MONEY: Ahhhhh, the ignorance of yute; what DO they learn in Gooferment Skrules

Tuesday, July 31, 2012

On Fri, Jul 20, 2012 at 7:27 AM, CLUELESS_RELATIVE WROTE wrote:

Do I need an emergency fund?

# – # – # – # – #   

On Fri, Jul 20, 2012 at 7:37 AM, UNCLE_GRUMPY WROTE wrote:

http://reinkefaceslife.com/2010/05/07/money-changing-my-position-on-emergency-funds/

Uncle Grumpy

# – # – # – # – #   

On Fri, Jul 26, 2012 at 7:27 AM, CLUELESS_RELATIVE WROTE wrote:

Oh I have navy federal credit union, usaa and state department federal cu. Any one in particular u think is better?

# – # – # – # – #   

On Jul 27, 2012 12:31 AM, UNCLE_GRUMPY wrote:

Do a spreadsheet comparison of the factors that matter to you:

cu1 cu2 cu3

* Easy to do biz (atm location, fees)

* Share interest rate

* Can I have sub accounts

* Auto loan rates

* Home loan rates

Then pick one and stick to it. I’d keep a minimum deposit in the others to preserve your eligibility. That a mistake I’ve made.

Then you need (imho):

(1) Emergency Fund (Roach motel — money goes in but never comes out). Priority One uber alles. You’re a hard case to figure out the right amount. But at the minimum, I call it one year at your Minimum Burn Rate (see blog).

(2) Car amortization fund (See blog post on 6 year car payment so that you have the money to buy a new one when your current ride dies.)

(3) If you’re a “monthly” paycheck to paycheck (which is what it sounds like to me), then annual and quarterly bills need a “monthly” “bill”. For example if car insurance is $1200 per year, then you must “pay” the subaccount $100 / per month.

If you’re a “weekly” gal, subsitute as needed. If you’re a bi-weekly, the math is slighly more complex. In the example, $1200 / 26 = $38.50.
And, “monthly” bills are multiplied by 12 then divide by 26. (Hint: It’s 46%) You must get to the point, where you’re ahead to annualize.

Getting off the paycheck to paycheck is essential.

(3) You like to travel, you need a subaccount to “tax” yourself for you next trip. Take your last trip, if you know what it actually cost I’d be surprised. Guesstimate divide by the number of paychecks and that’s your “tax” for that. You may not be able to afford that, so either scale back the trip or stretch the duration until the next one.

(4) “Sinking funds” for any expenses that can’t be accurately estimated (very few of those) and who’s frequency can’t be predicted (very few of those).

Hope that helps,
Uncle Grumpy

# – # – # – # – #   

 

 


—-
Ferdinand John Reinke
Kendall Park, NJ 08824
(732) 798-0508
http://www.reinke.cc (Personal page)
http://www.reinkefj.com (Professional page)
http://reinkefj.wordpress.com (Personal blog)

On Fri, Jul 20, 2012 at 7:27 AM, CLUELESS_RELATIVE WROTE wrote:


POLITICAL: Retort to “teachers” as undervalued

Monday, July 30, 2012

NewImage

 

 

 

 

 

 

 

 

 

 

Gooferment Skrules are training grounds for future prisoners. Today’s teachers are more akin to corrections officers. Let’s get the Gooferment out of education completely. They are just interested in: cannon fodder for the Army, willing morons for the factories, and useful idiots to vote for and be led by the elite. Take note where all the rich, politicians, and bureaucrats send their children? Except for Jimmy Carter, it’s private school for the future leaders of society.

# – # – # – # – #   


FLASH: Swift’s Parents split?

Sunday, July 29, 2012

http://www.christianpost.com/news/taylor-swifts-parents-headed-for-divorce-78953/

Taylor Swift’s Parents Headed for Divorce?
By Emma Koonse , Christian Post Reporter
July 26, 2012|4:09 pm

*** begin quote ***

Andrea and Scott Swift were married 25 years ago, having their daughter Taylor and her younger brother Austin.

The couple allegedly split sometime within the past two years, but have remained mum on the sensitive subject, according to an unconfirmed report by Star magazine via RadarOnline.com.

“The Swift’s stopped wearing their wedding rings,” an insider said speaking to Star. “They haven’t filed for a divorce because they don’t want it to damage Taylor’s career.”

*** end quote ***

I’m always sad when I hear marriages break up.

Who know why?

I know I’d trade all that have for just another day with Frau Reinke. Even a bad day is better than no day.

Wonder why some work and others don’t.

Sending good thoughts to those four people.

# – # – # – # – #   


FUN: Least valuable team …

Saturday, July 28, 2012

http://youtu.be/8Xr-InAiRpk

reinkefj has shared a video with you on YouTube:
Least valuable team … love it.

# – # – #  

Many a true word is said in a jest.

Maybe the yes way to turn back Socialism is to make people laugh at it. If it’s not take seriously, then every time a politician makes a promise the TV will play a laugh track.

Many moons ago, Rush proposed a frame around the tv that just say “He’s Lying”. Seems appropriate for ALL politicians and bureaucrats!

Is that to cynical?

# – # – # – # – #   


RANT: And he might have been mistaken for a SWAT officer by arriving police

Saturday, July 28, 2012

http://www.washingtonpost.com/national/explosives-removed-from-james-holmess-apartment-and-destroyed-officials-say/2012/07/22/gJQAL9XN2W_print.html

Aurora, Colo., shooting spree: A day of tears for victims and of twists in case
By David A. Fahrenthold, Thomas Heath and Joel Achenbach, Published: July 22

*** begin quote ***

AURORA, Colo. — Sunday was a day to mourn here — and ask, fruitlessly, why.

Two days after a shooting rampage killed 12 people and wounded 58 in a movie theater, President Obama flew in to praise victims and survivors. And Colorado leaders held the first large public memorial service, asking a crowd of thousands to repeat “We will remember” after each of the 12 names.

Away from these rituals, new details emerged about the suspect, James Holmes, 24. Authorities said the gunman might have killed more if his assault rifle had not jammed. And he might have been mistaken for a SWAT officer by arriving police, had not one officer spotted something odd in his body armor.

*** and ***

A law enforcement source, who is close to the investigation but not authorized to speak publicly, said something went awry in the killer’s planned assault at the theater. Police said the alleged gunman had three weapons: a Remington shotgun, a Smith & Wesson M&P assault rifle and a Glock .40-caliber handgun.

The assault rifle, which is akin to an AR-15 and is a civilian version of the military’s M-16, could fire 50 to 60 rounds per minute and is designed to hold large ammunition magazines. The source said that Holmes allegedly had obtained a 100-round drum magazine that attached to the weapon but that such large magazines are notorious for jamming.

The law enforcement official said authorities think the gunman first used the shotgun — some victims have buckshot wounds — and then began using the assault rifle, which jammed. Then he resorted to the handgun.

*** and ***

Initial police accounts said he surrendered without incident to officers who found him at his car behind the theater complex. But Oates, in an interview on CBS’s “Face the Nation” on Sunday, described a more complicated scene in the minutes after the shooting. He said police arriving at the scene might have mistaken Holmes for a SWAT officer. He was allegedly dressed in black ballistic gear, including a helmet, a throat guard, a vest, leggings and gloves.

Oates said a piece of equipment in Holmes’s elaborate gear — he would not specify which piece — struck one of the responding officers as irregular. The officer questioned Holmes. Oates did not describe the exchange, only the result: Holmes was arrested.

*** end quote ***

# – # – #  

What happened to “color of the day”?

# – # – # – # – #   


HAPPINESS: Welcome to the world Miss Melanie Marie Halloran

Friday, July 27, 2012

Mozel Tov, to the proud parents. (Why does Dad get to be proud? Give the relative efforts! Mom should get the kudos.)

Note to self: time to update the “Book of Dates”.

Note to self: time to update the will.

(Hmm, is it like musical chairs? Do I pick the person who’s annoyed me the most and sub in? Or do I just have to work more?)

LOL!

Births are my favorite of the happy events (i.e., births, weddings, engagement, lower number on the scale, obits of bad people).

We’ll now sing “If I was a rich man …” from Fiddler on the Roof.

# – # – # – # – #   


FUN: Had a “housewarming” party

Friday, July 27, 2012

Folks for work came over.

After action report:

* Folks were shy to start eating.

* Saji got the Karaoke machine working; no takers. (Guess not enough beer.)

* Everyone seemed to have a good time.

* My camera died again. 

* No breakage.

* Folks laughed at the contents of my freezer.

* Some expressed interest in my books

* Some one liked my green IKEA “desk” (really a board with two boxes in garish green)

* Folks toured and made polite noises (What were they going to say: “fool!”?)

* Dukie, the Realtor, thought the transformation was dramatic.

* Steve smoked a “see gar” on the porch; that smell will drive the skeeters from NOVA for a year!

Lessons Learned:

* Famous Daves — good; more meat, less beans, less beans.

* Less beer; Less soda; More wine. (Who knew!) 

* More notice; better directions; few more chairs.

* Bigger doggie bags.

* Wednesday after work seemed to please everyone to dodge the traffic

Summary

* Fun

* Folks telling me to save stuff for the next party

* Groan when I suggested it might be the wake.

* Folks said “now we know where you live …”

* Identified as an “overflow conference facility”

* Laughs about “Oscar and Felix”

* Folks want more get togethers.

# – # – # – # – #   


Follow

Get every new post delivered to your Inbox.

Join 1,059 other followers

%d bloggers like this: