Savings and index fund investing. I have an automatic bank transfer to my broker account every month and then I'm using Interactive Brokers API in a script that buys global equities index ETF.

Do you always put in market orders?

I can't give just one, but here are a few that had a strong influence on me: "12 Rules for Life" by Jordan Peterson, "Why Switzerland?" Jonathan Steinberg, "Little Book of Common Sense Investing" by John C. Bogle, "A Random Walk Down Wall Street" by Butron Malkiel, "Liberalismus" by Ludwig von Mises, "Meditations" by Marcus Aurelius, "A Treatise of Human Nature" by David Hume, "Thinking, Fast and Slow" by Daniel Kahneman, "The Law" by Frédéric Bastiat, "Autobiography" by Benjamin Franklin, "Common Sense" by Thomas Paine, "Gespräche mit Goethe" by Johann Peter Eckermann, "Walden" by Henry David Thoreau, "The Old Regime and the Revolution" Alexis de Tocqueville, "On Liberty" by John Stuart Mill, "A Treatise on Political Economy" by Jean-Baptiste Say, "The Man Versus the State" by Herbert Spencer, "The Revolt of the Masses" by José Ortega y Gasset, "Capitalism, Socialism and Democracy" by Joseph Alois Schumpeter, "The Logic of Scientific Discovery" by Karl Popper, "The Machinery of Freedom" by David Friedman, "On Power" Bertrand de Jouvenel, "1984" by George Orwell, "The State" by Anthony de Jasay, "Sketched With the Quill" by Andrzej Bobkowski, "My Correct Views on Everything" by Leszek Kolakowski, "The Captive Mind" Czesław Miłosz, "One Day in the Life of Ivan Denisovich" by Aleksandr Solzhenitsyn, "The House of the Dead" by Fyodor Dostoyevsky, "Conversations with an Executioner" by Kazimierz Moczarski, "Diary 1954" by Leopold Tyrmand, "The Master and Margarita" by Mikhail Bulgakov, "A World Apart: A Memoir of the Gulag" by Gustaw Herling-Grudziński

Maybe you can format it to make it more presentable. :)

One of the best blogs on learning and life wisdom.

His newsletter is actually the only newsletter that I get weekly and skim it regularly.

I agree with other commenters that sometimes the material is weak and more like "Do these 5 things that successful people (bankers, investors, entrepreneurs) do and be also succesful" but generally there is quality content on this blog.

Here's a good read on that subject: http://econfaculty.gmu.edu/bcaplan/spain.htm

Open a cheap investment account (e.g. Interactive Brokers) and invest in cheap ETFs (e.g. Vanguard Total World Stock and/or Vanguard Total Bond Market - in proportions 70%/30%) until you have 25*your yearly expenses (that usually means 10-12 years of investing, when you save 50% of your salary). After that point, you're FI, you can withdraw (max) 4% a year and live off from returns from your investments ad infinitum.

I am following a similar strategy, but I am invested in other instruments, too. I have everything from bond ladders to leveraged REITs. I invest 65% of my post-tax income and 100% of post-tax bonuses. I use Schwab, though.

Schwab is now beating Vanguard on fees on their equivalents of Vanguard funds: https://www.schwab.com/public/schwab/nn/m/indexfunds.html?va...

Schwab also just recently lowered its commissions... a lot. Equities trades are now $4.95 flat whether you buy or sell 1 share or 1,000,000 shares. Fidelity also lowered their commissions to match Schwab. Everyone else is still higher, including IB depending on your volume.

(Disclaimer: no relation to Schwab other than that I am an extremely happy customer)

Central banks have similar bug with government money.

You don't have to look further than Canada to know that isn't true. My taxes are not significantly different from yours and I don't have to pay for insanely high medical insurance on top of that. Quality of treatment is fine and wait times aren't significantly different (but vary according to need).

I don't know how anyone can with a straight face argue that the US healthcare system is efficient with regards to money, time, or outcome compared to most single payer systems.

Waiting times are public information in England. You can verify what they are for most things.

Currently wait times are too long. This is because i) Social care has been chronically underfunded for many years ii) The NHS has been chronically underfunded for many years.

Here's the wait times for IAPT (short form talking therapy for mild to moderate mental health problems -- usually CBT).

http://www.content.digital.nhs.uk/catalogue/PUB22842/IAPT-mo...

> 87.8% waited less than 6 weeks and

> 98.3% waited less than 18 weeks to enter treatment

That's too long, and considerable pressure is being put on trusts to reduce those times.

There's a wealth of data just about IAPT here: http://content.digital.nhs.uk/iaptreports

Do you have a source for your claim of "low quality of treatment"?

That doesn't match any of the research I've seen on the subject, and I've looked quite a bit. Granted it's a tricky thing to study.

Do you have any citations from (competent, peer reviewed) journals?

Been to hospitals in France and the Czech republic. They were pretty nice.

But non of them is financed voluntary and non of them was created in voluntary association.

I think any recently formed countries, created by pionners (Israel come to my mind, and kurdistan may be the next) would contradict your claim.

Most Palestinians and anti-government Jews in Israel wouldn't agree. Maybe Kurdistan will be the first country in which political elites (backed by populist voting majority) treat all their citizens as subjects and not as objects to achieve their own objectives. I hope so, I don't know much about Kurdistan.

What's so ironic in that? This was the agenda of the liberals since the Scottish Enlightenment.

The irony is that liberal today means the government takes more money, and gives it to "the people". Which is not remotely classical liberal.

Maybe in your country. In mine liberal still means liberal.

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