Wednesday, December 23, 2009
Sunday, December 20, 2009
Saturday, December 19, 2009
Thursday, November 12, 2009
Monday, November 9, 2009
Saturday, November 7, 2009
Saturday, October 31, 2009
Friday, October 30, 2009
Monday, August 31, 2009
Friday, August 21, 2009
Friday, August 14, 2009
Sunday, August 9, 2009
Wednesday, August 5, 2009
Saturday, August 1, 2009
Friday, July 31, 2009
Sunday, July 26, 2009
Saturday, July 25, 2009
Thursday, July 16, 2009
Random econ thoughts
Here is a thought to try on: it makes sense to borrow out of 401k as a auto loan. You get the lowest available rate, which u pay to yourself, rite? And its a loan against tax deferred earnings! PRE TAX, rite? Plus, unlike a normal auto loan, u aint gotta get full collission insurance. PLUS it don't even show up on your credit report in any shape or form. So then the next logical question is why aint it standard operating procedure if its o so good all around?! Why isn't your cpa telling u about it? Dunno.
One possible reason is the opportunity cost. As in how much u losing in market gains as the result of having that money out of the account? Incalculable. Or is it.
I suppose one could take some sort of Ibbots long term average return, and do a pv using that return, spread over the duration of the loan.
And also, perhaps more importantly, its an unknown, so rather like actually taking out a variable rate loan, which tracks the capital gains on your portfolio.
So. Essentially, assuming some sort of macro arbitrage, the difference in the rates between the auto loan ud get PLUS the cost of full collission coverage (and this could actually be the deciding factor: your particular premium situation) is in fact the risk premium associated w variable v fixed rate loan.
- zoya (mobile)
One possible reason is the opportunity cost. As in how much u losing in market gains as the result of having that money out of the account? Incalculable. Or is it.
I suppose one could take some sort of Ibbots long term average return, and do a pv using that return, spread over the duration of the loan.
And also, perhaps more importantly, its an unknown, so rather like actually taking out a variable rate loan, which tracks the capital gains on your portfolio.
So. Essentially, assuming some sort of macro arbitrage, the difference in the rates between the auto loan ud get PLUS the cost of full collission coverage (and this could actually be the deciding factor: your particular premium situation) is in fact the risk premium associated w variable v fixed rate loan.
- zoya (mobile)
Wednesday, July 15, 2009
Tour so far (day 2)
Pros: its a new bb! The screen is nice. The ui is nice. The included micro sd & sim cards are nice. The thing truly is a nice little 'puter. Cons: its really new so there are no apps. The browser just isn't as slick as I'm used to. Tempting to switch to page view but best keep to column view (as in pearl)
- zoya (mobile)
- zoya (mobile)
Sunday, July 12, 2009
Tuesday, July 7, 2009
Saturday, July 4, 2009
Friday, July 3, 2009
Things I like
I like fireworks and bridges and Japanese motos and ramen noodles and satalites
- zoya (mobile)
- zoya (mobile)
Saturday, June 27, 2009
Friday, June 26, 2009
Saturday, June 20, 2009
Friday, June 19, 2009
Friday, May 15, 2009
Saturday, May 9, 2009
Thursday, April 23, 2009
Thursday, April 9, 2009
Thursday, April 2, 2009
Monday, March 30, 2009
Tuesday, March 10, 2009
Sunday, March 8, 2009
Tuesday, March 3, 2009
Monday, February 16, 2009
Wednesday, January 21, 2009
Monday, January 19, 2009
Sunday, January 18, 2009
Monday, January 5, 2009
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