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Re: Only 3 Index Funds in Pension Plan, Can't Decide

I believe that Bogle's home-bias overweighting of US is from the standpoint of someone who lives in the US and spends in US dollars. If I were you, I'd have 1/3 in each of the funds (HK, Europe, North America), which would give you a similar home-bias and overweight your home country and home curre...
by YttriumNitrate
Fri Apr 18, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Only 3 Index Funds in Pension Plan, Can't Decide
Replies: 5
Views: 131

Re: Looking for Low-Cost Eyeglass Shop I can visit

Since I hate to pass up the opportunity to link to an article in Cracked...
Luxottica Makes All Your Glasses
by YttriumNitrate
Wed Apr 16, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 1257

Re: Lost $10K in my investments past few months

Stoney, based on your previous posts it seems that your IPS may have you at a higher level of stocks than your risk tolerance dictates.
by YttriumNitrate
Tue Apr 15, 2014 7:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4297

Re: Save for 25 years = $1million?

By my estimates, if he keeps his monthly contribution at the value it is now (not $$ amount, value) he'll have a million dollars at around age 56. This assumes 3% inflation that his contribution increases with, and a 9% non-inflation adjusted rate of return. Using those same numbers, if he ups the c...
by YttriumNitrate
Mon Apr 14, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save for 25 years = $1million?
Replies: 22
Views: 3967

Re: Elio Car

I'd probably buy one if they became available. However, there are some pretty good reasons why it's rare for a new car manufacturer to be successful, and those that are usually start at the high end instead of the bottom of the low end. http://gas2.org/2013/08/16/financials-show-that-elio-motors-is-...
by YttriumNitrate
Mon Apr 14, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 26
Views: 1487

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

Allen, I'm assuming you're a religious minister (or asking on behalf of a religious minister) who can opt out of social security so this is an actionable topic. It depends, social security is a good deal for low income women and a crummy deal for high earning men. EDIT: Based on the following public...
by YttriumNitrate
Sun Apr 13, 2014 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: If Social Security wasn't mandatory, would you contribute?
Replies: 9
Views: 750

Re: Scientists Trying to Create Human Heart With 3D Printer

Scientists and engineers are trying to create lots of things with 3d printing, organs included. I would not get overly excited about the prospects for printing viable organs any time soon. It does seem that "3D printing" has become the newest science buzzword. I wonder how many "Nano...
by YttriumNitrate
Sun Apr 13, 2014 8:57 am
 
Forum: Personal Consumer Issues
Topic: Scientists Trying to Create Human Heart With 3D Printer
Replies: 4
Views: 524

Re: Use credit cards to pay rent: Amex Serve?

It seems like you are trying to shift fees onto your landlord in order to recoup some of those fees as credit card rewards...If you want to pay your rent by credit card for the convenience, have you tried offering to reimburse the landlord for the fees by paying an extra 3% in rent?
by YttriumNitrate
Sat Apr 12, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3450

Re: Stock markets in free fall?

This is a great time to rebalance into gold, silver and copper. Just bought three pairs of gold earrings for DW. One on each ear balances very nicely :D So in these troubled times you're overweighting earrings instead of going with a diversified portfolio of necklaces, tennis bracelets, and earring...
by YttriumNitrate
Sat Apr 12, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6491

Re: Improvement needed

With a 6, 10, and 14 year old, college costs are going to be coming fast. Doing a quick back of the envelope calculation, it seems that you have about $300k in taxable accounts which will count against college financial aid for your girls. If you don't have Roth IRAs set up for you and your wife, I'...
by YttriumNitrate
Fri Apr 11, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 1675

Re: Commuting and Taxes (new job)

I bicycled to work everyday for 11 years, and your estimates on how much a bike costs seem way high to me. You should be able to pick up a decent yard sale bike for $10-$20. These bikes are better for commuting because bikes locked up outside have a tendency to get stolen and/or vandalized. Maintena...
by YttriumNitrate
Thu Apr 10, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Commuting and Taxes (new job)
Replies: 2
Views: 323

Re: What is risk tolerance?

techcrium wrote:How do you determine it?

For many people these days, it's simple. You just remember back to how you were acting/feeling in March 2009.
by YttriumNitrate
Wed Apr 09, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: What is risk tolerance?
Replies: 12
Views: 518

Re: Student Loans -- a surcharge on your job?

Good point. Can you explain the 5% going forward? Expect bonds to return 2-3% going forward, stocks 6-7%, your expected return is the weighted average. Steve_14, these seem like inflation adjusted returns (or you're being very conservative considering the 20-year treasury is right now is above your...
by YttriumNitrate
Tue Apr 08, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans -- a surcharge on your job?
Replies: 26
Views: 1575

Re: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?

The M5 almost seems too practical for a weekend car. How about an early 2000s Corvette or Porsche 911 to go with the Ford Fusion?
by YttriumNitrate
Sun Apr 06, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?
Replies: 34
Views: 2420

Re: questionable Chase "loss prevention" practice

A while back I also opened up a Chase account for the $150, and compared to the four or five other online account I have their security is by far the most annoying...that may be part of the reason they need to bribe people to open up accounts. While you're at it, have you considered doing the $10k i...
by YttriumNitrate
Sat Apr 05, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: questionable Chase "loss prevention" practice
Replies: 7
Views: 942

Re: Warning: Stocks Will Collapse by 50% in 2014

So is that secret calender anything like Grays Sports Almanac?

In other news, we're only 1 year from 2015, the future year in Back to the Future II...and still no hover boards. :annoyed But, on a positive note, we did avoid Judgement Day...17 years ago.
by YttriumNitrate
Mon Mar 31, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Warning: Stocks Will Collapse by 50% in 2014
Replies: 21
Views: 2801

Re: Metal roof vs asphalt shingles

One thing regarding metal roofs that has changed in the past few years is that the tax credit has gone down from $1500 to $500.
by YttriumNitrate
Mon Mar 31, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Metal roof vs asphalt shingles
Replies: 7
Views: 898

Re: New Friends are the Anti-Bogleheads, what to do?

SteelPenny wrote:2. Bought a new boat for rare weekend use.

Tis better to have friends that own boats than own a boat yourself...you and your wife should help them use the boat more often. :D
by YttriumNitrate
Sun Mar 30, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8397

Re: Dave Ramsey on Bonds

To be fair to Dave Ramsey, while he generally does recommend 100% stocks in a brokerage account, he counterbalances that with the suggestion of owning rental properties which have many bond like qualities.
by YttriumNitrate
Sat Mar 29, 2014 9:26 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey on Bonds
Replies: 17
Views: 3479

Re: Buying a house with a partner, not married

Seems like each should put $50K into the property and finance the rest. That way its a 50/50 split. It doesn't make sense to have each put in only $50k. Then they'd end up financing 800k instead of 400k. Once again, the great "should I pay off my mortgage early" debate rears its ugly head...
by YttriumNitrate
Sat Mar 29, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house with a partner, not married
Replies: 23
Views: 1289

Re: Buy Term Life Now or Wait

Just doing a quick search at Zander Insurance , a 20 year term half million policy on a 29 year old guy is running $244 a year. That same policy costs a 30 year old $244 a year, $245 for a 32 year old, and $250 a year for a 34 year old. So no, you don't save money by buying insurance before you need...
by YttriumNitrate
Wed Mar 26, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy Term Life Now or Wait
Replies: 17
Views: 1112

Re: Best Mortgage Type for 1st-timers: 30-YR Fixed?

I'm a little confused though since this ACS study(from your link) says half of all buyers lived 10 years or less but the AHS says it's around 14 years? There's obviously some variability here not to mention the study is about 7 years old. I think they address that with some reference to a 1992 arti...
by YttriumNitrate
Tue Mar 25, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage Type for 1st-timers: 30-YR Fixed?
Replies: 19
Views: 1182

Re: Best Mortgage Type for 1st-timers: 30-YR Fixed?

I think people are way too conservative when it comes to mortgages. Fact: the average length of homeownership is 7 years. Why do most people go for 30 year mortgages instead of a 7/1 ARM? I don't know. People move in and out of condos a lot more frequently than houses. There's about a 50/50 chance ...
by YttriumNitrate
Tue Mar 25, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage Type for 1st-timers: 30-YR Fixed?
Replies: 19
Views: 1182

Re: New Housing Bubble and upcoming cycle peak

There seems to be a problem with the pre-bubble trend line since it's linear instead of exponential as would be expected.
by YttriumNitrate
Tue Mar 25, 2014 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 74
Views: 6342

Re: Attempt at explaining the backdoor Roth to my new accoun

LowER wrote:Is there anything else I should send his way?

Yes, a bill for the time you spent gathering that information. :D
by YttriumNitrate
Mon Mar 24, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Attempt at explaining the backdoor Roth to my new accountant
Replies: 26
Views: 2267

Re: Have extra cash: Should I pay off the HOUSE or INVEST it

To summarize these estimates: What if I paid off my whole apartment right now?... I'd have $133278 in profit (minus interest already paid from the first year) available for my next home purchase. Meanwhile, what's the investment opportunity cost? Say I invested that $220589 of cash instead of using...
by YttriumNitrate
Sat Mar 22, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Have extra cash: Should I pay off the HOUSE or INVEST it?
Replies: 31
Views: 2754

Re: Do you love your job? What do you do?

I write and enforce patents for a living. It’s a fun job that’s basically just a big strategy game. I spend my days avoiding opponents’ patents, defending the client’s property, and developing new weapons to crush the opposition. To further make things interesting, the rules of the game change from ...
by YttriumNitrate
Fri Mar 21, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10081

Re: Anyone know of places to purchase canes

FrugalInvestor wrote:1. Google "wood cane"
2. Click on "Shopping" link at top of resulting page
3. Shop


You'll have much better results if you search for "pimp cane" instead of "wood cane"
by YttriumNitrate
Tue Mar 18, 2014 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know of places to purchase canes
Replies: 26
Views: 1256

Re: Bad time to open new fund in Roth?

If you're in your early 30s, the Dow will probably be over 100,000 when you start pulling money out of your Roth IRA. Are you sure about this? It would only take a 5.5% growth rate for the Dow to exceed 100,000 thirty five years from now. Figuring a 3% inflation rate, that means a 2.5% real growth ...
by YttriumNitrate
Tue Mar 18, 2014 7:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Bad time to open new fund in Roth?
Replies: 19
Views: 1654

Re: Don’t Bother With That High Cost 401(k)

It seems the author of that paper overlooked some of the key benefits of a 401(k) to come up with that 1 in 7 number.

1. Funds in a 401(k) are not counted against a college financial aid calculation.
2. Funds in a 401(k) are more protected against judgements than funds in a taxable account.
by YttriumNitrate
Mon Mar 17, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Don’t Bother With That High Cost 401(k)
Replies: 28
Views: 2975

Re: Cheap ammo

This is really the wrong forum for ammo talks but there's plenty of it for sale online. gunbroker.com and ammoseek.com are good places to start if you haven't bought online before both have plenty of both for sale. 22 Ammo is a fantastic example of a commodity bubble. Production is up, and the stuf...
by YttriumNitrate
Sun Mar 16, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 26
Views: 2223

Re: Bad time to open new fund in Roth?

If you're in your early 30s, the Dow will probably be over 100,000 when you start pulling money out of your Roth IRA.
by YttriumNitrate
Sun Mar 16, 2014 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad time to open new fund in Roth?
Replies: 19
Views: 1654

Re: LED lights currently worth it personal financewise?

My electric company has been giving out CFL bulbs for the past few years, so once my lifetime supply of CFL is used up I might switch over to LEDs...if I'm still around. By that time LEDs will probably be a good value. On a somewhat related note, back when CFLs were introduced, weren't they touted a...
by YttriumNitrate
Sat Mar 15, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2480

Re: Net Worth Calculation

I've always liked the Jane Austin-esque way of calculating net worth by how much a year you get for doing absolutely nothing. What's particularly nice about this method is that the calculation is focused on your level of financial independence.
by YttriumNitrate
Thu Mar 13, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation
Replies: 37
Views: 3535

Re: "The Average Investor Should Use a Financial Adviser"

So for the investor who's making poor choices, the added return from a more optimal portfolio may overcome the investment adviser fees, but for those following simple low cost options here, I don't think the added cost and time involved will pay back. If you're retired today or retiring soon, and h...
by YttriumNitrate
Wed Mar 12, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: "The Average Investor Should Use a Financial Adviser"
Replies: 51
Views: 6957

Re: Low-flow shower head: $4,500 saved in last 5 yrs

Wow! You pay a lot for water. I think my water cost is about 1/3 what you pay. I also have a gas hot water heater. I think my savings would be less than $10/mo, but I can see how you would like to save a few bucks. Don't forget the downstream cost of the water...mainly the sewer system. At least in...
by YttriumNitrate
Wed Mar 12, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Low-flow shower head: $4,500 saved in last 5 yrs
Replies: 27
Views: 3276

Re: Window Busted - Restitution & Insurance

Some states as a matter of public policy prohibit insurance carriers for "charging" insured crime victims as if they were negligent. In Maryland (2) "Crime of violence" has the meaning stated in § 14-101 of the Criminal Law Article. (3) "Victim" means a policyholder or...
by YttriumNitrate
Wed Mar 12, 2014 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Window Busted - Restitution & Insurance
Replies: 6
Views: 777

Re: American Airlines Stock

raymclean wrote:And don't forget Warren Buffet's similar thoughts about his purchase of USAir, way back...'80s I think.

To be fair, Buffet still owns a mini-airline called NetJets.
by YttriumNitrate
Tue Mar 11, 2014 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: American Airlines Stock
Replies: 12
Views: 1154

Re: Stay or move is the financial question.

Perhaps you can get your tree & mountain fix by spending a few weeks at Lake Tahoe each year. Hotel rooms at the casinos are crazy cheap (~$75/night for long stays) even during ski season, and a season's pass to Heavenly can be had for about $350.
by YttriumNitrate
Tue Mar 11, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stay or move is the financial question.
Replies: 21
Views: 1556

Re: Tipping for a haircut at Great Clips

I need to learn how to cut my own hair. How do you guys do your back? The only time I tried it (with a scissors, admittedly) it did not go well. . Two mirrors and clippers are the way to do the back. My winter cut is the sides/back at 2/8ths of an inch then the top at a full inch, while in the summ...
by YttriumNitrate
Mon Mar 10, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 3953

Re: Do you have a side job?

Does a hobby that I hope will be profitable one day fall under the category of "side job"?
by YttriumNitrate
Sat Mar 08, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a side job?
Replies: 58
Views: 4770

Re: What was your dumbest financial decision?

Just envision a scenario where you take a woman out for a lovely dinner and then pull out a two for one coupon with your credit card to pay. A boglehead compatible woman would be impressed; this could be a good screening mechanism to eliminate incompatible partners AND save money. This is what my h...
by YttriumNitrate
Thu Mar 06, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8339

Re: Will this affect your Tipping?

Going back to the original topic of forcing people to actively turn down a tip, this reminds me of all those stores where at checkout they ask you if you would like to donate a dollar to some charity. While the money might be going for a good cause, my view is that it's rather tacky to put your cust...
by YttriumNitrate
Wed Mar 05, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7548

Re: How much is a fair hourly fee?

freebeer wrote:I don't think our business pays our CPA $250/hour. And we're paying smart, accomplished software developers with computer science degrees more like $90/hour.

Don't forget to factor in benefits, rent, and non-billable support staff into the analysis.
by YttriumNitrate
Mon Mar 03, 2014 8:30 am
 
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 4839

Re: finding ways to save money

If you have the space, consider planting a few fruit trees in your yard. Depending on where you live, with less than $200 in trees you can virtually eliminate the amount you spend on fruits a couple years from now. Add in a cider press, and you'll save a bunch on your beer budget.
:sharebeer
by YttriumNitrate
Sun Mar 02, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: finding ways to save money
Replies: 39
Views: 3431

Re: The Great 100 thousand dollar pension question.

Is that pension going to actually be there? In my state, that type of pension is bankrupting local governments, and court cases are in progress about whether they can be substantially reduced or not. It seems like that could be an argument in favor of retiring early and get while the getting's good...
by YttriumNitrate
Sat Mar 01, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: The Great 100 thousand dollar pension question.
Replies: 65
Views: 6154

Re: Where to buy polo shirts?

If you're in the Midwest, wait for a Menard's sale. It seems weird to buy clothing at a hardware store, but I'm slowly converting my business casual wardrobe over to $5 after rebate dress pants and polos.
by YttriumNitrate
Wed Feb 26, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy polo shirts?
Replies: 54
Views: 4098

Re: Any indoor seed starters?

I started peach tree seedlings indoors this year. Out of 50 or so seeds I probably have 10 trees that are now 4-8 inches tall. While not a great yield, it wasn't bad for a first time. I used one of those ubiquitous black plastic containers and placed it in a south facing window. I don't know about w...
by YttriumNitrate
Wed Feb 26, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 1441

Re: Vacuum cleaner advice

I bought a Dyson DC07 for $5 at a yard sale back in '09 and have had no complaints about its cleaning performance (as long as all the filters get cleaned out from time to time). The plastic latches on the dirt canister are a bit flimsy, but it's easy to rig up a fix when they break.
by YttriumNitrate
Tue Feb 25, 2014 6:46 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 1895

Re: 2014 auto production run ended?

I did search around some of the newspapers in the Lafayette Indiana area (where Subaru assembles cars in the US) but couldn't find anything Thanks Shawcroft I live about 10 miles from the Lafayette factory. They make the Outback, a few other Subaru models, and some Toyota Camrys there. From what I ...
by YttriumNitrate
Tue Feb 25, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 auto production run ended?
Replies: 15
Views: 1051
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