Search found 1003 matches

by YttriumNitrate
Sat Feb 13, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Any legitimate insurance/investment hybrids?
Replies: 10
Views: 438

Re: Any legitimate insurance/investment hybrids?

Insurance can legitimately play a role in estate planning investments...but buying whole/universal life in your 30s is not "estate planning"...
by YttriumNitrate
Thu Feb 11, 2016 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: A bad time to retire or a good time to retire?
Replies: 26
Views: 2847

Re: A bad time to retire or a good time to retire?

My vote is for good time to retire. If you're confident in your nest egg after the market has taken a beating, just think how rosy things will look after the market rebounds. As a comparison, I have an uncle who retired in 1999 with the plan to live off his stock portfolio...that worked well for abo...
by YttriumNitrate
Thu Feb 11, 2016 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 78
Views: 6640

Re: What is your decline in Net Worth as of today?

Just for this thread, I checked and it looks like year to date I'm down about the price of a pretty nice car. But, that's okay since I won't be taking money out to buy a new car any time soon. :D
by YttriumNitrate
Tue Feb 09, 2016 6:44 pm
Forum: Investing - Theory, News & General
Topic: Skill vs luck in stock picking
Replies: 35
Views: 2692

Re: Skill vs luck in stock picking

For stock picking, I would say the skill lies in getting as close to the line between thorough research and insider trading, without going over the line.
by YttriumNitrate
Mon Feb 08, 2016 6:14 pm
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 2850

Re: Planning a High-Value Wedding Regardless of Cost

Well, a good number of things are per guest, so culling the invite list as much as possible is a good idea. A way to have the list cull itself is to have a destination wedding (although don't expect everyone to come...since that's kind of the point.) Next, don't get married on Saturday. If you can, ...
by YttriumNitrate
Mon Feb 08, 2016 3:45 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 21
Views: 2177

Re: Jim Cramer

Well, the Onion says everyone who follows Cramer's advice is now a multi-billionaire...and if the Onion reports it, it must be true.
http://www.theonion.com/article/everyone-who-started-watching-mad-money-in-2005-no-32346
by YttriumNitrate
Mon Feb 08, 2016 8:20 am
Forum: Investing - Theory, News & General
Topic: Why has Oil become such a dominant market influencer?
Replies: 66
Views: 3776

Re: Why has Oil become such a dominant market influencer?

My guess would be that it has something to do with oil being the only commodity whose price is (indirectly) posted with giant numbers throughout every city and town.
by YttriumNitrate
Sat Feb 06, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: Renting Bobcat
Replies: 12
Views: 1197

Re: Renting Bobcat

In most places, you just call 811 to get all your utilities marked. Usually you have to give them 2-3 business days to mark before you can start digging.
by YttriumNitrate
Fri Feb 05, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6073

Re: Sibling's destination wedding?

What about the honeymoon? Does the couple end up spending it with family (in-laws), nieces & nephews? Maybe pointing this out to the sibling will change their mind on a destination wedding? My wife and I did a destination wedding that also doubled as the honeymoon. While I could certainly see h...
by YttriumNitrate
Fri Feb 05, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff debt with Roth?
Replies: 19
Views: 698

Re: Payoff debt with Roth?

Thank you for the responses. I can pay an additional 1600/month beyond the ~600 min payment and can have the entire balance paid in about 12 months. I have paid off cars that I could leverage to pay it; thanks for that suggestion I do back door Roth contributions each year so the space is important...
by YttriumNitrate
Fri Feb 05, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Payoff debt with Roth?
Replies: 19
Views: 698

Re: Payoff debt with Roth?

If you don't pull the money out of the Roth, how fast can you pay off the $30k loan?
by YttriumNitrate
Thu Feb 04, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to behave on a RGD (Really Good Day)?
Replies: 17
Views: 1775

Re: How to behave on a RGD (Really Good Day)?

Really good days and really bad days tend to come in groups. I just ignore them both.
by YttriumNitrate
Thu Feb 04, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6073

Re: Sibling's destination wedding?

I wonder why people choose to have expensive far-flung wedding destinations? Is it to allow the couple to deeply cull the guest list? Seems like such an imposition on those invited. Seriously, why not tie the knot state-side and honeymoon exotically? Count me as one who much prefers being invited t...
by YttriumNitrate
Tue Feb 02, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Already filed taxes, didn't include small amount of interest income
Replies: 31
Views: 3059

Re: Already filed taxes, didn't include small amount of interest income

A few years ago, I forgot to report about $30,000 in stock sales, and even for that amount there wasn't a full audit. A few months later the USPTO's automated system sent out a letter, and I just had to submit some extra paperwork showing the cost basis for the stock.
by YttriumNitrate
Sun Jan 31, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Two comma club member? Do I need 2 million in savings?
Replies: 8
Views: 1823

Re: Two comma club member? Do I need 2 million in savings?

Well, I measure my net worth using the binary number system, so I'm in the SIX comma club.
by YttriumNitrate
Wed Jan 27, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: Denver Vacation (with 6 year old)
Replies: 31
Views: 1932

Re: Denver Vacation (with 6 year old)

I believe the US air force academy graduation is on June 2nd so there should be all sorts of cool planes flying around Colorado Springs that day.
by YttriumNitrate
Wed Jan 27, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Roofing Replacement Estimate??
Replies: 24
Views: 1526

Re: Roofing Replacement Estimate??

Back in 2010 I had a similarly sized roof with a 12-3 slope replaced. I was mainly interested in getting a metal roof, but most contractors have me quotes for standard shingles as well. While the metal roof ranged from $12-20k, the shingle quotes were all pretty close in and ranged from about $5,500...
by YttriumNitrate
Wed Jan 27, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 130
Views: 6618

Re: perfectly happy with cable

Based on these comments, even though they already charge 4x the second most expensive station, ESPN should really be asking for even more because they are the primary reason many people keep their cable.
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by YttriumNitrate
Tue Jan 26, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 53
Views: 3235

Re: Cutting Cable Cord Only to Strengthen Internet Cord

Our internet provider jacks up prices just like a cable provider does and I am always threatening to cancel to get them to lower the price. Currently I am paying $90 a month just for internet and that is with a data cap. Am I just living in the stone ages out here in the Midwest and most places sti...
by YttriumNitrate
Mon Jan 25, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: Painter's Mask or Something Similar
Replies: 9
Views: 667

Re: Painter's Mask or Something Similar

When I'm doing fiberglass work I usually wear a mask like the one below to cut down on the fumes from the resin. They are about $25 and work quite well for the fumes of many chemicals available at a big box store. http://cds.a9t2h4q7.hwcdn.net/main/items/media/SPERI001/ProductSmall/RWS_54027.jpg ht...
by YttriumNitrate
Mon Jan 25, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Painter's Mask or Something Similar
Replies: 9
Views: 667

Re: Painter's Mask or Something Similar

When I'm doing fiberglass work I usually wear a mask like the one below to cut down on the fumes from the resin. They are about $25 and work quite well for the fumes of many chemicals available at a big box store. http://cds.a9t2h4q7.hwcdn.net/main/items/media/SPERI001/ProductSmall/RWS_54027.jpg htt...
by YttriumNitrate
Sun Jan 24, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 52
Views: 6241

Re: Netflix increasing prices. Will you keep it?

Netflix could double their prices and I wouldn't even think of cancelling.
by YttriumNitrate
Sun Jan 24, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Is Nitrogen better than air?
Replies: 86
Views: 9780

Re: Is Nitrogen better than air?

Nitrogen in your tires is soooo last decade. Truly discerning automobile enthusiasts only use Perri-air in their tires.
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by YttriumNitrate
Sat Jan 23, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3341

Re: What 55" TV to Buy

I bought a Samsung 55" TV about two months ago for $320 off Craigslist. I think it was a 2014 model year, so it didn't have the latest gimmicks (curved, smart TV, 4k), but frankly I didn't care about those features. Even though they are a lot lighter than big screens used to be, these monster s...
by YttriumNitrate
Sat Jan 23, 2016 7:29 pm
Forum: Investing - Theory, News & General
Topic: Lending Club - Thoughts?
Replies: 13
Views: 1130

Re: Lending Club - Thoughts?

Online peer-to-peer lending was still very much in its infancy during the last recession so I am looking forward to seeing how it fairs during the next one. To quote Warren Buffet, "you only find out who is swimming naked when the tide goes out." My sneaking suspicion is that these program...
by YttriumNitrate
Tue Jan 19, 2016 7:31 pm
Forum: Personal Consumer Issues
Topic: Safety of new Corolla vs new Camry
Replies: 38
Views: 2433

Re: Safety of new Corolla vs new Camry

Unfortunately they don't control for safety equipment. During that time period, stability control was more common on SUVs than cars (i.e. because of the rollover risk). For a tech that supposedly reduces fatal accidents by 25% or so, that is a big deal. It would also be interesting to know why 3500...
by YttriumNitrate
Mon Jan 18, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Safety of new Corolla vs new Camry
Replies: 38
Views: 2433

Re: Safety of new Corolla vs new Camry

I would like to see data on what the most common types of accidents are. Ask, and you shall receive. http://www-nrd.nhtsa.dot.gov/Pubs/811162.PDF Figure 7 on page 10. Overall, it looks like multi-car crashes account for about 46% of all occupant fatalities with about 28% of the multi-vehicle fatali...
by YttriumNitrate
Mon Jan 18, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Safety of new Corolla vs new Camry
Replies: 38
Views: 2433

Re: Safety of new Corolla vs new Camry

Maybe the real question is where is the peak of the cost/size/safety yield curve on cars? My guess is that the peak of the cost/size/safety curve is going to depend greatly on the driver. For example, the 22 year old male who likes to drive drunk and never uses their seat belt is probably better of...
by YttriumNitrate
Thu Jan 14, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Help - want to pay "cash" for a car
Replies: 68
Views: 3613

Re: Help - want to pay "cash" for a car

When I bought my last car, I used my 2% cash back credit card up to the max the dealer would accept ($5k) and then wrote a check for the rest. Sorry, but that means there was enough extra profit margin for the dealer to still be happy even after he paid a fee probably in the range of 3% to 5% for t...
by YttriumNitrate
Thu Jan 14, 2016 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Help - want to pay "cash" for a car
Replies: 68
Views: 3613

Re: Help - want to pay "cash" for a car

When I bought my last car, I used my 2% cash back credit card up to the max the dealer would accept ($5k) and then wrote a check for the rest.
by YttriumNitrate
Wed Jan 13, 2016 6:04 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires trip advice
Replies: 14
Views: 902

Re: Buenos Aires trip advice

I spent a couple days in Buenos Aires on my way back from Antarctica in 2009. As others have pointed out, one of the best things is the boat trip over to Colonia (and you get another stamp in your passport :happy). The Museo Nacional de Bellas Artes was pretty good, but is not that much different fr...
by YttriumNitrate
Tue Jan 12, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Powerball math: annuity is better?
Replies: 56
Views: 4991

Re: Powerball math: annuity is better?

So, a little less than a week ago I wrote this post thinking the jackpot getting up to $2.3 billion would be insane, but if no one wins Wednesday, it's with the realm of possibility so perhaps it's time to get out the automated ticket buying machines. In the early 90s, there was a group that tried b...
by YttriumNitrate
Tue Jan 12, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Transporting a car out of state
Replies: 22
Views: 1190

Re: Transporting a car out of state

Goodness, this sounds like a monster headache in the making. When the 10 year old car needs repairs, are you going to coordinate/pay for those as well? When it breaks down on a trip, are you going to have to drive 120 miles to come pick him up on the side of the road?
by YttriumNitrate
Sun Jan 10, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 4562

Re: Lottery Win...Could a Boglehead handle it?

One thing I've found curious is why they will sell the same combination of numbers on more than one ticket. Wouldn't you think their computers could lock out a certain combination after it is sold once, to prevent multiple people from having to split a jackpot? Any reason for this? Sales of tickets...
by YttriumNitrate
Sat Jan 09, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Why plane fares so expensive???
Replies: 53
Views: 5021

Re: Why plane fares so expensive???

Have you looked into Indianapolis to Reagan National? Flying Monday through Thursday, and Saturday is running about $67 each way on Southwest.
by YttriumNitrate
Thu Jan 07, 2016 3:28 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 5707

Re: Jackpot Now Estimated $700 Million, who's in?

Here's something that puzzles me. Many people have no interest in buying a lottery ticket when the prize is "only" around $200 million, but become very interested when the prize gets up above, say $400 or $500 million. Is the chance of winning $200 million simply not enticing enough, not ...
by YttriumNitrate
Thu Jan 07, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 5707

Re: Jackpot Now Estimated $700 Million, who's in?

In the early 90s, there was a group that tried buying every possible combination of the Virginia Lottery as an investment. There was a $27 million dollar jackpot, $1 dollar tickets, and 7 million combinations. Using those same numbers, the PowerBall would need to be up to $2.3 billion before a group...
by YttriumNitrate
Wed Jan 06, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: How to maximize taxes owed
Replies: 13
Views: 1269

Re: How to maximize taxes owed

I make about 34k a year, and was considering dumping 5.5k into a tira, which would let me qualify for savers credit I just bought a home, so I now have mortgage interest Mortgage interest is useful as a deduction if you itemize, but with the standard deduction being $6000-something I would guess th...
by YttriumNitrate
Tue Jan 05, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Can't afford it? Buy over time..
Replies: 10
Views: 1266

Re: Can't afford it? Buy over time..

Another benefit of buying things over time is that it lets you evaluate how much you are actually using something and whether or not it is worthwhile to continue the improvement. Using the home theater example, you could start with a good TV/projector and a low end, but decent sound system. If you f...
by YttriumNitrate
Tue Jan 05, 2016 4:41 pm
Forum: Investing - Theory, News & General
Topic: VWO: what a terrible performance!!
Replies: 79
Views: 7571

Re: VWO: what a terrible performance!!

VWO split in 2008, so its max was in the high 50s back in 2007.
by YttriumNitrate
Mon Jan 04, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 116
Views: 10699

Re: Fido Amex going away?

Cool! Looks like I'll be carrying one less credit card in my wallet mid-2016 (the Visa Chase 1.5% cash back that becomes obsolete to me). I wonder if I'll miss hearing "I'm sorry sir, but we don't accept that card" at restaurants and other retailers...
by YttriumNitrate
Mon Jan 04, 2016 12:07 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 140
Views: 7625

Re: Waste of money?

You need to post the list of components and prices you're considering for us to be able to answer this question. I could easily put together a good mid-range home theater for less than half of your $14k. Don't forget the cost of outfitting his home theater room so he doesn't annoy his wife. A tube ...
by YttriumNitrate
Mon Jan 04, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 140
Views: 7625

Re: Waste of money?

I want to spend 14k for speakers / home theater stuff , wife thinks I have gone mad Justified ? Gross income 100-150k year , no debt except mortgage , have emergency fund, Completely justified :D ...back in grad school my gross income was about $20k and one year I spent close to $4k on home theater...
by YttriumNitrate
Sat Jan 02, 2016 1:38 pm
Forum: Investing - Theory, News & General
Topic: $3k to $50m strategy
Replies: 52
Views: 7440

Re: $3k to $50m strategy

This reminds me a lot of Ben Franklin's gift to Boston and Philadelphia. $2,000 was given to Boston and Philadelphia with the instructions that it was to be invested for 200 years. The Boston fund got raided after 100 years, but if it had been left untouched it would have reached about $30 million d...
by YttriumNitrate
Fri Jan 01, 2016 7:47 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 646
Views: 14598

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2351.

Up 15% for the year and ending with a prime number.
by YttriumNitrate
Thu Dec 31, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: A dead year, never get it back
Replies: 84
Views: 7269

Re: A dead year, never get it back

I am still in the accumulation phase, so a flat year is a good year. Actually, if everything could stay flat until 2035 and then suddenly dodecatuple, that would be ideal for me.
by YttriumNitrate
Sun Dec 27, 2015 5:50 pm
Forum: Investing - Theory, News & General
Topic: The Contest~a "Push" for 2015?
Replies: 22
Views: 1985

Re: The Contest~a "Push" for 2015?

Shouldn't there also be a prize awarded to the poster whose guess was furthest from the S&P 500 year end composite? Demonstrating that smart people don't make smart predictions. Nah, that would just turn into a contest of who can best use scientific notation to make the most wrong guess. My pre...
by YttriumNitrate
Mon Dec 21, 2015 10:48 am
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 9613

Re: I would like to play the Boglehead car game too

I believe it is a fact that in an epidemiological model for mortality the single biggest factor affecting the outcome for young and middle-aged people is the number of miles driving or riding in a car per year. I'm surprised that seat belt usage wouldn't be a bigger factor in mortality. For example...
by YttriumNitrate
Sun Dec 20, 2015 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Funds Are Bad! [Investopedia article]
Replies: 25
Views: 2692

Re: Emergency Funds Are Bad!

So we don't need an emergency fund if we have health insurance? I wonder if the author has heard about these things called high deductible plans many people are getting. :oops:
by YttriumNitrate
Sat Dec 19, 2015 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Invest "Snowflakes"?
Replies: 12
Views: 1514

Re: Where to Invest "Snowflakes"?

While I'm decidedly in the "don't pay off your mortgage" camp, with 3 kids and an apparent desire to pay for their college educations then paying off the mortgage would be a good plan. It will get you a decent guaranteed rate of return, does not currently impact the FASFA calculations for ...

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