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no_such_reality
Participant[quote=flu]Let me reverse the question a bit…
People probably don’t have an issue donating $1-5/month to feed someone hungry in another country.
Or to drop a $1-3 donation in the mall at the register when the store is raising money for something (breast cancer week, etc,etc,etc)…But on your way to the shopping mall (say fashion valley), where you plan on spending money that day, do you bother to drop $1 with the guy/gal pan handling at the traffic light? If not, why not and what’s the difference?[/quote]
I don’t because on multiple occasions panhandlers have repeated the same one time juatification as the reason they need help
In other word. There is a high probability they are lying
It’s a false moral equivalence Peter presents.
December 14, 2013 at 5:20 PM in reply to: So what would you do with someone that keeps taking your newspaper? #769102ParticipantGet an prepaid VISA gift card in the tune of $12.
Create an account and entry a gift subscription of 12 weeks for $12 in his name using the gift card.
No problem for 12 weeks.
No proof its you.
Renewal notices will start almost immediately and go to him.For added chuckles, just check yes for all co-marketing during checkout.
December 14, 2013 at 7:07 AM in reply to: My experience getting a dedicated EV TOU 2 electric meter with SDGE #769073ParticipantParticipant[quote=spdrun]Wrong, Drywall Pros (his firm) had a license till 2010 – he just added “Inc” after 2000 so the name changed…
https://www2.cslb.ca.gov/OnlineServices/CheckLicenseII/LicenseDetail.aspx?LicNum=777758Seems to have been a decent guy who was good at what he did, though lacking in some measure of financial planning.[/quote]
You know how people, okay me, can use “Hipster” in a derogatory way when referring to the ‘hipsters’ that are caricature of an anti-establishment non-mainstream bohemian in a completely mainstream interpretation of bohemian?
They struck me as the mainstream equivalent of that. Man-cave, Marilyn on the fridge, restored car, Harley, the trendy mega-church beard, etc. Just trying too hard on the ‘supposed’ to wants and not knowing what they really want.
Just IMO, I have my own short comings, but that particular affliction is really common in SoCal.
Participant.
Participant[quote=6packscaredy]I don’t see why a mere diaper should interrupt my legal career.
In terms of skills though, layering has a useless feel during regime change by I ts very nature.[/quote]
LOL, the most effective coups are the legal ones. Venezuela comes to mind.
Participant[quote=all][quote=no_such_reality]Sadly, one plow through coveredca debased me of any fantasy of retiring when I saw what happens to my health premiums heading into my 50s with a family.[/quote]
Do you know why there is big difference in premium between plans in the same tier? I am looking at HMO 90 – Molina is 20% more than HealthNet and Anthem BlueCross is another 15% more expensive than Molina.[/quote]
Similar to real estate’s location location location, for health plans it’s network, network, network.
The health exchange plans suffer from limited networks. Blue Cross plan has one of the better networks compared to it’s corporate plans, where you you are limited to about 50% of the doctors for choices compared to the corporate they offer.
LA Times Article on limited doctor choice in Health Exchange Plans.
[quote]In Los Angeles County, for instance, Health Net customers in the state exchange would be limited to 2,316 primary-care doctors and specialists. That’s less than a third of the doctors Health Net offers to workers on employer plans. In San Diego, there are only 204 primary-care doctors to serve Health Net patients.
Other major insurers have pared their list of medical providers too, but not to Health Net’s degree. Statewide, Blue Shield of California says exchange customers will be restricted to about 50% of its regular physician network[/quote]
For me, frankly, I look at the Kaiser numbers. Not because I’m a big fan of Kaiser-care, I’ve never had them, but because they’re the 800 lb gorilla in California and I suspect they really do know what they’re doing with their pricing. IMO, I expect Kaiser’s numbers next year to do a typically health care inflation raise and suspect the other ‘cheap’ plans are going to jump to where Kaiser is on pricing.
Participant[quote=flu][quote=no_such_reality]Sadly, one plow through coveredca debased me of any fantasy of retiring when I saw what happens to my health premiums heading into my 50s with a family.[/quote]
Lol… Don’t go there……Just be lucky you have no pre-existing condition. I’m wondering if specialized hospitals will make good on their statements that they will opt out…..[/quote]
I have a pre-existing condition, hence I price there to estimate future expenses if I leave big corporate America. Plus I factor a 20% increase, which is what I suspect will happen next year.
Doctors and Hospitals will be weenies for a couple years, then when Corps cut off the juice of corporate plans, they’ll fold.
ParticipantSadly, one plow through coveredca debased me of any fantasy of retiring when I saw what happens to my health premiums heading into my 50s with a family.
ParticipantI’m in favor of cash flow producing investments as people age. Rentals, partnerships in small businesses, etc. The stock market by and large has really degenerated into a ‘growth’ stock ponzi scheme.
Any portfolio of stocks/bonds/CDs and most financial instruments (sans annuities) can’t support an inflation adjusted 4% withdrawal rate over the long term (30+ years) without a relatively high failure rate (compared to impact) for an individual investor.
Annuities have potential, but I haven’t seen many annuities for sale that will index inflation, which means even though a long term annuity will start with an over 5% payout, within ten years your buying power is diminished to 4% and continues to fall.
At least on Pigg, people don’t think you’re a kook for reading geeky stuff like this http://wpfau.blogspot.com/2012/10/efficient-frontiers-inflation.html
Participant[quote=zk][quote=6packscaredy]
There should be another word for it though for the case where one party thinks they will receive sympathy bUT instead receive derision.
If there already is a word let me know[/quote]
How about “Sadowski.”[/quote]
Drachenfutter.
Participant[quote=6packscaredy]The real mistake was the bike not the money[/quote]
The real mistake was denial. The bike was just a symptom of denial. Not selling it, denial. Hiding it, denial.
Denial of what? Denial that they really weren’t the self-made American dream that could have it all.
IMO, it’s the root of their relationship problem, their spending problem, their foreclosure problem and ultimately, the cause of his bike ‘accident’.
It’s a hard thing to own up to when you’ve been doing well and hit the skids to look in the mirror and admit. More people need to realize it, if they don’t own their company, and even for many that do, there really isn’t anything material that sets them apart from the 2 million other highly educated, successful, hungry people in Southern California.
Participant[quote=flyer]Even though I thought I’d heard it all, these stories still amaze me.
We’ve always planned so that our money will outlive us and our kids, and it’s definitely a good feeling.[/quote]
Hopefully you’re $5M+ Frankly, people feel like they’re ‘rich’ when they get a million but the hard truth is you’ll smoke it in a few years and after the first three, unless you’ve managed to trim your expenses to about $40K/year, the stress of seeing it vanish will make you spend it even faster.
ParticipantI disagree, very few in that industry (physical construction part, small scale) have advance degrees. It’s pretty typical.
And frankly, it doesn’t matter if you have a degree or not, 20 years in an industry, you’re marked. A complete start-over is possible, but it’s a big uphill battle. Everybody will look at you like you’re going to hop ship as soon as your ‘industry’ turns-around.
Keep planning well, the desolation train is coming for many on this board, programmers, software engineers, medical people, your good job days are numbered.
They had until about 2008 to get out with money, a little money, that $100K equity turns into $50K cash in pocket after commission and tough post bubble sales cycle.
You going to rent to a family with $50K in the bank, no jobs and two kids, a credit score that’s already getting beaten because of the house payments? Are you going to take 60% of that last next egg and give it to some schmucky landlord for a place to live for year when the news has been running stories about renters getting caught in the landlord’s foreclosure? It might be a non-zero number, but I suspect the number of landlords that won’t take that deal is much larger. Needle in a haystack solutions are really viable solutions, they’re flukes.
They spent pretty wildly, but be honest, being in a home you bought for $321K and is being beaten on by agents to sell for a million plus is going to leave you feeling pretty flush.
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