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Favorite team:Notre Dame 
Location:Metairie
Biography:
Interests:
Occupation:
Number of Posts:235
Registered on:3/27/2012
Online Status:Not Online

Recent Posts

Message
re: The first of the oil majors, COP, cuts the dividend - GoIrish02
[quote]The problem I see with that strategy is that you could miss out on substantial opportunities when markets dip.[/quote] Market timing doesn't work, DCA is the best way. There are numerous studies on this fact by people way smarter than us who've tried to find evidence to support one's abili...
Posted on Money Talk
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re: Those with children: how much are you saving per child for college? - GoIrish02
[quote]Assuming 25k a semester? Holy shite dude.[/quote] A semester at top 25 university has cost more than this for over 5 years. FYI, according to an article my wife found on Yahoo Finance, a single year of tuition at a private school in 2030 will cost about $175,000 at the current rate of i...
Posted on Money Talk
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re: VTSMX - Vanguard questions - GoIrish02
Deposit the lump sum in Prime Money Market, set up an automatic exchange into your set allocation of the same amount on the same day each month/quarter. Keep adding lump sums to money market when you can, repeat for 40 years, collect millions....
Posted on Money Talk
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re: Oil stocks - GoIrish02
VDE - Vanguard Energy Fund. It's an energy ETF and that mimics their energy index fund (without the index fund's $100,000 minimum investment and the ETF has a lower expense ratio). You get an index weighted exposure to all the big boys without having to worry about individual company research. Le...
Posted on Money Talk
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re: VTSMX - Vanguard questions - GoIrish02
Index funds are designed to be tax efficient, with TAXABLE dividends minimized. Less than 2% is common. This doesn't mean you're missing out on the dividends of all the underlying companies, but the fund manager offsets capital gains, earnings and dividends with losses as companies move on/off th...
Posted on Money Talk
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re: OT- Sort of...How can Tom Brady and New England not have cap trouble? - GoIrish02
Brady's salary isn't guaranteed for skill and injury, just injury only, i.e. he doesn't get his whole salary if he's cut, only if he's injured. It's a subtle accounting rule that gives them cap flexibility elsewhere. I read about it somewhere and essentially of his $20 million average salary, on...
Posted on Saints Talk
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re: Short Selling - GoIrish02
How does one short an ETF? I want short a commodities ETF, RJA. Or can I buy an inverse ETF that moves opposite this ETF. Thanks....
Posted on Money Talk
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re: Oil stocks - GoIrish02
Anyone have thoughts on VDE (Vanguard's Energy ETF)? My limit order got executed yesterday at $75, may put in another around $62.50 to keep DCAing going forward....
Posted on Money Talk
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re: Investing in rental property - GoIrish02
The townhouse is behind Hurwitz Mintz furniture on Airline, below Colapissa. It's a single-family 3 bed, 2.5 bath and rents for $2,500. It's its own townhomes association, each house is 2000-2100 square feet with garages. (I would avoid the townhouses between Colapissa and Edinburgh, much smalle...
Posted on Money Talk
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re: Investing in rental property - GoIrish02
Poochie, all good questions to be asking. If you're looking for tax benefits, they're going to be limited/eliminated if you've got a full time job and/or your MAGI exceeds a threshold. No one here has been able to answer my question (reposted below) about the phase out of rental deductions/losses. I...
Posted on Money Talk
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re: Longest adult relationship you have had without sex? - GoIrish02
Yep, pregnant sex is great. You missed out, buddy. You should knock her up again just so you can see what you were missing....
Posted on O-T Lounge
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re: How much do you pay for home security a month on your home? - GoIrish02
$25, wirelessly monitored through system's GSM card...
Posted on O-T Lounge
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re: Do these insurance rates for building a house seem ok? - GoIrish02
Don't need a policy to do basic math and derive a composite rate. ($1686/$300,000)*100 = 0.562 The rates I cited are for the Louisiana homebuilders association builders risk program....
Posted on Money Talk
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re: Do these insurance rates for building a house seem ok? - GoIrish02
[quote]I rent but don't have renter's insurance. The GC told me he has GL insurance. Is that fine?  [/quote] Yes and no, the GC has coverage for his operations on site, but you need liability protection for the premises itself that you and the bank own. For example, if some kids play on the site...
Posted on Money Talk
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re: Do these insurance rates for building a house seem ok? - GoIrish02
You don't have to cancel builders risk when you're done, it terminates automatically when you accept the final product and you don't get a refund. Builders risk is generally fully earned for the policy period on a one shot policy. Your rate is 0.56 per $100, kind of expensive, should be around 0...
Posted on Money Talk
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re: What are you buying for Black Friday and Cyber Monday? - GoIrish02
Lorex, their website had pretty good deals this weekend. I have their cameras at my house, I like them....
Posted on O-T Lounge
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re: Would you drive for uber? - GoIrish02
[quote]If it were as easy and profitable as they make it seem then everyone would be doing it.[/quote] And all your local cabbies would be driving taxis as nice as the Uber drivers! ...
Posted on O-T Lounge
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re: Would you drive for uber? - GoIrish02
[quote]Uber claims that when you're driving someone around their insurance policy covers you. [/quote] Uber covers you and Uber for liability only. Uber posted their entire auto policy online for insurance industry scrutiny. The grey area is only with respect to liability only during condition 1 ...
Posted on O-T Lounge
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re: Would you drive for uber? - GoIrish02
Don't do it, you make about $3 an hour, after self employment taxes and vehicle expenses. A driver has NO physical damage coverage whatsoever while operating, Uber only provides liability coverage for the duration of the ride. If you get in an accident, your insurer will deny the claim and cancel...
Posted on O-T Lounge
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re: Purchase Agreement /legal questions - GoIrish02
[quote] I also do believe it's possible for a person to not know they have a judgement. They could have moved and never received the notices about an unpaid debt or something.[/quote] This is happening to me right now. A contractor that renovated my bathroom in a rental condo and did a terrible ...
Posted on Money Talk
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