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Forum: Young Dreamers 01-15-2011, 01:16 PM
Replies: 79
Views: 8,180
Posted By innova
I hate to be the resident dream-shatterer... but...

I hate to be the resident dream-shatterer... but I feel obliged to point out bluntly what others seem to be casting aside.

The notion that you can reliably earn 9% annualized (7.5% real) by...
Forum: FIRE and Money 10-29-2010, 07:51 PM
Replies: 20
Views: 3,587
Posted By innova
I haven't read anything yet about income the land...

I haven't read anything yet about income the land could produce.

1) Tillable acres?
2) Timber?

What is the nature of the land?
Forum: FIRE and Money 02-20-2010, 03:36 PM
Replies: 41
Views: 4,859
Posted By innova
I bought a 1997 Saturn (manual trans) in 2003...

I bought a 1997 Saturn (manual trans) in 2003 with 96k miles for $3200.

Flash forward to 2010.

Car now has 178k, and I have put a grand total of maybe $350 into it. Brakes/rotors, water...
Forum: FIRE and Money 11-15-2009, 06:38 PM
Replies: 37
Views: 3,927
Posted By innova
As a fellow MN-ite I can heartily recommend...

As a fellow MN-ite I can heartily recommend canoeing:

Rice Creek (N suburbs) - spring
Minnehaha -spring if rainy. 2009 a total bust.
Cannon river (cannon falls area)
Root river (lanesboro)...
Forum: Health and Early Retirement 09-01-2009, 01:07 PM
Replies: 17
Views: 4,188
Posted By innova
One other thing came to mind, Do not ignore...

One other thing came to mind,

Do not ignore the overwhelming influence of so-called 'free' samples the reps leave at the physician offices. I can cite numerous studies showing the influence that...
Forum: Health and Early Retirement 09-01-2009, 07:19 AM
Replies: 17
Views: 4,188
Posted By innova
Ahh the power of commercials. If you believe it...

Ahh the power of commercials. If you believe it works better (hint hint) it must be working better. "I trust my heart to lipitor", for example.

Here's the deal. Prilosec is made from a mixed...
Forum: FIRE and Money 03-09-2009, 10:34 PM
Replies: 25
Views: 3,318
Posted By innova
Did y'all know that Roubini is holding 100%...

Did y'all know that Roubini is holding 100% Equity?

He is hoping this thing will drag out as long as possible. Same for Warren Buffett - fortunes are made in times like these. The longer down, the...
Forum: FIRE and Money 03-09-2009, 10:32 PM
Replies: 25
Views: 3,477
Posted By innova
Bottom shelf hooch? Man we ARE having hard...

Bottom shelf hooch?

Man we ARE having hard times :)

I'm in the total return investing theory camp - only down 50% or so. Stay the course!
Forum: FIRE and Money 03-02-2009, 10:25 PM
Replies: 10
Views: 1,951
Posted By innova
Yeah but... zzzzz The scenario you post is...

Yeah but... zzzzz

The scenario you post is not typical of anyone I know. Sorta driveby media-ish.

How about running it again - pit a $500/mo investment in W5000 vs. MMA and then compare. That...
Forum: Young Dreamers 02-18-2009, 11:08 PM
Replies: 5
Views: 1,320
Posted By innova
Ahh I figured I'd draw you out of the woodwork :)...

Ahh I figured I'd draw you out of the woodwork :)

Exceptions exist.. but in general fund managers tend to be all stock heading into declines (ie, they won't consistently protect you) and build...
Forum: Young Dreamers 02-18-2009, 10:10 PM
Replies: 5
Views: 1,320
Posted By innova
Beta is hardly a static measure. I think...

Beta is hardly a static measure.

I think you'd be better served by choosing an appropriate stock:bond (and cash) ratio than trying to pick an arbitrary, ever-changing beta.

Fund managers...
Forum: FIRE and Money 10-03-2008, 01:09 PM
Replies: 4
Views: 4,963
Posted By innova
Use whatever is indexed and lowest cost, be it...

Use whatever is indexed and lowest cost, be it ETF or fund. Picking individual stocks or bonds is for suckers. Picking individual TIPS may be of benefit if you are trying to match income streams with...
Forum: FIRE and Money 10-03-2008, 01:05 PM
Replies: 11
Views: 1,981
Posted By innova
The title of this thread is misleading. A debate...

The title of this thread is misleading. A debate implies (to me) that there are valid points and counterpoints and that the decision can be correct either way depending on what variables you use to...
Forum: Young Dreamers 09-29-2008, 08:21 PM
Replies: 24
Views: 4,286
Posted By innova
Would you rather buy low or buy high? Future...

Would you rather buy low or buy high? Future returns are tied closely to valuation at the time of purchase.

Nobody knows what the market will do tomorrow. Historically, it is more likely to go up...
Forum: FIRE and Money 08-08-2008, 02:56 PM
Replies: 24
Views: 3,545
Posted By innova
Weakest argument for hiring a FA, ever. I'd...

Weakest argument for hiring a FA, ever.

I'd buy the emotional argument for having a FA, but thats about the only reason.
Forum: FIRE and Money 08-08-2008, 08:20 AM
Replies: 188
Views: 15,349
Posted By innova
Valid argument, but perhaps you are missing the...

Valid argument, but perhaps you are missing the point...

If you are a long-term buy and holder, you don't really pay any attention to 300 point rallies so it doesn't matter. If you are really...
Forum: Health and Early Retirement 08-06-2008, 10:59 PM
Replies: 33
Views: 3,264
Posted By innova
I find my visceral response to this question...

I find my visceral response to this question intriguing. As a 'mostly thin, sorta fit' person, my inclination was to immediate think this would devolve into a fattie-apologism thread.

I'm...
Forum: Life after FIRE 08-06-2008, 10:49 PM
Replies: 42
Views: 4,581
Posted By innova
Bowhunting! Nothing like taking to the...

Bowhunting!

Nothing like taking to the woods in the crisp predawn hours and climbing up a tree to await one's quarry. Lots of quality reading and journaling time. Sometimes I get so relaxed its...
Forum: FIRE and Money 08-06-2008, 10:43 PM
Replies: 17
Views: 2,435
Posted By innova
Not too bad. A few changes I'd suggest. 1)...

Not too bad. A few changes I'd suggest.

1) Ditch templeton EM fund. Stick with the low-cost vanguard fund. EM in a market allocation makes up around 20% of foreign holdings - you are significantly...
Forum: Stock Picking and Market Strategy 07-31-2008, 11:19 PM
Replies: 9
Views: 4,215
Posted By innova
And crazy high volatility, and its very...

And crazy high volatility, and its very non-diversified. Horrible advice in light of what the OP is asking for.



What about the ungodly expenses and 'we will take 20% of profits' fees?

It is...
Forum: Stock Picking and Market Strategy 07-31-2008, 11:13 PM
Replies: 6
Views: 3,249
Posted By innova
Who knows. You may regret not purchasing VTI...

Who knows. You may regret not purchasing VTI instead.

HY notes are a crapshoot. If rates rise, NAV dies. Risk of default. If rates lower, they call them in.

All the risk, none of the upside. If...
Forum: Stock Picking and Market Strategy 07-31-2008, 11:09 PM
Replies: 77
Views: 14,461
Posted By innova
Currency / Gold / Silver have no long-term...

Currency / Gold / Silver have no long-term expected return. With the exception of its temporary blips during crises, that should be obvious by inspecting past returns.
Forum: FIRE and Money 07-31-2008, 11:02 PM
Replies: 20
Views: 2,392
Posted By innova
True - I suppose it depends on whether you follow...

True - I suppose it depends on whether you follow the dividend or total return strategy. Since I am in the latter, I see no purpose for HY.
Forum: FIRE and Money 07-31-2008, 10:55 PM
Replies: 188
Views: 15,349
Posted By innova
I'm giggling over here reading this. The way...

I'm giggling over here reading this.

The way to avoid a 30 percent loss is to diversify and understand your need/willingness to take risk.

Its ironic that proponents of active management...
Forum: FIRE and Money 07-31-2008, 10:46 PM
Replies: 29
Views: 3,402
Posted By innova
I'm using wells fargo PMA for brokerage and roth...

I'm using wells fargo PMA for brokerage and roth accounts.. nice to hold vanguard funds / etfs there without dealing with vanguard directly.
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