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by Opponent Process
Sun Nov 27, 2011 6:58 am
Forum: Personal Consumer Issues
Topic: Are fake Christmas trees toxic?
Replies: 28
Views: 2325

Re: Are fake Christmas trees toxic?

snyder66 wrote:She was told that the heat from the lights causes the chemicals or gasses in the tree to emit.


yes but every time a gas is emitted, an angel gets his wings.
by Opponent Process
Sat Nov 26, 2011 9:02 pm
Forum: Investing - Theory, News & General
Topic: Europe's Financial Crisis - The European Perspective
Replies: 50
Views: 4162

Re: Europe's Financial Crisis - The European Perspective

pensions have been around forever. it's more about payouts and sustainability, maintaining balance over time. fiddle with growth forecasts and you might promise the moon or quickly face bankruptcy. you can let people starve or the people can revolt. the people with bad timing envy the people with go...
by Opponent Process
Sat Nov 26, 2011 8:01 pm
Forum: Personal Consumer Issues
Topic: Grandson of BCS
Replies: 487
Views: 39403

Re: Grandson of BCS

555 wrote:There's a few games to go, but it really looks now like there won't be any BCS chaos. :(


in fairness, I think a 64-team tournament would produce LSU vs. Alabama.
by Opponent Process
Sat Nov 26, 2011 6:27 pm
Forum: Personal Consumer Issues
Topic: Are fake Christmas trees toxic?
Replies: 28
Views: 2325

Re: Are fake Christmas trees toxic?

at some point just the added stress of her thinking it's toxic will be significantly harmful to her health, and to your marriage. my one Christmas rule is to minimize stress/conflict above all else.
by Opponent Process
Sat Nov 26, 2011 2:42 pm
Forum: Investing - Theory, News & General
Topic: Europe's Financial Crisis - The European Perspective
Replies: 50
Views: 4162

Re: Europe's Financial Crisis - The European Perspective

yours is a good idea, although my guess is that most Europeans are outside enjoying the sunshine. therein may lie the root of their problems.
by Opponent Process
Sat Nov 26, 2011 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Free Money at ING today
Replies: 14
Views: 2217

Re: Free Money at ING today

I was hoping they'd add another ten bps to their CDs, but I understand times are difficult.
by Opponent Process
Fri Nov 25, 2011 8:30 pm
Forum: Personal Consumer Issues
Topic: Extra virgin olive oil
Replies: 27
Views: 3254

Re: Extra virgin olive oil

I buy olive oil in dark containers, bottles or tins, and keep it stored at room temp out of light. we have cupboards at work. I'd refrigerate the salad and keep a small container of oil in the cupboard (out of light, as much as possible). refrigerating it isn't the end of the world, either. olive oi...
by Opponent Process
Fri Nov 25, 2011 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar- Can I trust their advice ?
Replies: 21
Views: 1358

Re: Morningstar- Can I trust their advice ?

like many things on the internet, it is a fantastic resource, but would I pay for it? of course not. why? because there are too many fantastic resources on the internet for free, including many useful parts of Morningstar. if you want me to "pay" for something put some little flashing ads ...
by Opponent Process
Fri Nov 25, 2011 9:15 am
Forum: Investing - Theory, News & General
Topic: Are TIPS really a worry-free investment?
Replies: 85
Views: 6927

Re: Are TIPS really a worry-free investment?

And the Millionaire Next Door is flawed-- Taleb takes you through that in 'Fooled by Randomness'. the other interesting thing about TMND is that the rich people are largely that way because they've simply consumed less or worked harder, thereby presumably giving up some quantum of life in return fo...
by Opponent Process
Fri Nov 25, 2011 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Let's whine about "unexpected" expenses
Replies: 66
Views: 5832

Re: Let's whine about "unexpected" expenses

this is why I never use my emergency fund. one-time emergencies are already priced into my monthly budget.
by Opponent Process
Thu Nov 24, 2011 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: PP versus 60-40
Replies: 14
Views: 1804

Re: PP versus 60-40

Indices wrote:Name calling aside, the OP brings up an important point. What if there is no secular bull market in the future? What alternatives are there for investors with stock heavy portfolios?


save more money and reduce your expectations.
by Opponent Process
Thu Nov 24, 2011 8:19 am
Forum: Investing - Theory, News & General
Topic: Becoming bummed out about saving
Replies: 16
Views: 2050

Re: Becoming bummed out about saving

We save and we save. But nowadays with inflation running 3% ahead of savings accounts and the stock market erratic I'm starting to feel like the money I spent (e.g. new truck) has been a better investment. Bernanke's wager is working. By driving savings returns down to nothing, the Fed encourages p...
by Opponent Process
Thu Nov 24, 2011 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Is there such a thing as a FInancial Intervention?
Replies: 36
Views: 3398

Re: Is there such a thing as a FInancial Intervention?

I think these are the symptoms of receiving too much economic outpatient care from her parents, and at this point it's the Pottery Barn policy for you guys.
by Opponent Process
Wed Nov 23, 2011 4:45 pm
Forum: Investing - Theory, News & General
Topic: On the current crisis
Replies: 202
Views: 13787

Re: On the current crisis

You're right, someone at S&P and Moodys should go to jail for the fraud they committed. I think the problem here is that incompetence is not illegal, and incompetence is a major weakness of any democracy or free market system. you have to have accurate information and rational actors. I think I...
by Opponent Process
Wed Nov 23, 2011 3:27 pm
Forum: Investing - Theory, News & General
Topic: What is the contribution of the financial sector?
Replies: 8
Views: 1065

Re: Wrong Question!

For the rest of the population, this money is "value subtracted" from the economy. I do not agree. The existence of the financial sector is overall a net positive to the rest of the population. If not for the financial sector, individuals and businesses would be unable to borrow money, ra...
by Opponent Process
Wed Nov 23, 2011 3:03 pm
Forum: Investing - Theory, News & General
Topic: Italian vs American savings rates and holdings
Replies: 9
Views: 1162

Re: Italian vs American savings rates and holdings

just seems like Europeans are more interested in enjoying life in lieu of being rich or producing anything. maybe there's some middle ground between the US and Europe, or maybe the US is the new middle ground between China and Europe. the temptation is definitely there to, at some point, cash in you...
by Opponent Process
Wed Nov 23, 2011 12:23 pm
Forum: Personal Consumer Issues
Topic: High hopes
Replies: 1
Views: 289

Re: High hopes

I'm eagerly anticipating ING direct's Black Friday sale.
by Opponent Process
Wed Nov 23, 2011 9:31 am
Forum: Investing - Theory, News & General
Topic: SCV tilt, if enough people do it, it will not work
Replies: 115
Views: 5692

Re: SCV tilt, if enough people do it, it will not work

what percent of investors know what small value is? 1%? 0.1%?
by Opponent Process
Tue Nov 22, 2011 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fees Good and Bad
Replies: 34
Views: 2928

Re: Fees Good and Bad

re: disclosure, of course the ATM itself tells you it's going to charge you a fee, and people still complain. I think behaviorally it also has to do with the perceived value of the services rendered for the fee. ATMs should be free; it's just doing the work of a teller, which is free, by which I mea...
by Opponent Process
Tue Nov 22, 2011 2:12 pm
Forum: Investing - Theory, News & General
Topic: "market has it factored in already" please explain to me.
Replies: 11
Views: 847

Re: "market has it factored in already" please explain to me

you just explained why it's not crud. you just explained why it's correct. the market is just the sum of all transactions based on current sentiment. it is what it is. it's reality. is reality crud? I think not. Ok. But that "sentiment" you describe is just some guy's or some group's opin...
by Opponent Process
Tue Nov 22, 2011 11:19 am
Forum: Investing - Theory, News & General
Topic: "market has it factored in already" please explain to me.
Replies: 11
Views: 847

Re: "market has it factored in already" please explain to me

"The market has it factored in already." Every time I hear that phrase, it grates on me. Frankly, I think it's a bunch of crud. Nobody knows a darn thing about which way the markets will go. They are all just guessing. And then you have those super trading computers operating in the marke...
by Opponent Process
Tue Nov 22, 2011 9:59 am
Forum: Investing - Theory, News & General
Topic: "market has it factored in already" please explain to me.
Replies: 11
Views: 847

Re: "market has it factored in already" please explain to me

the posters above nailed it. you can tie any market move to any particular thing you want, but you'd be incorrect (or not entirely correct) about 100% of the time, the exception being truly acutely precipitated events, like 9/11. take the recent supercommittee fail. you have the failure, which we al...
by Opponent Process
Mon Nov 21, 2011 5:15 pm
Forum: Investing - Theory, News & General
Topic: Supercommittee fails, where does DOW go from here?
Replies: 14
Views: 2069

Re: Supercommittee fails, where does DOW go from here?

looks like failure was mostly priced in. a 99% chance of revoking the (not so) automatic cuts is also probably already priced in.
by Opponent Process
Mon Nov 21, 2011 10:01 am
Forum: Investing - Theory, News & General
Topic: Is There A Counter Argument To Cramer's DOW 8000
Replies: 28
Views: 3828

Re: Is There A Counter Argument To Cramer's DOW 8000

Like all political issues, the European one will resolve once their backs is against the wall. Stock will go down then up then down then up. I agree. if there's anything I can distill from events here and abroad, it's that things just aren't quite bad enough for anyone to feel inclined to do anythi...
by Opponent Process
Sun Nov 20, 2011 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing With Financially Negligent Parents/In-Laws?
Replies: 51
Views: 10362

Re: Dealing With Financially Negligent Parents/In-Laws?

if filial law were a legitimate concern and readily enforceable, there'd be millions of ongoing lawsuits in California alone. how many parental support lawsuits have you actually heard of beside a few anecdotal reports? everyone on Medicaid would be suing their children. What do we say so often abo...
by Opponent Process
Sun Nov 20, 2011 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing With Financially Negligent Parents/In-Laws?
Replies: 51
Views: 10362

Re: Dealing With Financially Negligent Parents/In-Laws?

if filial law were a legitimate concern and readily enforceable, there'd be millions of ongoing lawsuits in California alone. how many parental support lawsuits have you actually heard of beside a few anecdotal reports on a sleazy lawyer website? everyone on Medicaid would be suing their children.
by Opponent Process
Sun Nov 20, 2011 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: fiduciary responsibility for parent
Replies: 43
Views: 2919

Re: fiduciary responsibility for parent

My mom was gifting when she was more alert. I agree that her needs come first. I think that her wishes, and not anyone else's, come first. I can appreciate that it's hard to tell whether the continuation of gifting is appropriate. I know if I were in her position, I'd probably want more gifting in ...
by Opponent Process
Sun Nov 20, 2011 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: fiduciary responsibility for parent
Replies: 43
Views: 2919

Re: fiduciary responsibility for parent

what does your Mom think?
by Opponent Process
Sun Nov 20, 2011 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: fiduciary responsibility for parent
Replies: 43
Views: 2919

Re: fiduciary responsibility for parent

what does your Mom think?
by Opponent Process
Sun Nov 20, 2011 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping cash on person
Replies: 48
Views: 4203

Re: Keeping cash on person

I have a burlap sack of junk silver coins in preparation for Bond Armageddon.
by Opponent Process
Sun Nov 20, 2011 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: The great bond debate
Replies: 66
Views: 5406

Re: The great bond debate

I think you're right, but my concern is that people get in a nasty habit of market timing and they can't stop, or can't rest on a suitable asset allocation, ever. this is why I rail against DCA so much. sure, any given DCA vs. lump sum decision won't make much of a difference. but I just think ther...
by Opponent Process
Sun Nov 20, 2011 10:37 am
Forum: Investing - Help with Personal Investments
Topic: The great bond debate
Replies: 66
Views: 5406

Re: The great bond debate

There seems to be a divide between people who already own bonds (who seem to advocate a stay-the-course approach) and those who don't already own bonds wondering if this is a bad entry point or not. Not sure that there should be a logical distinction (either it's smart to own bonds or it ain't) but...
by Opponent Process
Sat Nov 19, 2011 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fees Good and Bad
Replies: 34
Views: 2928

Re: Fees Good and Bad

what I never understood was consumers complaining about fees that they always had the option of avoiding. people would complain about ATM fees. solution: don't use ATMs. people would complain about overdraft fees. solution: don't overdraft your account. people would complain about credit card late p...
by Opponent Process
Sat Nov 19, 2011 10:42 pm
Forum: Investing - Theory, News & General
Topic: Safe withdraw rates, recent WSJ article
Replies: 24
Views: 3270

Re: Safe withdraw rates, recent WSJ article

I also agree with Taylor. I think people will (continue to) retire with what they have at the time of retirement. subsequently they will (continue to) spend this down, some will spend too quickly, and then live on whatever pension/SS they have. miscalculating your SWR will not land you in jail, or H...
by Opponent Process
Sat Nov 19, 2011 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: The great bond debate
Replies: 66
Views: 5406

Re: The great bond debate

Bogleheads are currently split on the merits of bond market timing. actually they've been split for several years now, with the market timers looking pretty silly but promising to be right someday. I patiently observe the debate from the sidelines with a steady TBM/TIPS allocation. in part I think t...
by Opponent Process
Sat Nov 19, 2011 6:22 pm
Forum: Personal Consumer Issues
Topic: An ethical (?) question [getting free newspapers]
Replies: 29
Views: 3065

Re: An ethical (?) question

well I have the opposite problem. I pay even when the paper isn't delivered for months at a time (I don't read it; I consider it charity). so maybe we cancel each other out.
by Opponent Process
Sat Nov 19, 2011 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing With Financially Negligent Parents/In-Laws?
Replies: 51
Views: 10362

Re: Dealing With Financially Negligent Parents/In-Laws?

you're asking them to give all this up for, what, some ephemeral sense of fiscal responsibility? sounds like they've got their financial life set right where they want it. not everyone wants to die a millionaire. many would rather die a million in debt and enjoy the difference in lifestyle while th...
by Opponent Process
Sat Nov 19, 2011 5:43 pm
Forum: Personal Consumer Issues
Topic: Picture frames for paper savings bonds?
Replies: 10
Views: 1041

Re: Picture frames for paper savings bonds?

in 2041, I doubt they'll require the actual paper bond for redemption anymore -- I'd be willing to bet that they'll auto-convert all paper bonds to electronic sometime before 2025 (anybody want to take this bet?) and the actual paper bonds will only be useful as decorations or collectibles. electro...
by Opponent Process
Sat Nov 19, 2011 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing With Financially Negligent Parents/In-Laws?
Replies: 51
Views: 10362

Re: Dealing With Financially Negligent Parents/In-Laws?

They have huge TVs, shop at high end grocery stores, spend thousands of dollars on Christmas, but do not have the wherewithal to really afford this lifestyle. you're asking them to give all this up for, what, some ephemeral sense of fiscal responsibility? sounds like they've got their financial lif...
by Opponent Process
Fri Nov 18, 2011 11:53 pm
Forum: Personal Consumer Issues
Topic: Grandson of BCS
Replies: 487
Views: 39403

Re: Grandson of BCS

BCS chaos.
by Opponent Process
Fri Nov 18, 2011 10:04 pm
Forum: Investing - Theory, News & General
Topic: Many Americans say they will have to work until they're 80
Replies: 101
Views: 8601

Re: Many Americans say they will have to work until they're

I agree it's dangerous to overgeneralize that just because people can't save, that they're either lazy or reckless spenders. I've seen firsthand a lot of folks who grew up in disprivileged low-income areas who simply never got a realistic chance to climb out of poverty. yes, but on the other hand, ...
by Opponent Process
Fri Nov 18, 2011 6:59 pm
Forum: Investing - Theory, News & General
Topic: Is There A Counter Argument To Cramer's DOW 8000
Replies: 28
Views: 3828

Re: Counter Argument To Cramer's DOW 8000

sometimes I'm afraid that it's "all priced in" by the same mechanisms and entities that believed that lending to Greeks was a good idea.
by Opponent Process
Fri Nov 18, 2011 10:13 am
Forum: Personal Consumer Issues
Topic: Anyone actually use their convection oven?
Replies: 23
Views: 2516

Re: Anyone actually use their convection oven?

if convection is so great, why do they have a non-convection option? I flipped my toaster oven to convection for some salmon once and didn't notice a difference. I'm thinking it produces a nice placebo effect to sell more ovens. I'd like to see a statistical analysis.
by Opponent Process
Fri Nov 18, 2011 9:32 am
Forum: Personal Consumer Issues
Topic: Denny's free birthday grand slam, revisited...
Replies: 9
Views: 1362

Re: Denny's free birthday grand slam, revisited...

Does it also come with free angiogram? I think it may be difficult to find a less healthy place to eat, suggesting that there really is no free breakfast... you just have to remember to qualify everything you order: egg white omelet, no butter, with wheat toast, no butter, and grits, no butter. mak...
by Opponent Process
Thu Nov 17, 2011 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Is this a good rate for term life insurance from Banner life
Replies: 36
Views: 3028

Re: Is this a good rate for term life insurance from Banner

So, go the extra mile and do reasonable research about any items you are unsure of. I guess I'd strongly prefer that they go the extra mile to do the research as part of the value of their offered product. in this regard, what exactly do insurance companies do between the time of application and of...
by Opponent Process
Thu Nov 17, 2011 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Alzheimer
Replies: 21
Views: 2107

Re: Alzheimer

You should find an eldercare attorney in your state as soon as possible and have a talk about this. There are many legal ways to provide for your wife, yourself and children too. I can understand your wanting to leave some legacy to them. from a legal perspective, I could understand the rationale f...
by Opponent Process
Wed Nov 16, 2011 6:46 pm
Forum: Personal Consumer Issues
Topic: Book e readers
Replies: 23
Views: 1606

Re: Book e readers

the e-ink Kindles are inexpensive and addictive.
by Opponent Process
Wed Nov 16, 2011 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good rate for term life insurance from Banner life
Replies: 36
Views: 3028

Re: Is this a good rate for term life insurance from Banner

that's really good. makes me assume you're pretty young and might even want to consider 30 year term(?) also just curious what the contestability period/policy is? I'm always worried I'll forget to disclose something on the health record (simply because I don't know many of the answers) and don't w...
by Opponent Process
Wed Nov 16, 2011 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good rate for term life insurance from Banner life
Replies: 36
Views: 3028

Re: Is this a good rate for term life insurance from Banner

that's really good. makes me assume you're pretty young and might even want to consider 30 year term(?) also just curious what the contestability period/policy is? I'm always worried I'll forget to disclose something on the health record (simply because I don't know many of the answers) and don't wa...