Dbeasy

I think this whole approach is very cool. Different. They are setting a new standard imo.

Importance to Texas? Why would that change his ranking? I’m confused.

Good call

I’m independent too. The Cloak room can be extremely frustrating. Far left and far right posters often get dug in on their positions and will never look at things objectively. Many posters anre often wrong annd just never admit it. And as I said earlier I know you to not be an idiot. However, maybe you need to look in the mirror and ask yourself why you believe she is a terrible candidate. Because all of the facts available indicate she absolutely is not a terrible candidate on the same level as Trump, which is what your initial post stated. Instead of blaming cloak room people, which sometimes is a legitimate excuse, in this case the only person you should be blaming is yourself for having a flawed perception.

There sure are a lot of photos that don’t show up on mobile lately.

Incredible. She’s been dead for 25 years.

Ah, well then, that probably explains it. As a side note unrelated to this, I know a lot of people that spend a lot of time with rural folks, because of their career. They tend to be more Trumpers because of it. A lot of people’s views are shaped by the company they keep, not their own critical thinking.

This thread is moving too fast to keep up. Everyone needs to take a breath.

@Handcruser you need to read and re-read immamac’s post. If I recall, you work in the tech industry in a tech role, so that means you’ve got some brains. And if you have some brains, then your view of a candidate ought to be based on correct and fair information. You can’t blame stupidity. There are things I don’t like about Harris, including her positions on certain issues. But to say she’s a terrible candidate is ridiculous. She’s been an AG of one of the most important states in the country. She been a senator. She’s been VP. She has a law degree. How can you possibly say she’s not smart? How can you say she’s not Presidential? There is no basis for that viewpoint. To lump her with Trump as two “bad candidates” is like saying Einstein (Harris) is the same as a baboon (Trump). It’s insane.

Also just be aware that a lot of those simulators assume 9-11% returns on stocks with a 2.25% inflation rate. We probably won’t see that over the next ten years. The latest capital market assumptions from various financial firms is more in the 6-8% range because of how elevated stocks prices are right now.

If y’all are really healthy like a few of our friends, that works well. If you have a lot of issues that come up, you can end up spending $20-40k on healthcare per year depending on the plans and the issues. We did the same. Wife teaches in Round Rock. We don’t want to be on ACA because we need specific special doctors.

What are you assuming for healthcare until Medicare? That can produce dramatically different requirements. We don’t spend a lot. We’ve always been low key, but our health care premiums and expenses are insanely high. As you get older shit happens.

If you aren’t already familiar with Monte Carlo simulations, you need to read up on them. It basically shows that without some bond allocations you run a higher risk of running out of money in retirement, if you are withdrawing a significant amount every year (2-4%+) to live on. That’s where the 60:40 model originated from. You aren’t at retirement, so you don’t need to be that heavy on bonds yet, but you should have some and grow it over time. If you elect to not have bonds, it could still end up very successful, but you would have to hope the market returns, especially early in retirement, aren’t particular poor historically. You will also have to be able to live with some nail biting drops in retirement account value, 50% for example. If you have a pension that covers all your living expenses in retirement, the need for bonds becomes much lower. The decision you have ahead of you is very very important. It took me over two years to find the strategy I was comfortable with.

As I posted in the old man thread, I’m a heavy researcher and I now know a lot about prostate cancer, BPH and treatments, and enlarged prostates. Feel free to DM me with questions or post here. When I first got diagnosed, I was fortunate to have a good friend who is friends with one of the country’s foremost experts in prostate cancer. I learned a lot of eye opening things from going down that path.

Still not one substantive reason why you don’t like her. And by the way, I’m not a Democrat. It ain’t my party. She has a tremendous record of achievement including Vice President. For you to say the things you are saying with no substantive rationale is peculiar.

Setting Trump aside, the issue is that your reasons for disliking her are either flat wrong or subjective drivel. You look like a clown. I was expecting some thoughtful response on why you don’t like her.

It wasn’t a comment about Texas, just in general both schools are recruiting very well this year.

Damn LSU and Oregon are kicking ass

Because I can get insanely focused on figuring out certain things that interest me, I’m now pretty darn knowledgeable about the old man issues of enlarged prostates, BPH, and prostate cancer. If anyone else is trying to figure it all out and has questions, feel free to DM me. Be happy to help however I can.

Man I love Pete. He is the best communicator in all of politics right now.

As a white, “last year of the baby boom” boomer, who held senior exec business roles, I’m furious at the boomers and business executives in this country who just don’t understand what you’ve written. The data is all there. For me, it all became obvious when I realized my kids couldn’t afford a car because the price had gone up 12x from when I bought my first car, but the hourly wage they made in their part time job was the SAME as what I made at that age. From that point on, I was no longer blind to the challenges of the generations after me.

If he watches Fox he’s an idiot. The entire channel is nothing but propaganda on the level of what North Korea pumps out. The fact he doesn’t know that is frightening because I seem to recall your FIL is in some position of authority.

I was at an incredible low a week ago. Trump’s espionage case was dropped. And I still had enormous frustration over the Democrats not effectively using the pounds of material available on Trump to destroy him via effective messaging. Those who know that I dip into cloak room periodically also know I’ve been complaining about Democrat messaging for a few years now. I can’t help it. It’s my marketing background and it’s made me miserable. But suddenly, today, we are finally starting to hear some of that material. For Christ’s sake his entire cabinet said he’s unfit for office. Use that data!!!!! I’m really starting to get fired up that we may not have to face the dystopian future that was before us only three days ago. I am really jazzed.

There’s no doubt this will happen

Yes I mistyped Islay. I meant to type Skye with Portree. on Oban, yes it’s doesn’t seem like there is much there but it is a nice central location to see Iona, and some sites East before we head down to Islay. If you’ve got a suggestion for a better location to be based between Skye and Islay, that would be great.