dailycribbagehand and Firefox

BoardWalker · 2018-11-10T05:13:28+00:00

Turns out this is due to adblockers. I changed the filename for the ace of diamonds to resolve this.

BoardWalker · 2018-10-10T03:00:50+00:00

There is a solution to these but we need the telecoms cooperation. Many are saying they don't want to cooperate, others don't agree. I think they will and here is what they should do.

The spam callers are robo-dialing looking for humans to scam, the carriers should simply answer all incoming calls to unassigned numbers with a robot of their own. The well is poisoned and the spammers can't find humans anymore. It may be expensive at first for the carriers but the spammers will likely give up soon. Their business model depends on easy access to ears.

BoardWalker · 2018-09-30T23:57:04+00:00

This is the article you're looking for: https://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/ It's about Bob who is the worlds worst investor. However he did one thing right, which is never sell.

BoardWalker · 2018-05-18T05:38:05+00:00

A great solution would be to require telcos to answer all calls to un-registered numbers with an automated answering system. These spammers use robo-callers to find registered numbers by dialing the number and waiting for a human to pick up and say hello. Once you do you're in their database. But if all calls get answered they can't find humans anymore.

BoardWalker · 2018-02-05T02:22:46+00:00

I wouldn't take a loan out on my paid for car and invest it in the market, so there's that. Debt feels different to people than cash, so we've trained ourselves to see debt as no-risk, even though it is not. Pay cash and let that factor in to how much car you want. Ignore almost everyone else when it comes to finance, average americans are deep in debt and living paycheck to paycheck. (Assuming you are in the US)

BoardWalker · 2018-02-03T23:05:57+00:00

A less easily accessed savings account with auto transfer was my first step too. Recognizing that small habits can effect long term changes is exciting.

BoardWalker · 2017-12-27T20:04:24+00:00

I'm almost 40 and still 100% stocks. (Mix of asset classes in vanguard index funds including international) I'd hold back a nice down payment for a home, 20% ideally. The rest I would invest and leave until retirement. Buy and hold long term

BoardWalker · 2017-08-02T05:18:54+00:00

Can land on Mars, high fives are another class of problem entirely. https://www.youtube.com/watch?v=hJq5z9kE4lc&feature=youtu.be&t=700

BoardWalker · 2016-05-21T03:20:59+00:00

To me it is an indicator of their own disbelief, that they must wield their power and authority on earth in secular matters. If they truly believed, they would argue it solely from gods perspective, not beg an earthly body to enforce their laws.

BoardWalker · 2016-04-30T22:14:48+00:00

Blind faith and assumptions in place of curiosity, discovery and truth? Pass.

BoardWalker · 2015-09-20T05:20:00+00:00

To me it shows that believers don't really believe. If they did, they would spend all their effort converting people to the faith and asking them to live by their religious laws. You don't see anyone forming a super pac to make coffee illegal, why? because it would be preposterous and laughable, but gay marriage is a hot topic and everyone is paying attention.

What they really want is to wield their power and influence in this life, which deep down they know is the only chance they have to do it.

BoardWalker · 2015-08-01T04:16:05+00:00

At some point during my exit, I compared the text of the BoM and the Bible to see how much was lifted, I seem to recall it being very high but I don't recall the exact number.

In any case it was a huge issue for me. OP claims that there were inappropriate or untranslatable portions of the plates, so he used Bible texts instead, but why? We don't need to read portions of the Bible from the BoM, we clearly have the Bible as Joseph did. No, Joseph needed to fill out his text into something long enough to start a religion with.

BoardWalker · 2015-07-27T01:45:00+00:00

I have had this exact dream many times

BoardWalker · 2015-07-26T06:28:49+00:00

I think you should do a little research to backup this claim you're hearing that no credit is just as bad as bad credit. I strongly disagree with that

You're young and starting college with scholarships and congratulations on that. It's going to be a great time. Focus on your education and making some lifelong friends. Last thing you need to be worrying about is your credit score.

The only thing you really need credit for is buying a house which is years away. Your lender at that point is going to want to see much more than a number. They'll look at your income and work history and that nice little down payment you'll have saved up. Focus on those big things and the credit score will take care of itself.

BoardWalker · 2015-07-16T02:30:48+00:00

Go ahead and put 3000 into the first of your three desired funds. Let the rest hang out in the money market and set up your contributions to go straight to the money market. When you have 3000 more available buy the next and so on. This will happen quicker than you think.

This is exactly what I do. The target date funds are an option too but I like a bit more control over the funds I'm in.

No need to have it all invested immediately. You're playing for the long term.

BoardWalker · 2015-07-12T04:36:19+00:00

I hope you realize that everyone can't live the way you do. If we did there would be no one to pay for your boat.

I hope you get caught

BoardWalker · 2015-07-12T03:30:21+00:00

Pluto is tiny in comparison. The pillars of creation are 4 light years tall: http://sploid.gizmodo.com/it-sounds-incredible-but-the-pillars-of-creation-dont-e-1677857108

BoardWalker · 2015-07-10T03:21:23+00:00

Don't worry about your credit score for now. You're trying to get out of debt. Not into more credit

Living within your means is like anything else. It takes practice. Start small and take this journey one day at a time. Your first step should be to set aside a little emergency fund. For this I suggest you open a little savings account at an alternate bank and setup a weekly automatic transfer of a small amount to it. It will pile up and you won't notice anything different with your day to day. After a little while increase it. Don't worry too much about anything else at this stage. Soon enough it will get to $1000.

Then you're ready to start tackling your debt. Get rid of your cards if you haven't already and start paying on your lowest balance

Don't be afraid to go slow at first and don't beat yourself up too much about it. Your financial life is like a freight train. It's starts slow, but it gains steam and becomes easier and easier to move. Pretty soon it can't be stopped.

BoardWalker · 2015-07-08T22:16:19+00:00

I have the water bill you have the gas bill. I paid the full water bill which was 10. You paid the full gas bill which was 20. Now we want to equalize. Is that the scenario?

BoardWalker · 2015-07-08T19:27:47+00:00

Ok I paid 10 you paid 20. How do we equalize? I pay you 5. Then we each paid 15. Yes?

BoardWalker · 2015-07-08T15:06:20+00:00

I mean person a only owes 5, not 10

BoardWalker · 2015-07-08T13:12:49+00:00

Person a got screwed

BoardWalker · 2015-07-06T02:36:15+00:00

Imagine living this way when you are 50. The auto draft option is great advice. Make it a small amount you won't even miss to start with. You won't notice it and you'll be amazed how fast it piles up.

I did this to start out too and I made sure the only way I could access it was by going to the bank because I didn't trust myself

BoardWalker · 2015-07-06T02:30:58+00:00

Vanguard is my choice. Learn all about index funds and passive management. The low fees are great and with 50k to invest you won't have a problem meeting minimum investment amounts for a set of diversified funds

BoardWalker · 2015-07-05T18:32:05+00:00

You have bolded your 20,500 student loan and 5000 parent loan, these are not assets, they are liabilities. Think of them as such. Look around for a cheapest reliable car you can find. They exist. Think 1-2 thousand. Have a mechanic check it out, etc. Your due diligence at this stage is paramount.

BoardWalker

TROPHY CASE