30426
Essentially Flyertalk / Re: Vegas eats for under $100/person
« on: October 15, 2012, 10:09:31 PM »
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30427
Essentially Flyertalk / Re: Stuff You Guys Can Buy steve dave For Christmas
« on: October 15, 2012, 10:08:13 PM »30428
Essentially Flyertalk / Re: biggest ripoffs ever
« on: October 15, 2012, 10:05:11 PM »
emergency funds.
30429
Essentially Flyertalk / Re: Capitals of the World
« on: October 15, 2012, 10:04:04 PM »Driving ATV's on the street like cars capital of the world: Troy, KS
anywhere, mexico.
30430
Jerome Tang Coaches Kansas State Basketball / Re: Nino and Doc - Didn't have what it took
« on: October 15, 2012, 10:03:05 PM »
are they sending a coded "fire weber" message through the media?
30431
Jerome Tang Coaches Kansas State Basketball / Re: Probably should've hired this guy (#fatty4ksu)
« on: October 15, 2012, 09:06:56 PM »
oh, wow.
30432
Jerome Tang Coaches Kansas State Basketball / Re: oscar Weber Has Dumb Practices and is a Racist
« on: October 15, 2012, 09:03:19 PM »Now you're worried that Rodriguez won't be able to respond to a little constructive criticism?
i'm hoping like hell this is the first sign of his impending transfer.
30433
Jerome Tang Coaches Kansas State Basketball / Re: oscar Weber Has Dumb Practices and is a Racist
« on: October 15, 2012, 05:38:32 PM »Yeah, he effed up Deron Williams pretty bad, didn't he?
he didn't have any guards on those teams that lost crap loads of games and got him fired?
30434
Essentially Flyertalk / Re: Re: Re: Investment/Savings Advice thread (non-morons only)
« on: October 14, 2012, 11:29:55 PM »it's not stupid. it's not like we're telling him to use it for kindling. assuming he's in his 30's, he has plenty of time to save more for retirement and invest that money. it's the same with paying off your mortgage when rates are this low. if you sleep better at night, do it. if not, great, invest it instead. there's no right or wrong answer.
that's exactly what you're telling him to do with it. you're not telling him to the use the money for something else. he's already set the parameters - he wants 2.5 months in reserve for the rest of his life for whatever reason. the question is just whether to let the money make money while it waits for an emergency, or whether to have it hunker down at the local bank and depreciate out of paranoia of having to use it at some point when the market is down, or when you need it within 72 hours or god knows what the logic is.
if you assume even highly conservative returns, we're talking about a difference of hundreds of thousands of dollars for 80 year old kk. it's not a coin flip, either decision is right question. these are highly divergent results.
30435
Essentially Flyertalk / Re: Re: Investment/Savings Advice thread (non-morons only)
« on: October 14, 2012, 10:01:02 PM »you should do whatever makes you and her feel most comfortable/happy. do you both really like the idea of having several thousand dollars in a bank down the street? does it feel good and make you feel good and safe, etc? because if so then do that. but maybe you both hate the idea of having several thousand dollars sitting in the bank getting .3% interest when you could be investing every penny in an attempt to grow it? if so then you should invest it.
because at the end of the day we aren't talking about enough of a difference either way to make you guys force yourselves to make the decision that you would be less comfortable with or that would bring you less joy, etc.
/thread
open thread back up, because that crap is stupid. this "do whatever feels good, man" idea ignores the fact that these are highly divergent choices that make a significant impact on your finances. unless 30 yr old kk hates 80 yr old kk, he should think long and hard about whether he wants to indulge his emotions or think rationally about his choices.
30436
Essentially Flyertalk / Re: Investment/Savings Advice thread (non-morons only)
« on: October 14, 2012, 03:18:11 PM »With an amount that small just the costs associated with making transactions is going to take time to recover. Invest in securities, emergency fund for emergencies.
transaction costs = like $10-15 to buy+sell with an online broker. gmafb. and don't give this amount too small crap. 2.5 months for the two of them is what 20-30k? 20-30k invested over 50 years is a crap ton of money.
30437
Essentially Flyertalk / Re: Investment/Savings Advice thread (non-morons only)
« on: October 14, 2012, 03:15:14 PM »Keep it in your checking account for liquidity for something of that size. Any better potential for gain is offset by the costs and potential for loss given you can't wait out fluctuations in the market if you need it.
That makes sense.
no it doesn't. i mean, it does if you're talking about you want to buy something in 6 months and you don't know what to do with the money till then. but if you're talking about keeping a permanent emergency fund in perpetuity, then that's absolutely Fake Sugar Dick (WARNING, NOT THE REAL SUGAR DICK!). you're foregoing income off of that money for like 50 years. on the off chance that you might have to sell at a loss at some point? that's just playing to your Fake Sugar Dick (WARNING, NOT THE REAL SUGAR DICK!) loss avoidance bias. yes it will cause you psychological pain if you ever have to sell at a loss. and yes, you don't feel the same pain when you decide to not participate in market gains for the rest of your life. but you're far more likely to lose far more money the first way. be smarter than your emotions.
30438
Essentially Flyertalk / Re: Investment/Savings Advice thread (non-morons only)
« on: October 14, 2012, 03:08:33 PM »
put it all in stocks. keep at least a little in companies or funds that are pretty stable, so you aren't going to feel like crap if you have to sell at a loss. the rest in whatever risk you are comfortable with.
i hear the Fake Sugar Dick (WARNING, NOT THE REAL SUGAR DICK!) financial people on radios advising people to keep emergency funds in cash and it drives me rough ridin' crazy. who the eff has emergencies so sudden and unforseen that you can't wait to sell your stock in time to cover them, and also so large that you can't credit card them? no one, that's who. and you're just supposed to have thousands of dollars sitting around losing money for your entire life? that's Fake Sugar Dick (WARNING, NOT THE REAL SUGAR DICK!).
i hear the Fake Sugar Dick (WARNING, NOT THE REAL SUGAR DICK!) financial people on radios advising people to keep emergency funds in cash and it drives me rough ridin' crazy. who the eff has emergencies so sudden and unforseen that you can't wait to sell your stock in time to cover them, and also so large that you can't credit card them? no one, that's who. and you're just supposed to have thousands of dollars sitting around losing money for your entire life? that's Fake Sugar Dick (WARNING, NOT THE REAL SUGAR DICK!).
30439
Kansas State Football / Re: Geaux lsu
« on: October 13, 2012, 10:30:43 PM »man, the sec and big 12 are just brutal. just a bunch of great teams beating the crap out of each other every week. I mean, you have your missouri and ku bye weeks, but it's just non-stop for the most part.
missouri, kentucky, arkansas, tennessee, auburn, vandy. the top of the sec is pretty good, but they get the equivalent of a bye every other week, because the bottom of that league isn't really even playing d1 fball.
30440
Kansas State Football / Re: Kstate wild wild cat players that made you smile today
« on: October 13, 2012, 10:04:05 PM »as strong and fast Harp is, why is his YAC so poor?
i'll accept strong, but i've never seen him do anything fast.
30441
Kansas State Football / Re: Geaux lsu
« on: October 13, 2012, 09:11:47 PM »
go, south carolina. "the kstate of the south".
30442
Kansas State Football / do the kstate wildcats have anything left to play for?
« on: October 13, 2012, 09:09:17 PM »
they've already beaten the big 12's best team, the big 12's best defense, and the big 12's most beringed coach. what more can they prove? there is nothing left to play for other than avoiding embarrassment.
30443
Kansas State Football / Re: Serously, how rough ridin' strong do the Cats look right now?
« on: October 13, 2012, 08:24:10 PM »I was under the impression we were 6, they were 7, or are you going off of they are 6, we are 7, thus making my comment look dumb?
it doesn't matter, domino. the voters will have seen how nd struggled with stanford and they will not have been impressed. they will be behind kstate and florida for sure.
30444
Kansas State Football / Re: Serously, how rough ridin' strong do the Cats look right now?
« on: October 13, 2012, 08:18:23 PM »Thought we hit #1 in 98
oh yeah, i know. i just meant that there weren't any teams as good as 'bama and oregon back then. s. carolina is the wildcard. they actually remind me a lot of the old kstate teams, and it's a tossup in my mind whether they are better or not.
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Kansas State Football / Re: Serously, how rough ridin' strong do the Cats look right now?
« on: October 13, 2012, 08:12:54 PM »
we will ranked #4 next week, if my math is correct. behind alabama, oregon and south carolina. the best in kstate history? yes, if iirc.
30446
Kansas State Football / Re: OSU/KU
« on: October 13, 2012, 06:59:59 PM »
punters, who gives a damn about punters?
30447
Kansas State Football / Re: OSU/KU
« on: October 13, 2012, 06:42:16 PM »
these goddamn kansans are out there doing it big time.
30448
Kansas State Football / Re: Iowa State proven to be our tiny little bitch once again: ISU Sucks Ass Thread
« on: October 13, 2012, 06:37:59 PM »our boys should be ashamed of themselves. i don't know if i've ever seen a kstate team play worse.What are you talking about; the last 1:32 minutes left in the game we were at their 5 yd line and LHCBS had them take a knee so Rusty wouldn't have a chance to call him a pick for running up the score.
that's exactly what i'm talking about.
30449
Kansas State Football / Re: Damnit Tech
« on: October 13, 2012, 05:45:49 PM »
can tech beat us? that's my question. eff, i'd never even entertained the idea, but now someone's going to need to see if we play them at home or at wherever tech is.
30450
Kansas State Football / Re: Iowa State proven to be our tiny little bitch once again: ISU Sucks Ass Thread
« on: October 13, 2012, 05:42:33 PM »
our boys should be ashamed of themselves. i don't know if i've ever seen a kstate team play worse.