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Re: Neighbor's Fireworks

livesoft wrote:Actually, you want his kids on your lawn cleaning up the fireworks debris.

Nice, I missed that. "Clean up your dad's trash -- then get off my lawn!"
by Harold
Sat Jul 05, 2014 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4451

Re: Neighbor's Fireworks

XtremeSki2001 wrote:Our roof was replaced on July 3rd

Maybe replace it on July 5th next time :wink:

In the meantime, you could get back at him by sitting on your porch and yelling at his kids to get off your lawn.
by Harold
Sat Jul 05, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4451

Re: Urban garden bed--ideas to deter dog owners

livesoft wrote:^But pooping in the gutter should not preclude a dog owner from scooping it up and disposing of it properly. I suspect though that many owners would think that having it in the gutter is sufficient

Yes of course they should still pick it up, I didn't mean to imply otherwise.
by Harold
Fri Jul 04, 2014 11:59 pm
 
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 3952

Re: Is deferring 75% of your paycheck Roth 401(k) even doabl

I've encountered this while frontloading contributions/stock purchase/etc. at the beginning of the year.

Although I tried to get it exact, I was a little off and my employer simply reduced the contribution to the extent needed to ensure enough was available for the required payroll deductions.
by Harold
Fri Jul 04, 2014 11:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is deferring 75% of your paycheck Roth 401(k) even doable?
Replies: 14
Views: 1971

Re: Urban garden bed--ideas to deter dog owners

I am not a city person and never understood what "curb" meant I am a city person and can speak to this. In its purest sense, it means that dog owners should train their dogs to use the curb (or gutter), which is the part of our shared space that has the least impact on everyone else (and ...
by Harold
Fri Jul 04, 2014 11:33 pm
 
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 3952

Re: POLL: Mortgage as a negative bond

Oh, there are certainly risks involved with homeownership. My point was that mixing all this stuff into a single number is meaningless. I analyze my situation in a complete way. Knowing I'm 175% stocks vs 143% - that number - just doesn't have meaning. You may just be more sophisticated than the ty...
by Harold
Wed Jul 02, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2926

Re: POLL: Mortgage as a negative bond

Not my reality. Say I have $100K in stocks. I buy a $300K house with a $200K mortgage. I pay the mortgage off, just like making rent payments, over 30 years. Where was the "massive risk shift"? ... When stocks crashed in 2009, my "one number" went from 125% stocks to 175% stocks...
by Harold
Wed Jul 02, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2926

Re: POLL: Mortgage as a negative bond

There are two clear advantages to the negative bond concept: 1) It helps people have a better understanding of their actual risk. - People are indignantly resistant to the notion of their asset allocation being 120/-20 or whatever. But that's an accurate reflection of the massive risk shift that occ...
by Harold
Wed Jul 02, 2014 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2926

Re: Interesting artcle on inflation and mortgages

The price for every set of cash flows already includes an inflation assumption. That's true for stocks, bonds, real estate -- and for mortgages. With any of those, the current rate "locks in" assumed inflation (which is a market consensus). Actual inflation will certainly differ, but you'r...
by Harold
Sat May 31, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting artcle on inflation and mortgages
Replies: 14
Views: 1245

Re: Rent vs Buy Calculator NY Times

It always bothers me that there is no value assigned to liquidity for renters. The value of being able to move to a great job, with little friction, is not 0. Another intangible has occurred to me during the recent runup in San Francisco rents/prices. Renters under rent control gain "equity&qu...
by Harold
Sat May 24, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Rent vs Buy Calculator NY Times
Replies: 7
Views: 679

Re: Hotels and parking in NYC

Under $200 for a Manhattan Hotel room? Do you know where they are located? Such a cheap rate sounds like it would have a catch, especially during the height of tourist season in NYC. My brother stayed in a modest hotel on West 35th St. near Macys and it still cost him over $350 a night as I recall....
by Harold
Fri May 23, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Hotels and parking in NYC
Replies: 19
Views: 1105

Re: Question for renters that are happily renting..

Sure, in the long run it might be better financially to own The cult of homeownership has made it pretty much impossible for most Americans to accurately view housing costs in the context of their personal finances. Somehow they view it as magical wealth creation -- when in reality it's not an econ...
by Harold
Sun May 18, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 6726

Re: How to have a life if you can't save 6months expenses?

Whatever your salary is, someone is living on 20% less. If you think saving is important, you'll live like that person. If you don't think saving is important, you won't. (Can replace 20% with whatever the desired savings goal is.) This equation of course changes if you're at/near the poverty line. ...
by Harold
Sun May 18, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: How to have a life if you can't save 6months expenses?
Replies: 20
Views: 2216

Re: More evidence of the predicted bond apocolypse

Put another way, this only makes the apocalypse even more nigh. :wink:
by Harold
Fri May 16, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: More evidence of the predicted bond apocalypse
Replies: 38
Views: 4024

Re: Timing Belt Change - Months or Miles if car is old?

I find it mildly amusing that folks who would seem to normally not trust anything a mechanic or financial advisor told them, seem to put lots more faith in timing suggestions for timing belt replacement without any concrete real evidence for such a suggestion. In my case, it's because the consequen...
by Harold
Fri May 16, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 79
Views: 6477

Re: Timing Belt Change - Months or Miles if car is old?

I faced the same decision about a year ago on my 2002 Honda Civic. Only had about 50,000 or so miles but was at that time 10 years old. I went ahead and replaced the timing belt, water pump, etc. Every since then it has made a noise which I can hear at low speed or at idle when the motor is turning...
by Harold
Fri May 16, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 79
Views: 6477

Re: Poll test

Why in the world did you not pick Tomato/Tomahto for your test poll?
by Harold
Fri May 16, 2014 11:11 am
 
Forum: Forum Issues and Administration
Topic: Poll test
Replies: 16
Views: 623

Re: Is 6 months of savings needed?

For example, I'm 28 and have little money yet I keep $3,000 in my EF. I assume some folks would be screaming about how that should be invested in equities and I could be getting an average of 7%/year! Well, 7% of $3,000 is $210. So, in effect, I'm paying $210/year for the comfort of knowing that I ...
by Harold
Sat May 10, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is 6 months of savings needed?
Replies: 33
Views: 3686

Re: Article on Pricey Wedding Attendance

I've learned that when people want to do something fun, they generally figure out a way to come up with the money. About weddings in particular, I realized that when a grieving family couldn't afford the headstone for their deceased husband/father and I was asked to buy it. Since it seemed a shame f...
by Harold
Fri May 09, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Article on Pricey Wedding Attendance
Replies: 15
Views: 2180

Re: Philly/Boston in May: Recommendations Please

denovo wrote:I was looking for hotel reccomendations for Philly.

I almost always use Priceline for personal travel to big cities. Center City is currently showing winning bids in the $80-90 range for 4-star hotels.
by Harold
Wed May 07, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Philly/Boston in May: Recommendations Please
Replies: 26
Views: 1575

Re: Invest to pay off the mortgage?

Any good calculators to run the scenarios for the likelihood of Option 2 beating Option 1, and by how much? One of the things that doesn't get enough discussion is that risk not only means a chance of underperformance or loss... an important aspect of financial risk is that you don't actually even ...
by Harold
Tue May 06, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Invest to pay off the mortgage?
Replies: 10
Views: 1334

Re: Retirement Savings - Gross vs. Net Savings

What you're really saying is that the recommended savings percentage should be less than 15%. To me, "take home pay" is an oddly artificial concept-- which I suspect comes from those who live roughly paycheck to paycheck. Taxes are an expense, and it's kind of arbitrary to have metric wher...
by Harold
Mon May 05, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: Retirement Savings - Gross vs. Net Savings
Replies: 14
Views: 1653

Re: Rent vs buy again ... but with a twist

We shouldn't underestimate transactions costs in this. I believe the usual US agent fee is 5%? That plus all the other closing costs is a significant chunk of change and regardless of who 'pays' it in cash terms, it comes out of the purchase price (in the end, on average)-- the seller gets less and...
by Harold
Mon May 05, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Rent vs buy again ... but with a twist
Replies: 10
Views: 1523

Re: Philly/Boston in May: Recommendations Please

Both Philadelphia and Boston have easy train connections from the airport to the center city We must have different definitions for Boston ... A bus from the terminal (spinning past a couple of terminals) to the "airport" subway station to a change in the city to a different line dragging...
by Harold
Sun May 04, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Philly/Boston in May: Recommendations Please
Replies: 26
Views: 1575

Re: Philly/Boston in May: Recommendations Please

As a big city dweller, let me just say -- for god's sake, please don't rent a car. (The more drivers there are, the more unhealthy/dangerous it is to city residents-- and you'd probably just be annoyed by the traffic/parking situation.) Both Philadelphia and Boston have easy train connections from t...
by Harold
Sun May 04, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Philly/Boston in May: Recommendations Please
Replies: 26
Views: 1575

Re: Rent vs buy again ... but with a twist

There's a structured financial approach to organizing your thoughts that will help you answer your question. The current value of any investment can be seen as the estimated present value of the future income it provides. For stocks/bonds that income is earnings/dividends -- and for real estate that...
by Harold
Sun May 04, 2014 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent vs buy again ... but with a twist
Replies: 10
Views: 1523

Re: True cost of owning a house

What alternative words should I have used? It's the tone. A well-meaning poster made a good faith effort to outline the costs of owning a home and comparing to where he would have ended up if he rented. A number of well-meaning respondents then tried to parse his information and give him a useful r...
by Harold
Thu May 01, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: True cost of owning a house
Replies: 47
Views: 3513

Re: True cost of owning a house

Please continue and complete the analysis. In other words, what figure would/should OP have come up with for the hypothetical renting scenario that would be comparable to the 36.8% you derived above? You should reread my original post. There is no comparable rent analysis. The relevant comparison i...
by Harold
Wed Apr 30, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: True cost of owning a house
Replies: 47
Views: 3513

Re: San Francisco Restaurant Recommendations

I've learned when I go to Yelp to immediately discount any highly rated restaurants where the highly rating reviewers are all from out of town. This thread is making me think of that. Not to be arrogant or anything, but there's something about being in a tourist state of mind where you go to popular...
by Harold
Wed Apr 30, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: San Francisco Restaurant Recommendations
Replies: 44
Views: 2715

Re: Health of Defined Benefit Pension Plan

Is the Funding Target Attainment Percentage the most relevant piece of information? Quite honestly, the fact that your benefit is insured by the PBGC is the most relevant piece of information. Your plan sponsor is holding the risk of providing your benefit, and the PBGC is insuring that risk. To so...
by Harold
Wed Apr 30, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Health of Defined Benefit Pension Plan
Replies: 11
Views: 1027

Re: True cost of owning a house

Given the numbers presented, I see $167,456 in outlay for the house and $178,600 returned when it was sold. The actual return would depend on the timing of the costs. Again given the numbers presented, I see $79,582 in outlay for the renter plus $87,874 invested, which gives $142,971 at the end. So ...
by Harold
Tue Apr 29, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: True cost of owning a house
Replies: 47
Views: 3513

Re: POLL: the WORST financial advice you've given/received?

People are mentioning the obviously horrendous financial advice, and the poll results reflect that. They aren't mentioning the mainstream don't through away your money on rent kind of bad (or at least incomplete, inaccurately stated, and potentially destructively acted upon) financial advice that we...
by Harold
Sun Apr 27, 2014 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: the WORST financial advice you've given/received?
Replies: 61
Views: 15082

Re: Poll: Would you EVER recommend 100% equity?

I voted no. I've never come across a 100% equity investor who fully understands the risks. It's not as if they're at peace with a 60% loss (say) over their investing horizon -- it's that they think such a scenario is beyond the realm of reasonable possibility. Risky investing is easy if there's ulti...
by Harold
Sat Apr 26, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Would you EVER recommend 100% equity?
Replies: 136
Views: 26851

Re: Shuttle from Tampa airport to St Pete Beach?

Too late for this trip I'm sure. But I figured every savvy traveler knew that you always use a discount code for Supershuttle. Step 1 is to google for a discount code. Step 2 is to make your reservation on the Supershuttle site and enter the discount code in the appropriate spot. (I recognize this i...
by Harold
Sat Apr 19, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Shuttle from Tampa airport to St Pete Beach?
Replies: 18
Views: 1216

Re: POLL: why carry cash?

Several distinct reasons come to mind: 1) Credit cards aren't accepted everywhere (e.g. I often end up in SF's Chinatown where cash predominates) 2) Cash is easier for informal transactions (e.g Craigslist) and pooling of bills at restaurants. 3) Seems obvious to me that people overspend when using ...
by Harold
Sat Apr 19, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13417

Re: time off for interview

Seems to me that it leaves a good impression on your future employer if you treat your current employer with respect. By that I mean, a decent future employer will understand and think favorably if you point out that you need to schedule your interview at a time that won't conflict with your current...
by Harold
Fri Apr 18, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: time off for interview
Replies: 11
Views: 1392

Re: *poor* Bogleheads

My sense is that self-selection and the natural tendency of people to brag/exaggerate is coming into play to form your perception. I don't need to look much beyond the sheer volume of "managing debt" posts to realize that people aren't wallowing in wealth (or at least aren't as financially...
by Harold
Fri Apr 18, 2014 9:34 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 12943

Re: What % of stock market "drive" is gambling?

The most gambling/speculation occurs in assets with no or negative intrinsic/expected value (casino gambling) This is an interesting quote for two reasons. First, because it's the way most people would see it. Second, because it prompts a thoughtful person to explore a couple of expected value conc...
by Harold
Sun Apr 13, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 44
Views: 5074

Re: If Social Security wasn't mandatory, would you contribut

If Social Security was optional, disregarding the impact that would have on it working, would you contribute the 6.2% (up to annual maximum) of your salary? In other words, given what you annually contribute, the length of time you pay into it, your benefit at age 62-70, and the $ amount of your be...
by Harold
Sun Apr 13, 2014 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: If Social Security wasn't mandatory, would you contribute?
Replies: 9
Views: 806

Re: Bond Allocation with 6.8% Student Loans

DaneSF wrote:Do people on here agree with this?

Yes, absolutely.
by Harold
Wed Apr 09, 2014 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation with 6.8% Student Loans
Replies: 12
Views: 1864

Re: Why pay off your house?

For a decision involving such a significant portion of most individual's assets, it's quite remarkable how scattershot and undisciplined people are when deliberating over their mortgages. Each one of these threads makes it seem like an extraordinarily complex decision involving making assumptions ab...
by Harold
Sun Apr 06, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 9020

Re: Replacement for Windows XP Computer

I'm sure it's going to take me a while to discover everything new that's out there Peter, but as I do I'll certainly try it (and freely abandon my old way if needed). About tj's Office question, I'm sure there's someone far more knowledgeable than me to help. I suspect I'm going to be doing a lot mo...
by Harold
Sun Apr 06, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 5051

Re: How to account for an annuity ?

We just bought an annuity for $300,000.00 and in my software, my net worth went down by that amount. Hmmm, says I, that's not right so let's fix it. I know what I did to account for it and I would like to see what others are doing if anything. I have the $300,000.00 in a separate account and I redu...
by Harold
Sat Apr 05, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 2634

Re: Replacement for Windows XP Computer

Have had the new computer for several days now. It's certainly much snappier and more responsive. A really good choice, and it starts up in 15 seconds -- which is faster than I think I've ever seen. But what really prompted me to post though is that Windows 8.1 is fantastic. It's like having a whole...
by Harold
Sat Apr 05, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 5051

Re: Urge to buy a house every rent increase

Here’s a mode of thinking to get yourself in a calmer more Zen frame of mind. Everyone purchasing housing (whether renting or buying) pays rent, and everyone is subject to inflation. The renter sees the inflation in his rent increases (except those under rent control) and a future rent increase assu...
by Harold
Thu Apr 03, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1698

Re: Pay Off Mortgage

I don't get it. Home equity is pretty much a misnomer. He owns a home, he has a mortgage, and he has cash that could pay the mortgage. The home asset is what it is; he owns the whole thing whether he's got the mortgage or not. His choice is whether to keep making payments on a mortgage (with the in...
by Harold
Wed Apr 02, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4038

Re: Pay Off Mortgage

When I take money out of my left pocket and put it in my right pocket, I don't feel richer. If my left pocket has a hole in it, so my money's continuously draining out, and if I've got my right pocket open with people willing to drop money into it (unfortunately at less of a rate than the money's d...
by Harold
Wed Apr 02, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4038

Re: Deleted Thread?

Could be that they got a complaint and set it aside for moderator review.

Either that or LadyGeek’s a full-time college student doing her best to balance studying and moderating a financial forum – and got fed up with her dad complaining about her.
by Harold
Mon Mar 31, 2014 6:01 pm
 
Forum: Forum Issues and Administration
Topic: Deleted Thread?
Replies: 17
Views: 2378

Re: Replacement for Windows XP Computer

Right, I was even thinking as I typed that it was like someone in Minnesota who needed to replace a furnace in the middle of the winter. Probably had no interest in doing it, but had to nevertheless. (And the microwave was similar.) I briefly considered the Linux route, but as I was looking into wha...
by Harold
Sat Mar 29, 2014 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 5051

Re: Replacement for Windows XP Computer

paradox of choice This was a bit different than most choices though. I had no real interest in getting a new machine (and have even less of an interest in shopping in general). But the Microsoft expiration date forced me to evaluate options and make a choice (and it pretty much had to be right arou...
by Harold
Sat Mar 29, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 5051
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