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Favorite team:LSU 
Location:Baton Rouge
Biography:
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Occupation:Student
Number of Posts:42278
Registered on:3/12/2006
Online Status: Online

Recent Posts

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re: Secured LOCs: What is the point? - Volvagia
You proved my point, most of the posts seemed to be answering the subject line as opposed to the OP. I am NOT speaking of HELOCs which allow you to tap an otherwise illiquid asset cheaply. Or even portfolio lines of credit where one could be betting that the growth of the assets could outstr...
Posted on Money Talk
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re: Secured LOCs: What is the point? - Volvagia
[quote]Need to read the above posts. There are a couple good examples. [/quote] 80% of them don't seem to really apply. They seem to be referring to some kind of unsecured LOC or a HELOC. You don't take out a 5000 dollar loan on 5000 dollars cash because of the "cheap money." Basically ...
Posted on Money Talk
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re: Can anyone here define 'a decent standard of living.' - Volvagia
[quote]Wait, what? Bernie says that 40 hour work week should be mandated and anything above that is excessive. That's too much work for one person.[/quote] And you should be taxed on that excess at 75%. Know your place you greedy frick. ...
Posted on Political Talk
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re: We already live in a dictatorship, and barring a new constitution, will continue - Volvagia
Oh, okay then. That makes selective enforcement okay then...
Posted on Political Talk
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re: Sanders: African-Americans lost half their wealth because of Wall Street collaps - Volvagia
Well, let's talk about it: There are examples of black individuals (and they aren't outliers, and in cases proportional to the population demographics) archiving the highest levels of financial success. If the cause of the disparity is systemic and institutionalized, what separated that group...
Posted on Political Talk
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re: Sanders: African-Americans lost half their wealth because of Wall Street collaps - Volvagia
[quote]How is the average net worth of black households only $5,000 when the average annual household income is like $30,000 a year for blacks[/quote] 1) saving in general in America is atrocious. 2) many (most?) people have a negative net worth for a sizable portion of their lives after you ...
Posted on Political Talk
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re: Sanders: African-Americans lost half their wealth because of Wall Street collaps - Volvagia
I'd be more interested in data that removes sub-prime lending data points in both categories ...
Posted on Political Talk
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re: Hey unions, eat a big one! - Volvagia
[quote]I hate unions just like yall do, but the last thing we need is to be losing more jobs to Mexico, China, Korea, etc. We lose tax revenue when these jobs move and we put more people on welfare. Anyone cheering that 1400 people lost their jobs bc "they're union fricks" should have to foot the bil...
Posted on Political Talk
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re: Secured LOCs: What is the point? - Volvagia
[quote] Sounds like you need to get that credit score up a little hoss... then the mean, old banker won't make you pledge everything you own[/quote] Actually I just purchased a house and have an unsecured LOC with my bank. But thanks for caring :thup: I was just looking over my banks offerin...
Posted on Money Talk
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re: English is such a crappy language - Volvagia
Third and Seventh buffalo should be capitalized. And you forgot one. You just proved the OP's point. :casty: ...
Posted on O-T Lounge
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re: Secured LOCs: What is the point? - Volvagia
I'm not talking about something secured by equities or even a CD.....I'm talking about a savings account where there isn't even a liquidation event, just a withdrawal to tap the assets. Where is the value in paying the bank a fee to utilize that asset rather than simply withdrawing?...
Posted on Money Talk
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re: Was Hitler any worse than Alexanderthe Great , Caesar, ect...? - Volvagia
[quote]Hitler is responsible for more deaths than anyone in history[/quote] I will never understand why this guy gets so much more of a pass than Hitler: [img]https://upload.wikimedia.org/wikipedia/commons/thumb/e/e8/Mao_Zedong_portrait.jpg/453px-Mao_Zedong_portrait.jpg[/img] I mean sometim...
Posted on O-T Lounge
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Secured LOCs: What is the point? - Volvagia
Can someone explain the advantage to using a secured LOC, that is, a LOC that uses very liquid collateral such as a savings account in exchange for a very low interest rate. I just don't see why I wouldn't simply use the funds already present to deal with whatever shortfall there is....
Posted on Money Talk
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re: Late Night 'Motor Noises' Heard From Apple-Leased Sunnyvale Campus in Bay Area - Volvagia
[quote] Would anyone actually buy an over priced car that the manufacturer is just going to release a "better" version of every year?[/quote] Couldn't you pose literally the exact same question with any luxury car manufacturer as the subject?...
Posted on O-T Lounge
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re: China has created an ‘Artificial Sun’ That Could End Reliance On Fossil Fuels - Volvagia
Again, heat doesn't equal energy quantity. Lightning is hotter than the surface of the sun. ...
Posted on O-T Lounge
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re: U.S. tells Google computers can qualify as drivers - Volvagia
I don't think fully autonomously. There was a "driver" in the car at all times that would presumably bear legal definitions of driver. This ruling means that the computer fits the bill legally. Aka, you don't legally need to watch the road to possibly "step in" the government will acce...
Posted on O-T Lounge
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re: NARAL is melting over Super Bowl commercials - Volvagia
[quote]@Audi - you couldn't find a single female astronaut to feature in your ad? #NotBuyingIt #SB50[/quote] Wait......are they bitching about the commercial with the old retired astronaut that is depressed? Where the focus wasn't really on the space part anyway and what space part there was is ...
Posted on Political Talk
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re: Why Berniecare will never exist in the USA! - Volvagia
[quote]Well I never say never, but Bernie certainly can't get it done. I can't help but laugh at Sanders supporters who 1, believe he can actually do anything he says and 2, that this country can actually afford without a MASSIVE increase in taxes on the middle class.[/quote] Its like his support...
Posted on Political Talk
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re: Is it bad to solely invest in the 401K? - Volvagia
[quote]Whats the math on this. Its seems to me it would be REALLY hard to beat the head start on your tax free money gets in the 401k.[/quote] If you are in the same tax bracket as the contribution there is no difference between the two. Traditional is betting you are paying a higher rate n...
Posted on Money Talk
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re: Just a reminder that "Objectum Sexuals" exist in this crazy world - Volvagia
"I want your fluids. I want your fluids. I want your fluids."...
Posted on O-T Lounge
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