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RE: Participating in History (OT)

 
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RE: Participating in History (OT) - 8/10/2011 8:37:38 PM   
jeffk3510


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I understand your thought process and respect it as well. Risk tolerances come in all shapes and sizes. I will gladly borrow money at 2 % to make 15% return on my own, on something I can control...I too own clothes from Target (Mainly Wal-Mart, Target is too far away to drive to ), and my wife's car is a 2005. (It was an 88' Sable before we had our child and needed room). We live well within our means, and by no means have an extravagant lifestyle.

< Message edited by jeffk3510 -- 8/10/2011 8:39:40 PM >


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Post #: 61
RE: Participating in History (OT) - 8/10/2011 8:40:00 PM   
mc3744


Posts: 1957
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Quick note.

In my humble opinion.
Good debt = investment
Bad debt = cost

Sometimes you know which one it is only when it's too late.

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Post #: 62
RE: Participating in History (OT) - 8/10/2011 9:05:47 PM   
Panjack

 

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quote:

ORIGINAL: jeffk3510
I understand your thought process and respect it as well. Risk tolerances come in all shapes and sizes. I will gladly borrow money at 2 % to make 15% return on my own, on something I can control...I too own clothes from Target (Mainly Wal-Mart, Target is too far away to drive to ), and my wife's car is a 2005. (It was an 88' Sable before we had our child and needed room). We live well within our means, and by no means have an extravagant lifestyle.

You must be a pretty good credit risk if you're paying 2% interest to borrow money while mortgage rates are around 4%. And, in the current investment climate, a 15% yield suggests to me a highly risky investment with risks exceeding even so-called junk bonds.

I wish you luck!

(But perhaps you always get good rolls of the dice. I tend to get ships sunk when I do something risky).

< Message edited by Panjack -- 8/10/2011 9:08:43 PM >

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Post #: 63
RE: Participating in History (OT) - 8/10/2011 9:17:38 PM   
warspite1


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quote:

ORIGINAL: Panjack

quote:

ORIGINAL: jeffk3510
I understand your thought process and respect it as well. Risk tolerances come in all shapes and sizes. I will gladly borrow money at 2 % to make 15% return on my own, on something I can control...I too own clothes from Target (Mainly Wal-Mart, Target is too far away to drive to ), and my wife's car is a 2005. (It was an 88' Sable before we had our child and needed room). We live well within our means, and by no means have an extravagant lifestyle.

You must be a pretty good credit risk if you're paying 2% interest to borrow money while mortgage rates are around 4%. And, in the current investment climate, a 15% yield suggests to me a highly risky investment with risks exceeding even so-called junk bonds.

I wish you luck!

(But perhaps you always get good rolls of the dice. I tend to get ships sunk when I do something risky).
Warspite1

Panjack - I think jeffk3510 was using those figures as an example......and if you weren't jeffk3510 then I want some that investment opportunity!!

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Post #: 64
RE: Participating in History (OT) - 8/10/2011 9:48:24 PM   
jeffk3510


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Clearly an example. I just don't trust something I can't control to make myself a return is all I am saying. I can on certain things, and the stock market isn't one of them.

Company at 2% yes, personal - depends what mood the banker is in...



< Message edited by jeffk3510 -- 8/10/2011 9:50:03 PM >


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Post #: 65
RE: Participating in History (OT) - 8/10/2011 9:50:35 PM   
jeffk3510


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quote:

ORIGINAL: Panjack

quote:

ORIGINAL: jeffk3510
I understand your thought process and respect it as well. Risk tolerances come in all shapes and sizes. I will gladly borrow money at 2 % to make 15% return on my own, on something I can control...I too own clothes from Target (Mainly Wal-Mart, Target is too far away to drive to ), and my wife's car is a 2005. (It was an 88' Sable before we had our child and needed room). We live well within our means, and by no means have an extravagant lifestyle.

You must be a pretty good credit risk if you're paying 2% interest to borrow money while mortgage rates are around 4%. And, in the current investment climate, a 15% yield suggests to me a highly risky investment with risks exceeding even so-called junk bonds.

I wish you luck!

(But perhaps you always get good rolls of the dice. I tend to get ships sunk when I do something risky).



I tend to get the bad rolls, if were talking about AE....I lose a lot of ships my friend

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Post #: 66
RE: Participating in History (OT) - 8/10/2011 10:08:03 PM   
tocaff


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I'm seriously considering borrowing money in the US with it's low interest rates and investing it here in Brazil.  I could make a profit just by throwing the money into a savings account!  Very tempting.

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Post #: 67
RE: Participating in History (OT) - 8/11/2011 12:12:42 AM   
Joe D.


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Recently the company I work for has actually increased my paultry PT hours!

After a lull in sales, we have orders to fill for spectrophotmetric and similar equipment to the "Third World".

I wonder if our devalued dollar is turning the price of our hi-tech equipment into bargains?

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Post #: 68
RE: Participating in History (OT) - 8/11/2011 1:39:06 AM   
mc3744


Posts: 1957
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Developing countries are actually the only ones "developing"

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Post #: 69
RE: Participating in History (OT) - 8/11/2011 1:58:44 AM   
Nemo121


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Well, there are still opportunities out there for investing if you are willing to engage in independent analysis and run a few risks. Nowadays those willing to take risks, with access to personal saved capital or prudently borrowed funds and capable of independent analysis and broad vision will be able to find opportunities. This forum ( and society in general ) shows that a confluence of such abilities isn't common though.

< Message edited by Nemo121 -- 8/11/2011 2:04:57 AM >


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RE: Participating in History (OT) - 8/11/2011 2:07:00 AM   
Cap Mandrake

 

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Market timing works. Every time we fund our annual 401-k matching contributions the market tanks...within a few days of making our deposit. I will try to let everyone know next time.


Also, when my ice maker stops working in my 18 year old freezer...it is very bearish.
It's not working right now. When it starts working again mysteriously it is not only good for making mixed drinks, it also means the market will rise.

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Post #: 71
RE: Participating in History (OT) - 8/11/2011 2:23:33 AM   
JWE

 

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Well. thats the most smarmy and nominal advice I've ever heard. Let me give you another one; if ya don't sell. ya don't lose.

Bought gold, to 15% of the portfolio when it was $1214.00. Not bad as a backup. Rest of the portfolio is is in securities. Ok, they went down, but it's in a capital secured annuity, so what the hey? Wait, wait, wait. If ya don't need all the money right now, what the heck ya selling for?

3 to 4 years from now, we're back in business, with a more realistic roi, and the market will correct. This is America. This is not a Marxist/Leninist socialist state (yet, but over my dead body and many others). Have the ability to get robust again. Watch out buttholes. We will remember.

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RE: Participating in History (OT) - 8/11/2011 2:27:41 AM   
zzodr


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quote:

ORIGINAL: Nemo121

Well, there are still opportunities out there for investing if you are willing to engage in independent analysis and run a few risks. Nowadays those willing to take risks, with access to personal saved capital or prudently borrowed funds and capable of independent analysis and broad vision will be able to find opportunities. This forum ( and society in general ) shows that a confluence of such abilities isn't common though.


Well sheeet... I thought this was a forum for WITP:AE not wannabe stock market advice.
As to bagging the abilities of people on this forum, well they have enough abilities to play WITP:AE
and give helpful advice to others so thats good enough for me.



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Post #: 73
RE: Participating in History (OT) - 8/11/2011 3:59:47 AM   
RevRick


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As far as we go... to quote a famous Marine... "Issue in doubt."  Personally, too much has happened too fast to the family, including a year leave of absence at the exact wrong time, a sister who is now terminal, and a son who has succumbed to a deep psychosis and financially and spiritually broken the family.  We have lost all of our savings and 50% of our income in the family as a result, with no reduction in costs.  Vocationally, the parish has lost 20% of the usual giving, which is leading to struggles to hold on, let alone be able to fulfill our missional work.  Even the normal benevolences we use to help others in more dire straits is lagging.  So, we pray, we hold on, and trust that God will see us through, somehow at some time.  But, it sure is interesting.     

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Post #: 74
RE: Participating in History (OT) - 8/11/2011 6:04:59 AM   
ilovestrategy


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RevRick, I LOVE your sig! 

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Post #: 75
RE: Participating in History (OT) - 8/11/2011 6:36:53 AM   
Grunt


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Twenty eight years in the printing paper industry. It's never been tougher than now. When business declines, business communication declines and therefore printing. The impact of technology on printing is a double whammy. I don't think I can finish my career in this industry. I don't feel secure and my company is 1/3 the size it was five years ago.

I've begun to work on a second career (financial services) to hedge my bets. It will take a while to build my clientele but in these times, many people need financial planning advice.

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Post #: 76
RE: Participating in History (OT) - 8/11/2011 8:06:22 AM   
jmalter

 

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things aren't going well for me, no job for 22 months, savings declining since UI ran out. lately i'm thinking that if i do find work, i'll be taking the slot from someone else.

otoh, my bro-in-law & sister are doing well, financing their future as well as their kids' educations.

my retired parents are better than comfortable w/ SS & pensions. i'm glad of that, they were both born in '27 and grew up in lean circumstances.

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Post #: 77
RE: Participating in History (OT) - 8/11/2011 2:17:03 PM   
bjmorgan


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I guess I'm the anomaly here. My wife lost her teaching job, but it was only about 20% of our total income. At her age, it's very difficult to find something else, but she's still looking. Kids grown and gone. Not paying for college for anybody. We can bear the reduction in income (and the taxes it cost us).

Despite what other posters from Texas might have said, the economy here is not in dire straits. It's been a lot better, of course, but it certainly has not seen the decline that most other states have. Big layoffs are not really happening except, perhaps, in K-12 education. Some districts have done some, but others have not. I think it's a lot of overreaction. (And wonder why the administrations seldom take much of a hit.)

After my military service, I used my vet benefits to get an MBA, then Hazelwood to get my doctorate. The Hazelwood Act allows a Texas veteran to atttend school at virtually no cost (I paid $38 a semester at A&M to get my doctorate, not counting books), so I would have been an idiot not to take advantage of that. I am now working at a university and do not see any imminent possibility of being asked to leave. And, if it did happen, I probably would just retire and tell the world to bite me. I could then play AE until I went blind.

I sincerely sympathize with others who are not so fortunate. Generally, the economy is in bad shape and not getting much better. But, like someone else has said, this too will pass. My advice to anyone and everyone is to continue your education: trade schools, grad school, GED, whatever. It opens opportunities. It might just be a slight edge over others, but it is an edge. I worked in the community college world for a long time (20 years) and know that they have programs to help virtually anybody at a reasonable cost (if not free in some cases). I've personally set up programs for out of work engineers, accountants, and, yes, even nurses. Check your local place out.

So, good luck you guys. Hope things get better for you.


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RE: Participating in History (OT) - 8/11/2011 4:47:06 PM   
Dixie


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Waiting to see if my services will be required beyond the beginning of 2013. If not then I've been places most people will only ever see on TV, seen things that most people will never see, learned a trade, played with some expensive toys, met some great people (and some ****s), served my country and been paid for it all. Plus, all that and free shoes!

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Post #: 79
RE: Participating in History (OT) - 8/11/2011 4:58:35 PM   
Cribtop


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I would echo bjmorgan. Things here in Texas are significantly better than average. I've traveled elsewhere recently and the difference is notable. That said, the real boomtowns in the US right now are the two big shale oil plays, the Bakken in N. Dakota and the Eagle Ford in south Texas. If anyone needs a job, either as a roughneck, accountant, homebuilder or truck driver, those are the places to be.

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RE: Participating in History (OT) - 8/11/2011 5:16:32 PM   
LST Express


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I just have one question, where the hell is Mosquito Bite Texas?

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RE: Participating in History (OT) - 8/11/2011 7:24:46 PM   
bjmorgan


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Mosquto Bite is my euphamism for the community I live in in Galveston County. Sit outside in the evening anytime between April and October and you'll understand. (Being from Waco, you pobably understand already.) Hell, I've seen a swarm of 'em suck a full grown bull completely dry in thirty seconds. Nothin' but a pile of hide and bones. We have a lot of Confederate Airforce planes fly over from time to time. We can hear them coming for miles. Sadly, most often when we hear that sound of rotary piston engines and run outside to admire some old warbirds, we discover it's just the sound of the opening of human hunting season for those voracious little flying creatures.

And I'm not exaggerating ... well, not much.


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Post #: 82
RE: Participating in History (OT) - 8/11/2011 8:01:43 PM   
Canoerebel


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Now there's a teller of tall tales!  That man is a Texan!

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RE: Participating in History (OT) - 8/11/2011 8:03:47 PM   
Cap Mandrake

 

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bjmorgan;

If your current gig does not work out you could always get a job with the Gavleston County Tourism Authority

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Post #: 84
RE: Participating in History (OT) - 8/11/2011 8:09:54 PM   
Cribtop


Posts: 3708
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NEVER let the facts get in the way of a good story!

Only good thing about our awful drought in Austin is I think I've only gotten one mosquito bite all summer. That is approximately 1 X 10 to the 90th power less bites than in an average summer.

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Post #: 85
RE: Participating in History (OT) - 8/11/2011 8:16:13 PM   
LST Express


Posts: 512
Joined: 3/1/2005
From: Texas
Status: online
Yeah, mosquitos here are too parched to pucker this year.

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Post #: 86
RE: Participating in History (OT) - 8/11/2011 8:25:30 PM   
jeffk3510


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From: Kansas
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I hear ya on the mosquitos. Flies are bitting like mad this year though...

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Post #: 87
RE: Participating in History (OT) - 8/11/2011 8:46:08 PM   
RevRick


Posts: 2539
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From: Dontblinkyoullmissit, GA
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quote:

ORIGINAL: bjmorgan

Mosquto Bite is my euphamism for the community I live in in Galveston County. Sit outside in the evening anytime between April and October and you'll understand. (Being from Waco, you pobably understand already.) Hell, I've seen a swarm of 'em suck a full grown bull completely dry in thirty seconds. Nothin' but a pile of hide and bones. We have a lot of Confederate Airforce planes fly over from time to time. We can hear them coming for miles. Sadly, most often when we hear that sound of rotary piston engines and run outside to admire some old warbirds, we discover it's just the sound of the opening of human hunting season for those voracious little flying creatures.

And I'm not exaggerating ... well, not much.


What that poor Texan ain't telling you is that those skeeters there are the runts that are kicked out of the Everglades because they aren't up to par. The real skeeters in the Everglades don't even bother with cattle, they head straight for the gators.. We had a few land at the local airport. The ground crew thought they'd get rid of them by filling them up with the insecticide used in the fields - but all it did was get them drunk. We had to get some people willing to go down there and see if we could find enough of the ground crew to say some words over. The real reason the Air Force worked out over the glades was that the skeeters were the only practice they could have that would prepare them for shooting wars. Guess we ought to send some of those old Swamp Rats that live out there over to Texas to help them poor fellers protect their herds....

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Post #: 88
RE: Participating in History (OT) - 8/11/2011 9:14:14 PM   
Schanilec

 

Posts: 3273
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From: Grand Forks, ND
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quote:

ORIGINAL: Cribtop

I would echo bjmorgan. Things here in Texas are significantly better than average. I've traveled elsewhere recently and the difference is notable. That said, the real boomtowns in the US right now are the two big shale oil plays, the Bakken in N. Dakota and the Eagle Ford in south Texas. If anyone needs a job, either as a roughneck, accountant, homebuilder or truck driver, those are the places to be.


It is somewhat slow at this end of the state unemployment around 3.8%-3.9%. That's pretty high for Norrth Dakota. I am getting a normal 40 hours the last couple of weeks. So it is picking up. I hope it continues.
The western half of the state if there is unemployment it is near nil. And they are making truck loads of money. They need more people out there. The problem is no place to rent or buy. I believe we are one of only a couple of states running the black. Over 3.8 billlion in a state of 640,000.

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Post #: 89
RE: Participating in History (OT) - 8/11/2011 9:17:32 PM   
Canoerebel


Posts: 9773
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From: Northwestern Georgia, USA
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quote:

ORIGINAL: RevRick
What that poor Texan ain't telling you is that those skeeters there are the runts that are kicked out of the Everglades because they aren't up to par. The real skeeters in the Everglades don't even bother with cattle, they head straight for the gators.. We had a few land at the local airport. The ground crew thought they'd get rid of them by filling them up with the insecticide used in the fields - but all it did was get them drunk. We had to get some people willing to go down there and see if we could find enough of the ground crew to say some words over. The real reason the Air Force worked out over the glades was that the skeeters were the only practice they could have that would prepare them for shooting wars. Guess we ought to send some of those old Swamp Rats that live out there over to Texas to help them poor fellers protect their herds....


This proves that Georgians, too, can tell tall tales. What must RevRick be like in the pulpit?

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Post #: 90
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