Jump to content

All Activity

This stream auto-updates

  1. Past hour
  2. I don't know what happened. Easily could have been an accident but could just as easily be suicide. I had a client that killed himself. Suicide pact with his girlfriend. They left notes for every member of their respective families. Family agreed notes were in their handwriting. Very explicit and detailed as to why they came to this decision. After being confronted with this evidence his bother and father concluded that client was going to expose a child sex trafficking ring, so the cartels broke into his house, forced them to write the notes and then staged a dual hanging. There was no way to divest them of that belief. If you don't want to believe your loved one killed themselves, there is no amount of evidence that will convince you. As someone who's known3 people that have taken their own life, I would never in a million years expected that any of them would have even considered it. Happy Facebook post with kids, spouse or girlfriend on Monday and dead by their own hand on Tuesday.
  3. Expansion doesn't solve the ooc problem. All you've done is exacerbate it just like going from 4 to 12. Now teams will not schedule tough ooc to avoid that 4th loss and get in with 3. The only solution to ooc conundrum is to say you'll consider strength of schedule instead of solely relying on losses, and then actually doing it.
  4. I should also mention that a lot of ETF's that invest in bonds have dividends, but they are taxed as ordinary income, not as qualified dividends. So that is confusing for many people.
  5. If all of Surly keeps lobbying 24/7 and lightning strikes a poor schmucky team (like my guys) gets blown out Saturday, this time next week you’ll all be doing Longhorn reach arounds, crowing, “We’re in!” and deservedly so, my comrades.
  6. Anyone have a go to for hard to find parts? I have a stainless pre-Taurus Rossi M971 357 mag that needs a new crane. I’ve ordered a couple off the internet but they don’t fit. Suggestions appreciated
  7. It's difficult to suggest the best option without knowing more about your financial situation, but in general here are a few thoughts: 1. You mentioned dividends, but there is also the option of interest. The taxing of those two given your financial situation is key. Dividends could be taxed at 0, 15, or 20%. Interest would be at whatever ordinary income tax bracket you reside in, which could be as low as 10%, 12%, or 22%+. The reason I highlighted interest is because there can be less financial risk with investments that provide interest, like CD's or US Treasury notes/bonds. Anything with dividends (like stocks) is going to have more market risk. This should be the first decision you should make. Once you do that, then you can consider the following... 2. If you select bonds/CDs, you have to address interest rate risk. If you buy a ladder of bonds or CD's, then you can reduce some of the risk of interest rates rising. Given your advanced age, maybe a 5 year bond/CD ladder with $100k in each year (year 1 through year 5) would be decent. That would require you to figure out how to buy the 5 bonds/CD's. And the end of each year, the maturing $100k would be reinvested in another 5 year bond, or you could decide to stop continuing the ladder. and just leave each $100k in some sort of short-term investment. You could also build shorter ladders, like 1-3 years. 3. If you are interested in CD's, make sure you DON'T buy callable CD's. Also make sure you don't have too much money at one bank where you exceed federal FDIC insurance. If you have a brokerage account, you could buy CD's from various different highly safe banks. Overall this is pretty safe and you'd earn ~3.4-3.6%. It would be taxed like interest/ordinary income. 4. Rather than CD's, you could also build a 5 year ladder of US Treasury notes/bonds. That would be very safe and you'd earn ~3.5-3.7% on the ladder. The only other complication is that your yearly taxes will have a little bit more complexity from holding the treasury bonds. It's not a big deal, but you have to figure it out the first time. It would be taxed like interest/ordinary income. 5. If building a bond/CD ladder is too complex, you could buy just 1 bond ETF. But if you do that, you want to make sure to not create too much interest rate risk. For example, if you bought an ETF and interest rates skyrocketed, some ETF values would drop significantly. One way to reduce that risk is to buy a bond ETF that has bonds with maturity dates not too far in the future. For example, the Vanguard Government Short-Term ETF (VGSH) holds US treasuries with maturities around 2 years. This would earn about 3.5% and be really easy to buy and just hold. And it's safe because it's invested only in government bonds. This is a decent option. 6. If you want dividends, which come from stocks, then the SCHD ETF recommendation is a good example. Vanguard has a similar ETF, VYM. These distribute about 2.4% right now, and the underlying stocks in them will move up and down with the market. You need to be careful with this option because stock market valuations are at very high levels historically. If your time horizon is 7-10 years+, it might be fine. I get the impression your time horizon is shorter. 7. Finally, there is the whole class of high dividend stocks like described above: mlp's, EPD, etc. There are also ETF's that specialize in these higher dividend securities so that you woudn't have to be a stock picker and hold multiple stocks. However, these are somewhat controversial. Some people love them and others don't. I held them for many years, and for several reasons, they weren't a good fit for me long-term.
  8. It's BYU, they shouldn't lose at all. I just use it as a corollary to show SOS/SOR. It puts the figures into numbers that any people can understand. The truth is the committee values SOR highly, and Tech's would be terrible with two losses.
  9. Lane allowing Charlie Weis Jr to go back and coach ole miss offense during playoffs... 😂😂😂😂😂😂😂😂😂
  10. I bet some intern got an email to start checking every single P4 schedule to see which low level team has a 2026 opening
  11. The fat lady hasn’t started singing yet.
  12. Quiet McGee
  13. I think CDC should cancel the ND games first as a threat and add he will cancel Ohio st and Michigan next
  14. Duke Vs FLA is better than average. Heavyweight bout like contest. Trading body shots.
  15. Everyone is out is BYU wins and Virginia wins. That's honestly the only thing that would make me feel fine at this point because even Texas at 11 doesn't get in under that circumstance.
  16. The same way we should cancel OOC games is the way we should play back ups in our bowl game. It’s not worth it.
  17. no one cares about top 40 or top 15 wins. it doesn't matter. Tech is in, barring a 50-7 type ass raping
  18. No but go on… slowly.
  19. Heupel??? Josh Heupel sent a scathing rejection to Penn State on Monday, suggesting the Big Ten program had “low expectations” in comparison to Tennessee. “I wouldn’t want low expectations,” Heupel said of PSU, via On3. “That’s part of why I want to be here. We’ll win big.”
  20. Tech’s not dropping out.
  21. I agree. I'm mashing the button( calling into question) on the mantra of a CCG loss not mattering.
  22. Why risk an Arch Manning, Collin Simmons acl tear? All for a game that means completely nothing. Get the extra practice. But WGAF about a bowl game.
  23. Yes, I think they are known for that.
  1. Load more activity


×
×
  • Create New...