Therzdayz Thread

kobesgame said:
They built an immaculate house on acreage because she wanted it. His only wish for it was to have an office/library. She visited the build site one day and told the contractors to change that room from that to a yoga studio.

3 years after moving in she decided she didn’t want to board the horses anymore, so they sold their ridiculously fancy house to build a new one with more acres and a stable.
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That's the classic definition of a world class bitch. And it's own fault if he puts up with it.
 
Fish said:
derp
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Have you seen a doctor about that. Derp is the 3rd leading cause of death, preceded by cancer and support of Nick Sandstorm.
 
GF is getting her meniscus repaired October 29th and hysterectomy on December 16th.....she said she's getting a bell.....happy days.
 
Bought a customized Yeti cup for myself for my birthday!
 
olympicoscar said:
Good morning good people. A lot of movement for me yesterday. The wife is coming home (again) today, and she has another new bed. This is a hospital bed with handle bars. The old one went back, and the new one arrived about 4 hours later.

I also got a prescription from the vet for diabetic canned dog food for my dog, and that took forever, especially in the pet store. But at least I now have a permanent card. The food isn't cheap, but she only eats a little bit from the can each day.

Looking forward to any football tonight. I can't remember if there's a college game on or not. I don't even know who the pro teams are, so I'll have to check ESPN.

Thought for the day: It's amazing how 4 cups of water seems impossible to drink, but 4 cups of coffee goes down like a chubby kid on a seesaw.
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For fucks sake, she comes home from the hospital and to mark the occasion you get her dog food? I'd ask to go back to the hospital.
 
Controversial topic, eh?

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gobucks0409 said:
My plan is to start talking to a financial planner once I'm in the $400k net worth range. If you don't have a lot, it's not worth it. And I don't have a lot.... Yet
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Yeah, the money will start rolling in once you wife up and pull a Pistorius.
 
@DJr damn you lowering my epeen
 
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PnkPanther said:
not every financial planner agrees with my strategy.

I don't see how spending thousands in interest solely for deduction is a win, but that is me.

My plan is a bit more conservative, but other areas aggressive. I switched from the pension to the 403B plan. Pension plan was nice and safe, the other had higher upside. I went with upside. I also did math, the pension plan could potentially be better if I live past ~95 and I don't get very good returns on retirement account
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Say you have a mortgage (i'm only gonna use round numbers for simplicity's sake) of 3%, and you are able to deduct the mortgage interest from your earnings, making your NET INTEREST around 2%.

All you need to AVERAGE in gains each year, is 2.01% and you are ahead.

The ONLY benefits of paying off early, is peace of mind, and "freedom" from not having to make the monthly payments.

Most people fail to plan. Others plan, to fail.

You are halfway to the first. Congrats on at least putting consideration into it. What people fail to do, though, is to consider tax implications, on BOTH sides of that retirement line.

Whether you'd want to listen to this or not, you'd be better served to take excess $$$ paid towards debt obligations (UNLESS it's credit/revolving), and shifting it towards a Roth IRA to build up tax free retirement income, while still having it somewhat liquid during your earning/working years.

Now - if you don't have a rainy day fund, get one of those before anything.... regardless of what interest rates are.
 
DJr said:
GF is getting her meniscus repaired October 29th and hysterectomy on December 16th.....she said she's getting a bell.....happy days.
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Your GF is being detained by ICE?

Well, time to find another.
 
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low hemoglobin again...

RIP Todd
 
gobucks0409 said:
My plan is to start talking to a financial planner once I'm in the $400k net worth range. If you don't have a lot, it's not worth it. And I don't have a lot.... Yet
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That couldn't be further from the truth....

I have clients hitting their 30s now, that began working with me out of college. Some had student loans, others were fortunate and without.... They are all well into the 6 figures in their 401(k)s and other retirement vehicles.

The ONLY reason? They started early.
 
kobesgame said:
Imagine making $350-400k a year and having to use your PTO to go out and earn more money. Poor bastard needs to get divorced.
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I had a client like that. His daily living expenses approached $1000. Couldn't rub 2 nickels together to save for retirement, and he was woefully behind.

The only client to date, that I've fired because they truly couldn't afford me.
 
Choice of soups for lunch here, my mom gave us kale and bean soup, and we made autumn chowder last night. Probably will give the kale one a whirl just for the hell of it.
 
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