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Yeah, the studies show that it can work. Note that the puts being sold are cash-secured, without margin. [emphasis added] I have played with options on margin for SPX and RUT futures. At the end, I was making six figures writing puts. It lasted until August 2008. That's how I know about the...

1) Brokers can and do adjust margin requirements in times of extreme market volatility. 2) If there is a market drop of, say, 5%, you'd be pinned. Your margin would explode due to VIX even if the broker requirements didn't ramp up and you likely wouldn't be able to cover a spread or sell...

This will work until it doesn't. In the end, there will be some serious capital losses. The "good" news is that the losses can probably be carried back and applied against the gains.

Planescape 2 is coming out next year. In a similar vein, Wasteland 2 is releasing in September.

It needs to be earned income. Rental and dividend income won't work for a solo 401k. You can fund an HSA though.

I've had 9 jobs in 10 years. The longest stay was 4 years, and there was a year of travel, which means 8 jobs in 5 years. I have no problem getting jobs in tech. It helps that many of my jobs are project-based contracts.

New York takes more local and state taxes for their services. Mississippi takes fewer local and state taxes and relies more on federal spending for their services. Since New York is a federal tax giver and Mississippi is a federal tax taker, New York is bearing the burden for Mississippi's (lack...

I'm currently 85/5/10 (s/b/c) and will move to 80/10/10 at ER, which should be around 45.

No, I got that. I doubt anyone disagrees with 1 phone/user. Before you found those abuses, and I'm sure there are plenty, you were advocating controls, Lifeline provides $9.25/mth for each qualified user. If a provider wants to hand out 250 minutes and an iPhone for that $9.25, where's the...

2001 wants its phone back. Lifeline Cell Phone Service Provider | Assurance Wireless

Someone was offended. ;) We all agree that no one should have more than one Reagan/Obama phone (Lifeline was actually put into place in 1985). However, if no one lies about their income, and Joe the early retiree qualifies for Obama care subsidies, and Bob the impoverished qualifies for a free...

Are you arguing that people should only have one [mod edit] phone at a time? No one disagrees with that. Initially, however, your "controls" were for making sure that the phone was only used for "intended" purposes and "credentialed" numbers. Do you think the intent of the [mod edit]...

I've similarly been buying to maintain my AA. Vanguard started 2 new ETFs, VWO and VWOB, that I've been purchasing.

Iceland - rent a car and make a day trip or longer to the interior. The snow will be gone in the summer and there is some beautiful scenery in the national parks. Copenhagen - There's a lot to see and do just wandering around, as Rosie mentioned. We used Airbnb to find a room near Tivoli...

Yes, I can confirm this. Use Fido to push a deductible IRA into a solo 401k.

And this is why numbers don't tell the entire story.

You can send in the safe harbor amount, which is 90-110% of what you paid last year. Do you need that cash now? You can set up a solo 401k (or solo Roth 401k) and put aside a lot (as in, >$50,000) for later. Yes, you can deduct health insurance premiums. A more accurate withholding number...

The debit card PIN should be encrypted at the card reader and sent as a "block" to the issuing bank. Target's readers obviously didn't do this. As Alan noted, they probably kept the CVV digits too (and unencrypted?!?). PCI compliance score = F

In Texas, once you get in the pattern of accepting late payments without penalty, contrary to the lease, it becomes the de facto standard and it's tough to get it changed. This forces the landlord to always charge the late fee or never charge it. Texas is a pro-landlord state, too, and your...

Yeah, it's a big hit financially because you'll not only be earning nothing but you'll also be spending down your savings (ignoring the sweat equity projects). The benefit to your health is well worth it, however (it was for me, anyway). I caught up on my sleep, explored my city, read a lot...

Thanks. After several phone transfers and a call back, Vanguard determined that they could fix it. They reversed the deposit and re-applied it for 2013.

I made a contribution this week to my solo 401k and didn't realize that the "2012" tax year button was clicked. Is this even an excess contribution when it's past the final date of 2012 contributions, Oct. 15th? Or is it a nondeductible contribution that I can apply to my 2013 limit? The IRS...

You need to get rid of the debt! That interest you're wasting could go to a nice vacation but instead it's going to a bank. Increase the payment amount on that debt until it hurts.

Texas has no corporate income tax but it does have a franchise tax, which looks surprisingly similar. It's probably lower than Illinois' tax rate but it'd be a messy comparison and would be different depending on business type. Yes,it is more complicated.

They'll pin your IP address. A better test would be to use one machine at home and then try the Air at the library or Starbucks or wherever. A great FF Add-On is Camelizer, which charts Amazon prices. https://addons.mozilla.org/en-US/firefox/addon/the-camelizer-price-history-ch/ There's User...