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Posts: 152

Cutler...the new RGIII -- nm - budice Sep 22, 18:10 1
- he got hurt? -- nm - Beaker Sep 22, 18:11
I'm pretty sure I live in one of the smartest metropolitan regions on the planet, and yet, man, dumb people are unavoidable. -- nm - Max Sep 22, 18:10
Is there no end to this birthday madness? - Jovian Sep 22, 18:03
Gotham isn't bad so far (40mins in) but the writing is awful. -- nm - MDH Sep 22, 18:02 1
- looks great, actors solid, writing needs to kick it up. -- nm - Remlik Sep 22, 18:13
Black Unicorn! -- nm - Bacon Sep 22, 17:51
Penny, you're not Robin Wright. -- nm - spamlet Sep 22, 17:44 3
- worse than felicity? I say yes -- nm - dogbert Sep 22, 17:57
- hotter -- nm - Beaker Sep 22, 17:48 1
  - She looks way worse than with long hair. -- nm - spamlet Sep 22, 17:49
Wow, Good Wife. - spamlet Sep 22, 17:37 16
- Spoilers - David Sep 22, 17:40 4
  - (spoilers) - spamlet Sep 22, 17:42 3
    - Out of all the shows on television, I would most enjoy sitting in on their writers' room. -- nm - David Sep 22, 17:51 2
      - It's one thing I loved about Scrubs. They did this really really well too. -- nm - spamlet Sep 22, 17:58 1
        
        Hooch really is crazy. -- nm - Reagen Sep 22, 18:02
- OK seriously, this show looked like total melodramatic tripe when it premiered - ty97 Sep 22, 17:39 10
  - Currently the best show on television. -- nm - Dano Sep 22, 18:06
  - Probably the best show for female roles on tv now and in the past decade plus. - Max Sep 22, 18:04
  - it's a terrific show. -- nm - Remlik Sep 22, 17:54
  - They had the best season of television last year. -- nm - David Sep 22, 17:52
  - It's great. It's so so great. -- nm - Amanda Sep 22, 17:45 4
    - Noted, will check it out. - ty97 Sep 22, 17:51 3
      - Start with last season and go forward. -- nm - spamlet Sep 22, 17:57 2
        
        Likely to start with S1 just because, but will keep recs in mind -- nm - ty97 Sep 22, 18:08 1
        
        That's the best but if you wanted to get caught up quickly last season would do it. -- nm - spamlet Sep 22, 18:10
  - Really, really good. It still has some parts that make me roll my eyes but mostly it's really good. -- nm - spamlet Sep 22, 17:40
[deleted] 1
- It's almost passed the point of no return for the third world. - Bacon Sep 22, 17:38
I hate football -- nm - Krusty Sep 22, 17:34 5
- I blame Pippy -- nm - Bacon Sep 22, 17:37 1
  - Don't we all? -- nm - ty97 Sep 22, 17:38
- No, sir, you hate the Jets. Which is just logical. - ty97 Sep 22, 17:36 1
  - It's my punishment for something. -- nm - Krusty Sep 22, 17:40
- Tebow had better fundamentals than that. Honest to God. Tebow. -- nm - David Sep 22, 17:35
That first score was faster than most people's first time. -- nm - David Sep 22, 17:33
So far Gotham doesn't suck. - TWuG Sep 22, 17:22 6
- Part I like... - budice Sep 22, 17:41
- Thats a pretty sweet apartment for a detective though.. -- nm - Jovian Sep 22, 17:23 4
  - War hero with "juice". -- nm - TWuG Sep 22, 17:29 1
    - ahh there we go. not his. -- nm - Jovian Sep 22, 17:33
  - I want to start a TV network that only broadcasts shows consisting of NYC residents in realistic apartments. - ty97 Sep 22, 17:29 1
    - Think of the set savings, though -- nm - Beryllium Sep 22, 17:34
Dinner tonight was pasta with meatballs, and Italian bread. - kelly Sep 22, 17:21 11
- Diets suck. -- nm - ty97 Sep 22, 17:22 10
  - I've been working out 6x/week, 3 days strength - 3 days HIIT. - kelly Sep 22, 17:34 9
    - My experience with WW was that the women working out didn't lose at first. - ty97 Sep 22, 17:37 3
      - It's just frustrating to see all of these women dropping weight except for me. - kelly Sep 22, 17:42 2
        
        Your IM is exactly right. It's one thing that will make you have to do just a little bit more to get the same results. - Bacon Sep 22, 17:45 1
        
        Remember too. I read you are using hand weights. Muscle is twice as heavy as fat so you might be losing inches but not pounds,. - Bacon Sep 22, 17:49
    - Good Job!! I got so fatty fat fat on vacation that I need to do something. - Bacon Sep 22, 17:36 4
      - My first cruise I was new on WW, and lost a 1/2 lb....couldn't do that again if I tried :) -- nm - Meg Sep 22, 17:40 3
        
        This is no lie. We tried on our clothes so we didn't waste space taking anything that didn't fit. By the end of the cruise 2 pairs of jeans and a - Bacon Sep 22, 17:44 2
        
        Oh, I know...and I'm trying to talk myself out of a 5-day cruise next May :) -- nm - Meg Sep 22, 17:45 1
        
        Breakfast had fruits, and healthy stuff, but I kept going to the omlette station and pastry bar. It can be done right, but I was all sorts of wrong. -- nm - Bacon Sep 22, 17:46
[deleted]
Does it make sense to have a standard IRA AND a Roth IRA if you don't know what your retirement income/wealth will be? - Bacon Sep 22, 17:20 10
- Yep, I have to start drawing down my IRA next year - that's gonna hurt :/ - Meg Sep 22, 17:37
- yeah its pretty much guessing -- nm - decline Sep 22, 17:31
- I'm not nearly optimistic enough to think I'll be making more (or / the tax rate will be lower) at retirement - ty97 Sep 22, 17:30 1
  - I am too. That's why I'm hedging :-) -- nm - spamlet Sep 22, 17:45
- I think the total is $5,500 per year for any combination of the two. -- nm - James Bond (aka Igor) Sep 22, 17:30
- fwiw, I'm probably going to be chucking some money into a Roth IRA at the end of the year - znufrii Sep 22, 17:28 3
  - That is what I was thinking of doing. I get a 3% match on my standard, but thinking a Roth with my extra money? -- nm - Bacon Sep 22, 17:30 2
    - I don't really have a choice this year because of taxes - znufrii Sep 22, 17:39 1
      - I like it. Instead of adding to my standard, use my extra money that's already been taxed to go Roth. Hedge my bets. - Bacon Sep 22, 17:41
- I'm finally to the point where I can get the match at work and do a Roth. - spamlet Sep 22, 17:26
[deleted] 2
- "The SUV tumbled approximatley 60 yards." -- nm - Reagen Sep 22, 17:18
- Is that out of character? -- nm - Beryllium Sep 22, 17:16
OMG, it's the dad from the Neighbors! -- nm - spamlet Sep 22, 17:02 1
- Larry Bird! -- nm - con_carne Sep 22, 17:18
[deleted] 2
- We actually did a short term loan through Prosper. I think very highly of the way they're run. -- nm - David Sep 22, 16:51 1
  - [deleted]
Bryan Singer will direct X-Men: Apocalypse. -- nm - Beaker Sep 22, 16:49 1
- All the twinks dropped their charges. -- nm - Spawn Sep 22, 17:00
I'm sure you care: still binge watching the office, but slower now. In my current episode, Michael is having a colonoscopy - Amanda Sep 22, 16:43
NFL: Oakland, Jacksonville and Tampa Bay are all 0-3. Who wins first? -- nm - Beaker Sep 22, 16:38 6
- Just to be contrary, I am predicting three 0-16 teams. -- nm - GregW Sep 22, 19:56
- raiders next week -- nm - dogbert Sep 22, 16:51
- Jax!!! -- nm - JaxSean Sep 22, 16:49 1
  - You and Krusty can start a support group -- nm - Bacon Sep 22, 17:16
- Who wins the number 1 pick in next years draft? -- nm - Bacon Sep 22, 16:47
- Society. -- nm - Spawn Sep 22, 16:38
LIR: I meet with a financial advisor guy about opening an Roth IRA. He mentioned possibly investing it with Blackrock in their Global Allocation fund. - James Bond (aka Igor) Sep 22, 16:36 55
- blackrock is fair for bonds. honestly go with vanguard, but the advisor will try to talk you out of it - decline Sep 22, 17:02 4
  - and if you have any questions about funds or how it all works email me - decline Sep 22, 17:04 3
    - Thanks!! I will take you up on that. YGM -- nm - James Bond (aka Igor) Sep 22, 17:29
    - Hey! Why can't we get free advice too?? - Bacon Sep 22, 17:06 1
      - [deleted]
- Another option. My wife has Great Western and they are pretty good -- nm - Bacon Sep 22, 16:43
- 1.05% expense ratio = hell no -- nm - ty97 Sep 22, 16:42 22
  - thats actually below average for an intl fund -- nm - decline Sep 22, 17:05 4
    - That just seems so high for a 401K - ty97 Sep 22, 17:08 3
      - global funds have higher expense ratios. the currency exchanges generate more operating expenses for the fund -- nm - decline Sep 22, 17:11
      - I am getting funds below 1% but then I don't have fees other than my trade fees. If you have an IRA 1% is not bad as long as you aren't getting dinge - Bacon Sep 22, 17:09 1
        
        The first one I looked up. I have PID and it's Expense Ratio: 0.56% - Bacon Sep 22, 17:11
  - It's not terrible for an allocation fund. - spamlet Sep 22, 16:50 16
    - But do allocation funds tend to beat the expenses to make it worthwhile? - ty97 Sep 22, 16:53 15
      - The one he talked about averaged 10% gain over the last 28 years or so. -- nm - James Bond (aka Igor) Sep 22, 17:00 4
        
        the inception to date (1976) return on the Vanguard S&P 500 is 11.11% with a 0.17% exp ratio - decline Sep 22, 17:10 3
        
        Wouldn't you benefit from a little more diversification than just holding an index fund? -- nm - James Bond (aka Igor) Sep 22, 17:36
        
        Do you have a chart handy for him. I was looking for the one I have filed away. Showing what fees will do to your compound interest? - Bacon Sep 22, 17:12 1
        
        im at home on my kindle so not at the moment. but i can certainly point him to some from work -- nm - decline Sep 22, 17:14
      - It's also about diversity outside of the US. -- nm - spamlet Sep 22, 16:58 9
        
        But don't target date funds do that (for less)? - ty97 Sep 22, 17:06 8
        
        not really. target date funds will have some intl diversity but the majority of them invest in their fund families index funds - decline Sep 22, 17:13 5
        
        Hmmm, now I need to consider - ty97 Sep 22, 17:22 3
        
        It's diverse as far as bonds, stocks, maybe some commodities. -- (link) - Bacon Sep 22, 18:04 1
        
        Link is for Fidelity international funds -- nm - Bacon Sep 22, 18:04
        
        i certainly would -- nm - decline Sep 22, 17:26
        
        This is a good nuget of information thx. - Bacon Sep 22, 17:14
        
        I don't know. The Fidelity funds are lighter on the international side then I would like. - spamlet Sep 22, 17:11
        
        Target Funds in my experience don't always spread into international. -- nm - Bacon Sep 22, 17:07
- Agreeing with Spamlet - I use Vanguard. They have a wide range of funds and very low costs. -- nm - Meg Sep 22, 16:42
- in your lifetime, Action $1 has gone from approx. $5k to $3M. -- nm - Peglegpete Sep 22, 16:40
- Does your guy get a commission if you buy that fund? - spamlet Sep 22, 16:38 9
  - I am not sure if he gets a commission however he doesn't take any annual management fee. This guy is from the university credit unit - James Bond (aka Igor) Sep 22, 16:40 8
    - If he's recommending a load fund he gets a kickback and is steering you to a fund he gets paid more for. - spamlet Sep 22, 16:45
    - One of the main things to assess about funds in a 401K/IRA is the expense ratio of the fund. - ty97 Sep 22, 16:44 6
      - ETFs are the way to go if you have an IRA that allows you to get them -- nm - Bacon Sep 22, 16:45 5
        
        If you want to manage them, yes. If not, then a fund is the way to go. -- nm - spamlet Sep 22, 16:47 4
        
        True true. I like to manage my own funds. Great Western (Wife's) we have 22 mutual funds to allocate her funds into. - Bacon Sep 22, 16:56 3
        
        Well with an ETF you have to reinvest dividends and whatnot. -- nm - spamlet Sep 22, 16:58 1
        
        TD Ameritrade has me on something call drip. My dividends are reinvested back in without any fees. Great tool to use there -- nm - Bacon Sep 22, 17:00
        
        My IRA I can buy anything on the market. That can be a good thing or a very bad thing if you aren't paying attention. - Bacon Sep 22, 16:58
- He is trying to recruit you. - Spawn Sep 22, 16:38
- Blackrock is good. -- nm - Bacon Sep 22, 16:38 12
  - The only thing is their 5.25% entrance fee. -- nm - James Bond (aka Igor) Sep 22, 16:39 11
    - Pass on that. -- nm - Bacon Sep 22, 16:40 8
      - The fund seems to perform well... I guess I need to find an equivalent fidelity fund. -- nm - James Bond (aka Igor) Sep 22, 16:41 7
        
        Look at the Fidelity date funds. It's likely close. - spamlet Sep 22, 16:46 3
        
        That's what all I my 401K is in. - ty97 Sep 22, 16:52
        
        I can give you the name of the one I have if you send me an email. -- nm - spamlet Sep 22, 16:48 1
        
        Sure, that would be great. - James Bond (aka Igor) Sep 22, 17:02
        
        I had some blackrock funds but I didn't pay fees other than maintain fees which were about 1 percent. They were good dividend producers -- nm - Bacon Sep 22, 16:42 2
        
        When did you get those? -- nm - James Bond (aka Igor) Sep 22, 16:48 1
        
        That was about 7 years ago. Held them for a few years. ARK is the sign I remember off the top of my head. I had a couple others. -- nm - Bacon Sep 22, 16:52
    - *ding* pass. - spamlet Sep 22, 16:40 1
      - this. that is cray cray -- nm - Beaker Sep 22, 16:41
ty, was it Keith's? - Reagen Sep 22, 16:36 1
- I figured someone would guess it - ty97 Sep 22, 16:40
Chili's! Tonight is St. Jude's donation night. - David Sep 22, 16:33 3
- aka the night to avoid. (Go another night. Donate to St Jude's separately) - ty97 Sep 22, 16:40 1
  - You're a terrible human being. -- nm - David Sep 22, 16:50
- We finsihed dinner almost an hour ago! -- nm - Spawn Sep 22, 16:36
now you to, can look as fashionable as an A-Hole -- (link) - Remlik Sep 22, 16:30 3
- that's the dumbest looking jacket I've ever seen since Axel Foley walked past those 2 dudes wearing the thriller jackets -- nm - CQ Sep 22, 16:38
- I hate to say it, but ... wesley crusher would wear that jacket. -- nm - Beryllium Sep 22, 16:32
- BAH! Has to be the long one! -- nm - Spawn Sep 22, 16:31

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