Search found 56 matches
- Wed Mar 24, 2010 9:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: estate taxes or personal income taxes ???
- Replies: 6
- Views: 1438
estate taxes or personal income taxes ???
Which is more complex, estate taxes or personal income taxes ???
- Fri Mar 12, 2010 7:50 am
- Forum: Personal Consumer Issues
- Topic: Which collar style do you prefer (Brooks Bros. dress shirt)
- Replies: 32
- Views: 12989
J C Penny shirts
Forward Point collar is my favorite.
I use J C Penny shirts.
I use J C Penny shirts.
- Fri Mar 05, 2010 7:08 am
- Forum: Personal Consumer Issues
- Topic: What type of glue should I use ???
- Replies: 15
- Views: 4630
J-B Weld or "metal epoxy" wooden whirligigs w bra
FarmGirl wrote:There is a website, thistothat.com , you pick the two surfaces you are attaching to and it tells you what glue works best.
www.thistothat.com was very helpful. My problem/application is to join a brass shaft to a wooden propeller for wooden whirligigs. I make whirligig. I would paste a picture of a whirligig, but I do not know how to insert on this website.
www.thistothat.com reads to use J-B Weld or "metal epoxy" (epoxy designed to glue metals). I like the idea of inserting a maple plug and thread maple.
- Thu Mar 04, 2010 6:37 pm
- Forum: Personal Consumer Issues
- Topic: What type of glue should I use ???
- Replies: 15
- Views: 4630
Re: What type of glue should I use ???
It is a BRASS RodRocket, CFP wrote:What glue to use ??? What type of glue should I use to glue a 1/8 inch threaded BRASS rod in a hole in pine ??? epoxy, polyurthene (Gorilla Glue),
- Thu Mar 04, 2010 5:34 pm
- Forum: Personal Consumer Issues
- Topic: What type of glue should I use ???
- Replies: 15
- Views: 4630
What type of glue should I use ???
What glue to use ??? What type of glue should I use to glue a 1/8 inch threaded rod in a hole in pine ??? epoxy, polyurthene (Gorilla Glue),
- Tue Mar 02, 2010 9:43 am
- Forum: Investing - Theory, News & General
- Topic: Why are interest rates and bond yield so low ???
- Replies: 21
- Views: 4239
Why are interest rates and bond yield so low ???
Why are interest rates and bond yield so low ???
I suppose determinants of interest rates and bond yield are:
1. investors transfer of money from equities to bonds in the last couple of years
2. Federal Reserve's "Fed Rate"
3. low or no inflation
I suppose "1. investors transfer of money from equities to bonds in the last couple of years" is the greatest contributor to low interest rates and bond yield.
I suppose Federal Reserve actions has the least affect of the 3 listed determinants.
What do you think ?????
I suppose determinants of interest rates and bond yield are:
1. investors transfer of money from equities to bonds in the last couple of years
2. Federal Reserve's "Fed Rate"
3. low or no inflation
I suppose "1. investors transfer of money from equities to bonds in the last couple of years" is the greatest contributor to low interest rates and bond yield.
I suppose Federal Reserve actions has the least affect of the 3 listed determinants.
What do you think ?????
- Mon Mar 01, 2010 9:11 pm
- Forum: Personal Consumer Issues
- Topic: use wood paneling or sheetrock for the walls ???
- Replies: 10
- Views: 8104
specification
What are your regulations in your area? "uninhabited building" specification What kind of actual construction was used in making of the building? 5/8" GP siding, 3/4" PT floor 'building' built to code with proper foundation/footings? stacked concrete blocks Does it have power? YES Does it have water? NO If so, I would use 5/8" sheetrock on the walls and ceiling. Most people use 1/2" sheetrock around here. I'd also be worried that if you haven't contacted your Building Dept. that making the workshop, might require outlets rated at 20 AMPs rather than the standard room 15 AMPs . . . dedicated circuits for power equipment and a dedicated circuit for lights. I have all this More than one exit might even be require...
- Mon Mar 01, 2010 3:09 pm
- Forum: Personal Consumer Issues
- Topic: use wood paneling or sheetrock for the walls ???
- Replies: 10
- Views: 8104
use wood paneling or sheetrock for the walls ???
I am building a 12' X 20' workshop/shed in my backyard. I insulated the walls & ceiling. I am in the process of installing the sheetrock ceiling. Should I use wood paneling or sheetrock for the walls ??? A couple of people have told me to use paneling on the walls for increased durability, and low cost, and rapid construction. I personally like sheetrock for the more formal appearance. I think paneling looks cheap.
- Fri Feb 26, 2010 7:55 am
- Forum: Personal Consumer Issues
- Topic: Best watch for around $5,000? [Archived]
- Replies: 1479
- Views: 348803
$5,000 watch
You are the type person I do not like.
- Thu Feb 25, 2010 9:24 am
- Forum: Personal Consumer Issues
- Topic: nice places in the world
- Replies: 107
- Views: 14783
Appalachian Trail (AT) in north Georgia or southern NC
Near the Appalachian Trail (AT) in north Georgia or southern North Carolina. The breath-taking beauty of the forest and rivers refreshes the soul. People around that area are wonderful too. I am an AT hiker.
If you want cultural things live in Asheville, NC. Actually wealth seems very unimpotant when you are in the mountains. Being there is what's important, not things.
If you want cultural things live in Asheville, NC. Actually wealth seems very unimpotant when you are in the mountains. Being there is what's important, not things.
- Thu Jan 28, 2010 2:00 am
- Forum: Personal Finance (Not Investing)
- Topic: Question about path to become a financial counselor/planner
- Replies: 21
- Views: 3653
Investment planning is 20% (NOT 100%) of financial planning.
Certified Financial Planners know and use
1) risk management (insurance),
2) estate planning,
3) tax planning,
4) investment planning, and
5) retirement planning.
Investment planning is 20% (NOT 100%) of financial planning.
1) risk management (insurance),
2) estate planning,
3) tax planning,
4) investment planning, and
5) retirement planning.
Investment planning is 20% (NOT 100%) of financial planning.
- Thu Jan 28, 2010 1:49 am
- Forum: Personal Finance (Not Investing)
- Topic: oil & gas royalties?
- Replies: 11
- Views: 2711
kept by the promoter or sold to his family; bad prospects
I am a petroleum exploration geophysicist. I have a MS in geophysics (oil exploration) and I worked in the industry 15 years. To evaluate the proposal you could hire a geologist or geophysicist who studies/works the geographic area of this prospect. This evaluation might take 1 to 3 days wages. I think your odds are around 1,000 to 1 that this is a good deal for you. Usually a good prospect is kept by the promoter or sold to his family; bad prospects are sold to the public.
- Mon Jan 18, 2010 8:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best Will Software
- Replies: 15
- Views: 4376
I recommend Willmaker Plus.
I recommend Willmaker Plus. If I was going to hire a lawyer to prepare documents, I would still use Willmaker Plus.
- Sun Jan 17, 2010 12:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: Relocation Package with Federal Gov't Job Offer
- Replies: 11
- Views: 5363
Govt relocation expenses are good.
Govt relocation expenses are good. I think employer will either pay all usually expenses or none. If they do not want to hire you, they will not pay expenses. Moving expenses are taxable income. Govt will reimburse you for the taxes you pay on moving expenses. I relocated many years ago and I thought they where very liberal. There is some deal about 30 days motel & food expense, but in my case they extended it to 60 days because I was traveling upon getting to my new location. My family recieved the 60 days of food & motel while I was traveling initially.
- Sun Jan 17, 2010 11:05 am
- Forum: Personal Finance (Not Investing)
- Topic: Begin IRA or 401K withdrawals instead of begin SS
- Replies: 11
- Views: 2967
LTC gain in regular account or STC gain IRA
Another consideration is withdrawals from a regular account is LTC gain taxed at a low rate. Withdrawals from a IRA or 401K account is ST gain taxed at a high rate. I can withdraw from either. I think I will make withdrawals from my regular account. Although I say I retired at 62, my earned income is $25,000 in my 63 year due to a early retirement incentive bonus.
- Sun Jan 17, 2010 10:49 am
- Forum: Personal Finance (Not Investing)
- Topic: Begin IRA or 401K withdrawals instead of begin SS
- Replies: 11
- Views: 2967
Re: Begin IRA or 401K withdrawals instead of begin SS
SSCRITIC, Thanks. You are right, I was wrong. I was thinking the 6.67% reduction years where the early years, but they are the late years. The reduction is 5% in the early years. If you are already 63, the increase in your benefit from waiting will be until 64 (from 80% to 86.667%, 6.67% more) a 8.33% increase+COLA. until 65 (from 80% to 93.333%, 13.33% more) a 16.67% increase+COLA. until 66 (from 80% to 100%, 20% more) a 25% increase+COLA. Time value of money is partial accounted for by COLA. The immediate decision is whether to wait till 64 YO. I, nor hardly anyone, gets a garantee 8.33%+COLA return. Should a retired 63 year old begin IRA or 401K withdrawals, instead of beginning getting SS benefits ???? Would it be a better strategy to b...
- Sun Jan 17, 2010 8:55 am
- Forum: Personal Finance (Not Investing)
- Topic: Begin IRA or 401K withdrawals instead of begin SS
- Replies: 11
- Views: 2967
Begin IRA or 401K withdrawals instead of begin SS
Should a retired 63 year old begin IRA or 401K withdrawals, instead of beginning getting SS benefits ???? Would it be a better strategy to begin IRA or 401K withdrawals and delay beginning taking SS until age 64 or 65 ?? I have a pension but it does not provide enough money to live on.
There is a 25% reduction for beginning at age 62.
There is a 18.33% reduction for beginning at age 63.
There is a 13.33% reduction for beginning at age 64.
There is a 25% reduction for beginning at age 62.
There is a 18.33% reduction for beginning at age 63.
There is a 13.33% reduction for beginning at age 64.
- Sat Jan 16, 2010 9:12 am
- Forum: Personal Investments
- Topic: Forgot to file 8606, now what?
- Replies: 20
- Views: 10988
Research the purpose of the 8606.
Research the purpose of the 8606. This will relieve some anxiety. 8606 is used to track deductible and nondeductible contributions, which becomes important when you begin taking distributioins. 8606 is primarily for your benefit.
- Wed Jan 13, 2010 9:22 am
- Forum: Investing - Theory, News & General
- Topic: Are financial plans worth it?
- Replies: 15
- Views: 3023
REAL finanial planner, such as a Certified Financial Planner
-------------------------------------------------------------------------------- If these imputs/assumptions are wrong, then isn't the whole plan useless? Are you advocating NO Plan is better than a plan ???? Since I am a CFP, I am strongly favor having a financial plan AND investment management service. I would caution you to use a REAL financial planner, such as a Certified Financial Planner (CFP) or ChFC, not a self described financial planner, who usually are Registered Representatives (RR) (salesman) of Broker-Dealers. People who are not CFP or ChFC is proof, that they did not train to be qualified to do financial planning. Registered Representatives (RR) (salesman) make aliving by telling clients to sell whatever you own and buy somet...
- Wed Jan 13, 2010 8:57 am
- Forum: Personal Finance (Not Investing)
- Topic: immediate annuity questions
- Replies: 13
- Views: 2585
fair price for financial planning service
Play a fair price for financial planning service.
--commercialism deleted--
This is too much money to be guessing about what strategy to use.
--commercialism deleted--
This is too much money to be guessing about what strategy to use.
- Wed Jan 13, 2010 8:50 am
- Forum: Personal Consumer Issues
- Topic: How much does a facelift cost?
- Replies: 17
- Views: 3102
How much does a facelift cost?
How much does a facelift cost ????
- Mon Jan 11, 2010 9:03 am
- Forum: Personal Finance (Not Investing)
- Topic: bus fare from Cancun to Merida ???
- Replies: 14
- Views: 2575
bus fare from Cancun to Merida ???
What is the bus fare from Cancun to Merida, MX ??? I read a Mexican website about fares and it showed approximately $240. I do not know if $ refers to pesos or US dollars.
- Mon Nov 16, 2009 9:56 am
- Forum: Personal Investments
- Topic: GOOD calculator of converting a tradition IRA to Roth IRA ??
- Replies: 1
- Views: 1664
GOOD calculator of converting a tradition IRA to Roth IRA ??
What is a URL for a GOOD calculator/analyzer of converting a tradition IRA to Roth IRA ???? I have tried many calculators on the internet and a lot of them work poorly or give results which are not meaningful.
For example, some calculators do not use non-deductible contributions.
Some assume you cash-out your account at retirement.
For example, some calculators do not use non-deductible contributions.
Some assume you cash-out your account at retirement.
- Thu Nov 12, 2009 6:37 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard funds holdings overlap ????
- Replies: 4
- Views: 1947
Vanguard funds holdings overlap ????
To what degree do these Vanguard funds holdings overlap ????
Large Cap Index
Mid Cap Index
Small Cap Index
REIT Index
Total Bond Market Index
Large Cap Index
Mid Cap Index
Small Cap Index
REIT Index
Total Bond Market Index
- Thu Nov 12, 2009 6:16 am
- Forum: Personal Consumer Issues
- Topic: Veterans Day
- Replies: 10
- Views: 2105
Their death was such a tragic waste.
Two high school friends of mine, John Combs and Tim Davies, where killed in Viet Nam at around 20 years of age. Their death was such a tragic waste.
- Tue Oct 13, 2009 8:03 pm
- Forum: Personal Investments
- Topic: What is TSP's Lifecycle funds, L2040 ticker symbol ????
- Replies: 18
- Views: 10538
It would be a pain, but you could find a fund that follows the same indexes included in the L2040 fund and enter those in the appropriate percentage. Won't work with the 9% of G fund though. I have no idea how to proxy that one. I think the G Fund is equivalent to money market fund. Government Securities Investments. The "G" Fund is invested in very short-term U.S. Treasury securities (bonds) guaranteed by the federal government. These are unique government securities, backed by the full faith and credit of the US Government, available only through the G Fund. This is equivalent to a high-yield stable value fund, so there is no possibility of a loss of principal, and there is no risk of loss. As set forth by law, the interest pai...
- Tue Oct 13, 2009 10:42 am
- Forum: Personal Investments
- Topic: What is TSP's Lifecycle funds, L2040 ticker symbol ????
- Replies: 18
- Views: 10538
What is TSP's Lifecycle funds, L2040 ticker symbol ????
What is TSP's Lifecycle funds, L2040 ticker symbol ???? I need a ticker symbol to cause Vanguard's Portfolio Watch to operate properly. I do not think L2040 has a ticker symbol. I use Vanguard's Target Retirement 2030 ticker symbol to approximate TSP's L2040 for Portfolio Watch.
- Tue Oct 06, 2009 9:19 pm
- Forum: Personal Consumer Issues
- Topic: Advice on suits
- Replies: 46
- Views: 12143
this CANVASS about ??? What is this FUSED about ???
What is this CANVASS about ??? What is this FUSED about ???newbie001 wrote: ...... but the Signature Gold line is half-canvassed and when it's on sale can be had for something like $300, a solid value.
hat's another reason to spend a little more on canvassed suits rather than cheaper fused ones- the former generally withstand dry cleanings better.
Good luck!
I live in the south and suits and ties are getting quit rare. I work around the aerospace industry.
- Fri Oct 02, 2009 8:54 am
- Forum: Personal Consumer Issues
- Topic: Working as a VA physician
- Replies: 28
- Views: 21081
Gynecologist turned mechanic
Gynecologist turned mechanic A gynecologist had become so fed up with malpractice insurance and HMO paperwork and was burned out. Hoping to try another career where skillful hands would be beneficial, he decided to become a mechanic. He went to the local technical college , signed up for classes, attended diligently, and learned all he could. When the time for the practical exam approached, the gynecologist prepared carefully for weeks and completed the exam with tremendous skill. When the results came back, he was surprised to find that he had obtained a score of 150%. Fearing an error, he called the instructor, saying, "I don't want to appear ungrateful for such an outstanding result, but I wonder if there is an error in the grade.&q...
- Fri Oct 02, 2009 7:30 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard Target Retirement Funds
- Replies: 36
- Views: 8410
tax efficient is weak
[quote="dbr"]One difference in performance is that TR funds are not tax efficient in taxable accounts. Investors who have taxable and tax deferred accounts would prefer to separate stock and bond locations. /quote]
The original poster wrote he has TR 2040 which has a small (~10%) allocation to bonds, so this concern about tax efficiency is weak. You will not be paying much tax with 10% bonds. TR 2040 is tax efficient.
Using TR funds are an efficient use of your time. Keep doing it.
I am retired and I have TR 2030. I love TR Funds.
The original poster wrote he has TR 2040 which has a small (~10%) allocation to bonds, so this concern about tax efficiency is weak. You will not be paying much tax with 10% bonds. TR 2040 is tax efficient.
Using TR funds are an efficient use of your time. Keep doing it.
I am retired and I have TR 2030. I love TR Funds.
- Thu Oct 01, 2009 7:56 am
- Forum: Personal Investments
- Topic: Vanguard 2020 or Swensen
- Replies: 24
- Views: 5415
counter to conventional wisdom
These allocations seem counter to conventional wisdom.
a) Vanguard Emerging Markets Stock Index Fund (15%)
b) Vanguard Treasury Funds (15%)
c) Vanguard Inflation-Protected Securities Fund (15%)
15% EM is the extreme risk, and 30% Inflation-Protected Securities and Treasury Funds are extremely safe.
I personally would prefer
1) Use Total Bond Market Index in lieu of Inflation-Protected Securities and Treasury Funds.
2) reduce or eliminate EM entirely, since it is such high risk.
a) Vanguard Emerging Markets Stock Index Fund (15%)
b) Vanguard Treasury Funds (15%)
c) Vanguard Inflation-Protected Securities Fund (15%)
15% EM is the extreme risk, and 30% Inflation-Protected Securities and Treasury Funds are extremely safe.
I personally would prefer
1) Use Total Bond Market Index in lieu of Inflation-Protected Securities and Treasury Funds.
2) reduce or eliminate EM entirely, since it is such high risk.
- Wed Sep 30, 2009 7:56 am
- Forum: Personal Consumer Issues
- Topic: Outdoor Grill Recommendations?
- Replies: 26
- Views: 4378
Old Smokey www.oldsmokey.com
Old Smokey www.oldsmokey.com I been using old smokey BBQ pits for 30+ years. Tip: order an extra bottom grate. The bottom grate is the first thing to wear-out. They are light weight (around 5 pounds) which makes them very easy to clean. Low cost, depending on size, they cost around $30 to $60.
I had a Weber kettle. The bottom vents are too small and prone to blockage, resdulting in poor ventalation and fire going out. They are dificult to clean. I did not like the Weber kettle.
I had a Weber kettle. The bottom vents are too small and prone to blockage, resdulting in poor ventalation and fire going out. They are dificult to clean. I did not like the Weber kettle.
- Thu Sep 24, 2009 8:02 am
- Forum: Personal Investments
- Topic: TSP, F fund rather than Vanguard's Total Bond Market Index
- Replies: 2
- Views: 1638
TSP, F fund rather than Vanguard's Total Bond Market Index
What is better about the TSP, F fund rather than Vanguard's Total Bond Market Index Fund ????
- Thu Sep 24, 2009 7:53 am
- Forum: Personal Finance (Not Investing)
- Topic: Vending Machine Business
- Replies: 25
- Views: 5874
Buy USED machines. Dis-satisfied vendors sell very cheap
I had bulk vending machines for a few years. Bulk machines are the ones with $0.25 for a chicklette gum, boston baked beans, M&Ms, etc.
Profit is around 80% per sale. What is your machine profit ???? Know that information. I do not think your type machine have the profit nor volume. Buy USED machines. Dis-satisfied vendors sell very cheap. Start with a few machines, maybe 5 and see if you make any money. Disregard what the machine manufacturers tell you. They LIE about how much money you will make. Also know the shelf life of your products.
Profit is around 80% per sale. What is your machine profit ???? Know that information. I do not think your type machine have the profit nor volume. Buy USED machines. Dis-satisfied vendors sell very cheap. Start with a few machines, maybe 5 and see if you make any money. Disregard what the machine manufacturers tell you. They LIE about how much money you will make. Also know the shelf life of your products.
- Wed Sep 23, 2009 7:08 pm
- Forum: Personal Consumer Issues
- Topic: Best way to obtain a CFP?
- Replies: 35
- Views: 9179
Re: clarification
Splan this logic of yours.Zook13 wrote:Registered, yes. Pass the Series 65 with a CFP, no.Rocket, CFP wrote:In my state, you must be registered to give investment advice. 99% of financial planners give investment advice. I think there a are a few states (maybe 1-4) that do not reqiure registration.tarnation wrote:This is incorrect. Are you a CFP?Rocket, CFP wrote:
YOU CANNOT PRACTICE as a financial planner just by having a CFP(R). You must get registered with the SEC and pass series 65 exam to practice as a financial planner.
You must have series 65 to practice as a FP.
You must have 3 years experience to get CFP(R).
How do you get 3 years of experience at FP without a Series 65, prior to getting CFP(R) ???
- Wed Sep 23, 2009 9:46 am
- Forum: Personal Consumer Issues
- Topic: Best way to obtain a CFP?
- Replies: 35
- Views: 9179
Re: Best Way to obtain a CFP(R)
Crobets, Would you include secretary in a financial planning firm as experience ???Croberts wrote:"One year working half-time counts as 6 months. Experience is independent work, not assistance to someone."
This is false, the experience requirement is provision, support or direct supervision of any step in the financial planning process. CFP Board has a publication "Guide to Certification" that is available and can be downloaded from the website. It is well written and would answer (accurately) most of your questions.
- Wed Sep 23, 2009 9:43 am
- Forum: Personal Consumer Issues
- Topic: Best way to obtain a CFP?
- Replies: 35
- Views: 9179
Re: clarification
In my state, you must be registered to give investment advice. 99% of financial planners give investment advice. I think there a are a few states (maybe 1-4) that do not reqiure registration.tarnation wrote:This is incorrect. Are you a CFP?Rocket, CFP wrote:
YOU CANNOT PRACTICE as a financial planner just by having a CFP(R). You must get registered with the SEC and pass series 65 exam to practice as a financial planner.
- Wed Sep 23, 2009 8:19 am
- Forum: Personal Finance (Not Investing)
- Topic: Should parents pay their kids' college tuition?
- Replies: 79
- Views: 15169
paid for 5.5 years of college for my son
I paid for 5.5 years of college for my son. He obtained a 2 year degree (associate degree) in Paralegal Studies. He works for minimum wage, on call/part-time, at fast food and does not want anything better. His mother is the facilitator.
- Tue Sep 22, 2009 9:23 pm
- Forum: Personal Consumer Issues
- Topic: Best way to obtain a CFP?
- Replies: 35
- Views: 9179
clarification
The "Complete a CFP Board-Registered Education Program" process they site above seems highly unspecified timewise. I would imagine some sort of online process may be best for me. Whats the shortest time route so I could take the test? CHECK OUT Florida State University on-line CFP program. It is short. You must take around 6 college courses. Every college offers these courses when they feel like, so CFP Board cannot clearly state timewise when a college may offer these courses. You can take some courses concurrently. Also, I could become one of the other certifications if thats more straightforward, and then not have to take the "CFP Board-Registered Education Program". THIS WOULD BE a very inefficient way. To me, its in...
- Wed Sep 02, 2009 7:57 pm
- Forum: Personal Consumer Issues
- Topic: bourbon or scotch?
- Replies: 89
- Views: 14511
Bapttist, no alcohol
I am a Baptist. We never admit drinking alcohol.
Joke: Never go fishing with one (1) Baptist because they will drink all your beer. Go fishing with 2 baptists, and they will not drink your beer at all.
Joke: Never go fishing with one (1) Baptist because they will drink all your beer. Go fishing with 2 baptists, and they will not drink your beer at all.
- Wed Sep 02, 2009 7:50 pm
- Forum: Personal Consumer Issues
- Topic: What would you do if you were told you had 6 months to live?
- Replies: 45
- Views: 8755
do all shown PLUS Revocable Living or Credit Shelter Trust
Do all shown PLUS create a Revocable Living Trust or Credit Shelter Trust. Spare your family the hassle of probate. Then do the things you want to do. I would hike the Appalachian Trail if I had the energy. I am a prostate cancer survivor. I've already done most of it: I/we made wills. Made a "Living will". Prepared durable power of attorney for health and finances. Joint ownership on checking & Vanguard accounts. TOD on vehicles (so can be sold easily). Joint ownership on house. And most important , IMHO, prepared a loose-leaf notebook showing the location of EVERYTHING. Insurance, Vanguard accounts, websites, user names, passwords, guns, wills, deeds, coins, fire safe, bank box, checking accounts, veteran's benefits & pa...
- Fri Aug 14, 2009 7:32 pm
- Forum: Investing - Theory, News & General
- Topic: The Boglehead Philosophy vs. Market Timing
- Replies: 41
- Views: 9632
Thanks Taylor
Thanks Taylor. I copied and saved these quotes about market timing.
I will keep these as a reference.
I will keep these as a reference.
- Thu Aug 13, 2009 6:55 am
- Forum: Personal Consumer Issues
- Topic: Dealing with kids who are vandals
- Replies: 46
- Views: 14439
- Thu Aug 13, 2009 6:38 am
- Forum: Personal Finance (Not Investing)
- Topic: Protecting Assets From Nursing Home Expenses
- Replies: 39
- Views: 9633
For most people, they should quit bellyaching and buy LTCI.
For most people, they should quit bellyaching and buy LTCI.
- Mon Aug 10, 2009 6:48 pm
- Forum: Personal Consumer Issues
- Topic: NE Georgia / Western North Carolina - where to stay
- Replies: 16
- Views: 2806
ALWAYS hike the glorious Appalachian Trail
When I go to those area, I ALWAYS hike the glorious Appalachian Trail (AT). You will believe there is a God, when you hike the AT. I have been hiking sections of the AT for around 5 years.
- Mon Aug 10, 2009 6:44 pm
- Forum: Personal Consumer Issues
- Topic: Cancun Hints and side trips - help requested : )
- Replies: 29
- Views: 6607
Fly , do not cruise
I recently went to Cozemul and Calica on a cruise. I will go to Mexico again but next time I will fly. The cruise does not allow for enough time to see the sights.
- Sat Aug 08, 2009 5:30 pm
- Forum: Investing - Theory, News & General
- Topic: What is your Bonds AA allocation relative to your age?
- Replies: 13
- Views: 2985
20% bonds = age - 42
20% bonds = age - 42
Bonds are too boring. I have pensions income which influences my low amount in fixed income.
Bonds are too boring. I have pensions income which influences my low amount in fixed income.
- Sat Aug 08, 2009 6:53 am
- Forum: Investing - Theory, News & General
- Topic: S&P 500 Earnings Recovery Astonishing!
- Replies: 21
- Views: 4137
Inventory does not equal sales Inventory without sales=junk
[quote="neverknow"]
"The easiest way to manipulate via accounting, your earnings is how you value your inventory. Write it down, and you can reduce your earnings, write it up and you can increase your earnings. It is that simple."
What you are refering to is FRAUD. Inventory does not equal sales. Former Sunbeam CEO and take-over guru, used this scheme. He reported inventory (Bar-B-Q pits??) as though they was already sold. Inventory without sales = junk.
"The easiest way to manipulate via accounting, your earnings is how you value your inventory. Write it down, and you can reduce your earnings, write it up and you can increase your earnings. It is that simple."
What you are refering to is FRAUD. Inventory does not equal sales. Former Sunbeam CEO and take-over guru, used this scheme. He reported inventory (Bar-B-Q pits??) as though they was already sold. Inventory without sales = junk.
- Sat Aug 08, 2009 6:41 am
- Forum: Personal Finance (Not Investing)
- Topic: Why buy Un/Under-insured Motorist?
- Replies: 46
- Views: 10010
Under-insured motorist example
My teenage daughter, a pedestrian, was hit by a idiot car driver. She had 4 compound breaks in one leg. Driver had the minimum liability insurance, which is $25,000. Medical bills far exceeded $25,000. My Under Insured Motorist paid my daughter's medical bills. I increased my coverage after this acident.
As a side note, driver's and predestrian's automobile insurance companies refuse to pay, anything until you have a lawyer force them to pay. Typically lawyer collect 1/3 of what is recovered from insurance company. Medical insurance paid immediately, but later gets re-imbursed by auto insurance company.
As a side note, driver's and predestrian's automobile insurance companies refuse to pay, anything until you have a lawyer force them to pay. Typically lawyer collect 1/3 of what is recovered from insurance company. Medical insurance paid immediately, but later gets re-imbursed by auto insurance company.
- Sun Aug 02, 2009 8:01 am
- Forum: Personal Consumer Issues
- Topic: Good laptop for $500-800?
- Replies: 28
- Views: 6773
Tiger Direct, refurbished computers.
See Tiger Direct, refurbished computers. I bought a HP, with 4 GB memory, 320 GB disk, 17 inch screen, very high performance for $570. It has never given me any problems.