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<trapezoid> disco: the small liberal arts colleges in new england are also excellent, in my mind better than harvard/yale, cause you get full professors teaching freshman cl***es
<OcDoc> bmc: depends on your definition of work
<trapezoid> disco: actually that is why i chose another school over harvard...... but that was me
<bmc> well without having a career, without a job
<OcDoc> bmc: there you go
<Timur> which oen
<Timur> * one
<OcDoc> narrow it down
<bmc> if you can make money doing nothing, who wouldnt want that? then you can spend time doing what you want
<trapezoid> disco: fortunately i received scholarships at both schools, so all things being equal, i made my choice
<DiscoTaco> OcDoc: And the situation has gotten even worse. A state law mandates that all students in the top 10% of their high schools are automatically admitted to the Texas state school of their choice. So you have a lot of 10% kids from ****ty schools going to UT and washing out -- but not before displacing 11-20% kids from much more competitive and better-performing schools.
<bmc> real estate looks promising
<OcDoc> bmc: I am doing what I want and I get paid to do it too
<DiscoTaco> trapezoid: like Brown, Dartmouth, etc?
<bmc> takes money to make that money though
<trapezoid> timur?
<OcDoc> Disco: yup
<trapezoid> disco: no i chose amherst college.....a small liberal arts school in the same cl*** as williams and swarthmore
<Katey> Sorry if I missed some remarks that were aimed at me. I was afk
<Katey> doing stuff
<Lupine> My mother went to Darthmouth for graduate, one of the first women in her major
<OcDoc> bmc: if I won the lottery tomorrow, I'd take more expensive vacations and pay my mortgage off, otherwise I wouldn't change a thing
<US`Male> I know a chemistry prof who graduated rom Harvard - very bright guy and all, but he's teaching at FAU... he can't be making as much $$ as e could be elsewhere
<US`Male> *from
<DiscoTaco> Katey: that's OK, we were talking about you behind your back so it's no big deal if you missed it.
<bmc> OcDoc dont even try to tell me if you won millions of dollars you would continue working
<Katey> hehe
<bmc> heh
<US`Male> maybe he has relatives near Boca or something
<trapezoid> disco: i had 287 people in my freshman cl***.....the entire college had less than 1200 people, so there was a LOT of individual attention...... with grad school, of course, it is way different
<Katey> well my client was blinking at me.
<OcDoc> bmc: I would continue working
<Lupine> US: my highschool math professor was from CalTech
<Katey> So I figured I might have missed someone talking to me
<OcDoc> bmc: my only headache would be how to invest the millions
<Timur> trap: sorry, which one
<bmc> i dont see anyone doing that
<Timur> I was in another window
<trapezoid> timur: amherst
<bmc> maybe start your own business
<OcDoc> bmc: I live in the house I liked best in the entire area
<Timur> ah, right,s orry
<Timur> I think you told me that way back
<Timur> great school
<OcDoc> bmc: I work at a job where people appreciate me
<Lupine> In any technical field, a small school for graduate can be a hinderiance.. just from the standpoint of available equipment, laboratories, etc
<TimothyW> This Hummer Commercial has to go.
<bmc> but you work for someone else
<OcDoc> I enjoy the kind of work I do and enjoy going to work every day
<bmc> they make money off you
<trapezoid> timur: well, we had smith and mt holyoke right next door :)
<OcDoc> I appreciate my weekends with my wife
<DiscoTaco> Whether or not winning the lottery would change a thing would depend on how much I won. Right now the Mega Millions jackpot is 130 million dollars. That would change plenty. But the Illinois-only Lotto is "only" 3million bucks. I couldn't even retire on that at my age. Granted, I'd never have to put away another dime for said retirement, but I'd still have to keep working.
<bmc> with 3 million?
<OcDoc> Disco: but your life would be easier with the extra money
<bmc> live off the interest
<Lupine> Well.. at 3 million, a lump sump would be 1.5mill.. after taxes, that would be what.. 800k?
<trapezoid> disco: i agree.....i only buy 1 ticket for the mega-millions lottery..... why waste a buck for only $3 nil?
<OcDoc> I can't win the lottery because I don't play the lottery (unless my wife is buying tickies without telling me)
<trapezoid> mil
<bmc> well i mean $3mill
<TimothyW> Who was it that kept winning those Jackpots ?
<trapezoid> disco makes sense
<DiscoTaco> bmc: 20 or 30 years from now that interest probably wouldn't buy much more than an average standard of living. I'd sooner put it away, let it grow for 30 to 40 years and *then* live off the interest, because there'd be a hell of a lot more of it.
<trapezoid> rerally
<bmc> if i had even $1 mill i would never have to work again, heh
<trapezoid> US senator won $830,000 in Lotto recently
<Timur> trap: yeah,t hat's a great area for libarts colleges
<trapezoid> bastard
<DiscoTaco> OcDoc: true. House would be paid for. Cars would be paid for. But at 32 years old, I couldn't go too crazy with that money or else it would disappear in a right hurry and I'd be back at square one.
<Lupine> trape: yea.. vermont?
<OcDoc> bmc: but you chose where you are now?
<bmc> chose what?
<OcDoc> Disco: it's never a good idea to go crazy with ANY money
<trapezoid> disco: you surely have read how many low-end lotto winners have ended up filing for bankruptcy?
<Katey> bmc, heh. you don't work now. How would 3 mil change that?
<DiscoTaco> trapezoid: heh, I don't play any lottery games, but if I did, I guess I'd play both. I'd rather win the big one, but the odds of winning the smaller one are better. And I still wouldn't mind 3 mil even if I still had to work. :)
<trapezoid> disco: turns out $4 million doesn't go as far as they thought
<bmc> Katey i would have money
<Lupine> Well, after this move, I will have no mortgage.. have the house that I really love on a good plot of land.. and still have two investment properties
<bmc> no money => money
<bmc> see the difference?
<Katey> but you'd still be doing the same old ****
<bmc> doubtful :P
<US`Male> 3 mil is barely even enough to retire on and still be able to travel, buy things-- in some areas, still not enough
<Timur> where's 3 mil coming from?
<trapezoid> katey: still living in the basement :)
<Lupine> Once your "necessities" are paid for.. it just takes a little extra "gravy" to make a big change in your life
<bmc> i would be off hunting somewhere
<bmc> cause i could afford to
<bmc> then maybe the beach
<Lupine> bmc: yea, i'ld love to go on some real hunting trips.. montana, alaska, etc
<DiscoTaco> OcDoc: sure, it's never a good idea to go nuts with a finite supply of dough. But you'd have to spend the great holy **** outta 120 million bucks before you started to get into financial trouble. Whereas 3MM can disappear real damn quick without much effort.
<trapezoid> if i win mega-millions i will buy some new running shoes
<trapezoid> maybe a scarf
<Timur> where you could eat your raw catch, while listening to the gentle roar of the waves *heaven*
<OcDoc> I thought about putting every available dollar each year into the mortgage ... the bubble will inflate it at least 10% per year
<US`Male> if you take the payour, 3 mil os probably 1.5 mil
<US`Male> payout
<bmc> i would buy me a nice place on a lake somewhere
<bmc> and one of those airplanes that can land on the water
<bmc> and someone to fly it :P
<trapezoid> ocdoc: you think the bubble will keep going?
<TimothyW> you aren't going to buy enough ice creams to make you freeze...
<OcDoc> Disco: the problem with big money is you have to spend a lot of it to protect the rest
<DiscoTaco> Timur: Illinois Lotto (not the multi-state Mega-Millions) jackpot is 3mil right now.
<Timur> Disco: ah, gotta love a sure thing
<OcDoc> trap: i'm on the leading edge of the Seattle buble
<OcDoc> bubble
<DiscoTaco> Timur: you sure do. So let me know if you find one. :)
<trapezoid> ocdoc: bubbles have this propensity to pop
<Tim-brb> lol sure
<Tim-brb> brb
<trapezoid> although there are many exceptions
<OcDoc> trap: not so far, and little reason to think this one will before I want to retire
<DiscoTaco> NYC is not a bubble. There's just that much demand.
<Katey> trapezoid, what are your thoughts on the "housing bubble"?
<US`Male> well -- if it doesn't pop, then it wasn't a bubble
<trapezoid> nyc prices have dropped 14% over the last year
<DiscoTaco> San Fran is probably a bubble because it's a boutique city.
<OcDoc> trap: the market cools for a while but view homes on the sound will only go up
<DiscoTaco> trapezoid: no ****? wow.
<trapezoid> yeah
<trapezoid> weird
<OcDoc> trap: I've already rolled over once ... what do they call it? flipping
<trapezoid> and properties now take longer to sell
<TimothyW> If the Pope wins the Lottery ? Do we crucify him ?
<trapezoid> ocdoc you are lucky
<Katey> TimothyW, yes
<OcDoc> trap: I would never have invested in NYC
<OcDoc> trap: we kept looking
<trapezoid> well nyc has 1 benefit: it is an island
<DiscoTaco> trapezoid: Still, NYC is probably a safe long-term bet. Maybe not for substantial growth, but definitely against loss of value.
<trapezoid> limited space
<OcDoc> trap: but it's a no brainer here
<Lupine> I've flipped several properties
<trapezoid> disco: exactly
<DiscoTaco> Then again, all but the most desparate backwater holes are a safe long-term bet so I'm not exactly going out on a limb. :)
<TimothyW> Katey : no. We take that money to pay for Priest Abuses. And Consider it Taxes.
<bmc> people should invest in this area, drive the prices way up, so i can buy a ****hole make it look pretty and profit nicely off it :P
<trapezoid> but interest rates are clinmbing a lot recently
<Katey> TimothyW, no crucifiction? That's sort of boring.
<DiscoTaco> San Fran, though... There will always be demand in San Fran but so much of the price of real estate out there seems to be attributable to the "coolness factor"
<OcDoc> I got 6% on a jumbo
<DiscoTaco> "I just *gotta* live there, even if I'm paying a million for a ****-*** run-down ranch!"
<trapezoid> in the last week they rose higher than 4 years, as regards the 2 year note
<OcDoc> Disco: there will always be millionaires who will buy from you because of that
<trapezoid> and the 10 year note is as high as last march
<Katey> TimothyW, will we crucify Rev. Moon if he wins the lottery?
<trapezoid> ocdoc: how long?
<trapezoid> fixed 20 or 30?
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