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Are you the guy from pfblog.com?

Hello, Inspired by this board, I am looking into buying Vanguard index funds in Belgium (where I live). However, we can not buy the Vanguard funds the way US investors can. We have 2 possibilities: 1. 'Cortal Avenue' from French stock broker Cortal Consors, the partner of Vanguard for the...

Not money specific advice but I think it flies anyway; 1. "The hardest way is always the best way." 2. "Make sure everybody wins in every transaction you make."

Age: 21 Occupation: Student Income: 5-8k/yr (tutoring and summer internship) Expenses: about 130/mo (my parents support me for the normal living expenses) Net worth: about 15,5k Stuff: Already bought my own bed and furniture, own 1/3th of a sailboat type 470 (looking to flip and upgrade to...

My goals for the next 3 years are: 25K (euro) by june 2008 (when I graduate): This might be a stretch (I will be at 18K after this month), but 25K is really a goal I've had for a long time. After that, I am thinking of paying myself a minumum wage (500 euro or so), saving the rest, and...

My first guess was: Is it possible that your upper management is envious of your good financial position? It might be a reason you don't get raises.

Maybe, but I don't want to risk falling in love when the relationship can not last at least medium term. "if you are a virgin then how would you know if "it's as good as if i had it"?" Good point, of course you are right about sex. I was more referring to specific situations where I am ok with...

IQ: 140 Virgin? Yes I do think though that smarter people enjoy platonic relationships more. Once the girl is interested (body language, hints, intimite conversation topics, ...) it's as good as if I had it. (I do regret a few specific moments though.) The nicest thing now is that I have a...

I don't understand why everebody dislikes RK on this forum. Ok, he might be selling 95% air, but you must admit that the his 'concept' and childish way of explaining helps ordinary people a lot. People on this board simply aren't ordinary financially, that's all. I think RK is a great...

I like the fact that you have a system for your retirement savings. Nice blog concept.

Pavo, 130K at 25 years old is very nice. Congratulations.

Thanks for tips Moorebonds! We're living in Belgium though, so not all are applicable ;) In Belgium, once you pay yourself about 34K yearly, the fiscus will allow all the other fun things (such as renting your own home at market conditions). We do not have Roth IRA and such. The greatest...

I would rather say most people here are ambitious and have big plans for ER. You are right that you can live a nice life on less than 1 million, but that doesn't make it ridiculous to want more.

Hi all, I am very pleased to say that my little brother (age 17) has inherited the FI-ambition after seeing an Excel sheet with calculations on what investing 36K a year can do after 40 years. This is a worry less as my brother will be starting his software firm from the day he turns 18 (he is...

Thanks a lot. Somehow it feels good people want to bid money on my future :) Fyi, I talked to a partner at my firm and he said I can ask to be staffed wherever I want in the world. This yields many pleasant options, fiscally as well as intellectually. For the moment I am thinking of starting...

Transportation is already heavily taxed, which prevents people and businesses from reaching their full potential. I agree theoretically on taxing 'externalities' such as pollution, but have big questions with the scientific value of any academic area that is politically influenced. Also, if...

True. Also never heard of few night life entrepreneurs (disco, ...) who didn't pay his share in 'keeping the neighboorhoud a safe place' as those 'colleagues' like to say it.

I give myself a 90% of being obsessive with my finances. The good part is that I didn't analyzed that exact percentage before.

I have no exact target in mind, but I want to be able to retire, spend reasonably yet comfortably and still see a nice increase (in real terms) in what I can spend each year. Translated: I won't go by the 4% withdrawal rate. 2% at most.

I can imagine that depends on the 'compensation package' :rolleyes:

There is a saying 'a fool and his money will soon part'. I don't know about you, but whenever I let my penis do the thinking, the chance of doing foolish things increases.

You. Have. Taste.

I love how you say 'becoming friends with'. Flirting is often so much better than the actual relationship. (I am not saying a relationship can't be amazing.) My 5 best moments: - Hearing for the first time somebody thinks you are his (at that time girls were the enemy) best friend. ('wow, out...

Sorry CFB, I will also list more than one weakness: Cars. I love roadsters. However, I never owned a car myself and I plan an OPM approach here. (Other people's money.) Suits. Somehow I almost spend 1K (over 5% of my savings) on 5 tailor made suits from a good tailor that flew over from Asia...

I am 21 and also don't (won't) count on SS. That's partly pride, but mostly pessimism.