I can appreciate a new car purchase when it is a low end economy car and the buyer has good credit but little cash. Financing a used car is almost always a more terrible alternative. If the car is purchased so the buyer can keep his job, a new car is not a luxury. Done responsibly it can make financial sense.

I am not at all interested in a Toyota Corolla yet I find myself driving one to work every day. I get my hands dirty but the cost of ownership still cannot be beat. New tires? $190. Six months of insurance $90 - $140. Transmission flush $50(?) Pads and Rotors $100(?) Honestly some of the stuff is cheap enough I…

=pmt(5%/12, 12*5, 25000)
Education complete.

I would disagree that we are irrational. First of all, access to reliable information requires a lot of effort. One could go through all that effort and then be presented with two options on election day neither of which is particularly appealing.

Hating congress is not the same thing as: 1. Hating your congressperson 2. Liking the opposition.

Runoff elections > primary elections in my opinion

Federalist papers were not educational, they were propaganda designed to garner support. Don't get me wrong, they're fascinating. However, I would argue our founders were similar to modern day politicians. They were concerned about money and power. They also thought very highly of themselves.

If you don't answer an interesting question like the one i posited it is nearly identical to every retirement portfolio calculator.

Oh I guess it does. I guess what I am saying is that it would be helpful if the calculator gave some guidance as to what the S&P 500 does after a crash over the next 1-5 years.

Not the greatest idea but keep in mind I was fairly young (12?). I sold 1/2 my savings bonds and empted my checking account and bought TROWE Science and Technology fund @ $12 per share. I continued to buy until it hit about $45. I transferred everything to TROWE health sciences. S&T went on to double again before…

The advisor was over-simplifying. My rates went down when I hit 30. My guess? Still in good health, but not a reckless 20 year old. Of course, this assumes you are still in good health. The advice could be, lock in low rates before your beer belly puts you in an overweight category or that skin blemish turns…

So this calculator assumes that the S&P 500 will dish out its long term average performance after a crash. Is that true? Typically I cut back on spending and invest more after a crash. Am I wasting effort or is this calculator overly simplified.

Most of the "none" laws have vague rules that allow for standards based on child maturity. I can't remember when my parents started leaving me at home with my sister. I think I was probably six. Not being allowed to stay home alone would have been very odd. In 4th grade I was waking up at 5am, walking 1/4 mile to…

I actually find myself with the opposite problem. I give out king sized candy bars. I live in a very small city with 4 wards. I live in the 2nd poorest ward (median household income 29,0000). I usually have 10 trick or treaters or less.

I was hoping this article would be about current policies that disproportionately benefit rich white men.

If being in debt isn't great, why would a debtor be concerned about his ability to borrow? Good debt/Bad debt. Being in debt can be great. It can also be awful.

A rock, just like a nail, would destroy an auger bit.

I went to use a vlookup formula out of laziness the other day. Forgot how they worked, went back to index/match before figuring out what goofy thing I did wrong. I made the switch when a particular sheet was taking 12 hours to calculate. At the time I didn't realize it would eliminate vlookup entirely, but it did.

I totally agree with you, except on price. K-cups cost far less than 50 or 60 cents and Nespresso often charges more than that. I actually use a reusable stainless nespresso cup, with a disposable aluminum foil cap.

I totally agree with you, except on price. K-cups cost far less than 50 or 60 cents and Nespresso often charges…

=Sumifs() = Countifs() =Index(Match(Large/Small))