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  1. H

    Diaspora Invites

    I'd be interested if anyone has an invite left. thanks
  2. H

    Frivolous lawsuit of the day: Lady sues for being left sleeping on plane.

    She feel asleep on the plane... why is that the airlines fault? Imagine you went to a local library (or barnes and noble) and feel asleep in one of the aisles. Is it the library's (or barnes and noble's) responsibility to find you and make sure you wake up by the time they close? Why...
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    Expensive Mom & Pop stores need to die

    So you are saying that people prefer cheaper products over superior knowledge and that big box stores are doing well by providing the former instead of the latter... seems like customers are getting what they want and capitalism is working fine. Just because you don't agree that people should...
  4. H

    Magnetic Collar Stays

    I've always used something like these and never had any problems: http://www.amazon.com/Metal-Collar-S...4874314&sr=8-1 I don't think you need super thick (and especially not magnetic) metal for stays.
  5. H

    What does MIL mean in reference to apartments?

    From http://en.wikipedia.org/wiki/Secondary_suite#Mother-in-Law_Apartment: Mother-in-Law Apartment A mother-in-law apartment is a small apartment accessory to a primary residence. Alternative names include "granny flat", "granny suite""in-law suite", and "accessory apartment", the first being...
  6. H

    So my internship is at a new startup... PublicBikes.com

    What's with all the negative comments? I personally don't think this company is going to revolutionize the world, but who knows? There's no need to be insulting. It's an internship, after all. It's not like he's investing his entire life savings in this company. Any, good luck MikeMike...
  7. H

    WTF teachers make on avg 76k in Orange County.

    Sorry, not sure what I did there... I think I fixed the quote now.
  8. H

    WTF teachers make on avg 76k in Orange County.

    Why is it invaluable? Food and water are much more basic necessities, but that doesn't mean that the guy "flipping burgers" at McDonald's should necessarily earn more than a school teacher. Education, like almost everything else, obeys the laws of supply and demand. The problem here is...
  9. H

    WTF teachers make on avg 76k in Orange County.

    Maybe it's cause our (or his) taxes pay for the inefficiency? Not sure about you, but I prefer paying less, not more for something.
  10. H

    NY senator fights airline carry-on bag fee

    I know you're being facetious and I wouldn't suggest following this route, but why shouldn't you be able to build an airport? Say you or some other person or corporation bought enough land to build an airport (just in case your backyard isn't big enough already). Now let's say you invested...
  11. H

    NY senator fights airline carry-on bag fee

    I did read his post and thought it was correct in general (ie, less government intervention would help). That's why I asked what specifically you disagreed with. Specific arguments help foster constructive debate a heck of a lot more than generic statements like "you're wrong" or "you're...
  12. H

    NY senator fights airline carry-on bag fee

    You're late to the game... http://current.newsweek.com/budgettravel/2009/02/how_much_is_ryanairs_bathroom.html. At some point airlines will figure out what customers are willing to pay for and what they are not. Enough customers will likely tolerate fees for carry on bags will likely (IMO)...
  13. H

    Wife wants to invest in gold

    I wonder if everyone who thinks that gold is at an all time high is sure enough to go out and short gold. The truth is, like any other investment, there's a chance it can go up and an (risk and value adjusted) equal chance that it can go down. No one knows for sure either way. Anyone who...
  14. H

    NY senator fights airline carry-on bag fee

    What part, specifically, do you not agree with? Government deregulation is the reason flights are as cheap as they are now (if you think they are expensive now, they were twice as much before deregulation). We need less interference, not more. If you don't like using an airline that charges...
  15. H

    Does the black market follow free market principles?

    The same is true of a monopoly. That just means there is no coercion (ie, no one is putting a gun to the head of any customer and forcing them to buy goods they don't want), not that the market is "free" in the Adam Smith sense.
  16. H

    Does the black market follow free market principles?

    Legislature is not the only impediment to a "free" market. Drug cartels are a good example -- through violence they create a (rather strong) barrier to entry for other suppliers, thus keep prices artificially higher than they would be in a completely free market (if one actually existed).
  17. H

    Does the black market follow free market principles?

    Not sure exactly what you mean by "free market principles," but as others have said, a black market faces regular market forces (ie, supply and demand). That doesn't mean a black market is completely "free" as it can have many of the same barriers as its legal counterpart (eg, barriers to...
  18. H

    Matlab anyone?

    you can try eval(t)
  19. H

    Question about probability

    once you pull something out of your infinite bag, all the pre-draw probabilities are meaningless. You now already have sampled from the bag so your probability of pulling out whatever you did is 100%.
  20. H

    Question about probability

    I don't know if I agree with this logic... what is to stop me from picking 1/3 or 1/7 or 1/n? I think the probability of picking one event out of an infinite number of possibilities is zero, but not becuase of the reasoning above.
  21. H

    Salary: Engineering v.s. Investment Banking v.s. IT in Bank

    I never said anything about solo, so don't put words in my mouth. Apart from that, though... yes, that is exacltly what I am saying. I'm not sure what you see as "ludicrous" about that. Sure, 65k may be more than the average american household, but do you really think the average american...
  22. H

    Salary: Engineering v.s. Investment Banking v.s. IT in Bank

    Obviously everyone would prefer a life where they can hang out with their families and still not have any worries about money... the problem is getting to that stage in life. Do you think you wouldn't have any money problems if you worked an "easy" job that paid you 65k a year your whole life...
  23. H

    Salary: Engineering v.s. Investment Banking v.s. IT in Bank

    you really should do some research on "ibanking" before bashing it... what may seem "interesting" to you may seem like monkey work to someone else. I went to school to be an engineer, but decided to go into finance once I graduated (because I thought it was a hell of a lot more interesting than...
  24. H

    Did I make a wise college choice?

    that's not entirely true... there are plenty of PhDs in finance that are making a ton of money. I would say that where I am (also at an ibank), the PhDs run the show and an MBA doesn't help much (if at all).
  25. H

    MS Excel question

    I am not sure what you mean here... the formula above wil simply tell you the number of occurences in whatever range you give it. It won't matter whether there is one, none, or more than one occurence, the formula will still work.
  26. H

    MS Excel question

    If you just want the number of occurences of a string in your range, you can use an array function like: =sum((DATA_RANGE = VALUE)*1) for example, if your range of values is in A1:C3 and the value you want the count for is in E1, you would use: =sum(($A$1:$C$3=E1)*1) make sure you...
  27. H

    Anyone have info on typical starting salaries for investment bank/consultant analysts?

    wow... not sure where you are getting your info from, but it is definitely not from a very reputable source. Also, I don't think I have ever heard anyone group ibankers, stock brokers, and telemarketers together... they are not at all the same! (hint, as an ibanker, you won't be cold calling...
  28. H

    WOOT! Got a full time offer

    If you are living alone and have no family to support, it will be more than enough for a good life style for any recent college grad. Will be even better if you are okay living outside of manhattan (which I wouldn't recommend).
  29. H

    WOOT! Got a full time offer

    hmmm... compared to anywhere else I've been in the US, new york city is by far the easiest city to get around in. Unless you insist on using a car for some reason.
  30. H

    Investors: Merck

    Changing your "cost basis" will have no effect on the amount you will lose (or make) on your original purchase. You shouldn't even consider the price that you originally paid for your stock (unless you are worried about tax consequences). Look at Merck now, relative to all the other stocks...
  31. H

    Has anyone here ever taken a CFA exam?

    I've taken the 3 exams... can't really tell you how "difficult" they are as, like all things, the tests are easy for some people but more difficult for others. It just depends on how familiar you are with the topics already (in other words, there is no rocket science here -- just basic stuff...
  32. H

    My Investing Strategy

    Absolutely agree... with a 3 month horizon, I wouldn't consider anything other than a CD... if you are worried about housing prices, you can invest this money in a REIT (look for one that invests mostly in residential properties and in the same general geographic region as where you are looking...
  33. H

    My Investing Strategy

    right... this from the person who was whining about personal attacks earlier. Anyway, you can call "shens" on whatever you'd like if it makes you feel better. What my job is has nothing to do with the topic. Just remember, if you take 100 investors, 5 of them will produce returns that are...
  34. H

    My Investing Strategy

    Actually, one of the beauties of the EMH is it doesn't matter if 95% of the people out there are ignorant... all it takes is one investor with enough capital to take advantage of the rest of them and things will still be "effecient".
  35. H

    My Investing Strategy

    Done and done: http://www.irs.gov/businesses/small/article/0,,id=122523,00.html Nowhere did I attack you personally... I may have mocked your startegy, but so what...? This is the internet. Get used to it. By all means, please continue to try to beat the market. You aren't doing me any...
  36. H

    My Investing Strategy

    I'll say it again... I am nearly positive that to qualify for the 15% dividend tax rate you do not need to hold a stock for 1 year. In either case, you don't have to tell me that the strategy isn't that great... I already said above that I think it is a bad idea. In fact, I think trying to...
  37. H

    My Investing Strategy

    I am not tax expert, but I don't think you need to hold a stock for 1 year to qualify for the 15% tax rate. I think it is closer to 30 or 60 days. If the stocks he is buying pay quarterly dividends, he should be okay.... again, if he were a US investor... which he isn't.
  38. H

    My Investing Strategy

    If he is following a dogs of the dow type strategy, then he is only trading once a year. Thus all his capital gains will be long term already. For a US investor, "qualified" dividends are now taxed much like capital gains... so tax-wise, this strategy actually ins't bad (low turnover + no...
  39. H

    My Investing Strategy

    The "dogs of the dow" is a very questionable strategy... in the best case, it is simply a value tilted portfolio (and you can do much better with a more diversified value portfolio)... in the worse case, it is the epitome of data mining. There was an article (I believe in the FAJ [financial...
  40. H

    Gas skyrocketed, oh my!

    depends what you mean by "trader"... prop traders make sh*t load of money (and can easily make over 500k in a good year). A simple buy side trader won't do nearly as well, but will still make a good few hundred thousand a year (and have a much more steady income). Either way, you'd be...
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