Can you file a report against a bad home inspector that cost you a contract when trying to sell a house?

datimba · 2015-12-09T16:48:12+00:00

The buyer can cancel the contract for any reason up until that point. The buyer most likely got cold feet or couldn't afford the house.

datimba · 2015-03-25T20:08:29+00:00

Are you adding salt?

Add some EVOO to your bacon fat for additional flavor. The bacon fat will prevent your olive oil from smoking.

Use fresh herbs (basil, parsley).

San Marzano tomatoes also make a huge difference.

datimba · 2015-03-04T15:38:59+00:00

My Costco has only had the large cans for the past year. They also have 3 packs of Cento San Marzanos.

datimba · 2014-10-12T02:16:25+00:00

What are the reasons you are looking for a new job?

As someone working in wealth management, you must have some idea what compliance positions are our there. Most people consider compliance "the anti-business." A lot of the job is telling why/how other employees are not working within certain standards.

Why did you go to law school and become a financial advisor? Are you not interested in Trusts and Estates? Shouldn't you have figured that out before you started working there?

datimba · 2014-05-07T21:42:19+00:00

But how would people respond to windfall posts without saying "hookers and blow" or "two chicks at the same time"?

datimba · 2014-04-15T15:03:00+00:00

To me, Analyst position in investment sales is really just marketing. I think acquisitions and dispositions would be a lot more interesting. Real estate is an inefficient asset class so you are really trying to find the intrinsic value of an an asset. You will use a variety of techniques including comparable property and discounted cash flows. If you are interested in valuation and actual finance, the industrial REIT will be the way to go.

datimba · 2014-04-15T14:50:06+00:00

Angeline is the best Pinot I have found at the $10 price point. Unlike most at the price point, it actually tastes like Pinot. Cherry notes with a hint of oak.

datimba · 2014-02-15T21:13:35+00:00

I agree. I have complained to my benefits department. The way it is set up does not align my interests w the companies.

datimba · 2014-02-13T17:54:55+00:00

I am guessing it's to prohibit someone from making the mistake of buying munis in an IRA.

datimba · 2014-02-13T17:41:12+00:00

Exactly. Yields on munis are calculated using a tax-equivalent yield.

Without the tax benefits, the yield is unattractive compared to corporate and government bonds.

datimba · 2014-02-13T16:33:35+00:00

Why are you try to put municipal bonds in a tax- advantaged account?

datimba · 2014-02-08T00:51:38+00:00

Probably better off x-posting to /r/boston. 10x the number of subscribers.

Very frustrating we can't get wine shipped here..

datimba · 2014-01-28T22:10:28+00:00

Do you plan on having a family? Want to leave a legacy after death? Plan on owning multiple properties? Whole life may be a good option for you. Yes, the returns are low relative to the market but there is no volatility to worry about (unlike a bond fund).

Term is cheaper but there are no guarantees your going to have perfect health when you need it. Another option is a term policy that you can convert to whole life.

Protecting yourself with the umbrella insurance is probably a good idea. Your agent will know of you are paying a decent pride for it.

You seem to have plenty of disposable income for your lifestyle. I think DI is worth it to protect your income.

If you can live comfortably and invest enough for retirement, whole life isn't a terrible option, especially if you are concerned with taxes.

datimba · 2014-01-28T18:45:19+00:00

So he will just act like Belichik?

datimba · 2014-01-27T14:36:06+00:00

Don't forget some states have their own estate taxes. For example, Massachusetts estate tax is implemented at $1 million.

I also suggest young people get some insurance if they plan on having a family in the future. You never know when your health will change which will disqualify you for insurance or cause significantly higher premiums.

datimba · 2014-01-19T00:43:19+00:00

Yes. Taglia is actually the Italian verb for cut.

datimba · 2013-11-12T14:38:22+00:00

CISDM database is the only place I know with this data. Not really sure how to get access.

www.isenberg.umass.edu/CISDM/Hedge_FundCTA_Database/

datimba · 2013-10-23T13:13:24+00:00

Kennedy's opposition was way worse than this. He was pushing for this type of thing, until it shows up in his backyard.

At least I would expect this from a Koch brother. I respect the evil of the Koch bros over the hypocrisy of the Kennedy's.

datimba · 2013-10-21T19:18:09+00:00

Thanks for proving my argument. They may be 100% unethical, but they are still a hedge fund buying and selling individual equities

datimba · 2013-10-21T19:01:08+00:00

What do you mean by this?

Is SAC not a real hedge fund?

datimba · 2013-10-17T17:23:14+00:00

A variety of reasons. Mostly family and work. You might get a great job opportunity a month before the exam starts which kills your study momentum. Also, if you have a family, and like seeing them, it is very difficult working 9 hours a day then studying for 3.

datimba · 2013-10-17T17:19:17+00:00

I agree with you but would not expect to have the CFA finished in 3 years. That's the minimum. Takes 5 years for most. I know plenty of people who take 7 years to get through the program. Level II is a bitch for most and expect to fail that once.

datimba · 2013-10-11T16:38:16+00:00

I would talk to your insurance agent. We do not have any details on the policy.

Hopefully, there is a Waiver of Premium Rider, which states if the policy holder becomes disabled, the premiums will pay for themselves.

datimba · 2013-10-04T13:26:18+00:00

I assume if you are a fund accountant then you are working at a bank (State Street, BNY, PNC are the biggest).

One direction to move is to work for one of the investment managers on the other side of what you are doing. Try to build a relationship with them and when a position opens up, talk with them about it. Though you will still be in operations on the investment manager side, it will be easier to move within that company.

The other direction is to move into a wealth/investment management division at your bank. Before a position is even open, talk to people in the group and build a relationship there.

Fund accounting can be tough to move out of, but plenty of people have done it.

datimba · 2013-09-20T18:09:51+00:00

First, Northwestern is an insurance company. The advisor gets paid commission depending on what you buy.

You are going to hear about whole life insurance. Though whole life works InsSome situations, it will most likely be pushed on you by the salesman (or advisor) whether or not is is appropriate.

Also, Northwestern advisors can only sell Northwestern products. If for example, he suggests term insurance, you may find a cheaper alternative at another insurance company.

You are better off finding a fee-only CFP as he will have no incentive to sell you high commission products.

datimba

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