Friday, September 29, 2017
BeCos(play) It's Friday
Thursday, September 28, 2017
Stuck in the Middle with Clevage and You
Wednesday, September 27, 2017
Tuesday, September 26, 2017
Monday, September 25, 2017
Friday, September 22, 2017
BeCos(play) It's Friday
Thursday, September 21, 2017
Wednesday, September 20, 2017
Scotch Nature: I-Don't-Phone
Since it's in the headlines let's talk about the opportunity cost of the new $1000 i-phone, which you either up front or in commitments to overpriced cellular phone service.
So back to our original financial prepping premise that most Americans would have to go into further debt to cover a $400 dollar emergency. Yet they don't blink at shelling out two and a half times that for this little status symbol.
So let's say you get a $150 smart phone(check Amazon), what can you do with the remaining $850.
For starters if you were to drop it into your Roth IRA you could have $5821.20 in 25 years, not a nest egg by itself but certainly more valuable than the same i-phone well used is likely to be in 25 years.
If you haven't done any previous disaster preparedness you could get a decent all in one four person kit. Which when combined with your $150 phone will get your further than the $1000 phone alone.
If you're wanting to actually own your own house this is 1% of the price of a starter home in many parts of the country. Come up with another $16,500 and avoid paying PMI.
Or if you already have about a thousand dollars squared away because you've been paying attention to other parts of this series but you are still working on paying off things like credit cards. $850 will save you about $14 a month in interest. Are you telling me you don't have something better to do than keeping paying on 2013's Christmas?
Or since Christmas is coming up get yourself the less expensive phone and don't go into debt THIS year for once.
So back to our original financial prepping premise that most Americans would have to go into further debt to cover a $400 dollar emergency. Yet they don't blink at shelling out two and a half times that for this little status symbol.
So let's say you get a $150 smart phone(check Amazon), what can you do with the remaining $850.
For starters if you were to drop it into your Roth IRA you could have $5821.20 in 25 years, not a nest egg by itself but certainly more valuable than the same i-phone well used is likely to be in 25 years.
If you haven't done any previous disaster preparedness you could get a decent all in one four person kit. Which when combined with your $150 phone will get your further than the $1000 phone alone.
If you're wanting to actually own your own house this is 1% of the price of a starter home in many parts of the country. Come up with another $16,500 and avoid paying PMI.
Or if you already have about a thousand dollars squared away because you've been paying attention to other parts of this series but you are still working on paying off things like credit cards. $850 will save you about $14 a month in interest. Are you telling me you don't have something better to do than keeping paying on 2013's Christmas?
Or since Christmas is coming up get yourself the less expensive phone and don't go into debt THIS year for once.
Tuesday, September 19, 2017
Monday, September 18, 2017
Friday, September 15, 2017
BeCos(play) It's Friday
Thursday, September 14, 2017
Tuesday, September 12, 2017
Monday, September 11, 2017
Friday, September 8, 2017
BeCos(play) It's Friday
Friday Fuckoff Open Thread
Short weeks with a full week workload can fuckoff, with as much time and energy as I have left. That's admittedly not much.
The floor is yours angry readers.
The floor is yours angry readers.
Thursday, September 7, 2017
Wednesday, September 6, 2017
Tuesday, September 5, 2017
Monday, September 4, 2017
Sunday, September 3, 2017
Sunday Reading: Welcome to Our Crazy Years
Given that I've had to recently explain that not only were 1984 and Fahrenheit 451 weren't supposed to be instruction manuals but that The Stanford Prison Experiment wasn't either; I'll leave it to Glenn Reynolds to explain why Heinlein's Crazy Years weren't:
If you need me I'll be over here practicing how to rub blue mud on my belly button.
Another Keyboard Hung on the Wall
Alas it appears Goodstuff is hanging up the keyboard as far as blogging goes. I will miss his wit and his links. Tending the free icecream machine is in the end a hobby though and only worthwhile when you actually enjoy it and it hasn't become a chore.
Friday, September 1, 2017
BeCos(play) It's Friday
Friday Fuckoff Open Thread
Sanctimonious fucktards who aren't fit to scrub bilges getting their actual man-panties in a twist over the Cajun navy rescuing people can fuckoff with a running airboat prop.
And the Panty-fascists can fuckoff while being thrown from a helicopter.
The floor is yours angry readers.
And the Panty-fascists can fuckoff while being thrown from a helicopter.
The floor is yours angry readers.
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