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Money Talk
re: Borrowing money to invest - Hand
No. I've had family members offer me money to invest for them. I had a very honest discussion with them and politely refused. My family uses money as a means of guilt and guilt as a means of control. I wouldn't want my relationships to be jeopardized in any way any more than what they are already. ...


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Money Talk
re: Personal Sweep Accounts - Hand
No offense, you can call it whatever you want, but that's what it is. Sweep accounts go in the opposite direction. Any balance over a certain amount gets swept into a product with a higher interest rate. The purpose of revolving lines of credit (or any debt product for that matter) is to meet ...


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O-T Lounge
re: John Cena Grants 400th Request for "Make A WIsh" - Hand
Met Cena backstage at a talk show he was doing. Brief impression was that he's an all around good dude....


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Money Talk
re: Personal Sweep Accounts - Hand
Yes. Most of the big banks. Read the disclosures. For lines tied to checking accounts for automatic overdraft protection, not only is it higher rates, but banks now charge a transfer fee. Some lines that require you to initiate the transfer on you own through online or mobile banking don't have the ...


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Money Talk
re: Bill and Budget Organization - Hand
My financial situation is fairly simple (i.e, not married and no kids). [b][A] Set up autopilot[/b] [link=(http://blogs.wsj.com/wallet/2009/06/24/how-to-put-your-money-on-autopilot/)]LINK[/link] I used to set reminders, but that still caused too much stress because of the demand of my professi...


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Money Talk
re: How does one short a stock? - Hand
You have to have a brokerage account and the account has to be a margin account (i.e, you can borrow against the value of the account). Then, it's as Dr Rosenrosen explained. ...


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Money Talk
re: Anyone have experience with personal investor websites/micro venture? - Hand
Is that your subtle way of telling me that you're ballin'? If so, :bow:. I presume that you will not find the answers you are looking for here because of the aforementioned restrictions on that type of investing. Beyond that, I can't comment. I am not ballin' :lol:. Most accredited investor...


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Money Talk
re: Anyone have experience with personal investor websites/micro venture? - Hand
Like what? You need to be an accredited investor (income of $200,000 per year for the last two years or $1,000,000 net worth) to do what your talking about. As far as I know, the JOBS Act provisions for general solicitation for equity "crowd funding" for the general population haven't been ruled...


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Money Talk
re: Did you get paid today? - Hand
[quote]Just went back and looked and my paycheck is $4 higher than the end of last year. Four Dollars.[/quote] Mine too. Federal income tax. Everything else is in line with what I was expecting....


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O-T Lounge
re: Modem/Router All in One - Hand
[link=(http://www.amazon.com/ARRIS-Motorola-SurfBoard-SB6141-DOCSIS/dp/B00AJHDZSI/ref=sr_1_1?ie=UTF8&qid=1390526205&sr=8-1&keywords=motorola+surfboard+sb6141)]LINK[/link] [link=(http://www.amazon.com/RT-AC66U-Dual-Band-Wireless-AC1750-Gigabit-Router/dp/B008ABOJKS/ref=sr_1_3?ie=UTF8&qid=1390526275...


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Money Talk
re: Best website to day trade small amounts of money? - Hand
[quote]Best website to day trade small amounts of money?[/quote] FWIW, you can't day trade small amounts of money without getting a letter from the SEC and getting your account frozen....


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Money Talk
re: Iberia Bank Buys Teche Federal - Hand
[quote]I heard something a little different. Whitney turned IB down because IB had accepted TARP funds, and merging would affect golden parachutes for the whitney folks. Instead, whitney went with Hancock (who had bid less than IB). [/quote] And because of that, Iberia has committed themselves to...


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Money Talk
re: HSA Tax Deduction - Hand
Because it's the only savings vehicle that's tax advantaged on the front-end and the back-end. You're saving and growing (brokerage option) money for health related expenses over time instead of back-loading them. I'm in my 20's and on the HDHP with an HSA. The way I see it: (a) max out of po...


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O-T Lounge
re: Going back to Ranger School today. - Hand
[quote]Dahlonega, GA[/quote] :usa: Good luck....


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O-T Lounge
re: Soundbars - Hand
I'm interested too... Particularly in the Sonos...


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Money Talk
re: What grade do you give your personal finance skills? - Hand
[quote]Debt[/quote] The amount that I do owe is minimal and at an average rate of 1.5%... B [quote]Budgeting[/quote] I'm on autopilot for the most part... I limit my purchases. I don't have a want for stuff, but the stuff I do own, I want to be really nice... I project my quarterly personal...


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Money Talk
re: Land as an investment - Hand
I'm younger... no wife... no kids. I recently decided against purchasing multiple acres waterfront for $20,000 per. Here's why I wanted it: It's beautiful land. I feel that it's a good deal. Similar property in the area is selling for $30,000 per acre (smaller acreage). I want diversification be...


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Tiger Rant
re: Players need to improve on disguising their blitz - Hand
This has been the case since Chavis has been here. Telegraphed all the way. That's why they've been so ineffective....


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Money Talk
re: Empire State Building IPO - Hand
There was a lot of empty space in it the last time I was there. I used to have an article laying around my office of these SPE's of certain institutions that would purchase office buildings, wait for a RE market uptick, have the building re-appraised, get some other institution to load it up with...


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Money Talk
re: BlackBerry loses $1B latest qtr, to lay off 40% of workforce - Hand
I wouldn't be surprised to see IBM, HP, or some government contractor that we've never heard of buy them....


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O-T Lounge
re: MoMa or Guggenheim? - Hand
the met is not only one of my favorite museums, but one of my favorite places. you can spend a lot of time there. moma can be enjoyable and it's fun if someone is with you. i found guggenheim to be neither interesting nor fun and to be completely honest, creepy as hell...


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O-T Lounge
re: Best tactical fighter aircraft? - Hand
1. F22 2. F15 3. F35 4. F18 5. F16 6. F14 ...


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Money Talk
re: How do those online mortgage calculators work? - Hand
So in a low rate environment you can "afford" a larger or more costly home because the notes are smaller relative to the balance of the mortgage but the same relative to your income. People get in trouble with ARMs and ballons because the don't understand changing rate environments. Other rules of t...


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Money Talk
re: How do those online mortgage calculators work? - Hand
No. It's based on percentages. Your gross income is used. They upper end of what they say a person can afford when it comes to housing (PITI) is roughly 26%. The amount of overall debt you can handle is roughly 36% (including PITI). The other roughly 64% is assumed to go to income and payroll taxes,...


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Money Talk
re: Perfect Annual Salary? - Hand
FWIW I read some article a few months ago stating the cost to raise a child to 18 years old in today's dollars is somewhere between $250k and $280k....


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Money Talk
re: Perfect Annual Salary? - Hand
Purely hypothetical example of a $100k single earner in his late 20s: $100k -20k federal -4.5k state -6k social security -1.5k medicare -1.5k hdhp -1k disability -17.5k 401k -5.5k roth ira -3.25k hsa = $39.25k =  $3,270 per month $3,270 -405 electricity/water/sewage/trash/natty gas/...


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Money Talk
re: Perfect Annual Salary? - Hand
Add payroll and state taxes to that...


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Money Talk
re: Perfect Annual Salary? - Hand
100k would be alright. you still have trade offs between roi and rol. 150k would give you an extra ~2k per month to have fun with. ...


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Money Talk
re: What's a "normal" amount of money for a late 20s person to have in savings? - Hand
I keep 3x monthly expenses in my "operating account". This is the account I use to pay all bills. I keep 6x monthly expenses in my "savings account". I use this as an emergency fund and to fund my Roth IRA and my HSA as early in the contribution year as possible. I keep 0.5x (book) annual sal...


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Movie/TV Board
re: Chick flicks you are ashamed you like - Hand
When Harry Met Sally...


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