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Post by Ff2 on Sept 9, 2021 12:51:45 GMT -5
One more quick piece of advice is trying to minimize debt. once your credit is established. I've paid off three homes and my cars. We never spend what we dont have and dont pay credit card interest. In fact, my credit card points generate money to cover most of my flights. Probably saved over a million in interest over the course of my marriage. Not always easy, but well worth it. Absolutely. I also hear horror stories about people in 50's taking our 2nd/3rd mortgages etc., falling further and further into a hole. There is "good debt" (as long as you know how you're going to pay it off.) But for the most part it's such a trap. Also, I just read the average car lease payment is $460 per month. Are people really spending that? Am I old and out of the loop or is that ridiculous? Old man shakes cane. |
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Post by Ff2 on Sept 9, 2021 10:38:28 GMT -5
I knew from the time I was 20 that I wasn’t working until 65. And I prepared as best I could. It wasn’t anything too crazy either - I was lucky and did make a great salary for a number of years, but I didn’t overextend myself. Trust me - I spent a lot too, but saved a lot as well. I didn’t skimp at all, but I bought a jet ski instead of a boat, an Audi instead of a Maserati, an affordable condo instead of an overpriced crazy expensive one. Again, I did spend an inordinate amount of money - mostly on entertainment and having fun. Going out, dinners, drinks, vacation, travel, etc., but nothing that caused me to have crippling debt. After years of saving/investing, the agency I worked for was sold to a British firm (for peanuts) and I took a buyout. It actually wasn’t that much and alone wasn’t nearly enough to retire on, but I was ready to call it quits. It was definitely the right decision and I’m so happy I was able to do it. I haven’t been bored for a second and do not miss working. Although Ive done a few consulting projects here and there since I left, but it’s not something I’m pursuing that much. Reaching retirement (early or late) is a pretty much a mathematical formula - while working, try to lower your expenses and increase savings and invest it in the market. Once your have a large enough nest egg (that’s in a diversified investment portfolio - stocks, bonds, cash), you can use 4% of that a year and it will last for 40 years (regardless of market conditions). For example, if you have a nest egg of 1,000,000 and your expenses are 40,000 a year, you can retire. If expenses are 80,000 a year, you’ll need a 2 million nest egg, etc etc. It’s a little more complicated, but that’s pretty much it. If you’re really interested in retiring early, although now it’s more “financial independence retire early” (FIRE) now, there’s a lot of resources on the internet. I recommend early-retirement.org and Mr.moneymustache.com Good luck! This is good advice. I tried to put about 15% annually of my earnings into the market at a young age, boring S&P 500 Index Funds for the most part. Put it in and forget it. I hardly looked at quarterly printed statements. I didn't spend a ton but never felt I was missing anything. Two other thoughts: Have fun, spend money on important things like family experiences, you'll never regret that, its whats money if FOR. And HEALTH IS WEALTH: nothing will matter if you're old and can barely move. Investing in your health is just as important. Maybe ever more so. Pick up a lifetime sport like tennis and start yoga NOW. Trust me. |
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Post by Ff2 on Sept 8, 2021 16:23:07 GMT -5
Jets 17
Panthers 27
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Post by Ff2 on Sept 8, 2021 10:49:44 GMT -5
I know everyone does it but there should be some rule around this. You're gaining an advantage not through film study or work. It's just a dude giving you the answers. He feels like a bitch giving info againt dudes who were his brothers 2 days before, and knows the new team doesn't give 2 shits about him. Dunno, kinda lame aspect of the business. He knows the new team gives him more of a shit about him than the old team.  I think as fans we overestimate how players feel about teams/teammates. It's a brutal business and if they can squeeze another paycheck out of it before going to sell insurance for the next 35 years they will. Or maybe they're still hanging on to the dream. |
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Post by Ff2 on Sept 8, 2021 8:56:37 GMT -5
What's this thread about? First game is Thursday. Sign up!!! |
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Post by Ff2 on Sept 8, 2021 8:55:31 GMT -5
I was pre law for six weeks. That just seems like good lawyering to me.
Due diligence and such.
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Post by Ff2 on Sept 6, 2021 19:46:20 GMT -5
Wow, that’s fucked up.
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Post by Ff2 on Sept 3, 2021 14:54:52 GMT -5
How far will you be sitting from the Covid?
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Post by Ff2 on Sept 3, 2021 11:39:27 GMT -5
i'm in...all signed up...whats the next step?... Send noodz |
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Post by Ff2 on Sept 3, 2021 8:37:05 GMT -5
Don’t forget to sign up!
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Post by Ff2 on Sept 3, 2021 8:29:38 GMT -5
I got Moderna. No side effects. Mrs. FF2 got J&J. Same.
Daughter is vaxxed but got Covid. She is a first time mom…so was flipping out over little one possibly getting it but he was neg. same with her husband. I Went to a packed NYC bar dueling piano show last week and Dead & Co. show tonight. I probably shouldn’t but I’m bored as fuck.
Hope everyone stays healthy
I love you guys.
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Post by Ff2 on Sept 3, 2021 8:21:58 GMT -5
just looking to get out of the house and see people, and also because mrs. shakin works from home now for another 5 years and my sitting and breathing is apparently raucously interruptive to her endless conference calls Welcome to my life. I avoid my wife like the little rascals running from the giant but I still end up annoying her. Thinking about picking something up too, just to get the fuck out of her way. When she commuted I was king of the castle, got things done, but by my own pace, had WFAN blasting, sports channels on the TV. Now I feel like I'm under a microscope, I have to hide with a little radio.... Now I'm starting to understand the 70 year olds I see re-stocking shelves in super markets. I had a good run too while she was working. Now that she’s retired I get little snide remarks about my daily activities (or lack thereof). This is pretty much why I started this thread. I need something to do. |
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Post by Ff2 on Sept 1, 2021 11:37:20 GMT -5
Yes, same way I heard parents of dead soldiers under Trump, Obama, Bush (2), Clinton, Carter, Reagan Nixon, Kennedy... Old white guys make decisions that end up killing young men. Is this news? I have a family member in the service right now. Because of his role Im not allowed to know the he is. I worry for him everyday. We had over 7,000 killed there under different administrations. Of course its a fuck-up. No ones disputing that. But this is what happens when you start with a bad decision to go in, then stay 20 years. Every President says they are against forever war, but only Biden had the guts to end the longest war in American history. We needed to go into Afghanistan because they were complicit in the worst terrorist attack on American soil. And yes soldiers were always going to die, that's what happens when you go to war. I'm talking about Bidens absolute clusterfuck on how he ended the war, leaving civilians and allies whilst he led the military out first only to have to send even more back. Those soldiers should have never died, nor should all of the Afghanis and that is squarely on Bidens shoulders and the reason why the families of the soldiers who were killed are ripping Biden a new one. Not too mention making the Taliban one of the worlds largest armies with all of our equipment. He should be impeached for his actions and now we have a new rasmussen poll that 52% of Americans want him to resign over his absolute failure on how we finally got out. Just wait until the footage starts coming in about all of the people he left behind....it's only going to get worse. We went in supposedly because the Taliban wouldn't help us get Al Qaeda's Osama bin Laden. Obama finally got him, yet there we stayed. Trump to his credit called for withdrawl. Biden continued it and we know the rest. Polls indicated the majority of America wanted Trump removed from office during impeachment. Thankfully polls don't remove presidents. Also, if you're down with President Harris have fun with that. |
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Post by Ff2 on Sept 1, 2021 11:21:31 GMT -5
Given the alternative, yes. Complicit with the swamp. Verses bringing in you own incompetent swamp. |
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Post by Ff2 on Sept 1, 2021 11:13:08 GMT -5
Why do you say Im against change course? I've said over and over we need to change. Because you seem quite happy with a 50 year career politician as president. Given the alternative, yes. |
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