Search found 753 matches

by YttriumNitrate
Tue Jun 30, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Elderly father got snookered.
Replies: 28
Views: 3373

Re: Help! Elderly father got snookered.

Often when an older person is snookered by a "reputable" organization, the words "whole life" or "annuity" are used. So far I have not seen those words in this thread.
by YttriumNitrate
Tue Jun 30, 2015 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Very Low Volume - Should I Avoid These ETFs?
Replies: 10
Views: 700

Re: Very Low Volume - Should I Avoid These ETFs?

It depends. Volume and liquidity are important for short term trading, but if you are planning on holding these for the next 20 years then tax efficiency and expense ratio would be much higher on my list of priorities when picking an ETF.
by YttriumNitrate
Sun Jun 28, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's your net worth break down? What's ideal?
Replies: 44
Views: 6231

Re: What's your net worth break down? What's ideal?

I think my ideal would be:

99.99% stock investments
0.01% everything else

Of course, the key part of making this allocation ideal would be that the 0.01% would still be quite a large number while the 99.99% is a ludicrously large number like 350,000 shares of Berkshire Hathaway.
by YttriumNitrate
Sat Jun 27, 2015 10:05 am
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4363

Re: are these legit Vanguard reviews?

They are probably reviews from real people. But, my experience has been that a certain small percentage of people will always be a royal pain and will complain loudly even when companies go above and beyond to try and accommodate their insane ways. I would look for reviews on websites that are more ...
by YttriumNitrate
Sat Jun 27, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 49
Views: 3613

Re: Smart phone data usage

I have an android smart phone while my wife has an iPhone. We have WiFi at both home and work. Primarily, we use cell data for checking maps, traffic, email, weather, and Facebook when on the go. We don't stream music or videos while using cell data. I checked our bills, and here is our combined mon...
by YttriumNitrate
Fri Jun 26, 2015 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Made outsize returns in a short period of time: what am I doing wrong?
Replies: 34
Views: 4530

Re: Made outsize returns in a short period of time: what am I doing wrong?

That said, do you have links to other threads on this forum where people come in bragging about their outsize returns, only to be shown up a couple of years later in penury? I'm sure that must happen all the time, and I would like those threads to both entertain and educate me, just as this thread ...
by YttriumNitrate
Wed Jun 24, 2015 2:05 pm
Forum: Personal Consumer Issues
Topic: Most Economical Way to Handle the Lawn
Replies: 71
Views: 6417

Re: Most Economical Way to Handle the Lawn

Before deciding on what equipment and/or lawn service to buy/use, you should really decide what you want your yard to look like. If you're going for a perfectly manicured lawn that is cut several times a week, a riding mower might be a good idea. If you don't mind a shaggy lawn from time to time, th...
by YttriumNitrate
Tue Jun 23, 2015 7:15 am
Forum: Personal Consumer Issues
Topic: Wedding dress in Hawaii
Replies: 14
Views: 1225

Re: Wedding dress in Hawaii

My guess would be that your future daughter-in-law is best person to ask regarding the attire to be worn by the father of the groom.
by YttriumNitrate
Mon Jun 22, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Made outsize returns in a short period of time: what am I doing wrong?
Replies: 34
Views: 4530

Re: Made outsize returns in a short period of time: what am I doing wrong?

I for one fully encourage Inst. to keep going. If his luck holds out, he will be off to a great start on the road to financial independence. If his luck fails him, he will learn a valuable lesson.
by YttriumNitrate
Sun Jun 21, 2015 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestion for toddler
Replies: 45
Views: 4114

Re: Portfolio suggestion for toddler

Do you expect to qualify for financial aid 15 years from now? In the FAFSA calculation, student assets decrease your aid by almost 4 times as much as parental assets.
by YttriumNitrate
Sat Jun 20, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: Backyard conundrum
Replies: 61
Views: 9179

Re: Backyard conundrum

Attracting bees usually isn't a problem. Attracting wasps is a problem as the following graphic shows.

Image
by YttriumNitrate
Tue Jun 16, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Wedding Receiption
Replies: 38
Views: 4191

Re: Wedding Receiption

So your reception already is going to have an open bar for wine, beer, White Russians, and Tequila Sunrises.* Sounds good to me, I probably wouldn't even give people the option buy other drinks...in fact, the money would be better spent on a shuttle to and from the hotel for the guests who want to o...
by YttriumNitrate
Sun Jun 14, 2015 7:52 am
Forum: Personal Consumer Issues
Topic: Best place to purchase a summer hat
Replies: 26
Views: 2803

Re: Best place to purchase a summer hat

When working out in my orchard on hot summer days, an Asian conical hat is my hat of choice. Some of them have a weave that slightly lifts the hat off your head for great airflow, and since they are made of bamboo washing them after a day of weed wacking is as simple as spraying them with a garden h...
by YttriumNitrate
Fri Jun 12, 2015 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: How risky is trading VIX?
Replies: 2
Views: 380

Re: How risky is trading VIX?

Well, the ETFs like VIXY that track the VIX have lost somewhere on the order of 95% of their value in the last few years, so there is that risk. To really ramp up the fun you can use a 2x tracker like TVIX that has lost closer to 99% of its value over the same time period.
by YttriumNitrate
Mon Jun 08, 2015 7:20 pm
Forum: Personal Consumer Issues
Topic: Boglehead flea treatment?
Replies: 39
Views: 2371

Re: Boglehead flea treatment?

[Recommendation to use an agricultural product not intended for pets (undiluted Termiticide / Insecticide) removed by admin LadyGeek] If we are "extend[ing] the courtesy to our pets" then this whole thread is asking for "incomplete unqualified medical advice in an anonymous internet ...
by YttriumNitrate
Mon Jun 08, 2015 6:17 pm
Forum: Personal Consumer Issues
Topic: Boglehead flea treatment?
Replies: 39
Views: 2371

Re: Boglehead flea treatment?

[Recommendation to use an agricultural product not intended for pets (undiluted Termiticide / Insecticide) removed by admin LadyGeek]
by YttriumNitrate
Mon Jun 08, 2015 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any merchants that accept only Amex?
Replies: 25
Views: 2282

Re: Are there any merchants that accept only Amex?

The big one was XXXXXX for a long time, but times they are a changing.
by YttriumNitrate
Sun Jun 07, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: lump sum divorce settlement
Replies: 31
Views: 4041

Re: lump sum divorce settlement

Some of Dave Ramsey's advice is sub-par, but his "XXXXXXXXXXXXXXX" advice after a windfall when a spouse leaves/dies is spot on in my opinion.
by YttriumNitrate
Fri Jun 05, 2015 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Big Decision to Make
Replies: 55
Views: 7238

Re: Big Decision to Make

retiredjg wrote:Never have to work again? I don't think that $1.1 million will sustain a 30-something couple for the rest of their lives, especially when kids come into the picture. It would certainly put them in a position to have a very nice nest egg though.

A lot depends on where "home" is.
by YttriumNitrate
Wed Jun 03, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 2697

Re: Canadian money

XXXXXXXXXXX. There were a good number of US license plates along the Al-can highway, so the Canadian businesses have adapted to the tourists.
by YttriumNitrate
Mon Jun 01, 2015 8:44 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6136

Re: Which grocery stores do you shop at and why?

I'm at about 80% XXXXXXXXXXXXX.
by YttriumNitrate
Thu May 28, 2015 7:03 pm
Forum: Investing - Theory, News & General
Topic: How Do Young Tech Billionaires Invest
Replies: 2
Views: 794

Re: How Do Young Tech Billionaires Invest

Why would you expect people who concentrated their investments into a single company (and did well) to suddenly change their stripes when they sell their companies?
by YttriumNitrate
Thu May 28, 2015 3:28 pm
Forum: Personal Consumer Issues
Topic: 0% financing on auto loans
Replies: 4
Views: 672

Re: 0% financing on auto loans

Playing around with Truecar.com, it looks like you get to choose between the "Toyota Special Financing" and the $500 "Factory Cash Back" for a Corolla.

I'd rather pay $500 less.
https://www.truecar.com/prices-new/toyota/corolla-pricing/
by YttriumNitrate
Wed May 27, 2015 10:48 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7260

Re: Once in a life time trip.

JFKtoSFO wrote:Agreed all around. You can also take an 8 year old on a 4 day raft trip in the lower part of the Grand Canyon - gorgeous AND fun!
by YttriumNitrate
Tue May 26, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7260

Re: Once in a life time trip.

From my perspective, 8 years old is a great age for a first trip to Disney.
by YttriumNitrate
Tue May 26, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7260

Re: Once in a life time trip.

sharpjm wrote:Antarctica or North Korea

Wow, I'm not sure which would be worse with two eight year olds.
by YttriumNitrate
Sat May 23, 2015 6:52 am
Forum: Investing - Help with Personal Investments
Topic: 529 before conceiving a child?
Replies: 12
Views: 843

Re: 529 before conceiving a child?

My little one had a 529 plan about four years before he was born.
by YttriumNitrate
Sat May 16, 2015 9:00 am
Forum: Investing - Theory, News & General
Topic: The upside of living longer
Replies: 11
Views: 2363

Re: The upside of living longer

It also seems to me that the further you get into retirement.
by YttriumNitrate
Sat May 16, 2015 8:50 am
Forum: Investing - Theory, News & General
Topic: The BIG problem with the S&P 500 index?
Replies: 37
Views: 6203

Re: The BIG problem with the S&P 500 index?

Archie Sinclair wrote:Moreover, movements in these indicators are expressed in "points," such as "down 500 points." What's wrong with percentages?

If it bleeds, it leads. If you were a reporter.
by YttriumNitrate
Fri May 15, 2015 6:31 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 193
Views: 13118

Re: Aren't we overdoing electronic auto safety features?

It definitely does seem as though there are diminishing returns on safety features and we are well past the point where the greatest safety hazard is the person sitting behind the steering wheel.
by YttriumNitrate
Fri May 15, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Roof Replacement, upgrade or not?
Replies: 15
Views: 1265

Re: Roof Replacement, upgrade or not?

Really, it depends on how much extra the fancier roof will be.
by YttriumNitrate
Thu May 14, 2015 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Employer Contribution 60%?
Replies: 29
Views: 1273

Re: Employer Contribution 60%?

Match 60% of the first X dollars perhaps.
by YttriumNitrate
Tue May 12, 2015 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plans- Are they part of your overall A.A?
Replies: 22
Views: 1247

Re: 529 plans- Are they part of your overall A.A?

For me, each goal gets its own asset allocation. However, since my kid is still in diapers the 529 asset allocation and the retirement fund asset allocation are just about the same.
by YttriumNitrate
Sun May 10, 2015 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Lecture me about "too much house"
Replies: 49
Views: 5711

Re: Lecture me about "too much house"

I'm a proponent of buying a house that you suites your needs.
by YttriumNitrate
Sat May 09, 2015 6:16 pm
Forum: Investing - Theory, News & General
Topic: "Should We Teach Teenagers to Trade?"
Replies: 30
Views: 2323

Re: "Should We Teach Teenagers to Trade?"

I think it's a great idea.
by YttriumNitrate
Sat May 09, 2015 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Graduate school 529 plan
Replies: 8
Views: 661

Re: Graduate school 529 plan

529 plans are funded with after tax dollars.
by YttriumNitrate
Sat May 09, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: NYT: 2% rebate credit cards; will they last?
Replies: 30
Views: 3723

Re: NYT: 2% rebate credit cards; will they last?

I do certainly enjoy putting reimbursable business expenses on my 2% back card.
by YttriumNitrate
Mon May 04, 2015 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Too much credit?
Replies: 10
Views: 812

Re: Too much credit?

While I doubt having too much credit has much if any impact on the black box used to calculate credit scores, another question would be "Does it Matter?"
by YttriumNitrate
Mon Apr 27, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 6367

Re: Been invited to wedding in Disney World. My cost?

Most of my relatives are a plane ride away, so I actually prefer when they have destination weddings rather than "at home" weddings. If I'm going to get on a plane, I would much rather be heading to Oahu or Disney World than Rochester, NY. :D
by YttriumNitrate
Fri Apr 10, 2015 7:18 pm
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 17330

Re: The $1 Million Goal: Source of Motivation or Discouragem

Boy, this question sure did spark some comments.
by YttriumNitrate
Wed Mar 04, 2015 7:54 pm
Forum: Personal Consumer Issues
Topic: New Homeowner Gift
Replies: 31
Views: 1978

Re: New Homeowner Gift

I was talking to my wife the other day and told her that the next time someone I know buys a house for the first time I am getting them a 25 foot drain auger. It's about as unsexy of a gift as you can possibly get, but when you're in deep shi...er, when the sh@# hits the fan it's the one thing every...
by YttriumNitrate
Wed Sep 17, 2014 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Adj Complife (whole life ins) advice
Replies: 10
Views: 850

Re: Adj Complife (whole life ins) advice

Just doing a 30 second search over at Zander.com, $818/yr is about what it costs for a $1.5 million 20-year term policy on a 41 year old non-smoking lady in good health.
by YttriumNitrate
Tue Sep 16, 2014 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Self-insurance option for auto insurance in TX (601.122)
Replies: 12
Views: 1021

Re: Self-insurance option for auto insurance in TX (601.122)

A person under this statue is defined to include corporations.
by YttriumNitrate
Tue Sep 16, 2014 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Low down payment and invest or big down payment?
Replies: 7
Views: 1170

Re: Low down payment and invest or big down payment?

I'm in the camp that favors investing instead of paying off a mortgage early.
by YttriumNitrate
Tue Sep 16, 2014 1:01 pm
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 17289

Re: What evidence would prove the Boglehead mentality wrong?

A giant meteor heading towards the earth would generally prove the Boglehead mentality wrong.
by YttriumNitrate
Mon Sep 15, 2014 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Young Guy, Probably Not Going To Live A Long Time
Replies: 30
Views: 4491

Re: Young Guy, Probably Not Going To Live A Long Time

Do you plan on blowing this money before you go, or are you hoping to leave it for someone?
by YttriumNitrate
Sat Sep 13, 2014 9:15 am
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6941

Re: Why do so many think their home is a foolproof investmen

Until the rise of cash-out refinancing / interest only loans, homes were often good investments simply because they forced people to save a bit every month.
by YttriumNitrate
Fri Sep 12, 2014 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Electronic rent payments
Replies: 15
Views: 1503

Re: Electronic rent payments

I used to have it set up so that every month a check would automatically be mailed to my roommate.
by YttriumNitrate
Thu Sep 11, 2014 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 3122

Re: Calculated Spending: Cars

My general thought is to drive a car that you don't want or need comprehensive insurance.

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