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CleverNickname

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Everything posted by CleverNickname

  1. Base maverick, 12 ft metal panels
  2. 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.
  3. the Colorado river basin doesn't go but a few miles east of 183. So it's already now halfway Lampasas / Brazos. But it will take some time for the creeks to run on down past the gauge in Bend. I was up in Mullin last night and it was all very green and moist. Should be good for a lot of runoff.
  4. western Mills County and the Pecan Bayou keeps getting hammered. Hopefully more streamflow to Lake Buchanon.
  5. a 6000btu widow unit for a bedroom and a 2000w generator would be under $1400 and would enough to keep comfortable for a couple of days. But I'm a cheap mofo.
  6. if they have divorced parents, one might declare a Texas primary residence for the prior 12 months. I'm not sure if that has to be the primary parent (probably?), but I imagine reasonable coparenting ex's can figure out how to play the right cards for their shared child. Just decide who is going to declare the dependent on the 2023 1040. No university is going to asm for divorce records, just tax stuff. Declaring the TX residence as primary might be a little sketchy, but probably not too much of a paperwork burden. I think you can also show TX residency as a parent if you own a TX business; or maybe if parent is married to someone who is a TX resident.
  7. Hampton Inn, Bartlesville OK, "Holy fuckin' shit." True words. True words.
  8. I was trying to find some way to get excess Brazos water from PK or Lake Whitney down to a NE tributary of Pecan Bayou near Blanket or to near Lometa. Then let the water run down natural course into Lake Buchanon. But I think the elevation won't work - the Colorado simply runs a good 400 ft higher in elevation across that fairly short 80 miles of latitude. I guess we do have a lot of wind and solar power in the area that could push water. People have crazy plans to pump the Upper Missouri over the continental divide, so some hills near Commanche ain't shit. Anyhow, my little creek near Mullin was running about 5 ft deep yesterday judging by the debris today. Had to mess with a water gate. Down to ankle deep by 10am today.
  9. that gauge showing 4600 cfs seems to have died at 920pm. I presume conditions an FM 45 and the river north of Richland Springs are now one giant floating anthill. The downstream gauge showing climbing above 2000 cfs steeple.
  10. that Pecan Bayou bomb (now 6") is now clocking 4600 cfs (and climbing) headed into the river.
  11. its good - great even. Buchanan has an enormous capacity and could pass water down to Lake Travis, while keeping Travis free to absorb Llano or Pedernales flooding. 4" bomb on Pecan Bayou - that's the sweet stuff.
  12. don't worry, floods were never covered anyway
  13. Llano a at Junction was briefly over 24k cfs. That will take a while to move downstream. Things might get interesting if another good slug on top of now saturated soils falls as that flow passes on down.
  14. as far as I can tell, boys are fine with a phone alternative. It's the girls that are social media monsters. I am not sure what it is like to be a teen woman, but I don't think I have it takes. If they gotta kill a tourist on Rainey Street once in a while just to feel something after survivng middle school, who am I to judge?
  15. go to 3:27:45 or so... then at 3:30:30 shit gets real
  16. charge phone in kitchen/living room is a great tip. +1
  17. I just did a lot of searching for "cum milking Peterson" and shit got weird.
  18. Right, and then this: https://knowyourmeme.com/memes/events/jordan-petersons-chinese-sperm-factory-milking-tweet That's a hell of a coincidence!
  19. does anyone else thinks it's weird there was the pic of Peterson in the Russian benzo coma dicksucking machine selfie, and *also* he mistakenly tweeted about a hoax Chinese CCP cum milking conspiracy? I mean, like... that's a he'll of a coincidence.
  20. +1 on that kayak trip. not many days the flow is between 200 and 800, but this might be the perfect week for it.
  21. well, maybe not a cow... https://twitter.com/MandyBaileyWX/status/1784785602610626800
  22. gotta do a better job laying the rugs flat. Somebody could get hurt!
  23. all these dudes think they deserve those extra 275 basis points, but they don't understand that the seller has other offers, and if they aren't realistic about their worth, someone else is going to get the house.
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