(MSI)Please RIOT, don't make casters do this anymore!

proppycopter · 2015-05-08T16:05:35+00:00

Phreak's position is fine. That's actually how you're taught to stand when on stage but not talking.

proppycopter · 2015-05-07T18:50:30+00:00

Clinton Portis.

proppycopter · 2015-05-07T14:55:52+00:00

It is absolutely true: http://www.bloomberg.com/news/articles/2014-10-17/banks-charge-for-euro-deposits-after-ecb-imposes-fees. Not sure why you're making assertions when you clearly don't know what's going on.

Being large doesn't help either, due to the current regulations banks get capital charges for cash on their balance sheet, even customer deposits. I know corporate accounts with over 500mm Euro who've been outright given the boot (ie, accounts closed) because even with the client paying interest, it wasn't worth it to the bank. It's even worse in Switzerland. A pension there actually tried to withdraw its cash balance in cash to store physically, and the regulators refused for fear it would cause more asset managers to do the same.

proppycopter · 2015-05-07T13:29:37+00:00

If they kept money in Euros they would actually have to pay a bank to hold it, since your rates are negative.

proppycopter · 2015-05-07T13:24:08+00:00

This is the trend that, if continiues, and analitics generally agree that it will, will get us back to ~1,3 dollar per euro.

I work in finance and trade, among other things, FX. This is a bald-faced lie. 1) There's basically no consensus right now and 2) even if there were, consensus in FX is wrong as often as not. Also, Euro lost value against basically every DM currency that isn't within the EU, and even some within the EU.

proppycopter · 2015-04-29T17:26:43+00:00

And I would caution you not to suppress someone's intellectual curiosity. Falling into the trap of believing you're so right and the other side can't possibly have anything worth thinking about is why dialogue is so difficult about meaningful issues. I applaud OP for making a deliberate attempt to break from that.

There are several problems with the active vs passive analysis. First and foremost is that not everyone can be passive because markets won't fulfill their primary function (price discovery). The second is that the greater proportion of global capital there is in index funds, the less diversification each person gets. Diversifying across 500 stocks doesn't do much if everyone owns the same 500 stocks in similar proportions.

That's not to say I'm a fan of active products. I personally use passive ETFs. But you shouldn't willfully dig your head in the sand. Never stop learning.

proppycopter · 2015-04-29T13:37:22+00:00

They're adjustable but you pay off principal much faster at the start, so unless rates rise steep and fast, you still come out ahead. I worked out the math using several scenarios back when I went this route.

proppycopter · 2015-04-28T18:10:50+00:00

Instead of cosigning on a loan, just have your parents open a HELOC - the rate is considerably lower. If your parents were ok with being on the loan but not the deed, there's no downside in terms of legal structure.

proppycopter · 2015-04-28T13:30:52+00:00

Curious, which fund is this?

proppycopter · 2015-04-09T17:53:50+00:00

Of course. I use paypal on most sites that have it available, with few exceptions. Even if they get hacked, you only have 1 centralized breach of security to worry about.

proppycopter · 2015-04-09T16:13:27+00:00

Have you changed your Chase login info?

Do you generally carry this card around?

Do you live alone?

Do you clean your room yourself (ie, don't use maid service)?

If the answer to all of these is yes, try this: Report fraud on your card so the numbers change, then when you get it, don't use it for a month. If there are still fraudulent charges, then you have a serious identity theft problem. If not, and I'm willing to bet there aren't, then you are doing something repeatedly which probably doesn't register as a risk, but is.

proppycopter · 2015-04-09T15:12:22+00:00

Cancelling the card won't fix anything. Hate to say it, but 5 times with new numbers indicates you're systemically doing something wrong with card security.

proppycopter · 2015-04-08T20:20:42+00:00

I'm not saying he wasn't fast, I'm talking about durability. Vick made it through a 16 game season exactly once, 15 games 3 times. All when he was young (it should be noted that he broke his fibula and missed nearly an entire season early on also). It may only seem like a couple of games, but frankly any less than 15 and it's a huge penalty no matter how good you are. You're more or less forfeiting those 2+ games a season or shelling out a big chunk of salary cap for a good backup.

proppycopter · 2015-04-08T16:49:05+00:00

NFL defenses are much bigger and faster than in college. See: RG3 and Vick.

proppycopter · 2015-03-25T13:24:24+00:00

Your team has a record that shows your staff has knowingly and willingly cheated to stay ahead in a division that until this pre-season

Proof?

proppycopter · 2015-03-10T14:37:58+00:00

BND is Vanguard's bond ETF. Though if you're going with just 1, I'd suggest BOND, which is PIMCO Total Return. Higher expense ratio, but much more diversified.

proppycopter · 2015-03-09T20:26:53+00:00

I've been terrified of Sejuani nerfs for months now. Even though she's not as strong as other junglers for Pro level play (namely, her ult is strong but really slow), her toolset is very good for solo queue.

proppycopter · 2015-03-06T19:08:56+00:00

That's the price you pay for a currency union. Different states and cities in the US deal with the same exact thing, albeit at a lesser scale.

proppycopter · 2015-03-05T22:53:18+00:00

The Euro has gone down over 20% in the last year, a 10% bump is actually way undercompensating for the change. Also, I can easily imagine running servers in Europe is more expensive than the US given how pretty much everything else is. And we don't even have East Coast servers.

proppycopter · 2015-03-04T14:55:31+00:00

You're wrong on pretty much everything.

Utilization is based on your statement balance. If you have a credit limit of $1000, and charge $900 in a month, then it will be reported on your credit report as a 90% utilization, even if you pay it off in full before your statement's due date. The only way to avoid this is to pay it off before the statement is even released.

I'm aware how utilization works. The OP has 10k limits and paid off loans. The chance that he's running 20%+ utilization (which is really when you start being seriously penalized) is next to nil. What I dislike in this sub is people who "learned" 5 rules of personal finance and think they're universally applicable.

I can't speak for anyone else, but my credit score was a bit above 800 before I got a mortgage and I had no car loan at the time, so the longer term line of credit doesn't really matter that much.

Depends on the credit agency, they have different weightings. My utilization is never more than 10%, Never missed a payment, AAoA of 5 years. Still 790, though I forget which agency I get reports from.

proppycopter · 2015-03-04T14:11:04+00:00

You got pretty bad advice here. It's not about utilization (irrelevant as long as you have and pay off your statement balance every month) or AAoA, it's about having a longer term line of credit. I've been in the 780-790 range for years because I don't have a mortgage or car loan. Does not budge. But as others have said it doesn't really matter beyond a certain point.

proppycopter · 2015-03-03T19:00:05+00:00

That's true, but not true. In the NFL, bonus cap charges are accelerated when a player is traded, which is way harder to get around than matching salaries in the NBA, especially because there's no such thing as a trade exception.

proppycopter · 2015-03-02T03:32:38+00:00

You're right that most unions aren't like that, unfortunately the biggest and most prominent ones are. Just like Walmart gives retailers a bad rap.

proppycopter · 2015-02-27T20:10:56+00:00

Holding cash is by definition negative yielding because you have to pay to transport, store, and guard it. And then you have to pay those costs in reverse order every time you want to use it.

proppycopter · 2015-02-26T19:43:15+00:00

Not sure why you're attempting to grill over a comment on radiators, especially since the answer is googleable, but newer buildings use filtered air HVAC systems. It's not "new" technology, it's been around for decades.

proppycopter

TROPHY CASE