Search found 759 matches

by marco100
Sat Oct 15, 2011 11:30 am
Forum: Investing - Theory, News & General
Topic: In a Volatile Market,Some Turn to Insurance Instead of Bonds
Replies: 3
Views: 444

“Over a 20-year holding period , most permanent life insurance policies have an internal rate of return of 3 to 5 percent depending on the company,” said Adam Sherman, chief executive of Firstrust Financial Resources, a wealth manager and insurance broker in Philadelphia. “Given how the world looks...
by marco100
Sat Oct 15, 2011 11:17 am
Forum: Investing - Theory, News & General
Topic: are fundamentally weighted indexes better mousetraps
Replies: 21
Views: 2005

Some of these funds also have the added advantages of providing more exposure to the value premium than the RAFI indexes as well as intelligent design to mitigate the effects of negative momentum stocks.

L Swedroe, creationist.
by marco100
Fri Oct 14, 2011 1:09 pm
Forum: Investing - Theory, News & General
Topic: Considering spouse + self assets aggregately or separately
Replies: 9
Views: 1065

Re: Considering spouse + self assets aggregately or separate

I looked on the wiki but could find a clear recommendation to this, so would appreciate any recommendations on this. When you design a retirement portfolio, including 401k and other person-specific tax-advantaged account, do you consider them as a whole for the couple, or are the instances where yo...
by marco100
Fri Oct 14, 2011 1:05 pm
Forum: Personal Consumer Issues
Topic: Another car thread, paying cash and getting 'ahead'
Replies: 10
Views: 1256

both of the cars are running fine and your fil is a mechanic

stop worrying so much
by marco100
Fri Oct 14, 2011 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Take cash or stock?
Replies: 9
Views: 772

Stated another way: If you had $3 million dollars right now, would you take half of that sum to invest in the acquiring company? Probably not. If you think that the acquiring company is a good individual stock that you would want to invest in, you can always do that with some of your wealth--but not...
by marco100
Thu Oct 13, 2011 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dog marking lawn
Replies: 17
Views: 1710

Re: Dog marking lawn

Kind of a strange topic for a financial forum, but here goes. I live in a townhouse and share a lawn with my neighbor. The neighbors boyfriend has a large dog that pees and creates large yellow spot burns in the grass. I like the grass to look good and reseed it, to little avail. I have asked her i...
by marco100
Thu Oct 13, 2011 7:33 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

People from whatever the "normal" status is in any culture seem to just take it for granted that their speaking about it is totally natural, whereas anyone who speaks from an alternate viewpoint is perceived as screaming about it, putting it in everyone's face, etc. The "normal" folks can't seem to...
by marco100
Thu Oct 13, 2011 7:31 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

I am single, so your first question is moot. Yes, my being childfree cost me a few good relationships, but I have no regrets about that. Why would you get involved with women who wanted to have children in the first place? I don't understand that. Wouldn't that preference be something that was clar...
by marco100
Thu Oct 13, 2011 5:24 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

We childfree people know exactly what we are missing by not having kids. That is exactly why we choose not to have them. Any list of allegedly positive things is easily dismissed by us childfree people because all the items fall into one or both of the following categories: (1) What they describe a...
by marco100
Thu Oct 13, 2011 5:20 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

On Saturday night while I was heading home at 2am from a band competition after having been up since before 6am, I sat on the bus with my daughter sitting beside me asleep with her head against me and I can’t imagine my girls not being the joy of my life. I had the opportunity to go skeet shooting ...
by marco100
Thu Oct 13, 2011 5:17 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

But moving from a small town to a large city where no one cares truly makes a difference. Mom was a real PITA wasn't she? For that matter so is deliberate single-parenting. Wow, they've managed to get parthenogenesis working now, too? You sound bitter and angry for some reason. Yes, having a happy ...
by marco100
Thu Oct 13, 2011 5:14 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

[
double post
by marco100
Thu Oct 13, 2011 5:08 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

People from whatever the "normal" status is in any culture seem to just take it for granted that their speaking about it is totally natural, whereas anyone who speaks from an alternate viewpoint is perceived as screaming about it, putting it in everyone's face, etc. The "normal" folks can't seem to...
by marco100
Thu Oct 13, 2011 4:51 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

People from whatever the "normal" status is in any culture seem to just take it for granted that their speaking about it is totally natural, whereas anyone who speaks from an alternate viewpoint is perceived as screaming about it, putting it in everyone's face, etc. The "normal" folks can't seem to...
by marco100
Thu Oct 13, 2011 4:49 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

But moving from a small town to a large city where no one cares truly makes a difference. Mom was a real PITA wasn't she? For that matter so is deliberate single-parenting. Wow, they've managed to get parthenogenesis working now, too? You sound bitter and angry for some reason. Yes, having a happy ...
by marco100
Thu Oct 13, 2011 4:05 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

marco100, I have no idea what point you're trying to make with the "pink elephant" analogy, but I think you're being pretty hostile. I have no reason whatsoever to be hostile to pink elephants, since they don't exist. Many people do look down on people who choose to not have children. Look at scrab...
by marco100
Thu Oct 13, 2011 3:48 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

How about childless for the neutral term that applies to all, childfree for those who choose to go without, and childpoor for those poor souls who want but can't have. Actually I think "childFREE" should be defined as: "Childless but insecure about that status and trying to work through that insecu...
by marco100
Thu Oct 13, 2011 3:47 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

monkey_business wrote:
hsv_climber wrote:I tend to look down on people who choose to not have children and then try to scream about their choice on every corner (like scrabbler1). It is annoying.
Alas, the exact same thing can be said about the people who do have children.
LOL. So?
by marco100
Thu Oct 13, 2011 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Own a Car but Rent a Home...Thoughts?
Replies: 18
Views: 2429

People at work keep saying this is crazy because you should own items that appreciate and rent items that depreciate and that my way is backwards. The car is already owned so that is a sunk cost. Now w/r/t the car you just have to determine whether your operation costs are a good deal for you, whic...
by marco100
Thu Oct 13, 2011 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Have family members changes affect your outlook?
Replies: 22
Views: 2026

First thing I remember knowing

Was a lonesome whistle blowing

And a young'uns dream of growing up to ride

On a freight train leaving town

Not knowing where I's bound

No one changed my mind but momma tried
by marco100
Thu Oct 13, 2011 2:25 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

I can say with assurance that I do not believe in pink elephants. I have never believed in pink elephants, do not care about pink elephants, and if they actually existed, would not care to ever own a pink elephant. Yet--and here is the amazing thing--I have never found it necessary to belong to a su...
by marco100
Thu Oct 13, 2011 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Naming a financial site -- your input valued
Replies: 32
Views: 3075

Re: Naming a financial site -- your input valued

woof755 wrote:
chipmonk wrote: Or thetaoofasset.com?
Visual Mondegreen: looks like tattoo fest!
I saw it as "tattoo of ass"
by marco100
Thu Oct 13, 2011 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to shorten the life of a mortgage
Replies: 35
Views: 4248

DISCLAIMER: i'm a newbie in investing :) With a rate a 4.5%, wouldn't it make more sense to invest the money that you would use to put toward principal into a stock with a dividend that has a net yield of 5% or more. Yes you're correct. And if you pick the right stock, buy it @ 5% div. yield, and t...
by marco100
Thu Oct 13, 2011 2:03 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

But moving from a small town to a large city where no one cares truly makes a difference.

Mom was a real PITA wasn't she?
For that matter so is deliberate single-parenting.
Wow, they've managed to get parthenogenesis working now, too?
by marco100
Thu Oct 13, 2011 1:56 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

The blogs and message board provide support to people who share the same views, not to rationalize a decision. I guess most of us with kids, in those moments when we might reflect upon what life might be like without kids, or perhaps say a temporary two week vacation from them (camp, perhaps?), do ...
by marco100
Thu Oct 13, 2011 1:43 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

Heh reminds me that a friend had a baby recently. We went for a bike ride, and I asked, "So do you miss your child out here?" His response - "I actually miss my cat more". You told this story slightly differently last time. http://www.bogleheads.org/forum/viewtopic.php?p=967834#967834 Additional el...
by marco100
Thu Oct 13, 2011 1:35 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

So, are childFREE folks sort of like the "Support Community for People Who Don't Believe In Pink Elephants and Don't Wish to Think About Them"? Many have never heard of them, but the anti-pink elephant on-line community spends a great deal of its time discussing the non-existence of pink elephants a...
by marco100
Thu Oct 13, 2011 1:28 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

I don't love hanging out with children, but holding my sister's 3 week old baby was something else. I can only imagine how much more emotional it will be for me to hold my own baby one day. I once held my brother's newborn baby. It felt awful. While keeping a straight face as they took a picture, a...
by marco100
Thu Oct 13, 2011 12:58 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

Agree to disagree, Oneanddone. And by the way, childFREE and childLESS are two completely different and mutually exclusive terms. ChildFREE means not having kids and saying you do not want to have kids. ChildLESS means not having kids but wanting to have kids. You cannot be both at the same time. f...
by marco100
Thu Oct 13, 2011 12:48 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

What I see nearly every day on the news are examples of parents who treat their children badly. They probably thought the upsides were going to be great when they had their kids but it turned out to be not what they thought and wished to return to the childfree life they once had. Many of the kids ...
by marco100
Thu Oct 13, 2011 12:37 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

Agree to disagree, Oneanddone. And by the way, childFREE and childLESS are two completely different and mutually exclusive terms. ChildFREE means not having kids and saying you do not want to have kids. ChildLESS means not having kids but wanting to have kids. You cannot be both at the same time. fyp
by marco100
Thu Oct 13, 2011 12:22 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

I have avoided the downsides of raising children because I know what those downsides are, and any possible upsides for me are either not worth the huge downsides or can be obtained in another way without enduring the huge downsides . I have not avoided the (smaller) upsides of being around children...
by marco100
Thu Oct 13, 2011 1:25 am
Forum: Personal Finance (Not Investing)
Topic: College Degree in Something Practical...
Replies: 141
Views: 11515

I always thought the only reason people went to college was to watch the football games.
by marco100
Wed Oct 12, 2011 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: age old question: cutting college debt vs. investing
Replies: 20
Views: 1873

Re: age old question: cutting college debt vs. investing

To give a quick background, I am now three years removed from college and I am at a point where I have built up a bit of a cash reserve and I am deciding whether to make a large (in my eyes) payment on my student loans or invest it in another vehicle. My student loans: (making min payments of $360....
by marco100
Wed Oct 12, 2011 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Naming a financial site -- your input valued
Replies: 32
Views: 3075

Dan:

Having zen in the name is probably a bad idea from an SEO standpoint.

You will be getting a lot of hits/using a lot of bandwidth on people searching on terms which contain "zen" because they are interested in zen, not in personal finance.
by marco100
Wed Oct 12, 2011 8:40 am
Forum: Investing - Theory, News & General
Topic: Finally! Can we lay DCA to rest and ban this topic forever?
Replies: 501
Views: 39632

I used Shiller data to compare effect of DCA $100 over a 12 month period, compared to lump sum at the beginning. The overall result was, as you might expect, that DCA seemed to broadly halve both returns and risk. My next thought was that DCA made no sense as a risk reduction measure, as at the end...
by marco100
Wed Oct 12, 2011 8:35 am
Forum: Investing - Theory, News & General
Topic: Finally! Can we lay DCA to rest and ban this topic forever?
Replies: 501
Views: 39632

Lump summing works better 70% of the time (the years stocks go up) and DCA works better 30% of the time (the years stocks don't go up). This suggests that at least some of the time, DCA might be advantageous. A lot of people seem to think that since it is very difficult/impossible over the long haul...
by marco100
Tue Oct 11, 2011 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Naming a financial site -- your input valued
Replies: 32
Views: 3075

MadoffIsMyIdol.com?
by marco100
Tue Oct 11, 2011 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park $150k with a 2-year investment horizon?
Replies: 45
Views: 4588

I have a question - why not be as risky as possible while still ensuring you meet the minimum money required? For example, while the OP has $150k earmarked for a down payment, my guess is they may have more they can risk. So lets take a different scenario, lets say a person has 6 months savings for...
by marco100
Tue Oct 11, 2011 3:45 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

My sibs and I agree that our parents should not have had children. You all agree that none of you should have ever been born? Interesting, to say the least. Oh, we're happy enough to be here. But we're pretty sure that if they'd gone into it with their eyes open and made a wise decision, we wouldn'...
by marco100
Tue Oct 11, 2011 2:43 pm
Forum: Investing - Theory, News & General
Topic: Finally! Can we lay DCA to rest and ban this topic forever?
Replies: 501
Views: 39632

A big point that it seems has perhaps been overlooked is the rather huge assumption that the future will mirror the past. Yes stocks have risen in 70% of past years, but that is no guarantee it will happen in the future. What if stocks simply fluctuate for the next 20/30/40 years? DCA makes sense if...
by marco100
Tue Oct 11, 2011 2:40 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

yobria wrote:Goodness what a lot of hostility toward BogleTurtle's heartfelt post!

Kids running you guys ragged? ;)

Nick
No one was hostile to Bogle Turtle.
by marco100
Tue Oct 11, 2011 2:34 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

My sibs and I agree that our parents should not have had children.
You all agree that none of you should have ever been born?

Interesting, to say the least.
by marco100
Tue Oct 11, 2011 2:31 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

Re: Children

BTW, my mother agrees with our decision and tells us that if she had a re-do she would not have kids either. Your mother told you she regrets having you? I don't know how I would react to that, but it wouldn't feel good. Um, yeah. It's twilight-zone bizarre to hear someone say something like that. ...
by marco100
Tue Oct 11, 2011 2:28 pm
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 15428

BTW, my mother agrees with our decision and tells us that if she had a re-do she would not have kids either.
Why thanks, ma.
by marco100
Tue Oct 11, 2011 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Don't trust my mortgage broker- help me check his suggestion
Replies: 21
Views: 2042

I can never wring out a clear discussion of what fees are involved
Time to get a new mortgage broker.

Also, shop around.
by marco100
Tue Oct 11, 2011 11:30 am
Forum: Investing - Help with Personal Investments
Topic: What Makes More Sense?
Replies: 2
Views: 897

Re: What Makes More Sense?

Part 1: I am planning to purchase $10k worth of I Bonds--5K electronically and 5K paper. Should I get 2 5K bonds to keep it simple, or 10 1K bonds in case I may need to cash some in at some point before 5 years? Part 2: I currently have about $425,000 saved and about $18,000 in a 401K at work that ...
by marco100
Tue Oct 11, 2011 11:08 am
Forum: Investing - Theory, News & General
Topic: How long does it take for the market to adjust to news
Replies: 8
Views: 1164

Re: How long does it take for the market to adjust to news

I found this to be a fascinating article out of the NY Fed examining how long it takes for the market to absorb information. The article discusses a piece of verified bad information that made United Airlines drop 76% in a day, it took about a week before it traded back to the level before the mis-...
by marco100
Tue Oct 11, 2011 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Buying your first home with cash? Am I crazy?
Replies: 55
Views: 6610

heart in sf: This is not exactly an answer to your question. However--this is just my opinion but it's based on experience--a 400 sq. ft. studio is NOT going to be a sustainable amount of living space for two people. Regardless of price you should not commit 300k to buy a studio which has only 400 s...