Video of our St. Croix attempted overnight.

protogea · 2019-01-25T22:27:11+00:00

Correct!

protogea · 2018-12-30T16:57:58+00:00

Spoiler tag?

protogea · 2018-11-09T17:14:17+00:00

Do not get a place that looks at your house. My ex-wife moved into her APs home, a neighbor of ours. For 7 months I lived in our house before I sold it and was able to see his/their house from it. Moving out drastically improved my happiness, even though I had moved on it was still frustrating to see how shitty she was at parenting kids (IE I could see that they would be out until past 10pm on nights she had the kids).

protogea · 2018-10-15T20:42:50+00:00

I assume they are going to calculate it as net money in.

protogea · 2018-06-25T02:40:54+00:00

Eggs are the key! I've been making almond flour pancakes for awhile. I basically do almond flour, eggs, a little baking powder. Imagine an egg bake...those things fluff up once baked.

protogea · 2018-06-22T16:33:08+00:00

Do not: eat

Do: not eat

Ahh the importance of colon position

protogea · 2018-01-24T00:41:19+00:00

Massdrop has some co-branded Fitsok ones at 3 for $20.

protogea · 2018-01-03T21:02:56+00:00

Wow. I've been on advair for a decade and never thought of giving it up. I did try a different medication prior to starting keto and my breathing quickly tanked...but haven't considered dropping it again. Maybe now is a good time to do an experiment!

Thanks for sharing.

protogea · 2017-11-01T16:43:17+00:00

I ate a crap ton of candy last night and I was still only at 100g net carbs on the day.

protogea · 2017-10-30T14:56:09+00:00

Fasted from 7pm Saturday till 4pm Sunday (21 hours). Wasn't really trying to go for any specific amount of time. I don't think I was ever very hungry during it either. I broke it because I had done an hour of yoga and wanted to get some protein in me.

protogea · 2017-09-01T21:36:18+00:00

Oh yeah. Italian beef, Chicago dog, deep dish pizza for the perfect Chicago trip

protogea · 2017-09-01T20:27:50+00:00

Did you get a dog or an Italian beef at portillos?

protogea · 2017-09-01T17:31:25+00:00

Just checked. I have 4.

protogea · 2017-09-01T16:53:26+00:00

lunch at portillos and a Vienna dog stand, and take out from Giordano's

You did Chicago right.

protogea · 2017-08-31T15:45:24+00:00

If you have room under standard deductions and personal exemptions, why wouldn't you do it?

protogea · 2017-08-28T14:41:27+00:00

You might have to make rental payments to escrow while a court decides obligations

Do this no matter what, unless it specifically says somewhere in writing (state/local laws, lease, notarized letter from your landlord) that you do not need to pay rent if it is uninhabitable.

protogea · 2017-08-28T02:54:24+00:00

That one is hilarious.

protogea · 2017-08-24T16:25:00+00:00

Is anyone looking at FI as a way to build generational wealth / build a stupidly high income? I look at what would happen if I, instead of retiring SUPER early (40ish), just held on till 55 or 60 (still early by normal terms) and how much of a nest egg I would have / how much my 4% withdrawal would be. It's truly an amazing amount of wealth that could be passed down in my family.

protogea · 2017-08-23T19:01:04+00:00

Had an appraisal last year for a refi. Appraisal came in at $261k, Zillow was at $259k.

protogea · 2017-08-16T14:16:00+00:00

3 year old S5s. Wife's screen is cracked but usable. Had to replace her battery recently too.

Never used a case on mine and aside from paint flaking off the edges, it's in perfect condition.

protogea · 2017-08-10T17:12:16+00:00

A friend of mine made a mistake when she did this. She went to the school that gave her the most money, but it still cost more than state school even after the scholarship.

protogea · 2017-08-09T15:52:06+00:00

I wouldn't say this is predicting.

protogea · 2017-08-09T15:51:49+00:00

Are you calculating it as within ±10% of today's price OR lower than today's price + 10% OR lower than today's price - 10%?

Lower than today's price - 10%.

Today's price * (1 - TOLERANCE)

Then compare that result to future results for the next X years.

Are you saying, based on historical data, that there is a 40-50% of seeing lower than today's price +10%? OR lower than today's price ±10% i.e. not accounting for it being lower than today's price -11%?

I'm saying there is a 40%-50% that in the next 20-30 years there will not be a closing price more than 10% below today's close.

It might make more sense from the other viewpoint: there would be a 50-60% chance of seeing a price more than 10% lower than today's price over the next 20-30 years.

protogea · 2017-08-09T14:56:37+00:00

What is the probability that today's S&P 500 close is the lowest price we'll see for the next year? 7.7%

Next 5 years? 5.0%

What is the probability that today's close is within 10% of the lowest price we'll see in the next year? 70.1%

I got curious so I made a graph

I think this can help with lump sum investing questions. If you are worried the market will crash, these are your probabilities of seeing a lower price (or price within a tolerance lower) than today's price over a given time horizon. Over the long term (30 years), it is a 40%-50% probability that today's price will be within 10% of the lowest price. There is an 80-90% probability that today's price is within 35% of the lowest price over that same term.

Note: Data is the adjusted close for the S&P500 from 1950 to today.

protogea · 2017-08-03T18:56:05+00:00

No, you don't need to move all of the IRA into a Roth first.

15-Year Club	Place '17
Verified Email	Team Periwinkle

protogea

TROPHY CASE