Post by: CigarBanter on January 05, 2018, 12:00:56 AM
Post by: FloridaDean on January 05, 2018, 04:34:21 AM
Post by: LuvTooGolf on January 05, 2018, 06:02:11 AM
good morning. 27° and clear, should be the last cold day, 60's and 70's Saturday and Sunday. Little Buddy heater fired up while I throw on a pot of coffee. AF Cuban corona will be lit soon.Morning, Dean. Still bullshit degrees outside here. Not warming up until Sunday. I think my furnace is about to pack up and move to FL.
Post by: A Friend of Charlie on January 05, 2018, 06:34:13 AM
Post by: LuvTooGolf on January 05, 2018, 06:47:57 AM
Good morning Dean and Dave.Morning, Tony. You working from home today?
Post by: sfish on January 05, 2018, 07:00:11 AM
Post by: Travellin Dave on January 05, 2018, 07:13:30 AM
Post by: Travellin Dave on January 05, 2018, 07:15:17 AM
Post by: Travellin Dave on January 05, 2018, 07:16:11 AM
Today's Highlight in History:
On Jan. 5, 1953, Samuel Beckett's two-act tragicomedy "Waiting for Godot," considered a classic of the Theater of the Absurd, premiered in Paris.
On this date:
In 1066, Edward the Confessor, King of England, died after a reign of nearly 24 years.
In 1781, a British naval expedition led by Benedict Arnold burned Richmond, Virginia.
In 1895, French Capt. Alfred Dreyfus, convicted of treason, was publicly stripped of his rank. (He was ultimately vindicated.)
In 1905, the National Association of Audubon Societies for the Protection of Wild Birds and Animals was incorporated in New York State.
In 1925, Democrat Nellie Tayloe Ross of Wyoming took office as America's first female governor, succeeding her late husband, William, following a special election.
In 1933, the 30th president of the United States, Calvin Coolidge, died in Northampton, Massachusetts, at age 60. Construction began on the Golden Gate Bridge. (Work was completed four years later.)
In 1943, educator and scientist George Washington Carver died in Tuskegee, Alabama, at about age 80.
In 1957, President Dwight D. Eisenhower proposed assistance to countries to help them resist Communist aggression in what became known as the Eisenhower Doctrine.
In 1964, during a visit to the Holy Land, Pope Paul VI met with Patriarch Athenagoras I of Constantinople in Jerusalem.
In 1970, Joseph A. Yablonski, an unsuccessful candidate for the presidency of the United Mine Workers of America, was found murdered with his wife and daughter at their Clarksville, Pennsylvania, home. (UMWA President Tony Boyle and seven others were convicted of, or pleaded guilty to, the killings.) "All My Children" premiered on ABC-TV.
In 1983, President Ronald Reagan announced he was nominating Elizabeth Dole to succeed Drew Lewis as secretary of transportation; Dole became the first woman to head a Cabinet department in Reagan's administration, and the first to head the DOT.
In 1998, Sonny Bono, the 1960s pop star-turned-politician, was killed when he struck a tree while skiing at the Heavenly Ski Resort on the Nevada-California state line; he was 62.
Post by: LuvTooGolf on January 05, 2018, 07:16:41 AM
Good morning boys and happy friday! My face almost fell off on my walk in this morningBomb cyclone!
Post by: Travellin Dave on January 05, 2018, 07:16:56 AM
Five years ago: President Barack Obama hailed a last-minute deal with Congress that pulled the country back from the "fiscal cliff," but warned in his Saturday radio and Internet address that he would not compromise over his insistence that lawmakers lift the federal debt ceiling.
One year ago: President-elect Donald Trump, in a series of tweets, urged Republicans and Democrats to "get together" to design a replacement for President Barack Obama's health care law. Four black people in Chicago were charged with hate crimes in connection with a video broadcast live on Facebook that showed a mentally disabled white man being tortured. Friends and family members gathered at the next-door homes of Debbie Reynolds and daughter Carrie Fisher in the Hollywood Hills for an intimate memorial to mourn the late actresses.
Post by: LuvTooGolf on January 05, 2018, 07:17:11 AM
A balmy 10 degrees here.A robust 5 here.
Post by: Travellin Dave on January 05, 2018, 07:17:28 AM
Post by: Travellin Dave on January 05, 2018, 07:17:58 AM
Post by: sfish on January 05, 2018, 07:22:17 AM
Exactly, now I know what that meansGood morning boys and happy friday! My face almost fell off on my walk in this morningBomb cyclone!
Post by: Threebean on January 05, 2018, 07:25:08 AM
Sheesh on that, 40 deg here now, with forecast for sunny and 60.A balmy 10 degrees here.A robust 5 here.
Post by: Threebean on January 05, 2018, 07:27:44 AM
Post by: LuvTooGolf on January 05, 2018, 07:28:39 AM
Actually, make that 2.A balmy 10 degrees here.A robust 5 here.
Post by: LuvTooGolf on January 05, 2018, 07:29:25 AM
Supposed to get up to 27 on Sunday. I may wear shorts.Sheesh on that, 40 deg here now, with forecast for sunny and 60.A balmy 10 degrees here.A robust 5 here.
Post by: Travellin Dave on January 05, 2018, 07:29:30 AM
Post by: Travellin Dave on January 05, 2018, 07:30:20 AM
I always wear shorts....just sayin'Supposed to get up to 27 on Sunday. I may wear shorts.Sheesh on that, 40 deg here now, with forecast for sunny and 60.A balmy 10 degrees here.A robust 5 here.
Post by: Travellin Dave on January 05, 2018, 07:30:53 AM
Post by: Threebean on January 05, 2018, 07:49:09 AM
So you and Dean aren't necessarily on the same page in that regard. Or so I've heard.I always wear shorts....just sayin'Supposed to get up to 27 on Sunday. I may wear shorts.Sheesh on that, 40 deg here now, with forecast for sunny and 60.A balmy 10 degrees here.A robust 5 here.
Post by: Travellin Dave on January 05, 2018, 07:51:54 AM
That's one of many same pages we don't share.So you and Dean aren't necessarily on the same page in that regard. Or so I've heard.I always wear shorts....just sayin'Supposed to get up to 27 on Sunday. I may wear shorts.Sheesh on that, 40 deg here now, with forecast for sunny and 60.A balmy 10 degrees here.A robust 5 here.
Post by: FloridaDean on January 05, 2018, 07:52:52 AM
misplaced my phone. 3 hours looking and it was right in front of me. black phone on black garbage can. ha. dumbass.good morning. 27° and clear, should be the last cold day, 60's and 70's Saturday and Sunday. Little Buddy heater fired up while I throw on a pot of coffee. AF Cuban corona will be lit soon.Morning, Dean. Still bullshit degrees outside here. Not warming up until Sunday. I think my furnace is about to pack up and move to FL.
Post by: FloridaDean on January 05, 2018, 07:53:35 AM
you really want to go there?So you and Dean aren't necessarily on the same page in that regard. Or so I've heard.I always wear shorts....just sayin'Supposed to get up to 27 on Sunday. I may wear shorts.Sheesh on that, 40 deg here now, with forecast for sunny and 60.A balmy 10 degrees here.A robust 5 here.
Post by: FloridaDean on January 05, 2018, 08:03:15 AM
Good morning boys and happy friday! My face almost fell off on my walk in this morningI barely remember those days.
Post by: FloridaDean on January 05, 2018, 08:04:11 AM
Post by: Threebean on January 05, 2018, 08:09:58 AM
good morning Dave, Dave, Tony, Scott, and Mark.Good morning, HanginFreeDean.
Post by: sfish on January 05, 2018, 08:25:33 AM
Morning NonCommandoDaveI always wear shorts....just sayin'Supposed to get up to 27 on Sunday. I may wear shorts.Sheesh on that, 40 deg here now, with forecast for sunny and 60.A balmy 10 degrees here.A robust 5 here.
Post by: FloridaDean on January 05, 2018, 08:38:04 AM
Post by: Travellin Dave on January 05, 2018, 09:00:53 AM
just watching videos and news on the storm. quite the mess. a good reminder of one reason I'm in Florida.We will remind you of that next time you are complaining about those terrible 50 degree mornings.... ;)
Post by: FloridaDean on January 05, 2018, 09:10:49 AM
that should be tomorrow.just watching videos and news on the storm. quite the mess. a good reminder of one reason I'm in Florida.We will remind you of that next time you are complaining about those terrible 50 degree mornings.... ;)
Post by: FloridaDean on January 05, 2018, 09:46:42 AM
Post by: LuvTooGolf on January 05, 2018, 09:50:38 AM
cold lull?Fingers frozen to the keyboard lull.
Post by: A Friend of Charlie on January 05, 2018, 10:01:07 AM
I am. It's been a busy morning so please excuse the delay.Good morning Dean and Dave.Morning, Tony. You working from home today?
Post by: A Friend of Charlie on January 05, 2018, 10:04:20 AM
Looks like Sis forgot to flip the deals today....I noticed that too but then I began second guessing myself.
Post by: A Friend of Charlie on January 05, 2018, 10:06:15 AM
No going commando for NJDave?I always wear shorts....just sayin'Supposed to get up to 27 on Sunday. I may wear shorts.Sheesh on that, 40 deg here now, with forecast for sunny and 60.A balmy 10 degrees here.A robust 5 here.
Edit: I see this has already been discussed ad nauseum.
Post by: sfish on January 05, 2018, 10:15:15 AM
Never a bad approach ;DLooks like Sis forgot to flip the deals today....I noticed that too but then I began second guessing myself.
Post by: Travellin Dave on January 05, 2018, 10:19:13 AM
Being a little sympathetic?Looks like Sis forgot to flip the deals today....I noticed that too but then I began second guessing myself.
Post by: Travellin Dave on January 05, 2018, 10:19:48 AM
key word hereNo going commando for NJDave?I always wear shorts....just sayin'Supposed to get up to 27 on Sunday. I may wear shorts.Sheesh on that, 40 deg here now, with forecast for sunny and 60.A balmy 10 degrees here.A robust 5 here.
Edit: I see this has already been discussed ad nauseum.
Post by: Travellin Dave on January 05, 2018, 10:20:19 AM
Just don't go to the bathroom! :o :Pcold lull?Fingers frozen to the keyboard lull.
Post by: A Friend of Charlie on January 05, 2018, 10:25:10 AM
Actually that's a problem I'm trying to fix about myself...Never a bad approach ;DLooks like Sis forgot to flip the deals today....I noticed that too but then I began second guessing myself.
In this case, I flipped this site at midnight and didn't look to see what deals were out. But when I woke up at 3 and noticed an email from my agent with the contract renewal I had been waiting for...
So now I was awake and decided to look at the deals. Wasn't sure if the cigar.com deal looked familiar because I had seen it at the flip or if it was the previous day's deal. Either way it wasn't that important so I eventually fell back to sleep.
Post by: Threebean on January 05, 2018, 10:27:02 AM
Thanks for sharing..Actually that's a problem I'm trying to fix about myself...Never a bad approach ;DLooks like Sis forgot to flip the deals today....I noticed that too but then I began second guessing myself.
In this case, I flipped this site at midnight and didn't look to see what deals were out. But when I woke up at 3 and noticed an email from my agent with the contract renewal I had been waiting for...
So now I was awake and decided to look at the deals. Wasn't sure if the cigar.com deal looked familiar because I had seen it at the flip or if it was the previous day's deal. Either way it wasn't that important so I eventually fell back to sleep.
Post by: Travellin Dave on January 05, 2018, 10:27:23 AM
Definition of senescence (Webster)
1 : the state of being old : the process of becoming old
Post by: Travellin Dave on January 05, 2018, 10:30:43 AM
defenestration
1 : a throwing of a person or thing out of a window assassination by defenestration
2 : a usually swift dismissal or expulsion (as from a political party or office) the defenestration of political leaders
Post by: Travellin Dave on January 05, 2018, 10:40:44 AM
opprobrium
op·pro·bri·um
əˈprōbrēəm/Submit
noun
harsh criticism or censure.
"his films and the critical opprobrium they have generated"
synonyms: vilification, abuse, vituperation, condemnation, criticism, censure, denunciation, defamation, denigration, castigation, disparagement, obloquy, derogation, slander, calumny, execration, lambasting, bad press, invective, libel, character assassination; More
the public disgrace arising from someone's shameful conduct.
"the opprobrium of being closely associated with thugs and gangsters"
synonyms: disgrace, shame, dishonor, stigma, humiliation, discredit, loss of face, ignominy, obloquy, disrepute, infamy, notoriety, scandal; raredisesteem
"the opprobrium of being associated with thugs"
archaic
an occasion or cause of reproach or disgrace.
plural noun: opprobriums
Post by: Travellin Dave on January 05, 2018, 10:42:39 AM
Powerball, Mega Millions jackpots balloon to $550 million and $445 million!
(drawings tonight and tomorrow)
Post by: A Friend of Charlie on January 05, 2018, 10:47:35 AM
Too much?Thanks for sharing..Actually that's a problem I'm trying to fix about myself...Never a bad approach ;DLooks like Sis forgot to flip the deals today....I noticed that too but then I began second guessing myself.
In this case, I flipped this site at midnight and didn't look to see what deals were out. But when I woke up at 3 and noticed an email from my agent with the contract renewal I had been waiting for...
So now I was awake and decided to look at the deals. Wasn't sure if the cigar.com deal looked familiar because I had seen it at the flip or if it was the previous day's deal. Either way it wasn't that important so I eventually fell back to sleep.
Post by: Threebean on January 05, 2018, 10:49:26 AM
Not at all, I found it fascinating.Too much?Thanks for sharing..Actually that's a problem I'm trying to fix about myself...Never a bad approach ;DLooks like Sis forgot to flip the deals today....I noticed that too but then I began second guessing myself.
In this case, I flipped this site at midnight and didn't look to see what deals were out. But when I woke up at 3 and noticed an email from my agent with the contract renewal I had been waiting for...
So now I was awake and decided to look at the deals. Wasn't sure if the cigar.com deal looked familiar because I had seen it at the flip or if it was the previous day's deal. Either way it wasn't that important so I eventually fell back to sleep.
Post by: A Friend of Charlie on January 05, 2018, 10:58:01 AM
I almost deleted it before I posted but then I had already typed all that.Not at all, I found it fascinating.Too much?Thanks for sharing..Actually that's a problem I'm trying to fix about myself...Never a bad approach ;DLooks like Sis forgot to flip the deals today....I noticed that too but then I began second guessing myself.
In this case, I flipped this site at midnight and didn't look to see what deals were out. But when I woke up at 3 and noticed an email from my agent with the contract renewal I had been waiting for...
So now I was awake and decided to look at the deals. Wasn't sure if the cigar.com deal looked familiar because I had seen it at the flip or if it was the previous day's deal. Either way it wasn't that important so I eventually fell back to sleep.
Post by: LuvTooGolf on January 05, 2018, 11:23:11 AM
You go ahead and do your thing, Tony.I almost deleted it before I posted but then I had already typed all that.Not at all, I found it fascinating.Too much?Thanks for sharing..Actually that's a problem I'm trying to fix about myself...Never a bad approach ;DLooks like Sis forgot to flip the deals today....I noticed that too but then I began second guessing myself.
In this case, I flipped this site at midnight and didn't look to see what deals were out. But when I woke up at 3 and noticed an email from my agent with the contract renewal I had been waiting for...
So now I was awake and decided to look at the deals. Wasn't sure if the cigar.com deal looked familiar because I had seen it at the flip or if it was the previous day's deal. Either way it wasn't that important so I eventually fell back to sleep.
Post by: Travellin Dave on January 05, 2018, 11:27:09 AM
Post by: razgueado on January 05, 2018, 11:38:21 AM
Post by: Travellin Dave on January 05, 2018, 11:46:12 AM
Post by: A Friend of Charlie on January 05, 2018, 11:46:22 AM
Morning, muchachos.Hello Bret. Have a seat on the couch.
Post by: razgueado on January 05, 2018, 11:54:55 AM
Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: razgueado on January 05, 2018, 11:56:35 AM
I think I'll, uh, stay right here in my recliner. And if you offer me a drink and a quaalude next, I'm leaving. Morning, Mr. Mayor.Morning, muchachos.Hello Bret. Have a seat on the couch.
Post by: Threebean on January 05, 2018, 11:57:37 AM
Lets go with the triple play today.....The wifey weather up that way has put you in a saturnine mood.
opprobrium
op·pro·bri·um
əˈprōbrēəm/Submit
noun
harsh criticism or censure.
"his films and the critical opprobrium they have generated"
synonyms: vilification, abuse, vituperation, condemnation, criticism, censure, denunciation, defamation, denigration, castigation, disparagement, obloquy, derogation, slander, calumny, execration, lambasting, bad press, invective, libel, character assassination; More
the public disgrace arising from someone's shameful conduct.
"the opprobrium of being closely associated with thugs and gangsters"
synonyms: disgrace, shame, dishonor, stigma, humiliation, discredit, loss of face, ignominy, obloquy, disrepute, infamy, notoriety, scandal; raredisesteem
"the opprobrium of being associated with thugs"
archaic
an occasion or cause of reproach or disgrace.
plural noun: opprobriums
Post by: Travellin Dave on January 05, 2018, 11:58:30 AM
Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: Threebean on January 05, 2018, 11:59:08 AM
No groping for you? Come on, it's Friday.I think I'll, uh, stay right here in my recliner. And if you offer me a drink and a quaalude next, I'm leaving. Morning, Mr. Mayor.Morning, muchachos.Hello Bret. Have a seat on the couch.
Post by: razgueado on January 05, 2018, 12:05:07 PM
I'm a no-groping zone. I have guns. And lawyers. No touchee.No groping for you? Come on, it's Friday.I think I'll, uh, stay right here in my recliner. And if you offer me a drink and a quaalude next, I'm leaving. Morning, Mr. Mayor.Morning, muchachos.Hello Bret. Have a seat on the couch.
Post by: A Friend of Charlie on January 05, 2018, 12:07:48 PM
Why Mr. Cosby, what was in that drink?I think I'll, uh, stay right here in my recliner. And if you offer me a drink and a quaalude next, I'm leaving. Morning, Mr. Mayor.Morning, muchachos.Hello Bret. Have a seat on the couch.
#MeToo
Post by: razgueado on January 05, 2018, 12:12:26 PM
I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: Threebean on January 05, 2018, 12:38:13 PM
Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: FloridaDean on January 05, 2018, 12:40:32 PM
Post by: FloridaDean on January 05, 2018, 12:42:31 PM
now doctor, if both of your hands are on my shoulders, just what is that in my butt?I'm a no-groping zone. I have guns. And lawyers. No touchee.No groping for you? Come on, it's Friday.I think I'll, uh, stay right here in my recliner. And if you offer me a drink and a quaalude next, I'm leaving. Morning, Mr. Mayor.Morning, muchachos.Hello Bret. Have a seat on the couch.
Post by: A Friend of Charlie on January 05, 2018, 12:53:22 PM
I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: LuvTooGolf on January 05, 2018, 12:59:55 PM
Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: Threebean on January 05, 2018, 01:23:03 PM
forgot about having to do reports for Sunday and prepare for Area next weekend, then sorting some local archives for a workshop early next month in Winter Park.Well you'd better quit fk'n off here and get after it!
Post by: Travellin Dave on January 05, 2018, 01:26:53 PM
Very possiblyLets go with the triple play today.....The wifey weather up that way has put you in a saturnine mood.
opprobrium
op·pro·bri·um
əˈprōbrēəm/Submit
noun
harsh criticism or censure.
"his films and the critical opprobrium they have generated"
synonyms: vilification, abuse, vituperation, condemnation, criticism, censure, denunciation, defamation, denigration, castigation, disparagement, obloquy, derogation, slander, calumny, execration, lambasting, bad press, invective, libel, character assassination; More
the public disgrace arising from someone's shameful conduct.
"the opprobrium of being closely associated with thugs and gangsters"
synonyms: disgrace, shame, dishonor, stigma, humiliation, discredit, loss of face, ignominy, obloquy, disrepute, infamy, notoriety, scandal; raredisesteem
"the opprobrium of being associated with thugs"
archaic
an occasion or cause of reproach or disgrace.
plural noun: opprobriums
...or maybe it was watching the mummers parade and these Saturnalians...
http://phl17.com/2017/12/12/saturnalian-fancy-brigade-at-the-2018-mummers-parade/
Post by: razgueado on January 05, 2018, 01:28:00 PM
Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: Travellin Dave on January 05, 2018, 01:28:40 PM
Don't ask, don't tell.now doctor, if both of your hands are on my shoulders, just what is that in my butt?I'm a no-groping zone. I have guns. And lawyers. No touchee.No groping for you? Come on, it's Friday.I think I'll, uh, stay right here in my recliner. And if you offer me a drink and a quaalude next, I'm leaving. Morning, Mr. Mayor.Morning, muchachos.Hello Bret. Have a seat on the couch.
Post by: Travellin Dave on January 05, 2018, 01:29:56 PM
Yea you're right, I number of us do have bigger asses than you.Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: LuvTooGolf on January 05, 2018, 01:32:05 PM
Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Post by: FloridaDean on January 05, 2018, 01:34:48 PM
make sure you invest a couple bucks in the Mega Millions and Power Ball. hey, you never know.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: FloridaDean on January 05, 2018, 01:35:51 PM
.......but you got guns and whiskey!Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: A Friend of Charlie on January 05, 2018, 01:36:06 PM
Present!Yea you're right, I number of us do have bigger asses than you.Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: Travellin Dave on January 05, 2018, 01:41:00 PM
Oh......assets......never mind.Yea you're right, I number of us do have bigger asses than you.Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: Travellin Dave on January 05, 2018, 01:41:35 PM
Stopping on my way home.make sure you invest a couple bucks in the Mega Millions and Power Ball. hey, you never know.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: Threebean on January 05, 2018, 01:50:35 PM
Yeah, yeah, TNWSSOh......assets......never mind.Yea you're right, I number of us do have bigger asses than you.Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: razgueado on January 05, 2018, 01:52:35 PM
I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: razgueado on January 05, 2018, 01:56:31 PM
Yeah, so I could always take up bank robbery if worst comes to worst........but you got guns and whiskey!Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
Post by: Threebean on January 05, 2018, 02:00:11 PM
https://youtu.be/cUhyx2dVWfY (https://youtu.be/cUhyx2dVWfY)I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: LuvTooGolf on January 05, 2018, 02:04:05 PM
Yeah, I'm also worth much more dead than alive.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: razgueado on January 05, 2018, 02:04:32 PM
On another note, the meals the wife's been making lately have had a faint metallic, copper taste. Is it just my taste buds getting old?https://youtu.be/cUhyx2dVWfY (https://youtu.be/cUhyx2dVWfY)I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: flip from jersey on January 05, 2018, 02:09:36 PM
#ME TooYeah, I'm also worth much more dead than alive.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: FloridaDean on January 05, 2018, 02:15:02 PM
Health Insurance, Health Insurance, Health Insurance.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: LuvTooGolf on January 05, 2018, 02:20:06 PM
Post by: razgueado on January 05, 2018, 02:21:08 PM
Yeah, that's the biggest worry. Even with the pretty good health insurance I have, a serious health crisis could do a lot of damage. I'm pretty healthy, but not exactly low-risk.Health Insurance, Health Insurance, Health Insurance.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: razgueado on January 05, 2018, 02:21:37 PM
Hazzuh!Seeyuz, Dave.
Post by: FloridaDean on January 05, 2018, 02:24:14 PM
Hazzuh!Later Dave.
Post by: Travellin Dave on January 05, 2018, 02:54:30 PM
Do keep in mind that there is a "catch up" contribution available for 401K from age 50 on. You can deduct up to 6K above the regular maximum of 18K. Adds a nice little something both in reducing taxable income and deferred tax savings.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: Travellin Dave on January 05, 2018, 02:54:52 PM
Post by: Travellin Dave on January 05, 2018, 02:56:25 PM
It's nothing I'm sure. Just wash it down with an extra couple of fingers of bourbon.On another note, the meals the wife's been making lately have had a faint metallic, copper taste. Is it just my taste buds getting old?https://youtu.be/cUhyx2dVWfY (https://youtu.be/cUhyx2dVWfY)I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: Travellin Dave on January 05, 2018, 03:01:18 PM
You have a couple of safes full of cures for long term health issues...Yeah, that's the biggest worry. Even with the pretty good health insurance I have, a serious health crisis could do a lot of damage. I'm pretty healthy, but not exactly low-risk.Health Insurance, Health Insurance, Health Insurance.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: razgueado on January 05, 2018, 03:02:50 PM
I work for the state. No 401(k). I have something similar, except no matching and I can't increase the payroll deduction amount unless I change agencies. And there's no way to do a catch-up contribution. I could defer salary, but that doesn't pay off as well as getting the money into the market.Do keep in mind that there is a "catch up" contribution available for 401K from age 50 on. You can deduct up to 6K above the regular maximum of 18K. Adds a nice little something both in reducing taxable income and deferred tax savings.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
That account has been doing pretty well lately. 14% or so. But it's a retirement-date targeted fund, and has no options for configuring or weighting. Completely under control of the state Investment Board.
Post by: razgueado on January 05, 2018, 03:05:18 PM
Yes, but then the life insurance won't pay off. I do have the option of physician-assisted suicide in the face of a terminal illness, and the death certificate will list cause of death as the illness, not the PAS. So there's that.You have a couple of safes full of cures for long term health issues...Yeah, that's the biggest worry. Even with the pretty good health insurance I have, a serious health crisis could do a lot of damage. I'm pretty healthy, but not exactly low-risk.Health Insurance, Health Insurance, Health Insurance.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: Travellin Dave on January 05, 2018, 03:34:28 PM
Interesting. Don't doubt that the state can screw up any plan, but the critieria are set by the IRS, not really the plan.I work for the state. No 401(k). I have something similar, except no matching and I can't increase the payroll deduction amount unless I change agencies. And there's no way to do a catch-up contribution. I could defer salary, but that doesn't pay off as well as getting the money into the market.Do keep in mind that there is a "catch up" contribution available for 401K from age 50 on. You can deduct up to 6K above the regular maximum of 18K. Adds a nice little something both in reducing taxable income and deferred tax savings.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
That account has been doing pretty well lately. 14% or so. But it's a retirement-date targeted fund, and has no options for configuring or weighting. Completely under control of the state Investment Board.
https://www.irs.gov/newsroom/irs-announces-2017-pension-plan-limitations-401k-contribution-limit-remains-unchanged-at-18000-for-2017
Post by: Travellin Dave on January 05, 2018, 03:35:31 PM
Exactly...didn't mean to infer that you had to do it, there are just various ways to expedite.Yes, but then the life insurance won't pay off. I do have the option of physician-assisted suicide in the face of a terminal illness, and the death certificate will list cause of death as the illness, not the PAS. So there's that.You have a couple of safes full of cures for long term health issues...Yeah, that's the biggest worry. Even with the pretty good health insurance I have, a serious health crisis could do a lot of damage. I'm pretty healthy, but not exactly low-risk.Health Insurance, Health Insurance, Health Insurance.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
Post by: razgueado on January 05, 2018, 03:52:11 PM
Yes, and I believe it's a 403(b) plan, but as the instructions state, catch-ups can be contributed "if permitted by the plan." Ours, it would seem, doesn't...though there may be some mechanism available that I am just unfamiliar with.Interesting. Don't doubt that the state can screw up any plan, but the critieria are set by the IRS, not really the plan.I work for the state. No 401(k). I have something similar, except no matching and I can't increase the payroll deduction amount unless I change agencies. And there's no way to do a catch-up contribution. I could defer salary, but that doesn't pay off as well as getting the money into the market.Do keep in mind that there is a "catch up" contribution available for 401K from age 50 on. You can deduct up to 6K above the regular maximum of 18K. Adds a nice little something both in reducing taxable income and deferred tax savings.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
That account has been doing pretty well lately. 14% or so. But it's a retirement-date targeted fund, and has no options for configuring or weighting. Completely under control of the state Investment Board.
https://www.irs.gov/newsroom/irs-announces-2017-pension-plan-limitations-401k-contribution-limit-remains-unchanged-at-18000-for-2017
Even so, in the current market I'd be inclined to drop my money into my personal Roth than hand it to the state, because I have more flexibility. But I'm running the numbers to see what effect the new tax law is going to have.
Post by: razgueado on January 05, 2018, 03:54:11 PM
Exactly...didn't mean to infer that you had to do it, there are just various ways to expedite.Yes, but then the life insurance won't pay off. I do have the option of physician-assisted suicide in the face of a terminal illness, and the death certificate will list cause of death as the illness, not the PAS. So there's that.You have a couple of safes full of cures for long term health issues...Yeah, that's the biggest worry. Even with the pretty good health insurance I have, a serious health crisis could do a lot of damage. I'm pretty healthy, but not exactly low-risk.Health Insurance, Health Insurance, Health Insurance.I've got twelve years to retirement at the state. I have a net worth of maybe $250k. I've got two kids in college which is probably going to cost me $150k before all is said and done. At current projections, assuming no major crises, social security doesn't go bankrupt, and no more than two moderate recessions, I'm looking at retiring on a state pension of about $2k a month and social security of about $2k a month, and if I'm lucky maybe $300k saved up and $300k in home equity by then. That makes me better off than most Americans, I'm told, but likely about a million short of ideal with very little margin for error or another Great Recession (which set me back about 38%).Oh, yeah, I'm just...fooling with you guys. Definitely...Yeah, yeah...I expect all you guys have a lot more assets than I do. I've been on the Banter longer than I've had any money invested other than my state retirement account. I'm a latecomer. And I had to break my leg to pay for it. I'm trying to make up for a lot of lost time.Yours is empty? Mine is full of moths where the money should be.I was about to post a photo of my empty wallet.Between you and Tony this has been a fascinating banter day.I got 1.2% on my liquid savings last year. I decided 6 months salary was too much liquid, so I dropped it to 3 months and moved more into the market on Dec 15. That's grown 6% since then, and at end of month I made us much in dividends on that money as I'd earned in interest on it past twelve months. Now I'm not even sure I should keep 3 months salary liquid. But that's what all the experts say to do.Don't know, but it's been quite the ride!Good day EarthShakinRaz.Sheesh, another banner open for the market. I wonder how high it can go before everyone decides it's too good to be true and bails out? Morning, TD.
(https://i.imgur.com/lElxbNC.gif)
Of course, if I get cancer or die on the motorcycle, then the wife will be a millionaire, so there's that.
And I've thought such contingencies through, especially after my mom died of cancer.
None of us gets out alive, just a matter of when and under what circumstances.
Post by: FloridaDean on January 05, 2018, 04:04:12 PM
Post by: FloridaDean on January 05, 2018, 05:19:48 PM
Post by: A Friend of Charlie on January 05, 2018, 05:21:07 PM
cheap cigar lull?I just got off work and was catching up on the banter lull.
Post by: A Friend of Charlie on January 05, 2018, 05:21:48 PM
my late Christmas present. 3 day shipping my ass.What are the ones in the lower left corner and what is in the upper right, Deano?
Post by: FloridaDean on January 05, 2018, 05:27:29 PM
Sister house blends. Nicaraguan Primeros and CCom maduro and connie.my late Christmas present. 3 day shipping my ass.What are the ones in the lower left corner and what is in the upper right, Deano?
Post by: razgueado on January 05, 2018, 05:43:27 PM
my late Christmas present. 3 day shipping my ass.Nice haul, though.
Post by: A Friend of Charlie on January 05, 2018, 05:57:21 PM
Post by: FloridaDean on January 05, 2018, 06:00:15 PM
gotta give them a month of down time though, but they'll hold me over for a bit. I smoke what I like and like what I smoke.my late Christmas present. 3 day shipping my ass.Nice haul, though.
Post by: FloridaDean on January 05, 2018, 06:01:24 PM
Well boys, time for me to get the Cuban dinner ready. White rice, black beans, and a pork shoulder I slow roasted for 8 hours.Mmmmm, I had cube steaks in mushroom gravy and oven browned potatoes.
Post by: razgueado on January 05, 2018, 06:18:51 PM
Won't hear me criticizin'.gotta give them a month of down time though, but they'll hold me over for a bit. I smoke what I like and like what I smoke.my late Christmas present. 3 day shipping my ass.Nice haul, though.
Post by: FloridaDean on January 05, 2018, 06:30:05 PM
wouldn't matter if you did. LOL.Won't hear me criticizin'.gotta give them a month of down time though, but they'll hold me over for a bit. I smoke what I like and like what I smoke.my late Christmas present. 3 day shipping my ass.Nice haul, though.
Post by: A Friend of Charlie on January 05, 2018, 06:35:24 PM
That sounds good too.Well boys, time for me to get the Cuban dinner ready. White rice, black beans, and a pork shoulder I slow roasted for 8 hours.Mmmmm, I had cube steaks in mushroom gravy and oven browned potatoes.
Post by: FloridaDean on January 05, 2018, 06:37:50 PM
Post by: A Friend of Charlie on January 05, 2018, 07:14:24 PM
heading to the beach to see the stars. later.Have a nice evening, Deano.
Post by: Threebean on January 05, 2018, 08:21:46 PM
Carry out Chinese from a small neighborhood place which consistently kicks ass.That sounds good too.Well boys, time for me to get the Cuban dinner ready. White rice, black beans, and a pork shoulder I slow roasted for 8 hours.Mmmmm, I had cube steaks in mushroom gravy and oven browned potatoes.
Post by: Threebean on January 05, 2018, 08:23:31 PM
But gotta admit slow roasted pork from Chef Tonys kitchen sounds damn good.That sounds good too.Well boys, time for me to get the Cuban dinner ready. White rice, black beans, and a pork shoulder I slow roasted for 8 hours.Mmmmm, I had cube steaks in mushroom gravy and oven browned potatoes.
Post by: A Friend of Charlie on January 05, 2018, 10:00:46 PM
Wound up being great. Still have about 7 1/2 lbs left. Also made a salad and some stuffed mushrooms. It was pretty much a feast. Now we'll veg in front of the boob tube for a bit and call it a night.But gotta admit slow roasted pork from Chef Tonys kitchen sounds damn good.That sounds good too.Well boys, time for me to get the Cuban dinner ready. White rice, black beans, and a pork shoulder I slow roasted for 8 hours.Mmmmm, I had cube steaks in mushroom gravy and oven browned potatoes.
Post by: Threebean on January 05, 2018, 10:03:21 PM
I shall join you.Wound up being great. Still have about 7 1/2 lbs left. Also made a salad and some stuffed mushrooms. It was pretty much a feast. Now we'll veg in front of the boob tube for a bit and call it a night.But gotta admit slow roasted pork from Chef Tonys kitchen sounds damn good.That sounds good too.Well boys, time for me to get the Cuban dinner ready. White rice, black beans, and a pork shoulder I slow roasted for 8 hours.Mmmmm, I had cube steaks in mushroom gravy and oven browned potatoes.