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Spur08

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Everything posted by Spur08

  1. What. An. Idiot. Dump out good booze? What is wrong with you heathen!?
  2. Did you even go to the website you posted? It shows a paragraph then you have to creating a paying account to read the rest? Quite useful
  3. How about you post the whole article so we don't have to deal w/ paywall shit? Or at least the pertinent parts.
  4. Definitely got an award for most creative suicide.
  5. I did just find out today that the admin fee is 1.5% per the disclosure docs. ER is 0.15%
  6. Wife dropped her phone in the flamingo exhibit at the Dallas aquarium today.
  7. L-O-L. Educate yourself. Check out my man Kevin Sorbo. http://tools.aan.com/elibrary/neurologynow/?event=home.showArticle&id=ovid.com:/bib/ovftdb/01222928-201107050-00015 So much this. I work in the spine surgery realm. You'd be surprised on the number of patients we've seen who had chiros RXing them months of "treatment" for an instability problem.
  8. The Amazon batteries are shit. Trust me. I put those fuckers in my Alro and it was dead w/in a few months. I'm planning on buying the Streamlight from Home Depot as they're like 12 for $20 or something like that. You can find them on Amazon, but I'm thinking they're all (Energizer, Streamlight, etc) either used or fraudulent batteries.
  9. The cheelrin...the keeds!!
  10. Says the guy that sought out my post on another message board and took the time to copy/paste it over here.
  11. Gregg Williams is hilarious. The guy just spits gold. Hue is, indeed, an awful HC - he ain't lasting long. Baker is still a cockmunch. That is all
  12. What? You're mad that I only take Surly opinions? Trying to educate myself over here. Step off son!
  13. Looks like Isiah Wright is now out of jail. http://www.tmz.com/2018/08/08/last-chance-u-isaiah-wright-murder-charge-dropped-plea-deal/
  14. So what if I did the allocation based on my total portfolio and mimic the date fund? I.e.. Vanguard Total US Stock - 54.3% -- Held in 401K via VOO (S&P 500 Index) Vanguard Total Intl Stock - 35.5% Held in rollover? Vanguard Total US Bond - 7.20% Held in rollover? Vanguard Total Intl Bond - 3.00% Held in rollover? Just 2 things -- How do I balance the exposure of the SP 500 to the total stock market? I.e. how do I get that remaining exposure that's not in the S&P and at what ratio:VOO? Also, is there any particular holding that would be more beneficial in a Roth? FWIW -- In my SDIRA, I hold $50K in real estate and $25K in ownership of a plumbing company.
  15. Looks like it's the PE ratio chart. I don't really see the significance, current day is 24. http://www.multpl.com/
  16. I actually really like this idea. The only problem is that everything I've read about it suggests it's for people with more advanced skills. Clearly, if I'm messing up selecting and gluing wood together, then I'm not sure if I can do this properly.
  17. Another one, this one has been my favorite. One of the things I've learned is if you are doing a noodle dish, plan on adding a minute or 2 to the total pressure time. So far, the two noodle dishes I've done have come out a little more that al dente. Instant Pot Goulash https://www.idonthavetimeforthat.com/instant-pot-goulash/
  18. I'm in a pickle. I'm rounding third on my farmhouse desk and have realized how much I've fucked up on the top. There's significant cupping in the middle of one end on the board. I went to a mill to have them plane it down as much as possible and, while they got a few good laughs at me, they still couldn't get the cupping out. So, what are my options other than starting completely over? I thought about cutting the top to fit while sacrificing as much of the cupped side as possible. To get some of the thickness back, I was planning on gluing the current board on top of osb and trim out underneath the edge with the same wood as the top. I don't have large enough clamps to get the all around so, would parking my car on it be the worst idea ever? Any other good ideas?
  19. It's not my intention to play and frequently rebalance. I just see it as a problem where 77% of my gain is eating up by fees. My personal monthly on the life is $131. It's probably a little high b/c I have combined a 20 year and a 30 year. The idea is that if I were to die, the money would get the kids through college with some money for a wedding, etc. I wouldn't need as much insurance once they're on their own so the final 10 years is just a $500K policy.
  20. Good insight so far. I'm 33 this year. MFJ with a 14 month old. I hold a $1MM 30 year term on myself and my wife and kid have a lower and cheaper term as well (kid paid by inlaws). I contribute 12% (6% match) to my 401K with a little extra to a Roth and individual investment fund. Household income is just under $200K depending on bonuses. I have approximately 1 year of salary already saved in a rollover 401K, SDIRA, and rollover roth. There is also a 529 that has a negligible amount in it. To be honest, I don't know any of what my wife currently has and it's my goal to correct that this year. In regards to the funds available, I don't disagree. It looks like the composition of the 2050 fund is: Holding Name Percent of TNA Vanguard Total Stock Mkt Idx Inv 54.35% Vanguard Total Intl Stock Index Inv 35.69% Vanguard Total Bond Market II Idx Inv 6.97% Vanguard Total Intl Bd Idx Investor 2.99% Percent of Assets in Top Holdings 100.00% So, I could get close to that by using VOO (S&P 500), a mixture of the small caps for international + bonds, and maybe one of the international funds; however, the 0.66% ER for the cheapest one is just too damn high.
  21. So, I’m looking over my 401K quarterly statement and think something needs to change. I’ve been with this company for about 2 years (1 year in 401K participation), below are the stats: · Current Allocation – Vanguard TD 2050 (VFIFX) 50% and Vanguard TD 2055 (VFFVX) 50%, both ER are 0.15% · Rate of return for the last quarter – 0.95% · Last quarter gains -- $76.37 · Last quarter fees -- $59.23 (77% of gains) o Admin Expense -- $39.47 (66% of total fee) o Investment Expense -- $19.76 (33% of total fee) My guess is that admin expenses are the custodial provider’s expenses, so there’s nothing I can do about that, correct? If that’s the case, I assume my only option is to lower the investment (ER) expense. Below are my fund options, I’m okay with a fairly aggressive portfolio. Obviously, the most appealing to avoid expenses are the Vanguard funds. Any recommendations or advice out there?
  22. Sounds like you can get a hell of a deal on a rental property.
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