Week 17: BILLS vs Dolphins : The Aftermath

[Alaska Darin]

1 minute ago, Chef Jim said:

 

Funny being called boring by a guy who's life apparently revolves around a three hour game with only 12 minutes of action.   😁

You complete me.  😄

[Chef Jim]

Just now, Alaska Darin said:

You complete me.  😄

 

I do what I can.  

[Nanker]

1 hour ago, Chef Jim said:

 

Oh I'll be around.  Just won't be talking much football....or politics.  

That's fine. You're still a good contributor.

[IDBillzFan]

This cracks me up.

 

 

[IDBillzFan]

1 hour ago, Chef Jim said:

 

Oh I'll be around.  Just won't be talking much football....or politics.  

 

No football? No politics? Is there a porn thread I haven't seen?

[Alaska Darin]

[Foxx]

@mead107

 

[leh-nerd skin-erd]

16 hours ago, Chef Jim said:

 

Thanks, I appreciate that but I'm off for good.  Well maybe not for good.  I retire end of this year (let the countdown begin) and I may need something to occupy my time.  However now I work too many hours during the week to spend Sundays yelling at the TV or my phone.  LOL 

Retire???  You just whitewashed all the walls!!! 
 

Plus, I had $6m and everyone knows that screening advisors on pro football websites typically yields exceptional results.   I know what you say—past performance does not guarantee future success, but that’s just the legal fine print, right?  
 

Early congrats—as I recall we’re roughly the same age and I’ve got 7 years to go.  Well done sir.

 

Suggestion—learn to mince onions and cook.  Excellent hobby. 
 

 

[leh-nerd skin-erd]

16 hours ago, Chef Jim said:

 

Funny being called boring by a guy who's life apparently revolves around a three hour game with only 12 minutes of action.   😁

If you replace “game” with dinner at McD, a movie and 6 minutes of recovery this pretty much outlines my wooing strategy back in the day.  

[plenzmd1]

this is pretty cool, not quite sure where to put it

 

 

[Alaska Darin]

While I love this story and the associated video...pandemic.  And that dude is in hospice, which means he's in contact with health care workers.   There shouldn't be any handshaking or hugging go on there - and the Browns just lost to the Jets because they were decimated by Covid.

 

FFS.

[Chef Jim]

21 hours ago, IDBillzFan said:

 

No football? No politics? Is there a porn thread I haven't seen?

 

No.  Why I'm never here. Well that red headed pecker and titmouse post from @mead107 seemed kind of pornish.  

[Chef Jim]

7 hours ago, leh-nerd skin-erd said:

Retire???  You just whitewashed all the walls!!! 
 

Plus, I had $6m and everyone knows that screening advisors on pro football websites typically yields exceptional results.   I know what you say—past performance does not guarantee future success, but that’s just the legal fine print, right?  
 

Early congrats—as I recall we’re roughly the same age and I’ve got 7 years to go.  Well done sir.

 

Suggestion—learn to mince onions and cook.  Excellent hobby. 
 

 

 

Yes I turn 60 in April.  Keys to retirement:

 

1.  Hire a good planner

2.  Pay off the mortgage

3.  Beat the S&P on a regular basis.

 

Two out of three ain't bad.  Ok, ok, one out of three. 

[GG1]

12 minutes ago, DC Tom said:

 

#4: Don't carry credit card debt.

 

#2 is underappreciated.  We're refinancing right now, knocking 4% off the interest and 5 years off the term.  The difference it's making in our short- and long-term finances is shocking.

 

You're knocking 4% off in a refi?  How bad was your credit before?

[leh-nerd skin-erd]

1 minute ago, GG1 said:

 

You're knocking 4% off in a refi?  How bad was your credit before?

I think it’s a really cool treehouse.  Non traditional lending. 

[GG1]

3 minutes ago, DC Tom said:

 

Good, actually.  About 780.  Over 800 now.  Don't think it's ever been lower than 750.  

 

We're converting our 30 at 6% and a HELOC ARM at don't-ask to a 15 at about 1.75%.  Dropping the payment by something like $300/mo and about $150k interest over the 15 year refi term.

 

You should have refi'd at any point after 2011!

 

And here's the lesson for the kids here, never take out a 30-yr mortgage if you can afford the monthly payment for a shorter term.  Also keep an eye out on the rates and refinance when it drops by 1%. 

[leh-nerd skin-erd]

11 minutes ago, DC Tom said:

 

Good, actually.  About 780.  Over 800 now.  Don't think it's ever been lower than 750.  

 

We're converting our 30 at 6% and a HELOC ARM at don't-ask to a 15 at about 1.75%.  Dropping the payment by something like $300/mo and about $150k interest over the 15 year refi term.

Someone said earlier that you live in a tree house.  No bs—Yes or no?

[Alaska Darin]

Deleted

Edited January 5, 2021 by Alaska Darin

[Alaska Darin]

7 minutes ago, GG1 said:

 

You should have refi'd at any point after 2011!

 

And here's the lesson for the kids here, never take out a 30-yr mortgage if you can afford the monthly payment for a shorter term.  Also keep an eye out on the rates and refinance when it drops by 1%. 

Never is a pretty long time...

 

I took out a 30 at a great rate.  The 15 year difference was .375%.  Investing the difference over 15 years netted me my entire mortgage plus an over six figure profit on top.

 

Everything's a situation.

[Chef Jim]

4 hours ago, DC Tom said:

 

#4: Don't carry credit card debt.

 

#2 is underappreciated.  We're refinancing right now, knocking 4% off the interest and 5 years off the term.  The difference it's making in our short- and long-term finances is shocking.

Sold our house in Oakland with enough equity to buy the retirement home with cash and still had enough left over to put in a pool and landscaping. Never ever did I think living in Oakland would make the plan work so well.