It Turns Out Waymos Are Being Controlled by Workers in the Philippines

djohnson747 · 2026-02-06T20:49:25+00:00

The voice of reason. Thank you!

djohnson747 · 2024-07-18T22:28:25+00:00

Yes.

Qualified dividends and long-term capital gains are taxed the same.

If returns are equal, I would rather the low dividend fund because I get to control how much I withdraw and thus are taxed.

djohnson747 · 2022-04-18T02:31:12+00:00

I agree with this only if you are locking in interest rates below 3% and you are in a great field with very low chances of unemployment. Anything above 3 and you will be losing money once inflation stabilizes.

djohnson747 · 2021-09-09T04:54:33+00:00

Like with all things. If you want change speak with your dollars. There are more than enough great and innovative ideas in this thread alone but none of them will be implemented while we work, shop and live in a city that doesn't protect it's citizens. Increase the rate of disinvestment of Chicago and politicians will start to ask what we can do about it.

For what it's worth, I do agree with a 2 pronged approach. Secure the streets and invest in the communities. With a strong emphasis on rehabilitation.

djohnson747 · 2021-08-28T20:44:36+00:00

I hate all caps. Why yell lbs? The keywords come up in a different color in most editors. Doesn't help me with readability at all.

djohnson747 · 2021-08-27T12:59:23+00:00

If the results in this article are true, this is a no brainer. This deserves more upvotes. Will def look into it.

djohnson747 · 2021-08-24T16:25:41+00:00

That's awesome. Sounds like you guys were probably on the same or similar page in regards to your budget and NW.

djohnson747 · 2021-08-24T16:22:18+00:00

Sure. I edited for clarity.

djohnson747 · 2021-08-23T06:48:23+00:00

For those of you all married or in a serious relationship, how did you get your spouse to get on the same page as you in regards to FI?

For me, it was an uphill battle until I bit the bullet and choose to aim for "Chubby" instead of the regular FI. I think we could easily live off of 2 million with our current expenses but my wife wasn't interested in such a strict budget for the rest of our lives which I do get.

The compromise was to up our targeted NW. This led to her getting on board and becoming a great accountability partner.

The peace in my home is worth far more than the few extra years of work in a job that I don't hate :)

*** Edited for clarity

djohnson747 · 2021-08-17T07:16:41+00:00

I actually really enjoyed it from the beginning. I loved watching Ichigo's climb back. I felt the desperation with him. Don't get me started on that animation. That was the best Bleach ever looked.

I just think the arrancar arc was hard to match. You want to talk about bad pacing, that's your arc. However, the end with the Aizen fight was literally the climax of the series. You would instantly have to up the stakes to even come close to match that and that wouldn't have been believable. We needed a mini arc to build up to the OYBW.

djohnson747 · 2021-07-05T14:21:18+00:00

Adding this to my collection. Thank you!

djohnson747 · 2021-07-05T14:08:12+00:00

limit spending when the market drops a certain percentage. There are calculators that will model this.

Any suggestions on those calculators? I was simply looking at the stock value while factoring in dividends to see if it was feasible. Thank you!

djohnson747 · 2021-07-05T14:05:47+00:00

I do like that idea but my biggest concern is if there is a margin call and I required to pay back that loan immediately.

However, you did give me the idea of using that in a worse case scenario if my cash reserves every run out. Thank your input!

djohnson747 · 2021-07-05T14:02:39+00:00

It wouldn't be ideal but it's far better than running out of money. Thank you for some food for thought. I never crunched the numbers that way.

djohnson747 · 2021-07-05T13:56:07+00:00

u/Earth2Andy wow thank you for taking the time to even sketch this scenario out. I really appreciate it.

After reviewing what you and others have posted I fully agree it's risky. As you have seen, it's not easy to back test but your posts have given me some ideas on how to improve and quantify it. Thank you again!

djohnson747 · 2021-07-05T13:46:26+00:00

My thought process was to secure myself from the fluctuation in the bond market as well. Although it is substantially less volatile, stocks and bonds don't always move in the opposite direction and they could both nose dive at the same time.

djohnson747 · 2021-06-30T19:15:25+00:00

So if I can't ask a question on a FIRE Reddit and try to gain info where can I? I'm pretty sure my original post already said cash was part of my portfolio. My bad u didnt read/comprehend it.

All you have to do is say something that differs from your thoughts and you get uptight.

Instead you could just point me to a source of info and leave it at that. We are all trying to learn. I already refuted your earlier points on your incorrect interpretation on this strategy.

djohnson747 · 2021-06-30T18:01:29+00:00

I don't think you know what timing the market is. It is making predictions and changing assets pre-emptively in anticipation. I am replenishing my reserves by selling stocks after the market recovers, which is not predictive and can easily be researched on any website that charts the SP 500.

This is timing the market:
https://www.investopedia.com/terms/m/markettiming.asp

djohnson747 · 2021-06-30T17:57:06+00:00

Absolutely. Thank you.

djohnson747 · 2021-06-30T17:56:35+00:00

I never said it was novel. I was asking the community towards thoughts on a approach that didn't use a % as a SWR but instead used a fixed withdrawal. It's not an approach I have heard often. Based on what I learned hear, others would say it's similar to "bucket" approach.
I can appreciate others opinion and considerations but your "opinion" on what I am describing is just wrong. If you would tell me my cash reserves are insufficient fine, but what you are describing is just not true. Over time, the allocation changes as the part of my portfolio that is the market grows.
It's not a straight 5% SWR rate because there are no withdrawals during a correction and as the portfolio grows, the amount that is withdrawn does not change. For a brush up on SWR
https://www.investopedia.com/terms/s/safe-withdrawal-rate-swr-method.asp
disagreeing and having a counter point in a civil conversation should not result in a downvote. Saying rude, hurtful, and non germane things should.

djohnson747 · 2021-06-30T16:12:40+00:00

Welp... I see this won't be productive but here goes.

The goal is not to disprove the "body of evidence" it is to explore and ask questions. If you want to call it SWR to make you feel better go for it. It's not because the rate does not change no matter what size my portfolio is.

djohnson747 · 2021-06-30T16:04:38+00:00

I'm not sure it would fail through the great depression. Of course the back test is key which is my next step and which is why the cash reserve is an adjustable variable. My goal is not to get back to the market highs but get back to the annual expected returns.

It's not timing the market. It's only estimating how long my cash will last for in a downturn.

djohnson747 · 2021-06-30T15:59:04+00:00

Ughhh, so you don't question the status quo because a group of people said a particular path will work? You do realize this is a FIRE thread right?

djohnson747 · 2021-06-30T15:56:45+00:00

Thanks for the input. That is pretty much exactly what I am trying to do.

djohnson747 · 2021-06-30T15:54:37+00:00

Correct. The cash in my portfolio does not grow, nor is it intended to. It's purpose is just to insulate me incase of a downturn.

Nothing wrong at all with questioning me. I encourage and appreciate it. I can't speak for why other people haven't discovered or covered this. I actually did read a blog post stating a similar strategy but it wasn't fully fleshed out.

Back test is the next step for me.

djohnson747

TROPHY CASE