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by bolt
Tue Jul 22, 2008 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Gave a guy a personal loan, now he's not paying me back...
Replies: 127
Views: 25735

:D LOL not even a realative-------------smarten up !!!!!! Good luck!
by bolt
Tue Jul 22, 2008 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Similar sites?
Replies: 4
Views: 1741

Alex has the #1 site IMO why stray?..............think of ther input here...........Go!!!!!!!!! youll Bback! Good luck!
by bolt
Tue Jul 22, 2008 5:21 pm
Forum: Personal Investments
Topic: Ftse or Total international index
Replies: 3
Views: 1282

Its wise to ask SMART people,,,,,,,,,,,,FTSE is tax friedly and covers the WORLD X USA --------- THat and TSM sound nice
by bolt
Tue Jul 22, 2008 4:58 pm
Forum: Investing - Theory, News & General
Topic: These are the times that try men's souls
Replies: 101
Views: 22326

RICK I luvvvvvv your posts verrry enlighting. Damn Marines get there before ANYONE!~!~IMO Good Luck!
by bolt
Tue Jul 22, 2008 4:54 pm
Forum: Investing - Theory, News & General
Topic: Equity-fixed split versus S&D
Replies: 22
Views: 3967

You want to S&D?????? people NEEEEEEEEEEEEED RIETS. HCARE. ENERGY(were spoiled in USA) and a food and bankig index. You drive into ANY TOWN and theres a steeple and BKX!!!!!!!!!!!! ~ (contact Piperwarrior*(a plane) hes smart!~The Navy usually drops u off thought RIGHT? (insider info!!) Good LUCK!
by bolt
Tue Jul 22, 2008 4:42 pm
Forum: Investing - Theory, News & General
Topic: What would you do if your bank failed?
Replies: 32
Views: 5997

Under 1k in banks I'd weeeeeep! :( and bring a SBR or 2 LOL or a MCGunnnnnnnnnnnnnn J/K ....Gluck!
by bolt
Tue Jul 22, 2008 2:40 pm
Forum: Personal Consumer Issues
Topic: If you buy 1 kid a car do you feel obligated?
Replies: 7
Views: 2641

TIA for opinions.........just a new circimstance. My Mom and Dad like buying cars I guess w/their RMD's saved up Good luck!
by bolt
Tue Jul 22, 2008 2:30 pm
Forum: Personal Consumer Issues
Topic: Taylor, is that your ketch/yawl in your avatar
Replies: 4
Views: 2457

You Race also? it took us 2 days to get from boot key to key largo! :lol: Taylor was nice enough to invite me on a saturday "1 hr tour" but recalling gilligan** (me) I OPTED" for a 55 yrs old fantastic female captian and her 35ft boat(she was perddy) she was in the keys and and sum! D...
by bolt
Tue Jul 22, 2008 2:16 pm
Forum: Personal Consumer Issues
Topic: The smartest advice I ever got
Replies: 38
Views: 10227

Was from DAD.............HCare'as a steady winner! Good luck!
by bolt
Tue Jul 22, 2008 2:12 pm
Forum: Personal Consumer Issues
Topic: Freakonomics on Financial Literacy
Replies: 2
Views: 1590

JUST MHO but Im glad Im fairly well versed in the financial arena***** of life~(I only paid 1 late fee!) and passed my 63/65 FP tests here to do for me and mine Good luck
by bolt
Tue Jul 22, 2008 2:07 pm
Forum: Personal Consumer Issues
Topic: Can We Still Sacrifice for the Future?
Replies: 7
Views: 2419

Those who dont will eat cat food or be institutionalized ! :D ~Good Luck!
by bolt
Mon Jul 21, 2008 4:42 am
Forum: Personal Consumer Issues
Topic: If you buy 1 kid a car do you feel obligated?
Replies: 7
Views: 2641

If you buy 1 kid a car do you feel obligated?

Just a OT thread..........if you buy 1 of 3 kids a car because it would make things run better(1 kids living w/the other blahblah do you feel you must buy the others a car also ?????????? Less than 5k total. Looking for boards input! TIA! Good luck!
by bolt
Mon Jul 21, 2008 4:32 am
Forum: Personal Consumer Issues
Topic: Favorite Restaurant
Replies: 56
Views: 14877

My cooking style and my food...........cheap and actualy REAL not talipa@1.99'/2.99 subistuted for sea bass@11.99!~good luck!
by bolt
Mon Jul 21, 2008 4:24 am
Forum: Personal Consumer Issues
Topic: TV Antennas for NYC--wanna forget about cable!
Replies: 4
Views: 2530

I'd bet""they"" make it difficult. Work their way into your monthly expenditure, read the sig! ~ GOOD Luck!
by bolt
Mon Jul 21, 2008 4:17 am
Forum: Personal Consumer Issues
Topic: Debit Cards
Replies: 25
Views: 6005

...and offer no protection as a cc's might. Since 2000, Visa has had a zero liability policy (PDF) for both credit and debit cards. Bob THANKS CyberBoB,...I did noy know this(lol-ED McMahon) Maybe it'll beat MC? IIRC VS is about 75bucks vs MC @ 150ish......IIRC,... NOW im no single stock advocate ~...
by bolt
Mon Jul 21, 2008 4:12 am
Forum: Personal Consumer Issues
Topic: Debit Cards
Replies: 25
Views: 6005

I do believe theres a diffrence between debit cards and CC's just on the body language people have displayed in my observations... Bolt, can you say a little more about this? I don't understand what you mean. jg I wish I could. I just notice PParties or the like(any entrepenures) not liking DEBIT c...
by bolt
Mon Jul 21, 2008 4:05 am
Forum: Personal Finance (Not Investing)
Topic: Any loans...........
Replies: 1
Views: 882

Any loans...........

Must be fully understood....my dentist has 250k @ 8 -1/2 % thats alot imo.~ good Luck!
by bolt
Sun Jul 20, 2008 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Any Realtors here?
Replies: 3
Views: 1617

I was a agent, BELIEVE me I'd accept 4-5% GLADLY BUT they'll always want more-its human nature- offer 4% its bargaining time WITH THE TOWN when you boil it down!GOOD LUCK!
by bolt
Sun Jul 20, 2008 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Entrepreneurism
Replies: 9
Views: 2887

Just Do it!!!!! you only live once and its a bit of diversifacation right. You want to live your life or not!~ GOOD LUCK!
by bolt
Sun Jul 20, 2008 2:48 pm
Forum: Personal Consumer Issues
Topic: Newbie introducing self
Replies: 9
Views: 2605

Hello Ted. The best way to educate yourself about the investing style discussed here is to read some of the many books published on the subject. The Boglehead's Guide to Investing is a good place to start. Here are more books: http://www.bogleheads.org/readbooks.htm Welcome Ted............readreadr...
by bolt
Sun Jul 20, 2008 2:41 pm
Forum: Personal Consumer Issues
Topic: Debit Cards
Replies: 25
Views: 6005

Hi All I know is there not as welcomed in "discount cash" purchases @ gas stations in New England and offer no protection as a cc's might. I do believe theres a diffrence between debit cards and CC's just on the body language people have displayed in my observations.. I use cash or CC only...
by bolt
Fri Jul 18, 2008 5:31 pm
Forum: Forum Issues and Administration
Topic: What is a forum troll?
Replies: 16
Views: 5330

IIRC insuranceguy was,................just a pot stirrer, in the counter clockwise of the boards direction IYKWIM. Good luck!
by bolt
Fri Jul 18, 2008 5:27 pm
Forum: Personal Consumer Issues
Topic: So why did you choose your Avatar?
Replies: 51
Views: 11041

Dont have one dont need one dont give a crap ........but I like Taylors sunset w/a sailboat! its only the www !!! net!!!Good luck!
by bolt
Fri Jul 18, 2008 5:24 pm
Forum: Personal Consumer Issues
Topic: Had our ultrasound today....
Replies: 12
Views: 3856

John, start his trust fund NOW!!!!!!!!! college will cost a easy 150k @a state school in 18yrs! Good Luck!
by bolt
Fri Jul 18, 2008 5:20 pm
Forum: Personal Consumer Issues
Topic: Anybody use Gillette Fusion Power?
Replies: 14
Views: 5011

I have not actually tried it, but if you look closely at the packaging for the blades for the regular Fusion, it says that they fit "all Fusion razors." I looked because I wanted a new handle and the power version was on sale, even though I didn't want that feature. I figured I could get ...
by bolt
Fri Jul 18, 2008 10:17 am
Forum: Personal Consumer Issues
Topic: Anybody use Gillette Fusion Power?
Replies: 14
Views: 5011

All I know is its marketing, :roll: theres the 3blade THAT fits only the 3blade handle(silver/black) one it was designed for and theres the 4blade THAT fits ONLY the 4blade handle.(black-orange) :roll: Both are press button vibrate/buzz.w aa battery ~ Good Luck!
by bolt
Wed Jul 16, 2008 8:36 am
Forum: Personal Investments
Topic: Vanguard WINSOR-Freaking out!!
Replies: 20
Views: 5476

CALM DOWN I'm not being nasty. Windsor is a well balanced fund. Please do not sell low IIRC windsor has good % in Fixed income. Good Luck!
by bolt
Wed Jul 16, 2008 8:26 am
Forum: Personal Investments
Topic: Should I worry about market if I can live on dividends?
Replies: 16
Views: 4103

Taylors the guy that knows better than most here IMO but I to would say NO, Dividends dissapear sometimes. Good Luck!
by bolt
Wed Jul 16, 2008 8:17 am
Forum: Investing - Theory, News & General
Topic: Study shows retirees risk draining cash
Replies: 8
Views: 2381

I know my parents in their 80s are touching principal these days. These are thrifty depression era people whom never used to touch principal and have been downsizing last decade as well.Good Luck!
by bolt
Wed Jul 16, 2008 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Gave a guy a personal loan, now he's not paying me back...
Replies: 127
Views: 25735

Its a hard lesson to learn...........I'd estimate your chances as negative numbers. Sorry but Good Luck!
by bolt
Wed Jul 16, 2008 6:36 am
Forum: Personal Consumer Issues
Topic: Scott Burns' article on oil vs. the USA
Replies: 48
Views: 9672

I agree w/both the above posts R48 and AlohaJoe considering this statement by opec A LONG TIME AGO consider this: The stone age didnt end because they ran out of stones! :D
by bolt
Wed Jul 16, 2008 6:30 am
Forum: Personal Consumer Issues
Topic: Bud is now Euro?
Replies: 45
Views: 8487

Budwiser has always been MARKETED as american apple pie and ice cream beer but it always been crap beer IMO. Its been the marketing that sold that crap, who else would spend the kind of money they have on superbowl adds and all their other advertising. Its like bottled water!Good Luck!
by bolt
Tue Jul 15, 2008 12:32 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 300248

Re: post subject

Jazzman wrote:The Audacity of Hope by Barack Obama.
:D HES HOPES N DREAMS #1 SALESMAN!!!! :D
by bolt
Tue Jul 15, 2008 12:19 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 300248

"Economics in 1 lesson" by Hazlitt---its great!~ Good Luck!
by bolt
Tue Jul 15, 2008 12:16 pm
Forum: Personal Consumer Issues
Topic: Buying new car w/ slight hail damage
Replies: 9
Views: 6521

You might try to find out how the damage was repaired. We had a bad hailstorm in my area about 10 years ago. I had an insurance claim for my roof (of my house) which was damaged and completely replaced. My cars were in the garage but my father's car was damaged pretty badly by hail. The insurance c...
by bolt
Tue Jul 15, 2008 11:55 am
Forum: Personal Consumer Issues
Topic: Wholesale Inflation Rises by Fastest Rate in 27 Years
Replies: 9
Views: 3108

Beause the ,gov does NOT include food or energy in core CPI thats how I guage it. In April 08 the least I was paying was $3.05 for 87 octane Now its 3.99/4.10 I forget what it was a yr earlier but IIRC it's about doubled in 2yrs time IIRC/2bucks to 2.25 in 4/06? I EAT LESS being 20# overweight its b...
by bolt
Mon Jul 14, 2008 11:28 pm
Forum: Investing - Theory, News & General
Topic: Cramer ranting against buy-and-hold
Replies: 22
Views: 7768

He seems evasive,........ you really have to listen to his whole shtick...hes a trader! AND Hes got a adgenda! IRC watching the show and the ticker Cramer USED to say buybuybuy and maybe 20/50 people did! But no more. But he does advocate retaining a small % in core NLoad index funds till your @ 10k...
by bolt
Mon Jul 14, 2008 2:32 pm
Forum: Personal Consumer Issues
Topic: Cocktails for the Lounge
Replies: 42
Views: 9201

Bottled bluberry/rasberry wine......its a part of my .gov reccommended fruits intake. :oops:
by bolt
Mon Jul 14, 2008 2:22 pm
Forum: Forum Issues and Administration
Topic: Politics
Replies: 32
Views: 8191

You should see a sites I frequent, one has a "PIT" no holds barred for people to try to 1 up the other in articulation and stone throwing...........I think it stupid. You almost always NEVER get any agreements on religion or poltics and as said above theres always disagreement......indepen...
by bolt
Mon Jul 14, 2008 2:08 pm
Forum: Personal Consumer Issues
Topic: Did HardAssetsInvestor.com plagiarize my timber article?
Replies: 51
Views: 17705

Imitation is the most sincere form of flattery :?: ---That and someone(YOU) not requiring recognition for your "mentioned" hypothisis. IT certainly sounds like some plagerism but its more hassle than its worth pursuing any action,.....legally speaking.What do the kids say? " chill &q...
by bolt
Mon Jul 14, 2008 1:44 pm
Forum: Personal Consumer Issues
Topic: Outdoor swing set
Replies: 25
Views: 9780

:shock: Whats wrong with a tire swing and a mud puddle? Kids use to think this was lots of fun.....Plus its cost effective! :oops: ~ Good Luck!
by bolt
Mon Jul 14, 2008 12:25 pm
Forum: Investing - Theory, News & General
Topic: Should you own individual stocks? I bought Fannie Mae
Replies: 8
Views: 3068

R48......24 yrs old and next 4 decades =64 :wink: .....C'.mon now were not the girls at the bar [/u]:lol: I'm 63 and (as children say) 1/2 :!: R48 :lol; :O'so you've been retired for 20yrs? Good for you!!!!!! My mistake, I'd thought you were 50 or something :lol: Now it's like I'm talking to one of...
by bolt
Mon Jul 14, 2008 12:20 pm
Forum: Investing - Theory, News & General
Topic: Scottrade - Good/Bad/Ugly?
Replies: 50
Views: 16392

I thought I'd replied to this one already seeing its from march. However,.........in my experiance---FWIW> ANYTHING ADVERTISED ON TV LIKE "SCOTTRADE" has been needs EXTREME scrutiny imo!~ Do you see VG advertising alot like fidility has been lately? Scottade is for traders I'd suppose lade...
by bolt
Mon Jul 14, 2008 11:48 am
Forum: Investing - Theory, News & General
Topic: Should you own individual stocks? I bought Fannie Mae
Replies: 8
Views: 3068

I can add input on this one, my father/n/cousin got me interestd in the mkt in the late 80's saying buybuybuy. 90% went to NLoad VG core/sector funds in a AA I was coached in . HUSH-HUSH Then one day my cousin told be about this incrediable 2 for 3 stock split comming up on a midwestern bank conside...
by bolt
Mon Jul 14, 2008 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to buy a franchise
Replies: 18
Views: 5154

ttcbj presents some very strong considerations. Despite McDonalds franchising have made more millionaires in its past than any other(I read that somewhere) the hrs are 12-16+hrs a day, and a plethoria* of other problems. I'd DIY like ttcbj suggests, if your putting 250k down your bound to find a sui...
by bolt
Sun Jul 13, 2008 4:07 pm
Forum: Investing - Theory, News & General
Topic: Anyone exclude Mid Caps?
Replies: 30
Views: 6325

FWIW If your looking to overweight midcaps fully VGs "Stratigic Equity fund" is all computer generated-analized/midcaps IIRC. ~Good luck!
by bolt
Fri Jul 11, 2008 4:52 pm
Forum: Investing - Theory, News & General
Topic: career advice
Replies: 43
Views: 8361

MOST LAWYERs FRESH OUT OF SCHOOL IN BOS MAKE 50K + Bennies 1st yr stop yer crying! Unless of course hes "not lookig in the paper for employment"then its "connections" Good Luck!
by bolt
Fri Jul 11, 2008 4:45 pm
Forum: Investing - Theory, News & General
Topic: Hedge Fund Millions Reduced to Nothing
Replies: 30
Views: 7291

Thats what greed 'll n'special"""private equity funds get ya! I'd prefer TSM/TISM/TBM equaly split! its less volitile and less returns but its still there!------Send out the WHHHHHhhaaaammmbulance!
by bolt
Thu Jul 10, 2008 1:40 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle's advice on today's bear market.
Replies: 46
Views: 11758

I always apprieciate input from pros in the business of helping others like this boards "crew"of mods/adminstration. Thanks for the link Taylor and everyone else posting extra knowledge on this thread! :wink:
by bolt
Thu Jul 10, 2008 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Property Foreclosures
Replies: 18
Views: 4269

There are many "Schemes" getting rid of properties, shills in the auction crowd, and you need to know what you're getting in as much as surrounding property values can be found @ the registry of deeds/town hall tax wise/. I'd never do that ONLINE. Go look @ the property even if it means :o...

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