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May 21, 2013 
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Outdoor Board
re: GI Specks - CHSBears
We tried free-lining shrimp and carolina rigged shrimp. Went to drop-shot with live shrimp and caught most....


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Outdoor Board
re: GI Specks - CHSBears
Fished back-side of Elmers' Saturday morning with son. Tide was not moving very much but did work thru the dinks on live shrimp. Kept 7 reds (16-18) and 7 trout (14-23). All trout females and the eggs were not quite mature. Also the immature mangrove snapper were out in force....


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Outdoor Board
re: Victorias Secret smell good bug repellant? - CHSBears
Tomorrow about 5:30 am, front or back of Elmers' Island, I will be praying for a slight sea breeze, for my son & I....


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Money Talk
re: Confessions of Personal Financial Quirks - CHSBears
The straight retail versions have a front load, I use AF Growth Fund of America in a Roth and it is no-load. ...


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Money Talk
re: Can Someone Explain Selling Puts? - CHSBears
I am assuming the OP has shares of PM. My suggestion is if he whats to increase current income from PM, and does not seem to care if the option is called or not. Sell covered calls pretty far out of the money, collect the premium and live another day....


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Money Talk
re: Question regarding mutual fund performance - CHSBears
They use the highest marginal tax rate in effect at the time. Could be quite high considering what went into law for 1/1/13. They also only consider federal taxes; ordinary income, qualified dividends, short term gains & long term gains. 2013 Highest marginal rate is 39.6% plus surcharge of 3.8%...


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Outdoor Board
re: LA 1 toll bridge - CHSBears
Last year, on big weekends, heard of people waiting 45/50 minutes in line to pay at booth. Have had tag since they came out with it....


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Money Talk
re: Savings Acct Questions - CHSBears
Brother is a partner in a large Houston law firm. His conclusion is that most of the senior partners with die working because of no retirement savings. This he says is with seven figure compensation plans. Keeping up with the Jones is the problem....


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More Sports Board
re: Louisiana 5A Baseball Playoffs...Which teams make it to Tulane? - CHSBears
Best have some really deep pitching for Sunday....


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More Sports Board
re: Louisiana 5A Baseball Playoffs...Which teams make it to Tulane? - CHSBears
Good, CHS-BR should be able to pitch Massey....


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More Sports Board
re: Louisiana 5A Baseball Playoffs...Which teams make it to Tulane? - CHSBears
One of the few times in my life I will do this, besides that I graduated from Lee High in BR. GO REBELS Hope it is CHS-BR vs WMHS tomorrow....


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More Sports Board
re: Louisiana 5A Baseball Playoffs...Which teams make it to Tulane? - CHSBears
0-0, going to the sixth...


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Money Talk
re: Baton Rouge Property Taxes - CHSBears
If property (building & land) is assessed for 300k, the simple calculation is similar to this. Assessed value 30,000 Homestead exemption -7,500 Equals 22,500 taxable value Baton Rouge, IIRC has a little over 100 mills of property tax inside of city limits. Outsi...


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Outdoor Board
re: Gar Fish - CHSBears
Hwy 1, the bridge before the one at Elmer's Island road. Son & I saw him/her last Sept and it was gourging on white trout. Fishing yesterday saw again on same bridge. Looks like a submarine coming to the surface. Its head is about as big around as my thigh (I'm 6'1"/190) and looks to be 5+ ft. I wou...


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Money Talk
re: Tax Question - CHSBears
IRS Bank Account Audit - it is the worst. IRS will obtain from you or by court order a copy of your small business bank account info from 01/01/XXXX to 12/31/XXXX. Every deposit will be characterized as income unless you can provide documents stating otherwise. Only withdrawals that you provide docu...


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Money Talk
re: IRA distribution question. - CHSBears
The 10% is a penalty on the taxable amount of what you withdrew. If the withdrawal is 100% taxable, then the 10% penalty is on all 100%. Except if you qualify for one of the exceptions, which are listed on IRS site....


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Money Talk
re: PPO vs HSA high deductible - CHSBears
My HSA account has a very low monthly interest rate also. But once the account goes over $1,500.00 you can set up a regular brokerage accoount and trade securities. Must keep a minimum of $1,500 in HSA and move funds back and forth between HSA and brokerage account as needed....


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Political Talk
re: Is healthcare a right? - CHSBears
I want free legal representation. I wonder how that would go over with the ambulance chasers. Opps, sorry personal injury attorneys....


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Money Talk
re: Exxon Stock....buy,hold, or sell - CHSBears
FIL, took XOM buyout in 1980's, lump some settlement. Died last year, MIL and 2 daughters converting 60k shares to electronic book entry. CompuShare as Agent for XOM is disputing a paper certificate for 29 shares. Could cost more in research fees than the value. Shares are from the 1950's "Standard ...


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Money Talk
re: DRIP plans? - CHSBears
Yes on the taxes, will still receive a 1099-Div for the amount....


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Political Talk
re: No Voter Id laws but Need Id for gun background check - CHSBears
Wife got called for federal jury duty about 7/8 years ago. Know a former Asst. U.S. Attorney, used them to right letter, was released from duty but they will tell you that no more excused duty for 4/5 years. She got stuck with 3 straight years of state district court....


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Outdoor Board
re: Replacing rod guides? - CHSBears
Hijack - Does Academy take back/exchange All-Star rods no questions asked. Rolled one up in the window two weekends ago....


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Outdoor Board
Live Shrimp - CHSBears
Any bait shops from Golden Meadow to Grand Isle selling live shrimp yet?...


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Political Talk
re: Obama vs. Farmers ... I got qualms - CHSBears
Option D - ain't going to happen. LSU/Cornell had a partnership back in the late 80's/early 90's, where Ph.D.'s went to Sierra Leone for two years in 6/9 month stents. Crop science, Ag engineers, Soil chemists went to show farmers modern farming technology. We are talking about early 1900's farming ...


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Money Talk
re: Alternatives to Flex Spending Account? - CHSBears
Flex Spending Account amount was lower. I think HSA is still linked to increase in CPI, just like the increases in retirement accounts; 401k, 403b, defered comp and such. ...


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Money Talk
re: Alternatives to Flex Spending Account? - CHSBears
I have contributed the maximum the last 4/5 years. The deductable with my employers plan is 2,000 a person and 4,000 a family and max out of pocket a year is 4,000. My plan has about 20/25 mutual funds to choose from and a interest account that adjusts quarterly (current 3%). With this plan, the adm...


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Money Talk
re: Alternatives to Flex Spending Account? - CHSBears
The HSA must be coupled with a High Deductable Health Plan, federal regulations. The HSA with the HDHP works well for me and my family. I use it as a saving for retirement plan. ...


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Money Talk
re: Homeowner's Insurance Question... - CHSBears
What are you going to do when a minor child of yours gets in a wreck and in a civil case of wrongful death has a 1 million plus judgement against him/her/you and your assets....


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Money Talk
re: Homeowner's Insurance Question... - CHSBears
I would also look into a large umbrella policy....


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Political Talk
re: Companies paying the most in income taxes. On top, "BIG OIL". - CHSBears
The majority of XOM taxes are other than income, go to page 41. This is for 2011, don't think 2012 is released yet. http://thomson.mobular.net/thomson/7/3184/4612/...


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