
Reagan1k
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Everything posted by Reagan1k
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Fight breaks out at 2A Texas basketball game- player and fans
Reagan1k replied to a topic in Daily Texan
1st season of kid pitch- when the mommas cry and the fathers show their ass! -
Feelings aren’t facts. That’s a good place to start. We don’t have control over the thoughts that come into our heads- but we can control what we do with them. If we dance with them, then they take the lead and we are but a passenger along for the ride. ”There I go again…” is my attempted go-to when I get irrational or into fear. I acknowledge the thought and then remind myself that reality is different. CBT may be of assistance in helping to arrest and manage those feelings. Normally it is some exaggerated fear of losing something we have or not getting something we want. CBT will help to deal with those self-centered feelings…. Self-centered not in the stingy/selfish way, but based in the feeling that life is happening to me, rather than life is just going on around me. The depression is probably intertwined in there and the two feed off each other. You aren’t alone in those feelings!!!!!
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I was always telling myself that I would get help if I ever crossed “X” line, but the disease keeps moving that line farther and farther away (and closer to destruction of some sort). I didn’t know what “help” even looked like but I now know that was the fantasy that there would be some mental or physical trick to allow me to simultaneously control AND enjoy my drinking. Stopping all-together was not an option I ever considered as I couldn’t imagine life without my crutch. It is possible to live in peace without the drink after all. Who knew???? There is a solution and I’m so grateful that it was demonstrated to me. Glad you folks are here.
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My experience only- tell them you love them, but don’t JUST tell them you love them….instead tell them WHY you love them. If he’s terminal, he knows he’s dying. What he’ll like to hear is all the unsaid things that should have been said. I had a friend die last year, far too young, and I told them all of the things they did for me that meant so much and talked about all the great memories. The exact things that will make you mourn their loss will bring them joy to hear; expressed by you while they are still physically here. That advice was given to me from a hospice worker and the experience changed from one I feared and transformed into one of the greatest interactions of my life.
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Makes perfect sense to me and I’d expect they’d get that big- they’d certainly have the opportunity. Without crops, I’d guess the caloric burn vs. caloric intake is just too high when foraging on only natural groceries..
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I don’t know if someone’s cheating or not but my experience is that it’s difficult to get a wild hog above 300#. I’ve killed many 100’s and have seen 1000’s dead and alive and 250#-275# is a freaking tank in the wild and bordering on an outlier. Short of intentionally fattening them for a contest, my belief is that a hog can’t get that large unless they have a permanent agricultural resource from which to eat. Given 1000’s of acres of farm land, I could see a big boar topping 3 bills but foraging for revolving natural food sources doesn’t seem to get it done based on my observations. YMMV.
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Highly recommend the podcast Beyond the Kill. Recent episode on terminal performance was very good. Goes into lethality of various calibers and short action vs. long action at distance in big game. And that big cat photo is cool. Not sure I’d take the shot but no judgement either way. It is a retread however. That cat was killed in ‘20 and the Facebook Catherine wheel is spinning it back up now.
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Yep...... In all seriousness, an old illustration is as worthless as tits on a boar considering the changes in investment experience and interest rates. Surprising to some, major insurance companies' portfolios have experienced some nice returns relative to other non-equity investments because of their class A real estate holdings, etc.
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1) If your father is 85 and his whole life policy is decades old (seems so based on the OP), it may already be self sustaining. If paying the premiums out pocket becomes an issue, you probably have a couple of options and should get those answered now, before it ever becomes an issue (if it ever does) ......a) ask the agent to run an INFORCE ILLUSTRATION using the dividends to offset the premium and / or a policy loan if the dividends don't cover it and b) ask them to show you the increase in death benefit (paid up additions) for each new premium paid. Old policies like this presumably would be self-funding at a point, if the underlying insurer is strong. Also, most of these policies are set to have each dividend buy a "paid up addition" which is basically trading cash today for an increase in the policy's death benefit down the road. As an example, the premium may be $1000, the annual dividend may be $1800, and if used to buy paid up additions to the face amount, the increase in death benefit might be $2500. Those are made up numbers but from an estate planning standpoint, you may be able to take $x out of pocket A and put $xxx in pocket B. If he/you doesn't need the premium payment funds for immediate needs, it is likely worth continuing to pay it. If money is tight, using the dividend or even a policy loan to offset the premium could make sense. Before you and your father jump to any conclusions, make sure you look at all the angles using INFORCE ILLUSTRATIONS so you can see how taking dollars from pocket A impacts pocket B. 2) On the group life question, your cousin needs to get a copy of the group life policy from his employer. He needs to be looking for things like portability clauses, waiver of premium, or convertibility clauses. Some policies have none of those options, but others allow for you to take the term policy with you on termination, convert it to a permanent policy, or may have a clause that waives the premium in the event of a permanent disability (meaning he can keep the policy). It would be vitally important for him to get the policy, dig into the provisions, and ask his HR or the company's agent a lot of questions to determine what he can and can't do....don't wait until after separation of employment. Do it now. And, very sorry to hear about your cousin.
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Level term is inexpensive insurance to replace income or pay for increased expenses if death occurs during the prime earning years or “expensive” years when you have dependents. 30 year level term is cheap until you hit 35+, and 20 year is cheap into mid-late 40’s barring some health issue. Permanent insurance is a tool (often mis-sold) that is useful in the right situation. It doesn’t “suck” any more than a hammer “sucks” when what you really need is a screwdriver. Used in the right scenario and it has its place. In the wrong application it’s misguided at best. Use the right tool for the job, and when kids are young and death benefit needs are high, the right tool is normally level term. Buy term life from a good company with convertible options regardless of future insurability and don’t sweat the pennies when the future of your family is at stake.
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Life expectancy tables have been updated for the first time in something like 20 years so that’ll be a slightly smaller RMD bites, but won’t help a ton. If they were smart and wanted to increase current tax revenue they’d allow limited withdrawals above the RMD to be made at a special lower tax rate provided they were reinvested for a period of years (create a hybrid, restricted, taxable account in the same vein as the IRA) People would be incentivized to get money out and the Treasury would get current revenue right away instead of only getting the bare minimum out of big IRAs. Call it a TROTH- Taxable Roth
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The original “Ranch” moniker was Ruger’s attempt to make the Mini-14 less A-Teamish and more utilitarian…. Which it really was. Great knock around semi-auto that was very useful as a truck gun. I saw that they now call the carbine bolt actions Americans by the same name and all I can figure is they think all of us old fuckers are dead or can’t remember.
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Calculated - Yes.....possibly calculating that she'll have uninterrupted sleep while someone else deal with colic and shiity diapers.
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Yeah - I spent untold hours combing through Shotgun News and mentally amassing a collection. Even $25 seemed like a lot for a surplus rifle in 'the early 70, but those Enfields would have turned into a solid store of value at today's prices. I wish I had every No. 5 Mk I I ever handled at a gun show but eventually passed. Have two but they're by no means the best I've had opportunity to purchase.
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My retired cousin has a side hustle helping relocate big fishing boats and yachts. Me: This spring he's going to help run a boat from Mobile up to some place close to Philadelphia. Her: Wow. So he'll get to go through the Panama Canal? Me: Maybe...... Depends on how they go I guess.
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It’s not always greed that stumbles over the traditions or causes people to market sobriety. I’d be the first to admit, my business and marketing brain went into overload after a month or two into the program. I wasn’t thinking I could make a fast buck; rather thinking- Holy shit this is the worst marketed / greatest thing ever. ERRRBODY needs this stuff. We have to get this message cranked up and cranked out to the masses. I was well intentioned but could easily see how that could spin into something else. Hopkins blows me away. I’m sure I’m not the only one who started listening to a tape and thought the speakers voice was a dead ringer for A.H. only to quickly piece together Tony and CA. when he started talking about acting. His is a great gift; relating the otherwise unrelatable to our common struggle.
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It’s not always greed that stumbles over the traditions or causes people to market sobriety. I’d be the first to admit, my business and marketing brain went into overload after a month or two into the program. I wasn’t thinking I could make a fast buck; rather thinking- Holy shit this is the worst marketed / greatest thing ever. ERRRBODY needs this stuff. We have to get this message cranked up and cranked out to the masses. I was well intentioned but could easily see how that could spin into something else. Hopkins blows me away. I’m sure I’m not the only one who started listening to a tape and thought the speakers voice was a dead ringer for A.H. only to quickly piece together Tony and CA. when he started talking about acting. His is a great gift; relating the otherwise unrelatable to our common struggle.
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Yeah- Ruger is already doing great things with the Marlin brand. That’s a perfect fit. Roundhill bought the Ilion plant and the TN barrel facility and are saying all the right things about bringing back the Remington brand to what it once was. I hope they pull it off. Time will tell.
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Holly Whittaker’s opinions on sobriety and AA aren’t really any of my business I guess, other than as a reminder to be welcoming to all. What I will say is that she appears to be pretty good at marketing and business development.
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Holly Whittaker’s opinions on sobriety and AA aren’t really any of my business I guess, other than as a reminder to be welcoming to all. What I will say is that she appears to be pretty good at marketing and business development.
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If 100% of the contributions were non-deductible (after tax) then the tax liability would be on the gains only. If you roll it over during a series of years to keep the tax hit down, each year the rollover is considered part contribution (not taxed) and pre-tax earnings (taxed). But.......Your tax preparer would have to look at all of your IRA's, how they were funded, and apply the proper formula to figure it out. The IRS has formulas for all scenarios of contributions....100% pre-tax, 100% post tax, or a combination of both. You can't pick and choose which dollars to convert......the IRS looks at the aggregate holdings and treats a rollover as an equally proportional transaction.
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Do you FIRE? Financial Independence, Retire Early
Reagan1k replied to UTGrad98's topic in Business and Markets
As mentioned above, sequence of return is the single most important part of the equation for most people except the ultra wealthy. Retiring into a market that experiences a couple of bad or even a few down years means a) withdrawals and therefore expenses must be cut significantly or b) the money won’t last as projected even if the markets recover to their projected long term averages. If you don’t have a flexible budget (i.e.have fixed expenses) or aren’t disciplined in other spending then a 2-3 year bear or flat market at the start of retirement can make what you wanted to be a 4% withdrawal much higher. Stacking a few withdrawals of what must become 5-10% or more due to fixed expenses on top of a falling market early in retirement destroys principal and that can’t be easily recouped. Having “buckets” of money not exposed to the market from which to pull current income and then refilling those buckets in subsequent years is a way to mitigate that risk but it requires disciplined asset allocation and rebalancing. -
Slowly raises hand. I was that guy in both places. I always felt like I must be doing something wrong. AA told me it was OK to have a higher power of my very own. Took a lot of pressure off.
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A break from the Christmas cheer is right. What a stark reminder of the power of addiction. Thanks for the recommendation.
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