Search found 786 matches

by YttriumNitrate
Fri Jul 31, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a franchise
Replies: 27
Views: 2445

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: 18
Views: 829

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: 18
Views: 829

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: 2709

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: 1424

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: 32
Views: 2947

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: 3605

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: 172
Views: 10619

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: 1968

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: 1968

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: 1968

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: 2568

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: 8524

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: 1899

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: 1899

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: 4528

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: 1662

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: 32
Views: 2777

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: 4528

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: 1783

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: 2863

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: 672

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: 2473

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: 4939

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 ...
by YttriumNitrate
Wed Jul 08, 2015 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: How much to save?
Replies: 42
Views: 5245

Re: How much to save?

This thread kind of reminds me of discussions on tithing....is it 10% gross or net? Does investment income get tithed as well? Does appreciation of assets get tithed? As Grogs pointed out, I wouldn't get too concerned with the exact number...especially considering the number only has one significant...
by YttriumNitrate
Mon Jul 06, 2015 8:06 am
Forum: Personal Finance (Not Investing)
Topic: 22 years old want to do rental properties
Replies: 35
Views: 3700

Re: 22 years old want to do rental properties

At 22, a good way to ease into rentals is to rent out a room or two in a house you live in to friends. Since you're living in the house, it's less likely to be totally trashed, but you'll still get a good taste of the issues you'll have to deal as a landlord. Also, owner occupied properties get favo...
by YttriumNitrate
Sun Jul 05, 2015 8:34 am
Forum: Investing - Help with Personal Investments
Topic: When to invest in tillable land?
Replies: 8
Views: 832

Re: When to invest in tillable land?

Do you expect to use this land for any non-economic benefit? For example, would this land be your new hunting spot?

EDIT: Based on Drewman's previous posts, it looks like the farmland is in Ohio.
Image
by YttriumNitrate
Thu Jul 02, 2015 10:34 am
Forum: Personal Finance (Not Investing)
Topic: When to start a 529 Plan
Replies: 11
Views: 1392

Re: When to start a 529 Plan

I would start when you have a child and not before. As others have said max out retirement first. I believe college tuition rates are in a bubble and at some point it will pop and we will see a drop just like the housing market. You have no idea if kids will actually goto college. I have one who is...
by YttriumNitrate
Thu Jul 02, 2015 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Help! Elderly father got snookered.
Replies: 36
Views: 6350

Re: Help! Elderly father got snookered.

He ended up in two Franklin Templeton mutual funds that are mostly stocks, which are inappropriate at his age. The question for me is not whether to extricate him from this situation but how to do so while minimizing costs. I want to transfer him to a Vanguard bond fund, but I'm afraid he'll get hi...
by YttriumNitrate
Thu Jul 02, 2015 7:09 am
Forum: Personal Finance (Not Investing)
Topic: When to start a 529 Plan
Replies: 11
Views: 1392

Re: When to start a 529 Plan

Unless you happen to live in a state with smoking hot tax benefits for 529s, a 401k / IRA is better to begin with. For example, in the FAFSA financial aid calculation, the assets you have in a 529 are counted against your financial aid, while assets in a Roth IRA are not. If needed, you can withdraw...
by YttriumNitrate
Thu Jul 02, 2015 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Solar panel investment - financially worth it?
Replies: 39
Views: 4815

Re: Solar panel investment - financially worth it?

Does the $18k setup include the cost of switching over your gas furnace, water heater, or appliances that use $50 of gas a month?
by YttriumNitrate
Wed Jul 01, 2015 7:45 pm
Forum: Personal Consumer Issues
Topic: Quebec City Suggestions
Replies: 14
Views: 1256

Re: Quebec City Suggestions

My suggestion would be to bone up on your French. You don't actually need to be fluent, or even conversant, but just being able to make the attempt to speak French seems to go a long way. About 10 years ago, myself and two lab mates went to a conference in Quebec city. I had taken (and mostly forgot...
by YttriumNitrate
Tue Jun 30, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Elderly father got snookered.
Replies: 36
Views: 6350

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: 15
Views: 2020

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: 6822

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: 4940

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: 54
Views: 5625

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: 4910

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: 84
Views: 8189

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: 16
Views: 1572

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: 4910

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: 51
Views: 4985

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: 63
Views: 10105

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 Reception
Replies: 68
Views: 8524

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: 2942

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: 405

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: 2518

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: 2518

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: 2399

Re: Are there any merchants that accept only Amex?

The big one was XXXXXX for a long time, but times they are a changing.

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