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Money Talk	re: End of job paycheck question - ZereauxSum on 6/17/13 at 2:05 pm [quote]Well I gave my official 2 week notice today and I was told that they'd like me to work a week then leave but I would be paid for the full two weeks. I got a bad feeling about this, should I get this in writing? [/quote] Well, unfortunately they don't owe it to you to keep you on for tw... Jump to Post in Topic - View Entire Topic
Money Talk	re: SAP implementation question - ZereauxSum on 6/14/13 at 8:23 pm [quote] Any large ERP package like that is going to involve major changes on the part of the organization.[/quote] This. And no one ever wants to change what they are doing re: systems and processes if the gratification isn't two minutes later. ... Jump to Post in Topic - View Entire Topic
Tiger Rant	re: Top 10 LSU players in NCAA Football 14 - ZereauxSum on 6/14/13 at 7:09 pm [quote]quote: 4. Zach Mettenberger, QB - 89 Overall bull shite.[/quote] It's a tad high but it's not like 89 OVR makes you a preseason all American. Mid 80s would have been legit IMO. ... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: Do you wash your hands after urinating? - ZereauxSum on 6/14/13 at 4:46 pm [quote]We have some nasty, nasty people on this board. [/quote] The irony is that they are that way because they believe that they are not that way. ... Jump to Post in Topic - View Entire Topic
Money Talk	re: Refinance question: HARP Loan? - ZereauxSum on 6/14/13 at 4:17 pm You would either approach a participating lender or you could go directly through HARP, who would find a local lender for you. IIRC, it works similarly to a private refi but with a lot more documentation. This could hav changed however. I think HARP is on its 3rd iteration now so might be more s... Jump to Post in Topic - View Entire Topic
Money Talk	re: Refinance question: HARP Loan? - ZereauxSum on 6/14/13 at 3:39 pm [quote]if you are not upside down then you dont need a Harp loan. [/quote] This. And you don't want to do it. It's an absolute pain in the rear for the borrower and bank. No idea why anyone would suggest this when you're not underwater. ... Jump to Post in Topic - View Entire Topic
Money Talk	re: does a kid get taxed? - ZereauxSum on 6/14/13 at 12:39 pm [quote]damn. i didn't know that a 16 year old would have to file taxes. [/quote] If you earn above a threshold (9 or 10K I think) you have to file. But if you're 16 you're almost certainly doing a 1040EZ which is not remotely hard to do. ... Jump to Post in Topic - View Entire Topic
Money Talk	re: Can Someone w/experience Tell me the negatives of deep out of the money puts - ZereauxSum on 6/14/13 at 10:01 am [quote]and yes I dont mind paying $70 in 18 months regardless bc the dividend should be over $4.20 give or take by then with an increase this september and next and the yield will be near 6% on a blue chip so yes please! [/quote] Well, you seem to have convinced yourself that you are willing to b... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: Black OT, do you prefer a clipper line up or a straight razor line up? - ZereauxSum on 6/14/13 at 9:27 am [quote]What the hell is a clipper line or razor line? [/quote] [quote]where your hair stops, and your skin starts[/quote] And to answer the OP, I don't really see the point of a clipper line first. If you're going to do a razor do a razor. ... Jump to Post in Topic - View Entire Topic
Money Talk	re: Can Someone w/experience Tell me the negatives of deep out of the money puts - ZereauxSum on 6/14/13 at 9:10 am [quote]I can use per contract... $980 in margin to make $385 in the next 18 months and worst case scenario I have to pay $7,000 for stock I'd pay $9300 for [u]as of this moment?[/u] [/quote] Not an expert by any means, but I believe the "flaw" here is that you assume you will be willing to pay $7... Jump to Post in Topic - View Entire Topic
Money Talk	re: Say hello to the world's first Bitcoin baby - ZereauxSum on 6/13/13 at 5:00 pm [quote]So short term fluctuations are more important to you than long term trends? [/quote] For me yes, because I typically don't have cash sitting around for years. The long term trend isn't relevant. [quote]I guess you're cool with this too??? [/quote] Yes again, as long as my dollar den... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: America's worst charities article - ZereauxSum on 6/13/13 at 11:53 am [quote]Maybe the amount spent on fundraising but not percentage, if that makes sense.[/quote] I agree they probably have to spend more in absolute terms, but I'm wondering if smaller charities are more efficient fundraisers dollar for dollar. That'd be something interesting to take a look at. ... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: iPhone 5S and Low-Cost iPhone Due in September; 4.7" & 5.7" models in 2014? - ZereauxSum on 6/13/13 at 11:33 am [quote] i like the size of my 4S. [/quote] Me too. If the phones got no bigger than my 4S I would be fine. I'm really starting to wonder what drives decision making at Apple. They implement some real head scratchers sometimes. iTunes Radio, even bigger screens, passbook, Apple Maps...no one ... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: iPhone 5S and Low-Cost iPhone Due in September; 4.7" & 5.7" models in 2014? - ZereauxSum on 6/13/13 at 11:25 am [quote] IPhone users do not want bigger phones.... [/quote] This. 5 inches max. If you want something bigger get a tablet. Unless you're Shaq you can't even get to the whole screen with one hand. ... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: iPhone 5S and Low-Cost iPhone Due in September; 4.7" & 5.7" models in 2014? - ZereauxSum on 6/13/13 at 11:03 am [quote]5.7 inches[/quote] I'm going to go against the heard here and say: [i]Do not want. [/i] Honestly, half a foot? We're approaching min tablet size for something that is supposed to be a phone. ... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: America's worst charities article - ZereauxSum on 6/13/13 at 10:45 am In wonder if there is any correlation between size and the percentage spent on fundraising. I always feel more comfortable giving to smaller charities. Maybe that's justified. ... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: So It Seems White Americans Are Now A Dying Breed - ZereauxSum on 6/13/13 at 10:12 am [quote]I'd like to apologize to the old racists in this thread. My white wife and I don't plan on having any kids. They're noisy, expensive, and they stink. We'd rather spend that money travelling.[/quote] frick your apology!! You're failing to propagate for the good of the white race!! You're let... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: So It Seems White Americans Are Now A Dying Breed - ZereauxSum on 6/13/13 at 10:00 am [quote]And judging from this thread and the article, only white people's fertility rate is declining. Both are completely untrue. [/quote] Absolutely this. ... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: So It Seems White Americans Are Now A Dying Breed - ZereauxSum on 6/13/13 at 9:57 am [quote]and that would be their own doing. Keep trotting out the Palins and Santorums and the Bachmans and letting them speak for your party and you'll get zero support from [b]sane people[[/b]/quote] FIFY. ... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: So It Seems White Americans Are Now A Dying Breed - ZereauxSum on 6/13/13 at 9:50 am [quote]You bring up a good point. As a whole are white people the only race that pays federal income tax.[/quote] Yeah, the first 1.5 pages or so of this thread were pretty ridiculous. Just wanted to point that out. :lol:... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: So It Seems White Americans Are Now A Dying Breed - ZereauxSum on 6/13/13 at 9:42 am [quote]My wife and I are both 33 years old. We have no kids and don't plan on having kids. We have a mortgage, two cars, and student loans. We are fine with our dog. BTW, we are black.[/quote] But but but...only white people pay taxes!... Jump to Post in Topic - View Entire Topic
Money Talk	re: Market Predictions for the Day? 6/13 - ZereauxSum on 6/13/13 at 8:20 am [quote]Treasuries are absolute dogs, do you wanna buy 10 year treasuries that dont grow in value and pay 3% annually from a country that is $17 trillion in debt and growing? [/quote] This makes a lot of sense to me. I've always been told that capital flows to the markets with the highest risk ... Jump to Post in Topic - View Entire Topic
Money Talk	re: Are all small business terrible to work for? - ZereauxSum on 6/13/13 at 7:37 am Like others have said, I think it depends on personal preference. Since grad school, I have worked for 3 companies. The first had 500 employees, the second had 2800 and my current employer has 30000+. The benefits got progressively better and IMO, middle and senior management seems to work b... Jump to Post in Topic - View Entire Topic
Money Talk	re: Need help resolving fiance's credit card debt issue(seeking collection) - ZereauxSum on 6/12/13 at 4:30 pm [quote]The "income" would be on the original balance, right? [/quote] It depends. Most likely, the $15K figure came partially out of their ass. I say partially because what they probably did was take the past due APR and applied it retroactively even though BOA charged it off. If BOA didn't... Jump to Post in Topic - View Entire Topic
Money Talk	re: Need help resolving fiance's credit card debt issue(seeking collection) - ZereauxSum on 6/12/13 at 2:55 pm [quote]I would still feel like I backed out on a debt. Because that's what happened. Somebody somewhere got left holding the bag and that was BOA. I would consider it settled if she sent the credit card company what she initially owed them.[/quote] I guess I can understand feeling that way, I jus... Jump to Post in Topic - View Entire Topic
Money Talk	re: Need help resolving fiance's credit card debt issue(seeking collection) - ZereauxSum on 6/12/13 at 2:22 pm [quote]Me? I'd pay the $2300 knowing that a debt that I legally owed was considered paid in full. I don't walk away from my obligations. [/quote] Why $2300? The original CC balance was $3500. Not flaming, but the $2300 is totally arbitrary. The collector knows he has zero ability to collect ... Jump to Post in Topic - View Entire Topic
Money Talk	re: Need help resolving fiance's credit card debt issue(seeking collection) - ZereauxSum on 6/12/13 at 2:12 pm [quote]Thanks for all the info it's in Texas fwiw you guys are great ill call them tonight how do I find out the statute of limitations there on this matter?[/quote] According to [link=(http://www.bankrate.com/finance/credit-cards/state-statutes-of-limitations-for-old-debts-1.aspx)]Bankrate.com[/... Jump to Post in Topic - View Entire Topic
Money Talk	re: Need help resolving fiance's credit card debt issue(seeking collection) - ZereauxSum on 6/12/13 at 1:56 pm [quote]I'd want a copy of the 'summons.' I would be interested in what they are summoning her for. [/quote] I found this to be a little strange as well. In most jurisdictions, I believe papers have to either be sent certified mail or served by the sheriffs office. If there is no summons, that'... Jump to Post in Topic - View Entire Topic
Money Talk	re: Need help resolving fiance's credit card debt issue(seeking collection) - ZereauxSum on 6/12/13 at 1:45 pm [quote]I talked with the guy on the phone and in a minute he offered to settle for $2300[/quote] This is because: [quote]This card doesn't even appear on her credit report [/quote] And [quote]she stopped paying in 2006 [/quote] Basically, a bad debt buyer has purchased the debt and th... Jump to Post in Topic - View Entire Topic
O-T Lounge	re: Russia passes homosexual and religious laws. - ZereauxSum on 6/12/13 at 10:22 am Good to see that totalitarianism is still alive and well in mother Russia. Seems to be some of it in the US based on some of these posts :casty:... Jump to Post in Topic - View Entire Topic

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