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Re: Legos appreciating in value?

This trend/bubble shows no signs of stopping now. Some sets that have recently retired such as the Imperial Shuttle (10212) gained an immediate 100-150 dollar premium after retirement this spring. Lego has been doing record revenue the last few years. Their girl-themed line "Friends" was s...
by epicahab
Tue Jul 23, 2013 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Legos appreciating in value?
Replies: 25
Views: 3905

Re: Google Invests $125 Million in Lending Club

Overstated returns are a huge problem with this and Prosper. In fact, the business model seems to be "Lure people with high returns and get them to deposit as much money as they can before they realize that chargeoffs and other annoyances will destroy their return." I got really into this ...
by epicahab
Fri May 17, 2013 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: Google Invests $125 Million in Lending Club
Replies: 68
Views: 6339

Re: Cardinals win signals good times ahead?

FabLab, I think Jason Werth isn't a fan of the Cards.

Sam, I wanted both the Cards and Yanks to make it to the series this year. Detroit wants revenge on us for 2006 and the Yanks and Cards would make it the most championships in each league represented.
by epicahab
Mon Oct 15, 2012 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: Cardinals win signals good times ahead?
Replies: 9
Views: 651

Re: Cardinals win signals good times ahead?

Looks like it worked.

I'll have another please. :beer
by epicahab
Mon Oct 15, 2012 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: Cardinals win signals good times ahead?
Replies: 9
Views: 651

Lay Z Boy and Dining Room Table - questions

About to pull the trigger on two matching Lay Z Boy rocker/recliner chairs. The sales guy told me how amazing they are, is he right?

Also, what is the best chain or store for purchasing a mid-level dining room table and chairs?

I'm located in St. Louis.
by epicahab
Mon Oct 15, 2012 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lay Z Boy and Dining Room Table - questions
Replies: 9
Views: 848

Re: Cell phones breaking budgets!

Every Boglehead ought to have Virgin Mobile Beyond Talk , either 35/month for 300 talk minutes or 45/month for 1200 talk minutes. Add 3 bucks a month for taxes. Unlimited web and texting (if you go crazy on web, they'll throttle you down a little. It has never happened to me in over a year). My wife...
by epicahab
Wed Oct 10, 2012 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 9939

Re: Advice on how to sell a Timeshare?

It was in Sedona, AZ if that matters.
by epicahab
Tue Dec 06, 2011 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on how to sell a Timeshare?
Replies: 15
Views: 772

Re: Advice on how to sell a Timeshare?

I have sold one for my father on Ebay. It took a good amount of legwork...probably 4 or 5 calls to the timeshare office, some faxing, and emails to the buyer to make sure the transfer was successful and all the proper paperwork was done. But we got around $800 for it and it was something he didn't w...
by epicahab
Tue Dec 06, 2011 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on how to sell a Timeshare?
Replies: 15
Views: 772

FNBO looks to have the highest rates. Thanks medgar.
by epicahab
Thu Oct 29, 2009 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: ING has to sell ING Direct until 2013
Replies: 11
Views: 3627

My wife and I have found that our two young daughters have in a sense made our cats "irrelevant."

I know that sounds harsh but we would rather put our time and energy into the humans which have a much higher potential for return and longevity. :)
by epicahab
Thu Oct 29, 2009 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pets - how much would you spend at the end?
Replies: 95
Views: 10997

Congrats to the Phillies fans. My Cardinals were out way too fast. :( People who argue that we should allow the Yankees to outspend everyone just because they haven't won it all in a few years ignore the fact that they have more than double the world championships of any other team (26). The Cardina...
by epicahab
Thu Oct 29, 2009 12:58 pm
 
Forum: Personal Consumer Issues
Topic: The Series Is Set: Phillies (World Champs) Vs. Yankees.
Replies: 94
Views: 10430

Can someone recommend a more stable online savings site (with similar high rates) should ING Direct start to erode in quality?
by epicahab
Mon Oct 26, 2009 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: ING has to sell ING Direct until 2013
Replies: 11
Views: 3627

My grandpa: "Moderation in everything."
by epicahab
Tue Oct 20, 2009 9:40 am
 
Forum: Personal Consumer Issues
Topic: Best Advice you've ever heard and followed?
Replies: 112
Views: 13867

We're DEFINITELY in it now. I am a 32-year old who likes the classic stuff (Beatles, Zeppelin, Floyd, Who) and the newer stuff (Pearl Jam, Alice in Chains, Tool) and I spend a lot of time on YouTube trying to find new bands to like with almost zero success. I found the Fleet Foxes but I'm not sure I...
by epicahab
Tue Oct 20, 2009 9:34 am
 
Forum: Personal Consumer Issues
Topic: The worst decade for Rock & Roll...
Replies: 77
Views: 7026

I know we all would never think of doing such a horrible thing, but I read that a penny stock is not covered under the free trades. How much commission will you pay for a penny stock buy with Wells Fargo?
by epicahab
Thu Oct 15, 2009 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: WellsTrade / WellsFargo
Replies: 50
Views: 6611

I like Andrew Lo's quotes in this article and will research him further. Since we are animals, why not look at the market from an evolutionary perspective? And because we are animals, we have brains that secrete hormones that cause us to make bad decisions and fall victim to mob psychology. EMH assu...
by epicahab
Tue Aug 04, 2009 10:00 am
 
Forum: Investing - Theory, News & General
Topic: economist article thought worth sharing--EMH
Replies: 20
Views: 3067

Google would be my choice. I set up spreadsheets in Google Docs , for example one listing the money I spend on my car. Then I can access these from any location. You can also share spreadsheets with anyone who has a Gmail address and they can edit and save it. Google Bookmarks is an excellent way fo...
by epicahab
Tue Aug 04, 2009 9:43 am
 
Forum: Personal Consumer Issues
Topic: G Mail vs. Yahoo Mail
Replies: 45
Views: 6920

Advice - Tree Removal

Is there any way to save on tree removal? I have a giant willow that's trying to take over the world and a small pine that need to go.

Do any of you bogleheads have good tips like I've seen on this forum about car buying?
by epicahab
Sat Jul 25, 2009 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice - Tree Removal
Replies: 22
Views: 3191

Tell them an acquaintance of yours is helping you out and the person is very private and doesn't want you talking about it.

I think a white lie like that isn't any worse than them finding out you have money and begging you for some of it.

Tit for tat.
by epicahab
Fri Jul 17, 2009 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house, and questions from the family
Replies: 41
Views: 4812

Re: Gold!

Moral of the story: when the Wall Street Journal starts reporting that Joe and Jane Public are making a killing on some investment, it is probable a good time to think about selling. Very true. When non-investors are bandwagoning on a trend, it's only a matter of when the crash is coming. Which mak...
by epicahab
Fri Jul 17, 2009 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Gold!
Replies: 82
Views: 8816

I had been considering my HSA money over the annual deductible a "war chest" for future health needs, but I'm dismayed to learn that they might not have carryover into future years if the laws change.

I guess if that ever happens I'll be buying a thousand bottles of Ibuprofin!
by epicahab
Fri Jul 17, 2009 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: Health Savings Accounts
Replies: 60
Views: 15124

Thank you BruceM , those figures make me feel a little better especially when factoring taxes in. I am definitely aware that the amount of principal I pay increases while the interest decreases. Just looking for a turbo boost I guess. dm200 , I probably did not use the correct terminology but you un...
by epicahab
Thu Jul 09, 2009 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Non-compounding home loan?
Replies: 6
Views: 1336

You do not have to use the HSA tied to your insurance plan. I only keep mellon since my employer contributes pre-FICA tax and there's no maintenance fees, and we don't have enough there to invest anyway. My employer also does a match so I don't think I can rollover but it is a great suggestion. Tha...
by epicahab
Thu Jul 09, 2009 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA - invest in GSFIX?
Replies: 5
Views: 1643

HSA - invest in GSFIX?

I hadn't intended to invest any of my HSA money (fearing a market downturn in the future) but noticed that one of our four choices of mutual funds is a fixed income fund - GSFIX - with an expense ratio of .43 (the other choices are equity funds and I won't put my family health money into those). Sho...
by epicahab
Wed Jul 08, 2009 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA - invest in GSFIX?
Replies: 5
Views: 1643

Non-compounding home loan?

My primary financial goal is to pay off my mortgage so that I can use monthly income for saving and living. I am 7 years into a 15-year loan (6.25%) and have about 60k principal left to go. It's not a big house but I have been paying extra principal along the way. As I explored various ways to do th...
by epicahab
Wed Jul 08, 2009 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Non-compounding home loan?
Replies: 6
Views: 1336

You know the drill - start a new product, advertise the heck out of it if it randomly outperforms, forget about it if it doesn't and create more stuff to advertise... Nick Don't forget - start five other funds, merge/close some if necessary, and use hindsight bias to ignore underperformers. Interes...
by epicahab
Wed Jul 08, 2009 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Motley Fool's new mutual fund
Replies: 38
Views: 9641

I think the main fallacy in all of the talk about efficiency and rationality is the assumption that human beings are rational. We are not. As much as we might try to be have logical thinking, our moods and emotions mess it up. For example, it has been proven that we are bad at estimating odds in cer...
by epicahab
Thu Jul 02, 2009 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: New Book: Myth of the Rational Market by Justin Fox
Replies: 85
Views: 12131

I should have been more specific. The data (from Ned Davis Research) shows the energy it takes to PRODUCE a dollar of GDP, adjusted for inflation so we are less dependent on energy than we were. I remember reading somewhere that the Internet runs on fossil fuels, since the electricity required to pr...
by epicahab
Mon Jun 29, 2009 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation?
Replies: 32
Views: 4425

Energy use per dollar of real gdp:

1985: 69 cents
2009: 46 cents

This would appear to partly counter the argument (as made by people like Chris Martensen in his "Crash Course") that inflation will ruin the world and bring America to its knees.
by epicahab
Sat Jun 20, 2009 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation?
Replies: 32
Views: 4425

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