This is my stance. My parents saw their standard of living increase ~450% by some estimates. Should I feel saddened if we cannot reproduce those results? My education and background predispose me to be in the top 20% of U.S. earners even if I don't try too hard, so my standard of living is likely to be comfortable even if America's wealth does begin to decline. I fear more for those who are already struggling.KyleAAA wrote:Optimist. The USA will probably no longer be the world's only or even most powerful superpower in 100 years, but it will still be prosperous and among the richest nations in the world. Does anybody really think the UK is that bad off right now? They were in our position about 100 years ago. Doesn't seem too bad to me.
Search found 754 matches
- Tue May 17, 2011 8:16 pm
- Forum: Personal Consumer Issues
- Topic: Optimist or Pessimist on USA?
- Replies: 57
- Views: 15747
- Tue Apr 26, 2011 1:41 pm
- Forum: Personal Consumer Issues
- Topic: "Free" Monitor
- Replies: 9
- Views: 5876
Re: "Free" Monitor
Teaser promotions are everywhere. I don't find this one compelling. To review:
Worth the hassle
http://www.britishairways.com/travel/cr ... acb214b2f7
Not worth the hassle
http://landing.optionshouse.com/promo/dell
Worth the hassle
http://www.britishairways.com/travel/cr ... acb214b2f7
Not worth the hassle
http://landing.optionshouse.com/promo/dell
- Tue Apr 26, 2011 1:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: Amex Blue Cash card - deceptive marketing
- Replies: 33
- Views: 11521
- Mon Apr 25, 2011 11:24 pm
- Forum: Personal Consumer Issues
- Topic: Local Sandwich Shop, Your Cash is no Good.
- Replies: 82
- Views: 9608
I go for months without having cash in my wallet. When I do have it, I feel a little bit strange about using it--as though I'm bartering for my goods with another physical commodity. I especially hate receiving coins as change and often drop it into the tip jar to avoid carrying it. This drives up the cost of using cash for me. All this to say that I love my cards.
Still, I'm looking forward to the advent of "frictionless" payment services. The pile of middlemen taking cuts from my credit swipe is probably the most medieval thing in modern banking, and needlessly so.
Still, I'm looking forward to the advent of "frictionless" payment services. The pile of middlemen taking cuts from my credit swipe is probably the most medieval thing in modern banking, and needlessly so.
- Sat Apr 23, 2011 2:16 pm
- Forum: Personal Investments
- Topic: "100% stock funds up to $100K" advice from retired
- Replies: 26
- Views: 3771
- Sat Apr 23, 2011 11:56 am
- Forum: Personal Finance (Not Investing)
- Topic: Price/Rent Ratio of your house or apartment
- Replies: 41
- Views: 5694
Zillow says my apartment is worth about $105k. It puts the ratio for my apartment at just below 12.
Likewise, it values my friend's condo at a few thousand more for which he pays a mortgage similar to my rent. But he pays also about $250/mo in HOA fees and heating costs while my costs end with my rent payment. This is what keeps me renting rather than purchasing a similar condo.
How do HOA fees factor into this discussion?
Likewise, it values my friend's condo at a few thousand more for which he pays a mortgage similar to my rent. But he pays also about $250/mo in HOA fees and heating costs while my costs end with my rent payment. This is what keeps me renting rather than purchasing a similar condo.
How do HOA fees factor into this discussion?
- Sat Apr 23, 2011 11:32 am
- Forum: Investing - Theory, News & General
- Topic: What would you do with 15m?
- Replies: 52
- Views: 8746
- Sat Apr 23, 2011 10:58 am
- Forum: Personal Investments
- Topic: Multi million dollar inheritance where do i start
- Replies: 117
- Views: 20401
Okay, but you've gotten the answer a dozen times. A 5% withdrawal rate will not last 40 years unless you get a consistent return of 4% over the entire period. That might work, and it might not. Also, your idea of ignoring inflation is a bad one. That said, doing it for 10-20 years and then reevaluating would be harmless. You could do whatever you want. I would plan for 2% real return and my SWR would be 3.66% adjusted for inflation. He said he is planning on withdrawing 5% of the total portfolio each year--a variable amount. To me this sounds like sure way to withdraw less than you hoped to spend throughout much of your retirement. rcole33856, I hope you will consult a fee-based planner to form a comprehensive plan for both your retirement...
- Wed Apr 06, 2011 10:47 am
- Forum: Personal Finance (Not Investing)
- Topic: College costs over family budget - write letter?
- Replies: 79
- Views: 9876
that being said, i would ask that you look into the child footing the whole bill.. children put in more effort when its "their" money or loan, and you cant borrow for your retirement, getting a loan for school isnt difficult.. Kids work harder when it's THEIR money, but a loan doesn't always register the same. It's hard for many 18-year olds to visualize what $80k in loans actually means. Each kid who takes out a loan should be given a loan amortization table that shows amount borrowed, monthly payments required, total interest paid, total cost effect of principal payments and interest payments. Add a big colorful pie chart or bar chart to illustrate just how costly that loan will be. Then it should be explained that 120 monthly ...
- Sun Mar 20, 2011 5:04 pm
- Forum: Personal Consumer Issues
- Topic: Disney World - Any tricks on pricing?
- Replies: 36
- Views: 6199
- Sun Mar 20, 2011 3:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Does it make sense for an employee to own a house?
- Replies: 31
- Views: 4516
Re: Does it make sense for an employee to own a house?
Of course most newer rental units, even inexpensive apartments, now include granite counter-tops!VictoriaF wrote:The bottom line is that renting is a choice, and in many cases it is a prudent choice. It enhances one's flexibility and facilitates opportunities to increase one's lifetime earnings. Furthermore, it protects one from putting resources into house improvements such as proverbial kitchen expansions and granite counter-tops.Victoria
I believe the greatest misconception about renting is that all rentals are tired, cramped apartment units. If the excess housing inventory in my area takes as long to clean out as I expect it will, I imagine I might one day rent a relatively opulent single family home rather than buy it.
- Sat Mar 12, 2011 8:19 pm
- Forum: Personal Consumer Issues
- Topic: Bing versus Google challenge
- Replies: 19
- Views: 2920
I try to avoid Bing after reading about their weak attempts to rip off Google's work:
http://googleblog.blogspot.com/2011/02/ ... earch.html
http://googleblog.blogspot.com/2011/02/ ... earch.html
- Sat Mar 12, 2011 12:57 pm
- Forum: Personal Investments
- Topic: Vanguard oughta offer "midshipman" accounts
- Replies: 94
- Views: 11843
I fall into the age group in question, and I know my friends gravitate toward companies with low minimums because they are hesitant to make a commitment with big chunks of money. But then they generally like to speculate in those small accounts. The other night I had coffee with a friend who told me that he wanted to start investing now that he had finally accumulated $500 to do it with. What was he planning to invest in? Penny stocks! I told him I thought his plan was gambling, not investing, but he assured me that he was going to use a website to figure out which ones were going up! I guess my limited experience is that the majority of my friends are not going to be in Vanguard's target market for a few years. They are generally willing t...
- Wed Mar 09, 2011 3:23 pm
- Forum: Personal Consumer Issues
- Topic: Do you prefer doing business with a public/private company?
- Replies: 15
- Views: 2372
- Tue Mar 08, 2011 8:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: Las Vegas Ground transportation
- Replies: 17
- Views: 2139
The locals do NOT want this information to get out!JupiterJones wrote:The main "sneak routes" are Industrial Road and Frank Sinatra Blvd on the west side, and Audrie and Koval streets on the east side. Once you figure out how to navigate those, you're in business.
Neither do the cab drivers who make $24/hr while they idle!
- Sat Mar 05, 2011 11:08 pm
- Forum: Investing - Theory, News & General
- Topic: Is 100% equities really that risky for young investors?
- Replies: 127
- Views: 21397
Re: Is 100% equities really that risky for young investors?
It seems pretty ridiculous to use a time period of 1 year when the investor can be reasonably sure that his investment won't be cashed out for several years or even decades (this is made possible with an emergency fund covering >6 months expenses + a steady income). So for these investors, why not measure risk as the standard deviation of returns on a 5, 10, or 20 year basis? That might be fine when you're young. But at some point your horizon will be less than 10 years. At that point, you can't afford to look at standard deviation over 10 years unless you're also willing to postpone retirement 10 or more years. So when would you begin to cash out of stocks to ensure that short-term volatility doesn't crush your nest egg when you finally n...
- Sat Mar 05, 2011 12:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Why am I such a tight-wad?
- Replies: 85
- Views: 12772
- Sat Mar 05, 2011 11:47 am
- Forum: Personal Consumer Issues
- Topic: check out checks at sam's , best buy etc.
- Replies: 74
- Views: 8399
About once a month, my wife and I stop at Costco to pick up two or three items. I believe we are consistently the only people in Costco that do not have or need a cart. We always make this shopping run after church, and the store is always packed at that time. I do dislike waiting in line for five minutes for someone to verify that we paid for our two or three items which are displayed so prominently in our arms. But we still go back and get those same items each time we run out because the utility of the unique products and low pricing far outweigh any objection to waiting in line for a few minutes.
You take the bad with the good in life. We're lucky that the former is so sparse amidst the latter.
You take the bad with the good in life. We're lucky that the former is so sparse amidst the latter.
- Tue Mar 01, 2011 11:02 pm
- Forum: Personal Consumer Issues
- Topic: Bye Bye Microsoft- Hello Mac!
- Replies: 193
- Views: 28231
Re: Welcome to the Mac "fraternity"
Itunes averages 59MB of real memory usage for me.infecto wrote:Sorry, nice attempt at hashing up a childish argument but its trash on either OS.blevine wrote:What do you expect on Windows ?jpsfranks wrote: Ironically, unlike most Apple software, iTunes is a bloated piece of garbage.
Edit: I did not read infecto's post before posting.
I assume itunes works better on a Mac but haven't had the pleasure.
- Thu Feb 24, 2011 2:41 am
- Forum: Personal Consumer Issues
- Topic: Shaving Implements
- Replies: 58
- Views: 9726
I bought a Merkur and all the fixings off Amazon after reading a thread similar to this one on this site. I found the DE shave to be very nice, but very time consuming. I thought I would learn to do it faster, or learn to enjoy the long shave, but neither has happened. I went back to my old disposable razor that does 3/4 as good of a job as the DE razor in 1/3 of the time.
You're welcome to purchase my lightly used Merkur razor, 80 unused blades, badger brush, and stand at fire sale prices! I personally regret my "investment."
You're welcome to purchase my lightly used Merkur razor, 80 unused blades, badger brush, and stand at fire sale prices! I personally regret my "investment."
- Sat Feb 19, 2011 2:46 pm
- Forum: Personal Investments
- Topic: Whole Life Insurance
- Replies: 97
- Views: 14758
Marrying a 15 year old girl certainly seems like it might be a recipe for divorce. :lol:BruDude wrote:How about a divorce? You're married at 30, live happily married for a while, saved up $1 million for retirement already. You just had two kids at age 45 because you're the man and you have a smoking hot 30 year old wife. Oops, wife now wants a divorce and half your assets plus child support for the two kids.
- Fri Feb 11, 2011 6:02 pm
- Forum: Personal Investments
- Topic: Bank "Financial Check-Ups"
- Replies: 26
- Views: 3539
- Fri Feb 04, 2011 2:00 pm
- Forum: Personal Investments
- Topic: Is it ever really neccessary to invest in taxable accounts?
- Replies: 75
- Views: 11492
- Thu Feb 03, 2011 9:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Did college cost you full list price?
- Replies: 105
- Views: 17407
Full tuition merit scholarship for my undergrad degrees funded by the university; 162 credit hours. Full tuition merit scholarship for grad degree funded by an outside foundation; 144 credit hours.
I feel very lucky to have received this type of financial aid, because salaries in my field are low. Some of my peers have taken on $150k in debt to train for a career with an average salary of $60k. There is no way this disparity in tuition and salary is sustainable.
I feel very lucky to have received this type of financial aid, because salaries in my field are low. Some of my peers have taken on $150k in debt to train for a career with an average salary of $60k. There is no way this disparity in tuition and salary is sustainable.
- Tue Feb 01, 2011 9:05 pm
- Forum: Investing - Theory, News & General
- Topic: The "value" of some stocks?
- Replies: 37
- Views: 3062
- Fri Jan 14, 2011 3:52 pm
- Forum: Investing - Theory, News & General
- Topic: (Rant) Article that perfectly embodies the Big Lie
- Replies: 28
- Views: 6326
But I am also contemplating an American economy dominated by downsizing, outsourcing, globalization, and deindustrialization, and I'm thinking of studies showing that inflation–adjusted wages in the U.S. have been mostly stagnant for over 30 years. I think there's a fear among many people (of various ages, not just the young featured in the linked article) that With all the other costs of living and/or mortgage and/or children and/or medical expenses, and/or [complete list], I will never be able to save enough from my wa g es alone to have a decent retirement. And in the current economic environment, such fear, IMO, may be fact–based and quite justified. Anyone can save enough to retire if they merely increase their savings rate. I believe...
- Fri Jan 07, 2011 1:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Continually Underwhelmed by Ally Bank
- Replies: 15
- Views: 4154
Another satisfied customer using Ally primarily for CD's. I am sorry to hear their customer service department has treated you so badly.
I cannot understand why companies won't pay to hire competent customer service personnel. I just recently had a horrendous customer service experience with LG Electronics that made me angry enough to commence a personal boycott. Surely any cost savings that precipitated this incident will merely be subtracted from the top line in future decades.
I cannot understand why companies won't pay to hire competent customer service personnel. I just recently had a horrendous customer service experience with LG Electronics that made me angry enough to commence a personal boycott. Surely any cost savings that precipitated this incident will merely be subtracted from the top line in future decades.
- Thu Jan 06, 2011 11:10 am
- Forum: Personal Finance (Not Investing)
- Topic: Financial Concern for my Mother in Law
- Replies: 16
- Views: 2674
At those prices I would have to think long and hard about living out my days in an all-inclusive resort rather than a nursing home. No doubt I would die sooner without so much medical care, but then that's bound to happen sooner or later!
I don't suppose medicaid would cover it. That's a shame, because the costs would be lower, and the duration of care shorter! I wonder if I could fund a career as a Cancun-based lobbyist with this plan...
I don't suppose medicaid would cover it. That's a shame, because the costs would be lower, and the duration of care shorter! I wonder if I could fund a career as a Cancun-based lobbyist with this plan...
- Wed Jan 05, 2011 12:55 pm
- Forum: Personal Investments
- Topic: The mechanics of maintaining AA
- Replies: 8
- Views: 1383
Beware that Otar's "Unveiling the Retirement Myth" and any others that say rebalance every 4 years since it is pure data mining. Suppose I said you should rebalance in March 2000 and March 2009. Knowing what you know happened in those years, it should make sense. I think the 4-year rule just happens to fit some big crashes like 1929 nicely. I didn't hope to outperform. I only liked the idea of less involvement still achieving satisfactory results. I now understand that some upkeep is to be expected. For me, however, I think I might plan to let my AA deviate substantially until the portfolio balance grows large enough that is naturally compels my interest and attention. Frankly, I worry any habits of tinkering at this stage will h...
- Wed Jan 05, 2011 12:02 pm
- Forum: Investing - Theory, News & General
- Topic: Can a fiat currency be created without a commodity or land?
- Replies: 5
- Views: 1123
Re: Can a fiat currency be created without a commodity or la
I finally understand how we create money today in the US. However, I started thinking if you keep on working backwards 100's of years that originally an established country could only exist and issue currency if it has a natural resource (before human capital became an asset) or land it can provide to exchange for someone elses commodity or currency. The US started issuing currency to exchange with others because it originally had cotton, tobbaco, and other natural resources. Correct? Yes, my understanding is that fiat currency is a substitute for commodities in a barter system, and its substitutionary value is enforced legally. If there is no recognized court of law nor commodities to back the currency, fiat currency is unlikely to be acc...
- Wed Jan 05, 2011 11:57 am
- Forum: Personal Investments
- Topic: The mechanics of maintaining AA
- Replies: 8
- Views: 1383
Re: The mechanics of maintaining AA
Are you stuck in a situation where you have to speak to someone personally, hopefully not someone in HR, to accomplish investment direction in your 401K? I was previously in such a situation, but have now left that workplace and rolled over the account. It sounds likely that I can expect to have web access in the future. What I am hearing makes sense, but then it only shifts the focus of my question from the contributions to the rebalancing. It seems to me that annual rebalancing is next to worthless, at least until an accumulator's nest egg is quite sizable compared to annual contributions. I am just lazy enough to be interested in rebalancing only every four years as suggested in The Retirement Myth, but then it seems as though I'll have...
- Wed Jan 05, 2011 11:02 am
- Forum: Personal Investments
- Topic: The mechanics of maintaining AA
- Replies: 8
- Views: 1383
The mechanics of maintaining AA
I have a very basic question about the simple mechanics of maintaining a desired AA, specifically in an employer sponsored retirement account. Imagine that my desired allocation is 50/50. I direct my 401k contributions to distribute 50% into TSM and 50% to TBM. Stocks outperform, and in merely six months, my allocation is 75/25. Lucky me. Would I then continue to divide new money 50/50 and rebalance after 12 months had fully elapsed? Would I constantly change the destination of new money to keep my AA, and annoy HR in the process, before rebalancing at 12 months? Would I direct my contributions into cash and invest them in funds manually to avoid this problem to an extent? This example is assuming I desire to use annual rebalancing, without...
- Wed Jan 05, 2011 10:44 am
- Forum: Personal Consumer Issues
- Topic: Gmail Security & China
- Replies: 13
- Views: 2669
- Tue Jan 04, 2011 1:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: What do you love/hate about house you didn't expect?
- Replies: 99
- Views: 11400
Have you tried renting a house before you buy? I don't mean the same one, I just mean to try it out. My wife and I did that, and we learned a LOT. 1) I don't like yardwork as much as I thought I would (although this could change if I actually owned the place and cared more about it). 2) Newer suburbia homes sometimes have master bathrooms that "flow" into the master bed--this is awful. Make sure you get a door on your bathroom. 3) Large, open floorplans with living and family rooms on the same level are silly--furniture is duplicated and we never used both spaces. It's more useful to have a "bonus" room on a different floor so it's more isolated. 4) Houses' utilities are about double that of townhomes. This can actually...
- Tue Jan 04, 2011 1:05 pm
- Forum: Investing - Theory, News & General
- Topic: Measuring Net Worth in Income Stream
- Replies: 9
- Views: 1720
This is the same method of understanding wealth used the the Jane Austen BBC films of which my wife is so fond. My understanding from Austen is that these amounts reflect the annual rental income the landed gentry received from their renting their land holdings. I imagine that passive investment was a bit sparse in those days.
- Thu Dec 09, 2010 11:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: What is my retirement number - selling my business
- Replies: 5
- Views: 1464
Yes.Is our nest egg simply going to be the amount I have remaining after the sale of my company + the 325k we currently have in retirement?
I think the only math you need to do is subtract your current savings from the $2.5M. That number is the amount you need to sell your business for in order to sustain a $75,000 income at a 3% withdrawal rate. That looks something like:
$325k + $80k -32k = $373k
$2.5M - $373k = $2,127,000 in net profits from the sale to retire today
To me, it makes no sense to think of your retirement accounts and your company-sale profits as separate buckets of your nest egg.
- Fri Nov 19, 2010 2:49 pm
- Forum: Personal Consumer Issues
- Topic: Tipping at restaurants
- Replies: 67
- Views: 7895
This is generally more indicative of staffing levels than server competence. A high end restaurant will maintain one server for every 1-3 tables. A value-price national chain requires each server to take 6-30 tables. The server in the nicer restaurant will get fewer, larger tips. The server in the mediocre establishment will get numerous, smaller tips. These two servers have very different skill sets and very different job descriptions. You as a customer get what you pay for in either case.kozabelle wrote:Geesh, how long does the server think it takes the diner to review the bill and then pull out the credit card.
- Fri Nov 19, 2010 1:31 pm
- Forum: Personal Consumer Issues
- Topic: Tipping at restaurants
- Replies: 67
- Views: 7895
I generally tip a flat 20% unless the server does something terribly wrong. My wife thinks I grossly over-tip, but I like to think that I can afford to give the extra dollar better than the server can afford to go without it. When I was a server, I found that the generous tippers made up for the poor tippers, so my income was sufficient for my student's expenses. The only times I felt that I was getting shortchanged had to do with people's lack of common sense related to discounts. People would use a buy-one-get-one-free coupon, but tip off the reduced amount. People would use a gift card for 90% of the bill, but then tip off the remainder they had to put on the Visa. Vets or teachers would come in for a 99 cent meal on Veteran's Day and te...
- Fri Oct 08, 2010 3:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Possible forced early retirement: how ready am I?
- Replies: 32
- Views: 4331
- Wed Oct 06, 2010 11:37 am
- Forum: Investing - Theory, News & General
- Topic: 3 Largest Credit Card Companies Sued By Government:
- Replies: 20
- Views: 3478
- Wed Oct 06, 2010 10:38 am
- Forum: Investing - Theory, News & General
- Topic: 3 Largest Credit Card Companies Sued By Government:
- Replies: 20
- Views: 3478
It took me a while to dig this up, but did anyone else catch this article back in February? I think we will eventually see a significant reduction of payment processing fees in the free market.
http://www.wired.com/magazine/2010/02/f ... oney/all/1
http://www.wired.com/magazine/2010/02/f ... oney/all/1
Moving money, once a function managed only by the biggest companies in the world, is now a feature available to any code jockey. Ivey is just one of hundreds of engineers and entrepreneurs who are attacking the payment ecosystem, seeking out ways small and large to tear down the stronghold the banks and credit card companies have built.
- Wed Sep 15, 2010 1:18 pm
- Forum: Investing - Theory, News & General
- Topic: How embarrassing now is your initial investment approach?
- Replies: 82
- Views: 11962
I was halfway through an undergraduate degree that was fully paid-for through a full-ride scholarship. I had received about $30,000 through some family gifts and a small trust fund disbursement set up by my great-grandfather. Because I could pay my living expenses from my own savings from high school, I didn't need this money and decided to invest. Being 19, I was convinced my investments in several individual small-caps and energy companies were each uniquely brilliant. One of those companies, BRLC, was making high-margin Olevia LCD televisions that were getting great reviews from consumer reports. They consistently put out fantastic earnings reports, and grew exponentially while the stock continued to drop. I did the only responsible thin...
- Fri Sep 10, 2010 12:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: Restaurant tipping - cash or card?
- Replies: 102
- Views: 14072
In my experience, the servers come in with some of their own money, perhaps $20 from which they make change. They then collect cash payments and tips and enter them into the computer. Likewise they run credit cards and enter tips into the computer. At the end of the evening, they print a balance that indicates how much they owe the restaurant. This number is essentially cash collected minus credit card tips. Thus, you end up with all your tips in cash by the time the night is over, and you set aside the $20 you came in with for the next day. No fee was ever removed from my tips, though we were expected to tip are numerous support staff. Most of my coworkers under reported their tips, and many patrons purposely tipped in cash, presumably to ...
- Fri Sep 10, 2010 11:19 am
- Forum: Personal Finance (Not Investing)
- Topic: Do you leave maid tip in a motel?
- Replies: 78
- Views: 14124
What is the rational for tipping waiters but not housekeeping staff? What is the minimum wage for waiters and waitresses? The minimum wage for waiters and waitresses is the current minimum wage less 31% for tips. Therefore, effective January 1, 2010 the minimum wage for waiters and waitresses is $5.69 per hour which is calculated in the following manner: 31% of $8.25 is $2.56; $8.25 minus $2.56 equals $5.69 per hour. In other words, housekeepers make (on average) 31% more money than waiters before tips. Based on what I know of my home state, I believe both your minimum wage and your formula are specific to your own state. I live in one of the few states that require tipped employees to be paid the full federal minimum wage, now $7.25, but ...
- Fri Sep 10, 2010 11:12 am
- Forum: Personal Investments
- Topic: Advantages of an American Express card
- Replies: 27
- Views: 12640
Thank you, Rob, I'll be sure to do that in the future. I looked around for any way to flag the posts, but saw none. Perhaps that is a feature that could be enabled?Ron wrote:If you think it is a spammer, simply send a message to one of the mod's.
Go into your messages, select "usergroups" for mod's and send them a link to the message or the user.
I normally send the link info from the "profile" (just copy/paste) and the mods can make the decision to delete (or not).
BTW, I did send a message to look at this user.
Since we can't mark a user/message as spam, and we know the mod's have a lot to do (beyond looking at this forum, every few minutes), I'm sure they will appreciate your effort to self-monitor the forum.
- Ron
- Fri Sep 10, 2010 10:22 am
- Forum: Personal Investments
- Topic: Advantages of an American Express card
- Replies: 27
- Views: 12640
- Wed Aug 25, 2010 11:59 pm
- Forum: Investing - Theory, News & General
- Topic: Is your spouse hesitant to invest?
- Replies: 44
- Views: 5971
This is the type of outcome I anticipate as well.Dale_G wrote:It has worked out so far.
Avo and Leonard's comments are understood. I realize finances are a big marital issue, but I have no plans to give up the perfectly frugal love of my life simply because she lacks my hobby interest in asset allocation and appetite for moderate risk.
- Wed Aug 25, 2010 7:44 pm
- Forum: Investing - Theory, News & General
- Topic: Is your spouse hesitant to invest?
- Replies: 44
- Views: 5971
This won't be too helpful to you. My spouse was in 2 different investment clubs at the same time earlier in our marriage. She sees it as necessary and as work, so she lets me make all the decisions the last few years. She just asked me yesterday, "Should we refinance and take cash out so that we can invest more money?" I'll admit I've been interested to see you post about the clever gymnastics you are doing in her defined contribution plan. I can only imagine the discomfort my fiance would register if I proposed doing something so "exotic" with my own plan, let alone hers! In truth, she's told me that I should do whatever I feel is best with our automated savings each month--so long as I don't tell her about it. I just ...
- Wed Aug 25, 2010 7:19 pm
- Forum: Investing - Theory, News & General
- Topic: Is your spouse hesitant to invest?
- Replies: 44
- Views: 5971
Is your spouse hesitant to invest?
My fiance is not very interested in finances, and very risk averse. She would prefer to save all our money in a taxable savings account at a brick and mortar bank because it's safe, easy, and liquid. My talk of need for risk, tax efficiency, and diversification causes her eyes to glaze over. When it comes to spending, she is even more frugal than I am, but investing is an area we haven't been able to agree on.
How does (or did) the blending of investment philosophies work with your significant other?
How does (or did) the blending of investment philosophies work with your significant other?
- Tue Aug 24, 2010 11:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: America's favorite credit card: AmEx
- Replies: 84
- Views: 22328
I'm kind of amazed to read all the posts saying that Amex is accepted almost everywhere. This must be a costal or NY thing! In the Midwest, it's not accepted in grocery stores or at Statefarm insurance. So I can only use it at gas stations and at Walmart or a few other stores. So it's worthless to me. That's strange, I'm in the Midwest and I've not had my Amex refused outside of the usual suspects like Thai takeout or the dilapidated franchise on the wrong side of town. My only annoyance with Amex was their mysterious refusal to raise my credit limit so I could charge an engagement ring. Citibank has now extended me credit that positively dwarfs my income, yet Amex wouldn't give me an ounce of breathing room for a one-time purchase I could...