Search found 137 matches

by dpmorel
Tue Jan 04, 2011 9:43 pm
Forum: Money Questions
Topic: Mint.com
Replies: 26
Views: 2061

<t>I use Yodlee for expenses and google docs for budgeting & networth tracking.<br/> Working for a cloud-based software company makes me realize that lots of people have access to your information, no matter what their policy is, so I've really thought about ending my online financial relationsh...
by dpmorel
Tue Jan 04, 2011 9:03 pm
Forum: Money Questions
Topic: [Disturbing]NYTimes: Investment returns depend largely on when you start and end
Replies: 20
Views: 1971

Don't forget the opposite effect of "a penny saved is a penny earned".
Every $100 of monthly cost removed from a budget = $24,000 return over 20 years. Hows that for a 20 year return!!!

by dpmorel
Sun Jan 02, 2011 11:47 pm
Forum: Money Questions
Topic: Getting Divorced.
Replies: 130
Views: 14362

<t>@InterfaceLeader - clearly everybody is going to agree about abuse/molestation!?!?!? Its not really worth mentioning.<br/> But your presumption about "loveless marriages" assumes that the next marriage will NOT be loveless and miserable. Unfortunately the stats for divorce are also not great on 2...
by dpmorel
Sun Jan 02, 2011 8:05 am
Forum: Money Questions
Topic: Viability of Network Marketing?
Replies: 12
Views: 1305

<r>Much like blogging, I think its a really bad way to earn income. There are lots of things that pay better for less hours that are more enjoyable than direct sales, affiliate programs and referal fees.<br/> But... if you do... here are two practical examples of what this looks like:<br/> 1. On my ...
by dpmorel
Sun Jan 02, 2011 7:06 am
Forum: Money Questions
Topic: Getting Divorced.
Replies: 130
Views: 14362

<t>Alex - you are pretty dead wrong about marriage and having children being mutually exclusive. <br/> Bearing children within "marriage" is a universal concept, a core trait of humanity shared across all cultures. It is as human as walking upright and using your opposable thumbs.<br/> I too was rai...
by dpmorel
Mon Dec 06, 2010 3:18 am
Forum: Housing Questions
Topic: Urban ERE
Replies: 13
Views: 1197

<t>I think New York is a great place to do ERE. The transportation system is arguably the best in the country (world?) especially given the price. <br/> Also, its so dense there is always a "frugal" choice for anything - eating, coffee, shoes, etc... (except parking). <br/> Lets also not forget abou...
by dpmorel
Tue Nov 09, 2010 4:00 am
Forum: Lifestyle Questions
Topic: Speculating on "normal" people's budgets
Replies: 22
Views: 1720

don't forget:
-$150 bank fees (overdraft & other bank ATMs are soooo convenient)

-$140/month credit card minimum payments

-$400/month to "where the fuck did it go"... i.e. ATM

by dpmorel
Thu Nov 04, 2010 3:33 am
Forum: Politics, and other eternal disagreements
Topic: Election surprise.......
Replies: 22
Views: 2456

<r>Sorry, I meant if you were a politician. Most votes in our "congress" (house of commons) are whipped, i.e. you have to vote along party lines. If you don't you are ejected from your party. Whipping is very strict in Canada.<br/> <URL url="http://en.wikipedia.org/wiki/Party_Whip_%28Canada%29">http...
by dpmorel
Thu Nov 04, 2010 3:02 am
Forum: Miscellaneous
Topic: Tax Shelters/Corporate Investments
Replies: 4
Views: 622

<t>Ok - so a guy I play soccer with is a financial planner. Normally I avoid these guys like the plague, but I like this guy so I decided to let him come over and give his pitch.<br/> So I am technically incorporated and my work contracts me through my company (I work remote in Toronto, HQ is in NYC...
by dpmorel
Thu Nov 04, 2010 2:37 am
Forum: Lifestyle Questions
Topic: Another Low-Cost Living Example
Replies: 18
Views: 1742

<t>really??? health care??? That stops people from living outside of the world of day jobs?<br/> How little do you have to make to get medicaid/care?<br/> I wonder if being a reservist in the US armed forces provide benefits/health care? Could be a good way around it?<br/> Also, isn't the Jacob-esqu...
by dpmorel
Thu Nov 04, 2010 2:31 am
Forum: Politics, and other eternal disagreements
Topic: Election surprise.......
Replies: 22
Views: 2456

one more reason I'm not surprised that the Ds suffered. They rode a wave of youth in 2008. The youth are notoriously bad voters and they were down about 6% across the board in voter turnout.

by dpmorel
Thu Nov 04, 2010 2:29 am
Forum: Politics, and other eternal disagreements
Topic: Election surprise.......
Replies: 22
Views: 2456

<t>@alexoliver - why didn't the dems ride on what they did??? To quote the Bill Clinton campaign.... "its the economy stupid" <br/> People tend not to care about legislative battles and bank reform when they can't get jobs. Unemployment has not gotten better under the dems.<br/> (also, please excuse...
by dpmorel
Thu Nov 04, 2010 2:23 am
Forum: Politics, and other eternal disagreements
Topic: Election surprise.......
Replies: 22
Views: 2456

<r>I am absolutely unshocked that incumbents are getting their asses kicked. I wish it went further. The only way to get rid of the current stale ideas in Washington being barfed up by Ds and Rs alike is to get rid of the existing power structure.<br/> @gibberade - its hard to be a Canadian knocking...
by dpmorel
Tue Nov 02, 2010 7:18 pm
Forum: Lifestyle Questions
Topic: Another Low-Cost Living Example
Replies: 18
Views: 1742

<t>One more quick note on this. Also he gets benefits + a pension through the naval reserves. And a free "crossfit" membership (i.e. real military training).<br/> He spent his last week piloting a patrol boat off the coast doing "intercept" excercises. I spent my last week integrating to the twitter...
by dpmorel
Tue Nov 02, 2010 7:13 pm
Forum: ERE Journals
Topic: Going blue-collar
Replies: 40
Views: 5509

<r>I googled "highest paying blue collar job". The list was surprising.<br/> <URL url="http://www.top-colleges.com/blog/2010/05/19/top-ten-highest-paying-blue-collar-jobs/"><LINK_TEXT text="http://www.top-colleges.com/blog/2010/0 ... llar-jobs/">http://www.top-colleges.com/blog/2010/05/19/top-ten-hi...
by dpmorel
Tue Nov 02, 2010 7:02 pm
Forum: Lifestyle Questions
Topic: Another Low-Cost Living Example
Replies: 18
Views: 1742

<r>A while back I posted about my brother-in-law.<br/> <URL url="http://forum.earlyretirementextreme.com/viewtopic.php?t=494"><LINK_TEXT text="viewtopic.php?t=494">http://forum.earlyretirementextreme.com/viewtopic.php?t=494</LINK_TEXT></URL><br/> Over the weekend I met a guy (good friend of my wife)...
by dpmorel
Sun Oct 31, 2010 4:00 am
Forum: Lifestyle Questions
Topic: Create the PERFECT ERE Life...
Replies: 84
Views: 10633

i am somewhat amazed nobody suggested "high" finance/day trader. Extremely high paying field and learning to invest is invaluable skill for "retirement". Generally going near money is a good way to make money.

by dpmorel
Thu Oct 28, 2010 1:51 pm
Forum: Lifestyle Questions
Topic: Create the PERFECT ERE Life...
Replies: 84
Views: 10633

<t>My recommendation - <br/> 1. Forget trying to predict the future of what jobs will be around.<br/> 2. Follow your passion, if you love your work, you won't need to retire. Trades, arts, start your own company, etc. Never, ever quit because determination is the main predictor of success many ventu...
by dpmorel
Thu Oct 28, 2010 1:33 pm
Forum: Money Questions
Topic: Example of why I like dividend growth investing
Replies: 8
Views: 939

<t>Here's what I can't make sense of:<br/> <br/> Almost every commodity is up massively! Commodities are expected to explode, esp agriculture. So how is CPI so low???<br/> I then worry that inflation/rising costs puts pressure on some of those big companies paying dividends. Might be difficult for t...
by dpmorel
Thu Oct 28, 2010 1:25 pm
Forum: Lifestyle Questions
Topic: Global competition for software engineering jobs
Replies: 16
Views: 1400

<t>I think we also overestimate the pay scale gap/cost savings. One problem is that people see it as a tit for tat problem and compare the price of a single developer at an hourly rate.<br/> Average outsource dev shop prices:<br/> <br/> India - $25-$35<br/> <br/> China - $15-$25<br/> <br/> US (NY &a...