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Search: Posts Made By: cho oyu
Forum: FIRE and Money 06-02-2021, 07:37 PM
Replies: 41
Views: 4,163
Posted By cho oyu
Thank you ! Apparently my portfolio is too...

Thank you !

Apparently my portfolio is too boring and bland, as there is no reference in the information e-mail on any lending interest. That's a shame, as any additional return within...
Forum: FIRE and Money 06-02-2021, 06:58 PM
Replies: 41
Views: 4,163
Posted By cho oyu
If you recall, or if you don't mind looking,...

If you recall, or if you don't mind looking, which document were the securities of interest noted? I may have missed a section or perhaps don't hold anything that is relevant.



I received 3...
Forum: FIRE and Money 06-02-2021, 06:53 PM
Replies: 41
Views: 4,163
Posted By cho oyu
It does appear that additional tax consequences...

It does appear that additional tax consequences for lending vs receiving direct dividends are being (partially or more than fully, depending on marginal tax bracket) handled by Fidelity. The FAQ for...
Forum: FIRE and Money 04-17-2021, 07:32 AM
Replies: 42
Views: 6,305
Posted By cho oyu
I also just sold a car through Carvana on Friday....

I also just sold a car through Carvana on Friday. They offered close to retail blue book value, 25% higher than CarMax's on-line quote, and about 10% more than I paid for the car new (including a...
Forum: Life after FIRE 09-09-2019, 10:21 AM
Replies: 24
Views: 1,971
Posted By cho oyu
There are quite a few travel insurance plans that...

There are quite a few travel insurance plans that you can purchase, likely less than $100/mo with $50k + in coverage. For longer than tourist stays (or some visa country stays) this may be required...
Forum: Other topics 01-28-2019, 06:04 AM
Replies: 31
Views: 2,012
Posted By cho oyu
I don't think it is ever completely clear how and...

I don't think it is ever completely clear how and when large scale science experiments will pay off. One could question whether money spent on the LHC would have been better spent on some other...
Forum: Travel Information 01-18-2019, 09:52 AM
Replies: 22
Views: 2,018
Posted By cho oyu
Extremely good point - having maximum insurance...

Extremely good point - having maximum insurance history showing no accidents cut insurance rates by 50% for us in France. Fortunately, we didn't have to have the document translated for the insurance...
Forum: Travel Information 01-18-2019, 09:47 AM
Replies: 22
Views: 2,018
Posted By cho oyu
I moved to France with my wife somewhat recently,...

I moved to France with my wife somewhat recently, and although I am not confident in direct applicability of my situation to yours, EU regulations may make some areas similar. Note that I am a US...
Forum: FIRE and Money 02-27-2016, 11:58 AM
Replies: 2,502
Views: 958,673
Posted By cho oyu
And now, almost a year after the first time...

And now, almost a year after the first time around, I've managed to top the two comma mark again.

It's disconcerting to continuously invest new money and have my account balances stay reasonably...
Forum: Other topics 10-25-2015, 12:30 PM
Replies: 29
Views: 2,248
Posted By cho oyu
Almost any chemical reaction will start slowly,...

Almost any chemical reaction will start slowly, be it acid or oxidizer. Surface areas are low, there are a lot of inert materials, most electrical components have cases, and many boards and...
Forum: FIRE and Money 04-11-2015, 01:37 PM
Replies: 2,502
Views: 958,673
Posted By cho oyu
If I had come up a few dollars short, I'm pretty...

If I had come up a few dollars short, I'm pretty sure I would have been counting up the coins in the change jar and looking up exchange rates on all the small bills in various foreign currencies (the...
Forum: FIRE and Money 04-10-2015, 07:40 PM
Replies: 2,502
Views: 958,673
Posted By cho oyu
As of market close today, I have breached the two...

As of market close today, I have breached the two comma club by all of $117.

The first, I'm sure, of many a trip back and forth across that boundary as bills get paid and the market fluctuates,...
Forum: FIRE and Money 09-26-2013, 09:51 PM
Replies: 5
Views: 2,186
Posted By cho oyu
Thanks for the links - after reading a bit more...

Thanks for the links - after reading a bit more and thinking a bit, it really comes down to the following:
1) are in service distributions available
2) is money needed within the 5 year...
Forum: FIRE and Money 09-25-2013, 08:46 PM
Replies: 5
Views: 2,186
Posted By cho oyu
After-tax 401k? How to evaluate usefulness?

My almost-megacorp has recently added the capability to add funds to an non-ROTH after-tax 401k (>20k in addition to the 17.5k present limit on the tax-deductible portion). I have not yet ascertained...
Forum: FIRE and Money 02-04-2013, 11:31 PM
Replies: 42
Views: 6,788
Posted By cho oyu
Dealing with some similar thought processes but...

Dealing with some similar thought processes but in a different region of the country, I would toss out the following suggestion: run a couple of scenario calculations and see if they are manageable...
Forum: Young Dreamers 06-21-2011, 12:49 AM
Replies: 12
Views: 2,757
Posted By cho oyu
The primary reason that you won't see many...

The primary reason that you won't see many age-related dollar-amount savings goals is because it really isn't relevant without additional information.

The primary numbers that dictate savings are...
Forum: FIRE and Money 04-18-2011, 10:18 PM
Replies: 247
Views: 20,865
Posted By cho oyu
Assuming the static coefficient of friction is...

Assuming the static coefficient of friction is equal for all vehicles isn't bad for a first order approximation. On the other hand, it's simply not correct.

Although I don't have any sources on...
Forum: FIRE and Money 04-13-2011, 08:46 PM
Replies: 247
Views: 20,865
Posted By cho oyu
Independent of vehicle mass, yes, but there is a...

Independent of vehicle mass, yes, but there is a potentially poor assumption that the coefficient of static friction (or traction) is the same between light and heavy mass vehicles. (We'll also make...
Forum: FIRE and Money 01-28-2011, 01:37 AM
Replies: 226
Views: 42,629
Posted By cho oyu
It's a matter of perspective on what travel...

It's a matter of perspective on what travel means.

One of the benefits of retirement is having more time that can be fully allocated to one's desired pursuits. Being a salary-man may mean holidays...
Forum: FIRE and Money 01-04-2011, 10:34 AM
Replies: 250
Views: 32,421
Posted By cho oyu
I think this thread is an excellent eye-opener...

I think this thread is an excellent eye-opener into how people's lifestyles and situations vary. I don't see that any of the numbers are unreasonable on either the low or high end as long as they are...
Forum: FIRE and Money 12-27-2010, 01:28 PM
Replies: 10
Views: 2,539
Posted By cho oyu
I'm not sure how well Otar or the first link...

I'm not sure how well Otar or the first link cover terminology, but it sounds like they might be mixing things up?

A gaussian distribution looks somewhat like a hill - the center of the...
Forum: FIRE and Money 12-11-2010, 07:01 PM
Replies: 151
Views: 15,855
Posted By cho oyu
There's a difference in assumptions in the two...

There's a difference in assumptions in the two scenarios:

Scenario 1: planning for retirement only looking with a forward model(i.e. your person B)

Scenario 2: planning for retirement by...
Forum: FIRE and Money 10-20-2010, 12:53 AM
Replies: 172
Views: 25,462
Posted By cho oyu
I'd certainly agree with that last statement....

I'd certainly agree with that last statement. Money is available if people are willing to work hard enough.

For quite a few years, even within strong engineering universities, it has been...
Forum: FIRE and Money 10-20-2010, 12:50 AM
Replies: 172
Views: 25,462
Posted By cho oyu
I think this is more true when discussing a...

I think this is more true when discussing a purely academic career path.

From the perspective of industry and industrial research, pure chemists, biologists, and physicists can still be in strong...
Forum: FIRE and Money 10-19-2010, 11:23 PM
Replies: 172
Views: 25,462
Posted By cho oyu
At top tier schools, many of the graduate...

At top tier schools, many of the graduate students will also have been recipients of NSF, DOD, NIH, or other government fellowships.

For those who are supported directly by their PI's grants on a...
Showing results 1 to 25 of 116

 
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