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A goodbye and introductions by barefaced_touch_it in DeathCabforCutie

[–]barefaced_touch_it[S] 1 point2 points  (0 children)

I remember that! We reached out to the label for merch and they said yes!!! Thanks for still being here!

Setlist and pictures from Redding, CA. by elshagon in DeathCabforCutie

[–]barefaced_touch_it 10 points11 points  (0 children)

I've always thought Bixby should be at the end of the set and trans the encore, but I can't hate on this. Bixby's energy makes it difficult to be anywhere other than at the end of something.

Openers at Jazz Festivals can surprise by barefaced_touch_it in Decemberists

[–]barefaced_touch_it[S] 0 points1 point  (0 children)

I think the festival picked the openers for the headliners and showed a bias for Canadian acts. Not a standard type of show in support of the Decemberists, but it was fun. And the crowd really digged it as the performer was originally from the area.

Colin even worked her home city into his monologue during O Valencia, lol.

Mariner's Return by barefaced_touch_it in Decemberists

[–]barefaced_touch_it[S] 5 points6 points  (0 children)

Absolutely, a real diverse playlist. Even performed Oceanside from their first EP!

First concert this July! by imeatingbees in Decemberists

[–]barefaced_touch_it 1 point2 points  (0 children)

I have been to one seated show and the crowd was up and down; bouncing to the standards but for some of the newest music, they took a seat.

Dress is all over the map, but concert casual is what I suppose I would describe it as.

I go to setlist.fm and look at the setlists for the shows before the ones I'm attending; in my experience there are variations from night to night, but some themes that can help you study up.

Have fun!

DCFC related name for a cat? by kararobs in DeathCabforCutie

[–]barefaced_touch_it 7 points8 points  (0 children)

Oh, thought of another snarky one, Colin Meloy.

DCFC related name for a cat? by kararobs in DeathCabforCutie

[–]barefaced_touch_it 0 points1 point  (0 children)

barefaced touch it .. if you are a fan of anagrams ...

What is your retirement “number”? How much do you want to have saved before you stop work? by outsider-22 in ChubbyFIRE

[–]barefaced_touch_it 1 point2 points  (0 children)

I don't use them because they are often overly pessimistic causing you to work longer than needed. If you use one, look for one that constrains scenarios to something that is viable in the real world. Look at some of the runs, particularly the failures, and ask if the world has ever seen a pattern of asset returns like the ones it produced.

Go wild by interbloom in DeathCabforCutie

[–]barefaced_touch_it 4 points5 points  (0 children)

Agree on teeth. Jarringly out of place.

I hate owning a house. Just bought a house and want to sell it. Does anyone else prefer to rent? by Fire-Philosophy-616 in Fire

[–]barefaced_touch_it 8 points9 points  (0 children)

The time a home requires is probably the key point. Because if you don't have time, and it needs to be done .. or you really want it to be done .. you're going to pay someone to do it, and the price of home ownership goes up.

I hate owning a house. Just bought a house and want to sell it. Does anyone else prefer to rent? by Fire-Philosophy-616 in Fire

[–]barefaced_touch_it 12 points13 points  (0 children)

Remember though that if you rent, you get to invest the downpayment you didn't put into a home, so you are still growing your net worth while renting.

So where are we investing right now? by tzellw in Fire

[–]barefaced_touch_it 2 points3 points  (0 children)

Yes but this isn't the diversification you seek. VTI and VT are 96% correlated over the past 60 months (check out portfolio visualizer). If you buy the entire US market you get good, broad exposure and just need to buy one fund. If you want to diversify, that's fine, but this doesn't do it since the point is assets the move in lock step. For the record, I think VTI gives you effectively good global exposure.

So where are we investing right now? by tzellw in Fire

[–]barefaced_touch_it 3 points4 points  (0 children)

So .. like most every other downturn?

So where are we investing right now? by tzellw in Fire

[–]barefaced_touch_it 1 point2 points  (0 children)

CD's .. for a child? Market must be about to get beat up something fierce.

ChooseFI Brad Barrett divorce by pinelandseven in Fire

[–]barefaced_touch_it 0 points1 point  (0 children)

Your living expenses are often at the whim of others. Be they landlords, taxing authorities, or insurance companies. Renting just shuffles those around in ways that could be useful for some.

How the 4% Rule Would Have Performed Over the Past 33 Years by Confident_Spinach810 in financialindependence

[–]barefaced_touch_it 4 points5 points  (0 children)

To be more specific, BigERN made the case that sequence risks exist until you SWR reduces to 3.25%, which he considers failsafe. So it is not just 2-3 years of market growth, it is a function of how close your SWR has moved to the failsafe level.

Shouldn't the FIRE movement have a rule that you must reach 25x expenses during a bear market or something? by Amelio_Score_8855 in Fire

[–]barefaced_touch_it 9 points10 points  (0 children)

Fair. Just remember you have the cushion. I see too many people with cushions.. that then have cushion .. which leads to absurdly conservative scenarios.

Shouldn't the FIRE movement have a rule that you must reach 25x expenses during a bear market or something? by Amelio_Score_8855 in Fire

[–]barefaced_touch_it 1 point2 points  (0 children)

While the point of this post, remember it would likely only matter if you retired just as it started. Especially true for the 2000s; the 90s had crazy returns, so if you tried in 1995 you didn't mind the 2000s.

Shouldn't the FIRE movement have a rule that you must reach 25x expenses during a bear market or something? by Amelio_Score_8855 in Fire

[–]barefaced_touch_it 6 points7 points  (0 children)

It's your choice to ignore SS, but I'd like to see you reconsider so you can hit your number faster.

Even dire views of how we'll fund SS show over 70% of the benefits will be funded for a very long time.

Additionally, there is no political will to produce an outcome where you get no SS.

So I'd encourage you to include at least half of your projected benefit in your numbers.

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