Everything posted by Not a cat
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Baker Mayfield is a piece of shit catchall thread
Do you recall gardere as having a rifle in football?
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Cobra Kai
I guess we have Asian Gilbert Gottfried in season 5.
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Cobra Kai
Johnny gently telling Miguel of the new arrangement- your Mom and I are hooking up.
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don't look up
[Mansplaining] Pacing [Mansplaining].
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Do you FIRE? Financial Independence, Retire Early
This. I'm already mentally preparing to sell my house in 18 months when the youngest graduates and I'm just stunned at all the stupid shit I own. And this is after renting a 10 cubic yard dumpster 2 years ago and cleaning out the most useless of it. Seems that about 10% of my stuff serves a useful function (clothes, utensils, etc.) or brings me joy (fishing and camping gear). The rest is just a bunch of shit cluttering up my life.
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New Mexico Tram of Terror- people stuck overnight in below freezing temps on cable car
This. I remember I was at Disney animal kingdom and the yeti ride was stuck. You could see passengers at the top of the ride just buckled in and unable to get out. I turned to my kids and said bad news, we aren't riding that thing.
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Do you FIRE? Financial Independence, Retire Early
Have you considered investing in timber properties? Virtually a foolproof retirement investment.
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Do you FIRE? Financial Independence, Retire Early
4% is certainly conservative but that's the whole point, it's supposed to cover the worst case scenarios and still be "safe". 5 or even 6 percent works in a lot of cases but if you're retiring in 1929, 1968 or 2000 you don't want to be withdrawing above 4%. If you can be flexible and cut expenses or get part time work when the shit hits the fan then it gets easy. In my situation, I hit my own version of a bear market in 2018 when half my portfolio went Thanos on me. No problem, go back to work for a bit and ride it out. Flexibility is key.
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Do you FIRE? Financial Independence, Retire Early
It all depends on the income you think you'll need. Good rule of thumb is withdrawing 4% annually adjusted for inflation will suffice for a 30 year retirement and a 3 to 3.5% withdrawal rate will last into perpetuity for a decently balanced 60/40 or so portfolio. So if you need 80k a year, 2MM should do for a 30 year retirement, and 2.5MM for a longer one. If you can get by on 50k a year shit gets fairly easy to reach on a professional income. There's always a chance we hit 1980s Japan in the market or have 70s style inflation, and of course those numbers go out the window. But in those cases I think we're all fucked anyway. The scariest thing is the sequence of return risk. A really shitty bear market in the first year of retirement is just brutal for your prospects. Someone that retired in 2000 might be eating cat food while someone who did in 1999 or 2001 is fine.
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Do you FIRE? Financial Independence, Retire Early
In house lawyer for financial services firm.
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Markets still falling like whoa
The best thing that ever happened to me was in 2005 going to work for a regulated financial firm that made it a pain in the ass to own individual stocks. Nothing but stale boring low cost index funds for me since then and it's done wonders for both my psyche and balance sheet.
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Do you FIRE? Financial Independence, Retire Early
I retired at 45. Got divorced at 48, which throws a huge wrench in FIRE plans. Fortunately, didn't burn any bridges so was able to get my old job back. Now I'm almost 52, and have a more money just for me than the joint assets I had when I retired the first time. It's really stunning how much a single upper middle class dude can save without even really trying, plus a raging bull market didn't hurt. I could easily retire this second if I really wanted but my youngest is a junior in HS so I figure might as well work another year as it's not like I'm going to be traveling the world until he goes away to college. (Side note, your work conditions really improve when both you and your employer know you don't really need the paycheck). Once he goes to college, I figure I'll rv around the country with my dogs for a while. When that gets boring, I'll hike the Appalachian trail, paddle the Mississippi or something else stupid like that. Or maybe 2 chicks at the same time.
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Sam Ehlinger
It's almost as if the last 4 years were preparing Sam for this exact moment.
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Wives and the Stupid Shit They Say/Do
Are you a military family where parameter vs perimeter comes up 40ish times a year? Are your conversations basically did you check the perimeter before coming in, or does that equipment fit the parameters of our mission?
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Twentysomethings: Austin- on Netflix
It's so painful watching Michael. It's like watching an 8th grader whose sole frame of reference is watching romantic comedies.
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2022 Hall of Fame
I'm in Bloomington, MN, home of both Oliva and Joey Freshwater. Oliva told some stories where he and some other latin player fresh off the boat were assigned as part of a PR tour to go speak to a group of season ticket holders in BFE Minnesota. A couple of Cubans at the height of the cold war with barely passable English getting lost in rural Minnesota. They'd pull over to ask for directions, someone would recognize them and direct them to their eventual destination.
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The Great (Hulu)
Just finished this- huzzah.
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2022 Hall of Fame
Good to see Oliva in. I'm no sabremetric guru that can tell you whether or not he's actually deserving from a baseball standpoint, but he's a genuinely good dude. His grandson and my son play on the same baseball team and he'll just sit around and bullshit with anyone about anything, even if you can't understand half of what he says. Yes, I know, cool starry bra.
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Brian Kelly to L$U
To be fair, nobody likes their dates stolen.
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Lincoln Riley to USC
Easily argue? Based on results, Lincoln is clearly below Wilkinson, stoops, and (spits on ground) Switzer. He's competing with Fairbanks for 4th place.
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Lincoln Riley to USC
I don't recall it going down that way or that dickeater was pushed out.
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Lincoln Riley to USC
Yeah, I'm a dumbass. Typed USC twice instead of including tOSU. To clarify, UT, OU, ND, Mich, tOSU, USC, bama. The 7 blue bloods, imo.
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Lincoln Riley to USC
Forgot tOSU. Listed USC twice. tOSU is definitely Hemet/ blue blood
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Lincoln Riley to USC
Yeah, that's close, but I don't consider FL a helmet school, but in the next tier down. In my world there are 7 true helmet schools-TX, OU, USC, mich, ND, USC, bama. Those should all be destination jobs, though we are doing our best to challenge that notion.
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Lincoln Riley to USC
Crap. How did I forget that? To be fair bama was under some pretty stiff sanctions at the time, but technically that qualifies.