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UTGrad98

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Everything posted by UTGrad98

  1. While I'm currently loving the past few days, next weekends forecast just jumped up to the mid 90s which means high 90s and a heat index 10 degrees higher than that. That is outrageous!
  2. Im going to rate them even harder now
  3. Is it texas, Georgia and then everyone else? And before you ask im not sold on osu and their k state qb yet.
  4. Wow Saban would have stroked out if he were coaching tonight
  5. I'm tired of not calling it like it is. The ref spotting that ball and then the subsequent clock not running is the equivalent of the texas ok st game when the ref bumped Charlie strong and called him for unsportsmanlike.
  6. Notre dame as the #5 team in the country is laughable.
  7. Texas winning their 11am game means I'm gonna watch a fuckload of football the next 8 hours.
  8. We want Georgia!
  9. Wouldn't cutting 50 basis points cause more panic?
  10. Michigan had just the right amount of suck yesterday to not make any drastic changes for this week. It was 16-10 with 6 minutes left in the 4th at home against Fresno St and then they ended up winning 30-10. It was perfect. Reminded me of basically any non conference win we had from 2010-2022.
  11. Jesus.
  12. In 2005 we dominated our first game and then went to Ohio St in the second game of the year and beat them on our way to a national championship. We go out today and dominate and then go to Michigan for our second game of the year. Coincidence? No it's not a fucking coincidence.
  13. Dallas just doesn't want to cool down. High off by 4 degrees so far today and getting worse. I was hoping today was the day. Hopefully tomorrow
  14. Jesus WV, wtf are you doing
  15. Wtf on the WV 4th down and the review. Crazy they gave it to them.
  16. Oh just wait until our first mistake today. The over reaction will be felt around the world.
  17. Clemson qb and especially wr are sucking something fierce. Those plays are there. And some crushing penalties as well.
  18. This is one of my favorite days of the year. 13 hours of nothing but college football. What a great slate of games
  19. The randomness and timing of this thread starting is eerie as fuck. I mean seriously, how is this even possible.
  20. 103/114 in dallas right now.
  21. That was always one of the questions I had in terms of how COLA is applied. Let's assume COLA is 2% a year. Now let's assume you take your ss at 62. Is the COLA percent applied fully to the amount or does it go into that PIA formula? I'm at work so I can't post how they calculate it right now but you basically get 90% of the first $900 of your monthly total gross over your lifetime earnings then only 32% of the next $2000 monthly gross total earnings. Doesn't it make a difference WHERE the 2% COLA is applied. Is it before or after ? That would also make a huge difference as you want want to take your ss asap if the cola is applied fully after that pia calculation.
  22. I would be grateful if you could post that spreadsheet. Excel is not a strong suit of mine and I'd be afraid I'd fuck up the numbers somehow trying to input the variables and formulas. I assume cola doesn't make a difference here? It's applied the same whether or not you take the money.
  23. This is what I'm leaning towards now, taking my benefits at 62. The checks will go right into my vanguard account where I'll put into VOO or something similar. Like imma said this strategy works if you aren't going to work after turning 62 and if you don't need the money to live on. It's a small hedge against dying early as well. Plus as you age, and especially after hitting 80 you don't spend nearly as much on travel, going out etc. Seems like quite a few pros to taking it as early as possible if your situation warrants that.
  24. Yes but it takes about 19 years, if you took benefits at 62, before you recoup the loss of missing out a full year (or 8 ) of reduced benefits. And that's without investing it.
  25. Fuck this shit. 107 right now in dfw. AC hasn't stopped all day and can't keep the house temp below 77 no matter what we set it on. This better be it. The models are telling me this is it. This is the last day of shitty ass 105+ temps for the year....probably.
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