Thinking to use HRV (heart rate variability) to detect windows of tolerance. That means wearing it almost 24/7 and hoping that the app can show whenever the body is stressed (anxious) - like an alert.
Is there any gadget that you have tried and has worked well?
Do you compare your stock portfolio with S&p or other indexes over the years .
I realized that most portfolios performed poorly because the s&p is going 14% annually now. Asking because - the capital gains tax and state income tax have hindered me to sell / balanced portfolios with stocks. And most of the stocks stopped growing after a few years.
I don't have a good way to estimate if I sell and pay tax (30% tax drag) , vs. keeping them .. how much growth potential I lost. I just know that at some point (not sure how to *calculate* this), the growth of just investing in S&P will be much higher - even after we pay the 30% tax
Are there good tips, easy way to estimate the difference? I might also confuse myself --there might be a simpler way to think through this?
Thanks.
wonder if you would take a look at see any numbers here are outliers ? I am trying to see how different my own budget estimates from the aggregate / actual budgets
| Budget Category | Lean FIRE (Frugal/Rent Control) | Chubby FIRE (Comfortable/Independent) | Fat FIRE (High-End/Luxury) |
|---|---|---|---|
| Housing & Utilities | $18,000 / yr ($1.5k/mo room/studio) | $36,000 / yr ($3k/mo 1BR or Condo HOA) | $60,000+ / yr ($5k/mo luxury/mortgage) |
| Healthcare (Pre-65) | $2,400 / yr (Subsidized ACA Bronze) | $12,000 / yr (Unsubsidized Silver/Gold) | $20,000+ / yr (Platinum PPO / Concierge) |
| Food & Dining | $6,000 / yr (Mostly home cooking) | $12,000 / yr (Regular dining out/bars) | $24,000 / yr (Fine dining & events) |
| Flexible / Discretionary | $6,000 / yr (Local travel/cheap hobbies) | $20,000 / yr (Frequent travel, fitness, gifts) | $50,000+ / yr (International luxury travel) |
| Taxes & Misc | $3,600 / yr | $10,000 / yr | $30,000 / yr |
| Total Annual Spend | ~$36,000 - $40,000 | ~$90,000 - $110,000 | $184,000+ |
| Target Net Worth Required | $1.2M - $1.5M | $2.8M - $3.5M | $5.5M+ |
Do you think the GOOG will perform better than VOO for the next 5 or 10 years.
Why and why not? What's your reason for the analysis.
Had 4 tire flats in 2 years. Nails, staples, screws. Is it just pure bad luck or are these low profile tires just easier to get nails??
Options I can think of :
Buy tire road hazard warranty. About $170 for 4 tires.
Replace all wheels and tires to 16 or 17" . Coat $1800.
Any other better options - cheaper and less hassle to deal with, when a tire flat happens?