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|2 days 1 hour ago||on the opposite||
on the opposite end of the spectrum the NFL draft is by far the worst. It's ok to watch on TV but if you ever go in person it is so painfully boring. You REALLY feel the time in between each pick Unless your team has the #1 pick just look online or wait for the push notification
|5 days 1 hour ago||If the above||
doesn't go through, let me know.
I have never sold the whole season together, I only have done games at a time.
|1 week 5 days ago||Do you think||
it would play out like the scene in rudy with Spike walking into Beilein's office and laying down his jersey.
"Coach - for Brown or Williams"
I realized this is scholarship vs. playingtime, but thats how I envision it.
|1 week 6 days ago||I wonder||
if we tweeted this to JH how he would respond? Donate with an enthusiasm unknown to mankind?
|2 weeks 2 days ago||I hear||
the Oakland Raiders are still in play
|2 weeks 3 days ago||adding one||
that has not been discussed -
for anyone who has been to Costa Rica (or amazon.com) - Lizano Salsa
Edit - i'm also an idiot and missed the post right above me for the same thing...
|2 weeks 3 days ago||or the inverse||
i like to use it to make a breakfast manhattan (maple syrup instead of sweet vermouth)
|2 weeks 3 days ago||people put it on steaks||
because they get them cooked well done and then there is no more flavor.... which is also crime
|3 weeks 1 day ago||Apologies||
I did miss that - but that is something available only to those in Michigan and no one else. Given that the OP is not in Michigan and MANY others have pointed that MET and how it didn't work, not exactly the most helpful comment.
Also, if my understanding is correct if your kids go to private school or out of state (or no college at all) you are more or less SOL. Granted given the number of great schools in Michigan that shouldn't be an issue, but it's not like MET is without its downside.
|3 weeks 1 day ago||I see both sides||
On the one hand, yes rates are low so you should borrow and invest like crazy, but frankly I think overall its better off to have a clean balance sheet and be fully debt free. As soon as those payments stop you can plow money every month into investments and other things.
I know the sensible thing is to leverage up on cheap money and invest but frankly I don't know how well that worked for a lot of people over the last 10-15 years.
Granted, i would never sacrifice 401K / Roth / etc contributions to pay down a home faster, so as long as you have a fully funded retirement, some emergency cash etc, I agree to aggressively pay down a home loan (and all other debt)
|3 weeks 1 day ago||529 fees||
vary by state - NYS is as low as 20bps so if you invested 10K it would only be $20 / year. If you are buying etfs (assuming low cost online broker, like etrade) you are going to pay that if you make 2-3 purchases a year / vs. the 529 being able to contribute everytime the grandparents send a check or you decide to add more.
Otherwise I think thats a great plan and well thought out (although I would worry about single names underperforming the broader market, but the tradeoff of getting the kids directly interested is definitely worth it).
|3 weeks 1 day ago||way to point out||
only the downsides. Yes there would be issues if you panicked or had to withdraw those years. Bond funds / mutual funds should be factoring in the rate raises and hopefully hedging against them (either via inflation notes, floating rate bonds or swaps).
There are no products that tie to the inflation costs of the things you mention, so your only alternative is cash which way underperformes vs. tuition raises.
The best bet is to do equities and slowly shift to bonds as you get closer (same as for retirement), not a 100% shift but a good amount, and yes the bonds won't increase at the rate of tuition increase but it will still be better than the alternatives.
|3 weeks 1 day ago||way to generalize||
an entire profession. they certainly hit the range, some are bad and have conflicts of interest but I would bet many or a lot have your best interest in mind.
It's easy to screen through, look for any firm whose does not also sell their own products; thats where the major conflicts of interest arrive.
|3 weeks 2 days ago||quit drinking||
and go to bed
|3 weeks 2 days ago||agreed||
as well as a lot of the crazy home stuff he has put up recently such as the radient heat flooring and measuring of electricity zombies
|3 weeks 2 days ago||agreed||
definitely a regular read on my blog list! although when I share his posts with friends / family they sometimes look at my like I am crazy (especially on the radical expense cutting stuff)
|3 weeks 2 days ago||I would also say||
low cost mutual funds are too costly - look at low cost ETFs that track the broad market (vanguard has a TON) and then use a robo advisor like betterment.com to help with allocations
|3 weeks 2 days ago||that actually depends||
based off of your expectations of tax rates now vs future.
If OP is in a high tax state and expects to move to a low tax state for retirement (NY to FL) its better to use pre tax money now, if the OP is in a low tax state and moves to a high tax (MI to CA) then it is better to pay taxes now.
Tax defference is never as easy as people make it out to be.
There is obviously the variable of tax raises / cuts (ha!) as well
|3 weeks 2 days ago||Usually||
if they work for a company they have fiduciary duty with / through that company, but if they are on their own that the CFP does help. But frankly, there are enough loop holes where the recourse of that is very little.
Agreed better to have than not, but I don't think thats a deal breaker IMO
|3 weeks 2 days ago||My two cents||
1 - I like the buying grades back - definitely an interesting incentive!
2 - I personally did the 529, but my horizon is a bit longer (17+ years). I would say just keep in mind when picking investments we are likely going to have some sort of drop over the next 10 years (they tend to happen every decade or so) and you don't want to get caught where that drop is close to when your kids are in school
I liked that the 529 was state tax deductable, and I assume you are in NY based off of your original post and I think that adds a good amount of value, especially since it is one of the better 529 programs. Which remember you have to use your states plan to get the state tax deduction
I decided to stay away from the IRA because it just lead to either higher fees or more investment options that I didn't want to have to deal with, the NYS 529 options are all pretty straight forward which helped quite a bit.
Lastly - i wouldn't worry about your retirement and college funds being tied to the market. In a long enough time horizon that should be more than a-ok. Like i said the 10 years for 529 makes me nervous so I would say do something more conservative (higher bond allocation), but for your retiremetn I am going to guess you are 15-20 years away (since you have at least 12 until college is done) which should be more than enough time to have decent exposure to the market
sorry - i haven't read all the way through yet so if this is a repeat, my bad
|3 weeks 4 days ago||Agreed -||
I think its safe to say his "pure bliss" smile is the one displayed when he and his dad were in the judge judy audience
|3 weeks 5 days ago||I would have thought||
peppers doing pushups would have made it!
|4 weeks 2 days ago||was going to list||
the desmond no PI only becasue no one had until you
but the other key contenders were covered as well
|5 weeks 2 days ago||I had to go back and||
rewatch becaus I didn't believe you. Clearly I didn't notice him either
|5 weeks 3 days ago||Agreed||
I am slowly coming around to the new look but I do deeply miss the old press box and lettering
|5 weeks 3 days ago||talk to harbaugh||
or Bo - they would tell you a lesser athlete / man would have gone down
|5 weeks 3 days ago||grasping at straws||
but does he have to officially graduate first? I imagine the approval is all conditional, so it likely is the BT being idiotic and process driven, but like I said grasping at straws.
|5 weeks 4 days ago||also big difference||
that their coach has a track record of leaving issues behind after he leaves a school. agree you can't know for certain, but safter bet to say that they cheat
|5 weeks 6 days ago||so most importantly||
what does this do to my super bowl squares?
|5 weeks 6 days ago||or at least||
have something valuable to "trade" - I didn't cut the cord altogether but don't have BTN or HBO but am able to get those via a trade for my amazon prime.