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blacklab

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Everything posted by blacklab

  1. 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.
  2. 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.
  3. 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
  4. Ask nicely and they'll give you a whole can.
  5. Not a very well named lake
  6. painting? let me figure out what spot will be most in the way
  7. 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
  8. 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.
  9. blacklab

    overlanding

    Yes! That truck is bad ass. Late 70’s?
  10. Max acting like a baby on the radio to the point the engineer basically told him to shut up
  11. 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/
  12. 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/
  13. 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.
  14. 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.
  15. 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.
  16. FJ towing capacity vs jeep towing capacity
  17. 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.
  18. I haven't deleted a post in this thread
  19. there's a board to discuss moderation, this thread is not the place
  20. Very similar to the OP, mid 50's waiting for youngest to get out of school and this is where we are thinking about
  21. pretty sure the 1982 games were on the spanish station in Dallas at the time as I remember watching them at a friend's house. His mom was from Chile and his dad from Canada and he lived all over south america before moving to Arlington. Went to the USA/Brazil game at Stanford stadium in 94. Fucking dirty ass Brazil took out our best player, got a red card and still won.
  22. haha, holy shit you're right, need my wife to check there
  23. Not my wife but someone's wife Took my kids and some of their friends out on boat today. I was taking one of them home, driving the FJ and towing the boat. Right before you get to their house you go through a cul de sac that has a road that comes from the right that has a stop sign. Lady driving a minivan blows through the stop sign and I have to lock it up while towing 5000 pounds so I lay on the horn. She stops and rolls down her window and starts screaming at me "do you even live here, what are you doing here?" I tell her nicely that I'm dropping my kids friends off and point to their house. She says "well, it's tradition that people coming from that way go over on the wrong side of the street so people coming from..." I cut her off "You have a stop sign, I do not. I have the right of way" her: "you are wrong" me "You have a stop sign, I do not, I have the right of way" She sits there with her mouth open, starts talking about three times then finally starts to drive off when my kids friends mom comes up. Crazy lady waves her down and complains about me and my not following tradition of the cul de sac and how it's supposed to flow. Mom just nods at her. Mom then drives up to me and I say "Hey, I'm not sure if you're aware but I'm making friends with your neighbors!" She laughs and says yeah, some of her neighbors are idiots and if they think that's the way it should be then they need the county to put a stop sign there. She then whispers so the kids don't hear, "Also she's an alcoholic and drunk as a skunk and shouldn't be driving right now" We both laugh pretty hard, my kids pester me the whole way home, "what were you and Mrs. X laughing about?"
  24. At a table in the big o and seat 1 is a dealer, so I ask him and the dealer what happened. They both go silent. I ask if they don’t want to talk about it or they aren’t supposed to talk about it. Dealer in a stern monotone says “I do not want to talk about it”, very much implying he was involved in some way so I dropped it.
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