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Re: Elio Car

[The Elio looks like uncannily like a modernized and streamlined version of the Messerschmidt Kabininroller . jimb I would love to have one of those, its so future looking! Could you the looks you would get with one of those! Edit: Had to look more into this car, http://en.wikipedia.org/wiki/Messer...
by Jay69
Tue Apr 15, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 26
Views: 1491

Re: Elio Car

You all are right this is not a first, I recall this one from when I was a kid. http://en.wikipedia.org/wiki/HM_Vehicles_Free-way http://i59.tinypic.com/2n8rn6x.jpg http://i58.tinypic.com/6yfl94.jpg They used to have one in Minnesota History Center, not sure if they still have it or not.
by Jay69
Tue Apr 15, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 26
Views: 1491

Re: Whats with the internet cap-100GB/ month?

I have be waiting for this to hit at some point. I'm sure the cable companies want to sell their content rather then let Netflix and other streaming services run down the pipe. Sure you can turn down the Netflix steam to save but the picture is not greatest the way it stands at the highest setting, ...
by Jay69
Mon Apr 14, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Whats with the internet cap-100GB/ month?
Replies: 11
Views: 1184

Re: Elio Car

From my understanding they will hit the market in 2015, time will tell.
by Jay69
Mon Apr 14, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 26
Views: 1491

Elio Car

I know how Bogleheads enjoy cars, anybody looking at one of these?

http://www.eliomotors.com/

Made in America
84mpg
$6,800

I will admit it does look interesting, Spam in a can?

A neat video http://www.youtube.com/watch?v=2Ge1ZGi1bTQ
by Jay69
Mon Apr 14, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 26
Views: 1491

Re: Need advice on Roof damage and Homeowners Insurance

I'm an adjuster for a specialty carrier. I'll generally match for line of sight/sight lines if I cannot justify replacing a full slope. Matching statutes are state by state specific. Thanks jbmitt ... what does that mean ? sight/sight lines ? I'm not jbmitt but generally as an example if you are st...
by Jay69
Mon Apr 14, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on Roof damage and Homeowners Insurance
Replies: 6
Views: 394

Re: Getting over huge mistakes

I think you can still enjoy a good craft beer and a tin of worms for fishing, you are good to go.
by Jay69
Thu Apr 10, 2014 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting over huge mistakes
Replies: 30
Views: 3293

Re: Unsubsidized Fixed Rate Stafford Loans - a good deal?

I just received the financial aid package for my son who is starting this fall. Besides his merit scholarship, he is offered a Stafford for $2750 per semester. I could pay full boat and have saved to do so, but my son will be taking the full amount in Staffords. I'm actually quite happy to see the ...
by Jay69
Wed Apr 09, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unsubsidized Fixed Rate Stafford Loans - a good deal?
Replies: 22
Views: 845

Re: Brown bagging in a more formal office

I use one of those soft sided thermal lunch bag/box looking things, not sure exactly what you would call it. Been using it for about 10 years now and its starting to show its age. Was at a seminar a year or two ago and they were giving away thermal lunch bag/box looking things so now I have a replac...
by Jay69
Wed Apr 09, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 3006

Re: Netflix & Red Box

We enjoyed the following on Netflix last year, more science fiction. Eureka http://www.imdb.com/title/tt0796264/ (2006-2012) Warehouse 13 http://www.imdb.com/title/tt1132290/ the show is still in production, waiting for Netflix to add the latest shows. Hard to go wrong with current Dr. Who. I see Ne...
by Jay69
Wed Apr 09, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Netflix & Red Box
Replies: 26
Views: 1476

Re: My debt fear/aversion and my epiphany

You do bring up a good point about learning what or what not to do from our parents. Both of my parents grew up thru the Great Depression, two things stuck with me. 1) You don't have the cash you don't buy it, they had one Mortgage, only loan they ever had. 2) I always think about what mom said when...
by Jay69
Tue Apr 08, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: My debt fear/aversion and my epiphany
Replies: 4
Views: 623

Re: Being a trustee for a friend's estate

If you friend is asking to be a Trustee while his kids are young for the next 20 years or so I would help them out. If it was some kind of family HEMS trust that goes on forever I'm not so sure I would want to be part of it unless it had some verbiage that it goes to a Cooperate Trustee after X year...
by Jay69
Tue Apr 08, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being a trustee for a friend's estate
Replies: 14
Views: 1141

Re: My Vanguard Financial Plan...additional bond funds

Thanks jnet,

I will be keeping an eye on this topic. Larry makes a good case to be 100% Corporates, lots of people on both sides of the fence on this topic.

Did they give a reason for the shot of short term?
by Jay69
Tue Apr 08, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Vanguard Financial Plan...additional bond funds
Replies: 19
Views: 1918

Re: My Vanguard Financial Plan...additional bond funds

jnet2000 May I ask about what age you are and what % of bonds you hold? I wonder if the Short Term Investment Grade is more of age related deal and or interest rate play? I half been thinking myself of splitting TBM with Intermediate Corporates 50:50. On the face of it having the 3 funds in the tax ...
by Jay69
Tue Apr 08, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Vanguard Financial Plan...additional bond funds
Replies: 19
Views: 1918

Tax Freedom Day later this year

Just a fun fact for your Tuesday AM Tax Freedom Day is three days later than last year due mainly to the country’s continued slow economic recovery, which is expected to boost tax revenue especially from the corporate, payroll, and individual income tax. http://taxfoundation.org/article/tax-freedom-...
by Jay69
Tue Apr 08, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: Tax Freedom Day later this year
Replies: 5
Views: 591

Re: Australian regulators again considering 500 ms pauses

I have no idea but at what amount of hold time would it start to create other problems? If the SEC wanted to be Rebels and impose a 10 minute hold period who could it hurt? Those HFT trading companies have spent some good dollars investing in the fastest connections, would not hurt my feelings if th...
by Jay69
Mon Apr 07, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Australian regulators again considering 500 ms pauses
Replies: 3
Views: 563

Re: HFT solution? - Time Stamps?

I would guess you would have the same issue?

How would you get the exact time stamps across the board without being off fractions of a second between trades.

Edit: After thinking about this would not having a minimum hold per trade of period of say 10 minutes stop the HFT issue?
by Jay69
Mon Apr 07, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: HFT solution? - Time Stamps?
Replies: 7
Views: 455

Re: U.S. stocks in freefall

Coming back from lunch today they were creating some news about the biggest drop since 2011. I should go a look that up but will admit that I'm to lazy. I'm juts happy I learned how to post an image!
by Jay69
Mon Apr 07, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 122277

Re: U.S. stocks in freefall

I have not seen this thread in some time, plus I wanted to learn how to post a chart/picture. Its a one month chart, the last few days I see a drop!

Image
by Jay69
Mon Apr 07, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 122277

Re: Home improvement plans not filed with town?

This happens around here all the time, home Owner buys a new house with an unfinished basement with plumbing and electrical roughed-in then the home Owner finishes off the space at some point, generally after the assessor has made a visit. Then they hope the assessor does not come around and or forg...
by Jay69
Mon Apr 07, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Home improvement plans not filed with town?
Replies: 21
Views: 945

Re: How to account for an annuity ?

sscritic wrote:P.S. I just set a new goal for myself. I want my estate to owe estate tax. My kids will be thrilled!


Can always move to one of the top 10 worst states to die in, you know one of those states they like to talk about in Forbes. That may help in your quest thrill your kids :wink:
by Jay69
Mon Apr 07, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1875

Re: Best ways to show daily news to 9 year old

I DVR the news and we watch it as a family, my kids are older however. I don't remember the age when we started it but it was a school project for a semester. It does make for some good conversation with my teenagers. As for the bad content and adds for a 9 year old, I'm sure they hear worse on the ...
by Jay69
Mon Apr 07, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 1910

Re: Healthy Eating/Lifestyle Forum(s)

Lots of good information to take in, thanks everyone. I'm not in bad shape, a tad over weight by a few pounds but nothing out of control and do exercise a good hour a day. The writing is on the wall I think with all these manufactured foods, chemicals and crap in the stores that moving to more of a ...
by Jay69
Fri Apr 04, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: Healthy Eating/Lifestyle Forum(s)
Replies: 16
Views: 1871

Re: Bogle: Tilt To Corporates For More Yield

Rick, what is your take on the subject?
by Jay69
Thu Apr 03, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 60
Views: 5655

Re: Retired: When to move?

Peter Foley wrote: Friends and family are close to us here and we are able to take longer winter vacations if we wish to avoid the worst of Minnesota's weather.


With any luck the snow will be gone by July! Another foot on the way for Friday!
by Jay69
Wed Apr 02, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Retired: When to move?
Replies: 43
Views: 3980

Re: Healthy Eating/Lifestyle Forum(s)

Thanks all,
by Jay69
Wed Apr 02, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: Healthy Eating/Lifestyle Forum(s)
Replies: 16
Views: 1871

Healthy Eating/Lifestyle Forum(s)

Can someone recommend a Healthy Eating/Lifestyle Forum that is of the same caliber of Bogleheads? I enjoy Bogleheads and the caliber of people here, this in turn keeps us on track in our financial journey. I would hope such a healthy lifestyle forum would do the same. Not looking for the latest diet...
by Jay69
Tue Apr 01, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Healthy Eating/Lifestyle Forum(s)
Replies: 16
Views: 1871

Re: Paying student loans vs Losing compounding interest

I think a general rule is to take the free money (401k/403b matches, etc.) then pay down debt.

I'm a big fan in those years to build up your emergency fund in a Roth, if you don't have an emergency you save some space.
by Jay69
Tue Apr 01, 2014 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying student loans vs Losing compounding interest
Replies: 41
Views: 2596

Re: Lending money to family

When you say we I assume you and your spouse? If I recall the annual gift exclusion is $14,000 for 2014 to anybody you would like. In a nut shell you and your spouse can gift $28,000 to any one person.

It's family so look at it as a gift, don't plan on being gifted back!
by Jay69
Tue Apr 01, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Lending money to family
Replies: 25
Views: 1908

Re: Being my own contractor for a bathroom remodel?

Most of the time you can pull a permit and do the work for all trades on your own home. If they did not so this they would have many non inspected renovations. In reality with today's materials most of the trade work is not to bad. I can say one thing, I'm in commercial buildings doing inspections a...
by Jay69
Sat Mar 29, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Being my own contractor for a bathroom remodel?
Replies: 19
Views: 1449

Re: IRS letter claiming return is late - anyone experience t

[It has never happened to me, but one bit of advice. I don't use certified mail, but I go the the post office, buy the right postage, and get a receipt (it's automatic, you don't have to ask). The receipt shows the amount, the date, and the destination zip. e.g., I think I learn here more by accide...
by Jay69
Thu Mar 27, 2014 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS letter claiming return is late - anyone experience this?
Replies: 34
Views: 3432

Re: Gift Tax and the 529b

vas

Thanks for coming back with an update, it nice when its gets updated.

Good Luck
by Jay69
Thu Mar 27, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gift Tax and the 529b
Replies: 16
Views: 841

Re: Treasury Direct - Acct Access Issues

I think it was treasury direct I tried to use two years in a row to buy EE Savings bonds for 5 younguns in my family, a tradition we do each year instead of cheap plastic crap at Xmas. After many hours and failed purchases I stopped giving bonds and instead give cash. I expect that the bonds had a ...
by Jay69
Thu Mar 27, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Treasury Direct - Acct Access Issues
Replies: 12
Views: 615

Re: Why does a Boglehead move to an adviser at 1.25% AUM?

I have seen this subject come up from time to time and I keep coming back to the following in my simple little mind. For many of us working people who save a lifetime and have most everything in taxed advantaged accounts tossing it all into a Vanguard Fixed AA fund of 60/40 or 40/60 when we get to t...
by Jay69
Thu Mar 27, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Why does a Boglehead move to an adviser at 1.25% AUM?
Replies: 63
Views: 4232

Re: Statement of the Retirement Funding Problem

Not to change the subject but being you started your quest in 1974, thought I would toss this in just for fun for some perspective. I did a post awhile back that gave a rough idea of what a person could have if they started out in 1974 investing in an IRA. 1974 happen the be the first year one could...
by Jay69
Tue Mar 25, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Statement of the Retirement Funding Problem
Replies: 89
Views: 5685

Re: Surrender life insurance?

I had on Ray Lucia the other day and his example for a young person was to pick up a term policy with a rider that would allow to purchase more term (say 5-10 years after you have a family etc.) without going thru underwriting again (thinking of future health issues). I have no idea of the cost of s...
by Jay69
Tue Mar 25, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Surrender life insurance?
Replies: 4
Views: 449

Keep/Backup Health Care Records?

With the advent of our heath care records going electronic style over the last few year we now have access to our test results etc. online. When online access started a few years ago I started doing a backup of my own records to my PC so I could track my history, mostly for blood work history and ot...
by Jay69
Mon Mar 24, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Keep/Backup Health Care Records?
Replies: 12
Views: 688

Re: Your thoughts on vacation home or second home

We live in area with a ton of lake shore and woods. At one point in time 40 years ago a lake home cabin was the price of a new car. You can guess what the price of a lake home now is :annoyed I think the tide is turning back a little now, lot of cabins for sale, lots of cabins that have been for sal...
by Jay69
Wed Mar 19, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 3605

Re: Supporting Family Members

Thanks for the valuable information. The two of them share a joint account. Is it sufficient if I just write them each a check for $1000/month (even if they just end up in the same account)? Or you could just write one check for $2,000 and put both of their names on it. Is this possible? I have not...
by Jay69
Wed Mar 19, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Supporting Family Members
Replies: 30
Views: 1697

Re: When to rebalance

Are you investing manually, sounds like you are? If so toss your new funds in the lagging fund. If its on auto pilot buy per your AA. In either case you may want to use bands to rebalance. Is this a taxable account? Edit: I would just toss your new contribution in whatever single fund is lagging the...
by Jay69
Tue Mar 18, 2014 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to rebalance
Replies: 19
Views: 1568

Re: Maximum annual tax advantaged space for a single filer

P.S. I find it interesting to read all these match calculations "like most employers do." I've never had a job with a match. Must be nice, like having a pension or something. From what I've seen, matches are the new pension. Employers are cutting them out to save money. I haven't had a ma...
by Jay69
Tue Mar 18, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Maximum annual tax advantaged space for a single filer
Replies: 39
Views: 2342

Re: question about gold/silver storage

For gold just toss them in a can and toss them in the dirt. Those pictured in the link appear to be in ok condition.

http://sacramento.cbslocal.com/2014/03/04/10-million-in-gold-coins-found-by-northern-california-couple-may-have-been-stolen/
by Jay69
Mon Mar 17, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: question about gold/silver storage
Replies: 26
Views: 1432

Re: Marvin vs. Andersen Windows: The Eternal Struggle

I put Marvin's in our last addition 7-8 years ago, wood clad, low e, etc.etc. I forget the model but they have been fine and were top of the line. What sealed the deal for us was the sliding door, it just seemed to work great and still does. Take a look at how Marvin treated its employee's in the do...
by Jay69
Fri Mar 14, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Marvin vs. Andersen Windows: The Eternal Struggle
Replies: 27
Views: 1784

Re: House too small; what to do?

In just a few short years you will be running around so much with your kids you wont be home enough to think about needing more space. All you are going to do is sleep at the house and with some luck have dinner together. Build yourself a nice little wood shop out back and hide in the shop for the n...
by Jay69
Tue Mar 11, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: House too small; what to do?
Replies: 38
Views: 3062

Re: Need Some Basic Thoughts

The problem is I like this type of asset....so far. Keep it until you don't :wink: Sounds like you bought it right, when your long term renter flies take another look at it. Are you living in the other side of the duplex, you noted one renter? Maybe you will get lucky, a aunt of mine lived and rent...
by Jay69
Mon Mar 10, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Some Basic Thoughts
Replies: 4
Views: 427

Re: Recently married, seeking Retirement Portfolio Advice

I like your idea of filling up her plan first rather than yours for the reason you stated. If it were me I would toss the small and mid caps and just run with the S&P500. I had the same issue in my work plan, no total market fund while I had a small and mid cap fund to make one up it was not wor...
by Jay69
Mon Mar 10, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently married, seeking Retirement Portfolio Advice
Replies: 7
Views: 756

Re: I Bonds - buy now or wait for May?

Whatever #cruncher says :wink:
by Jay69
Mon Mar 10, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - buy now or wait for May?
Replies: 25
Views: 4435

Re: How much do I need a month?

Here is a simple pile of calculators for the down and dirty.

http://www.easysurf.cc/vfpt2.htm#fva
by Jay69
Mon Mar 10, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do I need a month?
Replies: 9
Views: 943

Re: Is it wise to go to trade school giving my situation?

since I'm very small under 100 pounds and only 5'2. Should I find something else and not wasting my money on tuition or should I pursue my passion ? Thank you. Take a look at working for an Electrical Contractor, they like people who are not afraid of some dirt and someone who is small enough to to...
by Jay69
Thu Mar 06, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it wise to go to trade school giving my situation?
Replies: 10
Views: 773
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