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Everything posted by Andrew74

  1. I waited until 5th grade at least My son decided to play football for the first time this fall as a 5th grader. I volunteered to be the asst coach. It was been a good experience as the parents are well behaved on our team. Although one guy at times has ragged in his kid at practice. Sorry guy, your 130lb kid isn’t beating the 80lb speedsters in ladders. Why are you riding his ### about it?. The coaches are pretty good except one. The league is pretty forward that it’s about teaching fundamentals and having fun. We are building the playbook off the formations/wording of the high school team. This one coach is all about winning. She ignores the rules when she can. Her offense is basically trick plays (double reverses, reverse passes, etc) even though the league said not to do that as they want the kids to learn the basics of the HS playbook. It’s kinda sad and I feel bad for the kids who aren’t learning much. A kid on her team last year didn’t even know how to get in a 3 point stance. My son scored his first TD yesterday. Thankfully I got it on video. He is on cloud 9; watched it 30 times I bet. It was a great weekend.
  2. I just had an inguinal hernia repaired laparoscopically in June. Kinda sucked the first week but by week 3 I felt normal. I haven’t had any issues but very early in the game.
  3. I was on vacation this week and unplugged 99.9% of the time. The only thing I did was check email at night if there was nothing going on. I didn’t respond to anything, just cleaning it out. I was probably a decade into my career before I realized I had to unplug or I was going to completely burn myself out. Now everyone knows I won’t be checking email. If there is a true emergency they can call my cell phone. I bury my email app on a back page on my phone. No notifications, etc. It has worked great for me.
  4. Man we are not doing too hot this year. FBG index is down 1%. Maybe the last 5 months will give us a big turn around.
  5. http://www.styleforum.net is a pretty popular place with lots of forums on various styles, etc. if you want more classic menswear, especially Trad, go to http://www.askandyaboutclothes.com. Those of you wanting better fitting shirts, even shirts to wear untucked, you can try some made-to-measure sites. http://www.propercloth.com http://www.ratioclothing.com
  6. Totally agree! When my first daughter started working I set up a Roth and told her she had to save at least 10%. Went through the why’s and showed her projections. Gave her a small match for incentive. Her Federal tax rate is 0% now. She’s about to turn 17 and has $2,500 so far. This summer she asked if she could buy individual stocks, so she’s learning about that. I hope my other two kids go this well.
  7. I thought we were FBGs? I only wanted to bring up another point. I’m not necessarily a Roth cheerleader. I personally have a hard time arguing Roth if one is in a 30-handle tax bracket. Under 30 I think it makes sense to “diversify”. I will probably be 75/25 traditional/Roth by retirement. A $2mm IRA might only get you out of the 12% bracket now, but I do think tax rates will be higher in 10-20 years. There’s enough uncertainty that I’d like to have some Roth money. Plus a $2mm IRA isn’t a hard bogey. If you start saving at 22 and retire at 62, you can have $2mm saving only $8,000/year @ 8%. If you max out at $19,500/year @ 8% you will end up with $5mm. 6% nets you $3mm.
  8. Only thing I’ll add to the discussion is when thinking about future taxable Income in retirement, there is no RMD with a Roth. Depending on how much you sock away in a traditional, you may not be able to control your tax bracket in retirement with a large RMD.
  9. And Maul. What he did in TCW with him was fantastic. You really were vested in what happened to these characters.
  10. This I didn’t get. I thought they were basic elemental/cosmic powers. Space gods can’t handle them but somehow now they are just paperweights?
  11. I’ll be honest and say, as a non-comics guy I was t aware that Kang was human. I thought he was an alien. All the cartoon depictions I’d seen he’s the blue guy. So when this black dude showed up, I was confused. And the kooky performance was off putting. After some hours I will say it makes better sense. This version survived and probably went a little crazy being by himself for thousands of years. I am guessing the Kang going forward will be the “normal” evil version. And blue.
  12. I get how this unleashes the multiverse but the one at the end of time was such an annoying, off putting character, that is made the whole thing feel like a giant let down. I will say I don’t know who the character was. I assume it is supposed to be a Kang variant. Hopefully his next iteration will be more tolerable.
  13. Just for the record, here is bond performance during SPX bear markets in 07-09 and 2020. Using Bloomberg Barclays index data, cumulative. Taxable Bonds Government: 14.36%, 5.29% Credit: (3.79%), (11.12) Securitized (mostly MBS): 8.18%, 0.81% Aggregate: 7.18%, (0.94%) Munis: 2.41%, (9.39%) The pandemic was a really unusual bond market, just like everything else It was a complete outlier vs historical bear market performance Off the top of my head, taxable bonds have had two negative calendar years in the last roughly 30 years. Munis have never lost money two in consecutive years. Caveat is who knows what the future brings. Simplistically you own everything but governments when the market/economy is doing well and only governments when they is a bear/market recession. Munis are the same - own low quality in good times, but high quality (AA and AAA) when it goes south. The only time I’d own cash over bonds for a meaningful period of time is if you think we’d be in a stagflationary environment.
  14. I totally agree with being big in stocks for retirement, but I have to say many of you need to read up about bonds.
  15. But that’s what we loved about Rogue One.
  16. I believe I fixed the issue. THBR did a reverse acquisition. From what I read, THBR holders received one share of stock of the new company (INDI). So I updated the sheet to track the new ticker.
  17. I finally got around to watching the post credit scene. I know better than to bail before the credits end.
  18. I’ll check the spreadsheet out and see what’s going on. Hopefully I can hold on for 6 months.
  19. This #### just got serious. The hat is back. I wonder if we’ll see Boba?
  20. Indy suburb. We were virtual March - June 2020. We were F2F starting 20-21 school year with option for virtual. Then back to all virtual when winter spike hit. Then after Spring Break, back to a hybrid of virtual on Monday and F2F the other 4 days. This was middle and high school. Elementary school was F2F the whole year. Virtual sucked IMO in 20-21. I get the 2020 spring was just put a band-aid on it. But this school year seemed “light” when it was all virtual. My high schooler was fine but my middle schooler struggled massively. I shudder to think how bad it would have been if my elementary school kid was virtual. The school has announced 21-22 will be normal F2F. No virtual option.
  21. Good sized accounting firm. I’m still fuzzy on the timeline but I think they want us in 3x a week starting July 1. But then they mentioned the “new policy” starts Sept 1st. I know I’ll wait as long as possible before routinely being there 3x/week. It came across more of a flexible schedule vs hybrid. “You can work at home 2x a week. Need to clear it with your coach.” Sounds like a big mess to me. I have no idea how this will play out.
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