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I can't imagine making bread in a bread maker "by sight" unless I were to watch the initial knead so I could add some flour or water to get the consistency right. I've pushed the hydration ratio up to 76.5% (vs 74.5%) which is less than 10g difference in the water amount for 280g of flour, only...

We make a small 1lb loaf. Toast at breakfast for two people over two days plus one lunch it's usually gone. If not, I tell the remaining loaf "CROUTONS FOR YOU BABY" since without preservatives they're reaching the end of goodness after 2 days. Getting the prep down to 3 minutes and timing it...

Thanks everyone. Using ChatGPT and advanced searching in Reddit I discovered that the best solution for a crust that is too hard is to decrease the flour. My recipes were calling for a 65% hydration ratio, I bumped it up to 68%, then 74.5%. I'm going to try 76.5% next! The other ideas to cope...

Does anyone have a breadmaker they like? I had a cheap Hamilton Beach that worked well for several years before committing suicide by jumping off the counter. I bought the new model of the same machine and my crusts are too hard now. I'm experimenting with a higher hydration ratio, maybe it...

I bought a Mustang Mach E at the end of 2023. And put chargers in the garage at home and at the ski cabin. It's been great. I got the GT Performance Edition because — BTD!! It's been good for trips in the mountains, and skiing, with its AWD and Micheline X-Ice tires.

You may be surprised to find that printer technology has improved, if you buy a new one for a coupla hunderd you might be happy with it.

You should definitely check to see if any of the nuts are loose after a day or two. I once drove around with a wobbly loose wheel for *way* longer than I should have. But, you can just use your own muscles and a wrench.

MobiMatter (Hong Kong "3" network) has a European data only eSim US$ 22.99 for 20GB of data valid for 30 days. But, it's data only — no phone number. So, you'd have to use WhatsApp or some soft phone/virtual phone service if you want to phone someone.

I don't know Portugal but $2k/month seems pretty lean. It might be ok for living, but occasionally you have to buy a new phone, computer, bicycle, etc. Could you take some sort of part-time employment, perhaps seasonal? Something that's fun? E.g. could work for 4 months and make $2500/month...

It most likely will work. See this: $600,000, 83% equity (100k bonds), $24k spending per year. Inflation adjusted of course...

Yes, I was asking about for 2 people. Sorry for not clarifying, I should have. In my case, I think I could spend a *lot* less travelling as one person, even on a per-capita basis. I see teenagers with backpacks hanging around train stations or entering hostels and I think "wow, those were the...

In my observations of "old" people, buying iPads has been a great use of their dough. Their phones are too small for serious use if they develop and finger or eyesight trouble, and their computers start collecting dust because old people don't want to wander over to the desk to set their bum...

Do you sleep East-West or North-South? I'm 6'3" so can't sleep East-West in a Promaster.

Thanks! I thought I had seen a thread on it but my search somehow failed me.

Can you share your annual travel budget, and how many trips/nights it covers? We're about to retire and wonder what to budget. Based on past history it looks like CAD$25K/year (18,500 USD) could cover two or three 3-week trips, especially if we use home exchanges to get a free week of...

I use HomeExchange.com and Intervac. We've done 4 home exchanges of one week long in the past year — St. John's Newfoundland, New Orleans LA, London England, and Hamilton Ontario. All have worked out great.

Cleaning out my parents' house I found their old Polaroid camera. We couldn't afford a good one when I was a kid, so it's a cheap one -- fixed focus, plastic lens, separate viewfinder. I spent a coupla hundred getting it cleaned and serviced, and it takes crappy pictures that costs about $3...

I was watching the a JL Collins interview. For those who don't know him, he prefers buying Vanguard low cost income funds as soon as possible and being fully invested. In the "wealth accumulation stage" he doesn't recommend dollar cost averaging, except if it happens to coincide with when...

I'm not expecting it to be "optimum", any more than I expect DCA to be "optimum" for buying. I was looking for a simple no-brainer rule set that just makes sense. This is worth repeating: I used an optimization algorithm to find a simple rule set for one data set, but I'm not expecting it to...

You guys I set the cash portfolio to have a return equal to inflation. Now I see a different story. Fill up your cash bucket to 80% of annual spending. Fill it up again by selling equities when it's empty, or when it's at least 20% empty and growth over the last 276 days is 31% or more.

I did some simulation with the daily TSX quotes from 1979, adjusted for inflation. Scenario was: * Start with 800K investment (1979 dollars) * Spending needs 100K 2022 dollars (26K 1979 dollars) * Cash earns zero interest * No commissions on sales. Also, I didn't find the TSX total return...

Ahh here’s an article https://towardsdatascience.com/statistical-properties-of-stock-prices-15145be752a2 looks complicated maybe I’ll just use historic prices instead, reality us sometimes so much easier to work with than math.

Have you thought about: 1) setting a trigger level for rebalancing, eg 5% off-target is when you sell the part that went high, and/or 2) using something less arbitrary than Dec 31 valuations for your calculation ??

Ha I can tell we are the same in spirit. Thanks. Nice to meet you. If it’s a random process with a slight upward bias, then one should be able to do better than fixed % withdrawal on a schedule just by putting in some limit orders and waiting for things to rise before selling. Maybe I’ll...

Thanks for the thoughts and the link to data. I don’t want to design a fancy algorithm, I wish there was something as brainless as dollar cost averaging is for buying. I just think there must be something simple that’s a little better than selling on December 31st each year. I’ll work on...