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But then you have to store them. Plus you’d want a bit of diversificationin your collectibles. To this end I’ve launched a new fund that also includes baseball cards, beanie babies and classic American muscle cars. Buy now.

Spending Total of $38,539. This is an interesting number because it's within 2% of last year's spending, but I didn't bother to track 2018 on an ongoing basis. This year really reinforces my belief that our approach to spending is sound. We spend what we need/want to, and we're not seeing much...

So, you know he does this because he’s done it enough times that you’ve noticed a pattern. And yet, you waste time leaving a message that you know he won’t listen to? Tell us more about his irrational and annoying behavior.

Two weeks, two months, two years. It doesn’t matter how much notice she gives, or they want, no one is going to start hiring her replacement until she’s gone. Management wants her to stay so they can kick the can down the road a bit. The longer she waits the longer her coworkers will have to...

Yes

$1.2M NW. $930k investable. 2015-05: $400k 2015-10: Paid off mortgage 2016-03: $500k 2016-11: $650k 2016-12: $800k 2017-06: $900k 2017-11: $1M 2018-01: $1.1M 2018-09: $1.2M

No good reason to relitigate the math on the topic. We know that all things equal (which they aren’t) there is a higher probability of ending up with a higher net worth by keeping the mortgage than by paying it off at these interest rates. We also know that home equity is less liquid. The...

They’re not exempt, they just don’t have many assets. Pensions are not subject to wealth tax If you’re trying to live off assets you might be in for a real hurt. My understanding is that if you’re a resident, wealth tax applies to all global assets in excess of 700k euros (1.4m for a couple)...

Agreed. I’m not much of a coffee drinker, but I’ve had, and made, iced coffee both ways and there is a big difference. I wouldn’t drive 20 minutes and pay $5, but I probably wouldn’t drink the drip coffee over ice either, I’d just drink it hot.

Spain is wonderful, but the wealth tax is a killer if you’re planning to live off your portfolio and not a pension of some sort.

Worth considering that wealth can have a significant impact on longevity This page doesn’t suggest that the application corrects for the extra 5-10 years of life expectancy of someone with enough money to retire at the applocation’s default of 40...

Trouble Free Pools TF-100 Test Kit No pool owner should be without one of these. The $70 you spend now will save you hundreds, maybe thousands. It takes all the mystery (of which, it turns out, is very little) out of pool chemistry. The pool might be a bad decision, but a proper test kit isn't.

Any bike shop should have a bin and be able to find you one that fits. Worst comes to worst, brake lever are $5-10 brand new and only take a few minutes to fit assuming the grips come off fairly easily.

We looked at this as well. Since you’re planning to become a resident how does the wealth tax factor in? I recall wealth tax adding around $15k/year on a $2M portfolio. I’m not sure how the rental income plays out, do they want a chunk of that too?

Continue buying on my regular schedule and rebalancing as needed. Same thing thing I did on the way up.

Broke $1.1M NW. $830k investable. VTI's 6.25% year to date performance made quite the difference. Next milestone really should be $1M invested. 2015-05: $400k 2015-10: Paid off mortgage 2016-03: $500k 2016-11: $650k 2016-12: $800k 2017-06: $900k 2017-11: $1M 2018-01: $1.1M

Remember that the 18k limit isn’t split between a 403 and a 457, it’s 18k in EACH for a total of 36k a year in tax deferred accounts. If you have the money, max out both.

I agree, this doesn't really apply to many in this group. It applies well for those that are impulsive and need a system to control their spending urges. My first thought for any particular purchase is "Do I really need this? Will it make my life $N better?". Then I repeat that thought several...

Confirmed, it is a thought exercise. We aren’t retired yet, but I was curious how our 20-30% buffer compared to others, for the sake of inspiration. This thread also reminded me that our expense accounting includes long term, over-estimated, savings for car maintenance and purchases which...

I think it's really interesting how many of us currently spend around $40k, could trim to a comfortable, if unexciting, $30k-ish, and dip into the $20k range without selling off cars and homes. I'm not planning to cut my spending to the bone, but it's good to know we have room to cut if things...

After summarizing our 2017 spending I looked at the number with a bit of disappointment. We live in a paid off home in a low cost of living area, with 2 paid off cars and employer healthcare, and we still managed to spend more than $37000 this year. But what could I cut? - $3000 on home...

I don't track by category, though I do account for large optional expenditures that we could cut in a downturn if needed. I also don't currently account for health insurance or income taxes since these will be significantly different in ER. Spending Total of $37,762. We expected to spend about...

The "Golden Visa" is only required if you, for some reason, need a fast track to permanent residency. Otherwise you just apply for a regular old 1 year visa by proving you have income to support yourself, health insurance, accommodation and that you aren't a criminal. That visa is renewable in...

I've interviewed a fair number of boot camp graduates. I now avoid boot camp applicants unless they have other relevant experience or something that makes me think "This person is really interesting". One large turn off is the dishonesty I see coming out of the programs. They're counseling...

If time is money, I probably spend too much time doing things myself when I should be paying someone else to do them and, in turn, using my time for something more lucrative.