Sorry, but what you are saying makes no sense.

If you’re a cautious person, a 15 year mortgage is not necessarily the right answer. If you lose your job and you have a lot of cash, you can keep paying the mortgage. If you lose your job and you have a lot of equity, you have fewer options.

You know you’re obsessed with the wrong things when you reply to a 2 year old post because you’re in such a hurry to push your opinion. Nice.

You refuse exercises with silly names? Because they ooze of insecure fear of being seen as less macho? Isn’t that just revealing your own insecurity? Your muscles don’t care a bit about the name.

Thank you for your well reasoned, kind, and information response. You added so much to the discussion.

Yeah, I agree. Keep it open. As I understand it, the act of closing doesn’t itself lower your score, but closing a long running account will likely lower your average age of credit and worsen your credit utilization.

That’s rich. You dismissed a “personal attack” after your previous comment?

Oh, and since he can’t dismiss my replies to myself, here’s what I actually wrote:

In case anybody thought they should take HomerJPlatypus seriously, I pointed out the fact that his juvenile Ad Hominem attacks against SEN-1138 undermined his argument.

If you want to be persuasive, I recommend you don’t lose control and start flailing away with insults. It undermines your credibility and detracts from the point you wanted to make. Temper tantrums don’t convince people. On the contrary, you will find that they cause your argument to be completely ignored.

I realize…

I personally stick with ETFs, but I don’t see why you would assume all mutual funds are bad. There are passive funds that track indices and have low fees. They have some nice advantages (like automatic reinvestment).

No. I have just read reviews indicating that they are better and last longer. I will probably find out for sure soon.

No. I have just read reviews indicating that they are better and last longer. I will probably find out for sure soon.

After seeing the hype, I gave one of these a try. And it’s absolutely worth it.

After seeing the hype, I gave one of these a try. And it’s absolutely worth it.

In fact, many of the Two Cents guides were selfishly written because I wanted to learn about the topic myself and then share what I learned

I’ve had success with rubbing (isopropyl) alcohol as well.

Came here for this. Not disappointed. :)

This is my strategy as well. And the one place is my pocket. If I change pants, the keys go from one pair to the other.

Sorry, I should have been more clear about what I was pointing out: Your base and exponent are switched.

Your exponents aren’t correct. A four character upper case password has 26 to the 4th possibilities. That’s only 456976 possibilities. Similarly, with your word example, it’s 1500 to the 4th. That’s 5,062,500,000,000 possibilities, not infinity.

Jazz over Bulls. Take your pick of either season. Karl Malone and John Stockton deserved a championship.