The post whore thread.

[Great-Kazoo]

Have to be in Pueblo tomorrow morning. Leaving the house by 5 am.

Find a decent place for breakfast. Something that will cause repeated outburst of flatulence. That would get you out of ride alongs quicker.

[Irving]

I haven't spent money on food for myself for maybe 5 or 6 weeks now. It's a really nice feeling. Today a guy bought me a coffee and I spent $1 on coffee tonight to help pass the time at the hospital.
Boring stories aside, tomorrow will hopefully be my last day of required ride alongs. Nice seeing what people are actually doing, and making, money-wise, first hand though. Hope to be out on my own by Monday.

[hghclsswhitetrsh]

Hey hoes.

[brutal]

hi ho, hi ho

[hghclsswhitetrsh]

Busy week it's been nice. Can't wait for my new website to debut and SEO start going.

[Great-Kazoo]

Hey hoes.

Let's Go.

[Great-Kazoo]

OK, Ramones

[Irving]

The heaters in the back seat!

[Irving]

Okay hoes.
1) This isn't making me all that excited to buy a truck. Thornton to Colorado Springs this morning.
https://lh3.googleusercontent.com/PMdra5iA1n1eL1SOxF94FYXYtvOq8mBzbQcgLYSeoJtgwfSOuA AbYtj9A-0xxJra6aewHv_CwlZtNj9QGhOoRH8zbAezraoUUI-om4lrypygZt6ud5_FiseDQpxzapy1rIFjGzRcUWFTKka-4XS6wWECmu2ptG17TurVd1mV7IX_a-1G5qrUoBlv-LgIWgBMQ33Wmz8r3E1hr07uj3p18K_uKpjZNTo7G2s2b64rjKn dOmZGKZCypblx4R1dzMs6yjwDjj0nSxT4vSnXAC2N5VJIcepCc SPEG2pzgeabuEv8xsSeJ5AMz_5H0RJIDOJbP2DUP_Cb5a151MG PjsA0hwq7bmhIbDkWEtjYTAgRa9gTxfsX2_7xSe4EJQQyOcF1_ BGoWt5fv6lptCrQf8tVf4BW_A5meZliXBzYlc0TYeadNVxmkza a38lIsn_x7uOijeX98ikEKn6k79vHIv4DFQNbnbVwCEdCh3PS2 wC_0yFfUk-oUWnPRhES25Y8H_4-oviapGbz54OxaKWh0xqw_WjVWj4L5EiX7c8aeBu4QlLjTCljB9 uXC_ZRTvzLC0Sxd6pt-g=w1698-h955-no

2) Finally got a picture of an intimidating roof. The thing hanging down below me is called The Goat, and I'll be buying one asap. They are a lovely alternative to a rope and harness. Here is a long video where he uses the same phrasing I just used! https://www.youtube.com/watch?v=7pVJs7GmqtM
https://lh3.googleusercontent.com/g2_y1n2aDYqDujV-TKgSTeKY3GNZaOzLmGDDJbf1gthWCpVeVtG_XSSd4fKGeQdXu1 8v4fC0cctCjWbTrI0_tW4ZlPu6C-TFbyqOVguebMG-ofUvA27VqXqfdPhh82vPMZ1rUt6_SgDgINnyO2zCR4oLsmrwVb CjRGxBaCVa9xFAWHdIfdUYP7nhGKBr8ZWM1ML0htoXRzNe6oRl QsZVtiiJroIJ-KL38tsFMCOF88Y1FgF4_nHSHoDoBirR1Bi6ANmzBmb1fv5aKCN 06vdMK2bV7zvUAf77WXwgXSrmqlWDJepZ_KFlLp5LwS59GNznH 05wsl9JzqzeerNyZ7wXGgKjAqOUwA5dhOUL8zHFBsSIghbFaOr vpFsOINgvP_6C8gB0eGntSfy_zieiWxF0FmKJ--lxSd2vuyoWx21kKpE1dX7eSVoHjEnIXUORm1nZ7iakn0NBSOma WJeSOjGEq5vsbWoEFtmnToETNbjJs0LSGSS5BZpLqauYX7n-48u_Bc6xaygmOZ0DGZHH3uBTEQ4BQuzLxqLW0y4pe8TdX80Sdm SuoIBZxA-thTIyATsZJPM6LQ=w538-h955-no
https://lh3.googleusercontent.com/pwT78msqjWuU30JBHQbzKLFep9745hX-T_sZ8sjBFY6EYBnCHwoBFyYS1yOIBfx5t_jDU5lR7GrNpRkDe3 Jk_nMwih131KoqlcLx9caKuvVY9I78qz4ahbxCpYlgOnCQPYvL 4Nue5YOkOGDzRUsPbSsg6ruHh16QyqYllwzJbyRTeR6mq5XKpc H7J4yzeO2PnIMnbzVHxpfIT5OkXz6YwonAOl7MCAO-beIo-iU6sE3p0t2nlWvbthv7nZ8n3uLpg-i7Y15_GDQ4cVjxA4l0PSvgs-s5R377PcDvHtYNeU_vOgMn7ecM3oBxwVNQpZ-V_Kk2EVsQIzxsa81D97SQoLEGkSEFaIRcWPHKida5T4_xpTuZZ JPK3NUzRw3UFaj9j2V0iEl25mndweIe9VltNQ4oxn9A4_xF4R_ JRBhW97Xj1uXEv-goZaw5ei_gEnlfO4C19MsECxsnikkre-tvYPAGotNixLz1UakWBeuXZcUU4o1FJ3ItpTM-6qZZJsLAIf7N3NCYElBm-k1Q9Kt3ppvPXmSYwnSCSWxiCbCQD_EMAVYoofhaSTr-qyk4_Jylgae5WA=w1698-h955-no

3) This is the wear on the bottom of my Cougar Paws after just 4 days.
https://lh3.googleusercontent.com/eGztjobxTIqHiFqL69f9l28x1xacs2yCEIqyCw6v-pWgrNF4GkQ5YYsJ_7L1LJYdTUhENE_vCniZF6w0VEpJ7mOuAm7 X8KPdpiHB4pKIhCV42W3PQvVmwMwaIVGWkhREmBKYcti1IHAKM Viks8qDmYztU1TkdRWILHFobW1AmzHBgvLBZmZ8bGSsFab5Ajy kgYdcGBaZXDI0LkcYQtipWfxGOzSEQ8BMd1hxj1qJlAAmytocj JXtUeyKnEdIsnVmnYIf5cJaQYXFYWBj7oxImZim8rZM8Rw3Xqo sMSx97jkI_45vtVCGOu4-40WBiPDf-Yb5_B24o5hcpPzYPqi5qLNjvCSZk5TObM0E7PSojHR5SHHAJrd lufFI5k-TJcvqDCe1GoUTv9sDr9OX58Y0anDlDDC2rfcVK2yr7glusy3ni k2IHduM1uwKOXLiJKBrMQ3iss0glDFJACSWZ03Qd3tdSH9YZp7 jtQ-o8TWxorywWrvKcunVWUWF6UpYjGFx8fBIwZ1jubg8NL2SJAsKT M0b1uuIuShPosfHP0Wq5BpQkc_3ZPG1fqpWHmgfi46zb2VV5A= w1698-h955-no

[Irving]

Here is a picture just for RonDog.
https://lh3.googleusercontent.com/6ZOyGoZuATDMihduK8lfbixKbgLAqPIi8X5e7ZM5dHKBS-DggKG-fC70p9OMP5-zu6MAZqMybHqXDrljBjE9geN6NTNGrPdOtP0LVmIHQgstbvraC pSJeybjFIQl05CipdYGt_82isTYRmZpO677Dl0lJhcEWXWaqZ9 SxLJ4YB4J9BBRbbOBRsDxmEDAl05TkfeyXuJ3vBJIsmM7KtZoZ g3zcnaAWpxYysH1Si7Xa4WJ984JuQmko3k_HOO17bee0DGKlzV SxjBe62svfxDt-1gB7fo4SVXIrckevZ6ubMS_tbVG-dnQV5TyzDd53nT2rfLd4UHySntdAv_21duAgl0iZAaF5jct5XA GC90agpsH3OgQilQdZKXNa07510HbCeBjj4gKSjNJySRIZJ5Hj rja6hQDEC3kn668Or4IMSDmBzRTbwvVYu4vC4oNlpVHjonowC0 kQ6k9AVgjMHfb20YvD7Pnb7MLFyvddMD7vVD5ouBRtKOZu_5Z5 o-UFNwgcvJS_CuBoVPtZwV_Y-HNoYIUZuB27GizoveEXL0euDbox--pUQ4jMRm2XWpMJ7273WyrtQ=w1698-h955-no

[Irving]

This smoke ring is for James.
https://lh3.googleusercontent.com/VyGDMORUS7y-aXsKRx5d6mSHDFXv6Os-MCuqQj99B6FTuX7x3FdoAqg7-p6Kqlns00JI__Gw4AF3tKGI4paZFev7vaQKG95dFpWCcuvt0eX LqfMGTOgn9rn9AqcOFhKZRcKLvjQTWK6I6TNb274E3ShfVPVOr UczUF66ouvIw1gBTcP2wjN-pbNKiWu97GZouOqHCHW0i9FbzZdlRU82xQ6sg03Vevd1_08g7O ZTJSpRMh8kFwo_careA0SoWm26eLRq-GWkPfpkCJZyXtWw4R6D3I1CK0n9suIEGpu1QdRNrWJWqIoncs1 yWXJcojLZBzut9Tw4RMJ6ZK56wqq8C4QftbpcF1_IZGiGbN2S5 ALqOajAYnC-YPw9afBHH65nBXkkwpG43BAd9U39aeYPVHY4zwApecN2mT9OUh 0mQgAu2HTEp_VzSRnkmqsMOTe1ZY-lWIeEvD669cjRyumGQ4bWtAyc2T2RhR8rBJepR6Th8JsLxwBdn uMBDx8_8h-e4elDqAMRs47EvKwXGh_k-kgCfJT_Spb1j_s-L0UQP4YRU3UoLwjQEE_tKjPM4v1uriieNA=w1698-h955-no

[Irving]

Steep roofs aren't as scary when the neighbor's wall is less than an inch from the gutter.
https://lh3.googleusercontent.com/D5aQMqxLX7sSazEZH1X2DLh1NxaJG6f3L3K7EGAkFFDEH2Ic2z F2z9WGwZ4MTA0lXGC-s53NnbpWfopd0po99vSjJPkmGqmyypPqnxTISDJWJ7PpEtYuR2 pKSPP9aVv0ExPkd8OmHsPFWzySfQMGJ6zVe3lQ_ufSyXeMfUR9 Tvr9B6P81cCOCubc1BSS9nCs8ZKFHY2vpD1jXR-_88YBxmhJqYBUtg9FdZKTeeqfb0nje2xK6ZQ0dMS3fR0h9m-L4xl3_NyHEs8S3_4-E3e6aXb3WUBt-uCgAnnnQabnnEkRd-_C2pOGj924Q2RwRuc3uuxqOpGxI4lL-NJ0Iyesyx8WXawC9ENmQf2PVuAk3DehydT0h11PsBMiugFAyu3 Z2niczNtx_rhyxyCNA0A96XheyH3exm3HM5sNukHWxrW9ks-r9IiiKZFXy29orLyfZzYzBFiUhHta8f5mJmbzhzvOqsLC-WAXkob633ELTEIs493QVKxyqxDdgSEaQQh8FU0clJ7QP11uJh2-5qAqvBR1W_SEIEGNxdxXwQEElocqXskccV0BxqNlv7KiTt4KZ9 JUHg=w1698-h955-no

[Irving]

Here is my $31.00 version of the $500 Goat.
https://lh3.googleusercontent.com/26jIIkMtufq8dYwhWYr8NqCUrwGAwNPVvbj-j5rvSDP447FhYdICoa3GJCSaOnty6wawCfCUqkzUZdmPEy1ab-qDf6IEv0GKQGvJdELQKmoJBLvZc9tT5T9Nhil8hyetpfrQ5KIj ROz7-w_6VuemiPbfy4BCoDSM4_jQXQPtfDvz8psnPigRC5DoXpm-19FwEXXkyUzg3WdVJDmZRCjrQ8FPcN56DPCGxjrsvgtQLfEvYG bN5j50PAE-b3Ww99Doh2wWeHh7UmgKhCs9uyCEwQezukZ4kdHCj8QIucEyvv rQNvWiaXOvTn0Ml_jv5fUlMBhMaP1WuKX2-kRgn6homP-E_VfboP3WdltiX_vQyulWQ9z9lM9_plWbbosN_EsJ8Wvj4UHwK nxnCoufkusOzSfWjs5FjoqGKAkG9LibAlaTflDAsrF69fAnBUP eVCY5oIWM2epwIOBiNebPKWBwW779KtNhbhAtspX7OBLJkeTQX lX52xQLcXlhb3uSPEKx3Pb1eq93fwLGfPsYCU4HIW5I9sVW0Uc bIA3drm-2B7iHweOjRiNmknDFh14IxomaIyM4dg=w1698-h955-no

[Irving]

Finally, sunset from the other day, shot from the hospital.
https://lh3.googleusercontent.com/wZa3knE4QVqeHrH-yweEE7-9PVcERkwb4N-97iJO5-2Ffrq6CBdMdHVWl-NVjQYoOnLa3H2C-FCOQBhnD_ve4284v53bah8uMr4KGBFolQ8-d9wa8IQ25iK445wI35R9ZOglp3AktyWXUCwiFAf_BlLBHgdYdO _4lka5wockxJ98Aa20omsicM-ppP3QqiADdW0PxTlvR_r9hqs8eF5uBECx8B8fIEK_6C2ipl6wQ CokYW3yR9D9gqesWRR7C75OR30tXO3j6Mk4zxX03G3aHxjuEPO-LTu9DGU4FqmQ_7FaqRDZzsAimj4khfAUZy4MoKESQ_4YBFMStb CoMOEdcz2NaHKDYR-iFfRoFY_8nsypLQEHaVDuCIxRALf0xigkOGYOqOdWmOSS6hl3v 8kpSe1tjq4xPFWY1NHw6MQkknf0Eq7y3o3_SdqrseDz8p_EwAb MYB9qSM6XD8R7JleQyjkyEMhIAqJRzzoGJ_L45ZPPLe7uHmPyh JGiVYXtRI0c075bnlKeKz9EnmcUBYHfYag60XgnzeQuzMbyw_D NhFkbIiOjQ_1Gj3rFXGFDJ7uz46ZLDA=w1698-h955-no

[HoneyBadger]

Here is my $31.00 version of the $500 Goat.
https://lh3.googleusercontent.com/26jIIkMtufq8dYwhWYr8NqCUrwGAwNPVvbj-j5rvSDP447FhYdICoa3GJCSaOnty6wawCfCUqkzUZdmPEy1ab-qDf6IEv0GKQGvJdELQKmoJBLvZc9tT5T9Nhil8hyetpfrQ5KIj ROz7-w_6VuemiPbfy4BCoDSM4_jQXQPtfDvz8psnPigRC5DoXpm-19FwEXXkyUzg3WdVJDmZRCjrQ8FPcN56DPCGxjrsvgtQLfEvYG bN5j50PAE-b3Ww99Doh2wWeHh7UmgKhCs9uyCEwQezukZ4kdHCj8QIucEyvv rQNvWiaXOvTn0Ml_jv5fUlMBhMaP1WuKX2-kRgn6homP-E_VfboP3WdltiX_vQyulWQ9z9lM9_plWbbosN_EsJ8Wvj4UHwK nxnCoufkusOzSfWjs5FjoqGKAkG9LibAlaTflDAsrF69fAnBUP eVCY5oIWM2epwIOBiNebPKWBwW779KtNhbhAtspX7OBLJkeTQX lX52xQLcXlhb3uSPEKx3Pb1eq93fwLGfPsYCU4HIW5I9sVW0Uc bIA3drm-2B7iHweOjRiNmknDFh14IxomaIyM4dg=w1698-h955-no
This really doesn't look very secure in the photo.... As it is now, it looks like it is just holding on to the shingle on the peak, which is probably pretty unreliable. I would think that it needs something that looks like track spikes to dig into the shingles on the other side of the peak.

[Irving]

Well, you can't damage the roof. The Goat is nearly the same hook, but larger diameter, and aluminum. I see what you are seeing, but remember that the force you are applying will be downward, nearly parallel to the slope you are standing on, so it doesn't slide up over the Ridge. You are correct in that it tends to hook on the edge of the Ridge shingle. Alone that would not be safe, but the edge of the single only serves to stabilize the hook, while the weight is applied through the foot onto the decking. I'll let you try it some time.

[OtterbatHellcat]

Says the next JM.20


LOL


Howdy bitches.

[OtterbatHellcat]

Sucked catching up.

[OtterbatHellcat]

Funny though.

[OtterbatHellcat]

Why is it when you're "engrossed" in something.....it sounds "gross". Not really fair, if its actually disgusting in reality. Engusting would be more of a precise word, if that happened to fit your particular scenario.

[OtterbatHellcat]

Conversely, if you're really digging something gross, then there should be Grosstastic, ....for instance.

Just sayin.

[OtterbatHellcat]

The world if Effed up, man....seriously.

[brutal]

hey OBC!

[Great-Kazoo]

Conversely, if you're really digging something gross, then there should be Grosstastic, ....for instance.

Just sayin.

She shart while you were chowing down on some brown edge wafer ?

[Great-Kazoo]

I won't take all that they hand me down
Make out a smile, though I wear a frown
And I'm not gonna take it all lying down
'Cause once I get started, I go to town

[Great-Kazoo]

And I don't wanna ball about like everybody else
And I don't wanna live my life like everybody else
And I won't say that I feel fine like everybody else
'Cause I'm not like everybody else
I'm not like everybody else

[HoneyBadger]

Well, you can't damage the roof. The Goat is nearly the same hook, but larger diameter, and aluminum. I see what you are seeing, but remember that the force you are applying will be downward, nearly parallel to the slope you are standing on, so it doesn't slide up over the Ridge. You are correct in that it tends to hook on the edge of the Ridge shingle. Alone that would not be safe, but the edge of the single only serves to stabilize the hook, while the weight is applied through the foot onto the decking. I'll let you try it some time.
I understand the angular forces, I would just be concerned about it slipping or shifting. Then again, I'm not the one that has to trust it. ;)

[HoneyBadger]

Hey OBC, welcome back! [Beer]

[Great-Kazoo]

Looks safe to me, on that pitch anyway. A vastly different pitch (especially steeper) it may not. By the picture, it would have no angular force on the ridge. (To come over the ridge, it would have to "hop up". The force is compression - I could see it maybe indenting a shingle at the worst.

The only risk might be if it were to somehow fall over... like if you were using it to swing on the side of the house or something. If that tips, bye bye....

(this is nearly my first post in this thread, ever [mop] ) or at least my first logical one.

And.........it's not even a dupe, good for you.

[HoneyBadger]

Yay Foxtrot to the rescue!

[HoneyBadger]

Surprise for everyone coming up on the next page....

[HoneyBadger]

http://img.ifcdn.com/images/bcd6457b9aa4986e64ab76801ac0d282423316a462f586bba3 f891ffefd52aa9_1.gif

[HoneyBadger]

There is a hell of an explosion about 2 minutes in.

[Irving]

LOL

[wyome]

Actually went to cabelas and didn't buy a thing.....think I'm sick

[Great-Kazoo]

Actually went to cabelas and didn't buy a thing.....think I'm sick

Or sensible with your money

[buffalobo]

The world if Effed up, man....seriously.
Damn man, thought SJW's must have put you in re-education camp.

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[Mazin]

Whats up Hos!

[Mazin]

I love the Motivational poster app

[Mazin]

64005

[Mazin]

http://img.ifcdn.com/images/bcd6457b9aa4986e64ab76801ac0d282423316a462f586bba3 f891ffefd52aa9_1.gif



That was a hell of a shot!

[Irving]

My brain is on fire from reading about investing in index funds and the differences between retirement accounts.
This will all become very relevant once I start making money again.
Here is a great place to educate one's self about investing for retirement in the stock market.
http://jlcollinsnh.com/stock-series/

[buffalobo]

Whats up Hos!
Driving across central Alabama in a brand new Charger jammin to Eric Clapton. Really loud and fast.

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[buffalobo]

My brain is on fire from reading about investing in index funds and the differences between retirement accounts.
This will all become very relevant once I start making money again.
Here is a great place to educate one's self about investing for retirement in the stock market.
http://jlcollinsnh.com/stock-series/
In the PW/reloading thread?

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[buffalobo]

You must be bored.

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[buffalobo]

I may or may not have made a post at over 100mph.

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[buffalobo]

While listening to Def Leppard.

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[buffalobo]

Rock of Ages.

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[Mazin]

Too late for love is still one of my favorites, stand up is a good song too.

[buffalobo]

Too late for love is still one of my favorites, stand up is a good song too.
Hell yea!

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[buffalobo]

Fuggit, wasn't gonna post it unless called out.

http://images.tapatalk-cdn.com/16/02/13/5894ccbf80d4fb054d7625eea94b3974.jpg

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[buffalobo]

That was second time, first time forgot to turn off flash. Washed out pic and almost blinded myself.

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[buffalobo]

Dropped off car and got checked in, next stop Houston.

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[buffalobo]

I hate flying. Major irrational fear.

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[buffalobo]

You guests should sign up and join in the fray.

[buffalobo]

The boys in Alabama like AR's. Most of them(non military) do not own any but would like to. The guys who have served(military) were the only ones who own them.

I directed them to our friendly website for the place to gain AR knowledge. Hope some of them join up.

Have tentative plans to host 2 of the guys( who are brothers) for elk hunt this fall/winter.

In return they are going to host my son and I for hog hunt with their dogs. They do not shoot the hogs, they use the dogs to corral them and spear/knife them.

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[buffalobo]

Cloudy and overcast in Houston. Next stop Denver. Hope this flight as good as flight earlier this morning. Only one gasp the whole trip.

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[buffalobo]

No ho's this morning?

Lost Mazin and Irving before daylight.

Mazin you pull graveyard last nite or just late nite ho?

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[Alpha2]

Well, it's foggy in Fort Collins, so you might see some more visible moisture yet today.

[OldFogey]

At work, it's 0830 and still foggy. Wasn't it always supposed to be sunny in Foco?

[HoneyBadger]

My brain is on fire from reading about investing in index funds and the differences between retirement accounts.
This will all become very relevant once I start making money again.
Here is a great place to educate one's self about investing for retirement in the stock market.
http://jlcollinsnh.com/stock-series/
Awesome. My understanding is that Roth IRAs are first and foremost the best for retirement.

I was up until about 2am last night reading about web design - something I was really interested in 10 years ago, but never pursued much. I think I want to get to the point where I can start doing some freelance work and build it into it's own source of income to give me a little more flexibility and a few more options with my career in a few years. Computers, networking, and coding is stuff that comes pretty easily to me, and although it can be frustrating as heck sometimes, I think I enjoy it - especially the design portion. I've had a lot of people tell me I have a good eye for design and I've worked on a few projects within my current job where I was able to design a few different web sites and web tools (no I'm not talking about sharepoint... hahaha) and it interesting and fulfilling work. If nothing else, I learn a whole bunch and just have another set of tools in my toolbox.

[HoneyBadger]

I may or may not have made a post at over 100mph.

Sent from my SCH-I545 using Tapatalk
Don't die. We need you.

Also, I don't want this forum to show up in the national news tied to some Darwin-esque accident on the highway in Alabama.

[HoneyBadger]

In return they are going to host my son and I for hog hunt with their dogs. They do not shoot the hogs, they use the dogs to corral them and spear/knife them.

Sent from my SCH-I545 using Tapatalk
That's gutsy. I feel like having a Spartan shield (al la the movie 300) would be useful in this situation. Those suckers like to charge and some of them are easily 300+lbs with sharp tusks on the front end!

[HoneyBadger]

Cloudy and overcast in Houston. Next stop Denver. Hope this flight as good as flight earlier this morning. Only one gasp the whole trip.

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Safe travels! :)

[Irving]

HoneyBadger!!!!!!!!!!!!!!!!!!! You really need to take the time to read this: https://momanddadmoney.com/documents/Traditional%20vs%20Roth%20IRA.pdf
Talks about the differences between Traditional and Roth IRAs. Roth isn't always the steadfast answer that many people believe it to be.

Then Part VIII of the stock series has a break down of most of the different retirement plans, including TSPs which apparently are the best thing ever and should be maxed out if available (which I believe they are to you). http://jlcollinsnh.com/2015/06/02/stocks-part-viii-the-401k-403b-tsp-ira-roth-buckets/

Finally, this interview may be of direct interest to you. Interview with the creator of TreeHouse, which is an aggressive online learning place that is designed to have people job ready (from high school!) in as little as six months.
http://www.mrmoneymustache.com/2013/02/07/interview-with-a-ceo-ridiculous-student-loans-vs-the-future-of-education/

[Irving]

Loby, drive safe.

[buffalobo]

On the ground in Dentown. Now to find my chauffeur and get the hell back to the prairie where I belong.

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[buffalobo]

I was very brave during landing, no gasping, crying or whimpering.

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[HoneyBadger]

HoneyBadger!!!!!!!!!!!!!!!!!!! You really need to take the time to read this: https://momanddadmoney.com/documents/Traditional%20vs%20Roth%20IRA.pdf
Talks about the differences between Traditional and Roth IRAs. Roth isn't always the steadfast answer that many people believe it to be.

Then Part VIII of the stock series has a break down of most of the different retirement plans, including TSPs which apparently are the best thing ever and should be maxed out if available (which I believe they are to you). http://jlcollinsnh.com/2015/06/02/stocks-part-viii-the-401k-403b-tsp-ira-roth-buckets/



1. That was a good read and it completely solidified why a Roth is right for me. I absolutely plan to have an income higher than my current income later in my life. Also, what if you're 65 and you want to buy your dream house for $500k? If you take money from a traditional IRA to pay for that, you actually need to withdraw $755k because you're going to pay $255k in taxes that year. From a Roth, you withdraw $500k and admire your beautiful new home. The taxes you originally paid on that $500k are significantly less than $255k - somewhere between $30-50k, depending on how much and how long you were contributing to the account.

1.1 This article seems to have completely left out the most significant reason why a Roth IRA is advantageous: Tax Free Growth. If you contribute 330k (max for married couple x 30 years) and it grows to $1.15M over 30 years (only earning 7%, the market average), in a traditional IRA, you pay taxes on all $1.15M as you withdraw it. In a Roth, you only pay taxes on the contributions, and NONE of the growth. Remember, the growth is the real reason we have IRAs to begin with! Unless my income is more than $200k/yr (which would change the fundamental argument here), I would much rather contribute $330k of taxed income over 30 years than get taxed on $1.15M - or significantly more than $1.15M because it will continue to grow as long as the account is funded - for the rest of my life.

1.2 I plan to pass a good chunk of my wealth on to future generations of HoneyBadgers and Roth IRAs offer several advantages when it comes to estate planning.

2. As someone who formerly contributed to a TSP account.... It was terrible. Terrible returns. Turrible. My mutual funds over the past 5 years have averaged 10.2% (I'd like to be somewhere between 12-14%) and my TSP accounts (which I set up to mirror my mutual funds as closely as possible) ran a 5-year average of 6.7%. Yes TSP has a few tax advantages, but it doesn't make up for the lost earnings.

[HoneyBadger]

I was very brave during landing, no gasping, crying or whimpering.


That sounds like something my 3 year old niece would say... ;)

[buffalobo]

That sounds like something my 3 year old niece would say... ;)
See post above, irrational fear of flying, your nice would probably be braver.

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[HoneyBadger]

See post above, irrational fear of flying, your nice would probably be braver.

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I'm glad your over it. Or at the very least, done with it. [Flower]

[HoneyBadger]

And I'm glad you didn't die while surfing the internet on your phone and driving over 100mph in the middle of the night in the middle of Alabama.

[buffalobo]

And I'm glad you didn't die while surfing the internet on your phone and driving over 100mph in the middle of the night in the middle of Alabama.
Don't forget listening to loud rock music from the 80's.

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[buffalobo]

After a week of intense, stressful(condensed 3 week course into 1 week) training, I had to twist off and alcohol was not an option.

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[Irving]

HB, did you read where he does the math showing the difference in earnings compared to the taxes paid? I particularly liked the part about funding a traditional IRA, then transferring it to a Roth later, but I don't know if those specific circumstances would ever come up in my life. I like the idea of funding both, and as he initially points out, the most important part is funding at all, and much less w which path you chose.

Interesting that you didn't have a great experience with the TSP's. Nice to bounce ideas off of someone who is active in real markets. There is a link to some management tool on there as well, but I didn't post it.

[brutal]

Lobo, you do realize you had a million % greater chance of dying in that car while texting at triple digits than of crashing in the airplane and getting more than a scratch or bruise?

[HoneyBadger]

HB, did you read where he does the math showing the difference in earnings compared to the taxes paid? I particularly liked the part about funding a traditional IRA, then transferring it to a Roth later, but I don't know if those specific circumstances would ever come up in my life. I like the idea of funding both, and as he initially points out, the most important part is funding at all, and much less w which path you chose.

Interesting that you didn't have a great experience with the TSP's. Nice to bounce ideas off of someone who is active in real markets. There is a link to some management tool on there as well, but I didn't post it.


Yeah I read that and his math is sound, but if the money is going to be there for 30 years or more (which is the case for both of us at this point, because we're both at least 30 years away from 59.5) it almost always makes more sense to do a Roth, primarily because of the tax free growth. If you max your contributions to your and Mrs Irving's IRAs every year for 30 years, using the unimpressive 7% figure above, you will have basically made more than $700k in absolutely 100% tax-free income.

If you max your Roth and have money left over, then by all means, put it in good mutual funds outside of your IRA and let it grow alongside your retirement, but without the tax advantages. Alternatively, this is a perfect time to really diversify your portfolio in real estate or other types of investments.


If I'm wrong about any of this, please stop me, but I am 98% confident in my conclusions. If I am screwing up the math, or reading the tax law wrong, stop me now! -I am relying on these things for my future! hahaha

*As always, don't ever trust investing advice from a friend without doing your own thorough research.*

[Great-Kazoo]

At work, it's 0830 and still foggy. Wasn't it always supposed to be sunny in Foco?

48-60 temps were "predicted"

[Great-Kazoo]

Lobo, you do realize you had a million % greater chance of dying in that car while texting at triple digits than of crashing in the airplane and getting more than a scratch or bruise?

SISSYS.

sounds like a man card revocation

[HoneyBadger]

This thread has a lot of useless bullshit in it, but there is a metric shitload of really useful and productive information interspersed all throughout! [Beer]

[brutal]

This thread has a lot of useless bullshit in it, but there is a metric shitload of really useful and productive information interspersed all throughout! [Beer]

It's metric shit-ton. Get it right.

[HoneyBadger]

It's metric shit-ton. Get it right.
No, you're thinking of the imperial tonne.

[Irving]

I don't think you're wrong to go ROTH at all. Obesity thing I was confused about was the max contributions. It is $5,500 for any type of IRA, but he makes it seem like the $5,500 includes the taxes when funding a ROTH, and that's not the impression I was under. I didn't like the way he did the math on that part.

[buffalobo]

Lobo, you do realize you had a million % greater chance of dying in that car while texting at triple digits than of crashing in the airplane and getting more than a scratch or bruise?
Yep, that's how irrational fears work.

Full disclosure - camera was clipped to steering wheel and set to timer and all posts/texts were made from shoulder parked to attach/detach camera or while parked in restaurant and gas station lot.

I did break the speed limit.

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[buffalobo]

SISSYS.

sounds like a man card revocation
Hey, the job got done, I didn't like it but it got done.

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[Irving]

Speaking of scary stuff. Standing at the top of a 32' ladder, in a tree, with the wind blowing; so everything is moving left to right about 3 inches in either direction. THEN, asking your wife to pull on the rope you just hung and you find out you hung it too far out because when she pulls on the rope, the tree branch moves down a full six inches against the ladder. I thought I was going to vomit.
The next part was trimming a branch from the same spot with the worry that when the weight of the cut branch is relieved, the trunk holding the ladder will rise enough to drop the ladder. After that we just flew a kite in the wind. Heh.

[Irving]

Oh snap! Bread cook off!

https://lh3.googleusercontent.com/WXw0qeLz1euW1QsVbhTSJTkPya0J0ehTAjvdhvxr5PJAOdD3uV NYqkDo8cD6XkvGSlpbtAXU34XPf_zroZ5zXKrCjUZYxri9QXYr JgLDRUqLq-5kCjX26vgEEKMrCfltIGQwBRXC-MT5Wtfei0V4nbu4sURd6swrBTS9YO4blO_4lzeoNexBMTQoAhu mK_49ubE_m7uQWUyeZB7x0n87NhfG4pgqNECladET577vL27f7 Yt9NKViqU4jfZCap-nHB__bYHMTZ16R0cjYS0U1X_IYwt5AXeMHa_g6p5IwJA1mbJkO rPags7MJ-l8n8jQT0cSLgHWRq8Z1nV1eF-cOZn_7uagBgKDynt1-ZfCwhsNH-p6tiyXTGBRBovxAtBdyfYQloahQPajokowX0n1DgshJr5j2CQQ vVZ4Wm_GEqkeA0xoE9P5B_Pib0NP6kqmdIO921PA7PIhFrB2z8 zTCpytSimIQvrsOl3oq_cVVEgJVcfWpOsrZadJms-ouyj64AqBaw8zvW9nPamMpzzwmMfONz0_Yz-HgNd8fa5a4Mg6PCuNRDbNc46h2xJDd5yF9DDSi1w=w1698-h955-no

https://lh3.googleusercontent.com/LqF8VM1XIyZnfnNqtCwpU01GqkYznpi9LCV11rIVkmlQKJu3pc dRuwVOqHxRvDUA69XsVzj9U_THoyznR6adGkPfXraMifYPS6fj bZh6k0W6wKu7eXw93g0imCaTvBgClEh_yW1KzjJJ8wWHPWPqD4 Phhsg3PoVioBGg7uqDYtTWCLrcb4jN661jiQiEwxFCXwyW-BWLtmn3EL9AS3LEl69jDGUhgRNOd3dz802Y4zvBOKA7ZL4kSbd EGgADWlHhSQK4B2taaWN8Htl0l4Lwgtl_gtl6MdEgbOEm41JM-glA4cDspEOavO1b6bcLMHBMRk2OAEllG0M1juHh7sqeGtHYiL6 EjXTqXJtwoETgrNE2leD3jXUtGRZioHFBW8vuVkQG11hbUo-8vLfTJaFOb8TPhmtXb4OVRRN2CQfTqCsySFqMSp3060TcGKTuX Qx77PWkT3LrJ5vZ5lDkses6yqCQjO0ard9VDw8IOCGvnIdP_9E av8LyELVU4Y0q7uYpKnl6Edqy5btIF9eNCdr7zhA6RxnyeI-CBziNHSVc3QgO-EVrFqqKABiS4FRyeRR5Ra0cpA=w1698-h955-no

On the left is garlic onion, on the right is cinnamon and nutmeg. Never used a dutch oven before and thought I'd try it out now that I have this one from Driver.

[HoneyBadger]

I don't think you're wrong to go ROTH at all. Obesity thing I was confused about was the max contributions. It is $5,500 for any type of IRA, but he makes it seem like the $5,500 includes the taxes when funding a ROTH, and that's not the impression I was under. I didn't like the way he did the math on that part.
Yeah, it's easy to get confused when the federal tax code is 75,000+ pages long. [Shake]

[HoneyBadger]

Full disclosure - camera was clipped to steering wheel and set to timer and all posts/texts were made from shoulder parked to attach/detach camera or while parked in restaurant and gas station lot.


hahaha liar. ;)

[HoneyBadger]

Oh snap! Bread cook off!





On the left is garlic onion, on the right is cinnamon and nutmeg. Never used a dutch oven before and thought I'd try it out now that I have this one from Driver.
Those both look pretty darn good! I'd like to try the one on the left. :D

[buffalobo]

Speaking of scary stuff. Standing at the top of a 32' ladder, in a tree, with the wind blowing; so everything is moving left to right about 3 inches in either direction. THEN, asking your wife to pull on the rope you just hung and you find out you hung it too far out because when she pulls on the rope, the tree branch moves down a full six inches against the ladder. I thought I was going to vomit.
The next part was trimming a branch from the same spot with the worry that when the weight of the cut branch is relieved, the trunk holding the ladder will rise enough to drop the ladder. After that we just flew a kite in the wind. Heh.
Much harder working in trees with ladders than against houses.

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[buffalobo]

Mrs bo interested in bread recipes.

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[buffalobo]

hahaha liar. ;)
No lies, just a little speeding.

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[HoneyBadger]

No lies, just a little speeding.

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I would not have done that. If I was the law-breaking type (and God knows I'm not), I would have just grabbed my phone and snapped a pic without stopping. Of course, the pic I would hypothetically take would be kind of pointless because it would show 69.9 mph on the 70mph interstate... ;)

[buffalobo]

Took 5 minutes to set up with piece of card board and couple spring binder clips from my briefcase.


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[hghclsswhitetrsh]

Lobo you get any video of you doing burn outs in that piece of shit?

[Mazin]

Lobo you get any video of you doing burn outs in that piece of shit?


Now i thought you'd be the last one to mention burnouts [Coffee]

[Mazin]

Tag your it

[hghclsswhitetrsh]

Now i thought you'd be the last one to mention burnouts [Coffee]

Hypothetically.

[Mazin]

Lol well played

[Irving]

Mrs bo interested in bread recipes.

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Just regular no knead bread (flour, salt, yeast, water) and flavor to taste.

I ended up putting them back into the oven and the outside is way over done on both of them now. The insides are perfect but you pretty much have to cut off the crust. Haven't screwed that up since my first try. Oh well, still very tasty. You can taste the cinnamon and nutmeg in one, and the onion flakes and garlic in the other. Came out quiet well despite baking the crust on so hard.

[Irving]

I nearly forgot. Someone gave me the idea of climbing the ladder from the back side, with arms only, as a kind of work out. I tried it and it wasn't as difficult as I thought. Hands fatigue from the awkward grip on the D-rungs before anything.

[buffalobo]

Lobo you get any video of you doing burn outs in that piece of shit?


No, setting up that pic was my only transgression, I was actually very quiet and sedate the whole week.

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[hghclsswhitetrsh]

Lame. You ever wanna do some big boy burn outs let me know. [emoji41]

Hypothetically of course.

[fly boy]

well I'm sick of my "new" truck

[fly boy]

2012 ecoboost with nothing but the ecoboost problems.

[fly boy]

has to be either stock, or heavily modified.

[fly boy]

It's had nothing but nickel and dime issues, and no warranty since 3/36000 is gone.

[fly boy]

so I started to void the warranty and making more issues for myself.

first was a down-pipe......

[fly boy]

too much boost and messed up the wastegates.

[fly boy]

custom tunes and about 8 different re-config's and still having wastegate issues.

[fly boy]

so up next would be new aftermarket wastegates to hold the higher boost pressures.

[fly boy]

higher boost means, I would need to upgrade internals and fuel systems.

[fly boy]

upgrading engine and fuel system means I need to upgrade clutch and trans and axles, and, and, and, etc.

[fly boy]

I'm ready to return to stock and sell for a dodge. lower the payments, better fuel mileage, and could tow if I needed to in the future.

[fly boy]

bleh. i'm done whoring and ranting at the same time.

Just hate wasting money on expensive hobbies and toys and constant disappointment.

[Irving]

Have you joined a Ford board so you can read what other people went through and found to work so you don't have to do it first hand?

[Great-Kazoo]

Have you joined a Ford board so you can read what other people went through and found to work so you don't have to do it first hand?

If he ask them as many questions as he's asked me they'd ban him day 1.

Which reminds me .

[Great-Kazoo]

bleh. i'm done whoring and ranting at the same time.

Just hate wasting money on expensive hobbies and toys and constant disappointment.

What's the story with your AR build?

[Great-Kazoo]

bleh. i'm done whoring and ranting at the same time.

Just hate wasting money on expensive hobbies and toys and constant disappointment.

You get a LPK yet ?

[Great-Kazoo]

Or still waiting for me to pm you back

[Great-Kazoo]

I did, pm you.

[Great-Kazoo]

At least i think i remember pm'ing you

[Great-Kazoo]

I think.

[Great-Kazoo]

Therefore I Am.

[brutal]

I started down that rabbit hole when I:

"Chipped" my A6 (only stage I)
Chipped the trans controller

Result? Pretty good run until; blew a K03 (turbo)
Put in K04's, downpipes, held off on the rest.
Wrench said the trans/TC would be "fine" at (still) stage I
10 months later, TC started acting up, so got to pay to have the engine pulled again and got that done (aftermarket TC)
Was tempted to go stage II/II but ran out of money.
Probably a good thing. I'm just going to drive this till the wheels fall off.
Being a 13 year old Audi, that could happen at any moment.

OTOH, my 2004.5 Ram has been mildly BOMB'd since 2006 @~7.5K and never really gives me a lick of trouble.

[Great-Kazoo]

I Think.

[HoneyBadger]

Therefore, you are.

[Great-Kazoo]

Of course you are, my bright little Star

[HoneyBadger]

See? I'm good at this game! :D

[HoneyBadger]

Wait... I'm your WHAT? [Shock]

[brutal]

I think he meant Little Pony.

[HoneyBadger]

Dammit. I just stayed up to pick a friend up from the airport at midnight, but he missed his flight so he's stuck in San Fran overnight and I stayed up for no reason. [facepalm]

[Irving]

Well didn't he tell you?

[Great-Kazoo]

Well didn't he tell you?


Too busy exploring the Frisco nightlife..

[Irving]

I cannot sleep. Been in bed since 11:30pm. Very irritating.

[OldFogey]

I woke up! Wait. I guess that's a good thing...

[hghclsswhitetrsh]

Woke up around 5 and found the temp of the smoker to be below desired temp. Waited until 630 to do something about it so I didn't wake the fam too early. It's rolling now. Brisket was on at 7 pm. We will see when it'll be done, current internal temp of 131.

[Great-Kazoo]

BUT I DON'T LIKE LOBSTER

[hghclsswhitetrsh]

Brisket almost done. Internal temp 199. 4 more degrees to go.

[HoneyBadger]

Well didn't he tell you?
Yeah, flight left at 11pm, he called me at 11:15. He was kind of busy trying to figure out a way to get here in the morning. Now I'll be picking him up from a different airport in 2 hours.

[HoneyBadger]

I cannot sleep. Been in bed since 11:30pm. Very irritating.
Drugs will do that to ya...

[fly boy]

Have you joined a Ford board so you can read what other people went through and found to work so you don't have to do it first hand?

Yes, that's how I know it's my waste gates. But thanks for the tip


If he ask them as many questions as he's asked me they'd ban him day 1.

Which reminds me .

i ask because I do not know and want to learn.


What's the story with your AR build?

It's a slow process but proceeding well since I have someone to bug ask ask newbie questions to.


You get a LPK yet ?

yes. I went with the comple cmmg Kit for ar15, not the mk3 Kit


Or still waiting for me to pm you back

You did pm me back.


I did, pm you.

Correct


At least i think i remember pm'ing you

Memory is the first thing to go with age.


I think.

Careful, don't want to hurt that beautiful mind.

[Great-Kazoo]

Yes, that's how I know it's my waste gates. But thanks for the tip



i ask because I do not know and want to learn.



It's a slow process but proceeding well since I have someone to bug ask ask newbie questions to.



yes. I went with the comple cmmg Kit for ar15, not the mk3 Kit



You did pm me back.



Correct



Memory is the first thing to go with age.



Careful, don't want to hurt that beautiful mind.

I cannot believe

[Great-Kazoo]

You took 8 perfectly good replies

[Great-Kazoo]

each 1 an

[Great-Kazoo]

Opportunity to boost

[Great-Kazoo]

your

[Great-Kazoo]

post whore count

[Great-Kazoo]

You are the weakest link

[HoneyBadger]

Flyboy, you've been slacking at getting the top o' the page post lately. I am disappoint.

[buffalobo]

Yea flyboy, major PWT foul.

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[Great-Kazoo]

Yea flyboy, major PWT foul.

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He's really slacking IF i'm top o da heap

[fly boy]

You are the weakest link

I was in class

[fly boy]

Flyboy, you've been slacking at getting the top o' the page post lately. I am disappoint.

work does that

[fly boy]

Yea flyboy, major PWT foul.

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who are you again? tapatalk sucks

[fly boy]

He's really slacking IF i'm top o da heap

not slacking, actually just the opposite.... Everybody's working for the weekend.... oh yeah

[fly boy]

I was in class

What class? No school is open on SUNDAY! (okay, maybe there is)

[fly boy]

work does that

and by "work" you mean "slacking off"

[fly boy]

who are you again? tapatalk sucks

That's buffalo Bob.... It puts the lotion on the skin! (he's got more posts than you!)

[fly boy]

not slacking, actually just the opposite.... Everybody's working for the weekend.... oh yeah

and now that I'm off work, time for the weekend chores. Adios all.

[bogie]

Happy Valentine's Day, skanks. Don't let Cupid hit you in the ass today!

[Great-Kazoo]

I was in class

Poor excuse. I have no class and still topped your sorry tuckus

[fly boy]

Poor excuse. I have no class and still topped your sorry tuckus

HAHA! you just said you have no class.

[fly boy]

looks like there's a storm a brewin

[fly boy]

knock knock.....

[fly boy]

knock knock.....

who's there?

[fly boy]

bewbies....

[fly boy]

bewbies who?

[fly boy]

blue bewbies!

http://uploads.tapatalk-cdn.com/20130724/ydu2ahu9.jpg

[buffalobo]

who are you again? tapatalk sucks
I'll remind you.

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[HoneyBadger]

I'll remind you.

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Please tell me you banned him for posting pics of boobies! [ROFL2]

[buffalobo]

Please tell me you banned him for posting pics of boobies! [ROFL2]
Banned for wasting posts. I like the boobie pics.[emoji6]

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[Great-Kazoo]

Banned for wasting posts. I like the boobie pics.[emoji6]

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You can take the hillbilly outta Alabamy. But you can't Alabamy outta the hillbilly.

[fly boy]

Guess I shouldn't post a lot in the post whore thread. ��

[HoneyBadger]

Guess I shouldn't post a lot in the post whore thread. ��
DON'T QUESTION BUFFALOBO'S AU-THOR-I-TAY.

[Great-Kazoo]

Guess I shouldn't post a lot in the post whore thread. ��

Took you 3206 post to figure that out ?

[buffalobo]

You should post more in PWT, just don't waste posts. Hurt my heart to see so many quotes in one post.

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[HoneyBadger]

Gosh, it's like Fight Club in here...

[fly boy]

Gosh, it's like Fight Club in here...


Shhhh. Don't mention that one thing.

[Great-Kazoo]

Gosh, it's like Fight Club in here...

CA is turning you in to a fucvkin safe space millennial. WAAAAAAAAAAAAAAAAA they're yelling at each other. NO WE'RE NOT YELLING.


OK maybe i am. BTW. 3 more months till a reckonin comes to SM. With probably 1/2 a van load of ammo

[Great-Kazoo]

So......... the small print on this pre-mri stuff says. MAY CAUSE LOOSE BOWL MOVEMENTS. Who they kidding. My shitter looks like a ticker tape parade

[HoneyBadger]

CA is turning you in to a fucvkin safe space millennial. WAAAAAAAAAAAAAAAAA they're yelling at each other. NO WE'RE NOT YELLING.


OK maybe i am. BTW. 3 more months till a reckonin comes to SM. With probably 1/2 a van load of ammo
Mommy and daddy are fighting again... [Cry]

Ammo is the one thing I actually have a good amount of, but I could always use some 5.56. Seeing as I don't have the time, space, or motivation to reload out here (I don't even have room for a 4ft workbench :() I may be looking to sell some of my reloading stuff if you're interested. I have lots of brass (all .223 and 9mm) and a bunch of primers, bullets, and powder for each. As a rough guestimate, I'd probably be looking to sell or trade about 12k primers (SRPs and SPPs), I think I have ~16lbs of clays and ~ 12lbs H335. I have at least 1k 115gr FMJs and probably about 2k .223 bullets (about 1k of them are the really accurate "Dogtown" bullets). Probably have 2-3k 9mm brass (dirty) and 3-4k .223/5.56 brass in various stages of cleaning. Let me know if you're interested and we'll work something out. If you're really interested, I'll pull it all out and get an accurate count of everything. If not, It'll stay in storage until I move out of CA.

[HoneyBadger]

Shhhh. Don't mention that one thing.
I think your version of "that one thing" is significantly different than my version of "that one thing".

Also, context is everything. For example, If I told you that Mrs. HB gave me that one thing for Valentine's day, that might mean something totally different than if I said to a buddy "hey, lets grab some guns and go shoot that one thing next to the old barn." See? Context is everything.

[hghclsswhitetrsh]

I'll take two of what jim's taking.

[HoneyBadger]

I'll take two of what jim's taking.
Feeling blocked up? [LOL]

[OtterbatHellcat]

That epic sub thing was hilarious.

Well, that and just you guys messin with each other....lol.

[HoneyBadger]

:D Hey OBC!

[fly boy]

I have to post twice

[fly boy]

The second post for the new page.

[buffalobo]

That epic sub thing was hilarious.

Well, that and just you guys messin with each other....lol.
It's aalliiiiiiiiive!

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[HoneyBadger]

The second post for the new page.
That was a gimme. I was just sitting around waiting for you to get the "top of the page" post to boost your self esteem. [Coffee]

[fly boy]

That was a gimme. I was just sitting around waiting for you to get the "top of the page" post to boost your self esteem. [Coffee]

well thank you. I needed it after I was banned.

[HoneyBadger]

well thank you. I needed it after I was banned.
You got banned for running your mouth. And because bo thinks you're cute. [fag]

[fly boy]

You got banned for running your mouth. And because bo thinks you're cute. [fag]

it's the beard! he likes a man in uniform, but I look much sexier with a beard

[HoneyBadger]

it's the beard! he likes a man in uniform, but I look much sexier with a beard
Your points may be valid, but there's no way to be sure. Post a pic and let us be the judges of that. [Muaha]

[fly boy]

Your points may be valid, but there's no way to be sure. Post a pic and let us be the judges of that. [Muaha]

HAHA, that's like AOL messenger a/s/l?

[Great-Kazoo]

That was a gimme. I was just sitting around waiting for you to get the "top of the page" post to boost your self esteem. [Coffee]

From what "I hear" pwt is the only time he's on "top"

[Great-Kazoo]

HAHA, that's like AOL messenger a/s/l?

You better figure out away to get HO BC more involved, or you're it.

[brutal]

Fawk.

Annual self-appraisal (overdue step).

The corporate swimsuit competition.

1. Learn shit
2. Apply shit
3. Make money
4. Keep em happy
5. Rinse, repeat next year

Sucks that I've been productive for 40 years and one bad quarter now could land me on the street like an old used up dishrag.

[HoneyBadger]

Fawk.

Annual self-appraisal (overdue step).

The corporate swimsuit competition.

1. Learn shit
2. Apply shit
3. Make money
4. Keep em happy
5. Rinse, repeat next year

Sucks that I've been productive for 40 years and one bad quarter now could land me on the street like an old used up dishrag.
Surely, they could find someone young and inexperienced to do 90% of what you do for 40% of the pay, right? [Sarcasm2]

I hope you don't get canned.

[HoneyBadger]

HAHA, that's like AOL messenger a/s/l?
Soooooo.... no pics? :(

[brutal]

Surely, they could find someone young and inexperienced to do 90% of what you do for 40% of the pay, right? [Sarcasm2]

I hope you don't get canned.

Perhaps, but that other 10% that will kick their ass will get them fired and lose a fortune 50/100 client for forever in a heartbeat. What's that worth?

I'm also the ONLY guy in the company that works on one particular platform. Not all the time, mind you, but I'm it and it's 25-30% of my workload on delivery, and about 10% on pre-sales support and architecture (for which I don't get measured/comp on). Some of it is annual contract work that rebooks year after year.

One of my client's purchasing guys decided they were not going to use our company any longer - through no fault of ours. My contact found out, and made a huge fuss with exec mgmt that they couldn't complete two highly visible and critical upcoming projects without me. That and some smooth plays from our execs got us back into the account and consequently last year the company closed the largest ___ platform sale in NA for a particular OEM that also has three letters in its name. Do you think any of that matters? Hell no.

[Great-Kazoo]

Fawk.

Annual self-appraisal (overdue step).

The corporate swimsuit competition.

1. Learn shit
2. Apply shit
3. Make money
4. Keep em happy
5. Rinse, repeat next year

Sucks that I've been productive for 40 years and one bad quarter now could land me on the street like an old used up dishrag.

Hopefully you're still there after the dust clears. Unfortunately we both know how age plays. The closer to retirement, the more they look for any excuse to escort you out.

Not close enough to retirement age to cash out? Maybe go back as contract hire.

[fly boy]

Soooooo.... no pics? :(

Ha, You are a very curious one to see other dudes beards. Is it because you cannot have one yourself?

[Great-Kazoo]

Ha, You are a very curious one to see other dudes beards. Is it because you cannot have one yourself?

Probably he's "curious" being hetro and all .

[Alpha2]

Maybe "bi-curious"?

[Great-Kazoo]

Maybe "bi-curious"?

When i worked the door in NYC. Told this chick i was "Buy Curious", when she tried bribing me to get in this club.

[HoneyBadger]

Ha, You are a very curious one to see other dudes beards. Is it because you cannot have one yourself?
Yep. Try as I might, I'll never be able to grow a full lumberjack beard. My dad and brother are the same way.

[HoneyBadger]

Maybe "bi-curious"?
Nope. Not even a bit.

[Monky]

Jesus did I just walk into a LGBT meeting?

[hurley842002]

Jesus did I just walk into a LGBT meeting?

Affirmative action everywhere....

[hghclsswhitetrsh]

Jesus did I just walk into a LGBT meeting?

Out of one into another eh?

[Great-Kazoo]

Out of one into another eh?

Some like sneaking in through the back door

[Alpha2]

I see what u did there.

[HoneyBadger]

Some like sneaking in through the back door
I bet he knows all about that "back door". [flamingo]

[Great-Kazoo]

I bet he knows all about that "back door". [flamingo]

Probably has an autographed copy of

http://www.recordsale.de/cdpix/e/eltonjohn-captainfantasticandthebrowndirtcowboy(12).jpg

[bogie]

Fawk.

Annual self-appraisal (overdue step).

The corporate swimsuit competition.

1. Learn shit
2. Apply shit
3. Make money
4. Keep em happy
5. Rinse, repeat next year

Sucks that I've been productive for 40 years and one bad quarter now could land me on the street like an old used up dishrag.

Heres what you could do to fight the age thing... Get some skinny jeans, horned rim glasses, grow a beard, shave your head, get a dirty cardigan and one of those little commie hats and some 80s sneakers, some kind of animal tattoo on your arm, an iPhone, iPad, iMac, a fixed gear bicycle to ride to work, an rtd ecopass, and some organic food in a mason jar inside your beat up messenger bag. Show up to work tomorrow and act like a fucking idiot and just chat up your boss about the new microbrew/distillery you are opening in some shitty part of Denver.

[brutal]

Heres what you could do to fight the age thing... Get some skinny jeans, horned rim glasses, grow a beard, shave your head, get a dirty cardigan and one of those little commie hats and some 80s sneakers, some kind of animal tattoo on your arm, an iPhone, iPad, iMac, a fixed gear bicycle to ride to work, an rtd ecopass, and some organic food in a mason jar inside your beat up messenger bag. Show up to work tomorrow and act like a fucking idiot and just chat up your boss about the new microbrew/distillery you are opening in some shitty part of Denver.

That's Irving funny right there.

However, I primarily work from home or commute to DIA. Haven't been to the local office in years. Even visiting a client occasionally that's right across the street, I have zero reason to go into the office.



But I know you knew that...

[Irving]

However, I primarily work from home or commute to DIA. Haven't been to the local office in years. Even visiting a client occasionally that's right across the street, I have zero reason to go into the office.


Is your F-You money on lock?
http://jlcollinsnh.com/2011/06/06/why-you-need-f-you-money/

I know mine is not, but I've made it my priority.
Good luck, and I hope that you're just being overly worried and everything goes fine long enough for the F-You money to kick in.

[Great-Kazoo]

Is your F-You money on lock?
http://jlcollinsnh.com/2011/06/06/why-you-need-f-you-money/

I know mine is not, but I've made it my priority.
Good luck, and I hope that you're just being overly worried and everything goes fine long enough for the F-You money to kick in.

Us seniors call that, coffee can money.

[HoneyBadger]

Irving, got your message. I'll give you a dignified response once I'm off work.

[Irving]

Irving, got your message. I'll give you a dignified response once I'm off work.

Thanks, I was just about to give you a -1 in the feedback forum as a financial advisor.

[HoneyBadger]

Thanks, I was just about to give you a -1 in the feedback forum as a financial advisor.

You should probably still do that. I'm not a financial advisor. [ROFL1]

[brutal]

Irving should get a -1 for expecting to get financial advice from guys who spend more money on guns than their kid's college fund.

[buffalobo]

Irving should get a -1 for expecting to get financial advice from guys who spend more money on guns than their kid's college fund.
Hey, I resemble that statement.[emoji33]

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[hghclsswhitetrsh]

Hey, I resemble that statement.[emoji33]

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Ditto.

[fly boy]

Oh look, 2 posts to a new page. I think I'll post.

[fly boy]

But I won't follow through and get the new page.

[fly boy]

74,001 posts in this thread. Wow.

[fly boy]

Irving should get a -1 for expecting to get financial advice from guys who spend more money on guns than their kid's college fund.


I do that! But then again, I can transfer a g.i bill to them, or make them join the military for free college....... If budget isn't cut again.

[Irving]

Like a true financial advisor, HoneyBadger did not answer my question, and at the same time over complicated his answer in a way that suggested I chose a product that has high fees. :p

We'll get it right. Lol

[HoneyBadger]

Like a true financial advisor, HoneyBadger did not answer my question, and at the same time over complicated his answer in a way that suggested I chose a product that has high fees. :p

We'll get it right. Lol
Hey now, I answered 80% of your question! And all mutual funds have fees: either they are loaded, or "no-load" but you want ones with proven track records of out-performing the market and a low expense ratio.

[Irving]

I'm pretty much settled on Vanguard's VTSAX. Thanks for getting back to me.

[HoneyBadger]

Irving should get a -1 for expecting to get financial advice from guys who spend more money on guns than their kid's college fund.
True, but by May of this year, I will have crossed the inversion line on this one. I.e.: 529 will have more money in it than the current value of my "arsenal"

[HoneyBadger]

I'm pretty much settled on Vanguard's VTSAX. Thanks for getting back to me.
Why? That one will never do any better than the market. Isn't the goal outperforming the market?

[Irving]

Why? That one will never do any better than the market. Isn't the goal outperforming the market?

No, trying to outperform the market is almost guaranteed to fail.

[Irving]

This documentary is next on my list of research. I think it's something you'd be interested in. I'm going to try and watch it tonight and I'll let you know. See if you can watch it as well. It's called The Retirement Gamble and is about the money we lose to fees.

http://www.pbs.org/wgbh/frontline/film/retirement-gamble/

[HoneyBadger]

No, trying to outperform the market is almost guaranteed to fail.
Why would you think that? Millions of people do it every day. I've done it. You can do it to. It isn't some sort of magic.

[HoneyBadger]

This documentary is next on my list of research. I think it's something you'd be interested in. I'm going to try and watch it tonight and I'll let you know. See if you can watch it as well. It's called The Retirement Gamble and is about the money we lose to fees.

http://www.pbs.org/wgbh/frontline/film/retirement-gamble/
Dave Ramsey actually responded to this recently in one of his episodes. It's basically a big old crock of shit. And coming from PBS, we shouldn't really expect anything less.

[HoneyBadger]

This documentary is next on my list of research. I think it's something you'd be interested in. I'm going to try and watch it tonight and I'll let you know. See if you can watch it as well. It's called The Retirement Gamble and is about the money we lose to fees.

http://www.pbs.org/wgbh/frontline/film/retirement-gamble/


Dave Ramsey actually responded to this recently in one of his episodes. It's basically a big old crock of shit. And coming from PBS, we shouldn't really expect anything less.
Found the show:
https://www.mixcloud.com/thedaveramseyshow/7950-dave-goes-on-a-rant-about-saving/
Scroll down and fast forward to 10:40 and his response to the question goes until about 19:55

[bogie]

I love it when hos quote themselves!

[HoneyBadger]

I love it when hos quote themselves!
Sometimes, it is necessary for reasons.

[HoneyBadger]

How are you doing lately, Bogie?

[Irving]

I haven't watched it yet. I just started it and the very first guy sounded like a whiner so I'll have to see if the rest is as dumb as the first guy.

[Irving]

Oh Jesus, the very first guy is making more than I've ever made in my life and is crying about trying to figure out a way to save only 10-15% of his salary.

[hghclsswhitetrsh]

With my old job I was able to contribute 13% of my wages. Not so much anymore. Things are a wee bit tighter.

[Irving]

My new goal is to try and save (and invest) 50% of my income. So far it's MUCH easier than I ever imagined it would be.

EDIT: The cutting back spending part is easier I mean.

[HoneyBadger]

Oh Jesus, the very first guy is making more than I've ever made in my life and is crying about trying to figure out a way to save only 10-15% of his salary.
Yeah, that happens sometimes. It's all about perspective.