Search found 811 matches

by YttriumNitrate
Tue Sep 01, 2015 9:03 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K
Replies: 12
Views: 1386

Re: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K

I generally see Dave Ramsey's advice as emotionally correct while mathematically wrong, and Boglehead advice is usually mathematically correct but can be emotionally flawed. For example, Ramsey's debt snow ignores the interest rates a person is paying on the debts, so people end up taking longer to ...
by YttriumNitrate
Mon Aug 31, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Road Trip; Denver, Casper, Deadwood, Mt. Rushmore
Replies: 12
Views: 392

Re: Road Trip; Denver, Casper, Deadwood, Mt. Rushmore

Three nights in Rushmore is overkill imo. We made a similar trip through the area (our first time) last year. I would definitely budget some time to visit Custer State Park. Maybe it's just me, but Mt. Rushmore was very disappointing. It may have been because it is so "overexposed," but i...
by YttriumNitrate
Sat Aug 29, 2015 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Low-cost Indexing versus Real Estate Investing
Replies: 7
Views: 993

Re: Low-cost Indexing versus Real Estate Investing

My low cost index fund has never called me in the middle of the night due to a clogged toilet...
by YttriumNitrate
Wed Aug 26, 2015 3:30 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks Does it Ever Make Sense?
Replies: 81
Views: 7346

Re: Individual Stocks Does it Ever Make Sense?

This is what happened to several major company stocks in the 1973-1976 bear market (The S&P 500 Index fell 48%): ---(-70%) Coca-Cola ---(-82%) Intel ---(-73%) McDonald's ---(-86%) Merrill Lynch ---(-86%) Walt Disney ---(-71%) Xerox Bottom line: Go back to diversified mutual funds. Best wishes. ...
by YttriumNitrate
Wed Aug 26, 2015 10:55 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks Does it Ever Make Sense?
Replies: 81
Views: 7346

Re: Individual Stocks Does it Ever Make Sense?

If you add in an energy company and a financial company to your basket you would have a passable representation of the Dow. Of course, at that point you might as well just buy a fund like DIA that tracks the Dow.
by YttriumNitrate
Mon Aug 24, 2015 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks?
Replies: 1
Views: 224

Re: Sell individual stocks?

The wrinkle in this situation is that there is a slightly greater than 50% chance that my tax bracket will decrease next year. This only matters if you expect to move from the 39.60% to the 35% rate, or from the 25% rate to the 15% rate. I'd probably wait if you are going to the zero percent 15% ra...
by YttriumNitrate
Sun Aug 23, 2015 7:26 am
Forum: Personal Consumer Issues
Topic: Diamond ring- insurance vs resale value
Replies: 13
Views: 1188

Re: Diamond ring- insurance vs resale value

Just doing a quick spot check, it looks like expensive diamond rings tend to sell for between 1/4 and 1/3 their appraised value on Ebay.
by YttriumNitrate
Sat Aug 22, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: Cheaper car for someone who enjoys cars?
Replies: 63
Views: 8521

Re: Cheaper car for someone who enjoys cars?

Anything with a manual transmission. My wife's car has almost three times the horsepower of my car, but it's not nearly as fun to drive since it's an automatic.
by YttriumNitrate
Tue Aug 18, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: How to soundproof interior walls
Replies: 24
Views: 2358

Re: How to soundproof interior walls

I've got a small (perhaps 4x4) room off of my son's bedroom that holds the electric water heater - which tends to squeal a bit when water's being heated. What would be the best solution for reducing the noise so it's less of a distraction when he's trying to sleep? Currently it simply has drywall w...
by YttriumNitrate
Tue Aug 18, 2015 9:06 am
Forum: Investing - Theory, News & General
Topic: Why does Bogle disparage ETFs in his book?
Replies: 35
Views: 2639

Re: Why does Bogle disparage ETFs in his book?

If you mean literally day trading, perhaps it's a straw man, but there's good evidence that ETF investors trade more often. John C. Bogle has presented this evidence various times. For example, on p. 186 of the 2010 edition of Common Sense On Mutual Funds , he says that SPY "has about 700 mill...
by YttriumNitrate
Tue Aug 18, 2015 7:29 am
Forum: Investing - Theory, News & General
Topic: Why does Bogle disparage ETFs in his book?
Replies: 35
Views: 2639

Re: Why does Bogle disparage ETFs in his book?

I think that he is looking at the wider picture. In The Clash of the Cultures , he explained that ETFs have allowed the emergence of speculation at the index level. Think of day traders who used to buy and sell stocks. They now can buy and sell index ETFs all day long; they couldn't do that with tr...
by YttriumNitrate
Mon Aug 17, 2015 2:33 pm
Forum: Personal Consumer Issues
Topic: How to soundproof interior walls
Replies: 24
Views: 2358

Re: How to soundproof interior walls

I put in soundproofing between my basement and first floor and it works okay. In general, if the problem is low frequency sound then you are going to have a dozy of a time blocking it out. For higher frequency sounds, you can do things like add resilient channels and double walls.
by YttriumNitrate
Fri Aug 14, 2015 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Savings accounts and the possibily interest rates rising
Replies: 6
Views: 1134

Re: Savings accounts and the possibily interest rates rising

If the FED does decide to raise interest rates, how much will it affect savings accounts interest rates? My guess would be that instead of losing 2% of the value of the account to inflation each year you will only lose 1 to 1.5% each year. Thinking in terms of value instead of absolute dollar amoun...
by YttriumNitrate
Fri Aug 14, 2015 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: College savings
Replies: 40
Views: 2203

Re: College savings

I would not be surprised at all if the rate of increase in college prices remains fairly constant over the next 20 years; however I would expect the rate of increase in need based financial aide to also increase at a matching rate so the number of people paying full price gets smaller and smaller. h...
by YttriumNitrate
Fri Aug 14, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 87
Views: 7072

Re: Carry on luggage

While luggage may get weighed by the airlines, your clothing usually is not. One trick my sister uses when traveling from the US to China is to put the densest stuff in the pockets of a large trench coat. While she's pretty small, a friend of hers once traveled with a coat stuffed with carbiners and...
by YttriumNitrate
Fri Aug 14, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 87
Views: 7072

Re: Carry on luggage

While looking for a good carry on bag don't forget about your "personal item" bag. A large laptop bag with a small laptop inside leaves lots of space for other items.
by YttriumNitrate
Wed Aug 12, 2015 11:19 pm
Forum: Personal Consumer Issues
Topic: Buying a "dinosaur" laptop
Replies: 28
Views: 3510

Re: Buying a "dinosaur" laptop

I like to work/play on a laptop while working out on an exercise bike or elliptical and typically go through a laptop every 2 years or so, and by that I mean drop it on the floor and shatter the screen. If you're not too concerned with performance, then Craigslist is a great place to pick up a "...
by YttriumNitrate
Wed Aug 12, 2015 8:33 am
Forum: Personal Consumer Issues
Topic: Architectural Shingles VS Metal Roof
Replies: 30
Views: 2121

Re: Architectural Shingles VS Metal Roof

Echoing what others have said, I did not notice an increase in sound when it rains from my metal roof. My hunch on that common belief is that it stems from metal barn/shed roofs where the sheets of metal span between the rafters unsupported. For residential metal roofs, there is decking between the ...
by YttriumNitrate
Mon Aug 10, 2015 9:21 am
Forum: Personal Consumer Issues
Topic: Boglehead Hawaii
Replies: 28
Views: 2886

Re: Boglehead Hawaii

Although things might be a bit different on the big island, when my wife and I went to Oahu last year I don't recall gasoline being that much more than the Midwest. Certainly it was a bit more, but still far less than what you'll pay in many parts of Europe. While there are restaurants that will set...
by YttriumNitrate
Mon Aug 10, 2015 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Buy a house that is registered under a sex offender[?]
Replies: 36
Views: 4181

Re: Buy a house that is registered under a sex offender[?]

Something potentially more concerning than someone ten years from now getting a faulty Google search could be that thanks to various regulations sex offenders are now pushed into clusters, and it sounds like the house you are thinking about buying might be in one of those cluster areas. Laws are con...
by YttriumNitrate
Fri Aug 07, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: Comcast Offers-whats the catch?
Replies: 26
Views: 2400

Re: Comcast Offers-whats the catch?

My experience as a former Comcast subscriber is that their pricing structure is about as mysterious as the airlines. To get their best prices, you'll basically need to call up once a year to cancel your subscription and then let them talk you out of it with their promotions/reduced rates.
by YttriumNitrate
Fri Aug 07, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Inherited jewelry and have no clue how to liquidate
Replies: 27
Views: 2906

Re: Inherited jewelry and have no clue how to liquidate

Well, as a 27 year old male, do you expect to have the need for a diamond ring in the next 10 years? Using one of them yourself would probably be the most efficient course of action as the markup on engagement rings can be ridiculous.
by YttriumNitrate
Wed Aug 05, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Have you ever encountered hostility because people think you're "rich"?
Replies: 71
Views: 5535

Re: Have you ever encountered hostility because people think you're "rich"?

Stealth wealth can do wonders in avoiding this. Although, when the local homeless crowd starts giving you tips on what food is being offered at which shelter, you might be taking it a bit too far. That has happened to me...more than once.
by YttriumNitrate
Tue Aug 04, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Close to 93% of portfolio in individual stocks?
Replies: 28
Views: 2534

Re: Close to 93% of portfolio in individual stocks?

The 15-STOCK DIVERSIFICATION MYTH From the article: In order to investigate this problem, I looked at the stocks constituting the S&P 500 as of 11/30/99, and formed 98 random equally-weighted 15-stock portfolios for the 12/89-11/99 10-year holding period. There's a big difference in randomly pi...
by YttriumNitrate
Tue Aug 04, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: is 7200 rpm hard drive that much faster than 5400 rpm?
Replies: 50
Views: 2863

Re: is 7200 rpm hard drive that much faster than 5400 rpm?

I have a laptop that is 8 years old. I do mostly programming on it such as Visual Studio and Android Studio. I am thinking very seriously about purchasing a PC with Windows 7 Pro while I can...Will I notice the difference between 5400 rpm and 7200 rpm If you are using an 8 year old computer, and yo...
by YttriumNitrate
Fri Jul 31, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a franchise
Replies: 27
Views: 2888

Re: Opening a franchise

If you are considering a fitness franchise, I would recommend listening to the Barbell Business Podcast as it will give you some ideas regarding the numbers for a CrossFit operation.
by YttriumNitrate
Fri Jul 31, 2015 11:04 am
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 20
Views: 1180

Re: Food safety - broken refrigerator

Plastic five gallon buckets with tight fitting lids are a wonderful way to keep bugs and critters away if you start to run out of space in your refrigerator. On the list, the only thing I might throw out would be the salad dressing (depending on its type) since it is the only thing that A) lacks lot...
by YttriumNitrate
Fri Jul 31, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 20
Views: 1180

Re: Food safety - broken refrigerator

My guess is the eggs and condiments are just fine. Just think of all those ketchup/mustard bottles that sit unrefrigerated on restaurant tables. As for the eggs, most of the world outside the USA doesn't bother with refrigerating their eggs and just keeps the natural protective coating on the egg.
by YttriumNitrate
Wed Jul 29, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: Mandatory vehicle collision avoidance systems are coming
Replies: 43
Views: 3037

Re: Mandatory vehicle collision avoidance systems are coming

The robotic cars are coming! In 10 years I predict: 1. There will be no more taxi drivers, truck drivers, DMV, or traffic lights/regulations. 2. People won't even own cars anymore (no more car loans or dealerships). All cars will be owned and operated by centralized taxi services. If you want to go...
by YttriumNitrate
Tue Jul 28, 2015 4:00 pm
Forum: Investing - Theory, News & General
Topic: Audit over backdoor Roth
Replies: 9
Views: 1495

Re: Audit over backdoor Roth

In turn, he countered that even if that was so, the IRS more severely scrutinizes taxpayers that have performed a backdoor Roth leading to a higher chance of audit. I'm sure this is true, but correlation is not causation. The IRS follows Willie Sutton's advice and focuses on higher earners in gener...
by YttriumNitrate
Tue Jul 28, 2015 7:11 am
Forum: Personal Consumer Issues
Topic: Major home renovation your thoughts
Replies: 39
Views: 3982

Re: Major home renovation your thoughts

The windows in my house have little spring loaded latches that can be engaged to prevent the windows from being opened more than a few inches. While probably not as effective as metal bars, they certainly look a lot nicer. http://chicagowindowexpert.com/wp-content/uploads/2012/02/nightlatch620.jpg
by YttriumNitrate
Mon Jul 27, 2015 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Auto Insurance
Replies: 63
Views: 3761

Re: Geico Auto Insurance

I know my parents have had GEICO since the time when people thought you had to be a federal government employee (the G and E in GEICO) to buy their insurance. I have never heard them say anything regarding GEICO reimbursing at low rates and having to pay the difference.
by YttriumNitrate
Sun Jul 26, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 13781

Re: Would you look down on a co-worker for driving a beater?

I drive a car that is 12 years old with 225K miles on it. It is starting to rust on the bottom and there is noticeable chipped paint in several locations. I drive lots of miles per year and thought I would drive this car into the ground since there is very little trade in or resale value. My co-wor...
by YttriumNitrate
Sun Jul 26, 2015 12:53 pm
Forum: Investing - Theory, News & General
Topic: Edelman -- best days, worst days
Replies: 26
Views: 2047

Re: Edleman -- best days, worst days

Muchas gracias! But why year 1900? I have to admit that I like data from days when computers where invented and electronic trading firms are in action. In any event, I will do some [more] data mining of my own. Thanks! No real rhyme or reason to 1900 date other than it being a nice round number fro...
by YttriumNitrate
Sun Jul 26, 2015 12:24 pm
Forum: Investing - Theory, News & General
Topic: Edelman -- best days, worst days
Replies: 26
Views: 2047

Re: Edleman -- best days, worst days

Not only are the best days and the worst days close together in time, but they tend to occur when the market is already downtrending. That's because the market tends to be more volatile when it's going down than when it's going up. If fact, a large proportion of the best and worst days have occurre...
by YttriumNitrate
Sun Jul 26, 2015 10:36 am
Forum: Investing - Theory, News & General
Topic: Edelman -- best days, worst days
Replies: 26
Views: 2047

Re: Edleman -- best days, worst days

Having a look at the data used by Edleman , if you were out of the market August and September of 2011 you would have missed the 7 of the worst 14 days, but you would have also missed 5 of the best 14 days. Staying out of the market for the whole last half of 2011, you would have missed 12 of the wo...
by YttriumNitrate
Sat Jul 25, 2015 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much does Property Tax factor in home purchase?
Replies: 36
Views: 2810

Re: How much does Property Tax factor in home purchase?

I'm also looking at buying in the Chicago suburbs and while more expensive houses generally have higher property taxes, the correlation is far from perfect. I certainly am using property tax as a criteria that is factored into the decision. If you're willing to do an hour plus commute by train, the ...
by YttriumNitrate
Sat Jul 25, 2015 12:15 am
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8705

Re: Wedding Receiption

I disagree with all those above who say a cash bar at a wedding as 'cheap.' I've been to a few quality weddings where there was a cash bar - it was fine. One was a pure cash bar, and two other ones gave you 1-2 drink tickets for free drinks and after that it was a cash bar. Nothing tacky about it. ...
by YttriumNitrate
Fri Jul 24, 2015 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for children?
Replies: 23
Views: 1952

Re: Roth IRA for children?

It looks as though if you have twins (or triplets) and live in an area with enough film making, your little ones can earn $126 a day (each) being background scenery in a movie, or $737 a day if they become principle actors...a distinction for newborns that seems to relate to whether or not they are ...
by YttriumNitrate
Thu Jul 23, 2015 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for children?
Replies: 23
Views: 1952

Re: Roth IRA for children?

From time to time, there are threads similar to this one and almost invariably the source of earned income for the kid is modeling of some sort (or thread-locking suggestion of paying a toddler $5000 a year for "chores"). Here is an example thread from a year ago. So taking a step back, as...
by YttriumNitrate
Wed Jul 22, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4908

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

Depending on the health insurance you have, the cost of a breast pump may be fully covered by your insurance. https://www.healthcare.gov/coverage/breast-feeding-benefits/ My wife has insurance through her employer and was provided with a list of fully covered pumps she could choose from.
by YttriumNitrate
Wed Jul 22, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Title Insurance for a new home?
Replies: 21
Views: 1708

Re: Title Insurance for a new home?

The land was owned by someone before the developer bought it and partitioned it.
by YttriumNitrate
Tue Jul 21, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: El Paso into Juarez - Day trip w/ family - Safe and practical?
Replies: 33
Views: 3121

Re: El Paso into Juarez - Day trip w/ family - Safe and practical?

About a decade ago I did something similar while visiting San Diego. During the middle of the day, I walked over into Tijuana, stayed for about an hour or two, and then left. The whole area seemed pretty grimy and two hours was more than enough for me. If I was in your situation, my basic plan would...
by YttriumNitrate
Fri Jul 17, 2015 12:17 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4908

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

Congrats! My first little one is now three months old, so I had similar questions not that long ago. As others have pointed out, you'll probably get most of this stuff through showers and gifts from relatives. My number one thing that I was hesitant about getting, but now absolutely love is good pad...
by YttriumNitrate
Thu Jul 16, 2015 10:53 am
Forum: Personal Consumer Issues
Topic: Music player while exercising
Replies: 32
Views: 1841

Re: Music player while exercising

A few years ago, I bought a used Sana e250 for about $20 on Amazon or Ebay and use it when I'm out gardening, hacking at weeds, etc. I believe the e250 is a generation or two older than the Sansa Clip. While I've dropped the player on the ground more times than I can remember, and have burned throug...
by YttriumNitrate
Mon Jul 13, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's lining up to be the next big bubble?
Replies: 34
Views: 2950

Re: What's lining up to be the next big bubble?

It's not a "big" bubble, but I would expect muscle cars from the 60s and early 70s to increase in value for the next few years as retiring boomers drive up the price, and then fall as these cars are passed on to their kids who have no emotional attachment to them. http://fm.cnbc.com/applic...
by YttriumNitrate
Mon Jul 13, 2015 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Loan Payments vs. Retirement/Saving
Replies: 5
Views: 683

Re: Loan Payments vs. Retirement/Saving

Bubba, what state are you in? Some states have good tax advantages for 529 plans while others do not.
by YttriumNitrate
Fri Jul 10, 2015 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Commuting vs. weekday widowing
Replies: 27
Views: 2515

Re: Commuting vs. weekday widowing

For 18 months I had a 90 minute door-to-door commute by car. 18 months was as long as I could stand it. While I tried to make use of the time (learning Mandarin, audio books, etc.) a long commute just wore me down. Spending 3 hours each day commuting also impacted my health and I ended up gaining 15...
by YttriumNitrate
Fri Jul 10, 2015 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Pulling equity out of home to invest?
Replies: 71
Views: 5295

Re: Pulling equity out of home to invest?

It seems to me that pulling equity out of your house falls somewhere on a very wide swath of the good/bad idea spectrum. On one end of the spectrum, you have someone with maxed out credit cards, no assets besides their house, and is planning on investing their home equity loan on the roulette wheel ...

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