The post whore thread.

[Irving]

He has a fund of his own?? News to me.

Sorry, I read through this pretty quickly, and was thinking he had a fund of his own.

but if you use one of Dave Ramsey's ELPs (Endorsed Local Providers) for a small fee, they will get you set up with good funds that should average at least 3% better than any index.

I was confusing that with this JLCollinsNH article http://jlcollinsnh.com/2012/04/15/stocks-part-1-theres-a-major-market-crash-coming-and-dr-lo-cant-save-you/ where he talks about Dr. Andrew Lo that argues against the buy and hold strategy, all while suggesting the best way to insulate yourself from the market is to buy and hold. At the end of the article he has a follow-up where a commenter points out that Dr. Lo has his own mutual fund products, then in another update that Dr. Lo's fund actually folded after a few years of under performing the market. I've been doing a lot of reading and things are starting to bleed together.

[Irving]

I apologize for the long post that was not reloading related. Writing it all out helps me to process everything to solidify my plan of attack for the future.

[hghclsswhitetrsh]

Does this mean you guys are dating now?

[Irving]

We would, but I don't want Kazoo to feel like a third leg.

[hghclsswhitetrsh]

Hah. Excellent.

[Irving]

We were talking about naming chickens to be allowed to keep them as pets and my wife suggested we name one of them Barred Rock Obama. We laughed at that for about five minutes straight.

[Mazin]

Yo Ho's!!!

Just a heads up Stickers are in!
https://www.ar-15.co/threads/154496-...47#post1959747

[Irving]

Yeah, that's pretty good. You're making good money and that helps a lot. Our biggest problem is our expenses. Cost of living is stupid expensive here. Utility bills on a house that is 50% as big as our CO Springs house are usually 250-350% higher here. Food is more expensive. Gas is more expensive. Taxes are stupid high. Mortgage on tiny house is high. I'm beginning to regret buying a house here. It was a pretty emotional decision, and probably not a wise one.

A lot of those costs are tough (but not impossible) to reduce. The tougher it is to reduce costs the better you know you're doing at least. I don't know how the market is out there, but would it be at all reasonable to rent the house you bought out there and just move into a rental yourself? Immediate concerns would be
- if your mortgage won't allow you to rent for a certain amount of years.
- you'd have to pay capital gains taxes once you actually sold the house since you didn't live in it for at least two years.
- the renters could cause damages beyond the already thin benefit of having rented the property.

Since you will have to be out there for at least the years, you could consider renting the last year if it turns out the market is on the upswing again. Since property values and rent process tend to rise together, you'd have more of a chance at making money, and more protection from renter damage. That's of course if there is another real estate bubble building in such a short time from now.

[Great-Kazoo]

Yo Ho's!!!

Just a heads up Stickers are in!
https://www.ar-15.co/threads/154496-...47#post1959747

WTF There's advertising pop-ups in PWT now!!

[Great-Kazoo]

We were talking about naming chickens to be allowed to keep them as pets and my wife suggested we name one of them Barred Rock Obama. We laughed at that for about five minutes straight.

Name them for what they are

Sunday dinner

robbie roaster

carmela casserole

bobby beer can