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last laugh posted:You can trade their ETFs without that fee, I believe. Right. As well as their funds.
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Apr 24, 2014 20:44
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Sephiroth_IRA posted:I'll never want a boat. I have no love for rivers and boats just remind me of having to go clamming/oystering on the weekends when I was a kid. There's nothing worse than standing waist deep in freezing water, in an itchy wet suit and pulling a rake all day. dreesemonkey posted:I think I could get something rigged up, my main concern is that it's an hour or so away from me and it's basically all highway speeds back to my place. Just makes me a little weary. I was behind a van once on the highway that had a canoe slide off the side of it, at highway speeds and dragged next to the van. At least they pulled over right away. Also, don't dent dent roof, use a rack or those foam block things. I wouldn't put them on my roof, but I'm anal and own a rack. (Not bad with money, I avoided buying the OEM BMW one and kept the Thule my wagon came with! It's so hideous - but free!) spwrozek posted:I know it is not rational. Just haven't had a roommate in so long... If they put one knife in the dishwasher I swear there will be hell to pay!
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Apr 25, 2014 00:48
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We're considering a hyundai sonata strictly because of the 10yr/100k powertrain warranty. There is a high volume dealer a few hours away that none of the local dealers can touch in terms of cost $18k + tax/tags, so ~$19,400 OTD for the no frills model. About $1k more for one with the "popular equipment package", which I would probably get. We could technically pay cash, but I would finance about half at 1.49%/36 months. It's less than $200 in interest if we waited that long to pay it off. If we went with a nice used accord or something, we'd be paying around $15-17k (plus tax/tags), and have pretty much no warranty left.
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Bloody Queef posted:Vanguard is a brokerage firm. You can trade through them, but unless you hit the voyager/flagship levels, commissions are super high 20 bucks I think the 20 bucks is the per year cost of having a brokerage account. Per trade stuff varies based on what you are buying (Vanguard ETFs are free for example).
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Apr 25, 2014 01:25
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Something I noticed about my townhouse. No electricity, hot day but the house is surprisingly cool.... Anyway the AC works 
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Apr 25, 2014 01:27
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God my backup vacation plan is to go hiking in the mountains for 9 days. On the AT you only needed to pack like 3 days worth of food before you would cross another road and hitch into town. But there are no loving cities in Canada so we have to carry like thirty pounds of food for the 25-kilometre, 1700ft ascent on the first day. And I'm pretty sure I dislocated a rib coughing last night, it's the worst. And since this was the super backup plan, we don't have any good meals dehydrated, so we have to eat lovely KD type stuff or spend $6 a serving for Mountain House bullshit. And my boots just broke! In retrospect, it may be best to spend 7-8 days in the mountains and properly prepare since hiking around at like 8000 feet is kind of serious business.  Nah, gently caress it. If I don't post again after May 4, send help guys because pretty much nobody knows that we're going!
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Apr 25, 2014 01:33
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tuyop posted:God my backup vacation plan is to go hiking in the mountains for 9 days. On the AT you only needed to pack like 3 days worth of food before you would cross another road and hitch into town. But there are no loving cities in Canada so we have to carry like thirty pounds of food for the 25-kilometre, 1700ft ascent on the first day. And I'm pretty sure I dislocated a rib coughing last night, it's the worst. Were those those like 500 dollar boots i can't remember
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Apr 25, 2014 01:39
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Veskit posted:Were those those like 500 dollar boots i can't remember No that was his underwear. Just sent in my federal tax return, gonna use the federal refund to pay what I owe the province.  Goddamn I miss getting $9K refunds; on the other hand I guess I get to use my money faster, wooo! Feels like the credits for tuition used to be a lot better though.
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Apr 25, 2014 01:43
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I have a 5 day vacation coming up. I think my plan includes taking care of the dog (she's getting fixed) and playing Baldur's Gate 2.
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Apr 25, 2014 01:48
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Vilgan posted:the 20 bucks is the per year cost of having a brokerage account. Per trade stuff varies based on what you are buying (Vanguard ETFs are free for example). $20 is the cost for buying stocks, which I think is what the poster was getting at. And $20 is the highest I've ever seen for non assisted trades. Don't buy stocks through Vanguard. Of course Vanguard ETFs and Funds are commission free.
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Apr 25, 2014 02:39
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My dad is getting on in his years and given a recent bout with cancer, he's started thinking in earnest about estate planning (total net assets in the mid 8 figures). Given that my mom is a housewife with not much interest in financial planning, he's asked my brother and I to think about how we'd want to manage household finances if he passes on. I work in finance but my brother's an accountant so I'm tempted to suggest he be the lead for planning. Any thoughts on this? We'll definitely involve my father's wealth planner at some point but I'm just wondering whether there're "familial" issues which we should keep in mind.
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Apr 25, 2014 03:01
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Welp, just bought a new car...
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Apr 25, 2014 04:13
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Veskit posted:Were those those like 500 dollar boots i can't remember They were really expensive but I bought them seven years ago. Probably around 300. The boots from the thread are army boots and they were sub-200 IIRC. Not gonna wear those because they're temperate vented boots and the trails will be icy and flooded.
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Apr 25, 2014 04:46
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shrike82 posted:My dad is getting on in his years and given a recent bout with cancer, he's started thinking in earnest about estate planning (total net assets in the mid 8 figures). Given that my mom is a housewife with not much interest in financial planning, he's asked my brother and I to think about how we'd want to manage household finances if he passes on. I work in finance but my brother's an accountant so I'm tempted to suggest he be the lead for planning. Does he have a will or a trust fund? I would assume a trust fund would make planning financial things easy since it could be setup to guarantee your family X dollars a month or whatever and would prevent people from blowing all your dads money if he passes. Your brother may be an accountant but I wouldn't put a family member in charge of it all, you should also be a part of the process. Remember Enron had accountants.
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Apr 25, 2014 11:28
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spwrozek posted:Welp, just bought a new car... What did you end up getting?
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Apr 25, 2014 12:53
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dreesemonkey posted:What did you end up getting? Subaru Impreza sport premium. Msrp was $24k, paid $20.5k. So not too bad.
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Apr 25, 2014 13:11
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Did you haggle for it or did you go somewhere like CarMax?
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Apr 25, 2014 14:05
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Sometimes I can't help but think "If everyone was like me or your typical BFC goon with money would the economy collapse?" and the answer I always arrive to is "yes.". I can drive down the street right now and point to a lot of companies that would go out of business overnight. Then several that would probably collapse because I don't use them very often. edit: Sorry for the dbl post. The question I posed is a little extreme but often times I have friends tell me "There should be a life 101 class in college/high school that teaches kids to be financially responsible with money, how to create a budget and how to be better at saving money, invest, etc." and I can't help but think "Gee, that would probably suck long term." Sephiroth_IRA fucked around with this message at 14:38 on Apr 25, 2014 |
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Apr 25, 2014 14:36
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Sephiroth_IRA posted:Sometimes I can't help but think "If everyone was like me or your typical BFC goon with money would the economy collapse?" and the answer I always arrive to is "yes.". I can drive down the street right now and point to a lot of companies that would go out of business overnight. Then several that would probably collapse because I don't use them very often. Don't worry, even if there were classes and people had to pass it, many don't have the willpower to delay gratification or think that saving for the future is a priority. There might be a slight shift to more responsible money handling, but probably not a huge amount. I do think a lot of industry would have a major shakeup though if finances were handled differently. I have a friend who lost both his parents before he was 16. His dad's family was fairly old money and he has a trust fund, nothing earth shattering but he could live a frugal life off it if he wanted to. He's on his literal 15th new car in 10 years, carries debt on CCs, etc. If I were in the same position I'd probably have a few paid for rentals by now. I can almost kind of see his side, though. Being burdened with losing both of his parents at an early age I can see why he'd rather spend his money now vs. thinking about tomorrow. He has said to me in the past "If I can afford the monthly payments, I can afford it". spwrozek posted:Subaru Impreza sport premium. Msrp was $24k, paid $20.5k. So not too bad. Nice, Subarus hold their value really well so you did well I think.
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Apr 25, 2014 15:03
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Sephiroth_IRA posted:Sometimes I can't help but think "If everyone was like me or your typical BFC goon with money would the economy collapse?" and the answer I always arrive to is "yes.". I can drive down the street right now and point to a lot of companies that would go out of business overnight. Then several that would probably collapse because I don't use them very often. Well that's funny, it's one of the things MMM addresses all the time. And I don't think financial literacy classes would do poo poo because the damage is already done by then. You need to change society, man.
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Apr 25, 2014 15:04
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Unfortunately I don't think classes would do all that much. It took me 10 years after graduating college before I really pulled my head out of my rear end regarding finances. Luckily I was smart enough to max out my 401k immediately but I was up to my eye balls in debt and really didn't care. I tend to forgive people in their 20's a lot of things I would consider "not smart" because they're still young, enjoying the world and figuring out what direction they're going to take for the rest of their lives. To paraphrase Greg Proops, "if you don't [gently caress like a rabbit and spend like a drunk sailor] while you're young when the hell are you supposed to?" That said, there is little to no excuse for people past that point in their lives to not at least recognize that they still have a lifetime ahead of them to prepare for.
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Apr 25, 2014 15:17
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Sephiroth_IRA posted:Sometimes I can't help but think "If everyone was like me or your typical BFC goon with money would the economy collapse?" and the answer I always arrive to is "yes.". I can drive down the street right now and point to a lot of companies that would go out of business overnight. Then several that would probably collapse because I don't use them very often. As a Masters level economics student, I have to respectfully disagree. If over night, everyone shifted their preferences to save more, then yes, several businesses would shut down quickly. There would be lost jobs. But then the economy would adjust. The job losses would likely be temporary. An increase in savings means that interest rates would decrease, so borrowing would become cheaper. This would mean new businesses cropping up from individuals looking to take a higher risk for a larger rate of return. I believe if everyone were financially responsible, there would be far fewer sad/funny stories of people having financial troubles. In the long run, I believe everyone would be better off. But you can also take this with a grain of salt because I haven't taken Macro Theory yet.
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Apr 25, 2014 15:47
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Sephiroth_IRA posted:Did you haggle for it or did you go somewhere like CarMax? Went to a local car dealer but had an ace in the hole. We have corporate buying programs with Ford, Chevy, and Subaru. So I contacted the Subaru one and found out a good price. Then shopped some dealers locally to see if I should do better. Ended up doing and $300 better than the corporate program. They were a bit above that at first so I said here is an email for what I can get the same car for, can you beat it and they did.
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Apr 25, 2014 16:07
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I bought a shirt today that I didn't need other than to satisfy my love for the subject. On the flip side, I have not been buying soda for two weeks now, and I rarely eat out unless it has to happen.
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Apr 25, 2014 18:31
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TouchyMcFeely posted:Unfortunately I don't think classes would do all that much. We have mandatory Geography classes and a lot of people can't identify any European country other than Italy. So I don't think a mandated financial education (which is required in half of the states) would stick, even ignoring the huge draw of buy now pay later.
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Apr 25, 2014 18:54
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Bloody Queef posted:Right. As well as their funds. Vilgan posted:the 20 bucks is the per year cost of having a brokerage account. Per trade stuff varies based on what you are buying (Vanguard ETFs are free for example). Bloody Queef posted:$20 is the cost for buying stocks, which I think is what the poster was getting at. And $20 is the highest I've ever seen for non assisted trades. Don't buy stocks through Vanguard. Of course Vanguard ETFs and Funds are commission free. last laugh posted:You can trade their ETFs without that fee, I believe. Bloody Queef posted:Vanguard is a brokerage firm. You can trade through them, but unless you hit the voyager/flagship levels, commissions are super high 20 bucks I think
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Apr 25, 2014 19:12
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I'm thinking about starting a blog for family/finance/programming stuff. I'm a programmer (albeit mostly for Android) and could see myself wanting to customize it via code at some point, but not right now. Any recommendations for a good site?
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Apr 25, 2014 20:34
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Cicero posted:I'm thinking about starting a blog for family/finance/programming stuff. I'm a programmer (albeit mostly for Android) and could see myself wanting to customize it via code at some point, but not right now. Any recommendations for a good site? That's an interesting subject list  I use blogspot.com / blogger.com , if you want to move it elsewhere someday they have a tool to dump all the content to XML.
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Apr 25, 2014 20:37
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tuyop posted:Well that's funny, it's one of the things MMM addresses all the time. Thanks for the link and yes I agree with your latter point. A shorter work week and higher exports sounds nice to me. I'd argue that the short term losses could potentially become long term since it would take society awhile to adjust but things would eventually have to change. Sephiroth_IRA fucked around with this message at 00:34 on Apr 26, 2014 |
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Apr 26, 2014 00:31
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I think Sardines are now my go to food. High protein, lots of nutrients and their low on the food chain so they're less likely to have high levels of mercury. Not to mention they're cheap.
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Apr 29, 2014 02:01
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Sephiroth_IRA posted:I think Sardines are now my go to food. High protein, lots of nutrients and their low on the food chain so they're less likely to have high levels of mercury. Not to mention they're cheap. I've never tried sardines but I'm curious. Not eating out for lunch today despite really wanting to. The leftovers I have packed are wearing on me.
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Apr 29, 2014 16:51
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Sephiroth_IRA posted:I think Sardines are now my go to food. High protein, lots of nutrients and their low on the food chain so they're less likely to have high levels of mercury. Not to mention they're cheap. I hope you don't work in close quarters in an office. If you do, you're THAT guy
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Apr 29, 2014 20:20
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Yeah, right now I've only ate them at home but I figure I can get away with it because the owner consumes tuna on a daily basis. My office is also far away from everyone else and I can always turn on a fan, swig some mouthwash and then blame it on the boss. For some reason I grabbed a small can of anchovies. They don't seem nearly as healthy and I read I should avoid tuna and other large fish.
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Apr 30, 2014 02:50
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I have my own office and still won't bring tuna or sardines to work.
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Apr 30, 2014 03:57
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Sephiroth_IRA - Do more research on tuna. The mercury levels are drat low.nickutz posted:I have my own office and still won't bring tuna or sardines to work.
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Apr 30, 2014 05:22
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Fresh sardines are great. Try them out if you ever get a shot.
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Apr 30, 2014 13:41
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Usually the end of the month is a pretty lean time for me, but I got paid today and I still had like $150 left in my bank account!  Pretty big deal for me! I guess being single must save money. 
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Apr 30, 2014 14:47
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Yay for end of the month tallies.  Increased savings by $5,577 this month thanks to the powers of Magical Side Business! On one hand, awesome. On the other hand, it totally hosed up my budgets in Mint because the site treated my royalty checks as negative quantities of book shopping on Amazon. I shall have to fix that. GoodProblems.txt ? Sundae fucked around with this message at 15:30 on Apr 30, 2014 |
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Apr 30, 2014 15:18
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Tuna's not the most sustainable of fisheries though. Delicious, but not the most environment friendly. Fish in the office isn't terrible if you don't eat it up and rinse out the can before throwing it out. If you microwave fish in an office you're literally Hitler.
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Apr 30, 2014 15:27
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Sundae posted:Yay for end of the month tallies.
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Apr 30, 2014 15:42
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Yeah, I'm a romance writer.
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Apr 30, 2014 15:52
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