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  1. Patrick

    Ok... Which one of you dropped your ATM Receipt?

    The update says it belongs to hedge fund manager D. Tepp (presumably David Tepper), who says he hasn't used an ATM "since Lehman." Nice. He made $4 billion in 2009, so $100 million is just pocket change to him, I guess.
  2. Patrick

    Chase Refinance - No Cost

    Absolutely. The customer should evaluate the total cost of all options before deciding on one. And "no-cost" loans are rarely really no-cost. The customer should make sure that all the costs associated with the new loan are paid by the lender. Sometimes they just cover their own fees but...
  3. Patrick

    Our Local News

    Listen to it again. I heard her say "suspicious." Ha!
  4. Patrick

    Chase Refinance - No Cost

    Paying points can be a net winner over time, depending on how long you keep the loan. You really need a calculator to figure out if you'll be ahead or not. Here's a site with some calculators: Points Calculators I had to pay to have my house appraised when I refied. The then-current lender...
  5. Patrick

    Chase Refinance - No Cost

    If you're going to refi the Chase loan right away, you might as well go with the lower rate loan to begin with. It saves you the paperwork. If you're going to refi to Chase now, then refi that loan later, it costs you the difference in interest due to the higher rate on the Chase loan for the...
  6. Patrick

    Anyone else watch the HBO "Death with Dignity" documentary?

    Who do this when there are so many easy DIY methods? If you really want to do it you don't need to go anywhere or hire Kevorkian.
  7. Patrick

    Chase Refinance - No Cost

    Check out these guys. They have the lowest rates I've seen. I just did a 3.25% 10-year with them. Mortgage Rates | Get Current Mortgage Rates in Seconds
  8. Patrick

    E-Bills

    I've been using bill pay for years with Schwab. No problems so far. Way more convenient than paper bills and payments.
  9. Patrick

    The collapse of the middle class?

    At least you got to take your snapshots in color. :)
  10. Patrick

    Suze Orman - love it!

    I think it should be more like "FICO first, then marriage."
  11. Patrick

    The collapse of the middle class?

    Definition of BOAT 1 a: a small vessel for travel on water b: ship 2: a hole in the water you throw money into.
  12. Patrick

    "Official" American Idol 2011 Thread

    What a travesty. Pia and James were obviously the best talent but were eliminated. Mediocrity won, as usual. There is something wrong with the voting process, but I guess the producers don't care about that as long as AT&T makes their cut of the cash.
  13. Patrick

    Hormones out of control

    Tribulus terrestris.
  14. Patrick

    Work Collapses Around Me

    Sounds like an opportunity for a promotion. :dance:
  15. Patrick

    Concerns about hyperinflation coming

    Gold! Buy gold and gold stocks! :)
  16. Patrick

    Las Vegas: Where to stay, what to do, where to eat?

    http://www.circuscircus.com/
  17. Patrick

    Men's Haircuts: Local Barber or Chain Clipper?

    Flowbee factory direct Also Flowbee deluxe with vacuum :coolsmiley:
  18. Patrick

    Retired husband and working wife

    If it were me, I'd bail yesterday. I'd get a divorce and cut my losses as much as possible. File for bankruptcy to get rid of his debts, if it's allowed. No sense throwing good money after bad. There's an old saying, "A leopard never changes its spots." IMO, if you stay married you will never...
  19. Patrick

    Best use of time from strictly financial perspective

    Yes, find your "after expenses" hourly rate. Take the cost of the equipment and divide it by the number of hours it will last. Figure out how much per hour it costs for fuel and oil, insurance, etc. Add up all the hourly numbers and subtract them from your $65 to get your real hourly rate. I...
  20. Patrick

    Early 30s. Evil. Likes kittens.

    Check out McDonald's or Burger King. I heard of one guy who owned 8 Burger Kings, so it wasn't that hands-on (at least for him).
  21. Patrick

    Unidentified metal sphere mystery

    It's Kryptonite.
  22. Patrick

    Cheapest cell-phone plan?

    Prepaid Compare
  23. Patrick

    Dollar Cost Average During A Bear

    Since you have 40% in bonds, why not use that money to Martingale into the market while you're living on the income stream? Use the excess income to reestablish the bonds over time.
  24. Patrick

    Dollar Cost Average During A Bear

    Urn2Bfree, if your investment money is all coming from income, how do you get 1.2 or 1.5 or 2 times more money to invest after a down month? I'm thinking that you must have withheld some in a previous month that could have been invested. So if the market goes up instead of down, you have cash on...
  25. Patrick

    Work Collapses Around Me

    Do You Need a Glass Belly Button?
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