nodakfan17
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Everything posted by nodakfan17
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How did the Falcons go from up 28-3 in the Super Bowl to this? Honest question.
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My biggest motivation for saving now is that I’m afraid I won’t be able to control when I retire. I hear looking for a new job in your 50s is brutal. I also worry about health issues preventing me from working, even though I’m in reasonably good health now. Even the best laid retirement plans can go awry when you miss out on those high earning years.
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Let’s not forget that giving up picks to get rid of bad contracts you wrote is shameful, but otherwise, I like the move.
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So how does that work? Does she still get paid once her PTO / sick time has been exhausted? Or does some sort of short-term disability coverage kick in?
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Exactly - we both started out earning $30K per year during the recession. Now we each earn an above average wage. We’ve had the same savings rate the entire time (10%, 5% plus match). However, now that our expenses have leveled off and our incomes are still increasing, we plan on paying the mortgage down faster instead of increasing our retirement account contributions (a bird in the hand ... ).
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I’ve only contributed 5% of my salary to my 401(k) to get the full employer match, but I’ve been doing it since Day 1 and it adds up. My wife has taken a similar approach. Our family is now complete and our expenses have finally leveled off, so our best saving years are hopefully still ahead of us.
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I doubt it would be that drastic. Your salaries would likely increase along the way assuming you are in professional careers which would help negate some of that inflation and make that $4mm a lot less daunting. 2% inflation over 25 years puts the purchasing power of $2 million in today’s dollars at $3.3 million, but 3% inflation brings it to $4.2 million. Truthfully, I’m a little nervous about our government eventually printing money to get out of our $20 trillion hole, so I’m trying to adjust my expectations just in case.
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Where do you live? What does retirement look like in your mind? I live just outside of Green Bay, but hope to build a modest (but nice) custom cottage in Door County for retirement. I’d like to go out for dinner often, but otherwise, I see us spending most of our time reading, walking, and maintaining a small garden or orchard. If we’re speaking strictly in 2018 dollars, then I hope the $2 million portfolio will generate about $80K (4%) annually in passive income for an indefinite period.
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$2 million is our magic number, but since my wife and I are both in our 30s, I fear we’ll need to save $4 or $5 million by the time we retire just to have the same purchasing power as $2 million has today.
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It sounds less daunting than $1 million, right? And you can see how, under the right circumstances, it’s possible for the average person to be a millionaire. If you’re getting serious about retirement in your mid-30s, you’re still well ahead of the curve.
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Much of it is due to timing. Say you had $333,000 in an index fund in 2008. That’s a reasonable amount to have saved by 50, right? You’d probably have $1 million today at age 60 because the S&P has effectively tripled in 10 years. However, if you turned 50 in 1998 and had that same $333,000 in an index fund, you wound up with $300,000 in 2008 when you wanted to retire.
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So definitely not Winston Moss, right? Jokes aside, I saw him once at Barnes & Noble in Green Bay and he looked like a recently retired NFL linebacker, not a 50 year-old man. He also saw my son get excited about a Winnie the Pooh book and said he really liked Pooh too. Seemed like a nice guy.
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Do many employers allow you to bank sick days? I guess I have what most people would consider to be a pretty good job and mine expire every year (along with unused PTO). Becoming ‘sick’ in late December after 50 straight weeks of good health would probably be grounds for dismissal.
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Bill O'Brien has been decent for Houston. True, but he also spent 5 years on the Patriots’ staff prior to his 2 years at Penn State.
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I use the $300 Target gift card (that I buy for $270) to buy paper products at Target whenever they have their ‘free gift card with purchase’ deals. For example, I can usually get a $5 Target gift card when I buy two $10 packs of paper towels (if I wait for the sale). That adds up to about $75 worth of extra gift cards by the end of the year, which I usually spend on fun stuff like movies and books on Black Friday or other Christmas presents.
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Would not be surprised if there are other things going on behind closed doors. The tension with Rodgers was perhaps a sign of a greater tension that we weren't privy to. Maybe McCarthy has been complaining behind closed doors about not getting the players he wanted or maybe he strongly opposed trading HHCD, maybe McCarthy put up an ultimatum and asked to be fired. Whatever it is, I don't think that losing this year is the only reason behind it. I’m with you. I’m often critical of Mark Murphy, but he’s an honorable man. I don’t think he makes this move if there aren’t some bad things going on under the surface.
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Hopefully, that’s a blessing in disguise for the coach. Take a month off. Spend the holidays with his wife and daughters. Then turn the page in the new year.
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No. But if you’re going to fire a HC midseason then why is Thompson still working in your player personnel and being tossed in the HOF as a rush job? Because he likely has early stage dimentia and they're doing it while he can appreciate it. Bingo. He built a Super Bowl champion from scratch. Respect.
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Let’s not forget the other two left by choice. McCarthy wanted to be here. He put down roots here. He was an everyman who just wanted to coach the Green Bay Packers. I think it was time to move on, but I respect the heck out of him. I’m a little sad tonight.
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The Packers’ recent decline was more due to 3 consecutive bad drafts than any other factor (including coaching). By virtue of being a Super Bowl winning coach, I thought McCarthy had earned the right to finish out the season. I’m guessing that was Murphy’s plan, but the bad loss coupled with the mood in the locker room probably forced his hand. I’m ready for a change, but I’ll be forever grateful for McCarthy’s tenure. Thanks for XLV, Coach. Good luck at your next stop. Hope to see you back here for your Packer HOF induction.
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^^^ I think this is a likely outcome.
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This is sort of in the realm of personal finance: Target has gift cards 10% off today only. You can order them online. They only run this deal once per year. I buy the maximum allowed ($300) every time. $30 savings right there.
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Mark Murphy does not get enough blame. Ted Thompson gets too much. We all knew Thompson wasn’t right the last few years and Murphy did nothing.
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The season is over and it was not fun while it lasted. I used to think Rodgers was good for 10 wins when healthy. Now, I’m not sure what to think.
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I wish the NFL would let actual juries be the jury in these cases, but I respect the Chiefs’ decision to release him.