Search found 337 matches

by rylemdr
Tue Jul 12, 2011 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey and Credit Cards: Have I made a huge mistake?
Replies: 45
Views: 8827

I'd say this was a huge mistake. Having credit enables you to get a mortgage. Bad credit gets you higher rates, while good credit gets you lower rates. So, in the long run, yes, this mistake was costly.
by rylemdr
Tue Jul 12, 2011 7:53 pm
Forum: Personal Investments
Topic: 20 million windfall need help
Replies: 32
Views: 4146

Why are people so mean to this guy? How about if you have nothing to say except question the validity of his statement and the facts he has presented, you just shut up.

The OP does not care about your doubts and resentful feelings. I'm sure if he wasn't so polite, he would ask you to shove it.
by rylemdr
Tue Jul 12, 2011 7:37 pm
Forum: Personal Consumer Issues
Topic: Yankee Fan has liabilties after giving back Jeter's ball.
Replies: 44
Views: 5376

Can I respectfully disagree. I do not see this in any way as giving the ball back as ethical or moral or the right thing or anything. It is the fan's right to keep a ball he gets. The management of the Yankees and JEter were the immoral ones, conning this kid out of his ball. Ethics/morals are pers...
by rylemdr
Tue Jul 12, 2011 9:09 am
Forum: Personal Consumer Issues
Topic: The etiology of the name, the Munchkin Man
Replies: 60
Views: 8146

Ahh, the Munchkin man.. A rare and elusive beast. He reels you in with his annoying posting style, forcing you to read more and more into his ramblings. You try to stop, but you can't. Your eyes are glued. Nothing else seems to matter anymore except this odd wall of text. The irritation you feel sta...
by rylemdr
Tue Jul 12, 2011 1:20 am
Forum: Personal Consumer Issues
Topic: Yankee Fan has liabilties after giving back Jeter's ball.
Replies: 44
Views: 5376

I say if it's free money, take it. Screw morals and ethics. That is how the strong survive. This man might have given a legacy(albeit a small one) to his children, but nothing changes your family tree like $250,000(maybe less, after taxes) invested properly at 23 years old. One day, this hardcore fa...
by rylemdr
Mon Jul 11, 2011 11:01 pm
Forum: Personal Investments
Topic: That embarrassingly cheap thing you do....
Replies: 145
Views: 22467

I like how we're not judging eachother in this thread. Some of the posters on here with their unethical behavior should be judged, and they should be judged harshly. I think judging others isn't good. Ethics is personal, after all. There is no one ethical code that fits all. Let the man who has no ...
by rylemdr
Mon Jul 11, 2011 5:43 pm
Forum: Personal Consumer Issues
Topic: Big Green Egg
Replies: 21
Views: 3374

Re: Big Green Egg

Full blown bar-b-q'er. Tired of having heat control problems with the weber kettle. Then The Big Green Egg is for you. You can also look at kamado(there is also a popular brand that is, ironically, called Kamado) grills. These are Japanese ceramic grills from which BGE is modeled after. You might f...
by rylemdr
Mon Jul 11, 2011 3:36 pm
Forum: Personal Consumer Issues
Topic: Big Green Egg
Replies: 21
Views: 3374

Re: Big Green Egg

Any bogleheads pony up for one? Was it worth it? Seams like a great grill that could potentially last a lifetime but 900 bucks? Hi redar! I personally have this unit, and as a barbecue aficionado, I can honestly tell you this is one of the best units I've ever bought. Being a ceramic unit, you can ...
by rylemdr
Mon Jul 11, 2011 6:03 am
Forum: Personal Consumer Issues
Topic: Did you like the transformers movie?
Replies: 35
Views: 3719

Why is almost every movie a DC or Marvel comic book? Whatever happened to movies with amazing twists like No Way Out , or movies about the human condition? I'm so desensitized by the non-stop over the top action scenes that are so unrealistic that I just glaze over. I can't believe I keep getting t...
by rylemdr
Sun Jul 10, 2011 11:40 pm
Forum: Personal Consumer Issues
Topic: Any Tour watchers? Biking fans?
Replies: 57
Views: 8680

I don't follow the tours, but I did catch it on the news.

I'm surprised the two bikers didn't file a lawsuit. They sort of got screwed over that race. Who knows, one of them could have nabbed first place.
by rylemdr
Sun Jul 10, 2011 4:13 pm
Forum: Personal Consumer Issues
Topic: Birthday gifts and gifts for other ocassions
Replies: 8
Views: 1471

In my culture a good thing to gift would be money. It could be any amount, but it has to come in a red envelope. This type of gift symbolizes "well wishes of a long life and prosperity" People can also do a lot of things with money such as buy what they really want instead of you assuming ...
by rylemdr
Sun Jul 10, 2011 4:08 pm
Forum: Personal Consumer Issues
Topic: Raw Almonds
Replies: 84
Views: 8415

I like almonds too! :D Mine usually comes coated in chocolate though :(
by rylemdr
Sun Jul 10, 2011 4:07 pm
Forum: Personal Consumer Issues
Topic: Is it considered rude not to say "bless you"?
Replies: 47
Views: 5078

Is it considered rude not to say "bless you"?

I have never gotten used to saying "bless you" when someone sneezes. Back in my country, sneezing was considered very normal and it is not really a big deal. If someone has a sneezing fit(like a lot of sneezes straight in a row), I would say something in the lines of "Whoa! Are you ok...
by rylemdr
Sun Jul 10, 2011 3:34 pm
Forum: Personal Investments
Topic: In Significant Debt, Beginner Seeking Advice from the Best
Replies: 58
Views: 6564

I would also recommend the Dave Ramsey approach. Work your butt off, try to get an extra job or freelance if you have that sort of skill-set.
by rylemdr
Wed Jul 06, 2011 4:49 pm
Forum: Personal Consumer Issues
Topic: How to make a cup of tea
Replies: 38
Views: 3741

I can't believe out of the many who posted, NOT ONE(oh wait, except Alf 101) mentioned original, authentic, Chinese tea!! Tea came from China after all, and the world's best teas come from there. Try some oolong or green tea(or white tea, but these will cost you a fortune). Those are the very first ...
by rylemdr
Wed Jul 06, 2011 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Book advice for someone immigrating to USA
Replies: 32
Views: 2635

I would like to reiterate my previous suggestion.

Get a good, reputable immigration attorney. Preferably one with a good track record of getting people in. You can't go wrong there.
by rylemdr
Tue Jul 05, 2011 3:42 am
Forum: Personal Finance (Not Investing)
Topic: Can I buy bonds/stocks/other investments with a credit card?
Replies: 20
Views: 2370

And as people are telling you, that's tantamount to getting a cash advance. Go buy a $1 scratch-off ticket with your credit card and see how it shows up on your statement. I betcha bet dinged with cash advance charges. What it amounts to does not matter. A cash advance is what it is. It is very dif...
by rylemdr
Tue Jul 05, 2011 3:26 am
Forum: Personal Finance (Not Investing)
Topic: How do fellow Bogleheads make extra money?
Replies: 34
Views: 8515

How do fellow Bogleheads make extra money?

How do fellow Bogleheads earn extra money aside from your portfolios and jobs(if not retired)? Businesses don't count as "extra money" if you are fully self employed(as it is your main source of income). Sideline work/freelancing can only be selected if you do not work for anyone but yours...
by rylemdr
Tue Jul 05, 2011 2:54 am
Forum: Personal Finance (Not Investing)
Topic: Can I buy bonds/stocks/other investments with a credit card?
Replies: 20
Views: 2370

How is this illegal? And it's $2k, who cares about the risk? I believe there is SEC/FINRA rules about "unofficial margin". Regardless, in 15 months, he will either need to accept the riskier AA, or sell for short term loss/gain. This does not sound very BHish. If his allocation is 70% sto...
by rylemdr
Tue Jul 05, 2011 2:47 am
Forum: Personal Finance (Not Investing)
Topic: Can I buy bonds/stocks/other investments with a credit card?
Replies: 20
Views: 2370

555 wrote:Aha! You knew that all along didn't you.
So why did you start this thread?
I was not asking about a cash advance, I was asking if I could purchase investments using a credit card. Do you even read before you post? :?
by rylemdr
Tue Jul 05, 2011 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Can I buy bonds/stocks/other investments with a credit card?
Replies: 20
Views: 2370

555 wrote:Sure, he can get a cash advance and then buy whatever he likes. :roll:
"This is terrible advice." - infamously stated by a certain fellow Boglehead

A cash advance triggers interest.
by rylemdr
Tue Jul 05, 2011 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Can I buy bonds/stocks/other investments with a credit card?
Replies: 20
Views: 2370

That makes more sense. If he's got money, then why not just throw this into his normal asset allocation and worry about finding $2k 15 months from now? It doesn't need to be short term does it? Also, having a maxed out credit card might actual hurt your credit score more than help it. I'm not sure ...
by rylemdr
Tue Jul 05, 2011 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Can I buy bonds/stocks/other investments with a credit card?
Replies: 20
Views: 2370

Is it really worth the effort for $20 or whatever? Well, he makes a lot of money and doesn't really need credit. He just needs to build his credit score so he can get a good rate when he is ready to buy a home. He also has 2 other credit cards, a mileage one and a cash-back card. This new credit ca...
by rylemdr
Tue Jul 05, 2011 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Can I buy bonds/stocks/other investments with a credit card?
Replies: 20
Views: 2370

Can I buy bonds/stocks/other investments with a credit card?

My brother just got approved for a 15-month intro 0% APR from a bank. He would like to capitalize on this opportunity by investing it for the short term. He plans to pay off the minimum every month, so as not to trigger the interest rate. He has a $2,000 credit limit.

Any suggestions?
by rylemdr
Mon Jul 04, 2011 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: A more practical emergency fund?
Replies: 20
Views: 1969

Actually, if you want to make some money when a catastrophe happens, you can stockpile food for up to 2 years, and when the calamity you are preparing for finally hits and there is no food around for people to buy, jack up the prices of your goods by 300 - 400 % and make a killing! That's what I wo...
by rylemdr
Mon Jul 04, 2011 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: A more practical emergency fund?
Replies: 20
Views: 1969

Actually, if you want to make some money when a catastrophe happens, you can stockpile food for up to 2 years, and when the calamity you are preparing for finally hits and there is no food around for people to buy, jack up the prices of your goods by 300 - 400 % and make a killing! That's what I wou...
by rylemdr
Mon Jul 04, 2011 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: A more practical emergency fund?
Replies: 20
Views: 1969

I think a small amount of food supply would be sensible. I would say a month's worth of canned food stockpiled is okay if you are afraid of a Katrina type situation.

Unless you are expecting an apocalyptic catastrophe, 1 year's worth of supply is just too much.
by rylemdr
Mon Jul 04, 2011 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Book advice for someone immigrating to USA
Replies: 32
Views: 2635

This is terrible advice. The OP may have no need for a lawyer whatsoever. "I also immigrated to the USA and I think I can provide some assistance. I am not sure about British(I am assuming you are British) immigrants, but in my case, coming to the USA was a huge hassle. There might be a bit mo...
by rylemdr
Mon Jul 04, 2011 9:08 pm
Forum: Personal Consumer Issues
Topic: Green Store Clerks
Replies: 72
Views: 7012

I think I'm starting to like this Munchkin Man character.
by rylemdr
Mon Jul 04, 2011 6:54 pm
Forum: Personal Investments
Topic: That embarrassingly cheap thing you do....
Replies: 145
Views: 22467

cheesepep wrote:Reuse old dental floss many times (not the string ones, but the saw type ones)
You can also reuse underwear. It has two sides(I call it side A and side B) for a reason!
by rylemdr
Mon Jul 04, 2011 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Book advice for someone immigrating to USA
Replies: 32
Views: 2635

I also immigrated to the USA and I think I can provide some assistance. I am not sure about British(I am assuming you are British) immigrants, but in my case, coming to the USA was a huge hassle. There might be a bit more leniency for Brits(or whatever your nationality is) coming to the US than from...
by rylemdr
Mon Jul 04, 2011 3:25 pm
Forum: Personal Investments
Topic: That embarrassingly cheap thing you do....
Replies: 145
Views: 22467

Occasionally, I am also known to pull a strand of hair from my head and put it in the food if I am at a restaurant. Sometimes they comp the meal, the whole table(if it's just a few of us and the bill isn't too big), or sometimes just drinks, or they give me a gift card. Either way, I win! :D It's o...
by rylemdr
Mon Jul 04, 2011 8:37 am
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 54
Views: 5288

The Munchkin Man should get a cat.
by rylemdr
Sun Jul 03, 2011 9:28 pm
Forum: Personal Consumer Issues
Topic: What do you pay for house-cleaning services?
Replies: 82
Views: 20170

Greetings: Help! The Munchkin Man needs a cleaning service deperately. The Munchkin Man flunked a surprise apartment inspection last week. The Munchkin Man is going to have a formal and official apartment inspection this week. The Munchkin Man has been cleaning all day long. The Munchkin Man's back...
by rylemdr
Sun Jul 03, 2011 7:40 pm
Forum: Personal Investments
Topic: That embarrassingly cheap thing you do....
Replies: 145
Views: 22467

One time, I went to the movies and bought a large popcorn and a large soda with free refills. When I got back home, I washed the popcorn container as well as the large soda cup. I have been doing this for more than a year(and hopefully, forever!) and I always manage to eat free popcorn and soda ever...
by rylemdr
Sat Jul 02, 2011 5:06 pm
Forum: Personal Consumer Issues
Topic: Economics question
Replies: 9
Views: 1230

That's why I posted the link, although when I posted the question was not answered on the other forum. It doesn't speak well for your academic future that when faced with questions that could easily be answered by reading your text or simple googling, you instead post in multiple forums hoping othe...
by rylemdr
Sat Jul 02, 2011 10:32 am
Forum: Personal Consumer Issues
Topic: Economics question
Replies: 9
Views: 1230

Enough info to answer the questions, if not direct answers, should be in any decent intro econ text or with a few simple google searches Apparently these are popular questions: http://www.mathhelpforum.com/math-help/f32/economics-problem-help-183754.html Apparently, that was the very same question ...
by rylemdr
Sat Jul 02, 2011 12:25 am
Forum: Personal Consumer Issues
Topic: Economics question
Replies: 9
Views: 1230

Economics question

What is Gross Domestic Capital Formation and Entrepreneurial and Property Income of Persons in terms of computing a nation's GDP? I tried to google this, and it gives an explanation, but it doesn't say how it relates to the GDP of a nation. Also, what is the difference between National Income, and G...
by rylemdr
Fri Jul 01, 2011 9:07 pm
Forum: Personal Consumer Issues
Topic: Amazon Referral Link
Replies: 20
Views: 3079

I had ordered some books from amazon worth around $150. I wish I had known we had a referral link :(
by rylemdr
Fri Jul 01, 2011 6:54 am
Forum: Investing - Theory, News & General
Topic: Can someone explain to me what S&P does exactly?
Replies: 6
Views: 1100

Such a detailed and informative explanation nisiprius, your post certainly answered my questions and you provided some excellent thoughts as well. I will do some more reading on this. Thank you! :)
by rylemdr
Fri Jul 01, 2011 5:57 am
Forum: Investing - Theory, News & General
Topic: Can someone explain to me what S&P does exactly?
Replies: 6
Views: 1100

Can someone explain to me what S&P does exactly?

I know how the S&P first made the 500 index which has become the core investment vehicle for many mutual fund companies and almost all bogleheads. However, what I would like to understand is, what does the S&P company get for doing all this analysis? If this company is doing all the research...
by rylemdr
Fri Jul 01, 2011 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Credit card/credit score question
Replies: 8
Views: 1072

Not using a credit card has zero impact on your credit score -- you can have many old cards that you don't use, and not using them won't hurt you at all. Getting this new card will impact your credit rating, though: 1. You will get dinged for having CapitalOne check your credit, and 2. The average ...
by rylemdr
Fri Jul 01, 2011 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Credit card/credit score question
Replies: 8
Views: 1072

I also read somewhere that closing a credit card could hurt your credit score. Correct. should I apply for this capital one card, even though it is not the credit card of my choice? Probably, if it will help you build your credit. A no-rewards credit card is better than a secured card, and unless y...
by rylemdr
Fri Jul 01, 2011 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Credit card/credit score question
Replies: 8
Views: 1072

Credit card/credit score question

So I got a credit card offer from capital one. It doesn't have much to offer, just a no yearly fee credit card, but it is certainly a step up from my secured card from BoA. I've done my research on the credit cards I really want, and there is a rewards card I am aiming for which is also from capital...
by rylemdr
Thu Jun 30, 2011 8:18 pm
Forum: Personal Consumer Issues
Topic: Did you like the transformers movie?
Replies: 35
Views: 3719

Well the deal was that if you went on a Tuesday, you pay for a ticket for $5 and you could hop into any other screening for the day as long as it wasn't full. So If I went in the morning, I could have watched 5-6 movies if I stayed all day. @kramer I used to live in the Philippines too! Did you watc...
by rylemdr
Thu Jun 30, 2011 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of switching careers into accounting: thoughts?
Replies: 21
Views: 3675

This is also the career path I want to go. Accounting > Law. I think it's gonna be a really nice career for me :)
by rylemdr
Thu Jun 30, 2011 8:59 am
Forum: Personal Finance (Not Investing)
Topic: California cost of living
Replies: 111
Views: 13203

Re: California cost of living

I was wondering about the cost of living in California. I currently live in Texas and am fortunate to make 100k a year and live in a brand new brick home that is 2300 sq ft home that I paid 200k for a year ago. When I watch shows like "property virgins" I see homes from 1960 that are 1000...
by rylemdr
Thu Jun 30, 2011 8:51 am
Forum: Personal Consumer Issues
Topic: Learning Economics?
Replies: 19
Views: 1576

You read the topic I started regarding my homework didn't you? :D
by rylemdr
Thu Jun 30, 2011 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Cost of living for the average guy living in America?
Replies: 32
Views: 7123

If this is accurate, I would need to be earning 80k give or take per year(after taxes) to be able to contribute 20k per year and retire by age 45 with 1 million :( i'm sorry but you will need well OVER $1million if you want to retire by 45. there are people who retire at 65 with $1million and it is...
by rylemdr
Thu Jun 30, 2011 8:37 am
Forum: Investing - Theory, News & General
Topic: Question about how 401k works.
Replies: 8
Views: 702

So this hypothetical 401k plan would greatly differ within each company's program? Hmmm, seems like one can not make too many assumptions until knowing the company's 401k policy. I guess I will just have to see what my future 401k has to offer :) While we are on the topic, what does the company get ...