Would have liked to see him stay with the good guys. Go Bucks!
That is crazy talk.
Crazy weekend. The buckeye nation chipped in with 99,000 plus for a spring game! No better place to be if you are an elite student/athlete.
It seems Tiger has had a history of bones popping out of place.
I don't think I would get in...lol. I graduated in 96.
I don't even remember my test scores.
I rocked the GRE though, and went on to graduate school elsewhere for a change of scenery.
One thing I do remember is how cheap tuition was then compared to now although I actually paid more for my undergrad at OSU than I did for my MS and PhD combined due to assistantships.
It is a crazy world now, and if I had to start over knowing what I know now, I would just say da heck with it and move to mexico...ha.
1. Thomas - Very slippery and deceptively fast and strong. He will get a ton of YACs.
2. Smith - Mid to deep ball threat. He got better, and I see him having a break out year.
3. Marshall - Solid with good hands.
So much talent which makes it hard to predict who will break out. A great problem.
An outlying taboo, meaning I'm not sure who the hell would do this....THE SHREDDER SNIFFER.
Had an administrative 'assistant' sift through the shredder to find the name of the person who didn't empty it. Even if it wasn't full, it would drive her crazy to have any of the little squiggly pieces in the bag.
She found my name in the freak'n shredder and went straight to the top person and promptly blamed me (one hell of a violation given the nature of the clearance and confidentiality of our work).
The kicker is that she was there to, in part, "assist" me....lol. So why not help out and take the chit out?
She was 'let go' shortly after.
I think he is gone, especially if he is projected to go early (1-3)
God bless it any how.
I am getting chills from reading the responses on the board.
Y'all are good people. It is so refreshing to see the support. Kindness and compassion in this world is not dead!
Grind BassDropper. You can get better.
You are so young my man, and have a full life ahead of you. Get professional help, and delve into a good cause that you enjoy.
Things will get better with a little time and help!
I disagree with taking on heavy risk at a young age. It is just my view, but why not establish yourself first and then invest in a company that 1) protects your personal assets, and 2) isn't a make or break situation for your personal financial wealth?
If you read about the odds of not only running a successful business but one that is actually a bit hit, they are very very small. Most successful businesses are created by those in their 50s!
Again, my opinion, but play the odds at a young age, and build wealth slowly. Be bored with it! Establish your personal wealth, and then go Elon Musk!
My thoughts on debt.
There are three levels of debt, at least in my opinion.
1) Bad Debt. This includes things like credit cards, and other purchases for items that are really material, and add very little value to your overall wealth.
2) Necessary Evil Debt. This would include mortgages, or things that happen such as medical expense. Both can mitigated through planning. With respect to a mortgage, you know you have to live somewhere, and this is a fixed cost. Nothing you can do about it but try minimize it through careful planning.
3) Investment Debt. This is for the entrepreneur. This would include some of the gyrations that some have discussed on here such as borrowing in hopes of getting a higher return that exceeds the cost of the debt. The key here is that risk is involved so there is no guarantee that you will make more than you borrow. You could lose it all and still owe the debt.
With regard to #3, why take the risk when you are so young? I say this from a conservative perspective. In other words, if you are young and starting out why not play the odds, and get rich slowly? The system is set up for you to succeed if you have the patience. Time is on your side, and it is way less stressful to just plan and work towards financial goals in a slow and methodical manner. Once you have established yourself, you can then venture out with a bit of capital to take on risk in hopes of hitting a home run. There is a portion of the 1%'ers who risked it all at a young age, and made it. Think about that though.....1% with a portion of that group who made the rank well after their 40's.
I think Urban's mantra of point A to point B in 4 to 6 seconds does not apply to building wealth. It should be point A to point B in 20 - 30 years.
I'll take a fine bottle of tequila and up you to two nights. This has been a great conversation.
I only wish I would have received everyone's great advice and followed it, oh.. about 30 years ago!!!
Yes. We are on the same page. Pay yourself first by maxing out retirement. Dump the residual onto the house.
You stated exactly how I would play it, and nailed the low interest rate/inflation opportunity.
I mostly agree too. Don't go all in on your house to leave you with nothing.
However, I tend to heavily weigh the no debt theorem so I would pay down the mortgage as fast as I could while maintaining a comfort level in terms of finances.
I am *cough* 48 years old and I have no debt. None.
Not saying this to brag, but to share with other how freak'n awesome and liberating this is...
With regards to balancing taxes and financial decisions, I think the advice to at least periodically consult a CFP is a good one as long as you really research who you are getting. Especially at certain points in your life.
I, like you, have been jaded by financial professionals mostly because I realize that we have been fleeced by them for years.
I agree as well. A great time for mortgage rates.
I paid 10% interest on my mortgage when I bought my first house in 1990!
That last paragraph is pure gold. Definitely need your spouse on board or the train could get derailed quickly.
I might add to this.
I would not add any life insurance if you don't have any dependents or a spouse.
Why would you unless you want to protect someone that would be financially hurt by your death.
I waited until I got married and started a family.
I took out 10 times my salary.
I agree with Hetuck, if and when you need life insurance, go with group life at work, and a term life insurance policy if more coverage is needed.
I agree to some degree Reese, but save for a few tweaks here and there, it is pretty clear to me. Personal preference is still shaped by the reality of the fact that one must save relentlessly for a long period of time regardless of which options you choose!
After 25 years of marriage and 5 children complete with braces, and college tuition, I can definitely say that this is the winner!