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  1. That is an absolutely ridiculous statement.
  2. So like, for example, Netflix... $14.75 a month, $177 a year. At a 3% withdrawal rate, you'd need $5,900 to fund that $177 indefinitely (177 / .03). It's more like $6,950 if you include a 15% tax rate, which is the number I'm using. I think it gives some perspective on what a given expense means in the scheme of things. $7k to pay for Netflix forever? Doesn't seem that bad.
  3. I pretty much just went back to a default, globally diversified ETF model, using a few factor products. I held on to a few individual stocks for fun, but mostly just want to let equities do whatever they’re gonna do. I sort of redid the way I’ve been running my personal finances. I have a non-qualified brokerage account with a checkbook and debit card, so I just pointed all the recurring stuff (Netflix, utilities, insurance premiums, whatever) at it, and am building a portfolio balance in line with a 3% withdrawal rate. So, eventually it’ll be self-funding, but it’s gonna be a while. It’s
  4. I am just glad that no conversation was necessary. She seems like a catch for sure, and having the connection through my former boss is super helpful. But yeah I am quick to weed people out nowadays.
  5. She’s the real deal. We are going to hang out again sometime. I am pretty pumped.
  6. I have fallen off the wagon a little lately, but overall it has served its purpose very effectively. I really like it. My calorie burn has inched up to a place where a 30 minute workout in the mornings is good for the day.
  7. I think her teeth are actually fine. I did a call with her tonight and it appears the lighting in her photos was tricky. We started talking about her neighborhood, the baller one I want to live in, come to find out she lives next door to my former boss. So that’s something.
  8. There is no casual way to go about it. If it bothers you, you have to address it. Dealing with something like that for 40+ years isn’t a thing.
  9. Girl I’m talking to has bad dental hygiene. Incredibly easy fix, but we are early in the process, so I don’t know how to go about it. She’s really into me, so I don’t think she’d break it off if I broach it correctly. I don’t see any way around just being direct. “I’m concerned about your dental health. Is it okay if we talk about this?” She’s super ideal otherwise, but for whatever reason, just does not care about her teeth and probably hasn’t seen a dentist in years. Opinions welcome.
  10. Talking to a new girl, an actuary. Did a video chat with her last night and clicked nicely. Super nice, great communication, but doesn’t want to do dinner due to covid. I figure it’ll be fine once she gets the vaccine, maybe six months or something. The girl at work from a few months ago, she kinda complains to me about dating these days. She has had dinner with a professor guy twice, and he starts pressing to meet up again outside of a dinner setting. She complains to me about it. I’m like, you have said to me that you’re not going to sleep with him, but you keep letting him buy din
  11. The trend is pretty obviously in the direction of finding more cost-effective alternatives, which is great. When they’re here, there’s not going to be much of an argument domestically. India might be willing to make commitments when the time comes. Who knows. China’s invested a bunch in carbon energy infrastructure, which they will not simply shutter upon request. They might enter into a climate accord and do us the kindness of lying about their numbers. Bottom line, China’s doing what the rest of us do, which is exactly whatever suits our perceived interests today. Get the tech
  12. I think the first round of lockdowns were effective for like a month. Since then, fatigue has kind of set in, with progressively more people ignoring guidance. If it truly had the case fatality rate used in the imperial college model, I think lockdowns would have been more effective. I know of one person at work, 40s and extremely unhealthy lifestyle, that has struggled with covid for weeks. I think he’ll be OK. I also know that one of my coworkers’ grandparents, age 80+, died of it. So, at least in my personal observations, of having watched a bunch of people around me getting it ov
  13. Seems good. Just be in shape and you trounce the majority of guys.
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