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2081
The Dallas Stars 2024 Playoffs Thread
Keep them off the power play. None of that 6 men on the ice and shooting it over the boards like the Avs did against us last series. -
325
All Encompassing Investment and Financial Planning Thread for the Surly 99.5%
In our 401k/403b/457/Roths we are 99% in Vanguard Target Retirement 2040 Fund or a similar target fund (fuck Empower). We could probably be more equity tilt, since she has TRS (and can do social security, since AISD pays in, so no WEP) and I have ERS. Both are effectively non-COLA fixed coupon bonds. Both Rule of 80, 2.3%; both eligible ~2032, age ~52. Might switch to a 2050 target fund, but if you look 2040 is like 90/10 and the 2050 is like 91/9 this far out. Both have pretty good international exposure - to our detriment this year. In retirement, travel 2 years, then see about part-time employment. She could be a permanent sub (get Sept/Oct and May off for prime National Park time), and I could probably get a new statey gig. Maybe I would sub with her. Or just dig holes. We can probably retire at 52 (2032) and live solely on my pension, and bank her pension. Gov't FIRE. Do a 457 withdrawal if we really needed it early (no < 59.5 penalty) but mostly use SS as a COI kicker on our state pensions down the line. Draw on 403b when the inflation eats the pension income into a lower tax bracket pr RMDs start. Roths are house money for grandkids or just inheritance. Would like to downsize the house, depends on where kids land and put down roots. If that's out of state, sell the ranch (51ac, optimistically 300k, yeah right) and buy a new tract to putter on. I want to move to the Western Slope, but I know will probably end up near a kiddo helping with childcare. Might last a little longer than 2032, depends on how much the 529s have packed for the college. Realistically it might be more rational to take the golden ring, and then come back and grind as a retire-rehire in a lesser position. More time for our sex cult, thank you Hims. Less stress, the same or more annual pay. I know a thing or two about life insurance. Been around it about 20 years. There are only 2 products I tell my friends to consider: 20 year term life or 30 year term life. Twenty if your spouse works and yall have a start on retirement savings, definitely buy 30 if they SAH or your kids are more than 5 years apart. Buy em just before you have kids, ideally before you get fat and blood pressure spikes. But never variable life, whole life, variable annuity, indexed linked life, universal life, CDA, etc. Straight immediate annuity if inheriting a windfall, maaaaybe. I bet the higher interest rates means there are some better offers now. The last 10 yrs of zeros had been hard on life insurer actuaries. For a while you couldn't even really purchase a COLA adjusted immediate. Fwiw immediate annuity quotes are a good way to ballpark the value of a pension. I think they are a great was to think about safe withdrawal rates too. Those actuaries probably smarter than me on selecting reasonable variables for PV or FV calculations. In theory a deferred annuity should make sense, and yet they never do. Seems everyone gets cold feet and buyers remorse, and the surrender chargers have bite. -
1123
[Surly Official Firing Squad] Get David Pierce The Fuck Outta Here
This has to be bait, right? Right?? And I fell for it? -
47
CFB Catch-All Thread -- 2024
Fox's Friday night schedule highlights absurdity of where college football is today Apparently, a conference game between Rutgers and USC at 11 p.m. ET on a Friday counts as a good idea these days. ZACH BARNETT MAY 22, 2024 With every passing day, the realization becomes just a little bit more real: Yep, they're actually going through with this. The latest came on Wednesday, when Fox released its slate of Friday night games. Like it did with Big Noon Saturday, Fox is trying to turn Friday nights into its own slice of the college football television landscape, putting stakes down in an overlooked and undervalued time slot, then reaping the windfall. I would argue that Big Noon Saturday is not totally an unqualified success (a glut of 11 a.m. kickoffs was a driving factor in Oklahoma leaving the Big 12), but at an average of 6.739 million viewers last year, Big Noon has been the most-watched college football window for three seasons running. "We're looking in Friday night to open up some new real estate that's just an easier competitive environment. Even if the games aren't always at the viewership level on Big Noon, they're going to be in such a friendly competitive window that I think we can actually do pretty well," Michael Mulvihill, Fox Sports's chief executive in charge of college football programming, said on Joel Klatt's podcast last week. By Friday night, perhaps Mulvihill meant early Saturday morning. Or Friday rush hour, depending on where you live. Setting aside the issue of playing games on a night historically reserved for high school football, Fox and the Big Ten (and the Big 12, to a lesser extent) are asking a lot of their players and their fans in pulling this off. The schedule starts off reasonably well, with Arizona at Kansas State (a non-conference game, even though both are now Big 12 schools) and Illinois at Nebraska. Then, on Sept. 27, Washington visits Rutgers, in a game that kicks at 5 p.m. Pacific time on a Friday. The following week, Michigan State goes to Oregon, in a game that kicks at 9 p.m. in East Lansing. Oregon returns the favor on Oct. 18, with a 5 p.m. Pacific kick at Purdue. That leads into the coup de grace on Oct. 25, Rutgers at USC in a Big Ten game that kicks off at 11 p.m. Eastern Time. It kicks off at 11 p.m. in the home market of the visiting team. The only options available to Rutgers fans (yes, they exist) to watch one of their marquee games of the season is to book a cross-country trip to Los Angeles or remain awake until, conservatively, 2:30 on a Friday night/Saturday morning. The following week, Iowa visits UCLA in a 9 p.m. ET kick. Bruins home games aren't the draw they used to be, but how easy does it sound to drive from Westwood to Pasadena in Friday rush-hour traffic. Friday night football is not a new phenomenon in college football, and neither are late night kicks. Only so many teams can play on Saturday late afternoons and in prime time -- or, at least, only so many teams can play at 3:30 and 7 ET on TV networks that people actually watch. And it's not Fox's fault that the Big Ten decided to expand from coast to coast. (Okay, that may not be true; Fox provided the death blow to the Pac-12 by ponying up for Oregon and Washington.) Either way, the games are happening, Rutgers and USC really are going to be in the same conference, and they had to play at some point. But it seems the Big Ten and Fox have chosen to navigate its bicoastal reality is to lean all the way into it. You'd think if any game was slated for a Saturday afternoon kick for humane concerns, it'd be Rutgers-USC. But, apparently not. Of the nine B1G Friday night games, five are cross-country affairs. Not only will Rutgers have to fly cross-country to play a conference game at near midnight body-clock time, they'll have to miss Thursday and Friday classes to do so. -
8693
Time for another ‘my dog is awesome’ thread
These are awesome dogs. I got Bailey and was surprised at how soft her coat is for a pit/cattle dog mix. Then a couple years later, Luna crawled into my lap at the pound and was even softer. Bailey and Luna. Pound puppies from Wilco. They rarely bark, shed twice a year and act as if they are starving for attention.
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