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fatkid

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About fatkid

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    Footballguy
  • Birthday 07/08/1976

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  1. The flu has reached epidemic levels, and 20 children have died from it already this year. Flu shots are still available.
  2. I think the Offensive Line matters less than opportunity. Essentially a good offensive line can be the difference between 4.0 and 4.5 yards per carry. But that is less important than the difference between 200 and 300 carries. 200 Carries at 4.0 = 800 200 carries at 4.5 = 900 300 carries at 4.0 = 1200 300 carries at 4.5 = 1350 Obviously I agree that a horrible line will impact a teams ability to run. But I don't think Miami's line will be significantly below average. I know Bitoni's rankings had them at 25th, but in a bell curve distribution, thier is a greater difference between 25 and 32 tha
  3. Yea, I think this is where I am at. No matter what happens (lose job, medical), it would be nice to know I have a roof over my head.Another reason it is important to me and my situation is that because the wife and I do not have kids, we do not have life insurance. I know this is frowned on but either one of us can easily cover the mort if anything would happen to the other. So I justify paying the mort early as a bit of an insurance policy as well.I don't get it. Why would anyone frown upon you not having life insurance? In your case it does not sound like you need it.Maybe its just frowned
  4. I have the same concern with a 401k. I may want access to that money before I hit 59 1/2. My company matches 50% of what I put in, so I obviously get that. But the extra money I have I am more likely to invest outside of the 401k rules so i can use it if I need/want to.
  5. I'm confused what the richest guy meant. He wants you to borrow to the hilt for 30 years.... then just sit on the cash whilst it decays to inflation? If he meant invest it... then sure.I'm understand the paydown camp, but I just can't help thinking its just an ok idea.I am paying down my loan more by refinancing from a 15 to a 10 year loan and dropping my interest rate to 2.6 from 3.8However, I will not consider paying a dime extra on that loan because i'm pretty damn confident i can beat 2.6 in the market.Theoretical $10,000 i had on 1/1/12 could've 1) put towards my mortgage.. effect
  6. http://www.moneychimp.com/features/market_cagr.htm The CAGR of the stock market from 2001 to 2011 is less than 2%. I didn't count inflation for that, as inflation doesn't impact home prices either way. As the baby boomer generation retires and more and more jobs become automated, I expect it to be much harder to maintain a 7-8% annaulized rate of return. Less people working means less going in via retirement planning. Less going in means less price support. And less price support means that people with a lot of money will start looking elsewhere to maintain their expected rate of return. I thi
  7. It's that unreasonable to think anyone would agree with him on any topic?
  8. So you're 100% in oil? I applaud your intelligent use of diversification.http://live.wsj.com/...6B-9DC23DD82BEF I agree that buy and hold is for idiots, but the truely idiotic thing that people do is to invest thier financial future into a mechanism that they do not understand. If you cannot explain what you are buying, and why you expect it will increase in value, you are better off paying off your house or keeping your savings in cash. Diversification can still be a good strategy for people who can't pay the same level of attention as Warren Buffet. Meaning, if you think the stock market wi
  9. 13,021.82 right now.So two and half months of QE3 has produced a 0.2% market gain.The Fed's bag of tricks might be losing their potency.ETA: I hope those mocking LHUCKS realize that the Fed wouldn't have decided to start QE3 if there wasn't some degree of truth to what LHUCKS said. It doesn't QE stable or good markets.QE3 will have more impact starting next year. The plan is to keep lowering mortgage rates, but most folks can't come up with the money to refinance until after the property taxes have been paid for escrow purposes. So expect more refis to take place in January, and the effects of
  10. So you're 100% in oil? I applaud your intelligent use of diversification.http://live.wsj.com/video/cuban-on-investing-diversification-is-for-idiots/233AE43E-9DA3-40A3-8F6B-9DC23DD82BEF.html#!233AE43E-9DA3-40A3-8F6B-9DC23DD82BEF I agree that buy and hold is for idiots, but the truely idiotic thing that people do is to invest thier financial future into a mechanism that they do not understand. If you cannot explain what you are buying, and why you expect it will increase in value, you are better off paying off your house or keeping your savings in cash. Diversification can still be a good strat
  11. The solution that BIG is trying to achieve is to provide everyone with the basics of life. We can agree that those basics are food, shelter, and clothing (some may add health care). The challenge is how to do that efficiently. Giving money is the most efficient way of distributing benfits, but has no limitations on use. This allows people to use that money on objects not required for survival. And as a society, I don't believe we can deny someone food because they spent their money improperly. But I wonder if expanding some existing programs in the same method will work. What if everyone got
  12. Exactly. After college move into a house with 4 or 5 of your buddies. Have a pool , ping pong , billiards, and have a great time .I don't know many losers with physically and emotionally attractive significant others. I bet this strategy doesn't last your entire life.
  13. I like the part that it takes away government's ability to influence society. I think the mortgage credit is a bad idea.
  14. Nobody can say how much there is except you who say that it's rampant.... against all evidence.Solid. To be fair, this argument does cut both ways. You can't prove it's not happening any more than he can prove it is.It doesn't cut both ways.Depending on the voting place and their policy, of course it does. When I walk in to my voting place, give them a name, sign a sheet with that name, vote and walk out how are you as a voting worker going to prove/disprove who I claimed to be?When the person whose name you voted in arrives to vote (and this is assuming you succeeded in casting your felonio
  15. Do you think we should have the government go on a massive hiring spree just to get the unemployment lower, regardless of how much it costs? It says in the article that federal government jobs had increased if you take out the post office.Yes, that's exactly what I think we should do. Labor costs are significantly cheaper right now than they will be when the economy is humming in a few years. If I were pulling the strings, I'd go on a massive hiring spree in the construction sector, rebuilding infrastructure while there is a large excess of available labor. Roads, bridges, airports, etc. We
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