Quantcast

***Greeting Card Industry Support Day, GMT***

Discussion in 'The Lounge' started by Pesqueeb, Feb 14, 2018 at 6:41 AM.

  1. Toshi

    Toshi Harbinger of Doom

    Rep/Likes:
    162 / 1,019
    Joined:
    Oct 23, 2001
    Messages:
    22,436
    Golden Eagle has been my favorite thus far. Not a huge fan of the mountain’s layout otherwise. Didn’t help that I started on Screech Owl and my back was killing me in the bumps.
     

    Please register to disable this ad.

  2. SkaredShtles

    SkaredShtles I love NEWCASTLE and will ONLY drink NEWCASTLE!!!!

    Rep/Likes:
    204 / 1,205
    Joined:
    Sep 21, 2003
    Messages:
    43,368
    Location:
    In a van.... down by the river
    Yeah - and I'm still a "young adult"... :disgust1:
     
  3. I Are Baboon

    I Are Baboon Run, Forrest, Run!

    Rep/Likes:
    146 / 1,021
    Joined:
    Aug 6, 2001
    Messages:
    28,619
    Location:
    MTB New England
    Happy Valentine's Day, my little ridemonkey sweethearts! <3 <3 :cupidarrow: xoxoxo

    For the record, that little greeting right there was more than I got the wife. So you're welcome, you ingrates.
     
    • Like Like x 1
    • Horns Horns x 1
  4. KenW449

    KenW449 something stupid

    Rep/Likes:
    12 / 91
    Joined:
    Jun 13, 2017
    Messages:
    848
    Location:
    IDK, I dont have a GPS
    Stay single, never have to worry about forgetting! Saves the wallet too.
     
    • Like Like x 1
  5. rockofullr

    rockofullr confused

    Rep/Likes:
    76 / 324
    Joined:
    Jun 11, 2009
    Messages:
    5,962
    Location:
    East Bay, Cali
    • Funny Funny x 1
    • Useful Useful x 1
  6. Sandwich

    Sandwich just shake your rump
    Staff Member

    Rep/Likes:
    52 / 511
    Joined:
    May 23, 2002
    Messages:
    14,675
    Location:
    01776
    had second thoughts today about leaving work, then realized they're giving another guy the spot I was hoping for and that I won't get yelled at when the things I'm working don't work (because science). Then those thoughts went away and I got happy.
     
    • Like Like x 1
  7. stoney

    stoney Part of the unwashed, middle-American horde

    Rep/Likes:
    100 / 748
    Joined:
    Jul 26, 2006
    Messages:
    11,820
    Location:
    Colorado
    Baby is sick. Planning on getting rest of house carpet replaced, need to get to HD when she is feeling better. Annual review with boss to be handled over phone today. Plan to get switched over to Google Fi is in place, just need to buy out Sprint contract and tell MIL. Appt scheduled with BMW for later today to get to do list items corrected. Once fixed M is going up for sale. Decision is made.
     
  8. jonKranked

    jonKranked Press Button, Receive Stupid

    Rep/Likes:
    319 / 2,524
    Joined:
    Nov 10, 2005
    Messages:
    48,286
    Location:
    media blackout
    ///Sad ///Monocle
     
  9. rockofullr

    rockofullr confused

    Rep/Likes:
    76 / 324
    Joined:
    Jun 11, 2009
    Messages:
    5,962
    Location:
    East Bay, Cali
    • Funny Funny x 1
  10. johnbryanpeters

    Rep/Likes:
    209 / 1,829
    Joined:
    Sep 27, 2001
    Messages:
    22,537
    Location:
    Making moss sad in New Haven, Vermont
  11. jonKranked

    jonKranked Press Button, Receive Stupid

    Rep/Likes:
    319 / 2,524
    Joined:
    Nov 10, 2005
    Messages:
    48,286
    Location:
    media blackout
  12. roflbox

    roflbox Turbo Monkey

    Rep/Likes:
    22 / 261
    Joined:
    Jan 23, 2017
    Messages:
    1,013
    Location:
    Raleigh, NC
    :tinfoil:
     
  13. canadmos

    canadmos Mater Slayer

    Rep/Likes:
    179 / 2,637
    Joined:
    May 29, 2011
    Messages:
    6,567
    Location:
    Canaderp
    Somebody ban this guy. He's got a screw loose.
     
    • Funny Funny x 1
  14. jonKranked

    jonKranked Press Button, Receive Stupid

    Rep/Likes:
    319 / 2,524
    Joined:
    Nov 10, 2005
    Messages:
    48,286
    Location:
    media blackout
    the ///M probably has a number of screws loose.
     
  15. stoney

    stoney Part of the unwashed, middle-American horde

    Rep/Likes:
    100 / 748
    Joined:
    Jul 26, 2006
    Messages:
    11,820
    Location:
    Colorado
    The shitty thing about my jerb it that I see the end results of not doing things "right" now and how it boils down later. Makes it really hard to turn a blind eye and just say 'fuck it, I'm having fun'.

    Talked to a couple the other day in their early 60's with a $250k income who were blindsided when I told them that their leveraged ($150k CC debt), 15 years left on mtge, and income "need" of $275k wasn't going to happen with their $1mm savings if they wanted to retire before 70 (and even then that was questionable). The wife started crying and husband started yelling at me. It's like, do the math. It doesn't add up. You need to be looking at around 10x your current income level in the form of investments/cash to maintain in retirement (general rule of thumb) and that's not factoring pensions or SS.
     
  16. johnbryanpeters

    Rep/Likes:
    209 / 1,829
    Joined:
    Sep 27, 2001
    Messages:
    22,537
    Location:
    Making moss sad in New Haven, Vermont
    $150K credit card debt...
     
  17. Sandwich

    Sandwich just shake your rump
    Staff Member

    Rep/Likes:
    52 / 511
    Joined:
    May 23, 2002
    Messages:
    14,675
    Location:
    01776
    Are you a financial adviser? We just hired one out here. Anybody who carries 150k credit card debt shouldn't be surprised by anything.
     
    • Useful Useful x 1
  18. TN

    TN Hey baby, want a hot dog?

    Rep/Likes:
    68 / 446
    Joined:
    Jul 9, 2002
    Messages:
    11,377
    Location:
    Sunshine Canyon
    • Like Like x 1
  19. jonKranked

    jonKranked Press Button, Receive Stupid

    Rep/Likes:
    319 / 2,524
    Joined:
    Nov 10, 2005
    Messages:
    48,286
    Location:
    media blackout
    KILL LIST.
     
  20. SkaredShtles

    SkaredShtles I love NEWCASTLE and will ONLY drink NEWCASTLE!!!!

    Rep/Likes:
    204 / 1,205
    Joined:
    Sep 21, 2003
    Messages:
    43,368
    Location:
    In a van.... down by the river
    How in the actual FUCK does this happen?
     
  21. jonKranked

    jonKranked Press Button, Receive Stupid

    Rep/Likes:
    319 / 2,524
    Joined:
    Nov 10, 2005
    Messages:
    48,286
    Location:
    media blackout
    are you new here?
     
  22. jonKranked

    jonKranked Press Button, Receive Stupid

    Rep/Likes:
    319 / 2,524
    Joined:
    Nov 10, 2005
    Messages:
    48,286
    Location:
    media blackout
    apparently there are coke dealers and hookers who accept CC's
     
  23. StiHacka

    StiHacka Compensating for something

    Rep/Likes:
    267 / 2,314
    Joined:
    Jan 4, 2013
    Messages:
    7,984
    Location:
    i͓̽t͓̽ i͓̽s͓̽ fu͓̽l͓̽l͓̽ o͓̽f s͓̽t͓̽a͓̽r͓̽s͓̽
    At an airport. :disgust: won't make it past airports and airplanes until 6 hours later. :twitch:
     
  24. Full Trucker

    Full Trucker Frikkin newb!!!

    Rep/Likes:
    84 / 721
    Joined:
    Feb 26, 2003
    Messages:
    4,354
    Location:
    [303]
    Royal Elk Glade. Stone Creek Chutes. Probably not enough snow in either, but damn.

    :rofl:
     
    • Funny Funny x 1
  25. Sandwich

    Sandwich just shake your rump
    Staff Member

    Rep/Likes:
    52 / 511
    Joined:
    May 23, 2002
    Messages:
    14,675
    Location:
    01776
    i pop in and out of the RM drama. Mostly stick to the DH forum getting yelled at by you and @Udi. Trying out the whole "participate in classroom discussion thing". Helps me to feel a bit more confident about bailing/life choices.
     
  26. stoney

    stoney Part of the unwashed, middle-American horde

    Rep/Likes:
    100 / 748
    Joined:
    Jul 26, 2006
    Messages:
    11,820
    Location:
    Colorado
    What ^^ said. I believe IAB titled me Financomonkey at one point.

    And not technically, primarily because I don't run my own book. I work on a larger scale (albeit for individuals through their employers) in a non-commission structure, more between FA and Financial Planner. The SEC defines me as an Investment Advisor and I have the appropriate FINRA licenses to be an FA though (again because of commission structure).

    Huge income, high home equity, etc. Technically Wifey and I are approved for that between the 5 major cards we carry, but we never carry balance so it's moot.
     
  27. SkaredShtles

    SkaredShtles I love NEWCASTLE and will ONLY drink NEWCASTLE!!!!

    Rep/Likes:
    204 / 1,205
    Joined:
    Sep 21, 2003
    Messages:
    43,368
    Location:
    In a van.... down by the river
    I just am trying to grok what in the FUCK you would need to buy to run up CC debt that high? WHAT THE FUCK ARE THEY BUYING?!?

    It boggles the mind.

    Starting to think retiring at 55 with the house paid off and a couple mil in the bank might be feasible. :homer:
     
  28. stoney

    stoney Part of the unwashed, middle-American horde

    Rep/Likes:
    100 / 748
    Joined:
    Jul 26, 2006
    Messages:
    11,820
    Location:
    Colorado
    Higher burn rate than income rate. Have you met the Jones'? Have you decided that you should pay 100% for your 4 kids' college? That you need to lease a new Mercedes SUV every 3 years?

    A book everybody here should read.

    https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474
     
  29. johnbryanpeters

    Rep/Likes:
    209 / 1,829
    Joined:
    Sep 27, 2001
    Messages:
    22,537
    Location:
    Making moss sad in New Haven, Vermont
    That's six hours minimum...

    Also would be interesting to see their monthly interest payments...
     
  30. roflbox

    roflbox Turbo Monkey

    Rep/Likes:
    22 / 261
    Joined:
    Jan 23, 2017
    Messages:
    1,013
    Location:
    Raleigh, NC
    Good news is that my FscAAS business can produce structures for very reasonable prices
     
  31. stevew

    stevew unique white person

    Rep/Likes:
    221 / 1,972
    Joined:
    Sep 21, 2001
    Messages:
    29,950
    i did some olympic curling with the AM constitutional....finally at 100 percent from stomach bug...
     
    • Like Like x 1
  32. jonKranked

    jonKranked Press Button, Receive Stupid

    Rep/Likes:
    319 / 2,524
    Joined:
    Nov 10, 2005
    Messages:
    48,286
    Location:
    media blackout
    tl;dr - don't spend money on stupid shit. you can't tell most people that are rich just by looking at them.
     
    • Winner Winner x 1
    • Useful Useful x 1
  33. stoney

    stoney Part of the unwashed, middle-American horde

    Rep/Likes:
    100 / 748
    Joined:
    Jul 26, 2006
    Messages:
    11,820
    Location:
    Colorado
    I didn't ask, as I just need net income need for my calculations. It was over half of their take home though. I actually figured that it made more sense to stop saving and pay down, while cutting their spending by 30%. That was the only way they could retire by 70. That was part of the crying and yelling. Husband did a really bad job of planning on his own. Machismo gets you nowhere when you have no fucking idea what you are doing.
     
  34. stoney

    stoney Part of the unwashed, middle-American horde

    Rep/Likes:
    100 / 748
    Joined:
    Jul 26, 2006
    Messages:
    11,820
    Location:
    Colorado
    Still drills the point through. The Honda Accord driving guy who uses coupons, buys used stuff (not cars often times), and brings lunch from home is probably saving the $4/day difference in lunch expense. With 242 work days (less 4 weeks vacation), that's almost $1k/y. That's $2k/y for the house. It adds up if that's only one example.
     
  35. jonKranked

    jonKranked Press Button, Receive Stupid

    Rep/Likes:
    319 / 2,524
    Joined:
    Nov 10, 2005
    Messages:
    48,286
    Location:
    media blackout
    so how does the ///M fit into that equation on your part?

    :busted:
     
    • Funny Funny x 1
  36. roflbox

    roflbox Turbo Monkey

    Rep/Likes:
    22 / 261
    Joined:
    Jan 23, 2017
    Messages:
    1,013
    Location:
    Raleigh, NC
    thinking about retirement
    *panics internally*
     
  37. Nick

    Nick My name is Nick

    Rep/Likes:
    242 / 1,708
    Joined:
    Sep 21, 2001
    Messages:
    11,651
    Location:
    behind you, don't wait up.
    we should have a financemonkey thread....
     
  38. DirtyMike

    DirtyMike Turbo Fluffer

    Rep/Likes:
    50 / 426
    Joined:
    Aug 8, 2005
    Messages:
    13,475
    Location:
    My own world inside my head
    Screw Valentine's day..... I went shootting instead
     
  39. SkaredShtles

    SkaredShtles I love NEWCASTLE and will ONLY drink NEWCASTLE!!!!

    Rep/Likes:
    204 / 1,205
    Joined:
    Sep 21, 2003
    Messages:
    43,368
    Location:
    In a van.... down by the river
    Srsly. I'm fucking ready for retirement NOW. Prolly gotta get the kids independent before I go that route, though...
     
  40. johnbryanpeters

    Rep/Likes:
    209 / 1,829
    Joined:
    Sep 27, 2001
    Messages:
    22,537
    Location:
    Making moss sad in New Haven, Vermont
    Sell them into slavery and retire on that.