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blacklab

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Everything posted by blacklab

  1. Yeah, I'm figuring an average of 7% on stocks. Thanks for mentioning the health care, I did a quick budget and forgot all about that. I did half jokingly gave my boss a 4 year notice a few months ago. She knows I'm the only one that knows how a lot of things work and was a little freaked out and immediately said, "but you could do part time like 10 hours a week when we need you right?" and I said yes, if you keep me on the health plan, and she said that would not be a problem, so I've got that going for me, which is nice.
  2. Wife is a part time/sub teacher, she was planning on getting a full time job for a few years during the gap for the insurance. If that doesn't work getting a high deductible plan of some sort.
  3. Went through 4 different simulators and all 4 said I was 100% likely to be successful. I'm probably in a different position than most. My wife and I are pretty low maintenance. If I take my kids out of my current expenses and get the house paid off I think we could live very comfortably on $50k a year. If we can do that I could just put all of my money in a savings account earning 4% and it would go up not down as we got older.
  4. Thanks for the feedback. If it does go down 20% and averages 5% back out now you're only getting 4% of your original money. After I retire I am going to be selling off a small percentage every year so the price will matter. I'll probably just leave the 5% or so in bonds and just let my kids deal with it once I'm dead and don't care.
  5. Would love to hear other's opinions on bonds but I'm 100% against them and plan on keeping everything in stocks and two years of living expenses in liquid form. I'm mid 50's and planning on retiring in 4 years. The reason I'm anti bond is they can go down in value just like stocks. Here's a bond fund I inherited a while back. It's lost ~20% of it's value over the last 4 years. Yes it spits out dividends, but if I needed to sell I'd be down a bunch right now. The whole sales pitch on bonds is while only a 1-5% return you won't lose value. Well that's not true at all. I'd rather average 7% and take the lumps of the ups and downs of the stock market. I do plan on keeping 2+ years of expenses in cash/liquid, and slowly dribble out money each month to keep it flush. If the market tanks I'll just stop withdraws for a few months till it gets back to a more normal level. With the house and car paid off and the kids out of the house I really don't see us spending much more than SS is bringing in and hope the interest on the cash will cover most things. My uncle that I inherited this bond fund from used this plan, and had the same amount in his Vanguard account when he died 2 years ago that was in it when he retired 20 years ago. Around 5% of his money was in bonds, the rest was in stocks, mainly s&p 500 funds.
  6. Just got my ou tickets, ended up getting in 117. Last couple of years I've been around the 10 yard line. Only end zone left
  7. Ask nicely and they'll give you a whole can.
  8. Not a very well named lake
  9. painting? let me figure out what spot will be most in the way
  10. So where do you come down on the "cheating"? I thought it was kinda fucked up how he was going over and looking at a laptop every chance he got, was pretty sure you weren't able to do that. Rather than post a ton of tweets, Polk covers most of them here
  11. Scipio's annual book is out. Good dude and sponsor of Surly as part of Mortgage Provider Market Advantage Buy it here: Smashwords (compatible with any device, select epub for Apple, Kindle) Apple Amazon (print) The most comprehensive Texas Longhorn and SEC football preview features: In depth breakdowns of the entire Texas Longhorn roster. Every player, every position, every unit An entertaining, analytical breakdown of every season opponent. With additional profiles of 7 SEC teams Conference and season predictions Why the SEC move was the best for Texas and why only two conferences control college football A comprehensive analysis of the 2024 Texas recruiting class by special guest contributor Eric Nahlin Over 55,000 words of Texas and SEC focused content. And more... Written for the passionate, smart fan who wants more than recycled corporate media content. Find out why it's called The Burnt Orange Bible. Be the smartest fan in the room and start Thinking Texas Football today.
  12. blacklab

    overlanding

    Yes! That truck is bad ass. Late 70’s?
  13. Max acting like a baby on the radio to the point the engineer basically told him to shut up
  14. blacklab

    overlanding

    I think I did link it. That was a great story. Ran into it when researching this trip. Joined the forum so I could post then saw the post and thought, this seems familiar. https://forum.expeditionportal.com/threads/democratic-republic-of-congo-lubumbashi-to-kinshasa.50799/
  15. hasn't changed. have to move it all out within 10 years with a minimum each year here's a calculator to tell you the minimum each year. https://inherited-rmd-calculator.web.vanguard.com/
  16. Thank god we don't use Crowdstrike. Was woken up this morning by a text from our CTO asking if we use it anywhere. Wondered WTF is he asking that for. Maybe 10% of our staff is on windows, and the only things at AWS on windows are used as remote desktop for large processing by some worker bees. Only reason I kinda knew what crowdstrike is due to looking it up when I saw them as a sponsor of Mercedes F1 and wondered what it was. Less than a month ago I was talking to our dropbox rep and I told him McLaren team was never going to win shit because they have to use dropbox to share files and dropbox is shit.
  17. blacklab

    overlanding

    It was a great trip. I got the route here: https://www.overlandtrailguides.com/post/guadalupe-mountains-adventure-trail Some jackass named blacklab has a comment on that page about the route. Follow the green in the posted map and pretty much any 4x4 can make the trip. I used gaia gps with the map downloaded from there and it worked great. Can't wait till I retire, going to hit up every one of the trails on that website in and west of the rockies. Really want to do the pony express trail. Dirt roads from Salt Lake to Tahoe across Nevada.
  18. There's a thread in CR if you want to discuss hypotheticals around elections and what president elects and congress will or won't do.
  19. FJ towing capacity vs jeep towing capacity
  20. I've actually talked about that with my wife. Spend a month in LA, SF, Seattle, Chicago, NYC, Boston, DC, etc... Rent an airbnb for a few days, if it's good offer the owner a set price for the month, go visit every museum, nice restaurant and attraction in the city. I have a cousin who did something similar when she was in her mid 20's. She and her husband lived like hermits for a couple of years, saved up a ton of money, bought an RV and over a year and a half made a big loop across the US, mainly looking for where to move to. They ended up settling in Bend, Oregon.
  21. I haven't deleted a post in this thread
  22. there's a board to discuss moderation, this thread is not the place
  23. Very similar to the OP, mid 50's waiting for youngest to get out of school and this is where we are thinking about
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