That's why I only take nightmare jobs to save me the predetermined disappointment.Dream jobs usually end up nightmares just like every other job.
lazy fucking friday thread
- Thread starter stevew
- Start date
That's why I only take nightmare jobs to save me the predetermined disappointment.
Yessir. Working as an R&D Technician. I am absolutely loving it. Still getting used to the Bay Area. It's not as bad as I thought it would be.My lady moved up with me. She is working at Tesla doing HR.
The riding is fantastic up here. I ride Santa Cruz probably 3 times a week. Got myself an Enduro and an Epic HT so that covers all the bases for me, haha. All in all, I would say I'm really happy with the move, and it was a massive step forward for my career.
sitting in an SAP training session. I would like to die. I have no idea what is happening right now.
Well Ruth made a course error but still managed an 8th place finish in the National Grand Prix Final. One hell of a year. I'm done with the horse show stuff until mid January
my retirement is me dying in the woods somewhere....sooner or later...roffl. I am trying to get a handle on my various retirement accounts. My previous employer of 20 years kept changing plans and moving shit around which made it hard to keep track. I've got a 403b with Mass Mutual, a pension with Mass Mutual, a 403b with Fidelity, a 401k with Fidelity, and a 401a with Fidelity of which I have no idea what the hell that is. On Jan 1 I can begin with a 401k catch-up, because old.
Also,
The longer I'm around, the more appealing the idea of wandering off and never coming back becomes.
Day off today instead of yesterday, big plans of sleeping in, Nope. Wife had a flat tire, sent her to work in my truck, and here I sit at America’s tire spending $1000 because her two fronts were shot, the nail was in the shoulder and the one semi okay rear was only semi okay.
Of course they only have two tires in stock so I get to come back next Saturday too. Good thing I don’t have a million things to get done to get ready for thanksgiving camping, oh wait…
Of course they only have two tires in stock so I get to come back next Saturday too. Good thing I don’t have a million things to get done to get ready for thanksgiving camping, oh wait…
One of the big trees outside my bedroom window has it’s amazing pink blossom out now. I don’t actually know what sort of tree it is…
Building a huge flatpack cabin bed this morning, because teenagers. Sigh. Will see if I still have me IKEA steez.
Building a huge flatpack cabin bed this morning, because teenagers. Sigh. Will see if I still have me IKEA steez.
WTF does this even mean?
In SLC for kiddo hockey. Brought a bike, and will be going out for Indian food. Life could be worse?
that reminds me, i still have 2.5 sick days to use before end of the year
Glad the move was a good one! If you get the chance to ride Tamararancho it's amazing! Also, China Camp is pretty fast and flowy but lovely in the spring when all of the flowers are blooming.
Flatpack is like Ikea. Cabin bed is some weird New Zealandism, I guessWTF does this even mean?
It means I’m probably going to have some minor injuries to my fingers in a few hours.WTF does this even mean?
Generally speaking, yes. Always? No. Plus a 15yr timeline (you vs iab) makes for a very substantial difference regarding risk profiles, access requirements, etc. Add that he doesn't have little monkeys to deal with (no college or need for inheritance) but also nobody to cover aspects of parental care in later life and you are suddenly looking at a situation where some aspect of fees to get the knowledge of the professional to make the most advantage of what you have. Lowest fee, highest risk in youth makes absolute sense. That makes less sense later.
Generally speaking, if you're <40 you need to have a very particular situation for me to recommend anything outside of the basic Target Date funds in your plan (most people don't change things ever, so you can't say SP500 since they will probably be in it at 65). Over 40 and we're looking at individual situations.
Easy example here through... IAB probably makes enough (too much?) money and can take advantage of a Backdoor Roth. If he was chasing lowest fees and did that, he'd likely be in a Vanguard or Fidelity IRA, and get bitch slapped by taxes. Most people don't know these details, which is why professionals have value. But if someone says 1%+ for management, punch them in the cooter.
Noted! I haven’t made it up that far north yet. Still exploring Santa Cruz, Aptos, Pacifica, and Santa Teresa. It’s mind blowing how much more riding there is up here than in SD
Nobody ever died wishing they had spent more time at work.I have 3 weeks
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He listed what he has: 401(a), several 403(b), and now a 401(k) apparently. No IRAs to worry about pro rata rule if he favors the backdoor, if ya know what I mean
like me. my target date funds are only 50% of my 401k, but that's all based on input from my CFP.
Tgt date funds are designed to be an entirely diversified, singular election, portfolio. If you're doing an individual portfolio in the 401k, it should be all-in. And you should be able to do it with just a few funds (SP500, mid-cap and bond indexes, plus a small-cap & int'l fund). Worst case, int'l, SP500, & bond indexes.
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He might disagree.
listen man, i do what my CFP tells me. and right now my 401k is +16.5% ytd
I know this, yet for some reason can't convince myself to go all in on a target date fund. I've got maybe 40% of my total holdings in a target date fund.
Of course, it helps that said selections have performed better than the targeted date over the span I've held them.
Generally speaking, an asset class specific fund will always outperform a target date fund. The tgt date funds have bond exposure; the SP500 index does not. One can return 25% yoy, the other cannot (technically it can, but holy fuck that would be bad). BUT! you have to be cognizant and prepared for the ensuing volatility. If you want absolute RoR, buy an Intl fund and hold on. In 20 years it should outperform any other fund available in your 401(k). BUT! You have to commit to the volatility. Most people can't handle that, hence they use tgt date funds.
And mine's 17.5% in a diversified index fund portfolio. Same exposures but no fees related to the tgt date fund. And it would be higher if I was 100% SP500. The fund is being misused. If you are getting recommendations for a personalized portfolio in the 401k, it shouldn't involve a tgt date fund unless it's 100% because you are paying them for advice. That advice should involve alleviating costs when unnecessary - outside mgmt fees for example.
7 days to burn, carrying 31 days into next year.I have 3 weeks
I suck at relaxing. BUT! I have two ski trips already planned this Winter so I'm getting better.
Nick, do you have a fat bike?
I'll have used 6.7 weeks of PTO by the end of 2021. That includes 3.5 days of "Sick Time."
Next year I'm going to push for 7 weeks of PTO...
Next year I'm going to push for 7 weeks of PTO...
It does roll over, I usually take 75% of it in a given year. I think the closest I have been to actually being 'sick' is one time having the shits and not wanting to risk being too far from a crapper.
I also struggle to find shit to do this time of year. Pretty much a monsoon this weekend.
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nope. but I might have a coupe 2.7 DHFs in the pile. why?