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  1. S

    Dhcni 8.8%

    I bot some baby bond DHCNI recently. it expires 2042, with quarterly .35156 dividend. I think it is attractive at the current yield. face 25, traded at 16.1 .
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    real estate dual agency?

    As posted in my previous msg, my neighbor would like to purchase my property and pay a premium since I have no plan to move originally. I have no seller agent. So his agent(buyer side) said this case he will be dual agent and he could take 2.5% instead of 5% commission. In NY, dual agent is...
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    very odd thing

    My neighbor came over and offered to buy our house. I told him that we had no plan to move. He said he would like to pay some premium above the current market price. I heard some rumor that my neighbor made some significant money last year.;D My house market value is about 850K. the fee...
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    health insurance

    My wife's thinking about ER too. It means we have to find some health insurance. Basic info: Me 50, DW 49, DS 16, DD 12 Asset: House equity+cash+IRA 3M+ We are in NY now, but east coast should be fine. Any advice? Many thanks,
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    Roth IRA for minors

    I just realized that minors could have their own roth ira accounts as long as they earn the money themselves. My son is 15 now. He was mowing and shoveling last a few years. I started to pay him 20 since last year at his request. Much cheaper than outside help, ;D. In my understanding, this...
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    rollover ira questions

    hi, I have two 401k accounts from two ex-employers. should I have one rollover IRA account and merge them together or have separate rollover IRA accounts? I have the impression that the merged rollover IRA account could not rollover to 401k account later. but I may be wrong. I live in NY...
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    unplugged, smile and puzzle

    I was told to go last week. I was working really hard to hide the smile at the final meeting. FIRE!!! This morning I was trying to claim the unemployment. One issue popped up. location: NY separation agreement: company pay 10 month salaries and COBRA from March to Nov. Since my severance...
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    painful...

    this correction is really painful. here is my story. two main positions: a, 2007 bot 45k avg @1.2, peak 2.95 2008, low .23 2009, peak 3.25 2010, now 2.2 b, 2008 bot 83k avg@.46, low .03 2009, peak 4.2 2010, now 1.9 still hold it, no ONE share sold. i bumped my head against wall. here is...
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    short sale investment

    I am invited to invest on a short sale property. 389 Mark Tree Rd, Setauket, NY 11733 - Zillow I have no clue this kind of stuff. Could someone give me a quick education? Thanks ahead, Semtex
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    rally has second leg?

    today market is interesting. we are going to have a few weeks good time ahead? I only have 5% cash left, all bot some oil stock today.
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    Help, job huntting

    Hi, guys, I need your wisdom again. Here is the situation. I interviewed two ibanks yesterday. Let's call them A and B, both 1st tier ibank. Last night, my agent called me said A is going to give me an offer. Bank B, I did not use agent. I like both roles, but prefer B a little bit. I am...
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    refinance puzzle

    I know you guys always give me wise advice. what's the way to analyze refinance? here is the case Current mortgage: 530k with 30fixed 6.5% 355 months left. new deal: 530k with 30fixed biweek 5.75% 360 months left. Cost is around 5k Current mortgage, monthly...
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    My salute to Big Ben

    Big Ben, you are my hero. The market is dancing under your finger. A happy 200 DOW with a double dose. Why worry, you still have 19 left. :D Some comments on the rate cut?
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    paul potts, "Britian's got talent" winner

    Great story. Like to share with you guys. YouTube - Paul sings Nessun Dorma high quality video/sound
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    TRGL: Toreador Resources Corp

    I am buying TRGL recently. 1. heavy insider buying 2. Private placement with price at 16.67. One investor is Goldman with 5.5%. 3. Market cap 300m with cash flow 72m/annual(just with pipe line phase 1)
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    septic sewer

    I thought we were there, finally. But the truth is... In the last minute, I was told the house we are going to buy has a septic sewer instead of municipal. We have not signed the contract. That's good, but what should I do now? :(
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    Roth 401k or traditional one?

    My senerio: Traditional 401k, comp match 1:1 until 6%. currently I max my contribution. But should I split some to Roth 401k, of course, after got all comp match? Some idea?
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    Morgage shopping, ARM or 30 Fixed?

    House hunting is a long journey. Finally we are there. Now the question is ARM or 30 Fixed? In fact, ARM never came to my mind until this morning. When I talked with one MBS guy in our company, he said maybe I should consider ARM. He bot his house at 2001 and used 5/1 ARM. Here is our...
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    isnot this a great arbitrage?

    CMG, CMG.B. B share has same stake, even more voting power, but price now: CMG 75.42 CMG.B 69.79. I just not got it.
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    Am I making a mistake?

    Continue my house hunting story: Last week, we lowballed a McMasion. Some numbers about this house: Location, north Jersey, 3900SF, 1996 built. Lot 1.2 Acre. Very good shcool district. Easy commute to city. Owner bot at 2001 with 892K. property tax: 21k. House has been on market for about 9...
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    firestone story

    We use that firsestone in the mall to do our car stuff for around two years. My wife likes it for obvious reasons. We receive coupons from that car shop regularly. They change the engine oil ,do the FREE CHECKS and remind us what's further work the car need. This Sunday, another normal...
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    Freddie's new rules

    "Under Freddie's new rules: If a subprime borrower wanted to buy the U.S. median-price home at $210,600 with a two-year ARM, the buyer would have to qualify not only at the starting monthly payment of $1,619, at 8.5%, but also at the maximum payment of $2,412 a month, at 13.5%. " It will kill...
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    Roth IRA for kids

    There is no age requirement for Roth IRA contribution. So how about set up a Roth IRA for kids. Instread of leaving a sum lump to kids, set up a Roth and transfer the ownership gradually. comments?
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    A clean house day

    I sold all my holdings except a few long term ones(oil/gas). Market may have 15% correction in the first half of this year. Today is the calm before the storm. Just my view. I am thinking about AAV. Some adice, thanks,
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    Eagle flying

    Brewer1234, What a great pick. Sold half today. Thanks, :laugh:
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