JAFO31’s Activity

Sun Oct 14

NL

Boards Post

JAFO31 replied to the Buying or Selling a Home board. 5:28 PM

Re: Whether to Recast Mortgage?

MakingTrax: "I have a 30-year fixed mortgage. I have no problem paying my current monthly mortgage payment (and in fact, always pay an additional amount). However, in preparation for retirement (full or partial), I am looking to minimize [more]

NL

Boards Post

JAFO31 replied to the Retirement Investing board. 4:39 PM

Re: Poll: Current Net Worth

BruceCM: "The BankRate calculator is probably a good approximator and is pretty easy to use."


I agree with you that it seems good and pretty easy to use. It looks much like spreadsheet, but I do not count cash value of [more]

NL

Boards Post

JAFO31 replied to the Retirement Investing board. 4:34 PM

Re: Poll: Current Net Worth

bighairymike:

<<<"Each person can use the definition that suits them best. (Some might tax-adjust certain holdings, some might treat an income stream like an annuity or SS as an "asset", some might not include home [more]

NL

Boards Post

JAFO31 replied to the Retirement Investing board. 4:30 PM

Re: Poll: Current Net Worth

jgc123:

<<<"I will give one counter-example. 529 money - earmarked for child's education, and while I could (in theory) withdraw for other uses, it...">>>

"My children are 38 and 33 years old [more]

Fri Oct 12

NL

Boards Post

JAFO31 replied to the Retirement Investing board. 4:47 PM

Re: Poll: Current Net Worth

jgc123:

JAFO - <<< "I think in terms of "investable assets" - IRA, 401-K, brokerage accounts, savings not specifically earmarked for something else, etc.">>>

"That highlights an [more]

NL

Boards Post

JAFO31 replied to the Retirement Investing board. 2:12 PM

Re: Poll: Current Net Worth

jgc123: "These polls are obviously not statistically significant polls by any stretch of the imagination. They are small talk on a message board."

I agree.

"That being said, for purposes of talking about [more]

NL

Boards Post

JAFO31 replied to the Retirement Investing board. 1:25 PM

Re: Poll: Current Net Worth

progmtl: "One wrinkle is how to define net worth."

Net Worth = Assets minus Liabilities.

"I thought about it but deliberately did not "go there" when creating the poll."

I would [more]

Tue Oct 9

NL

Boards Post

JAFO31 replied to the Tax Strategies board. 7:19 PM

Re: Sequence on Wash Rule

vkg: "It all depends. When selling all shares in a stock and staying out of the stock for 31 days, all accumulated losses are deductible.

Sequence 1:
Buy 200 shares

Within 30 days of the purchase - sell 100 shares at a [more]

Wed Oct 3

NL

Boards Post

JAFO31 replied to the Atheist Fools board. 6:42 PM

Re: Kavanaugh - what if it were reversed?

albaby1: "The fact that his grandfather went to Yale undergrad would not constitute having "connections" at Yale that might ease his admission, unless that alumnus was a significant contributor or other member of the Yale [more]

Fri Sep 28

NL

Boards Post

JAFO31 replied to the Credit Cards and Consumer Debt board. 5:08 PM

Re: Credit debt. Looking for a new life

timmyturner: "It's semi-passive for now. Sure I have to put in some effort, but at some point it was a lot more effort in the past than it was now. Make sense?"

JAFO "And how much time is "as much time as [more]

NL

Boards Post

JAFO31 replied to the Credit Cards and Consumer Debt board. 1:43 PM

Re: Credit debt. Looking for a new life

timmyturner:

OP {{{--"What is the time spend on the business(es)? If you are only making $200 a month and working 20 hours a week (80/month), your profit amounts to an earn of $2.50/hour. If you got a minimum wage job and worked that [more]

NL

Boards Post

JAFO31 replied to the Credit Cards and Consumer Debt board. 11:59 AM

Re: Credit debt. Looking for a new life

timmyturner: "It seems like a lot of people on these forums are being negative about the way I'm trying to fix my current issue and nitpicking the details on every word I say."

The devil is in the details.

And [more]

NL

Boards Post

JAFO31 replied to the Credit Cards and Consumer Debt board. 7:56 AM

Re: Credit debt. Looking for a new life

joelcorley:


JAFO31: <<<You wrote, What is travel hacking?>>>

"It's usually a term used in certain blogs to mean applying for travel rewards credit cards to earn free miles, companion tickets, [more]

Thu Sep 27

NL

Boards Post

JAFO31 replied to the Credit Cards and Consumer Debt board. 8:24 PM

Re: Credit debt. Looking for a new life

timmyturner: "Hey I'm brand new to this site."

Welcome.

"So I got caught in the debt trap too.

It's ironic how I used to be a super frugal savvy person until it came to travel hacking with
[more]

Thu Sep 20

NL

Boards Post

JAFO31 replied to the Atheist Fools board. 2:33 PM

Re: Paddling

bjchip:

JAFO: <<<I reckon that is always wrong in a public school setting because there can be no assurance think that the conditions under which you would approve would be routinely met.>>>

"If you read [more]

NL

Boards Post

JAFO31 replied to the Christian Fools board. 2:21 PM

Re: The anthropic principle

rev2217:

"[>> The concept that there is some sort of mastermind behind the organization of the universe is not the unique province of any philosophy or religion. Rather, it is found in virtually every ancient civilization and [more]

Mon Sep 17

NL

Boards Post

JAFO31 replied to the Atheist Fools board. 4:40 PM

Re: Paddling

bjchip:

A judicious use of spanking, particularly at a young age, is a powerful tool for socialization. Not the only tool, but it is extremely powerful, as millions of years of evolution have made it exactly [more]

Sun Sep 16

NL

Boards Post

JAFO31 replied to the Atheist Fools board. 10:46 AM

Re: Paddling

bjchip: "On this point I tend to disagree with the majority "progressive" opinions with respect to punishment as a tool for educating and socializing youth.

That is not to say that I am enamored of the many abuses of the
[more]

Tue Sep 11

NL

Boards Post

JAFO31 replied to the Atheist Fools board. 9:22 PM

Re: Paddling

Tuni: "Just heard: A school in Hephzibah,Ga. roughly 20 miles south of Augusta is asking parents to sign a form consenting to allowing their children to be spanked with a wooden paddle as a form of punishment.

What think
[more]

Sun Sep 9

NL

Boards Post

JAFO31 replied to the Atheist Fools board. 8:51 PM

Re: Just askin'

flyerboys: "david fb (now I should probably go away and shut up for a few months)"

I hope not!

Regards, JAFO

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Boards Stats & Trivia

Big gold star, 5000 posts Old School Fool
Board Posts 15434
Recs Received 25884
People who have rec'd these posts 2464
Recs to Posts Ratio (last 30 days) 2.80
Threads Started 87
Threads Started Percentage 0.56 %
Most Frequent Board Buying or Selling a Home
Very First Post Privacy, paranoia and misplaced message (11/2/1998)
Percentage of Posts Rec'd 51.83 %
Show JAFO31’s 10 Latest Posts