Like Lemmings over a cliff...

[dex]

Way too many electron being said about Andy H. He didn't put much effort into his posts.

____
There was a blonde who found herself sitting next to a Lawyer on an airplane. The lawyer just kept bugging the blonde wanting her to play a game of intelligence. Finally, the lawyer offered her 10 to 1 odds, and said every time the blonde could not answer one of his questions, she owed him $5, but every time he could not answer hers, he'd give her $50.00. The lawyer figured he could not lose, and the blonde reluctantly accepted.

The lawyer first asked, "What is the distance between the Earth and the nearest star?"

Without saying a word the blonde handed him $5. then the blonde asked, "What goes up a hill with 3 legs and comes back down the hill with 4 legs?"

Well, the lawyer looked puzzled. He took several hours, looking up everything he could on his laptop and even placing numerous air-to-ground phone calls trying to find the answer. Finally, angry and frustrated, he gave up and paid the blonde $50.00

The blonde put the $50 into her purse without comment, but the lawyer insisted, "What is the answer to your question?"

Without saying a word, the blonde handed him $5.

 

[brewer12345]

Way too many electron being said about Andy H. He didn't put much effort into his posts.

I think he's just become the [-]bored[/-] board pinata.

 

[FinanceDude]

Hi Andy ,
Announcing your a Financial advisor around here is akin to going to a singles dance with a sign that says I have herpes .
Anyway welcome !

Just found this thread, my only comment is, he has brass ones..........

 

[FinanceDude]

Here's where Andy H lets you know he's not "sooo sensitive...". Some brilliant posts thusfar and it's been a hoot watching most of you "posture". I think my role here will be entertainment from this point forward until the rare post offering some insight occurs.

For those of you instantly devaluing anything I might offer and opting for the "mine's bigger" approach, best of luck to you. You know you can also buy nearly every ingredient for any prescriptions you're taking during your retirement years...right off the internet and mix your own drugs. You'll probably wind up saving a ship full of money...or you could kill yourself.

I'm sure you'll have fun with this one as I tune out, watch, and laugh...

Don't be so angry, you'll enjoy life much more - with or without money!

ROTFLMAO............

 

[Nords]

Horse Pucky. This bozo swanned in, told us he was a inancial planner who just knows so much about personal finance, and then proceeds to be smug and refuse to answer direct questions with anything other than vague generalities.
He deserved the spanking he got.

People responded the same way to H0cus' first dozen or so posts, but he quickly [-]wrapped plenty of rope around his neck[/-] cleared up their misapprehensions.

I'm sure Andy H will be able to similarly clear up the impression he's making. Or perhaps he already has.

 

[wildcat]

Hazing, fraternity, sophomoric! I don't need a bunch of goofballs censoring what I read. I reread the thread and I think the attacks were uncalled for and did not add anything to the thread. If I don't agree with what someone says I at least try to present a counter argument. If you are afraid someone is going to shatter your beliefs use your ignore button. What you don't know can't hurt you. You'll still be "right" in your little world.

In that case we will leave all the spam on the board and allow trolls to stir up as many discussions as possible.

 

[Nords]

In that case we will leave all the spam on the board and allow trolls to stir up as many discussions as possible.

Speaking of trolls stirring up discussions, did he just call you a goofball?!?

 

[wildcat]

It's moderator goofball, thank you.

I often joke and people don't seem to pick up. That is to be expected on the net. Oh well, I woud quit but the benefit package as a mod is hard to resist.

 

[SteveR]

It's moderator goofball, thank you.

I often joke and people don't seem to pick up. That is to be expected on the net. Oh well, I woud quit but the benefit package as a mod is hard to resist.

Actually, it should be....
Your Most Royal Highness Moderator Goofball.

Benefits? Nobody said nothing 'bout no benefits when I [-]was drafted [/-]volunteered for this job.

 

[REWahoo]

Anyone know the rules for "moderator goofball"? Are they similar to basketball?

 

[Nords]

It's moderator goofball, thank you.
I often joke and people don't seem to pick up. That is to be expected on the net. Oh well, I woud quit but the benefit package as a mod is hard to resist.

Absolutely, I stand corrected!

The multiplier factor of your moderator's bonus is inversely proportional to the subtlety of your humor. At least that's the way Dory used to determine our shares of the moderator bonus pool. It was tough sledding because Laurence was always hogging the biggest factor, something he claimed to have developed through his co-workers...

 

[CCdaCE]

Anyone know the rules for "moderator goofball"? Are they similar to basketball?

No dribbling? No double-dribble?... need I go on?

-CC

 

[Janet H]

Anyone know the rules for "moderator goofball"? Are they similar to basketball?

Moderator goofball? Yes it has rules.

If you want to know them, you'll need to send a cashiers check ...

Just in case you wondered about the uniform... the hemline stipulations were removed last year, the weight of velcro used is still regulated, and the team discount on protective padding is awesome!

Wanna join the team?

 

[packrat44]

Actually, it should be....
Your Most Royal Highness Moderator Goofball.

Benefits? Nobody said nothing 'bout no benefits when I [-]was drafted [/-]volunteered for this job.

Now I will know who they are talking about when someone refers to the MRHMG.

 

[laurence]

Absolutely, I stand corrected!

The multiplier factor of your moderator's bonus is inversely proportional to the subtlety of your humor. At least that's the way Dory used to determine our shares of the moderator bonus pool. It was tough sledding because Laurence was always hogging the biggest factor, something he claimed to have developed through his co-workers...

Does that mean I was subtle? I'm confused! My co-workers are 29 year old nerd gamers who can make any statement have Senator Craigish innuendo....

 

[hayekcapitalist]

ANDY H: "Hi folks, I'm...a financial advisor...I'm not here for clients, just thought I'd be fair about my background and thus, perspective."

Andy, I'm sure you are a nice, informed, professional, but in the interest of perspective it is fair to point out what a "financial advisor ("FA")" is not: an FA is not a Certified Financial Planner with training; initial education requirement; professional license exam; continuing education requirement; and experience requirement, thus qualifying the CFP Board designee to perform comprehensive financial planning.

Nor, is an FA a Chartered Financial Analyst, who is an individual that has successfully competed a rigorous education and experience evolution qualifying the holder to perform the duties of a financial analyst.

Other designations include Registered Investment Advisor ("RIA"), which is anyone "who, for compensation, engages in the business of advising others, either directly or through publications or writing, as to the value of securities or as to the advisability of investing in, purchasing, or selling securities,...or promulgates analyses or reports concerning securities," as required, exceptions and exemptions noted, under the Investment Advisers Act of 1940. The only requirement to be met in order to procure an RIA is registration with the SEC.

Of course there are what most think of as "stock brokers," but, who recently have assumed infinite permutations of the alphabet for many reasons, some of us suspect, in order to obscure the fact that their one claim to expertise is that they are professional salespersons, specializing in selling securites, and at most have passed one or several exams, of the Series, 6, 7, 22, 62, 63, 65, 66 variety.

Other designations include insurance professionals with their ChFC or CLU and CPA's with special training in personal financial services (my personal favorite because of their tax perspective).

P.S. Is/was it non-conservative or unconventional to invest money held in a fiduciary capacity in CDO's or other various and sundry bifurcated tranches of mortgage backed securites and their derivitives?

"Nobody cares more about your money than you do."

 

[hayekcapitalist]

Only if you are calculating the first derivative

The first derivative or f(x)= dy/dx, which gives you the rate of change for a curvilinear function such as a parabola which is representative of an exponential function. Otherwise, in the flatland of linearity, there is one and only line that is defined by any two points and that line is the shortest "distance" between the two collinear points.

 

[NotSoonEnough]

The first derivative or f(x)= dy/dx, which gives you the rate of change for a curvilinear function such as a parabola which is representative of an exponential function. Otherwise, in the flatland of linarity, there is one and only line that is defined by any two points and that line is the shortest "distance" between the two collinear points.

I prefer a slope when I can find one...

 

[Gotadimple]

The first derivative or f(x)= dy/dx, which gives you the rate of change for a curvilinear function such as a parabola which is representative of an exponential function. Otherwise, in the flatland of linearity, there is one and only line that is defined by any two points and that line is the shortest "distance" between the two collinear points.

So, will this get me the guaranteed to win lottery numbers?

 

[hayekcapitalist]

Sorry, the lottery is for math illiterates

Dimples: It won't help you pick the winning numbers in a game of chance, it will help you understand that money compounds in a geometric progression rather than linear, which is why getting started today with an investing program is so important...theory has its place, especially when it removes some of the mystery from things that we comprehend intuitively but cannot explain.

 

[FinanceDude]

ANDY H: "Hi folks, I'm...a financial advisor...I'm not here for clients, just thought I'd be fair about my background and thus, perspective."

Andy, I'm sure you are a nice, informed, professional, but in the interest of perspective it is fair to point out what a "financial advisor ("FA")" is not: an FA is not a Certified Financial Planner with training; initial education requirement; professional license exam; continuing education requirement; and experience requirement, thus qualifying the CFP Board designee to perform comprehensive financial planning.

An FA COULD be a CFP, FYI.........

Other designations include Registered Investment Advisor ("RIA"), which is anyone "who, for compensation, engages in the business of advising others, either directly or through publications or writing, as to the value of securities or as to the advisability of investing in, purchasing, or selling securities,...or promulgates analyses or reports concerning securities," as required, exceptions and exemptions noted, under the Investment Advisers Act of 1940. The only requirement to be met in order to procure an RIA is registration with the SEC.

WAIT! The SEC made me pass a Series 65, and you're saying all I needed was a registration form? Who can I complain to?

Other designations include insurance professionals with their ChFC or CLU and CPA's with special training in personal financial services (my personal favorite because of their tax perspective).

ChFC guys have done more damage than almost any other subset......... I have yet to meet a CPA who does a good job with clients, perhaps saluki9 being a notable exception. Then again,he's a CPA with a CFA.........kind of a secret agent man........

 

[clay]

After a lot of straightforward questions, can you just tell us (knowing that there are all sorts of reasons for individual differences): what is your asset allocation (not in dollars, in percentages)? (Be glad to give you mine, by the way, but I never did a radio show). In particular, what non-conventional things are recommended?

Update/edit: When I posted this I didn't realize this person had (as predicted) left. I had originally thought he was wrong, but (just) possibly in some interesting way. Too charitable on my part. But what the heck, it was a slow day.