Everything posted by GottaB
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All Encompassing Personal Finance Thread
I listened to Dave Ramsey for a while but listening becomes repetitive quick. It’s as if the callers have never listened to a single episode. A criticism of his strategy is that it relies on a return on investments for what you save is not the current returns being seen. It worked in the 80s. You need to save more than he suggests now. Listening to him did get me looking at my finances more than ever. And people that follow his strategy / steps will place them better prepared for financial health than 80% of the US population. I’m 40 and I finished my last degree in my mid 30s so I still have education debt (at 2% interest). I have 3 young kids and we just recently got past the massive monthly daycare bill. My wife and I make a comfortable living but we are just now getting our financial sea legs under us. I’ve always made more than her but she’s gaining (which is awesome). Things I have because I listened to Dave: - Term Life insurance policy not connected to my employer that lasts until after the kids would be in college. - A rental home (investment) - A used car with a small note (- my wife drives a car that is paid off. - 529 for my kids with monthly contributions - savings account for my kids that I control - 3 months living expenses available in cash. I would like this to be closer to 6 months and we are on our way. - my kids get an allowance where they give-save-spend out of. They can buy with their money if I approve of the purchase. - Before listening i was already maxing out my 403b. Now most of those funds are in low cost index funds. As a bonus, my wife just paid off her school loans in under 10 years. She’s a finance person that is more budget minded than I am. I still have some bad spending habits. I buy crap I don’t need but I make sure it doesn’t affect our budget. It does keep me from maximizing my savings. I would like to also start a ROTH but I’m not that compelled at this time.
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The Next Batman
I’d buy that ticket.
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The Next Batman
So this was floated on Kevin Smith’s podcast. Let Michael Keaton play the old batman manning the cave alfred style and a new young actor play that role.
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The Walking Dead - Season 8
At least the shitty writing has some groovy music this episode. Alpha. The new nemesis. Ok. Defenses meant for the walking dead will be shit for these creepers. I imagine fire or massive herds will bring down the walls.
- Shit My Kid Says
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anyone ever done a thru-hike?
My uncle attempted the Appalachian trail. 2/3s the way down he was crossing a bridge and was hit by a car (lady said she was blinded by the sun), tossed over the rails and broke some bones. He spent some time in the hospital and recovered. He still hikes but I don’t think he ever went back to complete the trail.
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Shit My Kid Says
Wife was heating ready. Not completely dressed. 6 yo: Why are those hemispheres so big?
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New Computer Build
I’ve been in the Mac universe for about a decade. Their offerings have lost my attention and I decided this was an opportunity to build my own. It’s mainly for web surfing but I do play some games on PS4. I used to play computer games way back in the day so I figured I’d like the option to play on PC. So the goal was for a solid performer for $1200. I found some deals so let’s hope the parts don’t crap out. Bonus I should get three games as promotions with the parts purchased. PCPartPicker part list / Price breakdown by merchant CPU: AMD - Ryzen 7 2700 3.2 GHz 8-Core Processor (Purchased For $235.00 after bundle price) Motherboard: Asus - Prime X470-Pro ATX AM4 Motherboard (Purchased For $155.00 after bundle price) Memory: Corsair - Vengeance RGB Pro 16 GB (2 x 8 GB) DDR4-3000 Memory (Purchased For $110.00) Storage: Western Digital - Blue 1 TB M.2-2280 Solid State Drive (Purchased For $125.00) Video Card: XFX - Radeon RX 580 8 GB GTS Black Edition OC+ Video Card (Purchased For $175.00 at Frys w/ 20% off) Case: Phanteks - Eclipse P300 Tempered Glass (Black/White) ATX Mid Tower Case (Purchased For $54.00) Power Supply: Corsair - TXM Gold 850 W 80+ Gold Certified Semi-Modular ATX Power Supply (Purchased For $83.00) Wireless Network Adapter: Gigabyte - GC-WB867D-I PCI-Express x1 802.11a/b/g/n/ac Wi-Fi Adapter (Purchased For $36.00) Monitor: Dell - S2419HGF 24.0" 1920x1080 144 Hz Monitor (Purchased For $170.00) Total: $1143.00 Prices include shipping, taxes, and discounts when available Generated by PCPartPicker 2019-02-21 23:13 EST-0500
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The Gun Owner’s thread
Where is your uncle? Academy has some. I bet elite guns on Parmer lane has a bunch. GT Distributers has a good selection.
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The Gun Owner’s thread
I think the quota here is 2. One centerfire, one rimfire. After that you have to pick up a 1911, then move on to polymer hi cap pistols. Brat, once they all move through the pistol phase, and one or two or ten AR platform builds, they’ll focus on shotguns; tactical first then elegant skeet shooters. That’s when they pick up a lever action to harken back to the old days. Which then reminds them of the wheel guns. Patience old buddy. They’re coming around.
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Texas @ UL-Lafayette Series Thread
Bases loaded.
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Trivial Things That Make You Surly
That happens in repetition for all of HGtV. Not just the show but each segment. There is a preview. A full segment. And a sneak peak of the next segment. 20 minutes of video cut an multiplied to 40 minutes of content spliced with commercials to make 60 minutes of programming. Fuck I hate that channel.
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Post a pic that makes you say "Holy shit."
In the meantime, dream of large women
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The Gun Owner’s thread
Could not agree more. My next purchase is a CZ bold action .22lr rifle. I’ve got boys that will be learning soon enough.
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Affordable Watches
Citizen Promaster BN0191-55L. Can be had for ~$200 if you look around. https://www.citizenwatch.com/us/en/product/BN0191-55L.html
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Anderson High senior murdered by two Murchison eighth graders
Really? What am I going to do, read it in the statesman?
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2018 Lawn and Landscape Thread
- Trivial Things That Make You Surly
Bravo Slowclap.gif- Tales from the cryptocurrency: Investors may lose $190m after 30-yo founder dies of Crohn's Disease without revealing password
It’s not BOSCO?- Anderson High senior murdered by two Murchison eighth graders
As a follow up to my comment here, my freshman class had about 500 kids in it. We graduated 215. That was a long time ago. Reagan was 8% white/other. The rest was split Hispanic and African American. I never felt unsafe. The criminals didn’t come to class. The only fights I saw were girls. We did have a freshman QB bring a gun to school (to show another kid, not to shoot anyone) but our exchange student from Bosnia did get shot (wounded, not killed) at the bus stop on Cameron road. Again, that was a long time ago. I agree with the other sentiment that in 8 years, the demographics will shift and there will be a different mix of people both racially and economically.- Anderson High senior murdered by two Murchison eighth graders
‘96. Braker & IH35. The tip of the Idaho shaped district boundary.- Anderson High senior murdered by two Murchison eighth graders
All solid advice. My only B at Reagan was art, but that teacher hated my. Otherwise straights A’s and third in my class. The problem is with the %ile that a lot of kids don’t make it through so staying top 6% gets hard because the bottom 40% drop out.- Zombieland - Double Tap
Hope it satisfies.- Anderson High senior murdered by two Murchison eighth graders
I survived the Dobie-Reagan route but not all my peers did. No way murchison Anderson is worse. What’s worse now is kids without coping skills IMO.- What Podcasts Are You Listening to?
Happy face was a waste of time. Interesting-ish story but wasteful. 11 episodes should have been 5. Repetitive to the point of being nauseating. - Trivial Things That Make You Surly
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