Search found 80 matches
- Mon Jul 26, 2021 2:02 pm
- Forum: Off Topic
- Topic: Investing, Stock Market and Retirement Planning Thread
- Replies: 7121
- Views: 458126
Investing, Stock Market and Retirement Planning Thread
How much equity do you have in your house? Have you refinanced recently? Any interest in leveraging up your house to pay off some of this crap? I'm really glad I posed the question, as it's becoming clear that this is not a great idea. We just refinanced our house this spring, taking advantage of l...
- Mon Jul 26, 2021 1:00 pm
- Forum: Off Topic
- Topic: Investing, Stock Market and Retirement Planning Thread
- Replies: 7121
- Views: 458126
Investing, Stock Market and Retirement Planning Thread
keep in mind that if you cash out $80k, you'll need to set aside more than $13k in tax. Assuming you are in the 12% or 22% tax bracket, that $80,000 will be taxed at $9,600 or $17,600. Plus another $8,000 for your 10% penalty. So you'll need at least $17,600 if you are in the 12% tax bracket or $25...
- Mon Jul 26, 2021 12:05 pm
- Forum: Off Topic
- Topic: Investing, Stock Market and Retirement Planning Thread
- Replies: 7121
- Views: 458126
Investing, Stock Market and Retirement Planning Thread
Have you looked into consolidating/refinancing the loans? Even the federal loans, companies like earnest can drop the rate by a point or two with good credit. I don't think retirement liquidation should be totally off the table. You need to basically do an analysis of how much the loan costs you vs...
- Mon Jul 26, 2021 11:50 am
- Forum: Off Topic
- Topic: Investing, Stock Market and Retirement Planning Thread
- Replies: 7121
- Views: 458126
Investing, Stock Market and Retirement Planning Thread
Typo -- $45k. She's between $105k and $110k in total college debt. She's an OT.The only time you cash out retirement is to avoid bankruptcy. Short of that, don't touch retirement.
Stop retirement contributions, sell things, find ways to increase income.
450k federal loans...is she a doctor??
- Mon Jul 26, 2021 11:44 am
- Forum: Off Topic
- Topic: Investing, Stock Market and Retirement Planning Thread
- Replies: 7121
- Views: 458126
Investing, Stock Market and Retirement Planning Thread
I agree with robbie. That would be an absolute last move situation for me, and only during a crisis, like if you both lost your jobs and were out of work for a long time, etc. And even then, there are probably other debt relief options before I touched the 403b. We're definitely not going to make t...
- Mon Jul 26, 2021 11:42 am
- Forum: Off Topic
- Topic: Investing, Stock Market and Retirement Planning Thread
- Replies: 7121
- Views: 458126
Investing, Stock Market and Retirement Planning Thread
I'm looking for some advice here... My wife is in over her head with college loan debt -- around $60k in private loans. Not worried about the federal stuff, as her interest is low and has the possibility for relief. We also have around $7k in credit card debt. My 403B has $112k, and I'm 38. We're s...
- Mon Jul 26, 2021 11:17 am
- Forum: Off Topic
- Topic: Investing, Stock Market and Retirement Planning Thread
- Replies: 7121
- Views: 458126
Investing, Stock Market and Retirement Planning Thread
I'm looking for some advice here... My wife is in over her head with college loan debt -- around $60k in private loans. Not worried about the federal stuff, as her interest is low and has the possibility for relief. We also have around $7k in credit card debt. My 403B has $112k, and I'm 38. We're se...
- Wed Jan 13, 2021 9:32 am
- Forum: Pittsburgh Penguins
- Topic: mikey's Thread of Penguin Randomness
- Replies: 42868
- Views: 2878228
mikey's Thread of Penguin Randomness
Second time today I've seen @Defence21 snooping around...I see you, pal. State your case for or against Alex Nedeljkovic or be gone... ;) Haha, I found my way back after having lost my password. I guess the question is, is he still considered a prospect at age 25, or is he a finished product? If th...
- Fri Jun 16, 2017 5:27 pm
- Forum: Pittsburgh Penguins
- Topic: Pick any player in the NHL and add them to the Penguins.
- Replies: 64
- Views: 7387
Pick any player in the NHL and add them to the Penguins.
On a real quick skim, I'm shocked no one said Jamie Benn. Not sure he'd by my top choice, but he'd be in my shortlist of two or three.
- Fri Jun 16, 2017 11:15 am
- Forum: Pittsburgh Penguins
- Topic: Pens sign Filip Gustavsson to Entry Level Contact
- Replies: 24
- Views: 2842
Pens sign Filip Gustavsson to Entry Level Contact
My grandfather never trusted left-footed kickers.They don't trust you
- Tue Sep 06, 2016 10:36 am
- Forum: Pittsburgh Penguins
- Topic: Generation X Prospect/Young Player that you wanted to stick around, but didn't...
- Replies: 44
- Views: 4726
Generation X Prospect/Young Player that you wanted to stick around, but didn't...
I often wonder how many of those players might have a home in today's NHL. When you stop and think of it, the Penguins teams of the early 00s were absolute garbage, and these young players really had no one to support them and allow them to develop properly on the roster. I realize they were all dim...
- Mon May 23, 2016 12:35 pm
- Forum: Pittsburgh Penguins
- Topic: Pertinent Penguins Playoffs Posts
- Replies: 2290
- Views: 182013
Pertinent Penguins Playoffs Posts
With permission from Kicksave, I'm posting a link to an ad for several openings in my 12-year running fantasy hockey keeper league. If interested, learn more here.
Sorry for the commercial. Now back to your regularly scheduled panic.
Sorry for the commercial. Now back to your regularly scheduled panic.
- Mon May 23, 2016 12:32 pm
- Forum: Fantasy Sports
- Topic: 12-yr old fantasy keeper league seeking 2 managers
- Replies: 0
- Views: 12190
12-yr old fantasy keeper league seeking 2 managers
With permission from kicksave, I submit the following ad for two openings in my 12-year old fantasy hockey keeper league. We have two openings in a long-standing 16 team H2H Each Cat keeper league that began play in the 2005-06 season. 1. Facts about the league: -As noted, the league is headed to it...
- Wed May 11, 2016 8:58 pm
- Forum: Off Topic
- Topic: Gardening/Maintenance Thread
- Replies: 2006
- Views: 191543
Gardening/Maintenance Thread
I don't want to start a new thread, so I'm hoping this fits here, given that my deck is an extension of my garden... I plan on putting a new coat of semi-transparent Olympic stain on my deck tomorrow morning. I don't have a pressure washer to clean it off. Will just a broom and a hose do the trick? ...
- Thu Apr 28, 2016 4:33 pm
- Forum: Off Topic
- Topic: Pittsburgh Sports Media Thread
- Replies: 8066
- Views: 812738
Pittsburgh Sports Media Thread
Whoever that chick is that is on pens radio says the word 'obviously' waaaaaay too often. She also speaks very fast and doubles up on a lot of words. She likes to say "It's something that..." a lot, too. I hate to nitpick, but Bob Grove was fantastic, and they replaced him with an amateur who is yo...
- Fri Apr 22, 2016 9:51 am
- Forum: Pittsburgh Penguins
- Topic: This has a much different feel
- Replies: 33
- Views: 3948
This has a much different feel
I'm sure this has been discussed quite a bit, both in the regular season and over the last week, but this team has a much different feel than the teams of the past five or six years. Sullivan has the fellas playing between the whistles and for the most part avoiding the scrums that often got them in...
- Mon Dec 14, 2015 12:33 pm
- Forum: Pittsburgh Penguins
- Topic: Official fire johnston thread - join the crew
- Replies: 902
- Views: 84480
Official fire johnston thread - join the crew
Lastly, I want to point out something I have found strange coming from fans/media types. I keep reading and hearing that these Penguins aren't scoring (27th in the league, to be precise), but that's merely a product of a more defense-oriented, lower scoring NHL accross the board. Fine. I get that -...
- Mon Dec 14, 2015 12:05 pm
- Forum: Pittsburgh Penguins
- Topic: Official fire johnston thread - join the crew
- Replies: 902
- Views: 84480
Official fire johnston thread - join the crew
I'm all in for this change -- both in terms of relieving Johnston of his duties and in selecting Sullivan as his replacement. Johnston's firing was about more than his unwillingness to play Sprong. It wasn't about someone to fall on the sword. It was about a team with elite offensive talent that cou...
- Mon Dec 07, 2015 1:26 pm
- Forum: Pittsburgh Penguins
- Topic: Official fire johnston thread - join the crew
- Replies: 902
- Views: 84480
Official fire johnston thread - join the crew
It's hard to tell...the undertones of the conversations on here really seem to dictate we want Bylsma back...winning 2-1 is not fun, losing 5-4 is...that doesn't register with me personally, but uh...ya know, whatever... i wasn't a bylsma fan, but it's an interesting scenario you've posed...one whe...
- Mon Dec 07, 2015 11:43 am
- Forum: Pittsburgh Penguins
- Topic: Official fire johnston thread - join the crew
- Replies: 902
- Views: 84480
Official fire johnston thread - join the crew
Rutherford: “Well, we’re going to have to do something to change things up,” he said. “We have underachieved. We’ve definitely underachieved. We’re in a position where we shouldn’t be right now, and we know it. I am going to have to take a look at few things. Something needs to change.” Yohe later s...
- Tue Sep 29, 2015 2:32 pm
- Forum: Pittsburgh Penguins
- Topic: Preseason thread
- Replies: 845
- Views: 81303
Preseason thread
I grew up going to Chiefs games. It's really where my love of hockey started. I would love to be there tonight. The War Memorial definitely has a special place in my heart and this is great for the city. Enjoy it, meow! As did I. I started my hockey fandom sometime in either first or second grade -...
- Tue Sep 29, 2015 9:42 am
- Forum: Pittsburgh Penguins
- Topic: Preseason thread
- Replies: 845
- Views: 81303
Preseason thread
I grew up going to Chiefs games. It's really where my love of hockey started. I would love to be there tonight. The War Memorial definitely has a special place in my heart and this is great for the city. Enjoy it, meow! As did I. I started my hockey fandom sometime in either first or second grade -...
- Tue Sep 22, 2015 3:55 pm
- Forum: Pittsburgh Penguins
- Topic: Pens D on opening day
- Replies: 78
- Views: 9589
Pens D on opening day
If you trade someone and retain salary, and they go on LTIR... do you get the cap relief too? Yes, you would get cap relief during the regular season, but my understanding is that the relief does not extend into the offseason and preseason. The problem with this would be that the Penguins would be ...
- Fri Sep 18, 2015 4:56 pm
- Forum: Pittsburgh Penguins
- Topic: Penguins Facebook page
- Replies: 32
- Views: 4902
Penguins Facebook page
Its a marketing ploy. The illusion of more demand than there is. Its how they can justify ticket prices. I guess the answer is that it hurts the people purchasing tickets. So giving away or selling cheaply tickets to games with less than capacity crowds hurts those who already bought tickets? Sorry...
- Fri Sep 18, 2015 4:43 pm
- Forum: Pittsburgh Penguins
- Topic: Penguins Facebook page
- Replies: 32
- Views: 4902
Penguins Facebook page
Its a marketing ploy. The illusion of more demand than there is. Its how they can justify ticket prices. I guess the answer is that it hurts the people purchasing tickets. So giving away or selling cheaply tickets to games with less than capacity crowds hurts those who already bought tickets? Sorry...