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2017/09/24 [General] UID:1000 Activity:popular
9/24    

2007/4/17-19 [Finance/Banking, Reference/RealEstate] UID:46348 Activity:nil 92%like:46343
4/17    Foreclosures up 800% in California from a year ago
        http://urltea.com/dxp (latimes.com)
        \_ link:www.mercurynews.com/help/ci_5684801
           "On a loan-by-loan basis, mortgages statewide were least likely to
           go into default in Marin, San Francisco, San Mateo and Santa Clara
           counties"
           \_ Defaults are also up in these counties.
              \_ agreed, and at a significant rate from the previous quarter,
                 but my point is it might not be enough
2007/4/17-19 [Finance/Banking] UID:46341 Activity:low
4/17    Dear home loan experts. I'm thinking of doing a traditional 30 year
        6.250% loan. However the loan officer is also suggesting a
        non-traditional fixed 30 year INTEREST ONLY loan for only ~5.85%
        with the option of paying more a month which will count towards
        the principle. Suppose I pay a constant amount of money per month
        REGARDLESS of the first or the second type of loan. Wouldn't the
        second type of loan be better because it has a lower interest rate,
        meaning that more of my payment will go towards paying the principle?
        Please help, thanks.
        \_ I think your analysis is right on.  I don't see any benefit
           to taking the traditional loan, *IF* you actually plug more
           than the payment in every month.
        \_ Well, sure, all else being equal.  However, is the interest-only
           loan adjustable?  Also check the "points", and fees.  Never trust
           anyone trying to sell you something.
           \_ Ding ding!  What are the closing costs?  If there's no prepayment
              penalty, and the closing costs (including points, origination
              fee, etc.) are the same, pick the lowest interest rate.
           \_ The guy already said "fixed 30 year INTEREST ONLY", so it's
              not an ARM.
              \_ Ah, right you are.  I missed the 'fixed.'
        \_ So you're saying that, if you elect to pay interest-only for the
           whole 30 years, then 100% of the principal is due at 30 years in
           a balloon payment, OR you refinance?
           But regardless it's 5.85% on (remaining) principal for the entire
           30 years?
        \_ you sure the 5.85% is for fixed and not for an ARM?  Your loan
           officer may not have been clear about that.  If fixed is 6.250%,
           I believe fixed interest-only should be ~ 6.375% or more.
           \_ Why do you believe that? Interest only loans can have lower
              interest rates. The reason is the amount of money at the
              backend. I am guessing that the total costs of the two loans
              are not the same. Is this guy quoting the APR or the nominal
              rate?
              \_ http://tinyurl.com/2gsavl (azcentral.com)
                 "fixed-rate interest-only mortgages typically carry a rate
                 that is one-eighth to three-eighths of a percentage point
                 higher than the rate on a traditional 30-year fixed-rate
                 mortgage"
                 once again, I think the most likely explanation is op /
                 op's loan officer is confusing fixed rates with APR rates
                 \_ Key word: typically.
                    \_ okay, I provided evidence for my side.
                       your evidence is, "well, i think this could be an
                       exception!"
                    \_ Please provide URL showing that "Interest only loans can
                       have lower interest rates" - without a catch like a
                       prepayment clause and obvious ones like paying points
2007/4/13-15 [Finance/Banking, Computer/HW/Drives] UID:46293 Activity:nil
4/13    John Walker Lindh picture
        http://news.yahoo.com/s/ap/20070412/ap_on_re_us/american_taliban
        That picture looks like a cool cover for a CD album.
2007/4/2-3 [Finance/Banking, Politics/Domestic/California] UID:46180 Activity:kinda low
4/2     New Century files for bankruptcy
        http://www.reuters.com/article/newsOne/idUSN0242080520070402
        \_ Any idea how many defaults are occuring in the Bay area?
           \_ http://tinyurl.com/ysnblw (sfgate.com)
              It really depends on the county.  SF/Santa Clara/Marin remain
              strong.  Concentration of rich bastards and plentiful $80-150K
              jobs do that to an area.  Look at Manhattan.
              \_ Um...but you can't afford an SF house on a 150K income...
                 \_ dual-income via marriage/SO/friend + family help +
                    several years of saving for a deposit assumed
                 \_ Sure you can. There are plenty of starter homes for
                    $700k in The City. And a person who makes 150k can
                    afford the $3k/mo (after tax break) that this costs.
                    \_ Actually there aren't plenty of $700K starter homes
                       any more.  The price is still going up.
                       \_ Going to http://sfarmls.com putting in price from 650-700
                          and including only districts 1-9 (excluding 10)
                          gives me 25 homes. If I include 10, which is the
                          roughest part of town, I get 65. Granted, most of
                          the 25 are pretty small, but that is what $700k
                          gets you these days.
                          \_ And in 6 unit ellis acted tics.  Or maybe in
                             the farthest reaches of visitation valley.
                             Any place remotely buyable is snapped up ASAP.
                             The SF markey is still insane.
                             \_ You may want to visit http://patrick.net to
                                commiserate with others in your same
                                situation.
                                \_ How sad that $700k is considered a starter
                                   home and you get the benefits of slum life
                                   to go with it.
2007/3/27-31 [Finance/Banking] UID:46116 Activity:nil
3/27    http://tinyurl.com/2wbv5j (voiceofsandiego.org)
        San Diego default notices, foreclosures from Jan 91 - Feb 07.
        graph1 - absolute number ; graph2 - as percentage of population
        \_ The second one appears to be off by an order of magnitude.
           \_ No facts on MOTD please. :-)
           \_ please note graph2 uses % of pop, not % of mortgages
              \_ Right, and 1200/1.2M != 1.0%
                 \_ sorry.  i wrote an e-mail to the guy.
                    he wrote back and will fix the mistake..
2017/09/24 [General] UID:1000 Activity:popular
9/24    

2007/3/17-20 [Finance/Banking] UID:46005 Activity:nil
3/16    Google does wildcards now.
        Results 1 - 10 of about 919,000 for i'm in ur * *ing ur *.
        \_ This doesn't quite work for me -- you can use * to match a word,
           but *ing seems to only match * and ing as separate words.
2007/3/14-17 [Finance/Banking, Reference/RealEstate] UID:45968 Activity:nil
3/14    NEW delisted so fast it doesn't show up on Yahoo! Finance anymore
        http://finance.google.com/finance?q=new
        \_ Holy cow. I didn't know Google was doing a finance interface.  That
           is about the coolest thing I've ever seen.
           So what happened Feb 8? (Oh wait, they had to restate earnings)
2007/1/22-28 [Finance/Banking] UID:45565 Activity:nil
1/22    When I first stared using ING Direct it took 2-3 days to transfer
        money. Then later on3-4 days. Now they're saying "it is
        usually 3-4 days but YMMV." In practice, it is now taking 7
        days to transfer to/from bank accounts. I'm one of the first customers
        on ING Direct and I'm really disappointed at their increasingly
        suckiness. Has anyone experienced the same thing?
2006/12/15-17 [Finance/Banking] UID:45455 Activity:kinda low
12/15   So, why no investigations into Goldman Sachs for huge profits?  Take a
        guess who they gave the most money to?
        \_ What the hell are you talking about?
           \_ Remember when everyone was villifying oil companies for "excess"
              profits? Goldman Sachs just reported massive bonuses, etc.  I see
              no congresscritters grandstanding about profits and bonuses.  And
              they gave their biggest political donation to Sen. Clinton.
2006/10/26-29 [Finance/Banking, Finance] UID:44991 Activity:low
10/26   College degree inflation, and a BA/BS degree is worth ~$20K/year.
        Also Bush loving rednecks in West Virginia have the lowest
        proportion of college graduates.
        http://www.cnn.com/2006/EDUCATION/10/26/degree.value.ap
        \_ I'm not saying their conclusions are wrong, but anyone who talks
           about mean income without talking about median income is such
           a moron that they should be ignored just on principle.
           Fucking dumbass journalists.
           \_ What's the difference?  -- dumbass journalist
              \_ The median income is the income such that exactly half the
                 population has a higher income and half has a lower income.
                 The mean is found by adding everyone's income and dividing
                 by the number of people in the sample set.  For certain
                 distributions they are the same, but not typically for
                 income.  If you live in a town with 99 poor people plus
                 Bill Gates, than the mean income is roughly bill gates's
                 income divided by 100, which is not a useful number by
                 itself if you want to know about the whole population.
                 Whereas the median will actually give you information
                 about the other 99 people.
              \_ i guess the median is lower
        \_ Because off-springs of siblings tend to be retarded.
        \_ ah yes welcome to the motd where racism is not only ok but
           encouraged as long as its white people we hate.
           \_ It's a culture thing, not a color thing.
        \_ as yes more racism, why are most liberals inveterate
           racists?
              \_ Bzzzt!   Redneck = white.  There are no 'rednecks' of any
                 other race/color.  If you're going to use hateful terms it
                 helps to know what they mean so you offend the right people,
                 ok?
                 \_ What about that Hmong dude on King of The Hill? Isn't
                    he a redneck?
                    \_ way no.  he's a different case, a caricature of
                       arrogant, overachieving asians.
2006/10/9-10 [Finance/Banking, Reference/RealEstate] UID:44739 Activity:nil
10/9    Swami says if you have ARM, you're FUCKED!
        http://money.cnn.com/2006/10/09/real_estate/arms_nightmare
        \_ The Great Swami does not use coarse language -TGS
2006/10/7-10 [Finance/Banking] UID:44714 Activity:low
10/7    Wells Fargo online banking really sucks. You can only go back 60
        days and if you want to see statements before that you have to pay.
        Fuck Wells Fargo. Even Bank of America and Wash Mutual are better.
        \_ I guess maybe those other banks are better in that one respect,
           but I can tell you that I'd never bank with BofA unless I
           traveled/moved to different states a lot. Talk about backward.
        \_ I solved this problem (and others) by building a little web thing
           that keeps trac of when you paid your bills and how much it was.
           That way you can do simple forecasting and have all your own records.
           That way you can do simple forecasting and have all your own
           records.
           Then I made a GreaseMonkey script that automatically posts all the
           data I put into WellsFargo into my app when I'm done giving it to
           Wells.  Works pretty well.  I'm ironing out a few details, but if
           you're interested, email me and I'll send you a URL when it's ready
           for public consumption.  (If there's interest, it shouldn't be hard
           to write GreaseMonkey scripts for other banks, too)  --dbushong
        \_ There's another way to solve this problem.  Print out your online
           statements once a month.  And then save them.  Try it.  That thing
           called paper really works.
        \_ I use Wells Fargo and I can look at statements back to 2000 online.
           You click on "prior statements", and when they say "fees may apply",
           I believe they only mean if you choose "US Mail" instead of "Online"
           for the delivery method.  PDFs aren't as cool as their basic online
           interface, but they're better than nothing.  (Granted, I might be
           getting charged and not realizing it; I'll check.)  -niloc
2006/10/6-7 [Finance/Banking, Reference/Tax] UID:44705 Activity:low
10/5    Are recreational vehicles tax deductible?
        \_ http://csua.org/u/h4p (detnews.com)
        \_ if you live in it as your primary residence, like a house
2006/8/12-15 [Finance/Banking, Computer/HW/Drives] UID:43982 Activity:nil
8/11    Aside from physically breaking a CD, what's the easiest way to make
        it permanently unreadable?
        \_ If you have a secure shredder service, they usually handle CDs as
           well.
        \_ Get a screwdriver, scratch the top of the CD.  It's not that much
           more work than writing with a pen.  Remember, data on CD is near
           the top, highly unprotected.  DVDs are different.
        \_ I've heard a microwave oven works pretty well, though I'm not sure
           if it is damages the microwave oven..
           \_ As with metal in the microwave, the main problem is microwave
              energy getting reflected back into the magnetron, damaging it.
              You could probably mitigate this by putting a big cup of water
              next to the CD(s) in the microwave.
        \_ Pee on it.  -guy who drank a lot of water today
        \_ They sell machines that punches holes on CD.  Look on CDW.
           \_ I was thinking more of the type of solution like "bake it in
              the sun", or "write on it with a permanent marker" or
              something very simple and easy like that.
              \_ How is breaking it not simple and easy?  -tom
                 \_ I know of organizations who use a lot of CDs for
                    mid-term (5-10 years) data storage.  After a certain
                    number of these things, it may be economical to have a
                    fast way of nuking them.  On the other hand, you could
                    just hire a student, I guess.  -John
                    \_ Sounds like a job for an intern with a solid knee.
                       \_ Or a hammer.  They also have shredders that can
                          do CDs.  -tom
                          \_ You'd trust an intern with a hammer?  Will no one
                             think of the children?
                          \_ BTW don't pollute the paper in the paper shredder.
2006/6/12-13 [Finance/Banking, Computer/HW/Drives] UID:43352 Activity:nil
6/11    Do mp3s encoded with Christian conservative compression rates have
        noticeably lower sound quality compared to normal CDs when played in
        the modern car CD players.
        \_ Why don't you try it and see?  Only you can tell whether it's
           noticable to you.  -tom
2006/5/26-28 [Finance/Banking, Reference/RealEstate] UID:43195 Activity:nil
5/25    http://www.msnbc.msn.com/id/12975777/from/RS.3
        More signs of a housing bubble. If you still have variable rate
        mortgage, you're fucked.
        \_ I thought more people bought houses, and GDP increased 5.3% during
           the first quarter
        \_ I've heard this statistic before (foreclosures up 72% over same
           time last year) but I also know that foreclosures have been
           very low for the last 5 years.  So is the current rate higher
           than average?
        \_ Having an ARM and being fucked has *nothing* to do with any
           housing bubble, real or not.  It has to do with rising interest
           rates which have been pushed up each time the Fed has met over
           the last 2-3 years.  If housing prices dropped 90%, an ARM buyer
           would be in the same position as 30 year standard loan buyers so
           long as rates didn't rise.  This is pretty basic stuff.
           \_ Not quite.  The ARM buyer will want to get into a fixed loan and
              can't, because he'll get really shitty rates b/c he has no equity
              \_ Why would the ARM buyer want to get into a fixed loan if the
                 rates weren't going up?
                 \_ The hypothetical given didn't exclude rates going up.
                    \_ Did it include rates going up?  Since it was my
                       hypothetical I'm pretty sure I know what I meant since
                       I said "so long as rates didn't rise".
2006/5/8-10 [Finance/Banking] UID:42986 Activity:nil
5/8     People talk about controlling inflation but accept it as the norm,
        that as long as it's below a certain percentage (5%) then we're ok.
        Are there countries with DEFLATION, and what bearing does it have
        on the economy?
        \_ Okay, let's say you have controlled inflation ... rising wages,
           cheap imported good, rising real estate values which you can
           take equity loans on, everyone with all this money buying stuff,
           Now take deflation ... prices falling, people not wanting to buy
           because they expect prices to be lower, wages stagnating, real
           estate dropping, loans coming due for companies but not being
           able to pay them because no one's buying, etc ...
           Japan.
           business raking in all the dough and hiring more people.
           Now take deflation ... wages stagnating, prices falling, people
           buying less because they have no extra money, real estate values
           dropping, loans coming due for companies but not being able to
           make payments because no one's buying, banks eating it because
           of all the defaulted loans and reluctant to make more loans,
           the company's that are left not hiring much, etc. ... Japan.
           \- i deleted my more extended comments but i dont think many
              economists would say inflation is ok up to 5%, althought
              like with say body fat, it's not really a case of lower is
              better all the waay down to 0. something closer to 1-2%
              miight be ideal. as with something like weight gain,
              deflation can have different causes. prices can fall
              because of productivity gains in a flat money supply
              [say if specie backed] and example being the industrial
              revolution. a massive demand shock accompanied by
              scarcity [like say the BLACK DEATH] can also cause
              pretty interesting economic turbulence. BTW, the current
              fed head BERNANKE has a lot on the record about the BoJ's
              policies.
2006/5/8-12 [Finance/Banking] UID:42982 Activity:nil
5/8     PayPal is offering 4.58%, which is higher than ING Direct.
        What are some risks of putting $90K (all your lifetime
        savings) into PayPal instead of ING Direct?
        \_ When they tank you'll have to wait through FDICage to get your
           money back?
           \_ they are owned by ebay.
           \_ It is a money market, not FDIC insured, and the return varies.
              ING is FDIC insured. So... putting your life savings into a
              money market account seems kind of dumb and not particularly
              lucrative.
              http://csua.org/u/frk (paypal.com)
        \_ ING 1 yr CD is offering 5.25%
        \_ PayPal pretends it isn't a bank so it doesn't have to play by the
           rules.  Which means if they decide you are doing something shady
           (which they seem to decide semi-randomly) and freeze you account
           well, good luck getting your money back.
           \_ If you ever tried to recover fraudulent funds from PayPal before
              you'll never want to give PayPal any significant money again.
        \_ have you looked into emigrant direct?  fdic insured, higher
           than ing.
        \_ 28-day T-Bills are around 4.7% equivalent APY now. That's what these
           mm funds buy anyway. Can anyone recommend a brokerage that lets you
           trade these in a cheap and fast way and/or has a good "sweep" fund
           for cash balances? I have TD Ameritrade but they seem to suck in
           this regard. Guess I should ask them myself.
2006/4/7 [Finance/Banking] UID:42721 Activity:high
4/7     I want to take this time and say, FUCK Wells Fargo. I didn't receive
        my home equity loan pay stub this month and didn't pay for 6 weeks.
        They charged me a shitload of late fee. On top of that, I didn't
        get one for this month either, even though they claimed to have
        sent both months already. I didn't do constant bill pay because
        the payment changes every month depending on interest rate. Like I
        said, FUCK Wellso Fargo.
        \_ Ultimately, the onus lies with you to manage your finances.  Blaming
           the bank for your own mismanagement is misguided, though perhaps
           understandable.  My suggestion to you is to either switch to
           autopay or use a fixed payment schedule (which you manage on a
           spreadsheet or pda or calender, etc) on your own and trust that
           above any correspondance from the bank.  The bank isn't your friend,
           and if you're not proactive in dealing with this stuff, you're very
           likely to get the short end.  Any large institution is going to
           make mistakes, but you are the only person you can really trust
           to find and deal with them.
        \_ Yes, they suck.  Nonethless it's your responsibility to make sure
           the bill gets paid whether or not they send you anything.  And
           something collateralized against your home should be at the top of
           your reminder list.
        \_ If you dont like them, move the loan elsewhere.  Theres plenty
           of other competitors eager for yoru business. I still get regular
           calls from loan refi companies in spite of being on the federal Do
           Not Call list. -ERic
        \_ Dude, auto-billpay.  It solves all these problems.
        \_ I have been a Wells Fargo customer (not for mortgage, though)
           for more than a decade. I have heard lots of people complain to me
           about them. Personally, I really like them. My mortgage lender
           doesn't send me any statements at all. I just login to their
           web site and pay there. I'm sure WFB has the same features,
           as they are usually one of the more technologically-advanced
           banks. I agree with the person who blames you for not realizing
           your payment was due. This isn't AAA dues. This is your home
           at stake.
2006/2/21-23 [Finance/Banking] UID:41943 Activity:nil
2/21    If I sign up for e-statements, how far back do statements go
        back for the following companies? I'll start:
        \_ Etrade: seems to go back forever (when I started in 2003)
           Verizon: go back only 6 months. Piece of shit
           Bank of America: ???
           Wells Fargo: about 6 months as well.  pretty crappy.
           ING Direct: ???
           \_ My Wells Fargo goes back to 11/15/00, although I've had the
              same account since '96.  After logging in, click the Account
              Services tab, then click View Checking/Savings Statements on the
              right side, then View Prior Statements.
        \_ None go back far enough. Print to PDF and save them.
2006/2/14-15 [Finance/Banking] UID:41837 Activity:low
2/14    I tried to get my free credit report from link:annualcreditreport.com
        After being transferred to a credit bureau and told that they found
        my file, the site tried to authenticate my identity by saying that
        I "may have opened a mortage loan" around a particular year and month
        and asked me to identify the lender and the terms of the credit.  I
        never had that so I thought it was a trick question and selected none
        of the above.  Then after asking me if I want to pay for credit score +
        extra stuff, it told me I cannot get my report online.  It is not
        possible for me to request by mail right now.  So does the question
        I was asked already indicate a problem?
        \_ Multiple people with the same name?
        \_ I got reports from all 3 credit agency. The question they
           ask varies. Have you tried the other ones? If you suspect
           there are problems, it may be worth the $ to get a full
           report. In my experience, I find Transunion's report most
           professional and complete.
        \_ http://myfico.com . I think it's 15 bucks but they jump through all the
                hoops for you. Worth it.
2006/2/3-7 [Finance/Banking, Finance/Investment] UID:41688 Activity:nil
2/3     US wage growth not keeping pace with inflation
        http://news.yahoo.com/s/csm/20060203/ts_csm/apocket
        \_ CEOs wages are, everyone else doesn't deserve it.  Work harder,
           peons!
2006/1/26-29 [Finance/Banking] UID:41546 Activity:nil
1/26    Online Savings update:
        http://ingdirect.com:  3.80%
        emigrantdirect: 4.25%
        hsbcdirect:     4.25%
        28-day t-bill:  4.216% (free from state/local taxes)
        capital one:    4.00%
        \_ If you don't mind living on the wild side, there's
           http://www.fordcredit.com/interestadvantage/index.jhtml , with
           an interest of 4.86% for a "checking" account.
        \_ 4.75% for money you put into INGDirect until 4/15 (even with
           existing accounts)
           \_ then it goes down.
           \_ It also goes down if you take any money out, so you might as
              well treat it as an X month CD. Investing in t-bills gives
              a better rate.
        Patelco 1-yr CD rate: 5
2006/1/17-18 [Finance/Banking] UID:41400 Activity:nil
1/17    Someone sent me this asking to see if it was a scam or not:
        http://www.payformyhome.com
        Should websites like these be sent to the BBB or FTC or where?
        \_ BBB or FL Attorney General.
        \_ http://csua.org/u/enw
        \_ the menu on the left makes me think of a pre-canned website
           builder.
2006/1/10-12 [Finance/Banking] UID:41326 Activity:nil
1/10    bloggers waiting for > $1 trillion in ARMs to adjust in 2007
        http://csua.org/u/ekr
        http://www.nytimes.com/2005/06/16/realestate/16arm.html
        2005 $   80 billion
        2006 $  335 billion
        2007 $1,200 billion
        \_ Yes but if deficit and inflation go up by 100X, then none
           of it will matter. Oh, nevermind.
        \_ Just refi after your house goes up 40% after a year! That's gonna
           keep happening forever!
2005/12/27-30 [Finance/Banking, Computer/HW/Drives] UID:41145 Activity:nil
12/27   I recieved a music CD for a Christmas present, and though it did not
        trojan my box, it would not play normally in the CD drive.  I was able
        to do DAE on it, but is there any way to find what sort of protection
        is being used?
        \_ Usually googling for the exact title in quotes + "copy protection"
           will find you a lot of web boards with good info.  Alcohol120% and
           Daemontools should be good enough to deal with whatever
           it turns out to be.  -John
           \_ Well like I said, I was able to do DAE on it in spite of the
              protection.  Google fails me because it's an uncommon CD with a
              fairly common name.
        \_ have you tried to play it on a different OS, such as Linux/BSD?
           \_ No, I got DAE working and was satisfied.  Does Linux have a
              machanism for identifying CD corruption mechanisms?
2005/12/12-14 [Finance/Banking, Recreation/Dating] UID:40982 Activity:kinda low
12/12   Do you have friends you don't like lending books, DVDs etc to?
        Typically because they don't return them in a reasonable amount of
        time or if you hint you would like something back they don't pick it
        up?  I personally feel if I borrow a book from somebody and they want
        it back I should at soonest reasonable opportunity deliver it to them
        rather than say "oh you can come and get it."  How do you handle
        turning down future requests?
        \_ Just go pick it up that one time, and never lend to them again.
           Simply tell them they don't return your stuff on time.
        \_ I am having the hardest time get my friend return my books...
        \_ I've had to discipline myself to not borrow things from people;
           excactly for the reason that sometimes I forget, or it can get
           damaged.  But yeah, one should return things fast.  -John
        \_ My problem is that I lend things to people and then forget and never
           get them back ever.
        \_ My dad used to tell me an old (Arabic?) saying:
           If you lend a book to someone, they should chop off an arm.
           If you return a lent book, they should chop off both arms.
           I guess the point is that people are generally irresponsible
           and if you want them to read a book, just buy it for them...
           or don't expect it back.
           \_ I own a lot of books so people are often interested in borrow
           \_ I own a lot of books so people are often interested in borrowing
              books from me and it is an asymmetric thing.  Normally it would
              be a pretty efficient area for inter-friend loans ... books
              dont really get worn out, cheap to move, the loan terms are
              usually longer than from library, books are often things you
              want to use rather than own, you usually can spare the book
              for a couple of months.  So it kind sad I am thinking about
              cracking down on this.  It says something about how flakey
              most people are ... people who arent willing to promptly
              return stuff when you issue a recall, people who forget
              the have your books and your are forced to do the recall etc.
              (There have been a couple of cases where I have borrowed a book
              and the other person moved away and I felt really bad.  I think
              the other person has forgotten i had the book.)
              they have your books and wont ever return them unless you
              remember and initiate a recall. (There have been a couple of
              cases where I have borrowed a book and the other person moved
              away and I felt really bad.  I think the other person has
              forgotten i had the book.)  These days if a flakey friend asks
              to borrow something, I just pretend not to hear.  On the other
              hand I have good friends I have loaned very expensive electronic
              and such to.
              \_ I have had similar problems, and I'd add that there is another
                 problem with books and flaky people, which is getting them to
                 read the damn book.  I often loan someone a book that they say
                 they want to read, and six months later they still haven't
                 finished it.  Well, I actually would like to see them read the
                 book, but then it turns into another six months...people need
                 to read more.
                 book, but then it turns into another six months...the bottom
                 line is that most people are lazy, flaky, and watch about
                 24 hours of tv for every hour they spend reading.  And that's
                 just the intelligensia.
2005/11/1-3 [Finance/Banking, Consumer/Camera] UID:40388 Activity:moderate
11/1    A friend has his film X-rays on loan from the lab but needs to
        transfer them to digital format so's he can take them for a second
        opinion. What's a reliable method of doing this without sacrificing
        image quality (and thereby rendering the exercise worthless)? Would
        the old lamp and scanner trick work here, or would there be too many
        flaws to make it worthwhile? Since this is to document the progress
        of arthritis in his back, the level of detail must remain high.
        TIA. --erikred
        \_ Kodak PHOTO CD.  you need to find who does it though.  This would
           cost you $75 per scan.  it is probably your best option besides
           real drum scan.  I would not trust regular flat-bed scan due to
           lack of dynamic range for most of CCD scan.  do *NOT* mistaken
           "PHOTO CD" service with "Picture CD" service.   kngharv
           \_ What's the difference between the two?
              \_ *HUGE* difference.  PHOTO CD is designed for art works and
                  professionals who requires very deep (wide dynamic range)
                  scanning.  picture CD is a nice version of negative
                  scan which is relatively consistant, to JPEG files.
                  Given the fact that you are scanning a B/W X-rate
                  positive film, I would not trust regular CCD scanning
                  as your life is probably depend upon how well these various
                  degree of shades are represented.
        \_ He can just have copies made/sent to the other doctor. Why
           bother with digitizing unless this is somehow just fun for him?
           \_ His films are stored at various and sundry labs. It would be
              more time-consuming to coordinate the copy/send than to
              digitize. --erikred
              \_ He already went to the trouble to get the x-rays on loan.
                 He could've just asked for his own copy at that time.
                 \_ Thank you. I'll pass that on. Now, do you have any
                    suggestions pertaining to the original request? --erikred
                    \_ Have him ask for his x-rays in DICOM format.  There are
                       free DICOM viewers.  Typically film like this (if
                       scanned) uses a proprietary scanner (cost is thousands
                       of dollars) to scan to a standard image format (BMP or
                       JPEG2K, etc.).  -emarkp
                       \_ What ever happened to JPEG2K?  It was the next big
                          thing, woo!  woo!.. then silence.  Not being built
                          into Mozilla, that I can see, which pretty much
                          implies it's dead... unless I'm missing something.
                          \_ I guess this answers my question: legal crap:
                             <DEAD>bugzilla.mozilla.org/show_bug.cgi?id=36351<DEAD>
                             -pp
        \_ Just out of stupid curiosity, can't you just scan them?  -John
2005/11/1-4 [Finance/Banking] UID:40377 Activity:nil 66%like:40373
11/1    This daylight savings time sucks.  Has anyone tried boycotting it by
        If so, how did it work out?
        \_ Some Asian countries don't have it. Many Asians are smart. Many
           Asian girls are smart and pretty. Therefore it is smart to not
           have daylight savings.                       -asian fetish guy
           \_ Having an entire country that covers the same amount of
              longitude as the U.S. be on the same time zone is the opposite
              of smart.  Wouldn't it be great if the whole U.S. were forced to
              be on the same time zone as Washington, DC?
        \_ By "dalight savings time sucks", do you man that ending daylight
           saving time sucks, and that you want it all year, or do you actually
           hate daylight saving time and want to be on the winter schedule
           all year?
           \_ Not the OP, but I prefer PDT all year.
              \_ I guess I should have been more clear, I like PDT too. -OP
                 \_ Well, I realize that I'm being a pedantic assmonkey about
                    this, but technically you want *more* daylight saving time,
                    not less.  Also, it's daylight "saving" time, not "savings".
                    Anyway, I agree with both you and pp that it should be all
                    year round.
        \_ You could always move to Arizona.
           \_ Or Hawaii
        \_ You probably have more success bribing Ah-nold to change the daylight savings
           for California.
           \_ Except Phoenix.
        \_ You probably have more success bribing Ah-nold to change the
           daylight savings for California.
        \_ (Pls don't shoot the messenger) - the daylight savings time is
           switching to an earlier time (methinks early March?) and will go
           all the way through mid November - beginning 2007. Part of the energy
           bill recently signed by Dubya. On another note, while Europe and Aus-
           tralia observe Daylight Savings Time, their switch date actually
           differ than the U.S. I believe right now the rest of Europe does not
           switch to DST until a week after we do. STFG for details.
           \_ Supposedly this will save the US 100k barrels of oil a day during
              that period.
              \_ NO PDT FOR BIG OIL!  HALLIBURTON!
2005/11/1 [Finance/Banking] UID:40373 Activity:high 66%like:40377
11/1    This daylight savings time sucks.  Has anyone tried boycotting it by
        just moving your schedule an hour "earlier": same astronomical time?
        If so, how did it work out?
        \_ By "dalight savings time sucks", do you man that ending daylight
           saving time sucks, and that you want it all year, or do you actually
           hate daylight saving time and want to be on the winter schedule
           all year?
           \_ Not the OP, but I prefer PDT all year.
        \_ You could always move to Arizona.
                \_ Or Hawaii
        \_ You probably have more success bribing Ah-nold to change the daylight savings
           for California.
2005/10/28 [Finance/Banking, Finance] UID:40309 Activity:nil
10/17   Do poor blacks need to hear 'millions more' excuses?             -jblack
        http://tinyurl.com/7w2tr
2005/10/21-22 [Finance/Banking] UID:40206 Activity:nil
10/20   It used to take ING Direct 3-4 business days for a transaction
        to go through (from bank to ING and the other way around). I just
        transfered and the ETA is now 5 business days (a whole week). Has
        anyone noticed this? I'm thinking about transfering everything to
        PayPal since their turnaround is still 3-4 business days and their
        interest rate is 3.76% instead of ING's 3.40%.
        \_ http://EmigrantDirect.com: 4.00%.  But it does take about the same
           time as ING.
2005/10/19-21 [Reference/Tax, Finance/Banking] UID:40180 Activity:nil
10/19   http://www.ginniemae.gov/rent_vs_buy/rent_vs_buy_calc.asp?Section=YPTH
        Rent or buy?
        \_ "Please use Netscape4.7 and below to see your result or, please
            use IE.  Thank you"   Wow.
2005/10/10-11 [Finance/Banking, Reference/RealEstate] UID:40034 Activity:moderate
10/10   Has anyone bought or know someone who has bought a condo in a
        high-rise building in a super busy city for primary residence?
        I'm talking about any mega high-rise condo, like the ones in Houston,
        NYC, Vancouver, etc? Single family homes are either unaffordable,
        or are simply too far so I'm thinking about alternatives. I do
        have enough cash for 20-25% down and it's silly to keep
        in my savings account. What is the condo experience like and
        is it worth paying the exorbitant HOA fee which is usually 2-3X
        of single family homes for the same value?
        \_ houston?  aren't single family houses in houston like $150K?
2005/10/4-6 [Finance/Banking, Computer/HW/Drives] UID:39971 Activity:nil
10/4    Can anyone recommend a "nature sounds" cd?  I'm particularly interested
        in water sounds (rivers or oceans) with no instrumentals or vocals.
        Just background noise.  Thanks!
        \_ Check Living On Earth, the NPR program
           http://www.loe.org
        \_ Fry's used to sell nature sounds cds for around $3/ea.  I have
           the ocean sounds, lake sounds and jungle sounds cds. They are
           not bad.
           \_ Can you please convert it to MP3 and put it in /csua/tmp?
              \_ Can you do my laundry for me? Thx!
              \_ Have you heard of the copyright act?
2005/9/26-28 [Finance/Banking] UID:39875 Activity:low
9/26    ING Direct is offering 3.4% while PayPal is offering 3.5%. Any reason
        why I should keep money in ING Direct?
        \_ Emigrant Direct is offering 4.00%:  http://www.emigrantdirect.com
           \_ What's your experience with this bank? Drawbacks?
              \_ good rate, bad user interface, be patient with
                 the opening process/links to your account, okay
                 once you get used to it.
        \_ Does that 0.1% really matter to you?! At that point I'd be
           looking at level of service and convenience over an extra 0.1%.
           I am not saying ING offers more, but that I would focus on that
           versus the rate.
        \_ how much money are you guys talking about?
           I look at these rates and I thought they aren't bad, but when
           I calculate how much I would earn in a year with a $10000, it's
           like really anti-climactic.
           I calculate how much I would earn in a year with $10000, it's
           like ... not very exciting.
           \_ I suggest you go into the loan shark business.
        \_ Only if you care about other stuff that ING offers, i.e. CDs,
           investment accounts, etc. If you care and plan to use those
           services you might as well stick with one banker. If paypal offers
           better rates and same services go with Paypal.
           \_ what about the part where paypal is a buncha mofos?
              \_ Well, I've done quite a bit of paypal stuff (I run
                 an online store with a buddy for fun and profit) and
                 they are mofos. However, they've never held on to our
                 funds for long, so I would assume the same goes for
                 their savings/checking account. So if you do have
                 trouble with it you can just cancel it and go with
                 someone else without too much hassle. They are owned
                 by ebay, so it is relatively solid. I personally do
                 ING for my savings, but I purchased CDs at 4%, and
                 I also have an IRA with them for retirement derivatives,
                 so that's the only real reason why I would recommend ING
                 over paypal. If it's a principal thing and if you feel
                 a bit squeemish about paypal then definitely go with ING.
                 It's not worth fucking around with 0.1% if you have grave
                 doubts (and some of them are justified) about Paypal.
2005/9/13-14 [Finance/Banking] UID:39648 Activity:low
9/12    I want to tell my bank/online billpay/paypal/whomever to
        cut a PAPER check to person X at Y address.  I don't want
        that person have to fill out some form first, I just want
        them to send a check.  I don't care if it has my name as
        the "from".  What is the easiest/cheapest way to do this?
        \- get a bank/cashiers check and mail it to them?
        \_ Depends on your bank. Mine can do this through Bill Pay.
           Yours probably can, too. Maybe you should start calling
           banks instead of asking the MOTD.
           \_ wow, so unhelpful on the MOTD today.  to the 1st
              person above, I am trying to make things EASIER.
              I'm looking for a solution that lets me sit on my ass
              and avoid going to the friggin' MAILBOX, i'm sure as
              hell not willing to go to a BANK to get a cashiers
              check.  To the second person.  *MY* bank does NOT
              allow me to do it.  If it did I wouldn't be asking.
              I was hoping you (or someone like you) would be
              willing to spend 30 seconds to type the name of their
              bank (or other institution) and thus avoid my
              spending god knows how many hours on hold looking for
              someone at a bank that will even understand the Q.
              and not just say "oh, yeah, our online bill pay doeS
              that", only to find out that it does NOT.  Instead
              you were only willing to spend your 30 seconds being
              an ass.  thanks. -top
              \- Boy now I am glad my answer was unhelpful.
                 \_ You're supposed to tell me what my bank is capable of
                    doing.  If my bank is not able to optimally serve me,
                    you are supposed to get a cashier's check out of your
                    own funds and mail the check to my designated recipient,
                    and I will reimburse you later once I determine that I
                    can do so without undue effort on my part.
              \- did someone stuff a burr in your arse?
              \- kids these days ... the only thing the world
                 owes you is a good old fashioned arse rape.
              \_ Opening an account at a new bank is going to be more
                 trouble than writing a check and mailing it. If your bank has
                 Bill Pay then how do they pay bills if not with a check? Not
                 everyone has ACH. Ask them how they pay bills to vendors
                 who do not have ACH.
2005/9/9-13 [Finance/Banking, Computer/HW/Drives] UID:39597 Activity:nil
9/10    What do I need in order to read a mini-CD in a regular CD drive?
        \_ many CD players have a special groove for smaller CDs.
           If not, you can buy an adaptor which makes it fit into CD drives.
           \_ Where can I buy this?
              \_ I spent too much time researching the web.  This is now
                 very hard to find.  Some hints:
                        Call up companies like Maxell or Memorex
                        call up companies that produce mini-DVD camcorders
2005/9/7-9 [Finance/Banking] UID:39550 Activity:nil
9/7     Savings/money market account motd service:
        INGDirect       =       3.30%
        CapitalOne      =       3.45%
        EmigrantDirect  =       3.50%
        \_ HSBC = 3.75%
           \_ good one.  But HSBC is not advertising that much.
        \_ However, not all of them link easily to an existing account
           at another bank.
           \_ which ones?
2005/8/30-31 [Finance/Banking, Finance/Investment] UID:39348 Activity:low
8/30    http://news.yahoo.com/s/ap/20050830/ap_on_go_ca_st_pe/census_poverty
        Poverty level in the US rises to 12.7 percent. Luckily, the wealthiest
        people in the US are also one of the most generous in the world.
        I'm sure they'll start building more art museums and donating
        expensive softwares to enrich everyone's lives.
        \_ It is important that someone uses all those old copies of Office.
           \_ Microsoft is the leader in this regard -- donating its own
              software to settle the antitrust lawsuit.
              software to settle the antitrust lawsuit.  I wonder if it doesn't
              even bother burning CDs and just offer free downloads which costs
              it next to nothing.
              software to settle the antitrust lawsuit.  I wonder if they don't
              even bother to burn CDs and just offer free downloads which costs
              them next to nothing.
        \_ And yet the news of the jobless claims going down doesn't get
           reported.
           \_ Eliminate unemployment compensation entirely and the jobless
              claims will drop to zero!  How could such such an awesome idea
              to fix the economy have escaped the republicans thus far?
           \_ I see reports of it all the time. What are you reading that
              you don't see it? It is in the business section, granted....
        \_ Wal-Mart Stores said it would donate $1 million to the Salvation
           Army for relief assistance such as meals for victims and emergency
           and rescue personnel. See? They're generous.
                                      \_ *pshaw*  Only to people that don't
                                         work for them.
        \_ Someone clue me in on what I'm missing:
           "The number of people without health insurance coverage grew from
           45 million to 45.8 million last year, but the number of people
           with health insurance grew by 2 million."
           Is it that there are 2.8 million births?  -mrauser
           \_ Dependants relying on parents'/spouses' coverage, maybe?
           \_ Immigrants.
2005/8/29 [Finance/Banking, Politics/Domestic/California] UID:39327 Activity:low
8/28    Any tips on saving money?  What do you do?
        \_ My strategy was to be really cheap and worry about every dollar
           spent. I bought a cheap but decent car with a bunch of rebates out
           of college and haven't spent money on that in 5 years. I lived in a
           cheap place. These things aren't good for getting women BTW.
                    I lived much the same way and had no problem _/
                    on this front.  Bitter much?
           I think depending on your income though these things probably end
           up being kind of a sucker's way to save money. Given a certain level
           of saving the best defense is a good offense... try to build your
           income through good investments. That will pay off more than
           cheaping on misc. consumerism although that comes down to the level
           compared to your income. Stupid = buying $ cars and HDTVs with no
           savings left. Oh and yeah I never carried a credit card debt.
        \_ Have your income exceed your expendetures.
           \_ This is pretty much what I do.  Do what businesses and
              (responsible) governments do: only borrow money to buy things
              that will help you make more money.  (e.g. car, house)  Otherwise,
              wait to buy it until you've saved the money to "pay cash".  And
              that's beyond 6 months+ expenses saved so that next time you lose
              your job you don't have to live off credit cards.
              \_ It's a pretty goddamn simple concept, but it's worked for me
                 well enough.  I've gotten a lot of long-winded lectures on
                 complicated savings plans from people who are always living
                 month to month, while I've been able to save enough to pay off
                 my college loans on my grad student stipend without really
                 doing anything that complicated.
        \_ Get a copy of Quicken.  Go through your old bank and cc statements
           (you should be able to get the last few months online) and put
           them in, making sure you actually catagorize everything.  You will
           have to guess on cash transactions, but you should have some idea.
           Make a budget with the budget tools in Quicken.  Keep it for a
           month or two, see how you do.  Revist the budget with a better idea
           of how well you can stick to it.  Then stick to it.
           \_ This is a good way to find out what you spend money on and how
              much to budget, but not a really good way to ensure you save
              the difference. As below, make sure you don't mingle your
              'savings' with your 'checking'.
        \_ A good way is to automatically deduct money from your paychecks
           and send it to a brokerage or even a savings account. Start
           small. Send $50 or $100 week off that way and you probably
           won't even miss it. When you get used to that increase it.
        \_ Vote for less tax! Less tax, more personal income, more savings.
           You can start by registering as a Republican, and vote for the
           Republican who cuts the most tax. Don't get brainwashed by
           left-wing socialists and Democrats alike. You worked hard to
           earn your money, you should keep it all.        -jblack #1 fan
        \_ What's your restaurant and entertainment budget?  Cut that.
           Travel?  Cut that too.  Toys and other discretionary?  Ditto.
           New cars?  Forget about it.  Clothing and other personal grooming?
           Trim those to the bone.
        \_ earn more, spend less!  Simplicity!
        \_ Stop buying lattes.  Eat in.  Make your own breakfast instead of
           buying a pastry.  Limit how often you drink in bars.  These four
           things saved me hundreds of dollars a month.
           \_ I bet it lost you about 5lbs/month too, if you were overweight.
              \_ Actually, I'm towards the bottom of the BMI for my height, but
                 that's probably more due to the 5 miles of running every other
                 day than anything else.  But thanks for asking.  By the way,
                 the "get rid of your car" advice is also really good, but
                 only operable if you work in certain areas.  -pp
        \_ Get rid of your car. The average car costs $400/mo. -ausman
           \_ So if you work for 30 years with no car, that gives you
              144,000 dollars more to spend on a place closer to work.
              Not to mention the commuting time that you either get for
              yourself or use to make more money.  I'm pretty sure most of the
              whinners who blather about not having the money to live closer
              to work could do it with the money saved from not driving.
              \_ People get work done with laptops on BART or on buses.  Some
                 read novels.  For me, I just nap all the way on the bus.  You
                 can't do these while driving.  At least you're not supposed
                 to.
              \_ $400/month really doesn't make the difference between
                 "able-to-afford housing" and "not" for most people in the
                 Bay Area.  Particularly since if you don't have a car,
                 getting around (usually) isn't free.  Most people will need
                 to take public transportation, which can easily be ~
                 $100/month.
           \_ don't forget about insurance.  But this will only work in
              selected areas like NY City.
           \_ "AAA Says Average Driving Cost Is 56.2 Cents Per Mile For 2004"
              http://csua.org/u/d6l
              And that's 2004, when gas prices were lower.
        \_ whatever John does, do the opposite.  John has expensive tastes.
           \_ Oh man, nice rep. :)  -John
              \_ what's with those expensive pens, restaurants, etc., etc.? :)
2005/8/8 [Finance/Banking] UID:39037 Activity:nil
8/8     http://www.nytimes.com/2005/08/08/opinion/08krugman.html
        "This is the way the bubble ends: not with a pop, but with a hiss."
        \_ I agree there's a certain amount of "irrational exuberance" in the
           housing market, but this opinion piece is nearly devoid of facts to
           back up the claim.  He barely mentions the slow down in purchases
           in San Diego and claims the savings rate has dropped to "zero" which
           is flat out impossible, meaning he's just being sloppy and alarmist.
           With the thousands of people on the net writing about housing, why
           choose this fluff piece written 10 minutes before deadline?
           \_ Are you sure it's flat out impossible that the savings rate has
              dropped to "zero"?  What quantifies as "nearly devoid of facts"
              to you?  Do you know what a "fluff piece" is?  Are you an
              undergrad?
              http://csua.org/u/cym (L.A. Times)
           \_ Why is a savings rate of less than zero impossible? It just means
              you are growing your debts more rapidly than your assets,
              correct?  Can someone provide the definition and explain why it
              is impossible ...
              \_ If even 1 person has savings, the rate can't be zero.  He
                 doesn't provide a single reference for anything.  Nearly
                 devoid of facts isn't quite right.  Completely devoid of
                 any references for the 1 or 2 fact-like statements would be
                 more correct but also pedantic and anal.  Are you pedantic
                 and anal?  Thanks.
                 \_ I've always thought pedantic and anal was slightly more
                    desirable than obtuse and uninformed
                    http://www.csmonitor.com/2005/0803/p01s02-usec.html?s=yahw
                    \_ Thanks for the link.  That's better than the NYT opinion
                       piece could offer.  How sad that the motd can provide
                       better researched information than the NYT.  This
                       demonstrates my original complaint which is the article
                       is fluff written 10 minutes before deadline.  Why
                       couldn't Mr. Krugman have provided similar references?
                       \_ Um, because he assumes the reader does their research
                          as well?  Accusing Krugman of not doing his homework
                          won't get you very far.
                       \_ Are you an undergrad?
                \_ Uhhh ... There's a difference between saying the average
                   savings rate is less than zero and everyone's saving rate
                   is less than zero.  I would assume that most readers would
                   know that saying the savings rate is less than zero
                   means the average savings rate, just like when you say
                   Palestine, you probably don't mean Palestine, Texas.
2005/7/19-20 [Finance/Banking] UID:38709 Activity:low
7/19    I just applied to Citibank and got a card last week. Today someone
        from Citibank called and asked to verify some information, like
        my address, then the SSN. I didn't feel comfortable giving out
        my SSN esp. when I wasn't sure who was calling, so I asked her to
        give me Citibank's number. I called Citibank back, and they said
        they NEVER call you unless something's wrong with the card, and
        in fact they checked their call log and they didn't call this
        morning. What is going on?
        \_ The fact that they're (assuming it's them) asking for your SSN
           is fucking stupid.  I don't believe it's legal to require it for
           any services, I could be mistaken.  -John
        \_ Citibanks calls me all the bloody time for satisfaction surveys
           and for new product sales.  When I'd call, I get different answers
           to questions all the time.
        \_ You were smart not giving out the SSN when the other party
           initiated the call.  But were you calling the number she gave you
           thinking that it was a legitimate Citibank number?
           \_ The caller this morning gave me a legit Citibank number when
              I requested for it but when I called the legit number they
              said they NEVER call me to get these information. If it's
              fake, then I don't understand how these people know I just
              got a Citibank card.
              \_ They dived into your mailbox?  Or, the called didn't actually
                 know, and she was just calling random numbers in the
                 phonebook.  If you didn't happen to have a Citibank card, she
                 would just say it was a computer glitch.  Anyway, if she was
                 fake, she was stupid to give you a legit number.
        \_ I once had the following conversation:
           "Hi, I'm calling from [company], we just want to confirm
            your address."
           "Ok"
           [pause] "Um, I'm ready when you are Sir."
           "No no, you tell me what my address is, I'll tell you if you're
            right."
           "... I uh... don't have your address."
           "That's right. You don't." [click]
           So yeah, it wouldn't surprise me if someone was trying to
           scam you. Good call in not giving out the info. -bz
2005/7/17-19 [Finance/Banking] UID:38665 Activity:moderate
7/16    Why is it that everytime I call Citibank I get this guy with a
        heavy Indian accent that I can barely understand? I'm fed up with
        having to call 3-4 times before I get someone who can speak
        decent English. In fact I've been getting used to hanging up
        immediately when I hear someone with a heavy accent. It's totally
        annoying. The other thing is they're really persistent, like
        "Would you like to transfer balance from another account? Are you
        SURE? How about our other offers? But they're great, are you SURE?
        Ok, wait, before you go, we have another offer..." JESUS FUCKING
        CHRIST. I hate Citibank.
        \_ You fucking guy, your sister kick my dog.  -John
        \_ I dunno. But has anyone noticed getting less telemarketing calls
           in general these days? Maybe that do not call list actually worked.
           Now I just wish there was a "do not mail" list. I feel bad dumping
           large piles of neighborhood junk mail in the trash every week.
           And taxpayers subsidize that crap.
           \_ No, it's not as good (evironmentally, etc.) as not having these
              junk snail mails, coupons, mailed to us, but there's something
              called recycling.  I hope you are at least doing that.
           \_ There is indeed a do-not-mail list, although it is not enforced
              by law.  It doesn't stop coupons from neighborhood grocery
              stores, but it reduced my other junk mail by a lot.  See
              http://www.dmaconsumers.org/cgi/offmailinglist
        \_ I've decided to cancel my CitiBank (former CalFed of 9 years)
           account and AmEx (also of about 9 years) precisely for this reasons.
           I am now banking with WellsFargo.  Thus far, I've not encountered
           this problem.  If I do, I'll just take my business else where.
           \_ Wells Fargo sucks too.  Once upon a time, they created conditions
              that led to a bench warrant for my arrest.  Having to yell at
              them for 4 hours to get this fixed was a high point of my young
              life.  Speaking English doesn't predicate competence. --scotsman
              \_ I agree, especially when you [scotman] are an all white
                 American and your grammar sucks more so than FOBs. Ha ha ha
                 \_ Are you retarded?
           \_ Hooray for you--don't forget to write them an email/letter
              saying "I'm leaving because of xyz."  The worst that can happen
              is that they don't respond, and you may get some apologetic
              goodies form them.  -John
              goodies from them.  -John
        \_ Because God hates you and ONLY you.
           \_ I am fairly sure God also hates geordan and I. -- ilyas
              \_ "and me"
                 \_ Pfffft, I will not bow to the articial rules of your
                    capitalist pig-dog language. -- ilyas
                    \_ And that is why God hates you.
2005/7/12-14 [Finance/Banking, Finance/Investment] UID:38569 Activity:nil
7/12    I ran out of money market checks from Etrade and reordered them
        online. I was surprised that it's free, but they only gave me 5 at
        a time. Anyways, the new checks do NOT come in checkbooks, but in
        a long piece of paper. Is that normal?
        \_ I got the same treatment.  In fact, I didn't even realize that
           was the checks I ordered, so I told them I didn't receive the
           checks and they sent me one book worth for free.  Oh well.  I
           only need one per month, and it's easy to reorder on-line, so
           it's not that big of an issue.
2005/7/12-14 [Finance/Banking, Computer/HW/Drives] UID:38558 Activity:nil
7/12    Is it just me or it seems the quality of entries in CDDB sucks lately?
        For example, I stick in a CD and the name of the song and artist
        would reverse, pop/classical/blues would get falsely categorized,
        and other things?
        \_ On a related note, is there a place I can look up ISRC album
           codes?  All my Chinese p1r8 CDs from the Burmese flea market have
           them, but none of the "legit" gwailo ones do... -John
           them, but none of the "legit" gwailo ones do... -Joh
2005/6/28-29 [Finance/Banking, Finance] UID:38334 Activity:nil
6/29    How about a bubble that never pops?
        http://money.cnn.com/2005/06/28/news/economy/consumer_confidence
        \- the masquerade's forever
        \_ http://condoflip.com
2005/4/28 [Finance/Banking, Finance] UID:37401 Activity:high
4/28    http://www.brillig.com/debt_clock/faq.html
        Look at the purple "National Debt Corrected for Inflation", and look
        at how it skyrocketted after mid 80s. What happened?
        \_ Reagan.
           \_ But he's such a charming and honest looking guy!
              \_ But he won the Cold War (by outspending the Soviets)!
              \_ But he won the Cold War!  In a race with the Soviets on "who
                 could spend the most on the biggest nuclear stockpile /
                 conventional arms", the U.S. won!
                 \_ And because of that there's little threat of MAD.
                    But do you care? No. Because it did not happen.
                 \_ Reagan did not end the cold war. The Russian people
                    ended the cold war. They got sick of it and their
                    lameass government before we did, that is all.
                    \_ The Red Sox didn't win the World Series. The Cardinals
                       just didn't feel like scoring enough runs, that is all.
                       \_ If the Cardinals had risen up, overthrown their
                          coach and owner and declared a forfeit, your
                          analogy might hold. But they did not.
           \_ Yet another data that proves that Ronald Reagan is one of the
              most charming criminals in the world. DEATH TO RONALD REAGAN!!!
2005/4/20-22 [Finance/Banking] UID:37286 Activity:nil
4/20    If you have cash and already have a lot in ING, and if you're
        considering foreign CD, is this a good choice?
        http://www.cathaybank.com/WhatNewDetail.asp?ImgFile=116.jpg
        \_ Yeah I'm sure Japanese or Chinese investments are a really
           solid idea right now :-)  -John
2005/4/13-14 [Politics/Domestic/SocialSecurity, Finance/Banking] UID:37162 Activity:very high
4/13    Stop the Presses - (John Corzine(D) says print more paper money to
        fix Soc. Sec. problem!)
        This is same dipshit whose idea to stimulate the economy in 2002 was
        a 300$ one time refund to tax payers.  More incredible is this
        guy is from Goldman Sachs.  Wait, Robert Rubin of LTCM and
        Mexico bailout fame is also from Goldman Sachs...
        http://www.nationalreview.com/murdock/murdock200504120929.asp
        \_ Just because you don't understand the concepts behind it doesn't
           mean he is a dipshit.  Also, that you don't realize you're reading
           an article that oversimplifies the point to make political hay makes
           YOU the dipshit.
           One more thing:
           "The idea that the pay-as-you-go concept is a sound
           savings and retirement system is a fraud."
           This should have been a tipoff.  SS is NOT a "savings and retirement
           system."
              \_ you know more than Milton Friedman, interesting.
                 \_ you think Milton Friedman's word is gospel, interesting.
                 \_ no, just disagree.
           \_ No shit sherlock, it's a big ass government funded pension
              system that relies upon current taxpayers to fund past
              generations, which is a problem because life expectancy
              has drastically increased in general resulting in that
              system being potentially insolvent within our collective
              lifetimes. This is why it's an issue, this is why
              it probably needs to turn into a "savings and retirement"
              system in the long run. Are the Pubs right in saying it will
              become insolvent in XYZ year? Perhaps. But if the Dems want
              to appear semi-coherent about the issue they need to do their
              homework and show how the system will NOT become insolvent
              based on any given set of projections vs. what the Pubs are
              saying. Are personal accounts the answer if there is a problem?
              Maybe, but the flip side to that coin is that you are leaving
              the decision making process for retirement up to individuals,
              and the majority of individuals couldn't financially plan
              their way out of a paper bag. Perhaps this may change if we
              gave them the responsbility, who knows. Anyway, the issue
              has been broached, and it needs to be addressed one way or the
              other.
              \_ It isn't a "pension system" either.  It's societal insurance.
                 It's us as a society saying "if you contribute to this society
                 we will guarantee you a baseline level of support when you
                 are elderly or can't work anymore."  It's insurance.  If it
                 turned into a "savings and retirement" system, it would no
                 longer be a guarantee.  The Dems are coherent on it.  The
                 administration itself has stated that private accounts do
                 absolutely NOTHING to affect solvency.  The Reps are
                 purposefully incoherent because they're doing marketing. And
                 you're just an idiot.
                 \_ Question 1:  What was life expectancy when SS was enacted?
                    Question 2:  At what age were you allowed to collect SS
                                 income?
                    \_ Increases in life expectency were predicted pretty damn
                       reliably by the actuaries.  The discrepancies have been
                       taken care of by tweaks in the system and increases in
                       productivity.  This is a red herring, and does nothing
                       to support switching to privatization even if it weren't.
                       Privatizing puts us trillions more into debt and moves
                       those insolvency projections UP.
                       \_ Why have you not answered the question?
                          \_ Because the answer would be irrelevent.  The
                             system has evolved for 70 years.
                             \_ Then let's evolve it again.
                                \_ By removing the guarantee and adding $2+T
                                   to our debt.  Great.
                                   \_ Yep, and it'd get rid of the IOUs, which
                                      aren't a guarantee anyway.  Congress can
                                      just change the retirement age whenever
                                      they like.  Some guarantee.
                                      \_ yes they ARE a guarantee.  And if you
                                         think they're not then sell me any
                                         treasury bonds you hold.  I'll give
                                         you a nickel on the dollar if you
                                         think they're worthless.  As long
                                         as this country has its constitution,
                                         those bonds are an absolute guarantee.
                                         \_ If the market collapses and the
                                            economy tanks, it's not a
                                            guarantee.  Just like private
                                            retirement.
                                            \_ Even then you're wrong.  Those
                                               bonds go away when this country
                                               goes away.
                                               Check amendment 14, paragraph 4
                          \_ 65 and 63.  Insert argument about avg. life
                             expectency vs. expectency after adulthood here.
                             we've rehashed this dozens of times.
                             \_ Then what are *those* numbers?  What was life
                                expectancy after adulthood then vs. now?
                                \_ It really doesn't matter because comparing
                                   SS structure now to then is apples to
                                   oranges.
                                \_ You could make SS instantly solvent by raising
                                   the retirement age up to 80.
                                \_ You could make SS instantly solvent by
                                   raising the retirement age up to 80.
                                \_ As we have told you dozens of times before,
                                   the original SS actuaries accurately
                                   predicted that lifespans would increase.
                                   They even guessed what the lifespan increase
                                   was going to be pretty accurately. The
                                   fact that you cannot comprehend this fact
                                   and insist on hammering at a Red Herring
                                   just indicates that you are not too well
                                   informed yourself. The real problem is
                                   demographic and is caused by the baby
                                   boom generation retiring. No one could
                                   have predicted that. This problem will
                                   fix itself, btw, in about 70 years.
                                   \_ Oh no, nobody could have predicted that
                                      the baby boomers would retire!
                                      \_ Not in 1933, they couldn't.
        \_ Hey, this scheme did help a capitalist democracy get out of debt
           once before...
           \_ You mean WWII?
              \_ The post-WWI German government decided to just go nuts
                 printing more Deutsch marks.  Surprise-surprise they got
                 insane inflation.
        \_ And people mock those who point to this kind of thinking as the
           reason it was bad to leave the gold standard.
        \_ But what Corzine is saying is what is happening.  The current solution
           to our massive deficit and liabilities is a printing press.  I mean
           it's not like we are actually going to raise taxes to pay for it.
        \_ But what Corzine is saying is what is happening.  The current
           solution to our massive deficit and liabilities is a printing press.
           I mean it's not like we are actually going to raise taxes to pay for
           it.
           it, or cut spending.
2005/3/29-30 [Finance/Banking, Computer/HW/Drives] UID:36934 Activity:nil
3/28    Has anyone tried http://everbank.com for world currency/foreign-CD? Any
        pros/cons to say? What are some hidden fees that's not on the web
        site? I don't plan to touch my money for a long time, should I do
        Multi-Currency Index CDs, WorldCurrency Certificates of Deposit (CDs),
        or WorldCurrency Deposit Accounts (what's the interest?) Do I HAVE to
        open up a checking or MM along with these accounts?
2005/3/26-28 [Finance/Banking, Finance/Investment] UID:36896 Activity:nil
3/26    Interesting thoughts on the future direction of interest rates,
        inflation, the murkiness of macroeconomonic policy, etc.
        http://www.morganstanley.com/GEFdata/digests/20050325-fri.html#anchor0
        \_ Dense reading, difficult to understand for those who didn't major
           in world economics or business (I'm just a dumb EECS major, I know
           a lot about circuits but nothing else). Can you PLEASE summarize?
           \_ Inflation is going up, interest rates are going up. This is
              happening in Europe too. Japan is still having a deflation
              problem, but it might start to go away.
2005/3/20-22 [Finance/Banking, Finance/Investment] UID:36783 Activity:high
3/20    I'm an ignorant engineer and I never took an econ/business/political
        class. Having that said, if both US and Europe have big
        deficits who loans the money and who's gaining? Switzerland?
        Japan? In another word, who's the big banker?
        \_ Mostly Asian countries, in particuar Japan and China.  As I
           understand it, China's overall share is growing rapidly.  Check out
                      \- As I understand it, there is a bit of a difference
                         between what is going on in Japan and China. You can
                         accumulate dollars because you are selling a lot
                         of stuff to americans who are paying you in dollars
                         and that is a different matter from taking "your
                         own money which is not in dollars" and turning it
                         into dollars. China is both selling a lot of stuff
                         to america and gas a pretty narrow exchange rate
                         snake against the USD, so they need to hold fx
                         reserve to defend rates, sterilize flows etc.
                         And in china, i suppose the private/public
                         distinction is a little more gray ... like
                         where do the dollar profits of  wholly/partially
                         state owned businesses wind up. india recently
                         cut the USD %age of its FX reserve by something
                         like 25%, if memory serves.
                         \_ For a bunch of commies, China seems to have
                            a pretty good understanding of economics.
                            \_ China isn't really communist any more.  It's
                               behavior borders on aggressively capitalist.
                               The catch is that there's a pretty constant
                               back and forth between the more modern factions
                               in the government who talk like communists but
                               make policy like capitalists and the hardliners
                               who manage to crack down on the capitalist
                               advances every couple of years.  If this is of
                               interest to you and you're still a student, I'd
                               highly recommend taking a class taught by
                               Carolyn Wakeman, a professor in the Journalism
                               school who focuses on Media Studies and China.
                               I forget the title of the class I took from her
                               (China and the Media?), but it was really
                               interesting, I learned a great deal, and it
                               significantly altered my perception and
                               understanding of modern China. -dans
                               \_ dict irony
           Paul Krugman's editorial column in the New York Times, he talks
           about this frequently. -dans
           \_ URL please?
              \_ http://csua.org/u/bgj
        \_ The largest debtholder is Japan. Next is China. Third is Great
           Britain. I think that Britain is being largely ignored, but
           their economy is doing great and they have shunned the Euro.
           I'd almost rather buy Pounds Sterling than Euros as a hedge.
           \-If you really want a framework to think about this stuff,
             first you should learn a little about the domestic case
             [closed economy] and then a toy version of the open economy
             [incorporating more nuanced theories of international finance
             and trade gets pretty complicated since there are a lot of
             not agreed up assumptions and causal relations and equillib
             conditions] ... if you are an engineer, you should be able
             to follow say the first 5 chapters of something like dornbusch&
             fischer. It really is important to have this framework rather
             than a random assortment of factoids. An important identity
             in the domain of your question is:
               Private Sector                Public Sector
             Saving - Investment =  [(GovtSpend + Xfers) - Taxes] - NetExports
             This tells us Net Domestic Private Sector Savings is equal to
             the Budget Deficit + Trade Surplus.
             So this tells us a few things: 1. budget deficits complete
             with the private investment sector for savings dollars. 2. you
             should not look at bilateral deficits but aggregate flows.
             The Aggregate Demand for dollars, which in turn defines the
             exchange rate (an exchange rate is a price ... and as we
             know price is a function of supply and demand), has a number
             of components and is beyond the motd.
             of components and is beyond the motd. 3. the us public and private
             debt competes with others to suck up international saving ...
             i believe the us's demand on world saving is around $4T now.
             finally, the motivation for the asian banks [i am not sure
             about GB vs SKorean and Taiwan] to keep buying us dollars
             is partly self-serving ... to keep the dollar from weakening
             more and from interest rate going up and choking off some
             consumer borrowing ... but yeah, this cant go on forever.
             "who is gaining" is a toughie ... if you work for ibm and you
             hold 100 shares of ibm, you arent going to be laughing at
             a "chump" with 10,000shares of ibm if the stock tanks. --psb
             \- if you want a very detailed breakdown of these various
                categories, google("federal reserve", "flow of funds") for
                the "Z.1" document. --psb
        \_ The Bank of Japan (BOJ) has been lending the US Treasury
           $100s of B of dollars over the last few years. I know the
           official reasoning is that they are doing this to keep the
           Yen down, but since Japan already runs huge budget deficits,
           there is more going on here than meets the eye.
           \_ Er, You dont understand what is going on.
              \_ Please enlighten me.
                 \_ I am pretty cool Bevis, but that is beyond my power.
                    \_ In other words, you have no idea what you are talking
                       about. Why not just say that?
                       \_ I have no idea what I'm talking about.
                          \_ Too bad, I had hoped that you knew the answer to
                             something that has been puzzling The Economist
                             for a long time.
2005/3/19-21 [Finance/Banking] UID:36769 Activity:low
3/19    http://emigrant-direct.com now at 3.25%. competition is good.
        \_ WOW this IS pretty good. Has anyone actually tried it? I do have
           a problem with its name though. It has the connotation of moving
           your money overseas or something. And there is the phrase that
           if it's too good to be true, it probably is...
           \_ I signed up for one. I doubt it's a scam. The bank itself looks
              legit. And 3.25% is not really "too good to be true". Interest
              rates at the online money markets have risen 0.5% in the last
              6 months or so, but there were only two major ones (ING and
              virtualbank). They were pretty much going tit for tat. A new
              challenger needs to up the ante a little more than normal to
              get attention.
        \_ I researched ED vs. ING and decided that ED looked a little rinky
           (have to do snail-mail confirmation, weird clauses on how and when
           you can get money out, crappy web interface for pulling up historical
           data on your account, and they don't own their own SSL server,
           AFAICT)  For only 0.65% less, I'm going with ING for now.  In a
           year either the competition from ED will have driven up ING's rates
           or the increased volume to ED will have caused them to fix their
           issues.  Either way's a win.
2005/3/18-21 [Finance/Banking, Politics/Foreign/Europe] UID:36760 Activity:moderate
3/18    Hello, I've contacted my friend in UK who says an interest rate of 4%
        is not uncommon. He suggests that I look into the following big bank in
        UK: NatWest, LloydsTSB, HSBC, Royal Bank of Scotland, and Abbey Bank.
        Indeed, they all have much higher interest rates than in the US. Here
        is the problem. They all have a requirement that you be a "Resident of
        UK." What kind of proof do they want as a resident of UK? I'm thinking
        that if I do e-banking, they shouldn't have to mail me anything...
        \_ You can get a CD at Wells for 3.75 over 22 months. Minimal
           deposit of 10K. Auto-rollover with higher yield at maturity. So why
           even fucking bother...
           \_ that's not so great. http://virtualbank.com has 3.75% for 18 months,
              or 3.95% for 24.
           \_ ING Direct in US is 3.6%, you put in/take out any time you want.
              \_ Try 2.6%  I wish it was 3.6%  Still damn good for short-term.
                 \_ http://emigrant-direct.com now at 3.25%. competition is good.
              ING Direct in UK is 5%. With devaluating dollars and the deficit,
              relative to the US it is more like 20%. Why even fucking bother?
              You do the long term math.
              And by the way my mom (over 60) has annuities, and gets over
              5% for a 5 year plan, so I did in fact have her open up an acct
              in her name for me.
              \_ Now what guarantee do you have that this trend will hold over
                 the long term? Then factor in the price of currency
                 exchange, and the fact that you probably don't have nearly
                 as ready access to your money.
                 \_ Ok, ideally I'd like to access the money within 1 month.
                    Overseas transaction falls within that timeline. Why
                    1 month? So that if I decide to use it to buy something
                    big like a down payment for a house or a condo investment
                    in Shang-hai, I can do so within 1 month. I know that
                    someone will ask me why not just buy a house.
                    I already have 2 houses, 1 rental. I don't want to
                    buy a 3rd house (not now). I have been thinking about
                    investing in Shang-hai as my friend's dad bought a
                    hi-rise floor that doubled in price in the last 1.5
                    year. But until I've made up my mind, I just want
                    to keep my money in a nice place. By the way, if you have
                    ANY idea what people in HK and Taiwan are doing with
                    their investments, you'll also have little faith in
                    crappy US currency as well. I don't want to know the
                    financial impact of a swarm of people (esp. Asians)
                    moving their assets outside of US as is happening now.
                    \_ Well, good luck to you. Just be aware that the dollar
                       has always rebounded in the past, and very strongly
                       against any Euro currency. If you really want to be
                       this anal about your investments you can go ahead and
                       dump it into gold. Also, be aware that the europeans
                       are running pretty large defecits themselves. Plus,
                       the europeans are much less dynamic in terms of
                       adjusting to global changes in the economy. You sound
                       like the geeks who kept on buying yens during the
                       late 80s, then the big miracle of Japan ended and
                       you were stuck with 120+ for years.
                       \_ actually the dollar has been falling over the
                          past 40 years.  OTOH, buying property in
                          Shanghai is highly risky.  Many think it's
                          at a local maxima.  As for a swarm of asians
                          moving their assets out of US, I think it is
                          exaggerated.  Asian central banks diversifying
                          is the big worry.  -yap
                          \_ Bank of Japan is pretty much propping up the
                             dollar all by themselves at this point. I think
                             they have 1T in dollar denominated bonds
                             right now.
        \_ probably valid ID.
        \_ If you can't open a UK bank account, how about buying 'blue chip'
           Pound-denominated corporate bonds?
2005/1/28-29 [Finance/Banking, Computer/HW/Drives] UID:35954 Activity:moderate
1/28    Anyone have any creative ideas for things to do with old CDs?
        Does campus recycle them?
        \_ create art.  Make CD mail armor.
                        \_ This is the most brilliant goddamn thing I've
                           seen all week.  You just defined my purpose in
                           life.
                           \_ Use a lot of duct tape on the backside so the
                              splinters from the cracked CDs don't get
                              jammed into your skin.
           \_ true, good for reflecting lasers, at least...
2005/1/26 [Finance/Banking] UID:35923 Activity:high
1/26    Oh, bummer, Mr. "It's Already Been Spent" deleted our argument.
        I wanted to ask him if the excuse "It's Already Been Spent"
        was valid to use when asked to repay any debt. I have some
        T-Bills that are due in 2012. Should the US government just
        shrug its shoulders and say "Sorry buddy, it's already been
        spent"?
        \_ you seem to misunderstand the distinction between making
           the loan to yourself and to someone else.  Money does not
           just magically appear.  Either you raise taxes or your
           create inflation.
           \_ So it is not possible for one division of Ford Motor
              Company to lend money to another?
              \_ What you are talking about is similar to what
                 Tyco, Enron, etc. did during the late '90s.
                 One division of Ford makes another a loan who
                 spends that money.  Ford Motor now reports this
                 internal loan on its balance sheet as interest
                 generating asset.  Do you see the problem?
                 Only in the lala land of the Democrats and
                 RINOs can you loan yourself money, spend it,
                 pay yourself interest on the loan, and not
                 only have incurred a net loss but gained!!
                 One more time, the notes owned by SS are
                 effectively one of two things, higher taxes
                 or inflation.
2005/1/25-26 [Finance/Banking, Finance/Investment] UID:35892 Activity:very high
1/25    Let me ask a stupid question, how will the deficit be paid?  How
        will the huge deficit really impact our lives in the future?
        Where is the money coming from currently? Are we borrowing
        from foreign governments? Are we printing money like crazy?
        How does it work?
        \_ um..  *deficits* dont get paid.  *debt* does.  deficit is the rate
           at which you accumulate debt.  Petty semantics.
        \_ http://news.ft.com/cms/s/bd52ee06-6dad-11d9-ae0d-00000e2511c8.html
           In 2003, the most recent year with full international
           statistics, central banks financed 83 per cent of the
           US current account deficit, with Asian central banks
           accounting for 86 per cent of flows.
        \_ The dollar right now is a lot like .com stocks in 1999 ... As long
           as there is a consensus that the dollar holds true value, it will
           remain more or less propped up.  If enough central banks decide to
           get out of the dollar, it will collapse, taking the world economy
           with it.  The universal desire to not have that happen is colliding
           with our desire to borrow indefinitely.
           \_ Son, that's been the case since we left the gold standard.
                \_ This is true for any floating currency.  However, in the
                   past there were structural reasons for the value of the
                   dollar ... Now it's mainly our military keeping it afloat.
        \_ let me ask another stupid question, from which countries do we
           borrow money from?
                \_ Mostly Japan, Europe, China & Middle East (Saudi Arabia)
                   That's one reason why freepers are funny ... They preach
                   "fuck the rest of the world" yet don't realize how their
                   lifestyles are being subsidies by the entire planet.
                   lifestyles are being subsidized by the entire planet.
                   \_ haha silly liberal you are.  freepers believe that by
                      bombing the rest of the world into oblivion all debts
                      will be gone.
                   \_ I read that most of it is held by Americans, but the
                      largest amount of debt held by foreigners is held by
                      England. Maybe we'll become a colony again.
                      \_ I just checked and most of it is owned by Japan
                         and China. England is third. Japan owns FAR more
                         of it than anyone else. -pp
                   \_ Um, I thought the debt was financed by treasury bonds.
                      That is, people buy the bonds and collect interest--we
                      don't go out and borrow from other countries.
                      \_ Foreign entities also buy those securities.
                         Roughly half of the $7 trillion debt is owned by the
                         Fed and federal trust funds. Of the other half
                         that is privately held, foreigners own about half
                         of that. More disconcerting is that almost all of
                         the recent debt was purchased by foreigners and
                         so the ratio is getting worse.
                      \_ But we buy the products from foreign countries and
                         give them dollars for it.  Since there is a $60
                         billion a month trade deficit and dollars are
                         basically IOUs, how is that not borrowing from
                         foreign countries?
        \_ The day is coming when we will be called and at that
           point this country will be in a world of hurt. If we
           manage to survive this, the result will be spectacular.
           The nature and scope of central gov in this country
           will be severely curtailed for decades and we will
           finally get Jefferson's "wise and frugal gov" that
           would provide a common judiciary and military but
           little else.
        \_ What's the easiest way to diversify one's cash savings denomination?
                \_ Buy gold. Dig hole. Insert gold. Cover up.
                   \_ Buy metal detector.  Buy shovel.  Head over to your house.
                   \_ Buy metal detector.  Buy shovel.  Head over to
                      your house.
                        \_ The "don't tell anyone you've buried gold at spot
                           X" was implied.
                \_ 2nd the motion... check out "GLD" gold ETF
                   this will protect against a deep drop in the dollar..
           \_ http://everbank.com
        \_ Oh, and one possible answer to "how will the deficit be paid"
           might be "the conservative Christians running the country believe
           the Rapture will arrive before that day comes".
        \_ Up until now, we have been able to roll it over each year,
           but soon it will start to become a drag on our economy. If
           the Bush deficits continue at 4-6% of GDP for another 4 years,
           the cost of financing the deficit will put a drag of -1%/yr
           to GDP growth. At some point, we go the way of England.
           Check out The Economist article at /tmp/ausman/dollar
           \_ That was a good article, thx.
2005/1/18-19 [Finance/Banking, Computer/HW/Drives] UID:35762 Activity:moderate
1/18    A bunch of CD-ROMS I have are corrupted. They're in a nice
        CaseLogic case, closed, stored in a temperate (70-85F), dry
        location. I have no idea why they're corrupted, but I know
        one thing-- they've been sitting close my Sharper Image Ionizer
        [plus UV mode turned on], for maybe 6 months. I'm suspecting
        that either the ions or the UV killed them, but is it actually
        possible with the CD case closed? How about ions, are they
        bad for electronics, etc? ok thx.
        \_ Nah, most likely you got a bad batch of CD-Rs. Some CD-Rs
           were just badly manufactured and the dye just broke down.
           I'm assuming these are CD-Rs and not regular CDs. If they
           are regular CDs then there's something wrong with your drive,
           assuming that the CDs aren't melted or something. Otherwise,
           pressed CDs are very sturdy.
                \_ I thought about that, but both of my Memorex and
                   Maxell batch are dead. And the weird thing is that
                   initially the disk read were alright till maybe the
                   last 10% of the files, which end up to be corrupted. So
                   I think maybe one side of the CD got exposed to
                   something harmful, but I don't know...
        \_ How old are they? CDs are known to "go bad" after 7-10 years.
          \_ I made them since 2000-2001. Never really subjected them to
             sunlight or extreme heat. Must be the UV+ionizer           -op
        \_ the data is written from the middle outward, so your experience
           of the "last 10%" failing first indicates that the seal on
           the outer rim failed and the dye layer degraded from the outside
           towards the middle.  do you see any funny patterns on the data
           side, e.g. corrosion or weird non-concentric variations?  i too
           would blame the ionizer.
2005/1/16-17 [Finance/Banking, Consumer/Shipping] UID:35738 Activity:nil
1/16    How does banks' e-billpay work?  My bank asks for the payee's name,
        (USPS) address, phone #, and account number.  Is it going to send a
        check by snaiil mail to the address?
        \_ They look at the address first.  If it's someone they know (say,
           PG+E), they send the payment electronically; if not, they mail a
           check.
2004/12/29 [Finance/Banking] UID:35489 Activity:nil
12/29   http://www.nytimes.com/2004/12/30/opinion/30thu2.html?hp
        "Are We Stingy?  Yes"
2004/11/19 [Finance/Banking, Computer/SW/Security] UID:34977 Activity:high
11/18   Should cows be tipped?
        \_ of course. though I (and I think most people) usually just
           round up to the next dollar, and if that is less than 10%,
           add a dollar.
        \_ Why tip them?  They are being paid for the services.  Who started
           this kind of tipping system.  It so ridiculous.
           \_ shut up, overpaid software engineer - danh
                \_ also taxi drivers make like $2.00 an hour.  I know
                   it's not your job to make their careers viable
                   but it's something to keep in mind. - danh
                \_ If your're going to tip taxi drivers, barbers, waiters, etc,
                   you might as well tip other people providing services to

                   you such as garbage collector, postman, cashiers, etc.
                   \_ Well, if all those other jobs had their wages lowered to
                      reflect expected tipping, then sure.  Now if you want to
                      question which, if any jobs should be largely paid in
                      tips, that's another matter.
                   \_ Don't forget to tip your local software engineer.
                   \_ Most civilized people give their garbage collector,
                      postal delivery guy, etc a Christmas gift of some kind.
        \_ You can lament the tipping system all you want, but the fact is
           that, particularly in the U.S., we've adjusted salaries based on
           the expectation of tipping, so in a real sense you are only paying
           for the service if you tip the expected amount.  -tom
           \_ Well I was really asking what's "THE STANDARD". -op
              \_ http://www.tipping.org/tips/TipsPageTipsUS.html.  -tom
                  \_ You need to tip furniture delivery person???  I tip
                     people all the time but never to a delivery person.
                     \_ http://csua.com/?entry=11672
                     \_ Please tell me you tip your pizza delivery guy at least
        \_ Oddly topical article from last Friday:
           http://www.kcrg.com/article.aspx?art_id=92666&cat_id=123
           Gist being that driving a cab even in Cedar Rapids is dangerous.
           \-so is it ok to not tip if the service is seriously bad ... and
             i mean stuff under the service employee's control. --psb
             \_ No; you should tip the expected about even if the service is
                  ^ should be a comma.
                    \_ No. It should be a period.
                        \_ A semicolon is perfectly correct, if a little odd,
                           as it is.  The sentiment, however, is wrong -phuqm
                seriously bad, according to Miss Manners.  -tom
                \_ Miss Manners can suck a dick.  The whole point of tipping
                   vs. salary is that with tipping the customer can punish the
                   employee for doing a bad job or reward them for a good job.
                   It's basically an economic system of performance evaluation.
                   \_ Wrong.  15% tip for the waiter is part of his salary.
                      You can give more for good service.   -tom
                      \_ It's part of their earnings, but not part of their
                         salary.  If it was, it wouldn't be a tip.  They're
                         not entitled to a tip if they do a terrible job, and
                         that's borne out both in custom and law.  I always tip
                         but if someone was really rude or incompetant I would
                         not feel obligated.
             \_ Yes, of course.  The understanding implicit in tips is that
                your pay is performance-based.  Bad performance = less or no
                tip. --erikred
             \_ Sure, but some people feel it's OK to withold a tip for things
                out of a server's control, like bad food or a slow kitchen.
                \-yeah i dont mean for a minor slight like "my water glass
                  was empty for 5min. i mean something like a seriously
                  fucked up haircut. or a taxi driver who gets lost after
                  you specifically asked do you know where X is. --psb
                  \_ If I ask for more water twice and it doesn't come, that's
                     bad service.
                     \- if the wait person is stupid vs. surley vs. the
                        restaurant is understaffed, those are all different
                        scenarios in my book. there is bad service and then
                        there is stuff that actually will cost you money ...
                        waiter spills liquid on your clothes. it's the latter
                        cases where i think it is not unreasonable to imply
                        "this is coming out of your tip". --psb
                        \_ and of course, you think it's fine for people to
                           withhold your salary based on their own criteria,
                           and never tell you why.  -tom
                           \_ I have a legally binding contract governing my
                              salary.  I may also receive an additional bonus
                              as an incentive to perform; said bonus may be
                              allotted on purely subjective criteria, so
                              essentially, yes.  Service industry employees
                              hold jobs which involve providing service.  I
                              pay for this service already.  If they are not
                              being paid enough, it is a contractual issue
                              between themselves and their employers.  It is
                              not my problem.  I am already compromising far
                              more than I feel obliged to by adhering to
                              cultural norms suggesting I pay the service
                              staff extra for making an effort to provide
                              particularly good service.  -John
                              \-holube: do you think it is "better" that
                                to you tip a waiter than drops soup on you
                                and then write a letter to management
                                suggesting he/she is a lamer? the analogy
                                to "me and my employer" doesnt work because
                                one relationship is between 2 parties and the
                                other is between 3 parties ... and norms
                                that are sustainable in long term relationship
                                may not work in one-shot cases. it is not
                                feasible for me to tip 15% and then go to the
                                employer and ask for a partial refund because
                                of some problem. again i am talking about
                                cases where something fairly dramatic has
                                gone wrong. also the restaurant case is
                                likely different from others because tip
                                pooling is likely. there are certanly micro-
                                differences in service and tipping is one
                                place to allow for some flexibility [are you
                                a regular who is seated before other people
                                who got there before you? are you seated next
                                to the bathroom etc]. so why arent flight
                                attendants tipped? --psb
                                \_ I can't believe you guys had a whole tipping
                                   conversation without once mentioning Mr.
                                   White.  Philistines!
                                   \_ Do you know what this is? It's the world
                                      smallest violin, playing just for the
                                      waitresses.
                                      \_ Yeah! FUCK POOR PEOPLE!!
        \_ I always forget to leave a tip for the room service people
           in hotels.  Those people make atrocious wages too.
2004/11/18-19 [Finance/Banking, Computer/SW/Security] UID:34956 Activity:very high
11/18   Should taxi drivers be tipped?
        \_ of course. though I (and I think most people) usually just
           round up to the next dollar, and if that is less than 10%,
           add a dollar.
        \_ Why tip them?  They are being paid for the services.  Who started
           this kind of tipping system.  It so ridiculous.
           \_ shut up, overpaid software engineer - danh
                \_ also taxi drivers make like $2.00 an hour.  I know
                   it's not your job to make their careers viable
                   but it's something to keep in mind. - danh
                \_ If your're going to tip taxi drivers, barbers, waiters, etc,
                   you might as well tip other people providing services to

                   you such as garbage collector, postman, cashiers, etc.
                   \_ Well, if all those other jobs had their wages lowered to
                      reflect expected tipping, then sure.  Now if you want to
                      question which, if any jobs should be largely paid in
                      tips, that's another matter.
                   \_ Don't forget to tip your local software engineer.
                   \_ Most civilized people give their garbage collector,
                      postal delivery guy, etc a Christmas gift of some kind.
        \_ You can lament the tipping system all you want, but the fact is
           that, particularly in the U.S., we've adjusted salaries based on
           the expectation of tipping, so in a real sense you are only paying
           for the service if you tip the expected amount.  -tom
           \_ Well I was really asking what's "THE STANDARD". -op
              \_ http://www.tipping.org/tips/TipsPageTipsUS.html.  -tom
                  \_ You need to tip furniture delivery person???  I tip
                     people all the time but never to a delivery person.
                     \_ http://csua.com/?entry=11672
                     \_ Please tell me you tip your pizza delivery guy at least
        \_ Oddly topical article from last Friday:
           http://www.kcrg.com/article.aspx?art_id=92666&cat_id=123
           Gist being that driving a cab even in Cedar Rapids is dangerous.
           \-so is it ok to not tip if the service is seriously bad ... and
             i mean stuff under the service employee's control. --psb
             \_ No; you should tip the expected about even if the service is
                  ^ should be a comma.
                    \_ No. It should be a period.
                        \_ A semicolon is perfectly correct, if a little odd,
                           as it is.  The sentiment, however, is wrong -phuqm
                seriously bad, according to Miss Manners.  -tom
                \_ Miss Manners can suck a dick.  The whole point of tipping
                   vs. salary is that with tipping the customer can punish the
                   employee for doing a bad job or reward them for a good job.
                   It's basically an economic system of performance evaluation.
                   \_ Wrong.  15% tip for the waiter is part of his salary.
                      You can give more for good service.   -tom
                      \_ It's part of their earnings, but not part of their
                         salary.  If it was, it wouldn't be a tip.  They're
                         not entitled to a tip if they do a terrible job, and
                         that's borne out both in custom and law.  I always tip
                         but if someone was really rude or incompetant I would
                         not feel obligated.
             \_ Yes, of course.  The understanding implicit in tips is that
                your pay is performance-based.  Bad performance = less or no
                tip. --erikred
             \_ Sure, but some people feel it's OK to withold a tip for things
                out of a server's control, like bad food or a slow kitchen.
                \-yeah i dont mean for a minor slight like "my water glass
                  was empty for 5min. i mean something like a seriously
                  fucked up haircut. or a taxi driver who gets lost after
                  you specifically asked do you know where X is. --psb
                  \_ If I ask for more water twice and it doesn't come, that's
                     bad service.
                     \- if the wait person is stupid vs. surley vs. the
                        restaurant is understaffed, those are all different
                        scenarios in my book. there is bad service and then
                        there is stuff that actually will cost you money ...
                        waiter spills liquid on your clothes. it's the latter
                        cases where i think it is not unreasonable to imply
                        "this is coming out of your tip". --psb
                        \_ and of course, you think it's fine for people to
                           withhold your salary based on their own criteria,
                           and never tell you why.  -tom
                           \_ I have a legally binding contract governing my
                              salary.  I may also receive an additional bonus
                              as an incentive to perform; said bonus may be
                              allotted on purely subjective criteria, so
                              essentially, yes.  Service industry employees
                              hold jobs which involve providing service.  I
                              pay for this service already.  If they are not
                              being paid enough, it is a contractual issue
                              between themselves and their employers.  It is
                              not my problem.  I am already compromising far
                              more than I feel obliged to by adhering to
                              cultural norms suggesting I pay the service
                              staff extra for making an effort to provide
                              particularly good service.  -John
                              \-holube: do you think it is "better" that
                                to you tip a waiter than drops soup on you
                                and then write a letter to management
                                suggesting he/she is a lamer? the analogy
                                to "me and my employer" doesnt work because
                                one relationship is between 2 parties and the
                                other is between 3 parties ... and norms
                                that are sustainable in long term relationship
                                may not work in one-shot cases. it is not
                                feasible for me to tip 15% and then go to the
                                employer and ask for a partial refund because
                                of some problem. again i am talking about
                                cases where something fairly dramatic has
                                gone wrong. also the restaurant case is
                                likely different from others because tip
                                pooling is likely. there are certanly micro-
                                differences in service and tipping is one
                                place to allow for some flexibility [are you
                                a regular who is seated before other people
                                who got there before you? are you seated next
                                to the bathroom etc]. so why arent flight
                                attendants tipped? --psb
2004/10/13 [Finance/Banking] UID:34088 Activity:high
10/13   Ok, this Bush's tax free Health Savings Account coupled with a
        high deductible health insurance is actually not a bad idea.
        My company already has good insurance, but I don't mind if my
        company switches to this new plan, and pass the savings to me.
        My company pays about $350 per month for the current plan.
        link:tinyurl.com/6pdk2
        \_ this plan is bad for individuals with chronic health problems.
           \_ The cruel truth is that every plan is bad for someone.  The
              question is whether it's better to be a little bad for the
              generally healthy or particularly bad for the mostly unhealthy.
              \_ We're not a nation of eugenecists, and we don't leave our
                 unhealthy children to die of exposure. The question is whether
                 the HSA idea makes sense and contributes something that the
                 current system does not.  Move forward, not backward.
                 \_ Do you get a discount when you buy the strawmen in bulk?
                    \_ Actually, it's an argument ad nauseum.  Straw man would
                       be if I said, The Holocaust was wrong, and anyone who
                       agrees should also agree with socialist medicare.
        \_ The math is driving me nuts because I can't seem to lock down
           any numbers.  How much of an annual deductible are we talking about?
           Would this include meds?
2004/10/7-8 [Reference/Tax, Finance/Banking] UID:33974 Activity:very high
10/7    So I read in The Economist last week that Americans now save
        1% of their income. That astonished me. Time for a motd poll:
        I save 30% or more of my income: .
        I save 1% or more of my income: .......
        I save less than 1% of my income:
        I save NaN of my income: .
        \_ I think these things are bogus.  They usually say "disposable
           income" but what exactly is that?  401k counts?
           \_ Any income that goes above the standard costs of living,
              basically any money left over after you pay rent/mortgage,
              food, utilities, transportation, debts and insurance.
              A lot of people are living month-to-month because they
              have zero disposable income (they buy too much house,
              they have kids, they buy too much car, they have high cc debt,
              etc.) The only real way to get out of this trap is to
              own some assets which generate you money, which is why
              it's technically a lot less riskier to start your own
              venture than it is to just keep living from paycheck to
              paycheck. (Optimally you do both). In contrast, my
              disposable income approaches 50-60% of my total income, but
              that's because I have both assets (in terms of rentable,
              paid-off real-estate and running small business ventures
              on the side and playing the market) and a steady income
              from a "day-to-day" job. Plus, I have no capital intensive
              dependents (read kids).
              \_ That's very nice for you, but doesn't really do much for all
                 the Americans who can't save.  I find your explanation for
                 why people are living paycheck to paycheck to be somewhat
                 glib.  What about skyrocketing health care costs?  What about
                 skyrocketing housing costs (a tiny single family home is only
                 "too much house" because it is overpriced)?  What about
                 stagnation in middle class income?
                 \_ I make about 23k/year and save about 10% of my income.
                    not driving is probably the single biggest factor.
                 \_ What about them? As I said before, the only way to
                    get out of the trap is to own money-generating assets.
                    Sure, a 10-25% increase in healthcare/fuel costs is going
                    to cost the average American about 3-4K more per annum,
                    but 3-4K is like peanuts compared to the money you
                    can generate by doing things beyond a monthly paycheck.
                    Is it easy to do? No. Does it take a toll on your social
                    life? Absolutely. Working weekends/nights on your own
                    stuff is only for those who want to do it, but the
                    rewards are there if you stick to it.
                    Plus, buying a house in an overpriced market is just
                    dumb. Even if interest rates are low the savings in
                    monthly payments are offset by the longer term of the
                    loan and the higher property tax you pay. Think about it,
                    a 15 year loan is finished in 15 years, but property taxes
                    are there ALWAYS until you sell the property. A lot
                    of people get suckered into thinking that buying a home
                    is good because it's an asset. It isn't. Buying a home
                    that is overpriced with long-term mortgaging is just plain
                    stupid because it's a big LIABILITY. So, people should
                    take the emotion out of buying real-estate and pay for
                    what the property is worth, NOT what the monthly
                    mortgage payments are. After all, if you are making a
                    decent living the extra couple of points on the mortgage
                    are tax deductible anyway.
                    \_ My mortgage + property tax is not that bad once I
                       deduct the interest and the tax. If the house falls
                       in value the property tax goes *DOWN*. Be careful
                       that you don't fall off your high horse, because
                       many people in this country cannot afford a house
                       at any price and $3K/year is a lot of money to
                       someone who clears $450/week (which is what you get
                       if you make $30K). It's easy for us six figure
                       college boys to scoff, huh?
                       \_ I've met a number (not many, but a fair number)
                          of people who have never even set foot on a
                          University campus who slowly but surely became
                          millionaires. They did it by owning small businesses.
                          They did it by being frugal. They did it because
                          they knew how to save. A large paycheck doesn't
                          equate to knowing how to save that money
                          because Uncle Sam whacks off 33-40% off of
                          that paycheck thanks to our progressive tax
                          system. The key is to think about doing
                          things OUTSIDE your daily routine that will
                          generate money.
                          \_ This is not everyone. The number one thing
                             you need to have in order to save is money.
                             Discipline and motivation are second. My dad
                             saves a lot of money (as a %) but he could
                             save that % for the rest of his life and
                             it wouldn't do much good. Your audience is
                             wasteful professionals, not the working man.
                             Yes, you can turn from burger flipper into
                             burger chain owner like the Wendy's guy, but
                             not everyone is capable and quite frankly
                             there's a lot of luck to it.
                             \_ I dunno about that. My wife worked as a
                                waitress for seven years and managed to
                                put away $50k, which she had turned into
                                $100k by investing. Now she has a Master's
                                from UCB and is making high five figures,
                                but even as a waitress, plus working odd
                                jobs, ske was able to pull in about $40k/yr
                                and save 1/4 of that. And this is in the
                                Bay Area. I, on the other hand, was $30k
                                in credit card debt before a dotcom cashout
                                saved me. Needless to say, she manages
                                the finances.
                                \_ She saved $10K per year on a $40K
                                   salary? That's definitely unusual, but
                                   even so what can she do with $50K?
                                   She's going to start her own business
                                   with that?! In 20 years she would have
                                   $200K and will have lived like a
                                   college student for her entire life.
                                   That is not exactly appealing to most.
                                   Most people take $50K and buy a house
                                   with it, which is probably not a bad idea.
                                   \_ That is what we did with it: we
                                      bought a duplex, which we live in
                                      and provides a good revenue stream.
                                      That is how you do it: save $50k,
                                      turn it into $100k and leverage that
                                      into bigger gains. It is not easy
                                      and it takes some luck, but unless
                                      someone hands it to you, that is
                                      all you can do. At this point I
                                      would like her to start her own
                                      business, but she likes where she
                                      is at too much to switch.
              \_ I see.  I spend like $1900 per month.  If I make $5000
                 (should it be before or after tax?), does that mean I have
                 a savings rate of 62% ?  I have trouble believing
                 the 1% figure.  Many people I know don't save enough, but
                 1% sounds too low.  Does, say, home improvements that
                 increase the value of your house count as savings?
                 \_If you make $5000 per month your take home pay is about
                   $3700-$3900 after taxes, SSI, etc. depending on how you
                   do your taxes. If you spend $1900 per month you'll be
                   left with around $2000 of disposable income. Obviously
                   you're not going to save $2000 (you probably spend some
                   on stuff like movies, games, gifts, computer junk, etc).
                   so you probably save around $1200-$1500, which is a good
                   number compared to most Americans. The U.S. could encourage
                   even more savings if they would give people who saved their
                   money tax breaks, i.e. they would knock off a buck off
                   your taxes for every 10-20 bucks you save.
                   If you want to save on taxes you should start a business
                   and expense a bunch of stuff, like your vehicle, equipment,
                   etc. That way you expense some of your consumables and
                   you can deduct that from your taxes. In addition, you
                   should really use some of the money you save for business
                   ventures because if you lose the money it's tax deductible.
                   So hey, why not risk it? And contrary to popular belief,
                   you have about a 50% chance (if you do your homework)
                   of having a business succeed. (the 1-10 number is
                   not an accurate statistic).
                   \_ I thought that the 1 in 10 number was just for VC funded
                      high-tech startups.
        \_ Why save when the government is there to take of you
           cradle to grave.
           \_ The gov't wasn't there to help you write a coherent sentence,
              apparently.
                  \_ The couple who live below me are probably 38-44ish,
                     have no kids and are renters.  The complain about
                     chipping in an extra $7/mo for garbage but they own
                     1 brand new 5series BMW, a corvette, and another car,
                     a +$25k harley and another motorcycle. One is some kind
                     of office manager type and the other is a personal
                     trainer. I fully believe the have a ~1% savings rate
                     or one of them is a successful drug dealer.
2004/6/23 [Finance/Banking, Computer/HW/Drives] UID:30970 Activity:nil
6/23    Does the post office generally sell CD mailers (something sturdy to
        ship a CD in) or do I need to stop at Office Depot on the way to
        the post office?
        \_ Depends on the PO. Better to stop at OD or Staples and get
           one since the PO generally overcharges for stuff like that.
2004/6/4-5 [Finance/Banking] UID:30619 Activity:high
6/4     Loan experts. What are the difference between the two scenarios?
        1. borrow 100k at 6% for 30 years, pay off 50k immediately
        2. borrow 50k at 6% for 30 years.
        According to my loan program, I pay quite bit more in 1. but
        shouldn't the two be the same? ie, in 1, the interest also
        starts pretty much with 50k principle.. what causes the
        difference? Thanks.
        \_ Your 50k must be 50k of the principle--that is 50k + 1st month
           interest + same principle as loan 2.
        \_ As above says, but also make sure your loan doesn't have any
           pre-payment penalties and as they say make sure your 50k is going
           to principle, not interest.  Then it becomes the same.  Almost.
           You'll end up paying a few days interest on that 50k.
        \_ If this is a mortgage - like loan, some have origination
           "points" or fee structures based on the principal amount.
           nitpick: principal not principle.
2004/6/4 [Finance/Banking, Finance/Investment] UID:30604 Activity:very high
6/4     I'm not sure I can handle 4 more years of this sort of mishandling
        of the economy:
        http://quote.bloomberg.com/apps/news?pid=71000001&refer=home&sid=a_I6S1CQ9YE8
        http://news.myway.com/top/article/id/44113|top|06-04-2004::08:45|reuters.html
        \_ Does anyone know if they succeeded in recategorizing burger flipping
           jobs as manufacturing?
           \_ Do you have anything that says these aren't real jobs?  No, you
              don't.  You're just a hater and wish the whole country would
              take a huge dive solely for the purpose of getting your guy in
              office.  You put your party above the country and you suck.
              \_ Wow.  Would you compare a $5.50/hr job at McDs favorably with
                 a $35k/yr+benefits manufacturing job?  If you can honestly
                 say yes, you're an idiot.  Also, reread what I asked.  This
                 was an actual proposal from BLS.  I asked if it had gone
                 through.  Cut it with the knee-jerking.
                 \_ Do you have a single thing that says the new jobs are
                    $5.5/hr jobs?  The rest is a red herring.
                    \_ Did I say I did?  I asked a question which was directly
                       related, and you proceeded to spew.  One of the main
                       points in the report were that manufacturing gains were
                       strong.  If that proposal became policy, this could
                       have a direct impact to the discussion, but as you don't
                       have an answer to my question, stick a cork in it.
        \_ More McJobs!  Greater rich-poor gap! Quick, pretend Iraq didn't
           happen!
           \_ McJobs?  You have something that says these aren't real jobs or
              you're just mouthing off like the partisan hack that you are?
           \_ Yeah, let's get those jobs based on nothing that we had 5 years
              ago.
              \_ We need a strong president who will keep the economy and
                 job market from changing!
                 \_ More stable unjobs!
        \_ Economic policies take years to have any effect.  The economy for the
           past few years has been fueled by debt, especially with mortgage refinancing
           being a major factor in freeing up money.  I personally don't blame
           Bush for the crummy economy and I think it's disingenous to do so.
           But I think it's naive to assume it was his handling that
           helped or that his current policy won't be destabilizing in the future.
           Also note that the government has  expanded since 9/11 and government
           expansion tends to help the economy.
                --jeffwong
        \_ Economic policies take years to have any effect.  The economy for
           the past few years has been fueled by debt, especially with
           mortgage refinancing being a major factor in freeing up money.  I
           personally don't blame Bush for the crummy economy and I think it's
           disingenous to do so.  But I think it's naive to assume it was his
           handling that helped or that his current policy won't be
           destabilizing in the future.  Also note that the government has
           expanded since 9/11 and government expansion tends to help the
           economy.  --jeffwong  [formatd]
           \_ Oh, come on!  Don't bring reality into this.  We all know that
              President have little to do with the economic ups and downs of
              their term in office but we need this so we can say how Clinton
              was great and Bush sucks.
2004/5/16-17 [Finance/Banking, Computer/HW/Drives] UID:30248 Activity:very high
5/16    poll time:  comments also appreciated:

         Conectiva:
         SUSE:
         \_ It is really annoying that SUSE doesn't make ISO images available.
            \_ Maybe someone has .torrents of them?
                \_ yeah, i'm downloading a torrent now, but it is very slow
                   going, and there are 5 (!!!) CDs.  How does a linux distro
                   need 5 CDs??
                   \_ Latest versions of a lot of programs.  How many thousands
                      of open-source programs exist and are legacy or at least
                      semi-commonly used?  I agree that if they only included
                      'the basics' they could fit it on 1 CD easily.
         Turbolinux:
         Whitebox:
         \_ check out <DEAD>centos.org<DEAD> as a whitebox alternative
        \_ poll about what?  what's the question?  what's good?  what sucks?
           \_jeesus christ are you daft man?
             yeah, favorite, best, most likely to be around in 10 years if
             that's what you want to vote for but basically i am looking for
             people's favorite.
             \_ favorite what?
                 \_ favorite linux distro.  Are you trolling me?
2004/4/4-5 [Finance/Banking] UID:13006 Activity:low 60%like:13003
4/3     Set your clocks back 1 hour tonight.
        \_ Funny thing.  My work's buggy software saved me from missing my
           church job this morning.  I have a nagios monitor on a service
           that checks for a random bug in our software, but only have it
           notify me after 7 am.  One machine tripped the bug last night.
           I got the page at... 6am?  OH SHIT!  THAT'S RIGHT!  Thank god for
           buggy code.  --scotsman
        \_ Ahead.  Spring forward!
        \_ maybe someday this will stop pissing me off, but damn i fucking
           hate daiylight savings.  it's like stamp prices.  i don't give a
           shit whether stamps cost 0.59$ or 0.33$ i just don't want to have
           to go to the fucking post office all the time to upgrade to the next
           generation of stamps that's two pennies more expensive.  i don't
           give a shit whether the sun goes down at what the government says
           is 3 pm or what the government says is 9 pm, i just don't want the
           fucking hassle of dealing with this shit twice a year.  I wish
           stamps cost a dollar exactly and that the whole U.S. was on a single
           time zone all the time. i'm ready to stick it to
           the man over this one.  who's with me?
           \_ Suck it up, punk.  If changing a clock or the changing price of
              stamps gets you this riled you must be living easy.
           \_ Sounds like you would like China.  All one time zone.  No
              Daylight Saving (not savings) time.  Western China is the
              same time zone as Beijing.  It's like San Francisco being on
              the same time zone as Maine.  So in the middle of winter the
              sun doesn't come up till like 11am.  And when you cross the
              border with Afghanstan, it's a 3.5 hour time change.
              \_ Daylight Savings is a valid synonym.
           \_ Somebody missed their nappy nap time....
           \_ uh yeah dst sucks. the stamp thing doesn't bother me as much as
              the fact that they allow bulk junkmail spammers at what must be
              a very cheap rate. at my apartment building there's a huge mass
              of junkmail that gets thrown away every week in a big bin. Spam
              sent directly to me is one thing, but the "bomb the neighborhood"
              mailings piss me off. you know what else pisses me off? i could
              rant about the tax system now but i should have been asleep 4
              hours ago.
                \_ Yeah, that pisses me off too about the bulk snail-mail.
        \_ Why? Isn't that what xntpd is for?
           \_ there are many non internet enabled clocks out there.
              \_ What???  What the hell are you talking about??
              \_ It was a joke.
        \_ I actually HATE *STANDARD* time. I much prefer to see one extra
           hour of daylight in the evening since I almost never wake early
           enough to catch up the sun rise.
        \_ I hate when people use PDT during standard time or PST during
           daylight time, as if it makes no difference.  These people
           should just use PT.  It may be ambiguous, but at least it won't
           be wrong.  I mean in places like Indiana (where part of the state
           uses daylight time and part doesn't), it would seem very important
           to specify D or S correctly.  I wonder if the people there are as
           careless about the distinction as the people everywhere else.
           \_ Would you actually get confused when someone misuses this?  That
              seems rather silly.  Have you ever seen someone use S during
              the D period and actually mean it?  Indiana, Arizona, or China?
2004/3/11-12 [Finance/Banking, Computer/HW/Drives] UID:12622 Activity:moderate
3/11    Is CD1 all I need for general install of Debian 3.0r2?
        Or do I need to get all 7 CD? Thx.
        \_ I usually just get the netinstall cd image and install everything
           over the net, but I believe CD 1 has all of the core stuff.
        \_ CD1 works great either way, but if you have ethernet internet
           access, use http as your apt source rather than the cd.
2004/2/19 [Finance/Investment, Finance/Banking, Reference/RealEstate] UID:29825 Activity:kinda low
2/19    So I invested my life savings and took out a second mortgage
        on my house to buy EMRG, just like the motd told me to. Now
        my broker says he is doing something called a "margin
        call" and my wife wants a divorce. What should I do?
        \_ When there's something strange
           In your neighborhood
           Who ya gunna call?
        \_ that post for EMRG was when it was at $1.60, now it's
        at $2.80? learn to take profits.. or never get in after the
        runs
        \_ You, sir, are an asshat.
2004/2/10 [Finance/Banking] UID:12193 Activity:nil
2/10    Someone told me that Perkins Loan doesn't have any interest rate
        while you're in school. So it's a good insurance to have even if
        you don't need the money right away. At any rate, to apply for
        Perkins Loan, do you simply fill out FAFSA which then calculates
        the EFC which then determines how much money you receive?
2004/2/8-9 [Finance/Banking] UID:12165 Activity:nil
2/8     I'm a second year PhD students. I get funding as an RA ($1000 a month)
        but my living expense is much greater. My rent is $800/month, plus
                                \_ "PhD student".  Also, "books" below?
                                   What subject area?  Where are you living?
                                   A change in living arrangement could do it
                                   for you.  Get a roommate?  Those might be
                                   able to solve your problem without a loan
                                   and without taking more work on.
        utility, book, transportation, FOOD, etc etc. Everything just adds up.
        I'm starting to run low on my savings account and I'm wondering what
        other options I have. I missed the NSF deadline and I can't really
        count on scholarships. Can I take a low or no interest rate
        educational loan somewhere? Like Fannie Mae or Perkins or whatever?
        I've never taken a loan in my life and I don't know anything about it.
        Any pointer you can give me would be great. Thanks!
        \_ join the Cal Band and move into the band house. that will save
           rent money and food money.
           \_ wanna see him stick his flute in his pussy?
        \_ As you can see by the responses, you've come to the wrong place.
           Even UC Berkeley has counselors for its students. They are not great
           but they will be more helpful than asking on the Soda motd. Go get
           help. -- ulysses
        \_ TA'ing isn't *that* bad.  Ask around and find out which TA jobs
           have the best pay/work ratio.  Look into tutoring positions also.
           I knew a guy who was making 30k/year as a grad student from his
           TAing and tutoring plus his research stipend by the time he
           graduated.  Of course, he wasn't getting jack shit done for
           research, but he had a family to support, and he finished his
           PhD and got a good job anyway.
           \_ Plus, if you like the material and know it well, TAing can be a
              lot of fun.  Best job I ever had (aside from the pay).
              \_ It probably depends a lot on what kind of school you're at.
                 Most TA jobs I know of are mostly grading, which is not
                 particularly hard, but not exactly that exciting either.
                 \_ OP is talking about being able to *EAT*, not exciting
                    money making opportunities.
                    \_ If you're getting a graduate degree in a technical
                       field from an American university and you're seriously
                       too dumb to figure out how to feed yourself, why
                       not let evolution take its course?  Does the world
                       really need another PhD with no common sense?
                        \_ dude chill out. Everyone knows that PhDs are
                           really good at theoretical shit that no one really
                           cares about and they really suck at coding/sys
                           adm/installation/managing money and other things
                           in life. Show some pity for them, sheesh
                           \_ I *am* a PhD student.  I'm making enough
                              money from TAing to pay off my undergrad loans,
                              and have a very comfortable lifestyle.  It's
                              just not that hard.
                           \_ Heh. -- PhD student
                       \_ I agree with you in general but I'm just trying to
                          help OP since he's already breeding anyway.
        \_ talk to someone at your financial aid office. you may qualify
           for govt loans, private loans, or a combination.
        \_ Check out the sperm bank, easy couple hundred a month for not a
           lot of effort.
           \_ They'll just nail you later with paternity suits.
           \_ Don't do it.  You don't want to be screwing your own hot babe
              daughters when you're about to die very rich.
              \_ if you're about to die, what does rich and poor have to do
                 with anything?
                 \_ If you're about to die poor, you think you'll find hot
                    babes jumping onto your bed?
        \_ For the record, you want a Sallie Mae loan. Fannie Mae is for
           buying houses.
2004/2/3-4 [Finance/Banking, Computer/HW/Drives] UID:12083 Activity:nil
2/2     Can you guys see a problem with this?  An online company sells CDs, and
        they offer to give you a download of the CDs you bought in say 65kbit
        mp3, 128kbit mp3, 256kbit mp3 and FLAC.  That way you are saved the
        trouble of ripping the CD and getting the right ID3 tags, you also get
        to listen to the music immediately.  As a further extension, you could
        have them hold onto your physical CD for a while and only ship you discs
        every few months to save on shipping.  The 2 caveats I see are they have
        to only let the person who ordered download, and they can't sell CDs
        they don't physically have.  Would this avoid the RIAA/MP3.com fiasco?
        \_ Looks like you've been reading Robert X. Cringely's column. -williamc
           \_ If you're referring to that "collective ownership" idea, that's
              not what I had in mind.  I'm looking for a way to have a normal
              pay-to-download music scheme with multiple encodings/qualities and
              no DRM.
              \_ Any scheme that doesn't have DRM will instantly turn into
                 song-swapping.
                 \_ Bzzt.  Not everyone sucks.  Check http://magnatune.com.
                    \_ Thanks. neat site. -!op
                       \_ How does http://magnatune.com stop song-swapping?
                          \_ It doesn't.  It accepts it into its business
                             model.  If the riaa companies had done this back
                             when cassettes were their big issue, they wouldn't
                             be so far behind.
                 \_ All downloads would happen from a central server, and only
                    at the time of purchase, so there should be little risk of
                    password sharing or the like.
                    \_ that still doesn't stop me from sharing it on say, kazaa,
                       or whatever favorite p2p scheme i might have.
                       \_ There's nothing stopping you from doing it with CDs
                          you already own.  It's also legal for a company to
                          rip and encode CDs you own.  This combines the two.
                          \_ the law is a tricky thing. is it legal for them
                             to store copies of mp3s they rip and send them to
                             you? it would seem there could be a catch if they
                             didn't rip it from the cd you own. but it wouldn't
                             be a practical business if they had to hire someone
                             to open your cd and rip all the tracks off your cd.
                             then, there's the cost of warehousing a huge backlog
                             of unsent cd's.
        \_ The company would have to retain, store, and be able to prove that
           each person's physical CD collection existed in a warehouse some
           place.  Forever.  That alone is going to cost way too much to make
           it worth the effort.  I recall reading about someone with a similar
           idea a few years ago but I guess nothing came of it.  Is your
           startup prepared to be RIAA audited once a month?  Probably not.
           \_ If it kept immaculate records, then after the 3rd audit or so it
              could either sue or get a harassment reatraining order, or else
              refuse the audit, get sued, win because everything is well
              documented, then file a SLAPP suit or invoke the Sherman
              antitrust act.  I do agree it will be harassed and must keep
              excellent documentation.
              \_ Assuming the RIAA just didn't get a law passed against this,
                 you still have *huge* storage and IT costs.  Music just isn't
                 that expensive.  You have a one time sale but repeat costs on
                 each one time sale.  It is guaranteed to lose money in the
                 long term.  If your plan is to get a million users, own 10%
                 of your $6b space, IPO and walk away then oh wait, we don't
                 do that anymore, this isn't 1998.  Forget about it.  Come up
                 with a service people would be willing to pay for that you
                 could actually make a profit running.
                 \_ Here's a business model that might work: write good,
                    music, play it in a public concert hall and charge people
                    money to listen.
                    \_ that business model works for Dave Matthews, but not
                       for the vast majority of good bands.  -tom
                    \_ Little guys can't make money that way.  How does a big
                       guy get to be a big guy without a music publishing and
                       distribution system?  No one is going to put me in a
                       20,000 person stadium because I rock at the kazoo with
                       out at least 20,000 rabid *local* kazoo fans around.
                       \_ Your army awaits you, Captain Kazoo.
2004/1/16 [Finance/Banking, Finance] UID:11806 Activity:nil
1/15    Any tips on not getting your financial aid reduced (FAFSA app) due
        to your parents owning a home?
        \_ have yourself declared a ward of the state, join the military
           or go to jail. Otherwise you are out of luck. My wife, age 25,
           was still considered "dependent" on her parents when she went
           to medical school. And their home ownership did get her dinged
           for less financial aid.
           \_ She was considered dependent because she never supported
              herself (> 50%) not because her parents owned a house.
              That's her fault.
        \_ So you want to cheat the system and screw poor student out of their
           money while you rich fucks steal it from them?  Well, aint that just
           the same god damned story throughout the ages!  Fuck you white boy!
           \_ I am !=op but all I see are unclaimed $ for "disadvantaged"
              people and not enough for middle-class people just because
              they own a home it is automatically assumed they can pay for it
              or carry the debt-load for the next 5-10 years.
              \_ Take out a second mortgage!  That's what you're supposed to be
                 doing!  Not soaking the poor!  I put myself through school
                 with no loans.  I have no sympathy.
                 \_ not many people sleep around for tuition money
                    \_ I'm not pretty enough to get paid to fuck strangers.  I
                       worked my way through school and it wasn't that workfare
                       crap where students get overpaid for doing nothing on
                       campus.
2003/12/17 [Finance/Banking, Reference/Tax] UID:11502 Activity:nil
12/17   http://www.fuh2.com
2003/12/16-17 [Finance/Banking, Computer/HW/Drives] UID:29721 Activity:very high
12/16   Pusan Market on telegraph no longer sells K-pop CDs.  Any other place
        around Berkeley that sells K-pop CDs?
        \_ No, but do you know where I can get chacharoni noodles?
           \_ Doesn't Pusan Market have them?  Also, try the real thing at
              the noodle house next to Koryo Sushi on Telegraph.
              \_ I don't know.  I'm just a lazy white boy looking for instant
                 chacharoni.
        \_ What the hell are you TV magic queers talking about?
           \_ What the hell is a "TV magic queer?"
              \_ http://www.snpp.com/episodes/CABF14
                 \_ I missed that line in the episode.  Thanks.  Now I have
                    a new phrase of the day.
           \_ Best.  Motd.  Post.  Ever.
              \_ Much obliged.  But I still want to know what the hell they're
                 talking about.
                 \_ K-pop is Korean music.  There's a Korean grocery store on
                    telegraph that used to sell them, but they don't sell 'em
                    anymore.
2003/12/14-15 [Finance/Banking, Finance/Investment] UID:11453 Activity:low
12/14   What's the general uptake on the economy in California right now?
        Central/Western Europe was complete shit (nothing at all going on),
        and increasingly so until about this summer, then sometime in
        September/October things just started picking up (projects, jobs,
        etc.)  It was far more so than the usual fall/spring budgeting cycle,
        but rather, as if people just sort of collectively decided to be
        sick and tired of doom and gloom--how about the US?  -John
        \_ Nothing like it here.  I still have a number of friends either
           out of work or temp'ing it.  There's a few more job notices, but
           employers seem to be enjoying their scarcity.
           \_ seconded.
           \_ I know people hiring. Give me their names. -ausman
        \_ How bout other areas in the US?  It still seems that MS is hiring
           quite a bit.
        \_ Things are much better than 18 months ago. It will never be like
           1999 again.
           \_ never? that's bullshit.  the boomtime mentality is hardcoded
              into the human brain.  once people decide it's boomtime, all
              history is forgotten and everyone thinks they're going to get
              rich.  you think the late '90s were the first boom or the
              first bubble economy?  do you really think it'll be the last?
              \_ So my pedantic friend: when do you think the tech economy
                 is going to "recover" to its 1999 state? That is what the
                 original question was about.
              \_ Fine. I am sure there will be another Tulip Mania or
                 Internet Bubble again in human history. We will not
                 be around though.
                 \_ You're an idiot.
                    \_ Nice comeback. Did you take rhetoric?
                 \_ We'll be around, except the next boom will be something
                    else, either quantum, biotech, nanotech, or something
                    totally different. don't forget all the nontech booms that
                    we'll also see.
                    \_ biotech has already gone through several boom-bust
                       cycles.  regions that depend on natural resources
                       like mining go thruogh  boom bust cycles all the time.
                       I think my "you're an idiot" comment pretty much
                       sums up the above post.  it's just another one of those
                       fucking idiots who thinks the entire world starts
                       and stops with the software industry in the Bay area.
                       a bumper sticker from my home state (alaska) states
                       "please god, give us another boom, and this time we
                       promise not to piss it away."
                       \_ Sure there are little boomlets all over the world
                          all the time, but they are not the same as an
                          economic wide bubble, the way the US stock market
                          in 1929 or 1999 was. If you think the Dot Com boom
                          was something that was confined to the Bay Area,
                          then you are the provinicial fool, my friend.
                          \_ Japan in the late 80s is at least as big as
                             the recent US bubble.
                    \_ i have a quantum pc i can sell you.  it's in this
                       little box, but if you open the box, it breaks.
                \_ I recommend John K. Galbraith's A Short History of
                   Financial Euphoria. Though not his best book, it's a
                   short, thoroughly entertaining read.
                   \_ Galbraith is the best author I've never read.
        \_ Yea, some would argue there is a big housing bubble right now,
           so I guess there is a big boom in housing related jobs.  Lots
           of people I know recently went into real estate, housing
           appraisal, mortgage, etc.  There is also a big boom in China,
           and some say a big gold and commodity boom coming up soon.
           \_ Some would argue therefore it is true?  Nonsense.
              \_ You are right, a bubble is never a bubble until it bursts.
              \_ You revealed the code!  Howard Dean is posting on the motd!
           \_ http://realtytimes.com/rtcpages/20031208_homevalues.htm
              The housing market is doing what it should be doing. It is
              cool in the recently hot areas, including SF Bay Area.
2003/12/5 [Finance/Banking, Computer/SW/SpamAssassin] UID:11327 Activity:nil 50%like:11332
12/5    What is the point of the african banking spam?  It doesn't seem to
        be selling a product, it's not a chain letter, and it doesn't ask
        directly for money.  I don't get it.  I just got two more of these
        things this week.
        \_ They get you all excited about making big money, and then use that
           to entice you to either travel somewhere unsafe, or else front
           them money for a 'transfer fee' or 'investment tax'.  There have
           been cases where someone goes to Africa with a suitcase full of cash
           and a couple Rolexes and gets held for more ransom.
           \_ if i forward the letter to the FBI, will they do anything?
              \_ I think the FTC handles this, but they won't do anything
                 other than log it, unless you find out the scammer is in USA.
        \_ Pretty much what has been posted before, but from the Secret Serv.
           http://www.secretservice.gov/alert419.shtml
        \_ spanish prisoner?
2003/10/7-8 [Finance/Banking] UID:10506 Activity:moderate
10/7    Can I use Bill Pay (Yahoo, Etrade, BofA, WellsFargo, etc) to make
        payments to say, my landlord? Would they just mail a check? Or
        is it not possible?
        \_ yes. i've used bill pay to write a check to a friend, so should be
           entirely possible to write one to a landlord
        \_ sheesh why would you ask here instead of getting the real answer
           straight from these services' sites? gah.
           \_ the motd is the fount of advice. esp. political.
              \_ you confuse advice with editorial.
        \_ I pay my rent via BofA billpay. No problems. If a check gets
           lost they track it down, reissue, etc. Good success so far.
           The only caveat is that BofA takes the money out of your acct
           _when the check is issued_ not when it is cashed. This annoys me,
           but not so much I'd give it up. The whole service is pretty darn
           good.
        \_ banks earns interest, LOTS OF INTEREST in this manner. wonder if
           this is legal.
2003/9/30 [Finance/Banking, Computer/SW] UID:10383 Activity:nil
9/29    "The most difficult adjustment is for capital expenditures, which
        reflect spending to maintain and build property, plant and equipment.
        (For some companies, other items such as "Software development costs"
        or "Purchase of software licenses" would also be included in cap ex).
        These expenses are depreciated over many years, but since depreciation
        reflects cap ex in the past, it's not a cash cost today. Thus, it is
        added back on the cash flow statement under "Depreciation and
        amortization." (Depreciation is for tangible assets; amortization
        is for intangible assets such as goodwill.) But to balance adding
        back the non-cash cost of depreciation, you must subtract the real
        cash cost of cap ex, which appears under Investing Activities in the
        cash flow statement."
        (From: http://www.fool.com/news/foth/2000/foth001212.htm
        Can someone help me with the above?  Why is depreciation "added back"
        (positively) on to the cash flow?  I don't get the reasoning behind
        that.  Is it just a way to smooth out capital expenditures so that
        it doesn't go up and down too much from quarter to quarter?
        \_ Cash flow is real money out and in per quarter. The depreciation
           comes off the bottom line, because presumably depreciation reflects
           the fact that your once new equipment is now worth less used, but
           then you need to add it back to reflect actual money spent.
           Depreciation is the cost for goods already paid for. When you buy,
           say an apartment building, you don't have to write the total cost
           off against profits right away: you get to depreciate it over
           27.5 years. But the hit to cash flow occurs immediately, depending
           on financing of course, which also goes to cash flow. I hope this
           explanation makes sense. -ausman
           \_ Jim!  I didn't know you were such the capitalist!  I'm very
              impressed!
              \_ Nah, it's just that liberals tend to be smarter than
                 conservatives.
           \_ It's still counterintuitive to me, but thanks for the clari-
              fication.  Depreciation is not "real money in" but I guess
              that's why the article said one should take it out of the
              cash flow calculation.
              \_ It will become clearer as you work with some real figures.
                 Profit should reflect increase in business value, not just
                 the ability to shuffle some money around. Imagine you borrow
                 $1M at 0% interest in Q1. Your cash flow for that quarter
                 is +$1M. Next quarter you buy a building worth $1M. Your
                 cash flow is -$1M. But still no profit. Now you just let
                 it sit there empty and fall apart. That is your depreciation,
                 which by IRS rules would be $1M/27.5 a year. Your cash flow
                 is not changing, but there has to be some way to reflect the
                 fact that you are really losing money, because someday that
                 bank loan will have to be repaid and you will have only
                 a falling apart building to show for it. Of course, real life
                 is much more complicated, with interest, maintenance, rental
                 income, appreciation, etc. Email me if you want to look
                 at a more complicated example. -ausman
        \_ This is how the accountants and MBAs stay in business.
2003/9/20-21 [Finance/Banking] UID:10267 Activity:nil
9/20    How's it work in the US with life insurance--do you have separate
        work and private insurances like here (assuming you're employed)
        and count the private one as more of a savings plan?  Curious
        because of all the insurance-related stuff on the net wealth thread
        below.  -John
        \_ Using life insurance as a savings plan is a *really* bad way to
           'invest'.  You can *always* do better by just getting long term
           CD's and similar low yield but safe investments.
                \_ Sure, no argument there.  My point was just that here
                   (Switzerland) the whole 'savings' thing is sold as a major
                   side effect of having, well, life insurance.  Which is a
                   bit lame, seeing as how most plans run about 20-30 years,
                   and for the first 5-10, if you withdraw, you actually
                   end up paying penalties instead of getting anything back.
                   \_ It's sold the same way here but it's an equally bad
                      idea no matter what country you're in.
                      \- if you have no dependents, why do you have
                         life insurance?
                         \_ The way it works is you get a certain amount
                            (CHF 5k/year) that goes off your taxes, towards
                            your insurance for a certain amount (say 200k.)
                            For the first x years, you have a deficit, but
                            then you start to accrue principal and interest.
                            If you croak before the end of the time the
                            insurance runs, you get the full amount paid.
                            After you're done, you can withdraw the principal
                            plus interest.  It has a lot of disadvantages,
                            such as being very inflexible.  Basically, it's
                            considered as an add-on to your pension.  -John
                         \_ some policies are written in such a way that you
                            can withdraw money from them, in effect they become
                            an investment vehicle, although a very poor one.
                            \_ Is that the same as an annuity? Isn't that the
                               thing where they give a good return but are
                               betting that you die before getting the $?
                               \_ An annuity is just any annual income derived
                                  from investment.  The insurance above is
                                  called 'whole' life, as opposed to 'term'
                                  life (which is simply a monthly fee for
                                  insurance.)  [formatd]
                                  called 'whole' life, as opposed to 'term' life
                                  (which is simply a monthly fee for insurance.)
2003/9/17 [Finance/Banking, Recreation/Shopping, Computer/HW/Drives] UID:10221 Activity:nil
9/16    What's the deal with http://amazon.com?  These days, half of any given order
        arrives damaged (scuffs/black marks on the book, bent covers, mashed
        corners, etc.)  If I'd wanted my books pre-damaged, I'd have gone
        shopping at Barnes & Noble!
        \_ I've orders books and other stuff from them recently, never a
           problem. They will accept returns and satisfy the customer.
           \_ I had an excellent experience regarding this.  My book cover
              was bent, and they replaced it and paid for the shipping.
              \_ yeah, amazon is much better customer service wise than say,
                 http://half.com (where the 'half' stands for half-witted customer
                 service, half-witted buyers, and half-witted sellers; on
                 the other hand, ebayers seem much more responsible
                 on the whole.)
           \_ oh yeah, i forgot, amazon did ship me a 10,000 Maniacs
              CD with a damaged case(CD was fine), but they included
              a new CD-case and a note saying "we noticed damage and
              have included a new case". The "damage" was a scratch on
              the CD-case.
        \_ I've seen a version of their shrink-wrap packaging that
           bends up the corners of soft-covered books. A supid design.
           They gave me a $5 discount on a slightly damaged order.
2003/9/5 [Finance/Banking, Finance/Investment] UID:10085 Activity:high
9/5     http://www.economist.com/world/na/displayStory.cfm?story_id=2041155
        America's inequality is due to its rich people doing especially well
        compared to other countries' rich people.  It poor people is doing
        about the same as other countries' poor people.
        \_ You mean all those countries that don't even have a middle
           class, and where the poor have absolutely no mobility?
        \_ So to make this fair we should provide welfare for foreign rich
           people.
        \_ Bottom 80% of Americans only own 17% of the country's wealth.
           Hahaha! Poor bastards!
        \_ The rich are already doing so well, and we are still cutting
        \_ The rich are already doing so well, and they are still cutting
           their income tax and inheritance tax.
           \_ Leaving them more capital to create more jobs.
              \_ As Warren Buffett noted, giving more money to rich people
                 doesn't create more jobs--because rich people don't spend
                 as much of their money.  If you give money to people who
                 actually *need* it and will spend it, *that* will create
                 jobs.
                 And more fundamentally, the fact that our rich are doing
                 better than other countries, but our poor aren't, is
                 *exactly the problem*.  -tom
                 \_ Buffett is a moron, and apparently you are too.  If rich
                    people don't spend the money on consumer goods, they'll use
                    the money in a different way--investing it, etc.  Even
                    putting it in a bank account allows more loans to people who
           \_ Leaving them more capital to create more jobs.
                    don't have the capital to make large purchases out of
                    pocket.
                    \_ Nope, ultimately you need people to spend money.
                       Now ordinary Americans have too much debt already
                       and the interest rate is already very low.  You
                       want your average American to have even heavier
                       debts?
                       \_ You miss the part about loans to people who then
                          start small businesses which are the backbone of
                          the American economy?  Quoting Warren Buffet on
                          anything is akin to calling someone a Nazi in an
                          online debate.  It's pointless and demonstrates
                          lack of ability to think.  "He's rich so he must
                          know lots about macro economics!  Let's do whatever
                          this rich dude days because he's one of us!"  Uh huh.
                          \_ Quoting Warren Buffet is actually poignant in
                             this case.  Even Alan Greenspan acknowledges the
                             pure and simple fact that if you give the money
                             back to the consumer class, that it will have
                             more of an effect in the short term.  Giving
                             money to the investor class does nothing for the
                             short term, only potentially for the long term.
                             The investor class does nothing with the money
                             but hoard it and reinvest, that does not create
           their income tax and inheritance tax.
           \_ Leaving them more capital to create more jobs.
              other than "it makes me feel better to hurt someone else"?
                             jobs, that only creates wealth (which may create
                             jobs a ways down the road).  -mlee
              \_ Okay, by that argument if the government gave me a billion
                 dollars, I would automatically use it to hire a bunch of
                 Americans instead of blowing it on hookers, eightballs, and
                 multiple NASA space-tourism jaunts.  I say you give me the
                 money, and let's see what happens.
                 \_ Which would create more jobs for hookers, NASA workers, etc.
                    The money wouldn't simply disappear.  It gets put back into
                    the economy.
                    \_ Great, so pony up the cash, Daddy Warbucks.  Giving
                       me the money the rich would save in these tax cuts
                       would benefit the economy just as much as giving it
                       to them.
                       \_ Although it would create jobs for hookers, there are
                          more efficient ways of creating jobs.  You are not a
                          prime job creation engine for the economy.  Maybe in
                          another life you'll be Warren Buffet and people will
                          blindly quote you simply because you're rich.
                          \_ And any rich schmoe is a prime job creation
                             engine? Horsehockey.  Saying that we should give
                             tax breaks to the rich because they'll spend
                             the money and therefore employ people is not
                             only naive, it's perverse.
                          \_ There are "more efficient ways"?!?!  Yes, there
                             are, but going through gov't is guaranteed to not
                             be more efficient.
           \_ Dummy, by definition "the rich" are *always* doing well.  Is
              this so hard to comprehend?  The important part is *who* is
              rich, how did they get there, what are they doing to stay there,
              and how hard is it for someone else to get there?  Does raising
              taxes on "the rich" help the middle class or poor in any way
              other than "it makes me feel better to hurt someone else"?
              \_ The rich gain more from the promotion of a strong US
                 military, civil order, and national infrastructure than
                 do the poor, hence the rich should pay proportionately
                 more in taxes.  In addition, if the rich pay more in taxes,
                 the poor and middle class need not pay as much in taxes; if
                 this does not constitute help, I would like to know
                 what does.
                 \_ That's totally false. The rich actually use less gov't
                    resources than the poor, by far. If you are rich, you
                    can support yourself and don't require gov't intervention
                    in things like healthcare, housing, employment, childcare,
                    schooling, and sustenance. In contrast the poor drain
                    gov't resources like crazy. The poor also have bigger
                    families, and those families are gov't subsidized.
                    \_ You're missing the point:  the rich have more to lose
                       in the case of a weak military, civil disorder, and
                       a crumbling infrastructure (as business relies on
                       the infrastructure to make things run smoothly and
                       the rich depend on business).  They have more at
                       stake and therefore should pay more.
                      \_ Yeah why should I spend all that money on the
                         military to protect my total asset of $200
                         in the bank?  Since the top 1% has 50% of the
                         country's wealth, they should pay 50% of its
                         taxes.
                         \_ 1) they don't.  2) they already pay more than
                            their percent income.  3) if you've got $200 to
                            your name and minimal or no income you're a
                            deficit, not a plus for the economy.  you're taking
                            out waaaay more in infrastructure costs than you'll
                            ever put back in.  how does water get to your tap?
                            who paves your roads?  who pays the cop that stands
                            on the corner?  puts out your fires?  brings food
                            to your local market?  runs wires to your hovel?
                            you can't even begin to pay for what you're sucking
                            from the tax payers in this country past, present,
                            and future.  you're a net loss.
                            \_ Where did you get the idea about "minimal or no
                               income"?  I am in the top 19% who thinks they
                               are in the top 1%.  In anycase, it's just to
                               illustrate a point.
                            \_ Check the tax tables: you're paying a max of
                               38%, and if you're that rich and can't afford
                               a tax-deductible accountant to steer you
                               through the loopholes, I have a bridge in
                               New York I think you might be interested in
                               buying.
              \_ Why yes, it does. Raising taxes on the rich allows more
                 spending on things like education, child care, and
                 health care that increase the standard of living of
                 the middle class and increase productivity for the
                 entire economy. Why do you think that European productivity
                 has been growing faster than American for over a generation?
                 If you look at stats for the middle 50%, you can see
                 that wages in America have stagnated for the average
                 worker, while they have gone up almost everywhere else.
                 Americans are working longer hours and seeing less
                 for it, while the opposite is true in the other
                 industrialized nations.
                 \_ Ask the typical out of work German or Frenchman how much
                    they enjoy the 2:1 taxpayer/leech ratio in their countries.
                    In a generation, it'll be 1:1 in several EU nations.  It
                    isn't sustainable.  The EU nations have sold their future
                    to their past.
2003/9/4 [Finance/Banking] UID:10073 Activity:kinda low
9/4     i heard something i think is false, but i wonder if someone here can
        confirm or deny it.  someone claimed that if you call the agency that
        services your student loan and offer to pay off the whole thing in
        one shot they'll make a deal with you to decrease the amount by more
        than just the interest.  has anyone seen this happen? i'm guessing
        whoever thought they were getting a discount just failed to understand
        the concept of interest, since this seems like very very odd behavior
        for a loan agency.  what's the deal here?  I'm about to pay off my loans
        and i want to get the best deal possible.
        \_ I've a possible explanation.  Perhaps they realize that they
           can loan your returned money out to someone else for more than
           enough to make up for your discount.  Perhaps some hapless fool
           with an 18% credit card debt.  And perhaps they have already
           received the federal subsidy for giving you your loan.  Therefore,
           it's an unadulterated win for them to have your money back.  --PM
           \_ ok, i hadn't thought of it that way.  i'll call them up and
              try to bargain.  thanks.
        \_ If you have one of those 5% loans, they are loaning you money
           way below market rates, so they would want to have it back.
           If it is a 8 or 10% loan you are probably sol.
        \_ I just looked into this.  If you have a Direct Loan
           (800.848.0979) forget it, they said because it's federal money
           they don't do "settlement offers".  Most likely your friend had
           a loan with a private company or he defaulted.  The only thing
           you can do with a Direct Loan is if you pay it off within the
           first 103 days they will waive the interest and origination fees.
2003/7/16-17 [Finance/Banking, Reference/Tax] UID:29052 Activity:high
7/15    Is there a reason to keep pay stubs?
        \_ Double-check your deductions.  I've been shafted a few times when
           the company has either 1) deducted the monthly medical payment on
           both bi-weekly paychecks, and 2) failed to deduct the payment at all.
        \_ if your company goes under and you dont get a W2 at the end of the
           year for taxes, you'll need the pay stubs for proof of income and
           withholding...
        \_ You need pay stubs when you apply for a mortgage loan.  --- yuen
           \_ You just need the most recent one. I never save them. I just
              verify that the latest matches the previous and toss the
              previous one.
              \_ I just applied for a loan last month and my agent asked for
                 three months' worth of pay stubs among other things.  --- yuen
                 \_ I guess YMMV. I didn't even have to supply a single one.
                    They just called my employer.
                    \_ 3 month's worth is standard.  they called your employer
                       because you didn't have 3 mothn's worth.  get it?
2003/6/18-19 [Finance/Banking, Finance/Investment] UID:28761 Activity:insanely high
6/18    three years ago it was a stock bubble.  now it's a property value
        bubble.  the day of reckoning will come.
        \_ Bubble does not mean what you think it means.
           \_ Bubble Bobble rocks!
              \_ But Bubble Sort sucks.
                 \_ It's as simple as something that nobody knows.
           \_ I don't think the phrase "does not mean what you think
              it means" means what you think it means.
              \_ Bubble does not mean "slightly inflated." Do you think
                 that housing prices are going to drop 90%? You are
                 a moron if you do.
                 \_ japan... late 80's... mumble mumble...
                    \_ yes, that was a bubble. Tokyo land prices fell by
                       80-90%. Do you think that is going to happen to
                       land prices in the US? In California? In San
                       Francisco? I do not.
                       \_ It doesn't have to pop that much. A drop of 20%
                          would be pretty catastrophic.
                          \_ Yeah that would suck.  I'd be back to only about
                             $20k above what I paid 3 years ago....
                             \_ As an economy it's disasterous. What happens
                                you personally is less important.
                                \_ To *me* there's nothing more important. the
                                   same is true of every other individual.  it
                                   is nice that there's at least one person out
                                   there who cares more about this ephemeral
                                   thing known as "the economy" more than his
                                   own situation.  I'm glad to know you.
                                   \_ I'd rather have an okay job in a good
                                      economy than slightly better one in a
                                      poor economy. Less chance of my job being
                                      cut, better chance of upgrading it.
                          \_ Okay, I'll bite. Why would it be catastrophic?
                             This happened in 1991 in California and it
                             wasn't exactly the end of the world.
                             \_ It just would be.  It's the motd.  You expect
                                him to back up his statements?
                             \_ The state is $38B in debt. Your city is cutting
                                services. Another 20% drop in prop taxes, more
                                services get cut. More fees go up, more taxes,
                                jobs leave overtaxed CA, you're stuck with a
                                suddenly overpriced house with no job.
                 \_ bubble is as bubble does.
        \_ keep dreaming, renter.
        \_ If it pops I'll still own a house and you will still be
           renting.
           \_ No, you'd be paying for a house that's worth less than your
              loan. Negative equity. A Bad Thing.
              \_ Short term effect.  God is making more people.  He isn't
                 making more land.  In the long term no one has ever lost
                 money on real estate.  In the mean time you're paying a
                 land lord and owning nothing.  Even if the home price drops
                 a few percent below the buying price it is still financially
                 more sound than paying rent.
                 \_ Is God making more high paying jobs too? If you lose
                    your job at the same time your house drops a few percent,
                    you may end up in a bad spot. That said, I'm all for
                    buying a house if you can afford it. Just know the risks.
                    As in most things in life, it is not a sure deal.
                    \_ Anytime you lose your job you'll be in a bad spot. Will
                       your landlord stop asking for rent? At least with a
                       house there is a chance that you'll have equity and
                       maybe even own the place outright.
                    \_ Since my mortgage money has been going into a loan and
                       unlike a renter I actually *own* some part of the place
                       I live I have the option of drawing down against the
                       house so I won't be on the streets when times get hard.
                       As a renter with no job, I've got a pillow, an old
                       blanket and some rent receipts to get me through the
                       tough times.  How does being a jobless and homeless
                       ex-renter sound compared to jobless home owner?
                       \_ More money saved up and able to move someplace where
                          there are more jobs without worrying about selling
                          my house. Portability is part of the appeal.
2003/6/13 [Finance/Banking, Computer/HW/Drives] UID:28723 Activity:nil
6/12    Extreme CDs: http://www.powerlabs.org/cdexplode.htm
2003/6/8-9 [Finance/Banking, Consumer/Audio, Computer/HW/Drives] UID:28670 Activity:kinda low
6/8     recommendations for settings to use for cdrecord
        in unix/linux to make cds that will play in one of those
        cheap mp3/cd players?  I tried burning at 4x and
        getting rid of spaces and joliet extensions.
        \_ 4x?  If you were serious you'd burn at 1x.
        \_ many of those cheap mp3/cd won't do above 128k bps, or VBR
2003/5/30-31 [Finance/Banking] UID:28579 Activity:low
5/30    I can't find home equity line papers, but normally, what happens to the
        loan if I sell my house?  Is the full balance due immediately?  I have
        the loan with CalFed, which is Citibanks now, for about 1 year.  I
        don't want to talk to the bank's loan officer without being slightly
        armed with knowledge about the subject.
        \_ Call your real estate agent.
        \_ Generally, yes, it is due.  They should have a copy of your loan
           papers.  Call and ask them to send them to you.
2003/5/5-6 [Finance/Banking] UID:28336 Activity:high
5/5     Anyone here gotten a loan through E*Trade Bank or similar? Would you
        recommend it? --dim
        \_ No but my loan officier has been able to always offer me a rate
           lower than both what E*Trade and Eloan offer.
           \_ Which bank or mortgage company? Mine can't beat it. I asked.
              \_ ComUnity Lending then it was resold to countrywide.
        \_ I did Eloan.  They were extremely unprofessional and tried to
           screw me in small ways.  The rate was good though.
           \_ screw you how?  just by being incompetent and slow or by really
              trying to screw you in a malicious way?
              \_ the most galling: eloan wanted me to pay my property tax
                 monthly into an escrow account at some pathetic interest
                 rate.  this requirement was not disclosed to me at all.  i
                 only found out by reading the loan papers on the day i was
                 supposed to sign.  another example.  eloan advertises no
                 fees on the loans, but they force you to use their absurdly
                 expensive appraisal service.
2003/5/3 [Finance/Banking, Recreation/Dating] UID:28318 Activity:high
5/3     http://csua.org/u/e38
        Cute chubby filipino girl.
        \_ 32 years old = cute filipina woman.  Interesting NYT article, too.
2003/4/21 [Reference/RealEstate, Finance/Banking, Computer/HW/Drives] UID:28177 Activity:high
4/20    I just got a "buy 4 CDs or else we bill you" notice from
        Columbia House. (I signed up in '96).  I'm tempted to respond
        saying they'd never expressed a time limit anywhere in the
        membership agreement (moreover, the ad I used to sign up
        mentions a "No-Time-Limit Membership"), but I have this
        paranoid suspicion that these letters are some columbia house
        manager's clever scheme to grift some immediate cash, and
        might save both me and customer support time if I continue to
        ignore their mailings.  Can they really cash me in now?
        I imagine almost everyone has had some experience w/
        shady CD club.
        \_ Yes, as part of the the Patriot Act.  Regime Change at Home,
           End Racism.
           \_ Hey that was a useful reply.  Not only did you complete ignore
              a decent question and turn it into some idiotic political screed
              but your rant was poorly executed and mindless.
                \_ Are you saying you expect better in the motd?
                   \_ Are you saying only white people can ride fast
                      motorcycles?
2003/3/3 [Finance/Banking, Politics/Domestic, Finance/Investment] UID:27585 Activity:kinda low
3/2     Anybody here buy/sell US treasury bills, notes, etc?  I'm wondering
        whether I should buy the auctions from etrade or directly through
        the US treasury.  Treasury direct has a website and online management.
        Any positive/negative experiences with either etrade or treasury
        direct?  Thanks.
        \_ What's the advantage of buying treasury bills as opposed to just
           savings bonds?
           \_ Treasury bills are federal saving bonds, actually. The advantage
              is that T-bills have a much larger market (international,
              especially places like Japan, Taiwan, China, Hong Kong).  So the
              prices are almost impossible to manipulate.  Thus you don't have
              to pay state tax.
          \_ the biggest difference between bills, notes, and bonds vs
             savings bonds is that it's marketable.  You can easily buy/sell
             them before maturity in an open market.  Can't do that with
             savings bonds.
2003/2/9-10 [Finance/Banking, Computer/HW/Drives] UID:27353 Activity:insanely high
2/8     Poll: How old are you and what kind of music do you listen to
        nowadays?
        \_ 22. You guys bitching
        \_ 26, '80s punk and metal
        \_ 29.  SHAKIRA.
        \_ 29 - Back street boys
        \_ 22 Nirvana (RIP), Nas, Neil Young, Weezer
        \_ 32.  Conservative talk radio because I don't have time to worry
           about music anymore.  I see 2 of you are *soooo* close to joining
           me.
           \_ the next guy on a skateboard to spit on your windshield
              could well be me.
              \_ Unlikely.  I don't drive in the slums.
                 \_ Slums, you mean the Berkeley Hills?
           \_ who, the Shakira and BSB boys?
              \_ No, the ones listening to 80s music.
        \_ 24. Gypsy Gings, Alabina, Classic Rock, Latin Rock.
        \_ 31. Rush, Van Halen, Tool, various 80's bands
        \_ 33. NPR, TripleJ (Aussie radio), 80s and 90s punk.  32, you'll
           probably be joining me in a little while.
        \_ 35. Most recently purchased CDs: Alice charity CD,
           last two Hives albums, Strokes CD album and EP,
           and a couple Ventures CDs. Might get weezer and/or sum41 next,
           but I'm looking to convert my LPs and cassettes to MP3 on
           and a couple Ventures CDs. Might get weezer eminem and/or sum41
           60s/70s/80s albums that I need to listen to.
           next, but I'm looking to convert my LPs and cassettes to MP3 on
           this PowerBook G4. Got lots of Fleetwood Mac/Bob Dylan and other
           60s/70s/80s albums that I need to convert and listen to.
           I still listen to Bad Religion and old MoTown hits.
        \_ 30. Jazz and Rock (mostly older stuff)
2003/1/31 [Finance/Banking] UID:27259 Activity:nil
1/31    http://www.nytimes.com/2003/01/31/business/31SAVE.html
        \_ [summary of deleted dicussion: this is bad...so what...you're stupid
        ...you're stupider...strawman [repeatx3]...bicker, bicker, whine]
2003/1/31 [Finance/Banking, Reference/RealEstate] UID:27258 Activity:insanely high 50%like:26400
1/31    motd poll: when i consider all of my debts, including student
        loan, credit card, and mortgage, and all of my assets, i am
        in the black: .....
        in the red: ...
        debt?  What's debt?: ...
        living with my parents: ..
        living with yermom: .
        my parents/in-laws living with me:
        \_ For those with a house, being in the red is normal for the
           first decade or so.
           \_ Don't forget, the house is an asset.
                \_ but all that intrest isn't
                   \_ (Value of house - mortgage) is usually a positive number.
                      The quickest way to get in the black is to buy a house.
                      It is not normal at all to be in the red for a decade
                      after buying a house. --dim
                   \_ Neither is rent.  Shelter isn't free.
        \_ Folks, you don't count a mortgage or student loans as the same kind
           of debt as your CCs.  CC's and other crap are 'consumer debt' which
           is money you wasted on junk to live the american lifestyle.  Debt
           from a mortgage or student loans is a valuable investment in your
           future.  I have zero student debt, zero consumer debt and over $300k
           of mortgage debt.  I am way in the black.  If I had no mortgage but
           $20k of CC debt I'd be fucked.
2003/1/28-29 [Finance/Banking, Reference/BayArea] UID:27226 Activity:high
1/28    Recommendations for credit unions for a Berkeley resident or
        someone who works in SF?  Patelco is almost worse than a commercial
        bank.
        \_ I comparison shopped CalState9 and USE and chose CalState9. I
           would recommend them based on my experience but YMMV.
        \_ Try BofA, and you'll gladly switch to Patelco. No complaints
           after being with Patelco since '88 for basic services.
           \_ I get charged for using COOP ATMs so I can only use Patelco ATMs.
              ATM use at the store with cashback also incurs a $0.90 charge.
              Also, I can't use the ATM at CalState9 at Shattuck Square.
           \_ BTW, what are the advantages of using credit unions? I was using
              the one that has an office on lower Sproul when I was a student.
              I always hated that they had nearly no ATMs.
              \_ I have CCFCU.  I haven't been charged a single fee since 1998.
                 Also, the deal with ATMs is that you use ATMs of the credit
                 union network, in addition to the ones provided by your
                 own credit union.  They even reversed some finance charges
                 on my credit card for me.  I used to have BofA but then I
                 got sick of them charging monthly fees,  selling my name to
                 telemarketers, and generally looking for ways to make money
                 off of me.  I can at least trust that my credit union is
                 looking out for my interests and not some random shareholders.
                                                                -jeffwong
                 \_ I agree.  I hate BofA, Bank One, etc.  They may be
                    ok if you are rich and likes to put big chucks of
                    dough in your checking account, but they are
                    definitely not for people like me.
            \_ I get better CD rates at Patelco than anywhere else.
        \_ Banks are evil under any name.  Use pillow.
           \_ Thanks for the sarcasm but why should I keep my money with
              someone who wants to take as much of it as possible?
              On top of that their rates suck and my fees will be used by
              them to build more branches and buy ad space.
              I've banked with a bank before and I got tired of having to
              watch my back all time.
2003/1/16 [Finance/Banking, Finance/CC] UID:27118 Activity:kinda low
1/15    What rates are you getting on credit cards?  Student loans?
        \_ student loan 0% interest.  -gradstudent
        \_ Rates?  I only use no fee cards and pay off every month.  No idea
           what my rates are.  Total consumer debt?  Zippo.
           \_ at some point, mom is going to kick you out of the house.
              \_ I haven't taken any money from my parents in 15 years, but
                 I'm glad to see you're so concerned about my housing
                 situation.  Consumer debt is completely optional, kiddo.
                 You don't *need* a new DVD player.  There's absolutely no
                 reason to carry consumer debt from one month to the next.
2003/1/10-11 [Finance/Banking, Politics/Foreign/MiddleEast/Israel] UID:27057 Activity:insanely high 50%like:27058
1/10    http://www.cbsnews.com/stories/2003/01/08/60II/main535732.shtml
        Bush economy hits home
        \_ Wow. You frickin' win! Congratulation for the most effective troll
           I've seen in months. I want to say there was some luck involved but
           that would deny your skill in saying so little. Again, bravo!
           \_ Especially with the real link above which actually talks about
              the economy for real but isn't full of the typical invented "I
              had a deadline" pseudo-journalism sob story fluff pieces.  But I
              guess reading about the real economy is hard.
        \_ One wonders why someone with a hourly income of $7.50 needs
           four kids. Most of the other sob stories chronicled in this
           article are equally lame. What these people need is a lesson
           in simple financial planning rather than a handout.
             \_ You are a moron.  The kids came before the layoffs and
                the rotten economy.  Savings last only so long.  This is
                a bind that you could find yourself in.... Or have you
                got enough money to keep you fed, clothed, and housed
                for the rest of your life?  Even if your stocks go fubar?
                If you do, then you're rich compared to the rest of us
                poor shmucks, and you should shut the fuck up, life's always
                easy for the rich.
                \_ I assume you're not rich so how the hell would you know?
                \_ So these people never though about how they are going
                   care for four kids if they lose their jobs? They just
                   assumed that they will be working for life? That is
                   just plain stupid.
                   As far as I'm concerned, I've planned for the case in
                   which I am no longer employeed. For this reason, not
                   all of my assets are tied up in stockes. I also lead
                   a very limited life such that I can survive for years
                   without income.
                   \_ Unless you lose your job and and someone you loves
                      gets sick and you can't pay.
                      \_ And if that happens to me you'll take care of me?
                         That's *really* nice of you!  Thanks!
                         \_ Yes I would.
           \_ Then come up with some way to fund this kind of education.
              Not everyone had parents who would pay for college.
              \_ My parents paid nothing but their income and home counted so
                 I got zero financial aid of *any* sort but I still made it
                 through Cal and I'm now one of those evil top 2%'ers. I have
                 no sympathy for the intentionally stupid slackers.
                 \_ what's the requirement to be a top 2%er?
                    \_ $350k+/year.
              \_ A basic hs edu. should cover this. If it doesn't then my
                 money is being misspent. My parents didn't pay for my
                 college edu. They couldn't afford it. I paid my own
                 way by working summer internships and getting scholarships.
             \_ What is all this bullshit?  I see lots of college grads
                going bankrupt, lots of companies run by MBAs going bankrupt,
                people of all levels of education taking on too much debt,
                etc.  Government bailing out rich people by bailing
                out corporations.
           \_ One wonders why we send money to israel too.  At least
              those min wage earners earn money in our economy.
              - Altho i'm in favour of manditory norplant for welfare
                recipients
              \_ dude, really, you're just over smashing the hot buttons.
                 if you teased it out a bit more and were a bit more subtle
                 you'd get the fevered response you're looking for.
              \_ You know we spend more money protecting South Korea but I
                 don't see any of you Jew haters ever mentioning that fact.
                 \_ In SK we are protecting a vital national interest (h07
                    4zn ch1x!) from the commies.
                    \_ And they can't be hot if they come from a commie
                       country?  I've met plenty of hotties from Red China.
                        \_ Have you meet NK ch1x? They have bad teeth.
                           Same with most of the Mainland ch1x. SK, HK
                           and Japanese ch1x don't suffer from this.
                           \_ NK ch1x are too skinny also. Deathly thin.
                              \_ Yeah no shit.  Because it's a socialist
                                 country.  Just find and feed one.
                        \_ I hate this shit, someone deleted my message cuz
                           he doesn't agree with me.  Fuck you, whoever
                           did that
                           \_ Did you use motdedit?
                                \_ yup, I did, that is why I was pissed.

                    \_ Why don't you stupid Ruskies, Chinks, Yankees and
                       Japs just leave us alone.  We could care less about
                       your stupid fights for world domination.  Just go
                       home.  We don't want any of you.
              \_ The Jewish lobby.
                 \_ troll, go away.
              \_ What does this have to do with Israel? If you are implying
                 that we should take the money spent on Israel and give it
                 to the poor, you are extremely naive. This money would not
                 solve the poor problem (as demonstrated the new deal and
                 the war on poverty). In fact it would probably make things
                 even worse for the poor people since the fall of Israel
                 into Arab hands would have huge economic repercussions.
                 \_ disagree.  Israel is defiant to its stands mainly
                    because we dump 3 billions per year to them.  If
                    we stop funding them, then, they would for the
                    first time realize the true cost of sucide bombing.
                    By realize the actual cost of the war, there is a
                    much better chance for Israels to withdraw from the
                    west-bank and other occupied territory.
                    \_ Idiot.  You can't negotiate with people who want you
                       dead.  There isn't always a diplomatic solution.  The
                       Arab version of peace doesn't include an Israel.  How
                       incredibly naive but nicely utopian your universe is.
                        \_ There was a time when Arab nations were democratic
                           and reasonable, but we all (Americans and
                           Europeans) betrayed them and choose the Zionist
                           whose tatic were not much different from what
                           PLO today.  Remember, THEY are the one who lived
                           there for the past 2000 years, not Jews. and
                           talking about visions, The land which God
                           promise the Jews were a lot bigger than what
                           Israel is today.  Jewish's version of peace
                           is essentially whipe Jordan and Syria, and
                           good part of Egypt off the map.  Is that sound
                           any more reasonable?
                           \_ Come back when you stop rewriting history.  There
                              have been Jews there for more than 2000 years.
                              And no, blowing up some British military HQ and
                              similar structures is not at all the same as
                              sending your own children into pizza parlors and
                              malls to blow themselves and numerous civilians
                              to bits.  Not at all the same.  You are
                              completely wrong about the Israeli idea of peace.
                              If they really wanted to wipe out Jordan, Syria
                              and Egypt, they could have and would have before
                              now.  In fact, (sorry I know facts bother you
                              and get in your way but here another) the only
                              reason Jordan still *exists* is because Israel
                              told Syria that Israel would invade Syria if
                              Syria carried out their plans to invade Jordan.
                              You're either a liar or an idiot or both. I don't
                              care which but I won't let your ignorance and
                              racist spread unchecked.
                    \_ Israel's GDP is around $100bln/year. I am sure they
                       would tinghten their belts and make it even if the US
                       stopped the economic and military aid, IMHO.
                \_ are you sure?  Israel's economy seems pretty fucked
                   right now, and the fact that the entire Palestinian
                   economy is crippled beyond belief and they have no
                   hope isn't making them very happy.
                   \_ Without Israel what little stability there is in
                      the middle east would disappear. Most of these
                      arabs hate each other almost as much as they hate
                      Israel. One conflict is easier to deal with than
                      the dozen or so that would be present without
                      Israel. These little conflicts would cause extensive
                      damage to the entire petrochemical industry (if
                      you think that gas is expensive now, think about
                      when gas is 10x the cost it is today and the cost
                      of plastics skyrockets.)
           \_ One wonders why anyone with more money NEEDS four kids either.
              To help them spend it?
                \_ I'm not sure why anyone needs four kids, but if someone
                   wants that many they should be prepared to take care of
                   them without resorting to gov. help (why should I be
                   financially responsibly for someone else's kids?)
                   \_ Like the Monty Python boys said, "every sperm is sacred!"
                      And I agree with MP these people should just sell them
                      off to science.  Seriously, if they can't afford to take
                      care of their own kids, the local child welfare social
                      worker types will put them in foster care and that'll be
                      that.  "I have too many kids to feed!" is not a good
                      reason to give the parent handouts.
                      \_ I bet you who complain about taxes being high too.
                         Do you see any sort of cause-effect here? Who pays
                         the extra money to the foster family and for the
                         paperwork to track the child? D'oh!
                         \_ Of course my taxes are too high.  I have no problem
                            with government run orphanages or foster care and
                            the paperwork involved.  I have a problem with the
                            government creating multi generational dependency
                            and breaking the family structure.  And it's twice
                            as fucked up that they use my money to do it.
                            \_ And separating kids from parents is family
                               values?
        \_ You know what I hate? Whiny rich people who complain about their
           taxes and corporations who don't pay their share. Because they show
           no compassion, the government has to step in and do the right thing
           (which may or may not be the correct thing). That's why small
           government never works. The smallest you can get is a monarchy and
           an army/police force to control the masses.
           \_ The government doesn't tax to "do the right thing".  You're being
              ridiculous and conspiratorial.  Grow up and stop reading Catcher
              in the Rye.
              \_ Democracies do. Whether or not you agree that it's the "right
                 thing" does depend.
                 \_ There's nothing magical about a Democracy that makes it
                    morally better than any other form of government.  It's
                    nothing but mob rule.  And this nor any other country on
                    the planet is a democracy anyway.
                    \_ Yes, we've all had HS Gov. It's a repulbic. Don't you
                       feel much better now?
        \_ I like the idea of competition.  I like the results of healthy
           market competition.  That having been said, why can we not agree
           to guarantee basic food, shelter, and (mostly preventitive)
           medicine to all Americans and then require said Americans to
           work hard if they want more?
           \_ So you want to destroy the food, housing, and medical segments
              of the economy?  How about the "tech gap"?  Shouldn't we provide
              a basic palm-like device and a home computer and at least 256k
              DSL to everyone, too?  How about transport?  Don't you know the
              poorest of the poor can't even afford the city bus?  Let's make
              sure everyone has at least a low end basic car.  Where does it
              stop?
           \_ Because it would cost money. Which means taxes. Which means more
              whiny rich people and corporations pleading poverty and how life
              is "soooooo unfair?" See the above reply? Typical crap from
              someone who thinks not being hungry will lead to society collaspe.
              \_ Thanks for mis-stating everything I said and ignoring every
                 single thing I had to say and simply repeating your agenda
                 driven mantra about "whiny rich people".  You've really added
                 a whole lot to this thread with all the cut n paste replies.
                 \_ So having families stand in line for food is really the
                    American dream? Wow. Who'd have thunk? My problem is that
                    you've jumped from the idea of feeding and providing basic
                    healthcare to the poor to slacker heaven. Sheesh. Whiner.
           \_ Wow!  I can have the necesseties of life without working!  You
              guys can foot the bill, losers!  I'm kicking back.
              \_ Hmm, actually this sounds really good when you put it that way
                 and all these years I've been voting I never considered I
                 could just vote myself a life free of all real concerns. I'm
                 going to start voting Democrat.  It works like that, right?
              \_ Oops you guys missed the word "work" there.
                 \_ Nope.  It only says if I want more.  Since so few people
                    will be working I won't have to work very hard if I want
                    more.  You do realise that most people work very hard and
                    only get basic food, shelter, and medical care?  So making
                    those free (from other people's money) means the vast
                    majority of Americans could live the exact same life they
                    have now (under this 'plan') and not work at all. In fact,
                    since it is now a magical guarantee, their lives would
                    actually be much better.  Oh!  To live in Utopia!
                    \_ Actually it's called France, Sweden, Norway, Germany,
                       Denmark, Canada...
                       \_ *laugh*  Maybe you missed the links the other day
                          (for Germany) or several of these others in the past
                          on how their economies are so fucked they make ours
                          look 1999 vibrant?
                          \_ Are they starving their working poor too? Ah.
                             Doesn't this count as one of those human rights
                             violations the US keeps harping about?
2002/12/23-24 [Finance/Banking, Transportation/Car, Computer/HW/Drives] UID:26893 Activity:insanely high
12/23   What's the best way to destroy CDRs?  The best practical way?
        \_ Sissors.
        \_ Toss it out the window while driving along on the freeway.
           There's no way any one will look there.
                \_ The feds can and will stop traffic to recover
                   the cds. Best way is the next post if you are
                   currently being watched. If not go for either
                   the commerical grinders or scissors. BTW, the
                   best soln. to the problem of destroying cdrs
                   is to encrypt the cdrs and keep the private
                   key on easy to destroy magnetic media (or
                   equivalent). If the feds come for you just
                   trash the private key (make sure its suitably
                   long that they can't brute force it within
                   what most judges would consider required for
                \_ Depends on how small the pieces are and whether
                   all of the pieces that contain the info you want
                   are available. A good practice is to cut the cds
                   into several (8 or so) pieces and to stick some
                   a "speedy trial"). This way, they will never
                   be able to recover the data, and without the
                   data there can be no conviction.
        \_ Steel trash can, well-ventilated area, lighter fluid.
        \_ the coating with the data is some kind of polymer.  find the
           right solvent, and dissolve it.
                \_ HCl ought to do the trick
           \_ these two solutions almsot certainly have environmental
              and health consequences.  -tom
                \_ kill the elves! - sarumon
              \_ bah! environment, health... you liberal treehugger!
        \_ Last time I checked, the polymer contains Cyanide, not something
           you really want to dissolve and allow the fluid go anywhere, no
           do you really want to burn it and inhale the gas.
        \_ Scissors. [spelling corrected --motd spelling nazi]
           \_ you can still extract data from cut CDs right?
                \_ Depends on how small the pieces are and the number
                   of the pieces that are required to reassemble
                   incriminating info. A good practice is to cut the
                   cds into several (8 or so) pieces and to stick some
                   of the pieces in the trash, then in recycle and
                   then ditch some at work and others at the mall.
                   This makes it really hard for anyone to get at
                   the data while making it pretty easy for you to
                   dispose of it. Note that this strategy isn't
                   going to work against the feds.
                        \_ why? because they search all those places
                           or something?
                           \_ the OP could be under suveillance *right*
                              *now* with the feds pouncing on every ounce
                              of waste he produces, whether at work, at
                              home, mid-car drive, or anywhere else.
        \_ Sander.
        \_ Microwave.
                \_ Note this can option can have adverse health
                   consequences.
        \_ place upside down on parking lot, pirouette.
        \_ paint the cover with AOL logo.
        \_ There are commercial grinders available that will batch-destroy
           a large set of CDs reliably.
           \- is this is same person involved in the post-browse cleanup?
              are you involved in child p0rn or something? --psb
              \_ completely new OP
2002/11/28 [Finance/Banking, Computer/HW/Drives] UID:26661 Activity:nil
11/28   Does anyone use http://BMGMusicService.com for music?  I've noticed more
        than once that they advertise a deal (e.g., "Buy 1, Get 3 free")
        but when I actually put the 3rd free CD in my cart it comes up
        as a charged item.  Is this simple incompetence or something more
        devious?
        \_ Because the RIAA is so techie smart this must be a devious plot!
2002/11/24 [Finance/Banking, Recreation/Dating] UID:26615 Activity:moderate
11/23   Given that the world is going to end in 2012, do you think it best
        that I refinance my home loan for the short term and pay it off
        before or go 30 years and pull out cash?
        \_ I think it best that you give me your money and I get laid.
        \_ If you're really sure, you ought to be giving away all your money
           to the poor and doing good works, so you can be caught up in the
           Rapture.  Not to mention seriously studying the Bible.  Good works
           alone without faith won't get you into heaven.
           \_ Rapture?  No, it's a Mayan prediction based on their calendar
              and understanding of the 5 cycles of the universe.  What the
              hell does the rapture have to do with anything?  The bible never
              predicts a date for it.  RTFB.
        \_ no, it's April 21, 2041.
           \_ says who?
              \_ says whoever posted that. duh.
2002/10/3-4 [Finance/Banking] UID:26092 Activity:high
10/3    Do B of A mortgages have prepayment penalty?  I can't find that info
        on the web site.  The phone says estimate hold time is >30min.  Their
        rates seems much lower than E-LOAN.  Thanks.
        \_ Probably not.  I don't think anyone in CA has a pre-payment penalty
           loan anymore.  They *might* but that's the sort of thing you'd see
           in the loan paperwork.
           \_ Oh yes they do. It's usually in the form of a clause which
              says that the loan may not be paid off within x years (2, 3, 5)
              of origination. This is mostly to prevent refinancing. According
              to my lender, it's more commonly seen for variable interest
              rate loans. I had this clause in my loan paperwork (fixed APR)
              and requested it be removed. They did, since it was a "mistake".
2002/10/1-2 [Finance/Banking, Reference/RealEstate] UID:26068 Activity:high
10/1    Does B of A offer competitive mortgage loans?  The rates and points
        quoted on their web sites seem pretty low, but I can't find any quote
        on the final closing costs.  I tried to ask over the phone, but I hung
        up after listening to the music for half an hour.  Thanks.
        \_ Don't pay points.  It's a loss if you refi.
           \_ It *may* be a loss if you sell or refinance, but it may not
              be. It will depend on when you do so. Do the math. --dim
              \_ How exactly is it a win to spend money on points and then refi
                 and lose the money?  What math?  Only if there's *many* years
                 between the first loan and the refi such that your points had
                 enough time to pay for themselves.  With rates as low as they
                 are now it would be utterly stupid to pay points with the
                 belief that rates will be this low again in the X-many years
                 required for the points to pay for themselves.  Once you pay
                 points, you can forget refis for a long time without taking
                 a loss on it.  Math?  Not too much math to figure this one
                 out.
                 \_ I don't understand.  Since you think rates are low now and
                    it will not be this low again in X-many years, you think
                    you won't refinance again in X-many years, right?  Then
                    wouldn't it be smart instead of stupid to pay point that
                    requires X-many years to pay for themselves?
        \_ I have had a mortgage through BofA -- did it through a BofA
           loan agent who walked me through some hoops and got me a great
           interest rate with no points.  My current mortgage was obtained
           through a mortgage broker, much better deal this time around.  BofA
           is not too bad, but a mortgage broker did much better for me.
        \_ Try Fremont Bank.  They specialize in "no point no fee"
           refinancing.
2002/9/25-26 [Finance/Banking] UID:26008 Activity:nil
9/25    Are E-LOAN's rates competitive compared to what loan agents offer?
        \_ If you get a good loan agent they can kick eloan's rates ass by
           thousands.  Eloan is nothing special.  My agent rocks.
2002/9/21 [Finance/Banking] UID:25966 Activity:kinda low
9/19    Got a situation in closing escrow. We had an inspection with builder
        and found problems. They have 5 days to fix them. Our final
        walkthrough is next Wed 3pm.  But then we also have to fund and sign
        the loan documents on Wed noon, (before the final walk through). If
        we don't sign the loan documents on Wednesday, closing moves into
        October.  If there are problems that the builder hasn't resolved, we
        don't sign off on them then closing moves into October. Is there a
        problem with signing the loan documents before finding out if there
        are any problems the builder hasn't fixed even though we have the
        right to not sign off on the itemized list of problems?
        \_ yes.  once you move in, you can't use the threat of cancelling
           as leverage.  Their hurry tends to go away.
           \_ Shouldn't your real estate agent be taking care of these things?
              \_ New homes don't have agents.  Just you and the builder. Hey
                 who is the builder?  Which company?
        \_ Tell the builder if you don't get final walkthrough before signing
           docs, you'll walk away from the deal.  Consider suing them for any
           monetary losses in the escrow (up front payments, etc.).  Once you're
           legally bound, you're screwed.
           A little more leverage would be to find if the loan has a 3-day
           recision (back-out) clause.  That would allow you to sign the papers,
           but cancel them after the walkthrough.
2002/6/29-30 [Finance/Banking] UID:25244 Activity:nil
6/28    Anyone have any experiences worth mentioning, positive or negative,
        dealing with INGDirect (or other units of ING)?
        \_ Electronic transfer takes about 5-7 working days before the fund
           is available (to and from savings acct.)  Had to call service
           once, about 30 seconds wait before getting a real person.
           Overall, the experience has been good.
2002/6/24-25 [Finance/Banking] UID:25182 Activity:low
6/24    What are some rule of the thumb in buying a house? Some say you can
        live comfortably if you buy a house that is 3-4X your salary, and if
        you have 20% down for it. What about other rules? Are there good
        books to get on this?
        \_ I heard that loan companies usually approve a loan whose monthly
           payment is up to 1/3 of your pre-tax monthly salary.
        \_ In the Bay Area, you have to throw those rules out the window.
           You can get a mortgage for up to 50% of your gross income, if
           you have good credit. What kind of payment you think you can
           afford is up to you. -ausman
        \_ As the above says, this is the BA so it's all different.  I know
           more than 1 person who have 105% loans (negative 5% down).  All
           sorts of whacky stuff goes on here.  Since there are numerous
           evil loan agents and especially real estate agents who will try
           to oversell you a home, keep in mind the following: You *must*
           actually *READ* every single tiny bit of paper someone puts in
           front of you *BEFORE* you sign it.  *ASK* what something means if
           you don't *FULLY* understand it.  Do *not* get yourself into some
           whacky loan situation where you're going way outside the historical
           norm of 20% and 1/3rd max income.  You *can* get all sorts of weird
           things but there's a reason for the 20% down & 1/3rd income figures.
           These are numbers calculated to make sure you can make your payment
           and still have money for food, etc, for the average person.  One
           whacky thing you *DO* want in the BA is a split loan.  Instead of
           getting a jumbo loan (over $300k or so these days), get yourself
           a lower interest standard loan on the first $300k and a higher rate
           loan on the rest and then *PAY OFF THE HIGHER RATE LOAN FAST*!
           Your monthly out-go with a split will be about the same but all
           money you put into early payments on that higher loan will *really*
           benefit your future bottom line.  Do the math.  It's amazing how
           much you save over the life of your loan(s) doing this stuff.
           \_ If you make more money, you can probably afford a higher
              percent of your income toward your mortgage, but that depends
              on your spending habits. Think about it, if you make 30k/yr and
              33% is house payment, you are left with 20k/yr to live on, but
              if you make 90k/yr and 50% is house payment, you still have
              45k/yr to live on. This is simplified, but the truth is, you
              can probably afford more than the 28-31% usually suggested,
              but you will have to forgo the nice car and the vacations
              overseas. It is all a matter of what is important to you.
              \_ Yes, this is all true and I agree 100%.  What I left out of
                 my long thing about split loans, etc, was the shakey job
                 market and economy in general.  As a matter of pure personal
                 preference and choice I like being able to go on those nice
                 vacations.  I also like knowing I can afford to be out of a
                 job for 18 months without worrying about my mortgage or
                 dramatically changing my lifestyle.  With BA salaries, you
                 can go *much* higher than the 1/3rd rule and _probably_ be
                 ok.  But bad things happen.  Enjoy the best but be prepared
                 for the worst.  Balance in everything.  IMHO a house is only
                 just so nice and can add only just so much to your life to
                 increase your happiness.  Nice vacations, better cars, and a
                 growing bank account improve mine with a nice but not super
                 duper fantastic house.  I suggest not being a slave to one's
                 mortgage.  Being happy is more important than being miserable
                 in a bigger house.  This is all very personal and will vary
                 greatly by individuals.  Others might be much happier with a
                 nicer house and lower-quality vacations, cars, cash, etc.
2002/6/5 [Finance/Banking, Computer/HW/Drives] UID:24985 Activity:kinda low
6/3     anyone know where to get a CD of old radio shows - like The Saint
        Sgt. Preston, Dragnet, George && Gracie, that show where you hear a
        gunshot and the narrator says, "That was the shot that killed <forgor
        name>'s life, How do i know? because I'm ... <forgot name>"
        \_ The last show you mentioned is "The Lives of Harry Lime,"
           a radio follow-up to the movie "The Third Man" --- do a
           Google search for CDs or MP3s.
2002/1/24 [Finance/Banking, Finance/Investment] UID:23656 Activity:high
1/24    What's the typical annual return for bonds these days?  I just noticed
        that the annual return for my money market fund fell from 4.41% in
        last April to 1.57% in last December.  Thanks.
        \_ http://www.bankrate.com
           \_ I can't find bonds on that site, only money markets, CDs,
              savings, etc.
        \_ No such thing as "typical" bond return.  There are so many
           different type of bonds.  You can check the Lehman Brothers
           Aggregate Bond's index for return on ALL bonds.
           \_ Also, bond funds go up and down like stocks right?
              \_ A bond fund isn't very much like a bond.
                 \_ Isn't it kind of cumbersome for individual investors
                    to buy bonds directly (except for those EE, I
                    government savings bonds?  When most people talk
                    about buying bonds, they are talking about bond
                    funds right?
        \_ bond.  james bond.
           \_ shaken, not stirred.
2001/12/27 [Finance/Banking, Politics/Domestic/California] UID:23375 Activity:nil
12/26   Which bank (other than Washington Mutual) is offer basic checking
        account with no or low balance requirement in CA?  ($500 is all
        I have left.)
2001/12/6-7 [Finance/Banking, Academia/GradSchool] UID:23163 Activity:low
12/5    Regarding grad school TAship/RAship applications: it asks you how
        much $ you anticipate to make, how much financial aide you expect
        to get and the amount in your checking/savings account. What number
        are they looking for so that I can be eligible? Thanks.
        \_ In my experience, it depends on the cost of living where your
           school of choice is located. It also depends a bit on the
           school how much buy-in (as it were) they require.
2001/10/2 [Finance/Banking] UID:22617 Activity:nil
10/2    Can anyone recommend a good bank or credit union around here or
        downtown SF?  I can't qualify for CUBS.
        \_ Patelco
        \_ Do you consider Schwab a regular bank?  There's a branch near
           the Montgomery BART station.  I just sent them some e-mail with
           questions regarding my account, and I got a reply in less than
           an hour.  Pretty cool.
        \_ I'd recommend BofA. I've been a BofA customer for close to 10
           years and I find them to be a great bank. Some people on the motd
           don't like BofA though.
           \_ 12 years of BofA for me and no problem either.
        \_ Is an internet bank out of the question? They generally reimburse
           ATM fees and mine gives me postage-paid envelopes as well as at least
           double my brick-and-mortar bank's interest rate.
2001/9/24 [Finance/Investment, Finance/Banking] UID:22612 Activity:kinda low
9/24    as far as "financial institutions" rank, how does MBNA rate?
        anyone have any opinions of citicorp/b of a?  I'm looking to open a
        roth IRA and do some bonds investment.
        \ BofA ? you mean bunch of fucking assholes?
          \_ that's good.  i like that one.  Sorry, i've not heard that one
             before, but i guess it's really obvious at this point.
             They are dicks tho.  I unfortunately have an account with them
             can you suggest an alternative?  (altho i'd rather have the
             response to the original post).
             \_ I used to be a GW customer and got shafted after the WM
                merger. I switched to BofA and haven't had any problems
                yet. What sort of problems have you had with BofA?
             \_ I have both checking and MasterCard accounts with BofA for 12
                years.  Never had any problem.
2001/8/14 [Finance/Banking, Reference/RealEstate] UID:22115 Activity:nil
8/14    How do I retrieve an article that appeared under the "Today on MSN"
        section in http://www.msn.com just half an hour ago but is now gone?  Thx.
        \_ what link are you looking for?  ford recall, pcs passe, 6 new car
           reviews, gap school uniforms, etc. -uctt
           \_ The one about home prices and refinancing and growing equity
              loans.
                \_ http://moneycentral.msn.com/articles/invest/extra/7686.asp
                        -uctt
                   \_ Thanks a lot!  I read it half way thru and then
                      accidentally closed my browser.  How did you find it?
2001/7/27 [Finance/Banking] UID:21966 Activity:nil
7/26    Why are date of birth and mother's maiden name used for identity
        verification purpose?  All your relatives and close friends attend
        your birthday parties and they know who your mother is.  And for
        celebrities even the public knows these info.
        \_ because those companies don't really give a fuck about
           your financial securety.
        \_ you give them the real maiden name?  sheez...  you deserve to
           have your savings swiped.
           \_ I guess I was too naive when I opened my accounts 12 years
              ago.
           \_ Exactly. It is just a "security" code. And if someone steals
              from you, you say there was fradulent activity and you don't
              worry about it.
        \_ Look if you think your family is going to steal from you, you
           should use numbered accounts with otp for all your financial
           transactions.
           \_ Are birth certificates public record?
2001/7/20 [Finance/Banking, Finance/Investment] UID:21889 Activity:nil
7/20    Recent headline O'Neill Predicts Strong U.S. Surpluses
          The article put such a good spin on the notion or paying down the
        debt.
          Well there is a huge huge huge huge devastatingly huge potential
        problem which has been written about in the heavy econ papers
          Our entire economy is based what is called the "riskless asset."
        All prices of investments, be it stock, bonds, capital spending,
        buying houses etc. all rely on what is called the CAP-M ( capital
        asset pricing model ). This states basically that the more risk
        an asset has the high its expected rate of return must be. The
        expected return in the "interest rate." The problem arises in
        that the CAP-M ( my nomencalture - standard is CAPM no "dash")
        uses as a requirement in its calculation the rate of return of
        the riskless asset. The foundation which people previously used
        in this model was the 30yr US Bond.
          So where is problem? The government started buying back 30yr
        bonds thus reducing demand and causing a demand shock which
        altered the normal curve and skewing its price. Everyone realized
        this and quickly renormalized all asset prices to the 10yr bond
        as it was still in high supply. However as the govenment
        continues to run high surpluses the demand will continue to
        shrink for the 10yr and it will no longer be effective as a basis
        for the pricing assets.
          Repurcussions to this are obvious. Without a standard government
        based riskless asset pricing, financial institutions will no
        longer be able to commonly price assets. This will cause an
        increase in the volatility of equities.
          Solutions- Right now that is of a big debate in the economic
        field- right now the biggest option looks like fannie ma. Ya
        those are the guys who own all the home loans. That is turning
        into the biggest source of bonds and thus providing a basis for
        stable pricing- Whenever you have bigger supply- the stability of
        a price goes up. That is why when the government had 3Trillion in
        bonds out the prices were fairly stable. Only recently has
        volatility started to be seen. But the problem with using home
        loans is obvious as well- equity bubble.
          Net result. The Government is going to NEED to step up spending
        to maintain a budget deficit. Maybe not now but the seeds are
        being planted.  Look at the signs, Cal government going into debt
        over energy.  This is chump change but just a sign that
        governments are taking up the slack of the consumer.
          Required Actions: Align yourself with an industry which will
        benefit from governemt spending. Boeing, LM, EDS, Dyncorp, HAL.
          Look for massive US bases setup in foreign countries. Look for
        massive emigration to foreign bases. Look for a reimergance of
        colonialism. The plans are in the works - and coming this fall I
        am hoping I can get involved with them - as I am starting to
        believe this is coming sooner rather than later.
          Just commentary and by no means correct- and may not even reflect
        my true views
        \_ Hi kinney!
2001/7/17-18 [Finance/Banking, Finance] UID:21829 Activity:high
7/17    economy derives benefit from dad smokers:
http://news.bbc.co.uk/hi/english/world/americas/newsid_1442000/1442555.stm
        \_ Economics is sometimes a cruel filter to apply to your vision of
           the world.
           \_ Only sometimes?
2001/5/25 [Finance/Banking, Reference/RealEstate] UID:21359 Activity:insanely high
5/25    Hey, is it worth wasting an extra $25/month in mortgage interest
        to have an extra $200/month in pocket money? (comparing 15 to 30) -nick
        \_ _In general_ if you can afford the 15 year, you're better off in
           the long run.  Talk to a loan person at a bank to go over specifics
           for your loan.
        \_ Most 30 year loans have pre-pay penalties. Banks prefer to have a
           \_ Not from what I've seen.  Certainly my 30 year loadn has no
              prepayment penalty.
           long income stream on paper, that they don't have to modify with
           prepayments. If you are able to pay it off in 15 years easily,
           go for it!
        \_ Some idiots posted below.
        \_ YMMV. Lots of people buy houses so that they have LESS spending
           money, because when you have lots of extra spending money, you
           can easily "blow" a lot of it... either the $500/mo Fry's habit,
           nice restaurants, nice whores, clothes, or whatever. If you can
           afford a house, you probably are doing somewhat ok, and can live
           without the extra $200. On the flipside, money is meant to be spent
           so what is the point in saving it all? Find your own balance.
           What's your lifestyle? What do you want it to be?
        \_ You mean 15 vs. 30 year mortgage?  You do realize how much more you'd
           pay on the 30 year, right?  If you can affort it, you'll accrue
           equity much faster with the 15 (because of compound interest, equtity
           growth is _not_ linear).
           \_ Non-sense.  You don't know any better.  The fastest way
              to build equity is to have a 30-year-loan (hence lower
              monthly payment) but pay the same amount each month
              month as you would with a 15-year-loan (hence you pay down
              more principle each month).
              \_ How is this different from getting a real 15-year loan with
                 the same interest rate?  (Not to mention that 15-year loans
                 usually have lower interest rates than 30-year ones.)  -- yuen
                 \_ Exactly.  All that matters is the interest rate.
        \_ IANAFA (I am not a financial advisor). Depends on what you want
           to do with it. Can you live without it? If not, then go for 30,
           of course. If you can, then perhaps putting the $200 in something
           that will earn more than your mortgage interest rate will be a
           good investment. I would highly advise against just blowing the
           $200, but I'm very conservative financially.
           \_ In comparing interest, do remember that debt paid is debt
              paid whereas investment earnings still has to be taxed.
2001/2/13-14 [Finance/Banking, Finance/Investment] UID:20584 Activity:high
2/13    Is it theoretically possible at all to achieve zero inflation and zero
        unemployment at the same time in a non-communist economy?
        \_ why don't you go stand in that circle in sproul with a friend and
           you can start a company together trading goods back and forth
           using a curency that you set that never changes.  you are both
           employed, and there is no inflation.  don't be communist
           and you're all set.  moron.
           \_ You call that an economy, moron?  I'm just asking a question on
              theory of economics stemmed from fading memory from ECON 100B.
              I'm not trying to promote communism or anything.
              \_  why not?  I was trying to make the point that dealing with
                  totally hypothetical and abstract ideas in economics is
                  pointless.  I realize lot's of shucksters and math grad
                  school dropouts make a living off of this, but its still
                  a fucking waste of time.
        \_ Uh no. Unemployment reflects some of those who are of working
           age who do not want to or are not capable of working. It will
           never be 0 unless you force all the housewifes, househusbands,
           and cripples to work.
           \_ Nah, unemployment only includes those who want to find work,
              but is so far unable to find one which he or she is willing
              to take.
        \_ who wants zero unemployment? isn't the goal zero forced employment?
        most of us have to work, but don't want to. there are also non-
        competitive currency models to consider. read http://transaction.net.
         \_ uhh, you do know that generally unemployment numbers do not count
            people who are not interested in working.  They are supposed to
            reflect the percentage of people who are looking for jobs but
            don't have one.  Otherwise the numbers would be a hell of a lot i
            higher.
                \_ really? I did not know that. So in most european countries
                   ~ 10 - 12% of the people who want to find work can't?
                   Damn. It must suck to live there.
                   \_ yeah but they get generous welfare so they probably don't
        \_ not in human economy.  but probably true in the animal world.
           \_ nice try, but I would say that > 99.9% of animals (humans
              excluded) are unemployed.
                      look that hard.
                   \_ Unemployment is calculated differently in
                      some european countries -- they consider part-time
                      workers as un-employed.
                \_ agreed; unemployment numbers count only those interested
                in working. but the motivation behind the question is that
                most people are interested in working. this isn't true;
                most people don't want to do the work they're doing.
        \_ The statistics that I don't understand is "personal savings
           rate".  It is defined as the percentage of "disposable income"
           saved, but what exactly is "disposable income"?  Does that
           include 401k, etc.?  I was wondering because the country has
           been having a negative personal savings rate recently.
                \_ disposable income = income minus primary needs (food,
                   shelter)
2001/2/12-13 [Finance/Banking, Finance/Investment] UID:20567 Activity:high
2/12    I am broke. I am looking for an ass-kicking spreadsheet to start
        keeping track my expenses.
        \_ Quicken and Microsoft Money are better at this than any spreadsheet.
        \_ Its called a ledger. You can make using a $0.10 notebook from
           longs or payless. You have one column where you write in the date
           of a transaction, another where you write in a description and
           a last one where you record if it was + (deposit) or - (expense).
           Add it up at the bottom of a page and transfer to the next.
           \_ I just use a plain text file to do this.
                   \_ If you are broke, a text file costs too much money.
                \_ Perl!
           \_ $0.10 notebook?  What decade are you living in?
        \_ Hey, I thought we went throught this!  Use automatically deposit
           to put a portion of your paycheck into a savings account and DO NOT
           ever withdraw from that account.  I'm able to saving 20K a year
           that way.  And I'm not making 6 figures.  -frugal guy
           \_ Only 20K. How much do you make? ~ 45K? I'm saving ~ 40K a
              year by direct deposit into my money market account and
              I'm making not making 6 figures either.
                 to my parents (non-tax-deductible) and contributing 11% to my
                 401(k), and I'm not making 6 figures either.  Although it's
                 sad that we need to compete on how little we spend instead of
                 how much we make.
              \_ I'm making $2600 mortgage payment a month and sending $1K/mo
                 to my parents (non-tax-deductible since they're not listed as
                 my dependents) and contributing 11% to my 401(k), and I'm not
                 making 6 figures either.  Although it's sad that we need to
                 compete on how little we spend instead of how much we make.
                    \_ I'm 15% to 401(k), 10% to ESPP, the rest directly
                       into my money market accoount. I live at home with
                       my parents, so I cut back on costs there. The only
                       recurring costs I have are DSL ($69/mo) and my car
                       ($50 gas/mo, $50 insurance/mo, $20 maintenance/mo).
                       Occasionally I buy clothes or computer equipment,
                       but my yearly expenditure is covered by dividends
                        earn more via investments and such)
                       on a single mutal fund I own, all the other dividends
                       are reinvested. - soon to be member of the idle
                       rich.
                       (BTW, I don't consider non-salary income toward
                        that 6 figure thing. My salary is less, but I
                        earn much more via investments and such)
                        \_ what good is being idle and rich if you live at
                           home with your parents?  The values of sodans need
                           some serious whacking.  -tom
                              \_ With the money I am saving, I can easily
                                 move into my own house in Saratoga or
                                 Woodside. I can do whatever I want
                                 whenever I want. I don't have to go to
                                 work do what my boss or some stupid
                                 customer wants. I can just sit around
                                 and make money and enjoy myself.
                                 That's what idle rich means.
                                 And what's wrong with living with your
                                 parents? My parents are extremely nice.
                                 I'd have to be pretty damn stupid to
                                 move out and spend money.
                                 \_ I envy you having nice parents.  My mom is
                                    a dictator comparing to other moms (she
                                    even forced me to dump my gf,
                                    successfully, who was "just a little dis-
                                    respectful occasionally.  Just a little,
                                    really.  Other than that she's a very nice
                                    girl."), yet she has the gut to tell
                                    people that she's one of the most liberal
                                    parents in the world.  Geez.
                                \_ let's see...you don't have a girlfriend,
                                   or any activities you spend money on.
                                   exactly what are you going to do to
                                   "enjoy yourself" when you have "enough"
                                   money?  Get a life; money is a means, not
                                   a goal.  -tom
                                      \_ Spoken like a true poor peon.
                                         You don't really understand
                                         what it means to be rich do
                                         you? Too bad.
                                         \_ Sigh... not only is the sky falling
                                            but there must be solar flares too.
                                            Rich is nice but if being rich means
                                            this guy spends the rest of his
                                            life in his parents basement
                                            waiting for the magic day that he
                                            has "enough" money then the guy is
                                            totally lost.  I'd rather be middle
                                            class and have a life than rich in
                                            my parent's basement.  "Mikey!
                                            Dinner is ready!  And don't forget
                                            to clean your room before your
                                            little friends come over!"
                                        \_ I absolutely understand what it
                                           means to be rich, and it has
                                           practically nothing to do with
                                           numbers on pieces of paper.  -tom
                                   \_ The sky is falling!  This must be the
                                      Twilight Zone or Outer Limits.  I find
                                      myself in total agreement with tom!
                                   \_ for a "ride bike, save the whales" guy,
                                      you're pretty short-sighted.  be
                                      realistic.  sometimes you need to
                                      accumulate wealth to do what you want.
                           \_ uh, to save toward the future for when they
                              eventually move out?   what good is being idle
                              and poor if you're living by yourself in an
                              an apartment?  I mean, come on, it's not like
                              most Sodans need the privacy for a love-life or
                              anything.
                              \_ A love-life costs $s. And if you get
                                 married, in CA she gets 1/2 of your
                                 stuff. No woman is worth 1/2 of my
                                 portfolio. Better to be single, rich
                                 and free.
                                \_ Happy Valentines Day, tool
                 \_ My mortgage is higher, my parents are multi-multi-multi-
                    millionaires, I'm making comfortable 6 figures, putting
                    in 10% and I still have time to edit the motd.  Oh yeah,
                    redecorating the house next month, too.  The maid will
                    like the new arrangement as it leaves her less to clean.
                    \_ In other words, yer mom is kicking your lazy, fat,
                       arrogant ass out of the house because your life is as
                       pointless and contrived as your motd posts.
                       \_ No.  Why is it so hard to comprehend that others on
                          the motd live the good life?  I *know* there are
                          others here who have and continue to do even better
                          than me.  I don't get grumpy about it.  I applaud
                          and cheer their success.
                    \_ sign yer posts so i can track your ass down.
                       \_ YWTFMITA?
                       \_ Yeah and then what?  You wanted to meet the maid?
                          She's kinda cute.
                          \_ Any pics?
                                \_ No, but I could setup a webcam if you were
                                   dying to see her.
                                   \_ That'd be great.  Thanks.  URL?
                    \_ Well, my parents aren't that poor either.  They eat out,
                       pay hundreds of dollars per month on international phone
                       calls, renovate their home, trade stocks, had an apt.
                       unit to collect rent, own a car in a country where a
                       parking space costs $400/mo and public transportation
                       can take you to places faster than driving.  Recently
                       they even almost bought a brandnew Mercedes even though
                       sales tax on cars is 100%.  But they still want me to
                       send them $1K/mo even thought I can't even afford
                       eating out.  Sucks.
                        \_ Get new parents.
                           \_ Could it be Tokyo?
                              \_ Isn't sales tax on cars much lower than 100%
                                 in Japan?
                        \_ the place ur parents live, could it be HK?
                           \_ Good guess.  Yes it is HK.
                              \_ then ur parents' reason for collecting
                                 money from you would be helping u save
                                 money for marriage...
                                 \_ My parents demand tribute as well, but
                                    at least it's not as fucked up as that.
                                    My parents are upper middle class Chinese.
2001/2/7 [Finance/Banking, Computer/HW/Drives] UID:20523 Activity:nil
2/6     A while back someone asked about directory-specific aliases.
        Couldn't you accomplish that with aliases?
        alias cd 'source ./unaliasrc; cd !*; source ./aliasrc'
        \-i was talking about directory-specific history stack. are you
        misremembering or is this a different discussion? either way, this
        is too klugy. you could probably build something liek this by extending
        the tcsh completion mechanism. --psb
2001/2/1-2 [Finance/Banking, Computer/HW/Drives] UID:20490 Activity:high
1/31    Myth or reality-- 80min/700m CD is more reliable than 74min/650m CD?
        \_ Diablo was better than Myth.
        \_ Myth Rocked. Diablo is mindless dribble.
        \_ Reliable?  Are you eating them or playing them in a sand storm or
           what?  These aren't floppies.
           \_ With some lubrication, a 50-CD spool can be put to good use.
              \_ wow, i never thought of sticking my weasel in there.
              \_ pencil dick.
2001/1/4-5 [Finance/Banking] UID:20232 Activity:high
1/3     PayPal yield is 5.2% which is better than my saving and checking.
        Is there any reason why I should not put some of my money in it?
        \_ Yeah, when they go out of business like every other <DEAD>dot.com<DEAD> your
           money will be locked up and you may never get it back!
           \_ or when someone gets your account info and steals all your
              money and paypal tells you tough luck.
        \_ My credit union pays 5.5% now
           \_ for what?  the only things my credit union pays that much for
              are CDs over 12 months and such.
           \_ for mm checking?  the only things my credit union pays that
              much for are CDs over 12 months and such.  mm checking is
              only at 3.1...  what's your credit union?
              \_ <DEAD>broccoli.caltech.edu/~cefcu<DEAD> --not original poster
              \_ What's "mm"? Mine has no penalty for w/draws. no ATM.
                 No minimum. Just a simple CU savings account. --orig responder
                 \_  mm stands for money market.
        \_ My Wells Fargo MMA, which I can xfer money into and out of w/out
           penalty and use at an ATM pays 5.86%
                \_ Wells started charging like $15/month on this account
                   though
                   \_ Only if you keep less than $5k in it.
                        \_ It's $10K now.  But, yeah, the rate is like
                           5.8% with check writing privs.
                           \_ Oh.  Didn't know they changed it.  Wasn't paying
                              anything.  Anyway, you need to compute the cost
                              of the mothly charge for being under the min.
                              vs. rates available elsewhere.
           \_ I just saw an ETrade ATM machine at an arcade near me.
                \_ Since playing the market is little different than space
                   invaders.  No matter how good you are they'll get you
                   eventually.
        \_ http://virtualbank.com has 6.25% on checking + free online bill pay +
            ATM reimbursements.
2000/10/30 [Finance/Banking, Finance/Investment] UID:19600 Activity:nil
10/30?  was there a time change today or something. ?   i only have one
        clock and it's anaolog and i dont wind it all the time, and it
        said thtat the time was over an hour from what it really was, but
        i really thougnt i wound it last night. did that happen to anyone
        else?  is it daylight savings or somthieng.?
        \_ moron
        \_ If you forgot to wind the clock, it would be behind, not ahead of,
           correct time.  Next time think of something more realistic when
           you write a troll.
2000/10/17-19 [Finance/Banking] UID:19507 Activity:high
10/17   What does that Washingtom Mutual ATM policy mean? Does it mean
        that you can have a BofA ATM card and use a WM ATM free of charge
        or does it mean that WM customers can use other bank's ATMs free
        of charge?
        \_ It means that if you have a BofA ATM card, you can use a WM ATM
           without being charged by WM.  That said, I believe that BofA may
           hit you with a $1.50 charge for using a non-BofA ATM, but I'm
           not certain of this.
        \_ I thought I heard on the radio ad. at the end that if you
           are not a WM customer, you may be charged a fee.
           \_ Yes, by your *own* bank or credit union. --dim
        \_ Nothing. It means Nothing. Washington Mutual is a POS company
           that has no respect for its customers or its employees. It took
           a decent local bank like Great Western (I was a customer of thiers
           for 12 yrs) and turned it into one of the worst banks in the
           world. - now with bofa
                \_ HAHAHHAHAHAHHAHA!!!! So, yes, you have proven you have great
                   'taste' in banks by moving to BofA, so well known for their
                   top notch customer dis-service.
                      \_ washington mutual is still a piece o shit though...
                         i mean, there will be a big ass line and only
                         one teller up processing it.  what's up with that?!
                         \_ Gosh, and all these people are *forced* to _choose_
                            WM and _can't_ go anywhere else?  Maybe it's worth
                            it to wait in line to get real service?
                         \_ because they actually offer low-cost checking
                            and dont force everyone to the ATM. ANd that
                            they actually offer "service". WAMU is NOT THAT
                            BAD compared to someplace like BofA, my god!
                            WHen i'm there they have almost all teller
                            windows open, plus two in the express line.
                            \_ BofA is much better in terms of teller
                               access, longer hours, more locations,
                               no ATM fees, friendlier customer services,
                               better online banking, integrated credit
                               card and checking account information and
                               quicker error correction. WM took months to
                               sort out errors, along with being unfriendly
                               to customers and employees. I banked at the
                               same branch (GW) for 8 years, and most of the
           my companies credit union for ATM/cash/car loan.  Satisfied
                               tellers loved GW and left within 6 mo. of the
                               buyout because WM treated them like shit. I
                               went to BofA because most of the people I
                               knew at my GW branch went to the local BofA
                               branch.
        \_ in the two years that I've had my mortgage with WM, I've had to
           call them three times in regards to various accounting errors.
           I've done my banking (checking/savings) with Wells Fargo for
           the past 7 years and never had a problem.  My coworker formerly
           with Home Savings Bank which was bought out by WM walked into
           WM one day and was told she did not have an account with them.
           She had to wait around for over an hour before they found her
           account.  I have zero trust in WM.  Unfortunately, I also have
           a 30 year mortgage with them.
           \_ I used to. I then changed it to wells fargo mortgage when the
              rates were lower.
        \_ These days I use Net@Bank for most of my banking needs, and
           my company's credit union for ATM/cash/car loan.  Satisfied
           with the arrangement so far.  BofA sucks from what I remember.
           I retain a low limit BofA credit card for shady online
           purchases.
2000/9/25-26 [Finance/Banking, Computer/HW/Drives] UID:19320 Activity:low
9/24    is it just me, or do new techno cds make older cd players skip?
        \_ How can you tell?
2000/9/6-7 [Finance/Banking, Finance/CC] UID:19188 Activity:insanely high
9/6     motd poll:  Would you continue a relationship with a SO after you
        find out that he/she has a lot of debt?  This is assuming that you
        have no debt.  Love might conquer all, but I'm curious how many people
        go for the more pragmatic approach to a relationship.
        \_ A pragmatic relationship isn't a relationship.  I think you're
           looking for a business partner or vc funding.  I suggest removing
           yourself from the race so you stop ruining perfectly good people
           the rest of us might find attractive before you leave them bitter
           and angry and hating everyone.
                Debt is not a permanent condition, unlike your shallowness and
        \_ how much debt?
                \- it depends what tthe debt says about the person.
                \- it depends what the debt says about the person.
                student debt != crack ho. --psb
        \_ I was ~$30k in debt when I graduated (stupid out of state tuition)
           and now have paid off & $30k in savings after 2 years of working.
           debt is not a permanent condition, unlike your shallowness and
           ignorance.
           \_ once in debt, always in debt. Economic awareness != shallowness.
              People come and go $'s are forever.
        \_ I would pay for her/him if s/he is really a SO of mine.
        \_ Never sleep with anyone with more problems than you. - tpc
           \_ and that's why you haven't been getting any, eh?
        \_ All debt is bad. Ditch them and find someone who is economically
           sound immediately. (There are some undergrads and grad students
           that actually make money while going to cal. I doubled my net worth
           from ~ 30K to ~ 65K in the four years I was at cal. I paid my own
           tuition & expenses).
                \_ we can't all run meth labs, sky
                   \_ I earned my money via investing and working (during
                      breaks and part-time). I was also lucky to have been
                      in school during the bull 90's and to have worked for
                      a company that let me do ESPP as an intern. - ! sky
                \_ sky didn't come out much ahead while at school.  i
                   remember being drunk and broke a lot going to those
                   clubs with sky. -uctt
                        \- i dont see what these personal anecdotes mean.
                        debt is the wrong target. it isnt good or bad. if a
                        particular case of debt means "this person has little
                        self control and cannot live within his/her means"
                        it's hard to claim that is a positive. if the debt
                        means this person is self sufficient but not rich,
                        it means something totally different. if you reaction
                        to this is "i respect that" that is one thing, if your
                        reaction is "they wont bring much to the relationship
                        in a material sense" that is something else. --psb
                        \_ If they are in debt then it places a financial
                           burden on them as well as you when you are in a
                           relationship. No debt is good. Look for people who
                           know how to avoid debt (its not that hard and the
                           people who know how to do that are better for you
                           in the long run).
                        \_ DEBT is BAD! Any kind of long term DEBT! (A few
                           hundred (or thousand depending on your incoming)
                           per month on a credit card is okay provided you
                           pay it off at the end of the month and never carry
                           a balance.)
2000/8/31 [Finance/Banking, Academia/GradSchool] UID:19139 Activity:very high
8/31    Are there student loans for grad school students?  If so, where
        can I get them, and what are the rates and terms?
        \_yes.
          \_ that answers the first question.  Now go to the second one
             in the series.
                \_ Dumbshit, go talk to FA or a bank.  You have no right to
                   the motd or answers expect get on.  one here No 'owes' you
                   anything.
                   \_ tone may not have been correct.  It was a simple
                      request, no expectations.  However, there might
                      be good people with good information out there.
                      \_ in many fields, grad dstudents do not have to pay
                         tuition, and get a stipend to live on, and since
                         we dont have to pay back undergrad loans while in grad
                         school, the only motivation to get loans is to
                         live extravigantly or invest illegaly. hence the
                         ingnorance of many grad students about this subject.
                                                -grad student
                         \_ Or to pay for spelling and typing lessons.
2000/8/27-28 [Finance/Banking, Finance/Investment] UID:19103 Activity:high
8/26    So what's the best vehicle to keep my money in
        that I am not ready to invest for the long term?
        money market?  brokerage account?  CD?  savings account?
        thanks!
        \_ http://www.fool.com
           To spare you the trouble of reading, put it into an
           index fund (one based on the S&P 500). But I would
           read it in its entirety if I were you.
           \_ you are kidding right?  S&P 500 index fund is a stock fund
              and is not appropriate for short term investing.
        \_ i keep it in the glove compartment of my ford tempo.
        \_ the one that offers the best liquidity for the amount of
              C. Brokerage money account -- pretty good option.  The Rates
           return you desire with the level of risk you can stomach.
           \_ I agree.  Other choices:
              A. CD, can have better return than money market.  However,
                 this is not liquid.  If you need the money in a month,
                 and you can get a one year Cd, you are in trouble.
                 Rates are fixed for the term.
              B. Savings accounts -- no way.  They are FDIC insured,
                 but the yield is way too low.
              C. Brokerage money market acct -- pretty good option.  The Rates
                 are around 5.5%-6.5% these days.  They are not
                 FDIC insured, but some may be insured by the SIPC and other
                 independent companies.  Some have limits too, like $100,000
                 protection.  Read your prospectus carefully.
                 Rates fluctuate.
              D. Bonds and Treasury's -- good option.  Better than CD's
                 because you can sell them before maturity.  However, this
                 requires more knowledge than CD's, and if you don't
                 have a lot of money, this can be a problem.  Watch
                 commission costs in buying bonds through a broker, too.
                 If held through maturity, you can are guaranteed (Treasury)
                 getting back what you put in.  For corporate bonds,
                 you may not get back what you put in if it defaults.
                 Bonds are not recommended for beginners.
              E. Bond mutual funds -- like bonds but you don't get your full
                 money back at the end of the term.  (there is no term
                 for a bond mutual fund).  Offers diversification of
                 bonds, so called expert management, and you can have lower
                 initial investment.  Some have no fee and no load.
                 They do have a yearly expense fee hidden in the return
                 of the bond fund.  Like bonds (if not held to maturity),
                 you can lose some money due to normal market conditions.
      \_ leave it to the motd to give wishy washy answers. Here's where
         you should put your money: the Strong Advantage bond fund.
         about 1-year maturity, slightly lower quality than your typical
         ultra-short term bond fund, but yielding 7.3%. BEAT THAT!!
                \_ Look at REIT's; slightly riskier, but fairly safe as
                   stocks go.  ENN, for example, is yielding over 15%.
                   There are lots of REIT's with various dividend levels
                   and risk levels (directly proportional). -tom
                \_ I made $50 in Vegas last weekend _after_ paying all my
                   costs!  BEAT THAT!!
                   \_ done with ultra high risk.
             \_ both of those have much more share price volatility than
                Strong Advantage (check out its chart, the price volatility
                has been virtually nil), though it does have pretty high
                yield volatility, but most bond funds do.
        \_ http://virtualbank.com offers rates up to 6.5% APY for FDIC insured,
           fully liquid accounts.  Their website doesn't look good
           in Netscape under Unix, though.
2000/8/14-15 [Finance/Banking, Politics/Domestic] UID:18988 Activity:high
8/14    Are "Bank of America" and "Banc of America" the same thing?  I see
        a lot of "banc"s in financial news articles.
        \_ something to do with a law that dates back to the post-depression
           days when they out-lawed any single bank from doing both
           commericial banking and regular banking (or something like that).
           The Ban{c|k} of America, I think, is their little loophole
           to get around this.
        \_ el blanco banco!
        \_ http://www.hoovers.com/co/capsule/1/0,2163,47381,00.html
2000/8/14-15 [Finance/Banking] UID:18975 Activity:very high
8/12    What are credit unions? Someone said it's easier to obtain a credit
        card through CU's. From what I've gathered, it just seems like
        another word for bank.
        \_ They're co-op banks (i.e. the customers are "members" who are the
           owners, therefore they care more about the individual customer
           than the big banks who care mostly about the big customers).
           \_ Most CU's offer CC's to anyone who is a member. And as a member
              you get to vote on how you want your CU run. --that someone

        \_ They're banks that are much more liberal on lending.  I went to
           CCFCU for a car loan at 2pts better than what BofA would do.  And
           my visa card with them has been at 11.88% fixed for 5 years.  While
           that looked a tad high early in 1999, it's quite low the rest of
           the time.  CUs also have much lower balance requirements, and junk
           fees are minimal.  What they don't have are a lot of atms, branches
           or well established online banking. -jor
           \_ CC's: most CU's offer CC's to anyone who is a member. And
              as a member you get to vote on how you want your CU run.
              However, they may not give you the super-low CC interest-rates
              that some big banks give their "best" customers. But if
              you are starting out (no credit) it is great. (you shouldnt
              be carrying a CC balance anyways so nevermind interest-rate)
              Savings/Checking: note that CU's sometimes have limits on
              the number of withdrawals or checks you can make per quarter
              in order to get your higher-than-bank savings-interest-rate
              and they do not have as many ATMs as some evil, slow, incompetent
              banks like WF or BofA, but CU's are MUCH MORE responsive
              to you. And they also have Holiday specials, car loan
              specials and lower-interest-personal loans available:
              you keep your savings account filled but take a CU loan and
              pay yourself the interest -- this is cheaper, builds credit,
              keeps you under your per-quarter-withdraw-limit --someone
                 patience."  -- kahogan
              \_ Credit unions?  MUCH MORE responsive? Obviously you've never
                 tried to use my credit union's online banking service. Their
                 3-ring binder for dealing with customer complaints contains
                 exactly two answers: "Please upgrade to the latest version
                 of Internet Explorer", or "I've reset your password. Please
                 try logging in again." Sometimes when they want me to feel
                 like they care, they'll throw in "We appreciate your
                 patience."  (What was the problem? Logging in to online
                 banking and getting nothing but a page declaring "SQL ERROR"
                 for multiple days in a row.)  AEA Credit Union.  -- kahogan
                 \_ the 2 i had were responsive but not online. Very low
                    tech, old-style. I called the lady to make withdrawals,
                    and she sent me check. thanks 4 warning, --someone
        \_ They're banks that are much more liberal on lending.  I went to
           CCFCU for a car loan at 2pts better than what BofA would do.  And
           my visa card with them has been at 11.88% fixed for 5 years.  While
           that looked a tad high early in 1999, it's quite low the rest of
           the time.  CUs also have much lower balance requirements, and junk
           fees are minimal.  What they don't have are a lot of atms, branches
           or well established online banking. -jor
           \_ Well, as far as ATMs are concerned, you can usually find an ATM
              that's part of the Co-op Network and you don't get charged any
                fees usually. Another way to get cash without surcharges is to
                pay for groceries via ATM card and ask for cash back.
        \_ credit unions have a few nifty features, they offer a reasonable
           interested rate on your checking account (slightly less than a
           brokerage money market account but better than 1 or 2% at a bank),
           fairly flexible credit cards with low interest rates, and shopper
           services for things like cars.  The shopper services are probably
           worth it, since you can usually get a car for invoice via a credit
           union. I got a mostly loaded corolla for $15k ($100 over invoice).
           I could have got a civic or a low-end corolla (1.6 l) for $11k.
           \_ All new Corollas have 1.8L engines.
              \_ Actually, they've all got 1.6L engines. You only get the extra
                 .2L worth of power if you have the "NEUSPEED" or "Toyota
                 Racing Development" stickers on the outside of the vehicle.
              \_ I got mine in 96. The only reason I got the 1.8 l is that the
                 gas mileage was 3 miles more according to the window sticker,
                 and they had it with green exterior tan interior, while the 1.6
                 l ones had bad interior colors.
                 \_ Mmm.  American consumers.
                       \_ I forgot to add that the 1.6 l drove very badly and
                          could barely handle merging on the highway.
                    \_ YEAH D00D!!1! He should've taken the car with the
                       smaller engine, poorer gas mileage, and colors he didn't
                       like -- because then he could be a HIP, IRONIC, OUT-OF-
                       THE-MAINSTREAM ANTI-CONSUMERIST EURO SOPHISTICATE like
                       yourself!!1!!!!1!! Maybe you should give classes or
                       something so the rest of us don't make the same
                       horrible mistake.
2000/8/13-14 [Finance/Banking] UID:18971 Activity:moderate
8/12    I am looking for a good home loan; so far the lowest I've found is
        8.25%; are there better ones out there? Any pointers appreciated
        \_ yeah, mine's 6.625%.  Of course I got it a year and a half
           ago.  Why the fuck would you ask the MOTD?  Go to a loan
           officer.  -tom
           \_ Tried. She feigned activity, and then proudly presented an 8.5%
              one; a couple of hours of research on my own afterward yielded
              the 8.25, which she stared at and shrugged. Turned me off toward
              the whole idea. Asking the motd is (as most other things here)
              mostly as a large audience a fraction of which may have
              first-hand experience
                \_ Rates change daily.  There is not a large audience
                   of people who have gotten a rate in the past week.  -tom
                        \_ hey let people ask what they want on the motd
                           \_ don't talk back at tom, he is god -tom #1 fan
        \_ Keep looking. Check more banks/CUs/mortgage, perhaps even
           online. Variable or fixed? 30 or 10 year? Check the bizness
           section of the newspaper?  Used to know a sneaky slimy loan
           officer who could work the numbers to squeeze out a good rate
           so referral can help. Dunno what's current now.  --someone
2000/7/20-21 [Finance/Banking] UID:18738 Activity:nil
7/20    Seen on a "student loan trust foundation" site:
        "Due to an enormous amount of uncollectable debts by
         Psychology/Therapy/Counseling/Social Welfare students, we no
         longer provide loans for these majors."
        [http://www.mewtrust.com/qualify.htm]
2000/6/11-12 [Finance/Banking, Computer/SW/Unix] UID:18440 Activity:nil
6/9     What's the difference between GMT and UTC?  What is UTC anyway?
        \_ Universal
        \_ "coordinated universal time" Google:
           http://sts.sunyit.edu/timetech/gmt-utc.html (You may also find
           http://tycho.usno.navy.mil helpful.) GMT is sort of an older
           standard. Somewhere it says that GMT doesn't account for earth's
           rotational drift with leap seconds but UTC does. In practice they
           are used to mean the same thing, although some people seem to use
           GMT if they want to emphasize Britain's local time zone. It is
           probably better to call it UTC.  --Galen
           \_ As an aside, I believe leap seconds are being eliminated. --dim
              \_ What could replace them? There must be some way of reconciling
                 the definition of the second with the earth's motion. --Galen
                 \_ As an aside, I believe the rotation of the earth is being
                    eliminated.
                    \_ As an aside, I believe Galen is being eliminated.
                       \_ As an aside, I believe the earth is being eliminated.
                                \_ As an aside, I believe this thread is
                                   eliminated.
           \_ http://answerpointe.cctec.com/maillists/ietf/msg11662.html --dim
              \_ Is there some coordinated international coalition of people
                 of Greek decent trying to do away with leap seconds!?
        \_ True GMT gets adjusted for "Summer Time" (the brit equiv of
           daylight savings) - UTC does not.  Most of the time people refer
           to GMT they mean UTC.
2000/4/16 [Finance/Banking, Science/GlobalWarming] UID:18024 Activity:high 70%like:18032
4/16    I keep seeing people protesting the IMF and the World Bank on
        the news.  Their main complaint seems to be that these organizations
        are charging interest on loans they made to third world countries.
        This seems like a lame argument because the IMF and World Bank
        are making LOANS not DONATIONS.  Are the protestors all stupid
        or are there logical reasons why the IMF and World Bank are bad?
        The news doesn't seem to present both sides of the story and I
        would like to hear a rational argument from the protestors point
        of view before forming an opinion.  Thanks. -emin
        \_ many people are protesting because the money goes to corporations
           and adds to environmental problems and does not help the poor and
           leaves the countries at the beck and call of the IMF/World Bank
           until the loans are repaid, which in the case of very poor nations
           is basically forever.
        \_ How many of those 'loans' do you see being paid back?  Many of
           the developign countries are defaulting or threatening to default
           on their loans.  Hence the desire to lower interest rates.   And,
           of course, a loan at below-market interest rates is essentially
           a form of foreign aid.
           \_ I love shotgun compassion.  "Give us your money or we will put
              you to jail, so we can give it to random corrupt governments
              elsewhere as foreign aid."
        \_ Three words: Impossible Mission Force
      __
  \__/ .\/ tweet tweet
  /     /\
  \____/
   | |
   ^ ^
2000/2/3-4 [Finance/Banking, Finance/Shopping, Finance/Investment] UID:17416 Activity:high
2/2     According to McCain, he's for Social Security and "paying down
        the debt."  When we pay down the debt, who benefits the most?
        IN other words, who holds certificates to our nation's debt?
        \_ The CHILDREN.  Won't somebody *please* think of the CHILDREN!
        \- er, i think you are misunderstanding what this means. the
        alternative to paying down the debt isnt defaulting. paying down the
        debt really means you will slow down the rate of issuing new debt.
        you have to finance deficit spending either by borrowing [in which
        case the govt competes with private industry for savings, raising the
        cost of money, i.e. the itnerest rate] or the govt can print money, an
        option not open to a private individual/firm, but not totally free
        for the govt either, since paying back with inflated dollars is kind
        of a partial defualt. quite a bit of US treasure instruments are
        held by foreigners, btw. --psb
        \_ I think you are misunderstanding the question. The person asked
           who will benefit by the paying off of the National debt, not
           what effect it would have upon any (hypothetical) future deficit
           spending.
          \_ #1 holder of US Treasury products is Americans.  Japanese #2.
                        I think Chinese have recently started buying huge
                        amounts.
        \_  Why do you think that the Gov't's lenders want to be paid
            back instead of continuing to be paid interest?  And remember,
            this is money they already gave the Gov't.  Right now I think
            $200G goes to paying iterest on our debt.  How much does our
            military cost?  --PeterM
                        \_  My point (admittedly unclear) about the military
                            is that the interest on our debt could go a long
                            way to paying the military budget.  --PeterM
                \- if you look at debt/GDP for the us, the number isnt too bad.
                the problem here isnt high debt, but extrmemely low private
                savings rate. --psb
                \_ You want to dump the military?  Which foreign language
                   would you prefer to learn to talk to your new leaders?
                   \_ Japanese! :-)
                        \_ right. in japan, you'd be lucky to find people to
                        openly express themselves in public conversation like
                        this.
                        \_ thats why I like it. And no more stupid
                           "gay marriages" either.
                          \_ If you want to live in a cultural clam shell, go
                             there.  No reason to destroy this country when
                             Japan is only a plane flight away.  To each his
                             own.
                          \_ No tipping!  Schoolgirl panties in vending
                             machines!  It's a utopia!
                                \_ And blue dots on all the pr0n.
                                  \_ Blue Dots are Artistic, or something. --oj
                                        \_ Pubic hair is banned.  Rape is ok.
                   with nukes at our disposal? The age of true tactical warfare
                   on a large, sustained scale are long gone. Red Storm Rising
                   will never occur in an age of easy and cheap nuclear armament.
                   \_Screw the military, we have nukes, who's gonna invade us
                     with nukes at our disposal? The age of true tactical
                     warfare on a large, sustained scale are long gone. Red
                     Storm Rising will never occur in an age of easy and cheap
                     nuclear armament.
                        \_ You're neither funny, nor clever, nor a good troll.
                   \_ You're an idiot.  Or this is a weak troll.  Or both.
                      Either way, there's no point in providing a serious
                      reply.  No military = pick your new foreign leadership.
                   \_ We should take all the welfare cases, issue them with
                      little mind control helmets, and give them all backpack
                      nukes.  That would rewl.  Also, we should get rid of all
                      our tanks and buy a few hundred thousand Daihatsu Grand
                      Moves (the really narrow minibuses that always tip over)
                      and put Davy Crockett XM-28 recoilless atomic cannon on
                      the top of them and fill them with TNT and have these
                      massive swarms of little stupid-looking minibuses
                      with bigfoot tires chewing up the countryside lobbing
                      rapid-fire atomic munitions at the enemy before ramming
                      them in a blaze of glory.  We'll get rid of INS and
                      customs/border patrol too, and replace them with massive
                      300-deep belts of of B-54 SADM nuclear land mines.  We
                      will take care of our strategic interests by building
                      a titanic post-hole digger and dropping massive amounts
                      of nuke silos in the entire midwest, side-by-side.
                      Problems with Iraq?  Send 'em a few Minutemen IIs for
                      fun.  China acting up?  Santa's bringing a bag full
                      of Titans with 20MT warheads to Peking.  All US-flagged
                      vessels will be replaced with TridentIII subs (let the
                      cruise-line geezers swim) and all US air carriers will
                      be required to replace their planes with B-70s, for
                      extra impressive value.  Slim Pickens for president!
                      Nukular Fucking Weapons!  We'll be invincible!    -John
                   \_ You're an idiot.  Or this is a weak troll.  Or both.
                      Either way, there's no point in providing a serious
                      reply.  No military = pick your new foreign leadership.
                        \_ John, you my hero.
                        \_ Oh My God John I just creamed my shorts.  I wish
                           I wrote that.                -brain
                        \_ Funny how I knew this was John by line 2.  I got
                           as far as "mind control helmets".
                \_ I would totally LOVE to keep and save all the money that the
                   social security system is taking away from me to squander
                   on  the retirees of today.
                        \_ You get your turn when you're retired to screw the
                           children and grand children of the people who are
                           screwing you now.
                           \_  Unfortunately, I am of post-babyboom and
                               pre-echoboom, meaning that I get screwed
                               and when I try to screw, they have the
                               numbers to share the burden.  Maybe that
                               means I will have a comfortable retirement
                               even if I spend all my money today.
                                \_ Me too and no we won't because the 'echo
                                   boomers' are going to make sure there's lots
                                   of SS money in place before they get there.
                                   They'll outnumber the old geezers.  We'll be
                                   fine.  SS isn't the kind of program that can
                                   be changed over night and it isn't going
                                   away any time soon.
        \_  Pay down the debt = interest rates go down, bonds are less
            attractive (capital is cheaper), money is distributed to more
            efficient uses (ie. capital) ...  Virtually every credible
            economist, including Greenspan, supports paying down the
            debt before taxes.  The benefits of paying down the debt
        assumption of 1.5% average annual growth rate, which is way conservative.
        The average for the century (with Great Depression and all) is something
        like twice that, not to mention current growth rates...
            outway lower taxes.
                \_ Too bad we do neither to any great degree.
        \_ Ah, the sound of young impressionable minds soaking up libertarian
        propaganda. Government debt is not like yours or mine. Most of the
                           lack of a name in an inherintly anonymous forum.  I
        government debt is owned directly or inderectly (eq via pension funds)
        private individuals. So, we have a bunch of ordinary Americans repaying
        another bunch of ordinary Americans. Who exacly is getting a better deal
        - the lenders or the borrowers is, as usual, far from clear.
        The very popular study of Social Security going broke is based on the
        assumption of 1.5% average annual growth rate, which is way
        conservative.  The average for the century (with Great Depression and
                             \_ Oops, sorry I wrote that.  -- ilyas

        all) is something like twice that, not to mention current growth
        rates...
        Does the above poster imply that "Greenspan supports lower interest
        rates"? (simple transitivity) The way I understand Federal Reserve's
        current approach is that they see issuing government paper as primarily
        an instrument of monetary policy, not fiscal policy. -muchandr
        \_ Hey Muchkin, I never had a chance to ask what your political views
           were. -- ilyas
           \_ Then don't. Not on the motd.
              \_ Hey, the man isn't stupid, he can write me.
                 And sign your name.
                 -- ilyas
                 \_ What's up with the obsession with signing one's name?  If
                    they wanted to they would have in the first place, duh.
                    \_ Coward. -- ilyas
                        \_ G-duh! You're such an idiot.  "Anyone who doesn't
                           post everything with their real name like me is a
                           coward!!!!  -ilyas".  Sheesh, you and Tom.  At least
                           Tom is mature enough now to stop drooling over the
                           anon posters and dismissing them entirely merely for
                           lack of a name in an inherently anonymous forum.  I
                           suspect it'll take you even longer to grow up since
                           you're clearly less intelligent than Tom.
                           \_ It's 'inherently.'  And the motd isn't inherently
                              anything.  You can choose to sign your name and
                              stand by your words like me, or Tom, or psb or
                              you could just be an anonymous bombardier whose
                              words don't carry any weight. -- ilyas
                             \_ Anonymity does not make the words any less true.
                                And signing one's name doesn't make the words
                                any more true.  You're a perfect example of
                                the latter.  You sign everything yet your words
                                signify nothing.  Numerous anonymous people
                                here have provided a lot of useful and accurate
                                information.  Anonymity has nothing to do with
                                the quality or value of the contribution.  And
                                yes the motd is inherently anonymous as there
                                is no signing requirement or method to enforce
                                such a thing.  The default is anonymity.  If
                                you choose otherwise, that's nice, but not at
                                all relevent to anything.
                                \_ If they signify nothing then replying is
                                   a waste of time.  At any rate, I am of the
                                   opinion that truly tasteful flaming has to
                                   have a name behind it.  God knows there are
                                   lots of people I don't like, and I never
                                   had a problem telling them this to their
                                   face.  -- ilyas
                                   \_ I'm glad you're happy being a loutish
                                      boor.  The rest of us try to get along
                                      and mostly shut the fuck up when we don't
                                      like someone because telling them so won't
                                      improve matters and often makes it worse.
                                      And what does tasteful flaming have to
                                      do with anything?  Feeling like a topic
                                      change?
        \_ Since low private savings rate is considered a problem, what are
           are some approaches to increasing the incentive for private
           savings.
1999/11/30-12/1 [Finance/Banking, Recreation/House, Computer/HW/Drives] UID:16974 Activity:kinda low
11/30   Hi, I'm looking for a reference CD-ROM on trees and plants. I went
        to a couple of Frys stores and they didn't seem to have it.  I'm
        wondering if encyclopedia CD-ROMs have that info.  Stuff like
        temperature and water requirements for trees and plants, what kind of
        soil they need, etc.  Thanks.
        \_ http://www.sunset.com/Books/cdroms/WesternGardenCD.html (Sunset
           Magazine's _Western Garden Book_ on CD-ROM.) -- kahogan
           \_ Thanks a lot kahogan!
1999/8/28 [Finance/Banking, Computer/HW/Drives, Recreation/Media] UID:16417 Activity:nil 57%like:15884
8/26    Star Wars in ASCII! http://www.asciimation.co.nz  --dim
1999/8/11 [Finance/Banking] UID:16288 Activity:kinda low
8/10    Why doesn't Arizona use daylight savings time?
        \_ Hawaii doesn't either.  No farms in Hawaii or Arizona?
        \_ And why does the Navajo Nation do?
        \_ Why is China all one time zone?
        \_ Why should they?
           \_ So that it'll be in sync with most of the country, I'd think.
1999/4/2 [Finance/Banking] UID:15689 Activity:nil
4/1     Anyone willing to sell/loan out some CRACK (and PCP
        if you have it) to a poor game needy graduate student?  - seidl
1999/3/24-25 [Finance/Banking] UID:15645 Activity:nil
3/24    What exactly is "money market"?  How is it different from regular
        savings account that earns interest?
                \_ <DEAD>fyiowa.webpoint.com/finance/sv_mma.htm<DEAD>
1999/3/3 [Finance/Banking, Computer/HW/Drives] UID:15522 Activity:high
3/2     I got this "11 CDs for the price of 1" deal from BMG Music Service
        in mail.  Are these CD club things real?  Are they traps?  Thanks.
        \_ BMG is pretty good because you only have to buy one.  Columbia
           house is bad because you have to buy more than one.  However,
           keep in mind that you still pay shipping for the 10 "free" CD's.
           When you factor that in, the free CD's come out to be about
           $2.50 each, I think.  It's still a good deal, though.  - mikeym
           house is bad because you have to buy more than one.  Keep in mind
           that you still pay shipping for the 10 "free" CD's.  When you
           factor that in, the free CD's are about $2.50 each.  It's still a
           good deal, though.  - mikeym
           \_ I got dicked by Columbia House once;  they did not respond
              to multiple requests to cancel my "membership", even after
              after I sent back multiple CDs with "CANCEL MY MEMBERSHIP"
              letters (I'd fulfilled my part of the deal and bought the CDs
              I had to, which were pretty good.)  They kept sending me discs
              and ignoring my phone calls, so I just started keeping them,
              which is when I got hit by lots of nasty letters.  A few
              angry phone calls eventually set them straight, but it was
              a big pain in the ass.  -John
              \_ Does BMG use the same trick to make money?
                \_ They both take an enormously long time to respond to
                   cancellation notices (like 3 months).  However, you can
                   respond to their mailings on-line.  CH also has this
                   new thing were you do not need to respond to their
                   mailings unless you want to receive something.
                        \_ BMG is starting that now too
        \_ bmg thinks e-mail spam is a valid form of advertising. boycott them.
        \_ I've joined both BMG and CH multiple times -- unless the system
           has changed recently, BMG CDs average to $3.50 each, including
           shipping, and CH Cds are $5 each.  BMG has a pretty small
           selection, though, and so now I generally use CH.  -niloc
1998/11/25-29 [Finance/Banking] UID:15030 Activity:low
11/25   Does anyone know of a credit union/bank that will loan to students
        on a relatively low interest rate? perhaps $2000/1yr?
        Thanks ...
        |_ You could see about a standard student loan, I think they have
           nice rates and interest deferred until you graduate etc.
                \_If you can get yourself a perkins loan, the deferred
                  interest is 5%, as opposed to the adj rate of direct
                  loans which are 7+%.
                \_ Get a credit card with a low introductory rate, and ask
                   for convenience checks.
                \_ Some convenience checks charge 2-3%...read the fine
                   print.
                        \_ Actually, I got a Southwest VISA card with a
                           low introductory rate, and they haven't charged
                           me for using their convenience checks. But yes,
                           do read the fine print.
                          \_ but they do charge the normal cash advance
                             interest, which is typicall 14-19%/yr
1998/11/23-24 [Finance/Banking] UID:15009 Activity:high
11/23   Bank of America on-line banking SUCKS BIG TIME. It is full of graphics
        and everything is friggin' slow. Does anyone have similar experience
        w/Citibank? Is it worth switching to? Thanks.
        \_ I have been using the one with Chase Manhattan and it's quick
           enough for me who has to call international as I cannot use
           their toll-free numbers from Tokyo.  (FYI:  The toll-free
           numbers in US work as toll-free only in US, and the ones in
           Japan work only in Japan.)  Their 24 hours telephone customer
           service is good as I can call collect.  --yumin
        \_ online banking?  What can you do with online banking that you
           \_ Paying bills to Pag Bell, PG&E, etc.  Getting a transaction
           can't do with a checkbook and an ATM card?
           \_ Satying in the comfort of your little cubbyhole of a cubicle.
              And in some areas, not haveta worry about being mugged at the
              ATM.
              \_ since when did personal computers start dispensing cash?
                 \_ not everyone goes to an atm to deposit/withdraw cash.
           \_ Paying bills to Pac Bell, PG&E, etc.  Getting a transaction
              history in spreadsheet or Quicken format.  Staying dry while
              xfering from checking to savings/credit card.
1998/11/3 [Finance/Banking] UID:14886 Activity:nil
11/2    San Francisco Book Fair this weekend -- check out http://www.sfbook.org
        if you're interested.  They usu. have lots of authors, signings,
        deals on slightly damaged books, etc.  --tabloyd
1998/8/27 [Finance/Banking] UID:14520 Activity:high
8/26    Late Night Denizens of Soda Rejoice!  BofA is bringing you an ATM!
        Watch for a versatel machine to appear this fall at the cafe on the
        roof of Bechtel Hall!
        \_ Sounds bad for Le Petit & Seven Palms...
             \_ Oh, it sure does! I bet they'll go out of business now!
                YOU ARE A PATHETIC EXCUSE FOR AN ABORTION AND YOU WOULD BE
                MARKEDLY IMPROVED BY INDEFINITE TORTURE.  -(fucker)
        \_ I wouldn't rejoice at a new BofA ATM appearing _anywhere_.
           "Hey! $75 transaction fee for non-customers who withdraw
            from this ATM!"  Couldn't the School of Engineering have cut
            from this ATM!"  Couldn't the powers-that-be have cut
            a deal with a credit union, or some less profiteering bank?
                                \_ like C.U.B.S. for example, something
                                   that would have made _sense_ and been
                                   good for the students...
1998/6/24 [Finance/Banking] UID:14246 Activity:high
6/23    Up to 4 tix for Lillith fair tomorrow Wed 6/24 to sell. Lawn seats.
        $20 each ($13 dollar savings each inc. BASS fee). -moray 649-8791
        \_ 2 tix, now. (As of 11am, I'm not going).
2017/09/24 [General] UID:1000 Activity:popular
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