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Re: About to Order my first Mini Cooper S

At least on my wife's Subaru it has the automatic transmission with a pseudo manual option, but the Subaru engineers idiot proofed all the fun out of it. By golly, if I want the engine to be running at 7000 RPM while going 30 MPH I should be able to shift into a gear for that.
by YttriumNitrate
Wed Aug 20, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: About to Order my first Mini Cooper S
Replies: 19
Views: 1136

Re: About to Order my first Mini Cooper S

(1) If I am buying a mini cooper and my preference is a manual transmission will selling it down the road be more difficult because nobody seems to drive manual anymore? Just a guess, but I'd say it depends. In the near term, you are decreasing the pool of potential buyers. However, if you keep the...
by YttriumNitrate
Tue Aug 19, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: About to Order my first Mini Cooper S
Replies: 19
Views: 1136

Re: In-Law Financial Issues (long)

The OP isn't saying that he doesn't want them spending now because it will reduce his wife's inheritance. He is saying that every dollar they spend now is another dollar that him and his wife will likely have to spend supporting them later. I'm pretty sure Awval999's comment was in jest to drive ho...
by YttriumNitrate
Mon Aug 18, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4055

Re: Retirement luxury vehicle

I like posting this Scotty Kilmer video anytime someone posts about buying a used Mercedes:

Why Not To Buy A Mercedes
by YttriumNitrate
Mon Aug 18, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4342

Re: Berkshire Hathaway A's about to hit $200k/pps

Not that it really matters, but A shares have better voting rights per dollar.
by YttriumNitrate
Thu Aug 14, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Berkshire Hathaway A's about to hit $200k/pps
Replies: 42
Views: 2666

Re: How much life insurance? 29 year olds

How boglehead-ish are you with your savings rate? I was thinking about going with the 30 year term instead of the 20 year term until I realized that if I make it another 20 years the amount I'm getting insured for will likely be chump change.
by YttriumNitrate
Wed Aug 13, 2014 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance? 29 year olds
Replies: 16
Views: 1407

Re: Selling Stock for Down Payment on a House

Google Finance's chart says there were two splits that have happened (2:1 in September of 1997 and 2:1 June of 2004) for P&G since September of 1993. Their charts also say the split adjusted share price back in September 1993 was $12. So, if you have 1,000 shares at $81 today, you have a gain of...
by YttriumNitrate
Wed Aug 13, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling Stock for Down Payment on a House
Replies: 5
Views: 524

Re: Motorcycle for short commute?

My commute is about ten minutes drive or a half hour walk and doesn't involve any highway driving. The walk has become somewhat impractical though, as temperatures in my area are regularly above 100 degrees every day right now. Deodorant can only do so much...So I wanted to hear your thoughts, woul...
by YttriumNitrate
Tue Aug 12, 2014 7:14 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 50
Views: 2814

Re: Renting forever: financial suicide?

San Francisco's price-to-rent ratio is now at 30-1. By comparison, Chicago and New York are at 16-1 and 15-1, respectively. A better question might be whether or not it would be financial suicide to extend yourself to buy a house in that market.
by YttriumNitrate
Mon Aug 11, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 90
Views: 9426

Re: Carry on Luggage Restrictions

Another two suggestions would be: 1. Even if you don't have a laptop, go to Goodwill and buy the largest laptop bag you can find to act as your "personal item" the airlines don't check to see if there is a computer or underwear in that bag. 2. Baggage has a typically has a weight limit whi...
by YttriumNitrate
Sun Aug 10, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Carry on Luggage Restrictions
Replies: 24
Views: 1592

Re: The Worst Investment You Can Make: Buying a Home

Rainier wrote:Pretty sure having kids is far worse. Who is going to write that article?

I believe the answer is: Deirdre McMurdy
Kidonomics: Why kids are the worst investment ever
by YttriumNitrate
Fri Aug 08, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 84
Views: 8927

Re: What is "risk on, risk off" supposed to mean? Is it real

I'm pretty sure it has to do with fighting the Cobra Kai.

Image

That, or a situation where risk tolerance changes cause investors to shift from more risky investments to less risky ones, or vice versa.
by YttriumNitrate
Fri Aug 08, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: What is "risk on, risk off" supposed to mean? Is it real?
Replies: 7
Views: 639

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

I use wood chips. In addition to often getting free chips delivered right to my door from tree trimming companies, they are much coarser than commercial mulch so it takes longer for them to break down.
by YttriumNitrate
Fri Aug 08, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1631

Re: Marriage: Is it tax-friendly?

It looks like there have been several laws recently that have exacerbated the marriage penalty for high earners. Forbes Article In addition to income taxes, there can be other taxes hits for being married. For example, in Indiana a married couple living apart is only able to take one homestead exemp...
by YttriumNitrate
Wed Aug 06, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage: Is it tax-friendly?
Replies: 50
Views: 2396

Re: Eating while travelling

would you be surprised if a four-person (father, mother and two kids) family spends an average of $40 or so per meal (across three meals a day) when on vacation? Or would you budget food tighter? Thankfully, we did not average this for the duration of our vacation, but we did approach it for the da...
by YttriumNitrate
Tue Aug 05, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Eating while travelling [Food Budget]
Replies: 26
Views: 2057

Re: HELP! Budget Out of Control

His Life Ins $189 Her Life Ins $104 At 32 years old, it looks like you two were sold crummy whole life insurance policies, or are worth a heck of a lot more dead than alive. Get some term life insurance and then cancel the whole life plan. EDIT: Just ran a quick check, 32 year old non-smoker can ge...
by YttriumNitrate
Mon Aug 04, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3577

Re: Term Life Insurance

I'm also in the process of doing the medical tests for term life. From what I recall, there was some question in the interview process that when something like "In the past three years have you had any medical tests indicating high blood pressure, high cholesterol, etc."
by YttriumNitrate
Mon Aug 04, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance
Replies: 12
Views: 982

Re: Cool Iceland - world's hottest stock market

Shows the hazards of chasing performance. It also also shows that just because something is a nationwide ETF does not mean it is diversified. Just as a point of comparison, the population of Iceland is roughly equal to the number of employees of General Electric...and half the population of today's...
by YttriumNitrate
Sun Aug 03, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Cool Iceland - world's hottest stock market
Replies: 8
Views: 1111

Re: ? Best simple reference to dissuade a day trader

As others have pointed out, you won't succeed in convincing someone that thinks they have a winning system. The best you can hope for is to convince them to take some of their winnings off the table as they are on the way up, and hope they don't raid those funds on the way down. Something with a hig...
by YttriumNitrate
Fri Aug 01, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: ? Best simple reference to dissuade a day trader
Replies: 67
Views: 4235

Re: Dave Ramsey still defending 12% and still angry at "nerd

Dave Ramsey apparently still gets very angry when questioned about his “12%” assertions, even in mid-2014. For one, he’s wrong, so I don’t see why he is sticking to his guns about 12%. I realize that the subject of Dave Ramsey has been beaten to death here on Bogleheads. But it’s interesting that h...
by YttriumNitrate
Thu Jul 31, 2014 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22314

Re: How old are you?

Based on the 2014 Boglehead Net Worth Survey , the results should look a little something like this: <21 0.1% 21-25 2.7% 26-30 11.3% 31-35 12.1% 36-40 11.1% 41-45 10.4% 46-50 8.6% 51-55 11.6% 56-60 11.5% 61-65 9.6% 66-70 6.4% 71-75 2.8% 76-80 1.1% 81-85 0.5% 86+ 0.0%
by YttriumNitrate
Wed Jul 30, 2014 7:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6470

Re: Possibility of getting sued - what steps to take

Suing a fellow member of a yacht club for your own drunken negligence would be a good way to get ostracized by the other members of the social club...so I would be less worried than if a random drunkard had stopped by and done something stupid.
by YttriumNitrate
Wed Jul 30, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Possibility of getting sued - what steps to take
Replies: 25
Views: 3919

Re: Stocks: losing money for 20-30 years not uncommon

Some country returns are heavily influenced by one or two very unusual periods. World War II as one example, and in the U.S., the twenty year period from 1980-2000. What would the U.S. long term data look like without this remarkable period? I wonder how this chart would look if the title was "...
by YttriumNitrate
Wed Jul 30, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 43
Views: 4262

Re: Gardening 2014 mid summer update

Here in northwest Indiana, the fruit trees are growing well...the fruit itself not so much. The abundance of rain has the trees putting on a lot of growth, but the cold winter killed many of the fruit buds while the fruit that survived is so-so in part due to the cool weather we've been having. On t...
by YttriumNitrate
Wed Jul 30, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Gardening 2014 mid summer update
Replies: 8
Views: 613

Re: 401(k) contributions

I believe you can contribute up to 80% of your salary to the 401(k), drop your take home pay to almost zero, and live off your savings until 2015. You can also contribute $5500 to a Roth IRA.
by YttriumNitrate
Mon Jul 28, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) contributions
Replies: 11
Views: 733

Re: Bathroom remodel, cost per square foot

I recently paid $206 a square foot for a new car. :D I few years ago I did a relatively minor bathroom upgrade with new electrical/water fixtures, a new window, and updated walls. Even ignoring the price of labor, the about of variability in materials is huge. For example, the cheapest sink faucets ...
by YttriumNitrate
Mon Jul 28, 2014 7:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Bathroom remodel, cost per square foot
Replies: 17
Views: 1586

Re: Reducing picture file size in kb

There's a bit of a learning curve, but one of the best free image editing software packages is Gimp.
by YttriumNitrate
Sat Jul 26, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing picture file size in kb
Replies: 14
Views: 634

Re: advise for 24 y/o who just bought Index Universal Life

Google: "Don't buy life insurance from a friend" Interesting results: http://lmgtfy.com/?q=%22Don%27t+buy+life+insurance+from+a+friend%22 Goodness, is there some Booglehead in Mountain View, CA who makes sure all Boglehead posts are indexed by GoogleBot within 5 millisecond of them being ...
by YttriumNitrate
Fri Jul 25, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: advise for 24 y/o who just bought Index Universal Life
Replies: 15
Views: 1152

Re: 500K Sitting in a Bank Account

The way I read this is your grandfather left about 6 years worth of nursing home expenses for your grandmother in a bank account. The average life expectancy of a 90 year old is around 5 years. I'd suggest A) splitting the funds into separate accounts for the FDIC insurance and B) looking for bank a...
by YttriumNitrate
Thu Jul 24, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500K Sitting in a Bank Account
Replies: 17
Views: 1610

Re: How much energy does water heater use when I'm not home?

My condo has an electric water heater. I've always shut off the circuit breaker when I go on vacation (typically a week or two) in order to save on electricity when I'm not there. Don't do this in winter if outside temperature could drop below freezing whilst you are away. This makes no sense as th...
by YttriumNitrate
Mon Jul 21, 2014 7:29 am
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2768

Re: how often do you look at your account

I'd say twice a month. Once a month I log into the Fidelity site to pay off my Fidelity Amex card and typically once a month I log in to invest my monthly allotment. I guess there's also a few once a year log ins like the downloading of tax forms and the transferring of taxable funds into the Roth I...
by YttriumNitrate
Sun Jul 20, 2014 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3654

Re: How much energy does water heater use when I'm not home?

Are you talking about the breaker in the water heater or in your main condo/house box? A 30 amp circuit breaker in your main box is all of about $6 ($6.44 at Menards not on sale now), and they are easy to swap out when they go bad. Also, instead of completely turning off your water heater you could ...
by YttriumNitrate
Fri Jul 18, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2768

Re: Cash out pension?

I think he's using the 4% real growth rate that he could potentially gain if he took the $101k lump sum and invested it today. Yes, but a 0% annual real growth with 10% annual inflation gets him to the same final ratio for the two options as 10% real growth with 0% inflation since he is comparing t...
by YttriumNitrate
Fri Jul 18, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash out pension?
Replies: 30
Views: 1678

Re: Cash out pension?

Pension payout in 2039 at age 62 would be 822/mo for SL - no survivor benefit. This IS NOT inflation adjusted I.e. The 822 will be worth A LOT less in 2039... By my basic calculations, at 4% real growth rate... I don't get why you are using a "real" growth rate when comparing to something...
by YttriumNitrate
Fri Jul 18, 2014 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash out pension?
Replies: 30
Views: 1678

Re: Buy a condo for college?

Do your boys want to live with each other in college? Also, do you plan to rent out the other room(s) to other college students?
by YttriumNitrate
Fri Jul 18, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2517

Re: Newbie whole life insurance policy question

Thank you for helping me with that! So, just to clarify, even if I will be self-employed making around 200k in a couple of years, WL is still not a good option for me correct? That is correct. When you have the need (wife/kids), buy a million+ of term life and don't forget disability insurance too.
by YttriumNitrate
Wed Jul 16, 2014 7:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie whole life insurance policy question
Replies: 30
Views: 2395

Re: Newbie whole life insurance policy question

This is his reply to me, I post it just to know how to respond to his questions. I likely won't meet in person with him about this as I'm not well informed enough to go toe to toe with him lol. If you folks wouldn't mind taking a look at it I would be extremely grateful! As others have pointed out,...
by YttriumNitrate
Wed Jul 16, 2014 7:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie whole life insurance policy question
Replies: 30
Views: 2395

Re: Bet it ALL on Small Cap Value when you're young

Why not bet it all on 3X leveraged small cap value? Why not 10X leveraged frontier markets small cap value? Simple, the 3x leveraged portfolios are based on 3x movement for a single day, which eventually destroys the value because 10% down followed by 10% up doesn't get you back to where you starte...
by YttriumNitrate
Tue Jul 15, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Bet it ALL on Small Cap Value when you're young
Replies: 64
Views: 6343

Re: Safe withdrawal rate > 4% if no heirs & ok to deplete ca

For most years a higher rate than 4% would have survived, but 4% squeaked through in even the worst year, hence the term "safe" being attached to it. We don't know future market results will resemble the past 90 or so years, therefore unless you have good reason to believe you will die we...
by YttriumNitrate
Sun Jul 13, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate > 4% if no heirs & ok to deplete captl?
Replies: 32
Views: 3127

Re: Ditch car and commute to work in 250cc scooter in Raleig

Would love to ditch the car and rid myself of excessive gas prices, high insurance, maintenance costs, etc. Just a money pit, even for a low-end compact car. 250 cc scooters average about 50 to 60 mpg, which while very good is not all that different from subcompacts or a Prius. Also, while scooters...
by YttriumNitrate
Sat Jul 12, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 79
Views: 6570

Re: home seller wants to rent,home insurance challenge

Are you going to have a new rental agreement with the current tenants for the 56 days until they move out? What happens if the renters trash the place in the two months you are their landlord?
by YttriumNitrate
Fri Jul 11, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: home seller wants to rent,home insurance challenge
Replies: 10
Views: 1375

Re: Which are the best Chinese ETF's?

Well, for high risk China I like HAO to satisfy my Chinese and Small cap tilting all in one nice package. It's also got a "good" ticker symbol. :D

For more diversification, try GXC.
by YttriumNitrate
Thu Jul 10, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which are the best Chinese ETF's?
Replies: 13
Views: 557

Re: 529 plan...with parent as beneficiary?

As more and more people use 529 plans, more and more people will have money left over after their kids finish college. I'm certain there will be a few enterprising "universities" that will come up with fun ways for parents to blow the remaining money in their 529 plans...
by YttriumNitrate
Wed Jul 09, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plan...with parent as beneficiary?
Replies: 15
Views: 996

Re: Take the money and run? (Pension Buyout Offer)

I was thinking of a more or less typical stock bond split, say roughly 60/40, which might normally have a nominal return of 8%. 60/40 does seem a bit conservative for the time periods we're talking about. Just as a point of reference, the Vanguard 2040 fund (set for retirement 26 years from now) is...
by YttriumNitrate
Wed Jul 09, 2014 7:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Take the money and run? (Pension Buyout Offer)
Replies: 15
Views: 2053

Re: Take the money and run? (Pension Buyout Offer)

Rodc wrote:I suspect 8% could be a little optimistic, in which case $20K is a little light, but it is money in hand.

Interesting, since we're talking about non-inflation adjusted returns I was thinking 8% was a little pessimistic for aggressive 30 year time frame investing.
by YttriumNitrate
Tue Jul 08, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take the money and run? (Pension Buyout Offer)
Replies: 15
Views: 2053

Re: Car did not start: To dispose? How?

If you don't want to wait for AAA to show up for the jump start, just pull out the battery from your car and have a friend take you to the nearest AutoZone. They'll test and fully charge your battery for free.
by YttriumNitrate
Mon Jul 07, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5590

Re: Easy careers to last me to retirement?

Instead of looking to increase income, have you thought about just decreasing expenses and retiring to some place in the world with a low cost of living?
by YttriumNitrate
Sun Jul 06, 2014 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13959

Re: Time to buy a tv or wait 2 years?

One key thing to remember about TVs is "one minute of one degree" which is roughly the resolution of the human eye. Sure 4K TVs look great in the store where you're standing close up to them, but that's not the way most people watch TV. From what I recall, I need to be closer than 11 or so...
by YttriumNitrate
Thu Jul 03, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5868

Re: Improving my credit score

Will you need a conforming loan or a Jumbo loan? At least for Fifth Third, the mortgage rates for conforming loans don't get any better once you hit 740, which likely would happen with just time. https://www.53.com/wholesale-mortgage/wholesale-rate-sheets.html If you plan on getting a Jumbo loan, an...
by YttriumNitrate
Tue Jul 01, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Improving my credit score
Replies: 34
Views: 1967

Re: Improving my credit score

Why are you worried about your credit score? Are you planning on buying a house sometime? If so, how far in the future will that purchase be made?
by YttriumNitrate
Tue Jul 01, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Improving my credit score
Replies: 34
Views: 1967
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