Forum Replies Created
-
AuthorPosts
-
procrastinator
ParticipantI just got a 5% increase that takes effect next month. There are plenty of comparable houses for rent here in RB, some for as much as 10% lower and sitting on craigslist for many weeks while gradually dropping in the asking rent. But I’ve been in this place for only one year, and the waste of time and money that is moving is still fresh in my memory. Perhaps I’ll move next year — amortizing the pain over 2 years makes it more acceptable.
ParticipantI just got a 5% increase that takes effect next month. There are plenty of comparable houses for rent here in RB, some for as much as 10% lower and sitting on craigslist for many weeks while gradually dropping in the asking rent. But I’ve been in this place for only one year, and the waste of time and money that is moving is still fresh in my memory. Perhaps I’ll move next year — amortizing the pain over 2 years makes it more acceptable.
ParticipantI just got a 5% increase that takes effect next month. There are plenty of comparable houses for rent here in RB, some for as much as 10% lower and sitting on craigslist for many weeks while gradually dropping in the asking rent. But I’ve been in this place for only one year, and the waste of time and money that is moving is still fresh in my memory. Perhaps I’ll move next year — amortizing the pain over 2 years makes it more acceptable.
ParticipantI just got a 5% increase that takes effect next month. There are plenty of comparable houses for rent here in RB, some for as much as 10% lower and sitting on craigslist for many weeks while gradually dropping in the asking rent. But I’ve been in this place for only one year, and the waste of time and money that is moving is still fresh in my memory. Perhaps I’ll move next year — amortizing the pain over 2 years makes it more acceptable.
December 21, 2007 at 11:55 PM in reply to: Poll: ESPP participants. Do you typically take the money and run or hold for cap gaps treatment. #122867ParticipantYour plan is pretty generous compared to mine. I take my measly 5% discount and run. This means placing a market sell order immediately after the shares appear in my brokerage account, which always happens after hours. So you see I am not willing to tolerate much downside risk with this at all. My company does not have a particularly bad outlook, but I figure I have more than enough exposure to its stock price through stock options that I still have. Your situation seems different. There are not too many trading days left in 2007. If you really expect to be in a lower tax bracket next year, I would wait till January.
December 21, 2007 at 11:55 PM in reply to: Poll: ESPP participants. Do you typically take the money and run or hold for cap gaps treatment. #122844ParticipantYour plan is pretty generous compared to mine. I take my measly 5% discount and run. This means placing a market sell order immediately after the shares appear in my brokerage account, which always happens after hours. So you see I am not willing to tolerate much downside risk with this at all. My company does not have a particularly bad outlook, but I figure I have more than enough exposure to its stock price through stock options that I still have. Your situation seems different. There are not too many trading days left in 2007. If you really expect to be in a lower tax bracket next year, I would wait till January.
December 21, 2007 at 11:55 PM in reply to: Poll: ESPP participants. Do you typically take the money and run or hold for cap gaps treatment. #122790ParticipantYour plan is pretty generous compared to mine. I take my measly 5% discount and run. This means placing a market sell order immediately after the shares appear in my brokerage account, which always happens after hours. So you see I am not willing to tolerate much downside risk with this at all. My company does not have a particularly bad outlook, but I figure I have more than enough exposure to its stock price through stock options that I still have. Your situation seems different. There are not too many trading days left in 2007. If you really expect to be in a lower tax bracket next year, I would wait till January.
December 21, 2007 at 11:55 PM in reply to: Poll: ESPP participants. Do you typically take the money and run or hold for cap gaps treatment. #122767ParticipantYour plan is pretty generous compared to mine. I take my measly 5% discount and run. This means placing a market sell order immediately after the shares appear in my brokerage account, which always happens after hours. So you see I am not willing to tolerate much downside risk with this at all. My company does not have a particularly bad outlook, but I figure I have more than enough exposure to its stock price through stock options that I still have. Your situation seems different. There are not too many trading days left in 2007. If you really expect to be in a lower tax bracket next year, I would wait till January.
December 21, 2007 at 11:55 PM in reply to: Poll: ESPP participants. Do you typically take the money and run or hold for cap gaps treatment. #122620ParticipantYour plan is pretty generous compared to mine. I take my measly 5% discount and run. This means placing a market sell order immediately after the shares appear in my brokerage account, which always happens after hours. So you see I am not willing to tolerate much downside risk with this at all. My company does not have a particularly bad outlook, but I figure I have more than enough exposure to its stock price through stock options that I still have. Your situation seems different. There are not too many trading days left in 2007. If you really expect to be in a lower tax bracket next year, I would wait till January.
ParticipantThe Coming Collapse of the Middle Class: Higher Risks, Lower Rewards, and a Shrinking Safety Net
I watched a lecture by Elizabeth Warren recently on UCTV that shed some light on the question of why Americans do not save any more. She did not blame the Fed or those superthrifty Asians and oil exporting countries. Tracing the effect of these external factors on spending decisions of a household would be difficult with any degree of rigor. Instead she looked at the income and expenses of American households directly, and made some shocking comparisons between the start of her time series (early 1970s) and the present. The gist is that the real incomes did not grow much, the income per worker did not grow at all (!), the discretionary expenses (the TVs and clothes and stuff people usually point to as symptoms of consumerist excesses) decreased, while the near-obligatory big ticket items that one cannot easily economize on (mortgage, health insurance, child care, transportation) grew dramatically. Note that this work does not need to invoke ‘moral shortfalls’ and other such nonsense to reach its conclusions. It is left as an exercise to the reader to deduce the connection between this deterioration of household cash flow and Fed’s actions if you are so inclined.
ParticipantThe Coming Collapse of the Middle Class: Higher Risks, Lower Rewards, and a Shrinking Safety Net
I watched a lecture by Elizabeth Warren recently on UCTV that shed some light on the question of why Americans do not save any more. She did not blame the Fed or those superthrifty Asians and oil exporting countries. Tracing the effect of these external factors on spending decisions of a household would be difficult with any degree of rigor. Instead she looked at the income and expenses of American households directly, and made some shocking comparisons between the start of her time series (early 1970s) and the present. The gist is that the real incomes did not grow much, the income per worker did not grow at all (!), the discretionary expenses (the TVs and clothes and stuff people usually point to as symptoms of consumerist excesses) decreased, while the near-obligatory big ticket items that one cannot easily economize on (mortgage, health insurance, child care, transportation) grew dramatically. Note that this work does not need to invoke ‘moral shortfalls’ and other such nonsense to reach its conclusions. It is left as an exercise to the reader to deduce the connection between this deterioration of household cash flow and Fed’s actions if you are so inclined.
ParticipantThe Coming Collapse of the Middle Class: Higher Risks, Lower Rewards, and a Shrinking Safety Net
I watched a lecture by Elizabeth Warren recently on UCTV that shed some light on the question of why Americans do not save any more. She did not blame the Fed or those superthrifty Asians and oil exporting countries. Tracing the effect of these external factors on spending decisions of a household would be difficult with any degree of rigor. Instead she looked at the income and expenses of American households directly, and made some shocking comparisons between the start of her time series (early 1970s) and the present. The gist is that the real incomes did not grow much, the income per worker did not grow at all (!), the discretionary expenses (the TVs and clothes and stuff people usually point to as symptoms of consumerist excesses) decreased, while the near-obligatory big ticket items that one cannot easily economize on (mortgage, health insurance, child care, transportation) grew dramatically. Note that this work does not need to invoke ‘moral shortfalls’ and other such nonsense to reach its conclusions. It is left as an exercise to the reader to deduce the connection between this deterioration of household cash flow and Fed’s actions if you are so inclined.
ParticipantThe Coming Collapse of the Middle Class: Higher Risks, Lower Rewards, and a Shrinking Safety Net
I watched a lecture by Elizabeth Warren recently on UCTV that shed some light on the question of why Americans do not save any more. She did not blame the Fed or those superthrifty Asians and oil exporting countries. Tracing the effect of these external factors on spending decisions of a household would be difficult with any degree of rigor. Instead she looked at the income and expenses of American households directly, and made some shocking comparisons between the start of her time series (early 1970s) and the present. The gist is that the real incomes did not grow much, the income per worker did not grow at all (!), the discretionary expenses (the TVs and clothes and stuff people usually point to as symptoms of consumerist excesses) decreased, while the near-obligatory big ticket items that one cannot easily economize on (mortgage, health insurance, child care, transportation) grew dramatically. Note that this work does not need to invoke ‘moral shortfalls’ and other such nonsense to reach its conclusions. It is left as an exercise to the reader to deduce the connection between this deterioration of household cash flow and Fed’s actions if you are so inclined.
ParticipantThe Coming Collapse of the Middle Class: Higher Risks, Lower Rewards, and a Shrinking Safety Net
I watched a lecture by Elizabeth Warren recently on UCTV that shed some light on the question of why Americans do not save any more. She did not blame the Fed or those superthrifty Asians and oil exporting countries. Tracing the effect of these external factors on spending decisions of a household would be difficult with any degree of rigor. Instead she looked at the income and expenses of American households directly, and made some shocking comparisons between the start of her time series (early 1970s) and the present. The gist is that the real incomes did not grow much, the income per worker did not grow at all (!), the discretionary expenses (the TVs and clothes and stuff people usually point to as symptoms of consumerist excesses) decreased, while the near-obligatory big ticket items that one cannot easily economize on (mortgage, health insurance, child care, transportation) grew dramatically. Note that this work does not need to invoke ‘moral shortfalls’ and other such nonsense to reach its conclusions. It is left as an exercise to the reader to deduce the connection between this deterioration of household cash flow and Fed’s actions if you are so inclined.
-
AuthorPosts