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The issue (as far as I can tell) is that you’ll also be paying $15+/month to pay off your phone, or pay a few hundred up front for that. So $120 becomes at least $150/mo for 12gb w/ two phone because you pay for both the phone itself and the access to the data.

Mortgages are risky too (#1 Risk: LOSING YOUR HOME).

It’s not gambling if you keep the basics in mind. It’s just borrowing more against your home. Ultimately if you do so in a careful fashion, by evaluating at each place how much more debt load you are taking on and why you are doing it, you can manage the risk.

I am your 45 (okay 46) year old self, and my house is paid off; been paid off for 3 years. Paying extra each month, or stroking a check to the mortgage company for $10k a couple times a year instead of blowing it on a facebook-jealousy-inducing vacation may have kept me from being part of the cool crowd. But can I…

I make 80k, and I cannot fathom buying a 278k house based on that chart. We spent 196 on ours, and I wouldn’t want my house note to be any higher than it is right now. If I adjusted that chart down to the 4% we got ours at, they’d tell me to run out and buy a 300k+ house. That is the worst advice ever. Talk about…

Personally at about 17%, which is why I hope to retire at 55. Save now kiddos, it isn’t much fun, but your 45 year old self will thank you for it.

Apple:

Nobody crosses this bridge by me,
unless they pay me dollars three.

Why would want to use Apple to handle subscriptions for other services anyways?

Apple may be evil, but you just gotta laugh at how they be getting motherfuckers

Does Lenovo or Windows or Google get a cut when I play Spotify through Chrome on Windows 8 on my laptop? No.

Even worse, 30% of $12.99 is $3.90, so Spotify is only making $9.10 per month instead of $9.99 if you sign up through iTunes, while Apple does nothing.

Apple makes 30% off of anything sold in the iTunes store. This was why the whole book fiasco was declared illegal - they couldn’t compete with Amazon, who was selling at cost (or lower), in order to sell Kindles. As a result, Apple rewired the book industry, raising prices for all takers, and it allowed the growth of…

Nonsense. Experience has taught me I lose one pound of bodyweight for every 3200-3300 calories I burn up and not replace with food.

Or take an EC stack, not have a metabolic slowdown, and retain the 3500 = 1lb rule. This only works if you’re ACCURATE with your calorie intake, something they were not accurate with in the story above.

A good barometer is what is known as the 4% rule. In other words, the withdrawal you make from your portfolio your first year of retirement would be no more than 4% of the account's value, and would then be adjusted each year for inflation thereafter. If you had a million dollars, that 4% withdrawal equals $40K. Is…

If you're just looking for asset management, they can be a fine solution. But if you're looking for comprehensive financial planning or a little hand-holding when the markets get volatile, they're unlikely to fit the bill.

Can I talk you out of this? I'd much rather see investors build a well diversified portfolio of stocks, bonds, and cash through low-cost mutual funds or ETFs before trying to get fancy. There is no need to swing for the fences and hit home runs. You've got plenty of years of hitting singles and doubles to get you…

I found that it was easier to make more money then I could ever spend though.

Android has a lot of options for a lot of people. My first Android phone was the Casio Commando. A very tough phone right out of the box that survived water, drops, a dip in acid and a 4 year old tossing it in the toilet.