I love personal capital. To be fair you have to be able to ignore their hard sales pitch for personal financial advice. They really want to take control of your portfolio. If that's something you want, their 1% fee is only slightly higher than the industry average. Based on their own data, though, they're never going…

I put a 3" hole saw blade on a little milwaukie impact. I went through 3 batteries to get through a 14" beam but it did the job eventually. These things are enough "drill" for most homeowners.

Unless you're drilling big holes get an impact driver and some bits for drilling smaller stuff. Technically you could abuse it by drilling too much but 90% of homeowners wont. Also, if you suck at putting in screws an impact driver is way more forgiving than a cheap drill.

0 is sci fi, irrelevance is obtainable. Technical jobs could be performed offsite with an internet connection. Regional robotic and IT repairmen would make a decent living maintaining equipment for 5 stores or so. A janitor and a customer support specialist would round out the the on site staff.

Raise our minimum wage to $10, not much will happen. However, Germany is a HORRIBLE example. Their minimum wage is 8.50 euros an hour and 80% of their population falls under collective bargaining agreements.

While higher minimum wage, overall, would not necessarily lower employment levels... the idea that we are going to need cashiers and fast food workers is overly specific. Between robotics and near field communication, eventually "high" wages and cheap technology will lead to a dramatic shift.

Labor costs in my…

Why are we always going to need fast food workers and walmart cashiers?

Cut one minute of commercials per game and lose $20,000 in revenue, or more. MLB teams are inking deals worth nearly a million per game for TV rights. There is no way the system works without that revenue. It would turn MLB into MLS. Did you see that amazing MLS match last night? No, because it wasnt on tv.

In 1952 a baseball game was LESS than 2 hours long. We could add the commercials and still be at 2 hours and 40 minutes.

In the 1960s a baseball game was two and a half hours long.

I agree, if you're going to end up in a five bedroom McMansion, just start saving. The risks and transactional costs of temporary home ownership are not worthwhile. Especially a fixer upper. Ever look at the return on the best ever remodeling projects? They're usually like 80%.

But we are in complete agreement about how the industry works. Just being a pro doesn't mean you kick everyone's ass. But you do. So why aren't you a pro?

It's not that you do better than me, it's that you claim you do better than nearly all hedge fund managers. I'm not being a dick. I'm just saying if you're that good at investing, then you aren't properly accounting for the time you spend researching. I personally know professionals that make seven figures that you…

So you're just not diversified. I suppose diversification is also for suckers?

Thats a waste of time. If it doesn’t impact cost they could just create unattainable products. Why would the government require Chevy to have a 100 mpg 250k SUV?

Yeah the collection and burning of potential emissions requires energy. Heavy trucks took a big hit when they adopted the standard. It’s improved somewhat but from a BTU standpoint they probably haven’t recovered. Using urea to create the heat lessens the MPG impact, but still uses energy.

The cherry is far more offensive.

Fruit is fine. As long is the blog is called inAdequate man. If they muddle my orange, I can forgive the barkeep. But a GD cherry? It just destroys the entire thing.

What is only possible in Cali? RTK is possible whenever there is a base station or CORS network. Also, with the right equipment mapping is probably accurate enough in many environments without RTK. You might need to clean up the data a little but active antennas, Glonass, and starfire (or other WASS correction) would…

My ETF trades are free. I do charge for my time when I select ETFs and mutual funds. It must be obvious that it requires far less time to pick a mutual fund or ETF.

I have no idea how one could adequately diversify and dollar cost average without hundreds of trades per year. Just one of my ETFs owns 3800 stocks. …