Search found 80 matches

by Defence21
Mon Jul 26, 2021 2:02 pm
Forum: Off Topic
Topic: Investing, Stock Market and Retirement Planning Thread
Replies: 7075
Views: 450396

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...
by Defence21
Mon Jul 26, 2021 1:00 pm
Forum: Off Topic
Topic: Investing, Stock Market and Retirement Planning Thread
Replies: 7075
Views: 450396

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...
by Defence21
Mon Jul 26, 2021 12:05 pm
Forum: Off Topic
Topic: Investing, Stock Market and Retirement Planning Thread
Replies: 7075
Views: 450396

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...
by Defence21
Mon Jul 26, 2021 11:50 am
Forum: Off Topic
Topic: Investing, Stock Market and Retirement Planning Thread
Replies: 7075
Views: 450396

Investing, Stock Market and Retirement Planning Thread

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??
Typo -- $45k. She's between $105k and $110k in total college debt. She's an OT.
by Defence21
Mon Jul 26, 2021 11:44 am
Forum: Off Topic
Topic: Investing, Stock Market and Retirement Planning Thread
Replies: 7075
Views: 450396

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...
by Defence21
Mon Jul 26, 2021 11:42 am
Forum: Off Topic
Topic: Investing, Stock Market and Retirement Planning Thread
Replies: 7075
Views: 450396

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...
by Defence21
Mon Jul 26, 2021 11:17 am
Forum: Off Topic
Topic: Investing, Stock Market and Retirement Planning Thread
Replies: 7075
Views: 450396

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...
by Defence21
Wed Jan 13, 2021 9:32 am
Forum: Pittsburgh Penguins
Topic: mikey's Thread of Penguin Randomness
Replies: 42382
Views: 2836940

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...
by Defence21
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: 7352

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.
by Defence21
Fri Jun 16, 2017 11:15 am
Forum: Pittsburgh Penguins
Topic: Pens sign Filip Gustavsson to Entry Level Contact
Replies: 24
Views: 2807

Pens sign Filip Gustavsson to Entry Level Contact

They don't trust you
My grandfather never trusted left-footed kickers. :shock:
by Defence21
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: 4704

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...
by Defence21
Mon May 23, 2016 12:35 pm
Forum: Pittsburgh Penguins
Topic: Pertinent Penguins Playoffs Posts
Replies: 2290
Views: 181573

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. :)
by Defence21
Mon May 23, 2016 12:32 pm
Forum: Fantasy Sports
Topic: 12-yr old fantasy keeper league seeking 2 managers
Replies: 0
Views: 11508

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...
by Defence21
Wed May 11, 2016 8:58 pm
Forum: Off Topic
Topic: Gardening/Maintenance Thread
Replies: 1971
Views: 186516

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? ...
by Defence21
Thu Apr 28, 2016 4:33 pm
Forum: Off Topic
Topic: Pittsburgh Sports Media Thread
Replies: 8056
Views: 803898

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...
by Defence21
Fri Apr 22, 2016 9:51 am
Forum: Pittsburgh Penguins
Topic: This has a much different feel
Replies: 33
Views: 3930

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...
by Defence21
Mon Dec 14, 2015 12:33 pm
Forum: Pittsburgh Penguins
Topic: Official fire johnston thread - join the crew
Replies: 902
Views: 84107

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 -...
by Defence21
Mon Dec 14, 2015 12:05 pm
Forum: Pittsburgh Penguins
Topic: Official fire johnston thread - join the crew
Replies: 902
Views: 84107

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...
by Defence21
Mon Dec 07, 2015 1:26 pm
Forum: Pittsburgh Penguins
Topic: Official fire johnston thread - join the crew
Replies: 902
Views: 84107

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...
by Defence21
Mon Dec 07, 2015 11:43 am
Forum: Pittsburgh Penguins
Topic: Official fire johnston thread - join the crew
Replies: 902
Views: 84107

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...
by Defence21
Tue Sep 29, 2015 2:32 pm
Forum: Pittsburgh Penguins
Topic: Preseason thread
Replies: 845
Views: 80944

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 -...
by Defence21
Tue Sep 29, 2015 9:42 am
Forum: Pittsburgh Penguins
Topic: Preseason thread
Replies: 845
Views: 80944

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 -...
by Defence21
Tue Sep 22, 2015 3:55 pm
Forum: Pittsburgh Penguins
Topic: Pens D on opening day
Replies: 78
Views: 9549

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 ...
by Defence21
Fri Sep 18, 2015 4:56 pm
Forum: Pittsburgh Penguins
Topic: Penguins Facebook page
Replies: 32
Views: 4858

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...
by Defence21
Fri Sep 18, 2015 4:43 pm
Forum: Pittsburgh Penguins
Topic: Penguins Facebook page
Replies: 32
Views: 4858

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...