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[quote=carlsbadworker]40K at the current interest rate is just $5 or $6 a day. Just saying. There is some magic that the low interest rate could do for the price sensitivity. You made up for that much difference if the rate is 0.5% higher/lower.[/quote]
In last month 10yr T-bond has gone from 1.5 to 2, but 15/30yr Mortgage rates have only gone up 0.2%. If economic numbers improve, rates will rise. If there is big fight over debt ceiling rates will probably go down again.

Because rates are volatile, should you go for extra 40K home? Depends on cash flow, risk tolerance?

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The two biggest bond managers and what they have to say on bonds:

http://www.learnbonds.com/5-investment-recommendations-from-pimcos-bill-gross/

http://www.learnbonds.com/6-market-predictions-from-bond-guru-jeff-gundlach/

Total Return for the 10 Year Treasury in 2013 – 3%
So good case is +3% bad case is -5%, doesn’t seem worth the risk.

If you still want some bonds may want to look at diversified bond fund with low volatility like Janus Short-Term Bond T JASBX. Expect 1-3%, no free lunch.

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[quote=KIBU]Just to make sure: “Violent Crime is at 40 year low” because “Number of guns is much higher than 40 years ago” ?

There are many ways to death and one can choose to talk about ALL of them. But we are focusing on the way to death via mass killings on our children at schools by guns, that should be and must be prevented.

On other matter, suicide deaths are deaths that should be and could be preventable as well. Perhaps by decreasing accessibility to the most efficient deadly weapon, the gun, many lives could be spared, no matter whose hands killed.

I don’t know about you but for me, the need for wearing a life jacket to feel safe and be safe in America means that a piece of my life and freedom has been taken away. Pro-gun people should pay attention to these when they want to encourage people to have guns at home or walk with guns or saving gun at work (school) to be safe. We feel if we have to have guns, life jackets, armor car, go through detectors…..those actually limit our freedom and also our rights to have a normal life away from a war like zone in America. And all that cost must be paid for the liberty of the gun owners.[/quote]
My point was that there is no causation between two. Life jacket/preserver recommendation was for swimming only since that is bigger problem than weapons for 14/under.

In order to reduce the random shootings there would have to be dramatic changes that majority of public just doesn’t want to accept such as massive taxes on weapons, artillery, guns safe reqts, big liability insurance, random inspections, etc. Minimum mandatory prison sentences for drug possession but none for illegal weapons possession for ex-cons,etc? BTW, even Utah has annual auto safety inspections.

It’s freedom man! The man has gutted the fourth amendment and has a million drones but these collectors don’t care, they gonna chase the boogeyman and stop the tyranny.

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[quote=EconProf]I think Blackstone is going to make a lot of money, and deserves to. Buying foreclosures or short sales or fixers is traditionally an entrepreneurial mom and pop venture, done a few at a time. But this is inefficient because there is a big learning curve involved, as can be attested by anyone who has tried it. Blackstone has discovered that the process is subject to economies of scale for a big company that does hundreds or thousands of houses at once. They can study the market to know how much to pay, can bid cash to idiot lenders anxious to unload, can analyze the property’s needs and send in their tried and trusted workers to quickly execute, then market the property for sale or rent. With this mass production approach they add the most value with the least cost and downtime and extract the most profit. We may resent their success because they are capitalizing on the distressed housing market, but like sharks cleaning up carcasses in the ocean, their profit-seeking is improving neighborhoods and serving society. Adam Smith would approve![/quote]
A Blackrock investor would say that they are doing what needs to be done in 0% rate environment. It is a very interesting asset class, possibly better than lumber. If they are too successful, they may outbid first time buyers with 100% cash and possibly overpay creating resentment from people who are losing out of the American dream?

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FBI reports that Violent Crime is at 40 year low. Number of guns is much higher than 40 years ago.

There were about 800 drowing deaths for kids under 15 in 2009.

There were less than 400 firearm deaths for kids under 15 including accidents, suicide and homicide.

DUI deaths caused by DUI drivers were under 2000 in 2009(not including people in same car as drunk).
About 181 kids under 14 killed by DUI in 2009.

The takeaway is that foremost we need more (bullet proof) life jackets. The majority of the firearm homicides occur in gang situations. Only big public outcry for random homicides, and they are limited.

In 2009, 31,347 persons died from firearm injuries in the United States, accounting for 17.7% of all injury deaths that year. The two major component causes of all firearm injury deaths in 2009 were suicide (59.8%) and homicide (36.7%).

Just love reading CDC journals in the middle of night.

http://www-nrd.nhtsa.dot.gov/pubs/811385.pdf

http://www.cdc.gov/nchs/data/nvsr/nvsr60/nvsr60_03.pdf

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See
http://piggington.com/ot_traffic_ticket

Mr. Ticket did work out.

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Just finished up last year with Arbitron (just bought by Nielsen) meters. Tracks radio and TV with audio frequencies with pagers for each family member. No web tracking. Mostly watch Netflix so not sure why they didn’t boot us, but I guess it’s hard for them to get Piggington crowd. Believed we were picked because I filled out a couple of surveys year before. Figured would put all money in son’s account so it’s his first job. He needs to keep track of pager, charge it nightly, etc. so it’s good that way.

It’s kind of cool to have favorite radio TV shows count and hide pager when NBC ticks you off for not carrying live Olympics, etc.

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[quote=CardiffBaseball][quote=paramount]I’m sure this is not news and I won’t go into details except to say that defense is getting hit pretty hard right now in San Diego.[/quote]

SAIC’s relocation to the East Coast will be complete around the first quarter of next year. The only thing remaining will be those supporting contracts with business units that have a local presence. All corporate functions, IT/Finance/AP-AR/Treasury/HR and exec management moving to the east coast.[/quote]
Do you know how many positions that are being eliminated in San Diego?

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[quote=flu]Next, the Institute will assess midsize moderately priced cars, including such top-selling models as the Ford Fusion, Honda Accord and Toyota Camry.
[/quote]
Wonder if Accord will have same protection as the TL? Wonder if Ford cars will retain strong safety culture imported from Volvo since Ford has sold Volvo?

Bet the automakers are ticked off since most cars are 4-5 stars and they thought they could coast regarding safety.

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[quote=squat250]i have a new idea for enhancing college performance.

let kid get the “dorm” experience by living close by campus in student type rental housing and hang out with student roommates and work for a living for a year before going to college.

in this way, he can party his ass off, kind of hang out at the college he’s intereste din, sit in on some classes, meet people, but not ahve to do any academic work, accumulate no debt, but kinda clear his head or cloud it, depending on how things go.

i probably shoulda done that.[/quote]
Its a great idea, though it’s not too late. Meet you at the “Old School” with W Farrell.

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[quote=flu]Groupon!!!!!!!!!!!!!!!!!!!!!!!!!!!

http://finance.yahoo.com/news/groupon-earnings-beat-forecast-revenue-201445927.html%5B/quote%5D
But, but my cousin who is in her early 20’s told me last year everyone her age is using Groupon and I listened to the man who told me to watch what the youngsters are doing.

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[quote=flu]Those FB put options at $27 looking pretty tasty now…

[quote=markmax33][quote=ninaprincess]Wow, these are scary allegations if true. I watched the 60 minutes clip on Groupon and I don’t trust that CEO at all. I think I will hold on to my money for now. Thanks very much for your advice.[/quote]

Nina,
The below information is pretty false. Google’s success is in advertisement from the those little ads at the top of and side of the screen you see all the time. Groupon is not an ad company and has a huge transaction fee for everything. Zynga and Facebook are exactly the same as Google, they will make money from ads and go through the roof as ad budgets get shifted from TV to online. It is shifting like 2-3% per year AND the estimated amount of ad revenue Facebook makes from each user is about $125/user. It is a very powerful business model for those that truly understand this is not a web stock. Take it from someone who called Google, Apple, Chipotle, VMware, etc. Don’t let the anyone over 35 give you advice on a tech stock. Watch the under 35 crowed and see what they are doing and you’ll find the next successful company.[/quote]

I guess some of us >35 year old but < 40 year old who survived web 1.0 were kinda right after all...[/quote] Darn, chipolte znga and fb havent done too well in last month. Maybe under 35 crowd got jobs and can't waste all day on games anymore. We can only hope!

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[quote=flu]zyggggggggggggggggna!!!!!!!!!!!!!!!!!

Zynga COO John Schappert leaves

http://finance.yahoo.com/news/zynga-coo-john-schappert-leaves-213337733.html

Faceeeeeeeeboook…

Facebook platform executive leaves…

http://pandodaily.com/news/facebook-platform-executive-leaves-company/

You know what is truely disgusting about Web 2.0 companies??? You know in the past Web 1.0 companies, employees and insiders would at least TRY to stay for about 1-2 years post ipo..

These new web 2.0 employees don’t even bother to try. The moment the shit hits the fan, they’re out the door… Once folks figure out the IPO was complete dud…bye bye…

Nice huh? The future of america is gonna look very very interesting…Absolutely disgusting….[/quote]

How much is his $40M stock package worth now? Because he did a job that few people are qualified for, we need to reprice options to $1.

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Thanks for the suggestions but the problem is water pressure at the spout is varying so the supply line from garage may be too small or some other reason pressure is varying even if no other faucet is on. Doesn’t make sense but could it be if sprinklers and showers are all going on the block less pressure to go upstairs bath tub? Simple work around is great showerhead that works well with low pressure. My uncles place in North Carolina has high pressure in bath tub with big showerhead almost as good as gym showers that drench you in 5 seconds.

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