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Money Talk
re: Let's list things you regretted buying during your lifetime - Hand
[quote]I check the time too often. It implies that I am ready to get out of the place. Tons of people wear a watch without being rude, but I'm a little OCD and do it without even knowing it. In my job, small things like that can make a big difference.[/quote] Same here. But mixed in with anxiety....
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Money Talk
re: Excess Cash on Hand - Businesses - Hand
I measure financial condition relative to both the balance sheet and the income statement. My non-expert opinion.... Cash Burn Rate = (Cash / Operating Expenses + Debt Service) x 365 At a minimum, it should be equal to the greater of 90 days or 3 x your average cash conversion cycle days. ...
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Money Talk
re: Apple will replace AT&T on Dow Jones on March 18th - Hand
Tinfoil Hat [on]off I've been thinking -- and that's never a good thing. When AAPL was dropping, the pundits were saying, "Love the company. Hate the stock." I'm beginning to take the opposite position. Love the stock. Hate the company. The rate of change since the introduction of these t...
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Money Talk
re: Apple will replace AT&T on Dow Jones on March 18th - Hand
[quote]Does it really mean anything to apple?[/quote] Any index funds tracking the Dow will now need to purchase shares of AAPL....
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Money Talk
re: $50k cash. You want to become a billionaire. How do you do it? - Hand
Like this.... [quote]Gates bought Paterson's program, called QDOS, for $50,000, renamed it DOS, improved it, and licensed it to IBM for a low per-copy royalty fee.[/quote] [link=(http://www.bloomberg.com/bw/stories/2004-10-24/the-man-who-could-have-been-bill-gates)]LINK[/link]...
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Money Talk
re: Oil/dollar - Hand
[img]https://qzprod.files.wordpress.com/2015/02/us-crude-oil-stocks-excluding-strategic-reserves-millions-of-barrels-four-week-average-actual_chartbuilder.png?w=1024[/img]...
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Money Talk
re: Oil/dollar - Hand
[img]http://research.stlouisfed.org/fred2/graph/fredgraph.png?g=ZSI[/img]...
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Money Talk
re: Oil/dollar - Hand
[quote]Saudi production flat (not cutting and getting screwed like they have in the past) + increased production from other OPEC countries as geopolitical conflicts aren't impacting production as much as they have before + US production increasing and increasing and increasing + strong US dollar + s...
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Money Talk
re: Good High-Yield Savings Accounts? - Hand
Amex is 0.80%....
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Money Talk
re: How wealthy are you? - Hand
[quote]THE AVERAGE NET WORTH OF THE ABOVE AVERAGE PERSON Age Avg Total NW 22 $ - 23 $ 20,000 24 $ 45,000 25 $ 70,000 30 $ 239,500 35 $ 418,000 40 $ 643,000 45 $ 891,000 50 $ 1,171,500 55 $ 1,511,500 60 $ 1,908,500 65 $ 2,420,500 Source: FinancialSamurai.com 2014[/quote] ...
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Money Talk
re: How wealthy are you? - Hand
[quote]Your Wealth Index (WX) is 0.064[/quote] [quote]You are a UAW[/quote] [quote]Note that it is difficult for people under 30 to reach the ranks of the PAW or BA unless you start out with significant assets before working. The under 30 crowd should be happy just to be not ranked as a UAW[/q...
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Money Talk
re: Advice on how to raise capital for a start up - Hand
That's hefty. Fundersclub and the like or Go to a decent sized regional CPA firm that also does wealth management --- if they are worth a damn they will help you connect the dots. There might also be some micro private equity firms in the nearest large city. or SBA loan with a UCC on ...
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Money Talk
re: Can anyone confirm or deny AAPL's dividend change post split? - Hand
[quote]so didn't change much then i think right? [/quote] They upped it 7.87% from $3.05 ($12.20 annual) to $3.29 ($13.16 annual) and made it divisible by 7....
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Money Talk
re: What are your monthly expenses vs monthly income - Hand
[b]Gross:[/b] Taxes 21.73% Disposable Income: 78.27% Expenses 28.88% Debt Service 7.56% Discretionary Income: 41.82% Savings 41.82% [b]Expenses:[/b] Utilities 7.64% Food 7.19% Transportation 6.32% Housing 4.50% Other 4.93% Insurance 3.16% Consumer Leverage Ratio: 0.36x...
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Money Talk
re: Myth or truth existence of IRM72 retirement plans - Hand
So I googled it. It's a scam. All they're explaining are DRIPs. DRIPS are some huge secret? The rule of 72 is some huge secret?...
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Money Talk
re: Where does the money come from when banks loan it out? - Hand
[quote]Lend it out at 5-10% Pay out 1-3 % Think about it.[/quote] Why do ROAs consistently and almost universally hover around 1.00%? At a 1.00% ROA, how much new interest income less cost of funds less cost of acquiring new interest income less cost of some place to store the paperwork a...
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Money Talk
re: Apple reportedly very close to buying Beats Electronics for $3.2B - Hand
[quote][quote]Dumbest purchase ever.[/quote] Much cheaper than buying Pandora or Spotify. They want to improve their music distribution. It isn't that ridiculous of a purchase. Only time will tell. [/quote] Consumers don't want to own content anymore. We're too fast paced. Consumers want steamin...
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Money Talk
re: Most efficient use of Amex points - not airfare or hotels - Hand
Gift cards to Zappos and Brooks Brothers are the best deals for things that I actually use. $50 per 5000pts = 1% Most other offers fall well below that....
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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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Posts By Hand
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