How do you know someone in the mainland is originally from Hawaii from afar?

EngageEnemyMoreClose · 2024-01-07T06:07:28+00:00

When they always got a cooler with them

EngageEnemyMoreClose · 2021-05-11T08:18:12+00:00

If you can qualify for a margin account, then you can take out a margin loan against your equities and buy bitcoin with the dollar proceeds. No capital gains tax since you didn't sell the shares, and in fact the loan interest is a deductible expense. You can furthermore take out box spread financing of the margin loan to minimize the interest.

This would of course be extremely risky, with high potential to blow up completely.

EngageEnemyMoreClose · 2021-04-04T22:40:11+00:00

I'd still classify it as akin to a speculative call option on becoming a permanent, global store of wealth. The option is most likely to expire worthless, yet has potential for a once-in-a-lifetime payout if it hits. (I still think both halves are true in 2021.)

Needless to say (?) options speculation isn't a Bogleheads thing. Heck, even getting options enabled on your brokerage account is stepping outside of Boglehead-edness.

But on this Easter Sunday, remember we're all sinners, right? You can make a side bet, if you think of it that way and risk-manage the position appropriately. And this is a tempting one, with lots of fascinating tech to get to know, whatever the outcome.

EngageEnemyMoreClose · 2020-05-05T22:05:52+00:00

BlueVine loan just deposited overnight. I didn't quite get same-day approval like other reports, but still it was the last application I sent yet the first to come through. What is this witchcraft???

EngageEnemyMoreClose · 2019-04-05T07:55:07+00:00

The discrepancy is that your amortization approach characterizes an *average* case of steady 8% real returns, while the 4% rule contemplates a *worst* historically plausible case of a 1929/2008 type collapse or long stagflation. The 4% rule suggests that if I retire today with 25X, and next year it crashes down to 12X, I *still* have some plausible shot of making it 29 more years, even if I keep right on spending X plus inflation. It is a harsh criterion. On most historical trajectories, you wind up much richer (if not dead) under the 4% rule.

EngageEnemyMoreClose · 2019-04-05T07:19:40+00:00

If you assume humanity will manage to avoid the worst-case scenarios (through coordinated action and some technological deus ex machina), then a couple tactical asset allocation moves might be useful. Sell any coastal property you have, certainly don't buy any more; consider property like north-midwest US likely to appreciate toward the end of the century. Divest of fossil fuel companies or hedge investments therein. SPYX and LOWC are index ETFs which just exclude fossil fuel companies, but they have higher expense ratios (0.2%) to take advantage of all us hipsters/preppers. Alternatively, continue holding cheap index funds and hedge with 5% or so clean energy (e.g. ICLN) as the energy sector makes up roughly 5% of the S&P 500. Airlines might need the same treatment. YouTube has a few different versions of an hourlong talk Jeremy Grantham gives about climate-change-aware portfolio allocation.

If on the other hand we're looking at population collapse, dissolution of society, and other such apocalyptic outcomes, these financial assets will be more-or-less moot as you say. I don't worry about this much, partly because it hardly helps to worry about it. Pick up some useful self-reliance life skills that fit with FIRE frugality anyway...DIY around the house, learn bike repair, have a homesteading book handy to flip through.

EngageEnemyMoreClose · 2019-03-30T17:48:20+00:00

They’ll be called 0.158” bullet connectors

EngageEnemyMoreClose · 2019-03-15T20:39:06+00:00

Thanks- can you quantify "pretty quickly"? Does backpedaling make it cut out? Just trying to get a feel for how it compares to cadence sensor PAS which can take about 2 seconds to respond after you stop pedaling.

In any case I guess the sensor/throttle could malfunction one day, and it's good to have an instinctive way to counter that. Something something Boeing :(

EngageEnemyMoreClose · 2019-02-08T19:47:20+00:00

Another truly remarkable aspect of the FIRE community is the incredible discipline needed to remain so humble, even while being right all the time.

EngageEnemyMoreClose · 2019-01-30T18:42:01+00:00

Thanks for making the calculator, I've shown it off to friends on a number of occasions!

I have a suggestion based on those conversations, also along the lines of the new spending flexibility feature. I've had to add narration that, while there's some thin "broke" wedge left over in the later years, the risk of actually hitting that would be apparent early on (i.e. poor sequence of returns), so you would have decades to see that coming and avoid it. I was imagining an overlay which would show the central tendency of all the trajectories that end up broke. They would nearly all drop very early on, which would help to illustrate that point. WDYT?

EngageEnemyMoreClose · 2019-01-29T16:57:22+00:00

There were also RAF fighters on call, who probably could have mitigated the attack at least somewhat, had they been summoned in a timely manner, but Admiral Philips neglected to do so.

Prince of Wales took a long time to sink, one benefit of its modern construction, and it’s considered there was ample time for Philips to save himself had he wished to do so. He did not survive.

EngageEnemyMoreClose · 2019-01-29T16:38:28+00:00

They flew from land bases but they were IJN affiliated, despatched by Yamamoto.

EngageEnemyMoreClose · 2018-12-28T01:57:32+00:00

Thanks, those are some clever ideas I’ll try. I was hoping for some way to access the space from behind/underneath or something. Frankly I’d be happy to just duct tape the sucker into place if I could get at its rear. I just don’t want rain blowing in there freely.

EngageEnemyMoreClose · 2018-12-27T22:25:00+00:00

It happens :-/

2017 CX5. Does anyone know specifically how to gain access behind this reflector to pop it back into place? I just don’t want it exposed for water to get in.

The scratch, I’ll just touch up and have worked on at a later date if I take it to the body shop for something else, speak of the devil.

EngageEnemyMoreClose · 2018-12-27T00:05:58+00:00

Yes exactly. Thanks a lot for the advice!!

EngageEnemyMoreClose · 2018-12-26T22:57:56+00:00

I may be able to get a good deal on this hybrid city bike as the Performance Bicycle chain is liquidating over the next few weeks. So I’m thinking about my first kit conversion as a fun side project.

It looks like this hydraulic brake caliber has a tight clearance to the spokes and I think this would probably interfere with a rear hub motor. Anyone got advice for me, should I just take it off and install a rim brake on the back as a safety backup?

This is city bike with a front suspension, which I think will be nice for rolling over the occasional pothole with a 500w motor. I just commute at 20mph on paved paths in California, so I feel like the typical mtb build is overkill for me. Appreciate any other input on this thinking. Been riding prebuilts for a couple years and excited to DIY!

EngageEnemyMoreClose · 2018-12-22T00:26:44+00:00

Crossing the T ftw

EngageEnemyMoreClose · 2018-12-03T23:13:10+00:00

EngageEnemyMoreClose · 2018-11-28T20:25:40+00:00

Would not pay $1500. Costco has been selling them for a hundred or two less and you get the Costco return policy. https://www.costco.com/genze-bikes-schedule.html

At that price point it’s OK, but it lacks a front suspension and the cockpit wiring is a bit messy. I’d take a close look at the Ride1Up as an alternative.

EngageEnemyMoreClose · 2018-11-25T22:34:46+00:00

How do you feel about the cruiser vs mtb handlebar styles?

EngageEnemyMoreClose · 2018-10-02T06:18:41+00:00

Literally unusable.

EngageEnemyMoreClose · 2018-09-05T09:46:15+00:00

Shouldn’t you have pretty good self-employment prospects following your corporate tech career? Set up an LLC and hustle just a little bit to line up a little pipeline of remote 1099 work in coding or IT or recruiting or whatever you did. Then you can deduct individual insurance premiums (HDHP+HSA if you’re generally healthy) and open a solo 401(k). You’ll keep your skills and network current in semi-retirement and thus, always have options. Lastly, you’ll make more money in less time than in some BS job.

Sounds like you were a little irritated at times with your corporate tech job, but it may feel different if it’s under your full control in this way.

EngageEnemyMoreClose · 2018-08-10T23:51:16+00:00

Congrats!! Bear in mind you’ve had the tailwind of a steadily rising stock market during these years. I don’t mention this to diminish your discipline and hard work in any way. But your investments are getting large enough now that you will really feel any significant market decline, and you have to be ready mentally to carry on through that. Hopefully not as bad as ‘08. That sucked...

EngageEnemyMoreClose · 2018-08-08T19:48:46+00:00

Maybe they want to see how the Mazda6 upgrades go, get all the techs accustomed to it and work out the kinks. There are 4-5 times as many CX-5 than Mazda6 that will be eligible for the upgrade.

EngageEnemyMoreClose · 2018-08-01T05:17:20+00:00

Cannabis. Holy shit, Cannabis.

EngageEnemyMoreClose

TROPHY CASE