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Larry T. Spider

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Larry T. Spider last won the day on December 26 2019

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  1. Not going to bother with a new thread. Still hanging in there at 42% as we enter the months with the best chance for rain before the extended hellscape summer. Some major housing developments south of Austin have been put on hold due to water concerns.
  2. I don’t see a lot of traders wanting to hold through the weekend. I’m expecting a big slide in the last hour. Which means stonks to the moon, of course.
  3. As the wise man Ice Cube once said: “if you’re scared, go to church” Full speed ahead! Loading up and will be looking to add some tech index funds soon. I’ve got time on my side.
  4. I’m not a financial professional in any way but based on your age and statement that you don’t have nearly enough saved, you might not be as bad off as you think. I think you are young enough to still make a difference it the quality of retirement you are hoping for. Staying the course with consistent investing should have you well ahead over the next 15 years. If the market does take a big dip over the next year, buying at a discount could be the best thing for your financial future. Of course that all depends on your individual situation and the amount you have to plow into the market each month. I’ll let the pros chime in with their take.
  5. @RabidM If you don’t mind sharing how old you are, or a general range, it might help some of our knowledgeable posters help you out a bit more.
  6. Been slow and steady in Round Rock. Much needed.
  7. It’s not an option for my wife, but it might be for me. I need to see if my company’s plan allows it. This will be the first year that it’s mattered.
  8. I made a similar post a while back but have some more concrete numbers to work with now that my wife got a raise. We are early 40s DINKs that have a household income about 3.5x higher than 5 years ago but basically the same expenses. This is leaving us with about 5k a month to figure out how to invest. This is after tax advantaged accounts maxed, a healthy emergency fund, and enough to pay for the next car in cash. I also have 15 years paid into TRS, which will pay me about 2k/month when I’m in my late 60s. These are the options I see but would love others opinions: 1. Brokerage account - dollar cost averaging. Don’t have much in this account because we weren’t making enough to fund anything beyond retirement accounts until very recently. I was a poor teacher for 10 years and my wife wasn’t making much. 2. Pay extra towards current rental property. Owe 130k at 7%. Somewhat recent purchase. House pays for itself plus a little currently. 3. Save for another rental. Currently have about 35k put away for that. 4. Pay extra on our own mortgage. Owe 130k at around 3%. House is probably worth 600k. 5. Hookers and blow. Additional info. I’m in sales and get a few commission checks a year. Anywhere from 10k to 100k, but usually on the lower end of that range. Need to start planning for that as well.
  9. Truth. I have been hearing about more people moving there but hadn’t seen data supporting it as a trend until now. Great bang for your buck if you can deal with the cold. I personally love Chi.
  10. And now the PE douchebags that own my company will have to pay more. The circle of (business) life.
  11. I fly a lot for work but it’s split between so many airlines I don’t have much status on any one carrier. I go to a lot of random places across the country and usually don’t have a ton of options. However, I almost always went with SWA when going to a conference and needed to check two bags. Guess it doesn’t matter now. Don’t really care about a free Diet Coke but noticed the last 4 flights I had been on they cancelled drink service for “turbulence”. Pretty sure the PE guys figured out another way to save money.
  12. I personally liked Madrid better than Barcelona. Better interactions with the locals and I loved wandering through the narrow streets. We stayed in La Latina and would hit up a local tapas place or bar each day. The people were amazingly friendly even if they didn’t speak much English. The touristy areas of Barcelona were fun but it was pretty obvious that outsiders weren’t welcome in many of the neighborhoods. Not blaming the locals, just lessened the experience for me. For hanging out at the beach and eating paella, we preferred Valencia. Some beautiful architecture there as well.
  13. Didn’t expect the murder to happen 200 yards from me…..
  14. I have murdered 9 beers so far today at the baseball game. Guilty as charged.
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