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ummm yeah right. i'm sure if the loser were offered a home, he'd turn it down because, as well all know, being homeless is the ultimate american dream. :D

i don't know if exotics have a higher rate of catching fire, or if it's because they're rare so when one catches fire, it makes the news. but i personally know two people whose exotics spontaneously combusted. but when you're packing 500 horsepower in a very confined space, with a 23 gallon...

the cap rate of 4-5% in calif is normal. it has been like this for decades, even before the bust. if anything, when housing prices take a hit, the cap rate should go up. yeah, 4-5% sucks and the people who invest in Calif real estate are doing it for appreciation. they just hope to break...

this article was written in early 2008 when most people who defaulted were deadbeats with no money. nowadays, people who default are deadbeats with money and substantial assets. you can bet banks aren't going to let them off the hook easy, especially when the deficiency is in the hundreds of...

i would pick: a full-face chemical respirator, a large bottle of bleach, and a large bottle of ammonia. mix the two and everyone in the store will die from the fumes in an hour, except me and anyone else smart enough to have a respirator (so far nobody here :) ).

you are overestimating the power of your weapon. don't compare a flame-thrower that runs on slow-burning napalm with your hand-pressurized weed sprayer that runs on fast-burning lacquer. your weapon has a range of 18 inches at best, and its range dwindles with each spray. a broom stick is a...

i'm in calif. around my area, the gross cap rate (annual rent divided value of home, before any expenses) is around 4-4.5%. i used to own properties in texas and the gross cap was 8-9%. maybe it's different now, but i never found any place in the country that was 12%

LOL, where do homes appreciate 5% every year for 15 yrs? and no, the $1m gain in your example is not totally tax free. the limit is $250k/500k single/married.

forearm curls aren't good for improving grip because you use really light weights. best way to improve grip is to do the heavy pull exercises: pullups, rows, deadlift, and shrugs (especially the last two!). and don't use wrist straps

well around here renting is definitely better financially. for example, a $1 million home would rent for about $43,000 per year. on the other hand if you bought the home outright, you are "paying" an annual opportunity cost of $100k (i can easily make 10% on the $1m). then add the...

the two most commonly used retail brokers that offer PM are IB and TOS, and both have stricter PM calculations than CBOE PM (which is similar to span). instead of discussing PM in general, you need to create a demo account at one of these brokers and test for yourself. i would not rely on...

most people here arguing in favor of buying have forgotten to include the opportunity cost of the down payment. here in Calif, you'd have to put down $200k to 300k to buy a mediocre house now. if the renter makes 10% annually by investing it, he comes out ahead over the long run. of course...

i wouldn't mind renting long-term instead of buying, but the properties i would consider buying and living in are not available for rent. you guys making the rent vs. buy argument haven't considered practical implications. perhaps if you were considering a 2-bedroom condo or average...

all the brokers i've seen also carry private insurance (typically by lloyd's of london). you can get around the $1mm coverage limit on cash by putting your excess cash into money market mutual funds or buying IB efp's. they are treated as securities for the purpose of insurance coverage...

you need energy and water. portable generators have no use if there's no fuel; hence i would buy a lot of solar panels and batteries to store the energy. with energy, you can grow your own food and purify water for drinking. you also need weapons and ammo to protect your solar panels.

the average chinese isn't smarter than the average american. maybe even dumber. you guys haven't been to china; don't assume that just because you see a lot of chinese at universities here, that all chinese are smart. it's because we let the smartest and wealthiest come to our universities to...

i have a tanita scale. its BF measurement can vary +/- 1%. that's why you shouldn't rely just on the BF scale. there are 2 other ways to measure BF: calipers and tape measurements. i could never get consistent measurements with calipers so i tossed them in the trash. BF derived from...

2500 calories is only 0.75 lbs of fat.

it generally takes many years to recoup the cost of a degree. starting at 49 is way too late. even if she completed her degree i doubt she would have broken even, considering the years of lost wages + tuition. at 49, people's mental skills and health tend to decline. it means more sick...

they need to fire more teachers, too. i can't believe there are schools where they're trying to maintain 22-25 students per classroom. WTF!!!!!!!! back when i was in school in Calif, all my classes were 28-33 per teacher, and it didn't stop me from attending college, graduating and having a...