Search found 192 matches

by totallystudly
Tue Jan 21, 2020 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 17038

Re: Why retire?

I have never likes working, office politics, and every job was just different crap but crap nonetheless...

There's literally a million things I'd rather be doing in a thousand different places other than working...it just isn't fun
by totallystudly
Thu Jan 16, 2020 6:50 pm
Forum: Personal Consumer Issues
Topic: strong role model books for 8 YO girl
Replies: 53
Views: 3461

Re: strong role model books for 8 YO girl

Can't hurt me David goggins
by totallystudly
Fri Dec 20, 2019 10:43 pm
Forum: Personal Investments
Topic: Huge loss on FDX single stock
Replies: 78
Views: 5299

Re: Huge loss on FDX single stock

[/quote] most here are taking the line “this is why you don’t buy individual stocks.” It seems the takeaway should be “don’t sell put options” [/quote] Nothing inherently wrong with selling cash secured puts...same risk profile as covered calls and it is better than sitting around with a limit order...
by totallystudly
Fri Dec 20, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Minor's settlement payments starting to come in - where to put them?
Replies: 22
Views: 1791

Re: Minor's settlement payments starting to come in - where to put them?

Index fund for 20 years in a trust for her and don't tell her about it till then?
by totallystudly
Fri Dec 20, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: How to Protect Your Most Important Asset
Replies: 45
Views: 6776

Re: How to Protect Your Most Important Asset

How do we use funds to protect our health? I came up a few ideas so far and may be overlooking some others: <(a) Pay for gym membership/personal trainer/classes,> Gym memberships aren't that expensive really, usually 1-2 dollars a day. No need to do any luxury gyms with steam rooms, unless you reall...
by totallystudly
Fri Dec 20, 2019 9:34 pm
Forum: Personal Investments
Topic: Value of dividends?
Replies: 33
Views: 3611

Re: Value of dividends?

Morgan Dollar 1921 wrote:
Fri Dec 20, 2019 9:32 pm
For the 2019 tax year, you will not need to pay any taxes on qualified dividends as long as you have $38,600 or less of ordinary income
Last I checked, a married couple can make up to 93-94k annually in qualified dividends and pay ZERO in taxes...

That has a value to me
by totallystudly
Fri Dec 20, 2019 9:20 pm
Forum: Personal Investments
Topic: Value of dividends?
Replies: 33
Views: 3611

Re: Value of dividends?

Qualified dividends get taxed at a much lower rate and you are silly if you think the market is always going to fairly value any investment or companies are going to have a consistent growth rate. It isn't as simple as just pay out $1 vs reinvest $1 for a higher share price eventually. I can point t...
by totallystudly
Fri Nov 29, 2019 8:21 am
Forum: Investing - Theory, News & General
Topic: When a company repurchases its shares, does the company become less valuable?
Replies: 61
Views: 4649

Re: When a company repurchases its shares, does the company become less valuable?

It is a way of juicing your EPS when you can't grow much organically. IBM did this for years to increase their EPS (same earnings divided by shrinking number of shares) and it hasn't done much to actually increase shareholder wealth.

I'd rather have the cash dividends
by totallystudly
Tue Nov 26, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: Parents Living Well Diminish Children's Motivation in Life?
Replies: 54
Views: 3345

Re: Parents Living Well Diminish Children's Motivation in Life?

If living poorly increased motivation, then you would expect kids from poor families to outperform their wealthier peers. That doesn't happen, and the research shows there is very little social/economic mobility in the U.S. I agree on the motivation part. I think exposing kids to a better life will...
by totallystudly
Tue Nov 26, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Parents Living Well Diminish Children's Motivation in Life?
Replies: 54
Views: 3345

Re: Parents Living Well Diminish Children's Motivation in Life?

If living poorly increased motivation, then you would expect kids from poor families to outperform their wealthier peers. That doesn't happen, and the research shows there is very little social/economic mobility in the U.S. I think kids from poor families would do much better if they had the same o...
by totallystudly
Tue Nov 26, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Parents Living Well Diminish Children's Motivation in Life?
Replies: 54
Views: 3345

Re: Parents Living Well Diminish Children's Motivation in Life?

If living poorly increased motivation, then you would expect kids from poor families to outperform their wealthier peers. That doesn't happen, and the research shows there is very little social/economic mobility in the U.S. I agree on the motivation part. I think exposing kids to a better life will...
by totallystudly
Sat Nov 23, 2019 4:39 pm
Forum: Investing - Theory, News & General
Topic: Options, calls , puts
Replies: 18
Views: 1350

Re: Options, calls , puts

Gotta be way more specific about your actual strategy to gain or protect yourself.

Covered calls and cash secured puts can reduce risk in most market environments and generate income.
by totallystudly
Sat Nov 23, 2019 12:00 am
Forum: Personal Consumer Issues
Topic: Getting text messages (spam?) offering to buy my home
Replies: 25
Views: 2367

Re: Getting text messages (spam?) offering to buy my home

These violate the TCPA and I'd sue them
by totallystudly
Tue Nov 19, 2019 2:21 am
Forum: Personal Finance (Not Investing)
Topic: What to do (career/life)
Replies: 18
Views: 2314

Re: What to do (career/life)

Start with some dating apps Lol. He asked for advice, not how he can hate life more. Datings apps are trash for men. 99.4% chance of not even matching with someone according to the stats. That's not worth my time. I demand success in my life, and I am generally unhappy (focused) for the most part. ...
by totallystudly
Sun Nov 17, 2019 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Lawyers who get monetary compensation for spam faxes?
Replies: 7
Views: 1600

Re: Lawyers who get monetary compensation for spam faxes?

I am well aware of this and know people who sue. Spam calls and text messages are really where it is at now. Some people do junk faxes but most do telemarketing or spam texts over junk fax cases. Does anyone know anything about the lawyers who advertise on the internet that they can get $500 per spa...
by totallystudly
Thu Nov 14, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 21
Views: 1820

Re: Looking at buying a foreclosure Dallas area cash

Also they want cash the day of the auction. That's not a problem. Also do the calculation, that after doing your due diligence, looking for contractors and tradespeople, time and money spent in fixing possible problems with the house, angry tenants, etc... That it might be worth your while just to ...
by totallystudly
Thu Nov 14, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Productizing an idea
Replies: 28
Views: 1837

Re: Productizing an idea

[/quote] Why wouldn’t you patent an idea you plan on turning into a product? Seems that skipping that step opens the door wide open for others to claim the idea as theirs. [/quote] We are talking about kitchen gadgets, not car parts. If it is a good idea people will just copycat it, patent or no pat...
by totallystudly
Wed Nov 13, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Productizing an idea
Replies: 28
Views: 1837

Re: Productizing an idea

Everyone is wrong. Dont spend any money on lawyers. Don't file a patent. Don't do any of that nonsense... Go on Alibaba.com, talk to a Chinese company that makes something similar now. Chances are they can make what you are talking about or something close to it already exists. Take your specs and r...
by totallystudly
Wed Nov 13, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 21
Views: 1820

Re: Looking at buying a foreclosure Dallas area cash

I'm not planning to flip the house, more focused on just getting a deal on a good place to live. That said, I probably do need to look at local contractors/handymen for smaller tasks...

I'm definitely going to do all the searches for liens or legal issues surrounding the place, all good ideas..
by totallystudly
Wed Nov 13, 2019 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 21
Views: 1820

Re: Looking at buying a foreclosure Dallas area cash

The auction is usually to satisfy one of the mortgages. After you buy, other mortgages and leins can remain. That’s interesting. This possibility never occurred to me. How would you find out if this is the case? Is it disclosed at auction or do you need do do your own research beforehand? Generally...
by totallystudly
Tue Nov 12, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to start a business
Replies: 23
Views: 2344

Re: How to start a business

I have read up a few books on setting basics of business like forming LLC etc. But more confused than be able to find answers on what business to actually start. I did an MBA in 1995, so have some financial academic knowledge- but never worked in the business side of things. Getting an MBA was $ wa...
by totallystudly
Tue Nov 12, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 21
Views: 1820

Looking at buying a foreclosure Dallas area cash

Anyone have experience doing this? I'm looking at buying a foreclosure in the dallas area cash at auction. I went to one last month and there is definitely some value there, but a LOT of unknowns as every property up for auction doesn't actually get auctioned, so on a list of 20, they may start at p...
by totallystudly
Tue Nov 12, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: phone bloop
Replies: 14
Views: 7165

Re: phone bloop

The bloop sound is part of the vicidial source code when the call connects. Vicidial is one of the most popular open source autodialing programs It is a telltale sign of vicidial, so when you are saying a telemarketer and they claim it wasn't an autodialer and you play a recording with the bloop, th...
by totallystudly
Mon Oct 28, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: How long is too long to receive an order from an online merchant?
Replies: 9
Views: 653

Re: How long is too long to receive an order from an online merchant?

I ordered a gun part from Czechoslovakia and it got here in like 2-3 weeks....if it takes longer than that, they aren't trying
by totallystudly
Sat Oct 26, 2019 3:10 am
Forum: Investing - Theory, News & General
Topic: SPXX -- Nuveen S&P 500 Dynamic Overwrite
Replies: 16
Views: 1438

Re: SPXX -- Nuveen S&P 500 Dynamic Overwrite

Couple things, do those charts show total returns including dividends? Do the total returns consider the tax efficiency of the distributions which are likely classified as return of capital? As a closed end find with premiums and discounts to NAV, do you think this is really a good proxy for compari...
by totallystudly
Mon Sep 23, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 10662

Re: Physical activity suggestions for a non athletic youth

Is weight lifting too early for an 11 year old? No. I started at 12 and earned an athletic scholarship to a tier 1 University. My husband and I are not particularly athletic either and the most “sport” we do is weekly hikes through our town trails. Other than my oldest we are all normal weight and ...
by totallystudly
Tue Sep 03, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 6518

Re: Not gaining weight on vacation?

1) I'm a "she" and not a "he Apologies, but let's not pretend basic human biochemistry doesnt apply to adult women. I can calculate macros in my sleep. Oh I'm sure you are quite capable of simple math being on BH. I'm just saying you aren't doing it, particularly when eating out, particularly when ...
by totallystudly
Mon Sep 02, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 6518

Re: Not gaining weight on vacation?

Really. Japan and living on salad and whey protein???


If you are having trouble controlling your Diet, yes. If you eat out or indulge one Day, you need to cut back the next one. There's more to do while traveling than just eating.
by totallystudly
Mon Sep 02, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 6518

Re: Not gaining weight on vacation?

Wow - lots of judging and assumptions in this. Every body is different. We aren't that different. I just played NCAA div 1 football and have been around powerlifters and bodybuilders since I was 12. Just applying facts and science to the scenario. Base assumption is we are talking about homo sapien...
by totallystudly
Mon Sep 02, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 6518

Re: Not gaining weight on vacation?

I take a vacation and gain 8 pounds...spend two months losing the weight...go on another vacation and regain the 8 pounds...repeat . It should never, in any universe take you 8 weeks to lose 8 pounds. [Comment removed - mod oldcomputerguy] Gaining I pounds eating a bunch of carbs is pretty easy. I ...
by totallystudly
Sun Sep 01, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: New Foreign Service Officer: Who do I talk to about State Domicile
Replies: 15
Views: 1829

Re: New Foreign Service Officer: Who do I talk to about State Domicile

Former army officer here. There's really nobody to talk to about this. Just change your state of residency, I think it's the w4 form. Pay your property taxes and call it a day
by totallystudly
Fri Aug 09, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 11382

Re: Critique my exercise routine because it's not working for me

Bottom line, you aren't training with enough intensity and your diet is off. Weight loss/recomp is all about diet, diet, diet.

You should be going at least 10 sets of 10 for major muscle groups per week plus 45 min of cardio.

Cut carbs to zero and you'll lose weight like it's your job.
by totallystudly
Fri Aug 09, 2019 8:15 pm
Forum: Investing - Theory, News & General
Topic: Why do dividends still exist?
Replies: 204
Views: 13253

Re: Why do dividends still exist?

IBM is a shining example of how buybacks don't increase share value and dividends would have been better for everyone
by totallystudly
Sun Jun 09, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to start outsourcing?
Replies: 21
Views: 2263

Re: How to start outsourcing?

2. Personal Trainer - Manage my body to maintain strength, flexibility, and mobility long-term. Hold me accountable. 3. Nutritionist - Mange my diet. Hold me accountable . These two are very simple, but not easy mostly because you can never, ever outsource this and only you can ultimately hold your...
by totallystudly
Thu Apr 04, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 15806

Re: Folks in their 60s and above. What early investment on health do you recommend.

I would add brush your teeth and supplement soluble fiber. All manners of health issues are tied to gum disease/poor oral health from heart disease to potentially Alzheimer's. Soluable fiber does wonders from keeping your blood sugar stable, killing off hunger, to helping offset high cholesterol, an...
by totallystudly
Fri Mar 01, 2019 5:36 am
Forum: Non-US Investing
Topic: [How to rent when no earned income but enough assets?] [Australia]
Replies: 10
Views: 1164

Re: How does index investing wok in retirement if you don't own a house?

If you have cash, credit doesn't matter. Income isn't super important either. I have rented multiple houses with no w2 or 1099 income. I had just sold a business for a low 6 figure amount and had almost half a mil in the bank total. I sent them my bank statement and told them I could buy the house c...
by totallystudly
Sat Feb 23, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Robocall from someone in my phone contacts?
Replies: 24
Views: 2144

Re: Robocall from someone in my phone contacts?

I get tons of calls and sue the telemarketers once I do some investigation into who they are.
by totallystudly
Fri Feb 15, 2019 2:35 am
Forum: Personal Finance (Not Investing)
Topic: Trying to Simplify things while maximizing benefits and bonuses
Replies: 0
Views: 329

Trying to Simplify things while maximizing benefits and bonuses

Ok, I have a Schwab account, BOA Premium rewards at the Platinum teir, a Schwab account/brokerage, and just opened a Fidelity CMA. I trade primarily through IB. I also have a self directed IRA/HSA that I am looking at moving somewhere in the next 3 months not earning much interest at Equity Trust. I...
by totallystudly
Fri Feb 15, 2019 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 36151

Re: Early retirees, how much did you leave on the table?

I am essentially early retired and I know I left a lot of stress, headaches, worry, late nights and early shifts and about 50 pounds on the table. I'm quite happy with life right now.

I could have more money, but i doubt more happiness.
by totallystudly
Mon Feb 11, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: What Happens If You Ignore Being Served a Lawsuit?
Replies: 68
Views: 6019

Re: What Happens If You Ignore Being Served a Lawsuit?

Posting on the door is not a proper way to serve. It has to be given personally to an individual, which is identified on the proof of service document. The court will not consider it. If you do recognize it by responding, you will be considered properly served, though. Should you however receive a ...
by totallystudly
Wed Feb 06, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Sell the house or keep it for rent?
Replies: 30
Views: 1976

Re: Sell the house or keep it for rent?

Dude, you don't mysteriously wind up with 3 houses....just stop buying houses if it is too much to handle. I would sell #3 and take the cash and roll it into paying off #2.
by totallystudly
Fri Jan 18, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1910

Re: How to set android phone to send phone solicitors directly to voice mail.

Most of the caller numbers are spoofed. True How do I figure out who the caller really is so I can sue? Talk to them, play along as if you are an interested customer, buy the product, set up an appointment, or do whatever you need to do to get documented evidence of who is calling you via emails or...
by totallystudly
Fri Jan 18, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1910

Re: How to set android phone to send phone solicitors directly to voice mail.

Unfortunately, the largest volume of spam calls originate internationally from what I understand - where US laws can't touch them. True that many calls originate overseas, but there is almost always a domestic US company that is selling products/services. Just have to social engineer your way to th...
by totallystudly
Fri Jan 18, 2019 1:53 am
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1910

Re: How to set android phone to send phone solicitors directly to voice mail.

I got a check for $40something recently because I had reported a number to DoNotCall and the feds sued the company and won. Although possible, it is very unlikely that this is the chain of events that happened. The feds rarely sue based on DNC complaints and even then rarely obtain money on behalf ...
by totallystudly
Fri Jan 18, 2019 1:51 am
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1910

Re: How to set android phone to send phone solicitors directly to voice mail.

Seriously? Have you ever won a suit? Yes, very serious. The TCPA is a federal law that covers it, 47 USC 227 or the telephone consumer protection act and you can get up to $3,000 per call. State laws can be even better, for example NC has a law that is a flat $500, for the first violation $1,000 fo...
by totallystudly
Fri Jan 18, 2019 1:35 am
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1910

Re: How to set android phone to send phone solicitors directly to voice mail.

Seriously? Have you ever won a suit? Yes, very serious. The TCPA is a federal law that covers it, 47 USC 227 or the telephone consumer protection act and you can get up to $3,000 per call. State laws can be even better, for example NC has a law that is a flat $500, for the first violation $1,000 fo...
by totallystudly
Wed Jan 16, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1910

Re: How to set android phone to send phone solicitors directly to voice mail.

Most telemarketers won't leave vmails and will just keep calling. I choose to sue them