erejacob

5 ms·

1.
by erejacob 14y ago
I (the OP) don't know why it was posted either, but the post is proven correct, so far. The great performance over the past 3 years was made possible by the terrible performance in 2007/09. The market still hasn't reached its high of the pa
2.
by erejacob 15y ago
Those common facilities are mainly intended for tourists and weekenders who would rather not have to clean their shower, toilet or deal with the pump-out station after they go home again. Permanent residents (like we are) will have their ow
3.
by erejacob 15y ago
A quick search on craigslist reveals several places for less than that and that's just in the past few days. http://neworleans.craigslist.org/search/apa?query=&srchT... Usually underpriced places get snatched up within a day, much lik
4.
by erejacob 15y ago
And I lived on less than $7000 per year when I was single. Yes, one scenario has two persons and the other has one but economically it's the same. This is covered elsewhere in this thread. BTW, I'll take that bet. We have a joint account, s
5.
by erejacob 15y ago
That's not quite accurate. Depending on how one measures somewhere between 40% and 70% of health care costs are used to treat lifestyle diseases (too much stress, too much food, not enough exercise) like high blood pressure, heart disease,
6.
by erejacob 15y ago
Nah, after a while it just becomes automatic. Kinda how toddlers must concentrate on how to walk but adults don't. Actually, I have a hard time writing about money saving tricks these days because it's all automatic/subconscious to me. As s
7.
by erejacob 15y ago
Have you considered airsoft or reballing? I used to play airsoft, never played paintball. The land/playing area would usually be provided by someone one of the players knew, private forests, empty barns, junk lots, etc. We all had our own g
8.
by erejacob 15y ago
0% coinsurance on mine. Go to www.ehealthinsurance.com and see what pops up (that's what I've used ... they may not include your state very well, but for CA, it finds 20 HSA eligible plans for me, 12 of which don't have coinsurance.)
9.
by erejacob 15y ago
Try something slightly higher, like 83%. Maybe 5.4 years. You did get pretty close there. You're in the ball park. Tax laws differ by income. If you make less, taxes go down. The capital gains tax goes away. Dividends become qualified.
10.
by erejacob 15y ago
What I'm trying to say is that people who are ultra-frugal are sometimes told (insofar they don't keep it secret) that their life sucks and they're not having fun or various things about their stuff. (See examples above.) This is followed b
11.
by erejacob 15y ago
I haven't seen any indications anywhere that California provides funds to my insurance company. However, plans do cost different amounts in different states.
12.
by erejacob 15y ago
Welcome to my life.
13.
by erejacob 15y ago
You could just do something else then. I'm not saying "everybody copy me". There are paid versions of my activities, but I eventually found the versions there were free or almost free. This holds for almost everything unless you insist on a
14.
by erejacob 15y ago
+1 on the difference between choosing to and having to... while I haven't made lots of money or purchased big ticket items, I did make relatively much as a high school student (more than my peers) and blew it all on graphics cards, SLR came
15.
by erejacob 15y ago
Fun fact: One third of scientists (on a global basis) do not live in the country they were born in. (See http://www.fasebj.org/content/18/9/936.full ) This comes from a lack of opportunities. For example, there are no groups working on wh
16.
by erejacob 15y ago
And I have enough savings to pull this off for decades should it come to that. Granted if one gets so sick so as to max out the deductible every year consistently, one's life expectancy is probably not that long If one stays healthy, unused
17.
by erejacob 15y ago
Have you checked out Seabrook (dunno what your feelings are towards salt marches and nuclear plants). I hear they almost pay people to live there. We were talking about moving to the Free State for a while but the property taxes are scary.
18.
by erejacob 15y ago
Okay, to be more precise: >>Don't pay any interest or fees<<. I do run online purchases through my credit card and then pay off the balance in full every month.
19.
by erejacob 15y ago
Since 2001 and up to now. Are you positively sure you have the cheapest rent in town? We lived in the same city for two years before we found a place that was 30% cheaper. Go to craigslist and set up an RSS feed. The underpriced places don'
20.
by erejacob 15y ago
I agree with you to an extent. However, it's a lot easier to think about the money you do have than it is to work for the money you don't have. My attitude towards spending is more of a game to see what I can get away with, e.g. getting the
21.
by erejacob 15y ago
Yes, money can be an agent of change. Time also. Some may do best working in a traditional structure. Others do better on their own. I helped found a nonprofit organization during my first year of "retirement". However, I found that I could
22.
by erejacob 15y ago
But 2-3% of my assets. I wouldn't get too hung up on the details. I didn't earn 40k every year. Some years were less. And some were more (see FAQ). I didn't live in New York. Everybody can run their own spreasheets for their personal income
23.
by erejacob 15y ago
It wasn't written "for a general audience". I and my regular readers are regularly judged negatively for not choosing to consume and go into debt like everybody else so the blog is more of a support group for those who are willing to go aga
24.
by erejacob 15y ago
Okay, that's nitpicking. Make that 26k invested then. Also, you can reduce the taxes by diverting into an IRA. Also, after the first year, you can begin to add investment income on top of your regular income. This investment income will inc
25.
by erejacob 15y ago
Why do people here have such a fascination with toilets? The way a regular toilet works: Water automatically enters the bowl. You do your thing. You press a lever. The way an RV toilet works: Water enters the bowl when you press a pedal. Yo
26.
by erejacob 15y ago
It is really a pity. If I had just claimed that I spend twice as much as I actually do, people wouldn't be so quick to discard the idea. However, it really is a matter of efficiency. It wouldn't surprise me at all if my neighbors spent 50%,
27.
by erejacob 15y ago
I was living on 5-7k for five years before I got married. Being single or married doesn't materially affect the math. If you're single, you can live in a smaller space, but you'll spend slightly more on rent. This is nearly a wash. However,
28.
by erejacob 15y ago
@rorr - Uhm, yes, your point? I did say I was living on 5-7k/year.
29.
by erejacob 15y ago
I pretty much spend my time trying to "educate" unaware, materialistic consumers. I've affected more people than I can count (those who've told me) and presumable more beyond those (who didn't tell me). So I have a blog, a book, a forum, an
30.
by erejacob 15y ago
I think you can make that argument for my country of origin. They can add negative for the brain drain as far as I'm concerned. I guess the same holds for a lot of Indian or Chinese students who came to the US. As for grad school and postdo

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