[CricketOnTheHearth]

Just read Nostradamus’ comment.

Wow, and ow.
That was naiive.

And I thought I was a sucker for believing the USPA & IRA salesman who drove a big white Cadillac, and losing $600 on a front-loaded mutual fund that was totally inappropriate for my investment desires.

Never, never, never let anyone but you handle your personal accounts. NEVER.

>chirp<

[CricketOnTheHearth]

Just read Nostradamus’ comment.

Wow, and ow.
That was naiive.

And I thought I was a sucker for believing the USPA & IRA salesman who drove a big white Cadillac, and losing $600 on a front-loaded mutual fund that was totally inappropriate for my investment desires.

Never, never, never let anyone but you handle your personal accounts. NEVER.

>chirp<

[CricketOnTheHearth]

Just read Nostradamus’ comment.

Wow, and ow.
That was naiive.

And I thought I was a sucker for believing the USPA & IRA salesman who drove a big white Cadillac, and losing $600 on a front-loaded mutual fund that was totally inappropriate for my investment desires.

Never, never, never let anyone but you handle your personal accounts. NEVER.

>chirp<

[CricketOnTheHearth]

Just read Nostradamus’ comment.

Wow, and ow.
That was naiive.

And I thought I was a sucker for believing the USPA & IRA salesman who drove a big white Cadillac, and losing $600 on a front-loaded mutual fund that was totally inappropriate for my investment desires.

Never, never, never let anyone but you handle your personal accounts. NEVER.

>chirp<

[CricketOnTheHearth]

Granted, the statement that it was “a group of mostly Filipino nurses in Temecula” was neutral enough, and served for purposes of identifying the particular players in question.

However, the way in which “Pinoy”, “Pinay”, and “jeepney” were used seemed a bit harsh and condescending to me. Not that the words themselves are condescending, but it was the tone of voice… even an innocuous word like “Boy” can be grossly insulting in certain contexts.

I heartily agree with others who state that if the return is greater than normal, so must be the risk, despite what anyone tells you. Unfortunately, greed is a powerful impulse, especially when you are feeling “on the financial edge”– I’ve felt its twinges myself.

And sure, we are told ad infinitum from a plethora of sources that identity theft is out there and how to recognize someone attempting it.

But Conned By Crooks raises a good (and scary) point with his/her story: what if the outfit in question looks like a full-on, respectable bank or investment firm? We all give our personal information to banks– it’s part of doing business with them.

For this reason, and also for memories of the Savings and Loan Crisis etc, I don’t do business with any banking entity I haven’t been hearing about for years and years. There are some banks that have appeared in the buildings in downtown Rancho Bernardo that I’ve never heard of before. Fly by night? Maybe not but I wouldn’t be surprised.

And the sad part is, even the been-known-for-years names will con you too. I see stories about that in the financial news occasionally.

The very best present any bank ever gave me was, my employer’s credit union gave me a pamphlet containing a chart of the payment size per month for a full range of interest rates and loan periods. It covers everything from 2% interest for a year up to 22% interest for 40 years.

Thanks to this chart I know what a “sane” monthly payment looks like for a fixed 30-year mortgage (it is roughly $600/month for every $100,000 of loan, give or take $50 depending on interest rates). So of course I knew I couldn’t really afford these houses and didn’t even go out there where the wolves were fleecing the suckers. JBR for the past 10 years? You betcha! But I’m not getting foreclosed upon either, thank goodness.

>chirp<

[CricketOnTheHearth]

Granted, the statement that it was “a group of mostly Filipino nurses in Temecula” was neutral enough, and served for purposes of identifying the particular players in question.

However, the way in which “Pinoy”, “Pinay”, and “jeepney” were used seemed a bit harsh and condescending to me. Not that the words themselves are condescending, but it was the tone of voice… even an innocuous word like “Boy” can be grossly insulting in certain contexts.

I heartily agree with others who state that if the return is greater than normal, so must be the risk, despite what anyone tells you. Unfortunately, greed is a powerful impulse, especially when you are feeling “on the financial edge”– I’ve felt its twinges myself.

And sure, we are told ad infinitum from a plethora of sources that identity theft is out there and how to recognize someone attempting it.

But Conned By Crooks raises a good (and scary) point with his/her story: what if the outfit in question looks like a full-on, respectable bank or investment firm? We all give our personal information to banks– it’s part of doing business with them.

For this reason, and also for memories of the Savings and Loan Crisis etc, I don’t do business with any banking entity I haven’t been hearing about for years and years. There are some banks that have appeared in the buildings in downtown Rancho Bernardo that I’ve never heard of before. Fly by night? Maybe not but I wouldn’t be surprised.

And the sad part is, even the been-known-for-years names will con you too. I see stories about that in the financial news occasionally.

The very best present any bank ever gave me was, my employer’s credit union gave me a pamphlet containing a chart of the payment size per month for a full range of interest rates and loan periods. It covers everything from 2% interest for a year up to 22% interest for 40 years.

Thanks to this chart I know what a “sane” monthly payment looks like for a fixed 30-year mortgage (it is roughly $600/month for every $100,000 of loan, give or take $50 depending on interest rates). So of course I knew I couldn’t really afford these houses and didn’t even go out there where the wolves were fleecing the suckers. JBR for the past 10 years? You betcha! But I’m not getting foreclosed upon either, thank goodness.

>chirp<

[CricketOnTheHearth]

Granted, the statement that it was “a group of mostly Filipino nurses in Temecula” was neutral enough, and served for purposes of identifying the particular players in question.

However, the way in which “Pinoy”, “Pinay”, and “jeepney” were used seemed a bit harsh and condescending to me. Not that the words themselves are condescending, but it was the tone of voice… even an innocuous word like “Boy” can be grossly insulting in certain contexts.

I heartily agree with others who state that if the return is greater than normal, so must be the risk, despite what anyone tells you. Unfortunately, greed is a powerful impulse, especially when you are feeling “on the financial edge”– I’ve felt its twinges myself.

And sure, we are told ad infinitum from a plethora of sources that identity theft is out there and how to recognize someone attempting it.

But Conned By Crooks raises a good (and scary) point with his/her story: what if the outfit in question looks like a full-on, respectable bank or investment firm? We all give our personal information to banks– it’s part of doing business with them.

For this reason, and also for memories of the Savings and Loan Crisis etc, I don’t do business with any banking entity I haven’t been hearing about for years and years. There are some banks that have appeared in the buildings in downtown Rancho Bernardo that I’ve never heard of before. Fly by night? Maybe not but I wouldn’t be surprised.

And the sad part is, even the been-known-for-years names will con you too. I see stories about that in the financial news occasionally.

The very best present any bank ever gave me was, my employer’s credit union gave me a pamphlet containing a chart of the payment size per month for a full range of interest rates and loan periods. It covers everything from 2% interest for a year up to 22% interest for 40 years.

Thanks to this chart I know what a “sane” monthly payment looks like for a fixed 30-year mortgage (it is roughly $600/month for every $100,000 of loan, give or take $50 depending on interest rates). So of course I knew I couldn’t really afford these houses and didn’t even go out there where the wolves were fleecing the suckers. JBR for the past 10 years? You betcha! But I’m not getting foreclosed upon either, thank goodness.

>chirp<

[CricketOnTheHearth]

Granted, the statement that it was “a group of mostly Filipino nurses in Temecula” was neutral enough, and served for purposes of identifying the particular players in question.

However, the way in which “Pinoy”, “Pinay”, and “jeepney” were used seemed a bit harsh and condescending to me. Not that the words themselves are condescending, but it was the tone of voice… even an innocuous word like “Boy” can be grossly insulting in certain contexts.

I heartily agree with others who state that if the return is greater than normal, so must be the risk, despite what anyone tells you. Unfortunately, greed is a powerful impulse, especially when you are feeling “on the financial edge”– I’ve felt its twinges myself.

And sure, we are told ad infinitum from a plethora of sources that identity theft is out there and how to recognize someone attempting it.

But Conned By Crooks raises a good (and scary) point with his/her story: what if the outfit in question looks like a full-on, respectable bank or investment firm? We all give our personal information to banks– it’s part of doing business with them.

For this reason, and also for memories of the Savings and Loan Crisis etc, I don’t do business with any banking entity I haven’t been hearing about for years and years. There are some banks that have appeared in the buildings in downtown Rancho Bernardo that I’ve never heard of before. Fly by night? Maybe not but I wouldn’t be surprised.

And the sad part is, even the been-known-for-years names will con you too. I see stories about that in the financial news occasionally.

The very best present any bank ever gave me was, my employer’s credit union gave me a pamphlet containing a chart of the payment size per month for a full range of interest rates and loan periods. It covers everything from 2% interest for a year up to 22% interest for 40 years.

Thanks to this chart I know what a “sane” monthly payment looks like for a fixed 30-year mortgage (it is roughly $600/month for every $100,000 of loan, give or take $50 depending on interest rates). So of course I knew I couldn’t really afford these houses and didn’t even go out there where the wolves were fleecing the suckers. JBR for the past 10 years? You betcha! But I’m not getting foreclosed upon either, thank goodness.

>chirp<

[CricketOnTheHearth]

Granted, the statement that it was “a group of mostly Filipino nurses in Temecula” was neutral enough, and served for purposes of identifying the particular players in question.

However, the way in which “Pinoy”, “Pinay”, and “jeepney” were used seemed a bit harsh and condescending to me. Not that the words themselves are condescending, but it was the tone of voice… even an innocuous word like “Boy” can be grossly insulting in certain contexts.

I heartily agree with others who state that if the return is greater than normal, so must be the risk, despite what anyone tells you. Unfortunately, greed is a powerful impulse, especially when you are feeling “on the financial edge”– I’ve felt its twinges myself.

And sure, we are told ad infinitum from a plethora of sources that identity theft is out there and how to recognize someone attempting it.

But Conned By Crooks raises a good (and scary) point with his/her story: what if the outfit in question looks like a full-on, respectable bank or investment firm? We all give our personal information to banks– it’s part of doing business with them.

For this reason, and also for memories of the Savings and Loan Crisis etc, I don’t do business with any banking entity I haven’t been hearing about for years and years. There are some banks that have appeared in the buildings in downtown Rancho Bernardo that I’ve never heard of before. Fly by night? Maybe not but I wouldn’t be surprised.

And the sad part is, even the been-known-for-years names will con you too. I see stories about that in the financial news occasionally.

The very best present any bank ever gave me was, my employer’s credit union gave me a pamphlet containing a chart of the payment size per month for a full range of interest rates and loan periods. It covers everything from 2% interest for a year up to 22% interest for 40 years.

Thanks to this chart I know what a “sane” monthly payment looks like for a fixed 30-year mortgage (it is roughly $600/month for every $100,000 of loan, give or take $50 depending on interest rates). So of course I knew I couldn’t really afford these houses and didn’t even go out there where the wolves were fleecing the suckers. JBR for the past 10 years? You betcha! But I’m not getting foreclosed upon either, thank goodness.

>chirp<

[CricketOnTheHearth]

“This simply shows that those districts that like romney and clinton are the same that have an electronic voter system rather than a paper method.”

I don’t understand… this seems to actually prove the poster’s point.

Rather suspicious, all right.

I am noticing massive institutional resistance to the grassroots-favored candidates on both the right and the left… neither Ron Paul, nor Gravel and Kucinich are getting any respect from the establishment, nor equal opportunity to go to the debates. Edwards is barely getting the time of day.

The “Ron Paul rEVOLution” banners strung up on the overpasses around town are an absolute hoot. I’ve never seen such grassroots activism on the Republican side; usually seems like R’s move in lockstep with their party’s leadership. Not this year.

>chirp<

[CricketOnTheHearth]

“This simply shows that those districts that like romney and clinton are the same that have an electronic voter system rather than a paper method.”

I don’t understand… this seems to actually prove the poster’s point.

Rather suspicious, all right.

I am noticing massive institutional resistance to the grassroots-favored candidates on both the right and the left… neither Ron Paul, nor Gravel and Kucinich are getting any respect from the establishment, nor equal opportunity to go to the debates. Edwards is barely getting the time of day.

The “Ron Paul rEVOLution” banners strung up on the overpasses around town are an absolute hoot. I’ve never seen such grassroots activism on the Republican side; usually seems like R’s move in lockstep with their party’s leadership. Not this year.

>chirp<

[CricketOnTheHearth]

“This simply shows that those districts that like romney and clinton are the same that have an electronic voter system rather than a paper method.”

I don’t understand… this seems to actually prove the poster’s point.

Rather suspicious, all right.

I am noticing massive institutional resistance to the grassroots-favored candidates on both the right and the left… neither Ron Paul, nor Gravel and Kucinich are getting any respect from the establishment, nor equal opportunity to go to the debates. Edwards is barely getting the time of day.

The “Ron Paul rEVOLution” banners strung up on the overpasses around town are an absolute hoot. I’ve never seen such grassroots activism on the Republican side; usually seems like R’s move in lockstep with their party’s leadership. Not this year.

>chirp<

[CricketOnTheHearth]

“This simply shows that those districts that like romney and clinton are the same that have an electronic voter system rather than a paper method.”

I don’t understand… this seems to actually prove the poster’s point.

Rather suspicious, all right.

I am noticing massive institutional resistance to the grassroots-favored candidates on both the right and the left… neither Ron Paul, nor Gravel and Kucinich are getting any respect from the establishment, nor equal opportunity to go to the debates. Edwards is barely getting the time of day.

The “Ron Paul rEVOLution” banners strung up on the overpasses around town are an absolute hoot. I’ve never seen such grassroots activism on the Republican side; usually seems like R’s move in lockstep with their party’s leadership. Not this year.

>chirp<

[CricketOnTheHearth]

“This simply shows that those districts that like romney and clinton are the same that have an electronic voter system rather than a paper method.”

I don’t understand… this seems to actually prove the poster’s point.

Rather suspicious, all right.

I am noticing massive institutional resistance to the grassroots-favored candidates on both the right and the left… neither Ron Paul, nor Gravel and Kucinich are getting any respect from the establishment, nor equal opportunity to go to the debates. Edwards is barely getting the time of day.

The “Ron Paul rEVOLution” banners strung up on the overpasses around town are an absolute hoot. I’ve never seen such grassroots activism on the Republican side; usually seems like R’s move in lockstep with their party’s leadership. Not this year.

>chirp<

[CricketOnTheHearth]

Escondido Coin & Loan

on E. Grand Ave is where I have purchased gold coins in the past, but they do charge a bit of a surcharge.

As far as apocalyptic gold /spending money investments, I would think the most practical form would be some of the large coins, plus a lot of the smaller ones (such as 1/4 oz Maple Leafs). The coin form IMO “guarantees the gold content” to people you are trading with, versus just unmarked lumps of gold. For smaller purchase get a boatload of JFK silver dimes, IMO.

>chirp<

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