JT Buckeye's picture

JT Buckeye

MEMBER SINCE   February 04, 2015

Recent Activity

Comment 27 Nov 2019

Interesting Mike Adams tidbit.  He's is an old buddy of mine's cousin or nephew or something by marriage.  We were going to OSU when he was at Dublin and took him to his first OSU game.  He was 15 and I think a freshman at the time, super nice kid.  It was before he started getting recruited.  Also, he was HUGE.  I doubt he would remember me (as an extended family member's friend and all), but cool none-the-less.

Comment 27 Nov 2019

Great post.  I was at the Game of the Century the day after Bo died.  You could hear a pin drop for his moment of silence.. nothing but respect.

Fuck Michigan.

Comment 23 Sep 2019

UFM would never coach at TTUN, reason # 241

TTUN football players do not have the ability to take whatever classes they want or select any major they want to pursue.  They are limited in their academic choices which is why most of them major in "general studies".  UFM would not work at a program that does not adequately prepare its players for life after football.. at least not after experiencing working for a university which encourages academics and supports the aspirations of its athletes.  

Comment 12 Sep 2019

Lots of comments that I'm not going to take time to read through.  My parents didn't teach me sh*t about personal finance either, so everything I know was learned through experience or research and should be taken as "just some schmuck's opinion on the interwebs".

First off, start saving for retirement.  Pay yourself first!  401K, IRA, whatever you choose or have access to. Structure a budget so that the first bit of money that comes out (before taxes, before bills, before debts) is for you.  Then figure out how much you can spend towards debt.  Invest in some sort of index fund and forget about it.  You'll be glad you did in 25 years.

Save up a few months of expenses also in a savings account.  There are multiple online savings accounts that are paying north of 2% interest.  This could come in handy if you need it.

Take out the higher interest rate debt first.  Usually this would be revolving credit facilities like credit cards.  You should never carry a balance on your credit cards, but that doesn't mean you should have them.  Having ready access to credit does good for your score, as does a history of on-time payments.  Get a card that gives you cash back (with no annual fee) and use that for your expenses each month, then pay it off in one lump sum.  Do this for a year and you'll see your credit score skyrocket.

Student Loans.. if they are gov't loans, you have flexibility to change the repayment terms if you need to which could be important in a financial pinch.  If they are private.. pay those bitches off.  Just my opinion.

If your goal is to dig yourself out of a hole, then don't go running up CC bills or getting new installment loans for cars, bikes, boats or whatever.  Pay yourself first, put money away for expenses, pay your CC off each month, focus on higher interest or lowest flexibility debt first.  Keep your eyes on the prize and don't do silly things with your money. 

Comment 21 Aug 2019

I cringe every time I see this pic posted.  I mean.. he's just a kid after all.  It's not his fault his Dad is a tool and has probably downloaded all this weird shit into his head about fear of chickens, thinking you have the best circumstances of anyone you are aware of, and a strange affinity for steak, milk and Michigan. Like yea, let's absolutely take shots at his Dad, but we should leave the kids out of it.  Just my unsolicited two cents on a completely unrelated topic.  I beg your pardon and thanks for reading. 

Comment 02 Aug 2019

There are a lot of interesting tidbits of data in here.  Start with the osu email addresses (isn't this their "BuckID" names or something?) of the coaching staff (those that remain), Gene Smith, Michael Drake and tons of other folks in the athletic departments.  If my info was put out there like that, I'd try to get the university to give me a new one.

Saw an email containing a spreadsheet which indicated Kerry Coombs resigned in 2015.  I don't remember hearing about this.  Did I miss something 4 years ago?

Haven't gone through everything yet.. but I'm willing to bet there are some other nice little nuggets of info hidden in there.