What's new
Fantasy Football - Footballguys Forums

This is a sample guest message. Register a free account today to become a member! Once signed in, you'll be able to participate on this site by adding your own topics and posts, as well as connect with other members through your own private inbox!

GM's Thread About Everything/GM's Thread About Nothing (14 Viewers)

Short answer is "It depends"....not trying to give a cop-out answer but with a whole bunch of other details (current age, money invested into retirement, any expected inheritances, debt, etc), it's hard to pinpoint a perfect answer.

All things being equal, if you have the ability to take the lump sum and roll it into a current 401k (make damn sure you don't get taxed on taking the lump sum now, prior to rolling it), I would lean heavily towards that.  Reason being is that the pension was geared for retirement, so use that money and keep it in retirement.

Furley - I would eliminate the "defer to 65, and gain interest at 5% a year. provided the company doesn't rip pensions like so many other companies/gov't agencies are doing" option right away.  You can take that lump sum and invest it in a S&P 500 index fund and beat that overtime.  (You would need to monitor as you get closer to retirement, to make sure you're not solely dependent on that money).  Alternatively, you can use it to invest in a fund that is geared to your retirement age.  In either way, you should be able to beat the 5% and you wouldn't have the risk of the company deleting the pensions.

If you don't have the option to roll it into a 401k, I would put it into a roth ira.  If you're over the income limit, you can use the backdoor roth strategy.  The challenge here (depending upon how much you're talking about) is that you'll only be able to shift $11k into this account each year ($5500 for you and $5500 for your spouse).  
:goodposting:

i've really got to talk to a professional

i've got 2 IRA's, a 401k (that's going to be punted in to orbit, which i have to roll to an IRA) and this pension that i will cash out and need to invest (probably in one of these IRA's).

only i don't have a single ####### clue how to do any of that :oldunsure:

 
is this the time in the world's history where we're all collectively supposed to act surprised and shocked that kids/women have been being molested/sexually assaulted by coaches, religious leaders, in the entertainment industry (really anywhere that there's an imbalance of power but pretty heavily in those 3 areas, i'd guess) since.... forever?

where do i learn the faux shock and outrage? the sanctimonious "well, if i ever had any inkling of this before i would have done something!" shtick just doesn't come naturally.. you've really got to sell it.

/run

 
is this the time in the world's history where we're all collectively supposed to act surprised and shocked that kids/women have been being molested/sexually assaulted by coaches, religious leaders, in the entertainment industry (really anywhere that there's an imbalance of power but pretty heavily in those 3 areas, i'd guess) since.... forever?

where do i learn the faux shock and outrage? the sanctimonious "well, if i ever had any inkling of this before i would have done something!" shtick just doesn't come naturally.. you've really got to sell it.

/run
given everything I've seen, I am fully expecting the blowback from the usual suspects about how this is overblown and not at all what's happening. or that the women are willing participants, pursuing their careers. 

 
Pension professionals have known for years that defined benefit pensions are grossly underfunded. The federal government has allowed companies to make absurd assumptions when making funding calculations for a very long time and allowing serious underfunding of plans. The problem is even bigger in public sector plans since they don't have to follow the same rules. It's downright criminal what companies/government has been allowed to do. Either a whole lot of people are going to end up a whole lot worse off than they thought, or taxpayers are going to get creamed.

 
given everything I've seen, I am fully expecting the blowback from the usual suspects about how this is overblown and not at all what's happening. or that the women are willing participants, pursuing their careers. 
pretty sure that's step 1 in the playbook

accuse the accuser

shame the accuser

attack & threaten the accusers supporters

pay hush money to make it go away

continue on with business as usual

 
given everything I've seen, I am fully expecting the blowback from the usual suspects about how this is overblown and not at all what's happening. or that the women are willing participants, pursuing their careers. 
I guess I'm just naive because I'm consistently amazed at the responses to things posted here. Stuff that just seems like there's no way anyone could disagree or twist it and then there it is.

I thought that there really was little chance a post detailing modern slavery could go off the rails other than the slim chance some racist tried to use it to minimize slavery's impact in the US. I was proven wrong in about 4 posts.

 
Last edited by a moderator:
How did you find out he shoplifted it?  He admitted it?  'Cause when I was a kid and doing stupid things to drink, admitting to something like that is about the last thing I would have ever done. 

 
fwiw: Agree with rock that some of this is normal behavior, though I'm sure that's no surprise to you.  Strongly disagree that the "shoplifting it" part is normal and really, really in denial that 12 is normal, though it probably wasn't far from when we started sneaking beer from my neighbor's dad. Which is a little depressing now, as I consider how innocent and naïve my 11 year old seems.

 
How did you find out he shoplifted it?  He admitted it?  'Cause when I was a kid and doing stupid things to drink, admitting to something like that is about the last thing I would have ever done. 
He did admit it. He also admitted to drinking a lesser amount himself the night before. They both drank alone because they didn't want to feel the way they do, by their own words. They are both quite unhappy. All three of my kids are, to one degree or another. And it is nothing new.

You know enough about my experiences with my ex-wife to know that she is a nutjob and I think the kids are just figuring it out now. And it sucks for them. But she is their mom and they want her love and they feel protective of her. Which I believe is one of the reasons they mistreat Wife2.0 and are hostile to me. They know that acting that way draws positive feedback from their mom. I think they also know that it isn't right, which makes it feel worse.

 
I understand being upset at this, but I used to do stuff like this. This is normal behavior, RL. You need to supervise and tell them that this is wrong. 

That you know about it is half the battle, right? If -- if -- your ex-wife was willing to share this with you, it's excellent parenting, actually. If not, and you caught it at the end of a bad weekend, then I'm sorry.  
No offense, but you're probably not the guy anyone is looking to to define what's normal behavior.

:

 
He did admit it. He also admitted to drinking a lesser amount himself the night before. They both drank alone because they didn't want to feel the way they do, by their own words. They are both quite unhappy. All three of my kids are, to one degree or another. And it is nothing new.

You know enough about my experiences with my ex-wife to know that she is a nutjob and I think the kids are just figuring it out now. And it sucks for them. But she is their mom and they want her love and they feel protective of her. Which I believe is one of the reasons they mistreat Wife2.0 and are hostile to me. They know that acting that way draws positive feedback from their mom. I think they also know that it isn't right, which makes it feel worse.
Don't envy you, GB. You seem like a very level-headed, rational person.  Just keep doing what you think is right and they'll find themselves appreciating it sooner than later.

 
Red - I feel bad you have to deal with this.  I honestly have no idea how I would handle it if I were in that situation.  I think it's certainly understandable to be frustrated and not sure of the best way to figure out a solution.  I have found that it can be valuable to just have people who can be a sounding board where you can talk about it and it can help you process all of this.  I think this thread is a great place for that.

 
He did admit it. He also admitted to drinking a lesser amount himself the night before. They both drank alone because they didn't want to feel the way they do, by their own words. They are both quite unhappy. All three of my kids are, to one degree or another. And it is nothing new.

You know enough about my experiences with my ex-wife to know that she is a nutjob and I think the kids are just figuring it out now. And it sucks for them. But she is their mom and they want her love and they feel protective of her. Which I believe is one of the reasons they mistreat Wife2.0 and are hostile to me. They know that acting that way draws positive feedback from their mom. I think they also know that it isn't right, which makes it feel worse.
That's tough.  At least it provides an opportunity with the daughter to initiate a conversation about alcohol not only NOT making her feel better about things, but actively making her feel worse.  Have you talked to the ex- about the shoplifting and drinking?  What was her reaction?  Does she care?  Does she have any interest in punishing them or she just wants to not be the bad guy with them?

 
I understand being upset at this, but I used to do stuff like this. This is normal behavior, RL. You need to supervise and tell them that this is wrong. 

That you know about it is half the battle, right? If -- if -- your ex-wife was willing to share this with you, it's excellent parenting, actually. If not, and you caught it at the end of a bad weekend, then I'm sorry.  
Sorry, I did plenty of stuff when I was younger, but shoplifting vodka at 12 is not normal.  He has all the right in the world to be irate.

 
No offense, but you're probably not the guy anyone is looking to to define what's normal behavior.
Probably not. Thanks for the reminder. Shoplifting at twelve is probably plenty bad and he has every right to be irate. I just -- I remember being that age and doing stupid, stupid stuff.  It was meant to be a pick-me-up more than a castigation.  

 
Last edited by a moderator:
Sorry, I did plenty of stuff when I was younger, but shoplifting vodka at 12 is not normal.  He has all the right in the world to be irate.
Of course he does. I was just trying to relate to him on a level of a bad divorce, which my brother has had. I don't question it at all in this respect. I was just hoping that his wife told him and that they could parent together. I've seen bad divorces, and hope for the best, is all. Seriously.

No agenda, no nothing. Just wishing for the best.  

 
Where did you get your vodka at 12 when your parents were out? :confused:
We had a friend with a 21yo older brother that still lived at home. He'd do anything for sweet, sweet booze. We'd tell him there'd be a sixer in it for him if he went and got us a bottle of vodka. So I'd put him on my handlebars and ride us up to the local liquor store.

 
OrtonToOlsen said:
Can't tell you how many times I've been through similar training.  3 times with the Catholic school I do summer school at.  If you have the right/wrong mindset it's more like a "how to". 
I went to a "training" class on what to look for in a coach/umpire/official and inappropriate touching etc.  By the time the class ended I felt like I was a pedo.

It made me feel weird to hug my own kid.

 
That's tough.  At least it provides an opportunity with the daughter to initiate a conversation about alcohol not only NOT making her feel better about things, but actively making her feel worse.  Have you talked to the ex- about the shoplifting and drinking?  What was her reaction?  Does she care?  Does she have any interest in punishing them or she just wants to not be the bad guy with them?
She always provides lip service to me when there are major concerns. Her issue is follow through. She is an enabler, pure and simple. She is a lot of other things too, but much of that is beyond the scope of this discussion. You know a lot of the background.

I only found out about this incident 15 hours after the fact, by the way. Not sure I said that earlier. Wife was out of town in a later time zone and had her ringer off. She only found out the next morning. She called her mom, who drove 20 minutes to come and scoop the kids up and take them to her house. She called the school to make sure their absence was excused. I still didn't find out for another 5 hours. I live less than 3 miles away.

When I challenged her on that decision making, initially she said she was trying to spare me the stress, since she knows I have a lot going on. That rang hollow since she hasn't texted, emailed, or called me about my mom. Or sent anything to my dad. We were married for 10+ years and she was treated well by my parents. I don't actually care about her condolences, but the fact she made no effort of any kind to even be decent to my dad is a huge character tell, IMO. The fact she then used concern about my stress level as an excuse for not telling me sooner is just total BS.

Why she was unreachable while out of town with kids at home is a good question. Why her husband didn't call the hotel switchboard to ring her room or call me is another good question. 

 
Ugh... Sorry red. 

I'm still getting over losing my dad... 10+ years later. Those first weeks and months were brutal- especially around the funeral. Having the kids act like..well..jimtanners- that really wouldn't help. Especially when it's tied into any dynamic with your ex.

Are you more upset with the stealing, the drinking, the lack of supervision, your kids going to rite aid, it the contractor? 

Is there anything I can do related to the contractor? I'm not touching rite aid, and I figure you'll know exactly what to do about the kids (I agree with rockactions sentiments there fwiw)
That's right, pal....BTFU slowly from Rite Aid right now.

 
woke up this morning unable to stand or walk without unreal pain.  i seem to have severe back spasms.  currently awaiting my wife's return with soma and norco.  neat

 
Yea. Unreal.  I was researching spinal fusion surgery earlier today. I was pretty sure I would never walk again.   1 stout down, just took 1 soma and 1 norco. Should be dancing a jig in 20 minutes. 
I had one standing in my kitchen. I stood there like a goon for 10 minutes before I could Frankenstein over to the couch.

 
Another reason to consider taking the pension now instead of deferring, is if you are planning to take some type of spouse survival benefit and you die before taking the pension, probably no one gets anything.

 
Forgive me for getting all serious but somehow Woz skipped right over "responsible" to GD hero. 
:goodposting:

Gutted and awed reading his thread. And then incredibly hard not to think of the whole circle of life thing seeing Cappy's right below it. 

This place and people can be an inspiring marvel sometimes. 

 
DA RAIDERS said:
woke up this morning unable to stand or walk without unreal pain.  i seem to have severe back spasms.  currently awaiting my wife's return with soma and norco.  neat
there is always soma, delicious soma, half a gramme for a half-holiday, a gramme for a week-end, two grammes for a trip to the gorgeous East, three for a dark eternity on the moon..

 
Thanks.

Hard to believe it's been over a week already.  I keep thinking I hear her whining to go out in the morning when I wake up.  Can't bring myself to bury her ashes.
it's been 18 mumfs since I lost my 'real dog'.  we got a new one and he is great and a rescue and he needs it and we did a good thing, but damn, losing 'my dog' crushed me.  I still see him out of the corner of my eye sometimes and it spooks me.  Hard to replace it when something you spend everyday with for almost 15 years (for me) just disappears.  Our last 2 weeks weren't great, makes it tougher for me.  I have his ashes on the mantle, they don't get buried.  They go with me.  I still call the new dog Jasper............I got a digital picture frame and run some of his highlights on loop.  Paw a 40 oz. out for me.

 
So, we are heading to Italy in March again and wife invited a work friend who is tagging along.  We usually book private tours, they cost around $200. 

Would you charge the tag-a-long $100 for the tour in a 50/50 split or would you split the price up 3 ways?  $200 is a set fee for between 1-10 people, so amount of people doesn't alter price.

Thx - Will answer yours.

 
So, we are heading to Italy in March again and wife invited a work friend who is tagging along.  We usually book private tours, they cost around $200. 

Would you charge the tag-a-long $100 for the tour in a 50/50 split or would you split the price up 3 ways?  $200 is a set fee for between 1-10 people, so amount of people doesn't alter price.

Thx - Will answer yours.
$300. profit.

 

Users who are viewing this thread

Back
Top