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Posts: 160

The big Halloween Pokemon Go event starts today. Includes some new Gen3 Pokemon. -- nm - Mop Oct 20, 08:51
"37 points on 13-for-22 shooting from the field and 11-for-13 from the foul line to go with 13 rebounds, three assists and three steals in 37 minutes" - prayformojo Oct 20, 08:48
Meanwhile, I'm starting to get a bad feeling about the VA governor's race. The VA Dems don't seem very galvanized about this -- nm - prayformojo Oct 20, 08:47 9
- I'm guessing the Dems win by 4...because I don't think the rest of the state cares either. The GOP is not as galvanized either. - Will Hunting Oct 20, 08:51 2
  - The GOP always seems to be galvanized for some reason. -- nm - ty97 Oct 20, 08:52 1
    - And NJ is a given unless he Dem murders a puppy on live television - ty97 Oct 20, 08:52
- I know VA is very purple, but I was still caught off guard at who close the polling was in this one. - ty97 Oct 20, 08:48 5
  - The ads here basically boil down to "If you don't vote Gillespie, MS-13 will kill your family." -- nm - Max Oct 20, 08:49 2
    - I'd heard about that. Good to know that race-baiting fear is alive and well in political ads. - ty97 Oct 20, 08:51
    - right? 95% of my awareness for MS13 is from those ads - prayformojo Oct 20, 08:51
  - The one poll that had Rs leading had weird demographic issues. -- nm - Reagen Oct 20, 08:48 1
    - I've seen arguments both ways on that, though I haven't read them in detail -- nm - ty97 Oct 20, 08:51
tru - when I do get on, I'll be happy to do whatever. Follow you in Nightfall or do the MIDA thing on my own, I'm down for anything. -- nm - crash davis Oct 20, 08:47 3
- what about a dance party? -- nm - tRuMaN Oct 20, 08:47 2
  - It *is* Friday. - Spawn Oct 20, 08:49
  - my warlock needs to learn some better dance moves -- nm - crash davis Oct 20, 08:48
[deleted] 20
- I check mine every day, pretty much. - znufrii Oct 20, 08:49 8
  - [deleted] 6
    - It beats fun vacations! -- nm - Spawn Oct 20, 08:51 5
      - [deleted] 4
        
        Quicken downloads mine (I have a brokerage account with the same folks that service my 401k so it's automatic) so I tend to know where it sits - ty97 Oct 20, 08:53 3
        
        [deleted] 2
        
        Way more since Trump was elected. I hate him, but he makes the 401k happy. -- nm - jnine Oct 20, 08:56 1
        
        Don't really think it has anything to do with him. Not partisanship. I don't generally give any POTUS credit or blame for short-term market results -- nm - ty97 Oct 20, 09:06
  - That's a good way to get an ulcer I think -- nm - oblique, SuperFeud Champion and Tenth Astronaut Oct 20, 08:50
- I see any potential pension from employment as gravy; trying to build up RRSPs as main source for retirement -- nm - Beaker Oct 20, 08:48
- I think you left something on in your place. -- nm - crash davis Oct 20, 08:47 1
  - [deleted]
- I love how old we've gotten old. Hey Bery! What were talking about on this date in 2008? -- nm* - ty97 Oct 20, 08:47 7
  - Probably, "Holy shit, the market did how bad? How are we going to be able to retire?" -- nm - Will Hunting Oct 20, 08:53 1
    - HA! So not that different after all! -- nm - ty97 Oct 20, 08:54
  - ST needs a sidebar calendar so we can click back in time. The boards don't show years so it's really hard to tell what a particular board ID year is -- nm - oblique, SuperFeud Champion and Tenth Astronaut Oct 20, 08:51
  - you love some strange things -- nm - crash davis Oct 20, 08:48 2
    - [deleted] 1
      - I just need you to be fatter than me - ty97 Oct 20, 08:54
  - [deleted]
Don't really know why, but I'm kinda excited that James Caan is in one of our films. - LMS Oct 20, 08:46
Netflix is “hereby on notice that blood will be on their hands if this film causes bodily harm". -- nm - Spawn Oct 20, 08:42
Heavy fighting between Kurds and Iraqi forces. -- (link) - Mop Oct 20, 08:40 1
- The outburst of Kurd nationalism was totally predictable from two years ago when I could see ISIS would fall. So glad we have a president who can do - crash davis Oct 20, 08:43
In all the praise that Kelly is getting for his explanation of what the President was trying to say to the gold star mother, I was struck by a couple - pmb Oct 20, 08:36 8
- In short, if something needs to be handled delicately, don't give it to Donald Trump. -- nm - Max Oct 20, 08:48 2
  - "Not even these Faberge eggs?" "NO!" -- nm - Reagen Oct 20, 08:51 1
    - Actually don't worry. They aren't real Faberge eggs. -- nm - pmb Oct 20, 08:53
- My take was that Trump wanted to one-up previous Presidents by calling, so Kelly had to provide the best advice in the circumstances. -- nm - Roger More Oct 20, 08:41 1
  - Yeah, I get that. I'm just saying that I see a lot of praise for Kelly for sharing those thoughts and I'm not sure it was great advice. - pmb Oct 20, 08:44
- Also, Trump cut out Kelly's legs from under him on this, this morning. - Reagen Oct 20, 08:41
- Pretty sure you have to give Trump bullet points on paper to get him to say something he does not think, correctly. -- nm - Spawn Oct 20, 08:38
- yup thats my take as well. -- nm - tRuMaN Oct 20, 08:37
Random 401k thing. A couple of years ago, my employer stopped giving our 401k employee match in each paycheck - ty97 Oct 20, 08:30 26
- so they amended the plan to go to a Yearly match, technically they have to put that money in within 90 days - tRuMaN Oct 20, 08:32 4
  - isn't it 90 days from the filling of the corporate tax return? -- nm - decline Oct 20, 08:39 2
    - I dont think so, but I could be confusing that with another penalty. I only had two plans that did non-payperiod matches, and both made their year - tRuMaN Oct 20, 08:42 1
      - I just double checked. In order to apply the match to the prior year, it must be funded prior to the tax filling (probably why you saw it in March) -- nm - decline Oct 20, 08:51
  - I know nothing about this. I just know I get a lump into my 401K around 12/31 every year. -- nm* - ty97 Oct 20, 08:36
- hmmm, why would they defer until the end of the year? -- nm - prayformojo Oct 20, 08:32 16
  - couple of different reasons - decline Oct 20, 08:35 3
    - got it. thanks -- nm - prayformojo Oct 20, 08:39
    - true, but on 2 - they can use that money to offset the employer contributions, so thats really a wash really. -- nm - tRuMaN Oct 20, 08:36 1
      - it is, but it also becomes a cash-flow benefit -- nm - decline Oct 20, 08:37
  - A) They get to keep the money all year and make money off of it, rather than handing it out -- (edited) - ty97 Oct 20, 08:35 10
    - Your IM is basically why we acrue vacation days and don't get them in our "account" as a lump sum at the start of the year. In IL if you leave, you - oblique, SuperFeud Champion and Tenth Astronaut Oct 20, 08:40
    - you IM depends. The plan must specifically state the end-of-year requirement -- nm - decline Oct 20, 08:36 5
      - 99.999999% sure it does -- nm - ty97 Oct 20, 08:37 4
        
        Do you know the least time I read my plan docs? - ty97 Oct 20, 08:37 3
        
        just grab your Summary Plan Description (it's probably on your plan's website or your company's intranet) -- nm - decline Oct 20, 08:38 2
        
        As I mentioned, my father used to work for the company, and he'd read this stuff voraciously. - ty97 Oct 20, 08:44
        
        werd. -- nm - tRuMaN Oct 20, 08:38
    - oooh, your im is sneaky. I would of assumed they would of had to pay that out -- nm - Beaker Oct 20, 08:35 2
      - Might depend on the plan. I think my old plan still gave you your match even if you’d left. -- (edited) - znufrii Oct 20, 08:37
      - I'm *pretty* sure they don't, not 100% - ty97 Oct 20, 08:36
  - cash flow management maybe? money they don't payout is money they earn interest on / don't have to pay interest on -- nm - Beaker Oct 20, 08:32
- many employers do this now. It saves them money in the long run -- nm - decline Oct 20, 08:31 3
  - yup, though its a lot more of a compliance headache (as that calculation will get beat up during the plan audit). -- nm - tRuMaN Oct 20, 08:33 2
    - yeah, we deal with it all the time -- nm - decline Oct 20, 08:36 1
      - i spent most of May through Oct 15 auditing pension plans, so yeah good times. - tRuMaN Oct 20, 08:38
groiny, do you think you me, and david/spawn/j could tackle the prestige nightfall? - tRuMaN Oct 20, 08:28 19
- I also think if we have 6 on, we should at least attempt part of the raid. -- nm - groiny Oct 20, 08:34 5
  - I keep hearing, "At least get to the first drop" but we have yet to even do that. I think that should at least be a goal. -- nm - Spawn Oct 20, 08:39 4
    - so the raid requires a lot of team-work and coordination. - tRuMaN Oct 20, 08:44
    - well, you need 6 people on at a time, and you need everyone geared up to succeed. - groiny Oct 20, 08:43 2
      - shotgun or sword for heavy (for the first section) an auto-rifle or smg (fire preferred) or energy. - tRuMaN Oct 20, 08:46
      - Nobody wants blue shit. -- nm - Spawn Oct 20, 08:45
- also, I am thinking a Gunslinger with Nighthawk would be better in the final battle. -- nm - groiny Oct 20, 08:32
- Just go full blown triple Strikers. - Shaun Oct 20, 08:30 8
  - true, I just like the invis for revives. -- nm - tRuMaN Oct 20, 08:34 7
    - imo, it's just not worth it overall, over a Celestial Nighthawk Gunslinger or a Raiden Flux wearing Arcstrider. -- nm - Shaun Oct 20, 08:37 5
      - hmm, I used the bow to help kill off ads - tRuMaN Oct 20, 08:40 4
        
        I can take off 1/3rd of the boss's health with a single arcstaff super. -- (edited) - Shaun Oct 20, 08:43 3
        
        last night twice I went in with the arc-slam titan, and - tRuMaN Oct 20, 08:47 2
        
        Arcstaff staggers bosses even with the light attacks, so you can hammer him for the entirety of the super. -- nm - Shaun Oct 20, 08:50 1
        
        k, its a thought -- nm - tRuMaN Oct 20, 08:52
    - I died a few times reviving people, when the invis pops off after 3 seconds -- nm - groiny Oct 20, 08:35
- I have no idea, what is the difference? - groiny Oct 20, 08:28 2
  - enemies are all yellow bars, and cause higher damage (25% buff or something) - tRuMaN Oct 20, 08:35
  - Prestige is the New York of Nightfalls -- nm - Beaker Oct 20, 08:29
Tomorrow is the 25th anniversary of my hire date at work. What are you doing to celebrate? -- nm - prayformojo Oct 20, 08:24 7
- Open the box -- nm - oblique, SuperFeud Champion and Tenth Astronaut Oct 20, 08:39
- Watching Butch Jones last game as Tennessee's coach. -- nm - volnelk Oct 20, 08:34 1
  - you got that right - prayformojo Oct 20, 08:38
- Listening to Jump Around as it was released that year. -- nm - Spawn Oct 20, 08:32
- I'll do a shot in your honor -- nm - decline Oct 20, 08:30
- pouring out a 40 and then doing a nekkid rain daince. -- nm - tRuMaN Oct 20, 08:28
- Sleeping in -- nm - TWuG, neck model Oct 20, 08:27
Is there any bigger insult in Destiny 2 than getting a high level Fighting Lion? - Spawn Oct 20, 08:23 7
- yes, getting the same legendary gun drop for 3 nightfalls (red mamba, which is garbage). - tRuMaN Oct 20, 08:25 1
  - at least the smg, you can infuse into a better SMG - groiny Oct 20, 08:27
- I think it might have some value, I just have no found it yet -- nm - groiny Oct 20, 08:24 4
  - I dropped into a Public Event right at the end and got two legendary and one exotic. I was pretty happy. Until the Cryptarch effed me with that. -- nm - Spawn Oct 20, 08:25 3
    - you realize you can see what an exotic could potentially give you before you talk to the cryptarch right? - tRuMaN Oct 20, 08:26 2
      - I did that once and then received something that wasn't pictured. -- nm - Shaun Oct 20, 08:27 1
        
        Yup. -- nm - Spawn Oct 20, 08:29
Steve Bannon at Disneyland this weekend for Anaheim GOP Convention -- (link) - budice Oct 20, 08:22 1
- So, no longer the happiest place on earth? -- nm - jnine Oct 20, 08:34
"That cap on 401(k) contributions is great but can we combine that with a capital gains credit?" - some asshole billionaire, probably -- nm - Reagen Oct 20, 08:17 1
- [deleted]
I'm freaked out that I'm nowhere NEAR on track with my 401k - ty97 Oct 20, 08:16 35
- This is me with my 529 college savings plans. It's a really good amount but by itself only would cover say two years of a private school tuition - oblique, SuperFeud Champion and Tenth Astronaut Oct 20, 08:24 5
  - we have RESPs here. Feds give you 20% up to $480 I think it is ($2400 from you gets you $480 from the Govt right away) - Beaker Oct 20, 08:34
  - I've done calculations of what you would need to put away to cover everything. It's ridiculous. All because the school inflation rate far exceeds most - decline Oct 20, 08:29 3
    - I'm actually pleased at the end of the day that we're getting as close as we are. We don't want him to carry any debt - oblique, SuperFeud Champion and Tenth Astronaut Oct 20, 08:32 2
      - that's great of you as parents :) -- nm - decline Oct 20, 08:40 1
        
        It was much harder when we first started savings when my wife was home with the kids and not working full time out of the home. That college savings - oblique, SuperFeud Champion and Tenth Astronaut Oct 20, 08:43
- They don’t mention it in the article, but every proposal I’ve seen to cap pre-tax 401(k) contributions has been paired with requiring plans to offer - znufrii Oct 20, 08:20 11
  - I already have a Roth option. I WANT my pre-tax option. -- nm - ty97 Oct 20, 08:22 10
    - can I ask a dumb question? what's the point of capping roth contributions? like, if I'm not tossing cash into a roth, I'll just invest it somewhere. - amanda jones state university Oct 20, 08:25 9
      - You pay taxes upfront to withdraw earnings tax-free - znufrii Oct 20, 08:31 4
        
        are the ira contrib maxes for employee contrib only? or what employer contribs as well? (obviously I have never maxed anything.) -- nm - amanda jones state university Oct 20, 08:39 3
        
        I know the 401k maxes have employee contribution maxes and separate 'total contribution maxes' (about 3x of the employee max) -- (edited) - ty97 Oct 20, 08:45 1
        
        2017: 401k deferral max is 18,000. 401k Annual DC contrib max is 55,000 (employee + employer). IRA/Roth max is 5500. - decline Oct 20, 08:55
        
        I don’t think the overall caps would change based on what I’ve heard so far, but really it’s all speculation anyway st this point -- nm - znufrii Oct 20, 08:42
      - you are probably phased out of any tax benefit of your roth contribs now. -- nm - decline Oct 20, 08:27
      - no taxes on gains when I withdraw? is that it? -- nm - amanda jones state university Oct 20, 08:26 2
        
        I'm guessing that's it. You don't pay any capital gains either annually or at withdrawal, which is a nice perk. -- nm - ty97 Oct 20, 08:28
        
        yep -- nm - decline Oct 20, 08:27
- decline, I get why they are thinking it, but the fundamental basis is 'if they need money now'. They don't need money now. - ty97 Oct 20, 08:19 1
  - agreed -- nm - decline Oct 20, 08:20
- None of it will mean anything once the cleansing revolution comes - Reagen Oct 20, 08:19 1
  - The first rule of... -- nm - Spawn Oct 20, 08:31
- I tried a month or so ago to find a way online to calculate how much I should be saving now to retire with $xxxxx per year, and I couldnt - tRuMaN Oct 20, 08:19 10
  - Since I started this job nearly 18 years ago, my father has told me 'max your 401k contributions!'. I've never maxed. - ty97 Oct 20, 08:21 9
    - it's 18% up here for the equivalent. Insane idea that I'd have expected to max that. -- nm - Reagen Oct 20, 08:29
    - yeah, it's really hard for most people to max out -- nm - decline Oct 20, 08:24
    - I have always met the minimum to get full employer matching. But next maxed out personal contributions in a year. -- nm - ty97 Oct 20, 08:23 6
      - right getting every cent from employer matching is a must. -- nm - Beaker Oct 20, 08:28 5
        
        Which all but doesn't exist anymore. - Reagen Oct 20, 08:31 3
        
        My dad, who retired from my company, retired with a pension and a 401k. I will not have a pension. 401k is my retirement. - ty97 Oct 20, 08:34 2
        
        I will probably have a pension but that's very occupation specific. -- nm - Reagen Oct 20, 08:36 1
        
        I should * my no pension line - ty97 Oct 20, 08:50
        
        Yup, I at least heeded that message, even in my mid-20s when I was a financial toddler (from a financial responsibility perspective) -- nm - ty97 Oct 20, 08:29
- you and me both, brother - decline Oct 20, 08:19
- I am freaked out that I do not even have a 401K -- nm - groiny Oct 20, 08:19
FRIDAY!!! -- nm - Spawn Oct 20, 08:15 6
- TGIF! -- nm - Beaker Oct 20, 08:16 5
  - monday is only 2 days away! -- nm - tRuMaN Oct 20, 08:18 4
    - ::... counts on fingers...:: YOU LIE!!! -- nm - Spawn Oct 20, 08:19 3
      - nope, see you exclude friday cause its already friday, which means after you experience two more "days" (it named events) its monday. - tRuMaN Oct 20, 08:20 2
        
        ... then two days later it is Friday again!!! -- nm - Spawn Oct 20, 08:22 1
        
        4 day weekend! -- nm - Beaker Oct 20, 08:31

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