurt. My nominal expenses, av...

Have any ERE cities or neighborhoods developed over time since the discussion in this thread? ... Bonus points if it is a city that is resilient to climate change I don’t think Chicago has frequent meetups but think it could be such a place. Back when I had to deal with Chicago winters my stance wa...

The tax status depends on that of the underlying investments. For example, for MLP ETFs, distributions are treated as return of capital and aren't taxed at all immediately, but do lower your basis. So presuming a money-market ETF invests in private debt instruments, they are taxable as income at the...

Re 1984, all the themes in it are also in Catch-22, except Catch is also funny.

theanimal wrote: ↑

Mon Mar 20, 2023 10:47 pm

Adventures of Huckleberry Finn

Do US schools even teach this one anymore, along with Tom Sawyer?

Just read Catch-22 three times

The internet thinks it's Credit Suisse. Once in awhile, the internet gets it right. Recessions, like bank runs, are self-fulfilling prophecies. And we are definitely at the point that enough people think we will have a recession that we will have a recession. Although we crossed that Rubicon a few ...

Didn't most of us here get to ERE, or are pursuing ERE, by working within the system? What other way is there, besides being born rich-but-not-too-rich? Tells me the problem is all the other baggage people accumulate. Cars. Houses. Kids. Nice things. Disney vacations. Debt. I keep coming back to thi...

Seems like fasting combines well with "those random 2-5 days i won't have access to a full kitchen so i can't be fucked with food." Yeah that and not finding the bagful of food thrown at me from Mardi Gras floats appetizing enough to want to eat. The sit I'm supposed to be on already migh...

From Appalachian Virginia, this month I traveled to a housesit in Asheville, then down to the Alabama Gulf Coast for Mardi Gras, then up to a sit in Birmingham. I was going to go back down to the Gulf Coast for the first week of March, but I found another housesit in northern Alabama and right now I...

zbigi wrote: ↑

Thu Feb 16, 2023 2:33 am

It would be cool if bookies took bets on it actually happening, as it seems so obviously improbable. OTOH, it would take 12 years to resolve the bet.

You can trade crude oil futures out to 2034. That's probably as close as you can get.

Dakotan wrote: ↑

Fri Feb 10, 2023 10:34 pm

cats

Well your first obligation to the internet is to post pictures of said cats.

I have sat 17 cats since October and have seven cats pending on future sits, not double-counting a two-cat household for which I have two separate sits.

What I still have a hard time understanding is why more people don't just travel cheaply in 3-4 countries rather than pay to obtain permanence in one country (assuming one does not have kids). Barriers to entry — the literal kind but the soft kind too. Having to find lodging every time, hoping you ...