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Re: Dave Ramsey says asset allocation does not work

Do many of you have his radio shows given prominent time in your states? Yup. He's all over the place. But then, the guy lives here , so maybe I'm not the best example to use. :D I've driven by his "Financial Peace Plaza" many a time. It's right across from a mall, interestingly enough.
by JupiterJones
Wed Oct 01, 2014 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 52
Views: 4371

Re: Android Apps for Toddlers

celia wrote:Is this how you planned to raise your kids? How about soothing music to put her/you to sleep?



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by JupiterJones
Wed Oct 01, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Android Apps for Toddlers
Replies: 11
Views: 598

Re: Just looking for a nudge

Just look at any chart of, say, the S&P 500. I like this one , although the range on Yahoo!'s chart is a better. Look at different spans of time. Zoom in to different spots. Lots of "all time" and "long term" highs there, eh? What do you think a potential investor at any of t...
by JupiterJones
Wed Oct 01, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just looking for a nudge
Replies: 11
Views: 820

Re: Dave Ramsey says asset allocation does not work

For the record, I'm not a huge fan of Dave Ramsey, but his advice for getting out of debt is pretty solid. I don't agree. The advice to "get out of debt" is so ubiquitous, old, and obvious that it should be free. Anyone who sells the idea or takes credit for it is a charlatan. To be fair,...
by JupiterJones
Wed Oct 01, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 52
Views: 4371

Re: headphones for running

Not a good idea wearing headphones when walking or running. http://www.rrca.org/education-advocacy/rrca-general-running-safety-tips/ http://nymag.com/daily/intelligencer/2013/05/ask-a-best-doc-dont-run-with-headphones.html The first link is merely speculation ("Your ears may help you avoid dan...
by JupiterJones
Fri Sep 26, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 40
Views: 1552

Re: headphones for running

A recent thread here on this topic may be of interest:

viewtopic.php?f=11&t=144853

I'll reiterate my recommendation of custom-molded in-ear monitors for those willing to cough up the required dough for 'em.
by JupiterJones
Fri Sep 26, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 40
Views: 1552

Re: What did you always wish for but never got?

Oh yeah, and a Green Machine. Never got one of those either. #FirstWorldProblems

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by JupiterJones
Wed Sep 24, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5067

Re: What should one pay for a student cello?

You can go on line at Shar Music and find beginner half size cello outfits for between $600 and $1000. Heck, Shar has full-sized (4/4) beginner cellos for under $600. Mathematically, that would be worth buying even if you think you'd only rent for one year. (Musically, I can't vouch for the quality...
by JupiterJones
Wed Sep 24, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: What should one pay for a student cello?
Replies: 10
Views: 693

Re: What did you always wish for but never got?

For some reason I remember really wanting a strobe light (I was big into disco as a kid), but my mom thought they were bad for your eyes and wouldn't let me have one. 8-)
by JupiterJones
Wed Sep 24, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5067

Re: Southwest Airlines Engulfing, Reversal Candle Signals Do

It's time to play... <Audience shouts along with announcer> TECHNICAL ANALYSIS OR FIGURE-SKATING!!! Yes, the game where YOU get to guess if these actual terms are used in technical analysis or figure skating! Let's get started: ⋅ Turning Point ⋅ Twizzle ⋅ Swing Target &...
by JupiterJones
Tue Sep 23, 2014 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Southwest Airlines Engulfing, Reversal Candle Signals Downsi
Replies: 55
Views: 3300

Re: Macbook Air; how much RAM?

I always figured that Apple's soldered-RAM decision, much like the "get rid of the optical drive" and "make the battery non-easily-replaceable on the iPhone" decisions, was a merely a design tradeoff to get a thinner, lighter, prettier, and maybe even slightly cheaper product tha...
by JupiterJones
Fri Sep 19, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3091

Re: What Movie Have You Recently Watched?

Keep It Simple wrote:Forgot to ask...has anyone seen "No Country For Old Men"? Is it any good?


Yes, and yes.
by JupiterJones
Thu Sep 18, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4489

Re: Macbook Air; how much RAM?

mlipps wrote:You'd be crazy to spend over $1,000 just for the name brand.


I agree wholeheartedly.

But since there are more things the OP will get for the extra money than just name brand, I don't really see how that's a relevant point.
by JupiterJones
Tue Sep 16, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3091

Re: Macbook Air; how much RAM?

You might be able to get by with 4GB now, but it gets harder and harder as years go by and each new version of your favorite application will have higher and higher RAM requirements. That, coupled with the fact that you essentially cannot upgrade RAM in a MacBook Air, leads me to strongly recommend ...
by JupiterJones
Tue Sep 16, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3091

Re: Good hobby for a bright/obsessive 9 year old?

⋅  Lego Mindstorms -- Combines Legos with robotics and computer programming. ⋅ Chess isn't a bad idea, but if you're looking for something a bit more off-the-beaten-path, look into Scrabble or maybe even Go . ⋅ A bit of musical talent and enjoys dance? Drum/percussion ...
by JupiterJones
Mon Sep 15, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3063

Re: The Great Courses.com

A third vote for Dr. Greenberg. Our standard pre-road-trip ritual is a visit to the library to pick up one of his Great Courses. They never disappoint. I think the last one we listened to was his Tchaikovsky course. I'm a big fan of MOOCs and have taken them from Coursera, EdX, Udacity, etc. I think...
by JupiterJones
Mon Sep 08, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: The Great Courses.com
Replies: 23
Views: 2227

Re: What Movie Have You Recently Watched?

Last movie seen in a theater: Boyhood . I'll add to the existing glowing recommendations. Not a perfect movie (Linklater's "Before" triology is better, IMHO), but an astounding work that, in a just world, will at least get a Best-Director nomination. Worth seeing in the theaters, where you...
by JupiterJones
Tue Sep 02, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4489

Re: Programming and Database Classes

3. For MVC you need a course on something like software architecture If the OP is a good self-learner, I highly recommend the book "Head First Design Patterns". And if the OP has a Mac, Apple has tons of videos and other learning resources on Objective-C/Cocoa programming, which is MVC ou...
by JupiterJones
Fri Aug 29, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Programming and Database Classes
Replies: 15
Views: 1077

Re: Best nose hair trimmer (is this okay to ask?)

I just snort Nair.
by JupiterJones
Mon Aug 25, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Best nose hair trimmer (is this okay to ask?)
Replies: 36
Views: 2747

Re: Seeking New Mobile Service Provider

Try Ting.

No contract. Pretty good coverage. And you might be able to bring your old Sprint phone to the deal (depending on which EVO model it is.)

(I, or any other Ting-user here, can send you a referral link that will get you a $25 credit if you decide to use them.)
by JupiterJones
Mon Aug 25, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Seeking New Mobile Service Provider
Replies: 5
Views: 515

Re: Do you tip on the tax?

Tipping is optional, no? Sure. But so are any number of random social niceties that are typically expected of someone who participates in this human culture we have here. We can (often justifiably) question these expectations. But when we nonetheless participate in an activity that we know clearly ...
by JupiterJones
Fri Aug 22, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 5123

Re: Do you tip on the tax?

As long as you tip well, what difference does it make what figure you use in your mathematical formula? Here in TN, tax is 9.25%. So someone who tips 20% on the pre-tax total is leaving the same tip as someone who tips 18.3% on the post-tax total. Either percentage is a decent tip in my book. And if...
by JupiterJones
Fri Aug 22, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 5123

Re: Driving Trip Planning

Here's how I'd do it, using Google Maps on a computer: ⋅ Type in your start and end destinations. Google will map the whole route out for you. ⋅ Grab the "end" marker with your mouse. Drag it backwards along the route. ⋅ Google will recalculate the time for yo...
by JupiterJones
Wed Aug 20, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 45
Views: 1713

Re: Recommendation for ear buds/in ear headphones

How much do you want to spend? I use custom-molded in-ear monitors from FutureSonics. They stay put, sound fantastic, and have held up for ages. But they are absurdly expensive*. I bought them back in my musician days when I could justify (and deduct) such a purchase. Still, I'm spoiled by them and ...
by JupiterJones
Fri Aug 15, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for ear buds/in ear headphones
Replies: 18
Views: 778

Re: Q: What would be the best way for me to start investing?

Good for you for even thinking about this stuff and asking this question. When I was your age, I was a stone-cold idiot about investing. :D The short answer: Go here... http://www.bogleheads.org/wiki/Getting_started The long answer: Step one is to make sure you're in a position to invest in the firs...
by JupiterJones
Thu Aug 14, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Q: What would be the best way for me to start investing?
Replies: 10
Views: 1051

Re: Convince me I can make a dumb (car-related) purchase

If I made that kind of money and had no debt, I'd buy a used Honda.

Then I'd go buy myself a plane. :sharebeer
by JupiterJones
Thu Aug 14, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4367

Re: Winery to visit in North Willamette (OR)/McMinnville are

Thanks for the tips, folks!

Keep 'em comin'! :beer
by JupiterJones
Thu Aug 14, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Winery to visit in North Willamette (OR)/McMinnville area?
Replies: 19
Views: 1787

Re: Strategic Default

Slowmaha wrote:Moral issues aside, at what point would one consider a strategic default on a property?


Probably at the point where I could actually put the moral issues aside.
by JupiterJones
Thu Aug 14, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3255

Re: Mac Airbook

Before shelling out the $$$ for the Mac versions of Microsoft Office, I'd recommend that you download LibreOffice and give it a spin for awhile. It's what I use on my Mac. It can read and write Word and Excel files. If you hate it, then just go ahead an buy Mac Office. But who knows... you might dec...
by JupiterJones
Thu Aug 14, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3242

Re: Student Loans

A student loan is sort of a leveraged investment. That is, you're borrowing money to pay back later, with the idea that you will invest that money in the meantime into something that will have a high enough return to more than offset the cost of the borrowing. In that sense, a student loan is no dif...
by JupiterJones
Tue Aug 12, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 32
Views: 3306

Re: Winery to visit in North Willamette (OR)/McMinnville are

Bumping this old thread because the wife and I will be heading to Oregon for a brief vacation. We'll be spending a couple of nights outside of Dundee and are looking for some good suggestions for wineries and restaurants in the northern Willamette Valley area. So, any changes/additions/endorsements ...
by JupiterJones
Mon Aug 11, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Winery to visit in North Willamette (OR)/McMinnville area?
Replies: 19
Views: 1787

Re: Your Favorite charity organization...? please

A couple of points, as someone who has experience working in the non-profit industry: 1.) It's really about connecting your passion with an institution can help you (through your donation) achieve those goals you're passionate about. It's stating the obvious, but since we all care about different th...
by JupiterJones
Fri Aug 08, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4303

Re: Marathon Running and Long-term Investing

Another thing they have in common:

People who don't do it, don't think they can ever do it, and they certainly don't want to hear you talk about it. :D
by JupiterJones
Thu Aug 07, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1709

Re: Public Speaking-help

Slowmaha wrote:It's over. I was told I did well but I'm not sure.


Woo-hoo! I bet you did great!

Congrats, and thanks for the update!

:sharebeer
by JupiterJones
Wed Aug 06, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 5259

Re: Marathon Running and Long-term Investing

The fifth lesson is that investing, like marathon running, is "an experiment of one" (to quote George Sheehan ). You have to find the shoe that works for you , and the training plan that works for you , and the diet that works for you , and.... well you get the idea. Veteran marathoners ca...
by JupiterJones
Wed Aug 06, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1709

Re: Salzburg or Graz?

Ok true Salzburg Story. Nice! Here's ours: Submitting ourselves to Salzburg's touristy charms, we capped off a wonderful day there with the "Mozart Dinner". This takes place in a room at Stiftskeller St. Peter--supposedly the oldest restaurant in Europe. We enjoyed a (surprisingly not med...
by JupiterJones
Mon Aug 04, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Salzburg or Graz?
Replies: 18
Views: 1240

Re: Salzburg or Graz?

I've also been to both and would recommend Salzburg, hands-down. Someone mentioned Halstatt, which I also highly recommend. The few (cheaper) accomodations in Halstatt were filling up fast...some rooms in the pricier places might be available. Well I don't know if I'd sleep in Halstatt, necessarily...
by JupiterJones
Mon Aug 04, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Salzburg or Graz?
Replies: 18
Views: 1240

Re: What is your most memorable 1 week vacation?

Another vote for Napa/Sonoma valleys, with San Francisco as your launchpad. If you haven't been to the Grand Canyon though, well, that's a good one too. Although one week it a bit much unless you plan on hiking down into it (and even then...). So I'd pair it with either Las Vegas (hitting Hoover Dam...
by JupiterJones
Mon Aug 04, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 91
Views: 7947

Re: Salzburg or Graz?

I've also been to both and would recommend Salzburg, hands-down. Not that there's anything wrong with Graz. It has an interesting "old town", charming cafes, and all that stuff. I just don't think Graz offers anything particularly new to someone who is already coming from Vienna. Salzburg,...
by JupiterJones
Mon Aug 04, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Salzburg or Graz?
Replies: 18
Views: 1240

Re: Public Speaking-help

Oh, and as far as specific recommendations: Since time is short, in lieu of retaking the Carnegie course (or attending Toastmasters), how about getting a copy of one of Dale Carnegie's books on public speaking and going over that? "The Quick and Easy Way to Effective Speaking", "The A...
by JupiterJones
Thu Jul 31, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 5259

Re: Public Speaking-help

chances are nobody is going to remember your presentation 3 months later. True, and not an indictment of the OP's presentation skills as much as an indictment of how much most people pay attention to anything . :D People fuss and stew over what they wear, what they say, how they act, etc., as if th...
by JupiterJones
Thu Jul 31, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 5259

Re: What ONE investing book or article for skeptical sibling

His outlook on the future is somewhat influenced by doomsday mentality [...] what ONE book or couple of articles do you think would give a smart guy the proverbial "light bulb" over the head? Another vote for "nothing". There simply is no book or article that will do the trick h...
by JupiterJones
Fri Jul 11, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: What ONE investing book or article for skeptical sibling?
Replies: 30
Views: 2952

Re: Luggage recommendation

I just looked at the Rick Steves 20-inch bags. They are nice, but they have two outer zippered pockets situated on outer face of the bag. It appears that neither of these are big enough to hold a non-small collapsible umbrella. If the bag had a single outer pocket, then the umbrella would fit. So m...
by JupiterJones
Mon Jul 07, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 36
Views: 2782

Re: What smartphone plan do you use?- off contract

I just switched to Ting a couple of weeks ago.

So far, so good.
by JupiterJones
Mon Jul 07, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5766

Re: Valuing a personal residence for net worth purposes

Zillow - 10%. Same here. Zillow minus 10%. For me, anyway, it's not as important what my net worth is as much as whether it's higher or lower than it was . The relative change is what I'm looking at more than the absolute value. So if the home value that I use isn't quite perfect, at least it's imp...
by JupiterJones
Mon Jul 07, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 4056

Re: Luggage recommendation

I think the first question is whether you can commit to "carry-on" only. For the "carry-on" traveler (which, I agree, is totally the way to go), I'd recommend taking a look at luggage Rick Steves sells under his own brand: http://travelstore.ricksteves.com/catalog/index.cfm?fuse...
by JupiterJones
Mon Jul 07, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 36
Views: 2782

Re: Personal Development Books

Here's my problem with Richard Carlson's "Don’t Sweat the Small Stuff." The full title is, "Don’t Sweat the Small Stuff…and it’s all Small Stuff." Terminal illness, death of a loved one, divorce... how can things like that be included in, "and it's all Small Stuff?" A ...
by JupiterJones
Fri Jun 27, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Personal Development Books
Replies: 39
Views: 2989

Re: How do you afford to travel?

Fear of flying is very common. The good news is, you can do something about it. One of the best ways to get over a fear of flying is to take flying lessons. It's a whole different ballgame when you're in control. Good point. Not only that, but it gives you chance to "feel", first-hand, ho...
by JupiterJones
Fri Jun 27, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6455

Re: Personal Development Books

Don't sweat the small stuff - Richard Carlson Great choice! I'm kicking myself for not including it on my list above, in fact. It's tempting to dismiss that book as fluff, being as it was among that wave of small, often-corny, self-help books that were seemingly for sale next to every bookstore cas...
by JupiterJones
Thu Jun 26, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Personal Development Books
Replies: 39
Views: 2989
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