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  1. #4641
    Join Date
    Feb 2008
    Location
    New Bern, NC unless it's a home football game then I'm grilling on Devil's Alley
    Warren is making her first NC appearances today in two events, one in Raleigh at a high school and one at NC A&T.
    NC is a battleground state, so we are sure to get many appearances by both the Dems and by Trump.
    Q "Why do you like Duke, you didn't even go there." A "Because my art school didn't have a basketball team."

  2. #4642
    Join Date
    Sep 2007
    Location
    Undisclosed
    Quote Originally Posted by CameronBornAndBred View Post
    Warren is making her first NC appearances today in two events, one in Raleigh at a high school and one at NC A&T.
    NC is a battleground state, so we are sure to get many appearances by both the Dems and by Trump.
    Maybe Trump will come to a Duke-UNC basketball game.
    "We're only tourists in this life
    Only tourists but the view is nice"

    -- David Byrne

  3. #4643
    Join Date
    Jan 2010
    Location
    Outside Philly
    Quote Originally Posted by sagegrouse View Post
    Moreover, twenty-somethings tend to opt out of 401K's, meaning that they have totally screwed themselves when they are sixty-somethings.
    What really gets me isn't folks not taking advantage when they're fortunate to have access to such financial services, it's the percentage of Americans still operating completely outside what most of us would consider conventional financial services. It's something like 1 in 4 US households that either don't use any banking services at all or primarily leverage things like payday loans.

  4. #4644
    Quote Originally Posted by CameronBornAndBred View Post
    Warren is making her first NC appearances today in two events, one in Raleigh at a high school and one at NC A&T.
    NC is a battleground state, so we are sure to get many appearances by both the Dems and by Trump.
    Lucky us!

  5. #4645
    Quote Originally Posted by JasonEvans View Post
    For decades I was at an employer who matched 150% of up to 4% of your salary. I would tell co-workers they would be insane not to put at least that 4% into the 401k. If they told me they could not afford it, I told them it made more financial sense for them to take out a loan at 10% than to give up on making 150%.
    Exactly! Why doesnít everyone immediately realize you cannot beat a guaranteed 150% return?

    Iím very proud of our 401k and Iím always selling it. We match 150% up to 6% and have always paid all administrative fees (which have averaged 0.87% over the last 20 years). Nevertheless, about 10% of our financial industry workforce, over the last 20 years, never participated.

  6. #4646
    Join Date
    Feb 2007
    Location
    Steamboat Springs, CO
    Quote Originally Posted by OldPhiKap View Post
    Maybe Trump will come to a Duke-UNC basketball game.
    Donald and Melania came to a game at Cameron back when The Apprentice was hugely popular.
    Sage Grouse

    ---------------------------------------
    'When I got on the bus for my first road game at Duke, I saw that every player was carrying textbooks or laptops. I coached in the SEC for 25 years, and I had never seen that before, not even once.' - David Cutcliffe to Duke alumni in Washington, DC, June 2013

  7. #4647
    Quote Originally Posted by bundabergdevil View Post
    What really gets me isn't folks not taking advantage when they're fortunate to have access to such financial services, it's the percentage of Americans still operating completely outside what most of us would consider conventional financial services. It's something like 1 in 4 US households that either don't use any banking services at all or primarily leverage things like payday loans.
    Not sure itís 25%, but I completely agree with your point. Iíve done a lot of work (mostly volunteer) in this arena and itís amazingly hard to change. Many cultures are scared of traditional banking because of bad family experiences in their native land. The vultures who knowingly and intentionally exploit these people hate it when I speak in public. I have absolutely no hesitation to clearly explain exactly what they are doing to other humans! If they aggressively defend their choices, in public, then Iím also sometimes guilty of pointing out their private jets, exotic cars, and multiple mansions.

  8. #4648
    Join Date
    Feb 2007
    Location
    Raleigh, NC
    Quote Originally Posted by bundabergdevil View Post
    What really gets me isn't folks not taking advantage when they're fortunate to have access to such financial services, it's the percentage of Americans still operating completely outside what most of us would consider conventional financial services. It's something like 1 in 4 US households that either don't use any banking services at all or primarily leverage things like payday loans.
    Years ago my brother in law who lives in Greenwood SC was working for a cotton mill (it's was a mill town and he was on the maintenance crew). His father worked there was well. They switched from a traditional pension to a 401k. The first time he and his dad saw a loss on their 401k statement (because of short term market fluctuation) they both pulled out of the 401k. I couldn't believe what I was hearing...especially since my sister was defending her husbands ridiculous decision. He's switched jobs since (his Dad never did) so hopefully he pulled his head out of his arse and got back in. He currently works for Piedmont Technical college but my sister is a public school teacher which means they will be OK in the end.

  9. #4649
    Quote Originally Posted by elvis14 View Post
    Years ago my brother in law who lives in Greenwood SC was working for a cotton mill (it's was a mill town and he was on the maintenance crew). His father worked there was well. They switched from a traditional pension to a 401k. The first time he and his dad saw a loss on their 401k statement (because of short term market fluctuation) they both pulled out of the 401k. I couldn't believe what I was hearing...especially since my sister was defending her husbands ridiculous decision. He's switched jobs since (his Dad never did) so hopefully he pulled his head out of his arse and got back in. He currently works for Piedmont Technical college but my sister is a public school teacher which means they will be OK in the end.
    When you have relatively little money and you work extremely hard for every penny, then itís extremely hard to watch your savings disappear! Unfortunately, most people in this situation know relatively little about finance. IMO, the US and state education systems have completely failed them. IMO, instead of making Geometry a mandatory class, the US and state education
    systems should make a basic financial class mandatory. Teach our children how to responsibly handle a checking account, credit, budget, pay taxes, invest, etc. Give them a fighting chance before exposing them to the vultures.

    Sorry for so many posts, but these issues really bother me and positive changes must happen.

  10. #4650
    Join Date
    Feb 2007
    Location
    Hot'Lanta... home of the Falcons!
    Debates coming up in two weeks, right here in Atlanta! Yesterday, a tenth candidate qualified to participate. Ugh... I was hoping to whittle the field down a bit and I think Gabbard is sorta fringe, but it appears this will be the debate field:



    FiveThirtyEight is looking at who will make the much harder to qualify for December debate and it really appears that debate will be smaller. Here is where we stand on that field:



    I think it is telling that Klobuchar is already qualified while Booker is sitting on zero polls and not enough donors. It is clear to me that the moderate senator who may be able to claim the electability mantle seems to be falling to Klobuchar. This next debate in November may be Booker's last stand.

    -Jason "I wonder if the DNC will tighten debate rules even further... maybe make it 8 or 10% in polls to make the January debate? That would yield a 4-person debate" Evans
    I don't know what you are doing right now, but if you aren't listening to the DBR Podcast, you're doing it wrong.

  11. #4651
    Join Date
    Feb 2007
    Location
    Hot'Lanta... home of the Falcons!
    Iowa poll by Quinnipiac (B+ pollster rating, very good):

    Warren 20
    Buttigieg 19
    Sanders 17
    Biden 15
    Klobuchar 5
    Harris 4
    Gabbard, Yang, Steyer 3
    I don't know what you are doing right now, but if you aren't listening to the DBR Podcast, you're doing it wrong.

  12. #4652
    Join Date
    Sep 2007
    Location
    Undisclosed
    Quote Originally Posted by JasonEvans View Post
    FiveThirtyEight is looking at who will make the much harder to qualify for December debate and it really appears that debate will be smaller. Here is where we stand on that field:


    I gotta think that Yang, and maybe Steyer, will also qualify by the December cut-off.

    Everyone else needs a great performance in ATL or some other breakout issue.

    Meanwhile -- how's Joe's money holding out? I would be concerned if I was in his camp.
    "We're only tourists in this life
    Only tourists but the view is nice"

    -- David Byrne

  13. #4653
    Join Date
    Nov 2007
    Location
    Vermont
    I'm a bit surprised that Klobuchar finds herself a distant fifth in Iowa poling (last I saw). She seems to be getting little of the Next Door Neighbor effect Warren and Bernie get in New Hamster. I guess Iowans just aren't all that impressed with her.
    (Without getting into issues, I find her to be a pretty solid candidate, would have expected more Hawkeye traction for her).

  14. #4654
    Join Date
    Feb 2007
    Location
    Skinker-DeBaliviere, Saint Louis
    Quote Originally Posted by OldPhiKap View Post
    Maybe Trump will come to a Duke-UNC basketball game.
    Hope Trump is wearing sturdy shoes.

  15. #4655
    Join Date
    Sep 2007
    Location
    Undisclosed
    Quote Originally Posted by throatybeard View Post
    Hope Trump is wearing sturdy shoes.
    He'll have a Wolfpack red tie on, so that won't go over well.
    "We're only tourists in this life
    Only tourists but the view is nice"

    -- David Byrne

  16. #4656
    Join Date
    Jan 2010
    Location
    Outside Philly
    Quote Originally Posted by Jeffrey View Post
    Not sure itís 25%, but I completely agree with your point. Iíve done a lot of work (mostly volunteer) in this arena and itís amazingly hard to change. Many cultures are scared of traditional banking because of bad family experiences in their native land. The vultures who knowingly and intentionally exploit these people hate it when I speak in public. I have absolutely no hesitation to clearly explain exactly what they are doing to other humans! If they aggressively defend their choices, in public, then Iím also sometimes guilty of pointing out their private jets, exotic cars, and multiple mansions.
    I'll move any other comments on this topic to the Investment Thread where it's more appropriate but I'll just link the FDIC National Survey of Households, which is where the 25% figure comes from. Specifically, the FDIC estimates the "unbanked" at about 6% and "underbanked" at about 18%. My comments weren't very specific but this figure is what I had in mind...

  17. #4657
    Join Date
    Feb 2007
    Location
    Raleigh, NC
    Quote Originally Posted by JasonEvans View Post
    Debates coming up in two weeks, right here in Atlanta! Yesterday, a tenth candidate qualified to participate. Ugh... I was hoping to whittle the field down a bit and I think Gabbard is sorta fringe, but it appears this will be the debate field:


    -Jason "I wonder if the DNC will tighten debate rules even further... maybe make it 8 or 10% in polls to make the January debate? That would yield a 4-person debate" Evans
    My first thoughts were the following two questions: Do we really need all 10? At this point, couldn't we just go with that top 5?

    Leaving those as rhetorical, do you all think that having such a large field works against the Dems at this point? I know 3 years ago...lots of GOP hopefuls, etc but I think the Hillary factor prevented the large field from being an issue (meaning HC was not good at elections and was not super electable because of all her baggage - real and propaganda). Of course DT's baggage this time...

  18. #4658
    Join Date
    Sep 2007
    Location
    Undisclosed
    Quote Originally Posted by elvis14 View Post
    My first thoughts were the following two questions: Do we really need all 10? At this point, couldn't we just go with that top 5?

    Leaving those as rhetorical, do you all think that having such a large field works against the Dems at this point? I know 3 years ago...lots of GOP hopefuls, etc but I think the Hillary factor prevented the large field from being an issue (meaning HC was not good at elections and was not super electable because of all her baggage - real and propaganda). Of course DT's baggage this time...
    The large field splits donors, which is never good.
    "We're only tourists in this life
    Only tourists but the view is nice"

    -- David Byrne

  19. #4659
    Join Date
    Jun 2008
    Location
    Asheville, NC
    At least with all this impeachment stuff maybe a few folks have learned a little Latin

  20. #4660
    Join Date
    Dec 2008
    Location
    I know not what course others may take; but as for me, give me liberty, or give me death!
    Quote Originally Posted by PSurprise View Post
    At least with all this impeachment stuff maybe a few folks have learned a little Latin
    Yeah, my generation learned it from Hannibal Lecter, but you've got to start somewhere.

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