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CooterBrown

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Posts posted by CooterBrown

  1. I just have a really hard time believing that someone with the ability to spend $5 million would want to spend that to move here. I'm looking at places that offer golden visas so I can move out. This isn't a very affordable place to retire and we have other, much cheaper options if you are young and looking to move here to make money.

    Some Russian Oligarchs are gonna want to get on the action here.
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  2. 7 minutes ago, jimmyjazz said:

    Yeah, I'd like to see what that portfolio did during some of the shocks more than a decade ago.  portfoliometrics goes back farther?

    Looks like it also limits you to 10 years for the free tier.  Of the two, I would join the Portfolio Visualizer and do the 14 day free trial.  That's plenty of time to run through a bunch of scenarios.  

     

     

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  3. 3 minutes ago, jimmyjazz said:

    Thanks, those sound like good tools.  I'll check them out.  I assume they allow for the reinvestment of dividends, too?  We don't really need cash flow outside of the current obligations I've alluded to.

    Yep.  You can set reinvesting, cashing it in, withdrawing a fixed amount or percentage, etc.  

    Portfolio Visualizer is more detailed and the best but they ruined the interface so us long time users don't like it. If you haven't seen the old version if it then you'll probably love it.  PV will now only back test 10 years without a paid subscription so just be aware that it won't cover all major events in the back testing.  

  4. 6 hours ago, jimmyjazz said:

    I finally got a chance to review a small inheritance my wife received from her mother.  It's a mix of a few stocks, a couple of mutual funds, and some cash.  We would like to be pretty conservative at this point, for a variety of reasons, so I'm wondering if there is any consensus about whether we should hang on to any of these holdings:

    MSFT (biggest holding, seems pretty stagnant for over a year)

    ABBV

    PG

    ABT

    XOM (pretty stagnant)

    WMT (nice run but took a dump today)

    BAC

    I can see keeping WMT, it's not a big % of the holdings and despite today's hit would seem more recession proof than most.  The others I can do without, but if there are any compelling reasons to hold on to any of them I'm all ears.  Thoughts?

    Go to either https://portfoliometrics.net/ or https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults and enter what you own.  You can then back test how that portfolio has performed historically.  You can set up withdrawing dividends or withdrawing a percentage or fixed amount monthly/annually and see how it performs.  You may realize that you can cash flow a healthy amount of extra income without needing to sell all of it at once and take a big tax hit.  Of course, back testing doesn't predict the future but it's about the best tool available for the average person. 

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  5. 57 minutes ago, tx 3 putt said:

     

    i'm dealing with a company that produces a very very vital 'part' for the us / economy

    the general back log in the industry, 5 years 

     

    😂😂😂😂

    I thought the Fleshlight was manufactured in Austin.

  6. 6 minutes ago, elguapo said:

    Providing education services to special ed kids/kids with behavioral issues is expensive af, and public schools don't get to turn them away like privates do.

    Well, special education is currently on the chopping block so public school won't be providing that service either.  Look at all the money saved!

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  7. Which country is going to be the first one to roll out the red carpet for our best and brightest to immigrate? That has to be being discussed in most European countries.

     

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  8. 11 minutes ago, immamac said:

    I don't pretend to know what things cost in schools, but why is this so expensive? Outside of teacher salaries, the real estate is free/tax free/funded with bonds that aren't ISD dollars. Maintenance shouldn't be insane, the tech/refresh cycle is long enough to not be a huge cost and books etc are also reusable for years on end. 

    What eats the budget? 

    I don't know shit about fuck either but some quick back of the napkin math:

    There are 10,500 AISD employees.  At an average salary of $50,000, that's $525,000,000 in raw salary.  Add in 40% for payroll taxes, benefits, retirement, that's another $210,000,000.  So, it's $735,000,000 for just staff.

    I would also guess that the electric bill each month is at a minimum of $10,000. For 113 campuses, that's over  $13,000,000/year just in electric bills.

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  9. Just saw CA: BNW. Talk about a movie where nothing happens. First, is Jew Girl a little person? She’s about 4’6” and it’s distracting AF when she’s on screen. She looks like a 9 YO playing dress up. This movie is so chopped to shreds that there’s one scene where she is wearing her superhero outfit but it’s never referenced and she doesn’t do anything. I like Tim Blake Nelson but he is miscast as the lamest Marvel villain so far. It doesn’t help that his character design looks like a plastic supermarket Halloween costume from the early 80s. When he was revealed, the entire theater laughed. It didn’t help that he already looks a bit regarded and his bad makeup and contacts make it worse. Overall, the movie isn’t terrible and it’s not good. I wish something happened to tip the scales one way or the other but it never did.

  10. I have never heard of these Facebook pages but meta is clearly fucking with their algorithms to drive interactions. Seeing a lot of right wing bs too all of the sudden. Have to dig through a load of shit just to see my friends and families post. I cut out Twitter, Instagram and threads because I had no family connections on it. I only keep Facebook because I do have family connections. However, they seem to rarely post now. Or, I have to fight Facebook to let me see my feed that is only family, which defaults to "all caught up" even when I haven't been on Facebook in a week. Have to reload it every time to see what I actually missed.

    If you look at Facebook on a Chrome browser, there’s an add-in called Social Fixer. You can block all Suggestions and Advertisements from your feed. Once I found that setting, I realized 95% of my feed was unwanted bullshit and basically no one I know posts any longer.
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  11. Let me guess:  the property taxes funding AISD will drop from $1.68B to, oh I don't know, $1.4B but our recaptured funds will hold steady at $0.85B?

    Recapture will increase to cover for the 100+ ISD’s whose home values are under the new $100K exemption and don’t owe any property taxes.
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  12. 20 minutes ago, mchookem said:

    IMG_20250214_082546.png

    All probationary staff are being let go and all of the seasonal staff are gone.  The parks are going to be absolutely trashed without supervision.   

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