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Search: Posts Made By: IDunno
Forum: Other topics 04-05-2005, 04:40 PM
Replies: 10
Views: 3,898
Posted By IDunno
Re: Do gas stations hedge fuel costs?

The problem is the demand they would get would exceed the supply.

Say they sell 50,000 gallons in an average month. They do the hedging, locking in a price where they could sell it at...
Forum: Young Dreamers 03-28-2005, 04:15 AM
Replies: 87
Views: 9,150
Posted By IDunno
Re: To be an entreprenuer or not to be

You can add me to the entrepreneur crowd.

I tried 6 different things before finally finding the right one. But when I did, it did well. I had enough experience by that point to do it right. The...
Forum: Hi, I am... 02-18-2005, 09:58 AM
Replies: 27
Views: 4,624
Posted By IDunno
Re: Planning to ER next year, in my 30s.

Just a quick update -- as of today, I'm almost officially ER'd. My employment agreement is ending today, and while I will likely be doing some consulting with them, it should be no more than a couple...
Forum: FIRE and Money 02-11-2005, 02:29 PM
Replies: 21
Views: 2,359
Posted By IDunno
Re: Is the prevailing opinion that stocks stink?

I think that many people are concerned that the market will be flat for 10 years or so.

The concern here is more justified than elsewhere; if you retired a couple years ago before the market went...
Forum: Other topics 02-11-2005, 10:27 AM
Replies: 1
Views: 733
Posted By IDunno
Re: SS Privatization and Market Efficiencies

This is something I've been thinking about, and will be giving more thought to. Note that it is impossible for 100% of shares of stocks to be invested in index funds.

But let's say 90% of all...
Forum: Young Dreamers 01-26-2005, 05:40 AM
Replies: 48
Views: 5,310
Posted By IDunno
Re: U.S. Census Bureau Data On Net Worth

[responding to two posts]



It's useful to determine economic trends.

You can see that race and geography are very important factors, renters save almost nothing, that college dropouts save...
Forum: Hi, I am... 01-26-2005, 05:21 AM
Replies: 735
Views: 96,195
Posted By IDunno
Re: Introduce yourself here!

I'm not the one looking for them. I'm the one that knows about them, and is suggesting that many people here could use a fee-only financial advisor, because they don't know about them or don't know...
Forum: Hi, I am... 01-25-2005, 08:09 AM
Replies: 735
Views: 96,195
Posted By IDunno
Re: Introduce yourself here!

Sure. The general consensus here seems to be to buy index funds, and leave it at that. While that is a good generic strategy, it leaves a lot to be desired -- for example, what if the U.S. dollar...
Forum: Hi, I am... 01-24-2005, 08:15 AM
Replies: 735
Views: 96,195
Posted By IDunno
Re: Introduce yourself here!

Don't feel bad -- it seems that the majority of posters here are anti- financial planners. Don't let it get to you. My introductory post mentioned that I was considering using a financial planner,...
Forum: FIRE and Money 01-19-2005, 03:29 AM
Replies: 2
Views: 1,319
Posted By IDunno
Re: Thank You ... Pentagon FCU CD's

Add my thanks to the list, too. :) I wasn't even planning to have money in a CD, but the 5.25% rate for the 5-year CD was just too good to pass up for a guaranteed rate.
-Scott
Forum: Young Dreamers 01-16-2005, 12:54 PM
Replies: 25
Views: 3,721
Posted By IDunno
Re: Where to Start

My theory is that it's OK to have money in a retirement plan (FWIW, I'm in my mid-30s).

Let's say you have $1,000,000 of which $200,000 is in retirement funds that you can't touch. I say that you...
Forum: FIRE and Money 01-14-2005, 09:26 AM
Replies: 10
Views: 3,175
Posted By IDunno
Re: Buying physical Gold

If you're going to purchase physical gold (or silver/platinum) online, there are two websites to know: www.ajpm.com and www.tulving.com. Both have been around for a number of years, are trustworthy,...
Forum: Other topics 01-08-2005, 05:37 AM
Replies: 20
Views: 2,311
Posted By IDunno
Re: Rumored Computer Deal this Thursday

FWIW, I bought several Dell's for my business (I believe all under $300). Two have fans that are extremely loud (I shut them off when I'm not using them, they are that loud). Another, though, is...
Forum: Other topics 01-08-2005, 05:33 AM
Replies: 6
Views: 1,340
Posted By IDunno
Re: Smoke Alarms

They *are* 9V batteries. Exact same size. Lithium maybe? Of course, they won't last 10 years in many devices that use 9V batteries, but they are designed to last 10 years in smoke detectors. A Google...
Forum: Other topics 01-06-2005, 09:13 AM
Replies: 6
Views: 1,340
Posted By IDunno
Re: Smoke Alarms

That's exactly why. Imagine being in the living room with the TV blasting, or asleep.

The *MOST* important thing is that you have smoke detectors, and they are in working order (read: the...
Forum: Hi, I am... 12-30-2004, 07:22 AM
Replies: 47
Views: 6,116
Posted By IDunno
Re: Soooo ready at 31!!

I faced a similar situation about 2 years ago. I was running my own business, which was doing quite well. I was getting burnt out, and wanted to sell it. It took about 16 months to sell it, and when...
Forum: Hi, I am... 12-30-2004, 06:58 AM
Replies: 47
Views: 6,116
Posted By IDunno
Re: Soooo ready at 31!!

I had the same dilemma -- I'm 35, my wife is 33. *When I first realized that ER would be possible, it just didn't seem right. *I like to refer to ER as "work optional", which sounds a lot like your...
Forum: Other topics 12-27-2004, 06:43 AM
Replies: 12
Views: 2,452
Posted By IDunno
Re: $2,000,000,000,000- Happy 55th

Three words: "web bill payment". If your bank offers it, you can typically pay any bill online. There may or may not be a charge, but even if there is a small fee, it may outweigh the costs of...
Forum: Other topics 12-15-2004, 04:23 PM
Replies: 6
Views: 1,316
Posted By IDunno
Re: Dragon

Definitely do it with one eye closed. With both eyes open, it just looks weird. Try it with one eye closed, just stare at it until it looks like it is facing you, rather than inside out. Then you can...
Forum: FIRE and Money 12-08-2004, 04:52 AM
Replies: 4
Views: 1,432
Posted By IDunno
Re: US bonds from AAA to AA?

This sounds like an urban legend. The dollar starts dropping, and some people start claiming that the sky is falling.

The rating of a bond or related investment is really based on the expected...
Forum: Young Dreamers 11-30-2004, 05:08 PM
Replies: 17
Views: 2,204
Posted By IDunno
Re: Tax Minimization

[re: "The tax system for businesses is very different than for individuals (and for very good reason)." ]

Taxes for individuals are based on how much money you have coming in (gross income), with...
Forum: Young Dreamers 11-25-2004, 04:39 AM
Replies: 17
Views: 2,204
Posted By IDunno
Re: Tax Minimization

Very true -- because most people who are amazed at a $38K tax deduction on a $50K vehicle don't really understand how the tax system works for businesses.

Those same people would be amazed that...
Forum: Other topics 11-17-2004, 03:41 AM
Replies: 15
Views: 3,181
Posted By IDunno
Re: Suzie Orman now selling Chevys.............

She may be condescending and annoying.

But I've watched her show many times, and don't recall a single time that she gave out bad advice. And the self-promotion on the show is very minimal.

I...
Forum: Young Dreamers 11-03-2004, 05:01 AM
Replies: 14
Views: 1,914
Posted By IDunno
Re: If You Make "x", Then You Can Afford "y"

If she really wants to know, she could get pre-approved.

But the question I would ask her is "Would you mind if in a few years your home was taken away from you?" If she doesn't mind, she should...
Forum: Young Dreamers 10-30-2004, 12:23 PM
Replies: 11
Views: 1,414
Posted By IDunno
Re: Does Frequency Matter?

I believe that you would benefit from a higher frequency when the market is trending up, and benefit from a lower frequency when the market is going down. But, DCA assumes that the market isn't...
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