I Called In Sick Today

[CobaltBlue 662]

Dave Ramsey is kind of crazy. He makes an unreal amount of money due to his referral network... lots and lots of tax and wealth management firms pay him a huge monthly fee to get access to his referrals in their area.

 

It's not cut and dried that one should live debt free. I could pay off my condo today, but I'd be giving up investment returns (~12% annualized since 2014), in exchange for my mortgage rate (3.75% net of the tax deduction). I'm for sure not going to average 12% per year forever, but even if I'm at 7%, I'm winning pretty hard on that spread. The problem is, not everyone is comfortable with that arrangement, because it is basically trading on margin.

 

The only way I would opt to pay my mortgage off is if the money was no longer material. And that shit is never happening.

IIRC he's okay with reasonable mortgages. He does say that if you're really hardcore, you can save up to buy a house outright, but I think mortgages are the only kind of debt that he's generally okay with.

[hank213 1,823]

are we sure irregardless is a word? i'm not sure its a real word but i'm not gonna google it.

 

just made it home from the des moines. that drive is pretty bleak. a deer flashed across the north bound lanes and made it into the median when i saw him and started to swerve into the right lane but the fvcker stopped before coming into south bound traffic. nearly died fellas. really makes you appreciate the little things, you know?

 

it is not, nor should it ever be. I think its usage has become tolerated because illiterate, mouth breathing, morons far out number even semi-erudite people that are trying to stave off the collapse of western civilization. For the rest of my days if someone says that word to me I will judge that person to be inferior and an appropriate target for my contempt. Much as I do when I hear the words "I seen...."

 

It's a real word in the way that all words are just a mutually agreed upon organization of sounds that we use to communicate verbally.

 

The barbarians are at the gates.

 

Dogs really don't sound fun to me. But maybe I'm missing out.

 

I mean what's to tell. She's a work friend, and she's my assistant basically, but we were in school together (she's an attorney) and I helped get her the job. Most days we just go to chipotle for lunch and shoot the shit. She's actually interviewing for another job today but we still have a chance to keep her, but I'm afraid our company is too big and too dumb to realize it. That's life.

 

Not much else going on for me. I've cut out soda altogether and am basically to no sweets either. Lost 5 pounds or so from that and I wanna start exercising more, but im very lazy and very pathetic so I'm struggling with that part. But one step at a time they say.

 

I saw guardians of the galaxy 2, if didn't mention that. Good movie. Very funny. Marvel does it right.

 

I quoted this to give you a heads up but Napla got ya covered with the card breach info.

 

 

Sorry for the lack of content (even more than usual) from me, I've been in Denver the last few days. Had to drive out kind of unexpectedly with my aunt, uncle, and dad to grab the family heirlooms in preparation to put my grandpa's house on the market. That place is crazy. He let this house go to shit (leaking roof, absolutely filthy, rotted gutters, porch warped, minor pipe leaks etc) and the realtors are listing for 411k and they said they expect it to sell quickly. They showed us a comp a couple blocks away that was similar condition for same price that went on the market 5/23 and went under contract the same day, so fingers crossed. He bought the house in like 1958 for 12k. Unfortunately, gramps didn't listen to us and protect his assets a few years ago but now that he's in a nursing home it's too late. Most likely all of what's left after taxes etc is going to go to the nursing home. Damn shame to see a lifetime of history and family reduced to basically a single uhaul truck making for the Nebraska state line.

[BigDMcGee 3,352]

it is not, nor should it ever be. I think its usage has become tolerated because illiterate, mouth breathing, morons far out number even semi-erudite people that are trying to stave off the collapse of western civilization. For the rest of my days if someone says that word to me I will judge that person to be inferior and an appropriate target for my contempt. Much as I do when I hear the words "I seen...."

 

 

 

Never had you pegged as a prescriptivist, Hank. That breaks my heart.

 

Napa Lite, on 25 May 2017 - 07:33 AM, said:

 

It's a real word in the way that all words are just a mutually agreed upon organization of sounds that we use to communicate verbally.

 

 

My man!

[SuitedAces21 2,722]

i'm with hank on this one. rules are rules, and we're nothing without our integrity.

 

i guess i'll have my card cancelled and have them issue me a new one. good thing i use the same card for every chipotle trip so only one was compromised.

[hank213 1,823]

well shit.

 

I guess it's been confirmed I'm on the wrong side of this issue. All bets are off with language so fleeblebruz the glox outta me.

[Essay21 2,385]

Sure, insult the guy with the doctorate.

[InternetExplorer 2,609]

$12k in 1958 is a little over $100k today. Must be in what became a nice area of Denver? Louisville has a few spots like that.

[hank213 1,823]

The area isn't particularly nice but it has been undergoing some gentrification the last 5 or 10 years. It's only a couple miles from downtown so that's the allure. Lots of companies coming in and renovating or, sadly, in some cases replacing these old baby boomer houses. They were saying most likely someone will buy this place for 400, put 200 in and sell it for 750 or so. I wish I had the time and/or resources to shepherd the project myself but I wouldn't do it while my family members still held the deed. It would be a nightmare of "advice" and demands to do things that might actually hurt the final product.

[David_Sklansky 1,903]

One of my earliest interactions with Tilty was implying he and his wife were sexually incompatible, becasue she wouldn't give him anal while his mother was living with them or something. With a little more experience, I get where he was coming from. This weekend, my partner and I were staying with xer family. Everything seemed normal, but then we got to the part of the night where we'd normally jump on Craig's List and find a stranger for xer to bang, xe got all weird and didn't want to do it in xer dad's house. I felt like I was going to explode for like four days.

[brvheart 1,752]

It's a real word in the way that all words are just a mutually agreed upon organization of sounds that we use to communicate verbally.

 

I actually used this line on my brother this weekend, and it played very similarly to saying it to Hank. So it was obviously awesome.

[David_Sklansky 1,903]

Bought a $600 Vitamix blender. Won't be here until Tuesday, which sucks, but I hope it's gonna be awesome.

 

I think I have that same blender. I always see the same one at smoothie/juice places, so I assume it's good, but I've never actually used it. I know it's lasted a lot longer than cheap blenders.

 

Dogs really don't sound fun to me. But maybe I'm missing out.

 

I have way too many pets, and honestly the only ones I actually enjoy are the ones who kill pests. But if I woke up single tomorrow, I'd rescue a pitbull puppy or something. They are smart, adorable, easily found because people are scared of them, and having a dog will trick women into thinking you are a real, adult person for some reason.

[Ron_Mexico 4,219]

The area isn't particularly nice but it has been undergoing some gentrification the last 5 or 10 years. It's only a couple miles from downtown so that's the allure. Lots of companies coming in and renovating or, sadly, in some cases replacing these old baby boomer houses. They were saying most likely someone will buy this place for 400, put 200 in and sell it for 750 or so. I wish I had the time and/or resources to shepherd the project myself but I wouldn't do it while my family members still held the deed. It would be a nightmare of "advice" and demands to do things that might actually hurt the final product.

 

That would require a lot of knowledge of quality contractors in the area, about $250k liquid, and to be on site for the 3 months it would take to get done. And I don't trust your design feel, Hank. I would need to be looped in

[Essay21 2,385]

I'm willing to handle all legal work for 10% of the gross sales price, but only if Ronny gets looped in.

[hank213 1,823]

That would require a lot of knowledge of quality contractors in the area, about $250k liquid, and to be on site for the 3 months it would take to get done. And I don't trust your design feel, Hank. I would need to be looped in

 

I'm hoping I can convince Christian El Moussa to consult, if you know what I'm sayin'.

[Ron_Mexico 4,219]

 

 

I'm hoping I can convince Christina El Moussa to consult, if you know what I'm sayin'.

 

Now you'll need $275k, but yeah, I'm in. I like most of her designs and wouldnt mind dropping a load on her

 

 

Wow, that escalated.

 

She's a lot of makeup and fake tits. Again, still in

 

Did you see that now they have a younger couple doing flip or flop Vegas?

[hank213 1,823]

Yeah, I watched one episode and decided I will wait a few more episodes for them to hopefully hit their stride before I give it another shot. But even then, I'm still not sure. Tarek was kind of a lovable doofus but this new guy just strikes me as a meathead being led around by her fake titties.

 

I saw some article that said there were several spin offs in the works for locations around the country. The article was about how they don't get any money on the spinoffs because of they way they structured their creative rights or something.

[Napa Lite 3,278]

First day went fine. A bit overwhelming at times. My boss is very laid back so that's cool. My cube is also almost in the corner so only one person really has reason to walk by me. I also sort of have a window view, so that's neat.

[SuitedAces21 2,722]

hey way to go napa!

 

how high are these cube walls? if i ever leave my job and have to go back to a cube it will a tough period of adjustment, but i like to think i'm strong enough to make it through even the roughest of circumstances.

[Napa Lite 3,278]

Plenty tall. Maybe 6 feet? There's a section of the office where the cube walls aren't high enough to block your line of sight sitting down and I almost have an anxiety attack just walking by. Could never work like that.

[SuitedAces21 2,722]

it's inhumane to put people in those low wall cubes. the geneva convention really dropped the ball on that one.

[InternetExplorer 2,609]

My previous spot was literally no cube walls, just open desks. I had adjusted to it over the course of 1.5 years, and after I moved back to a tall cube setup, I was shocked at the productivity increase. I don't need an office, just the freedom to not listen to all the random bullshit going on around me, and for people to understand not to stop by and chat.

[SuitedAces21 2,722]

nap, any hotties in the new office? lot of people find love at work, you could be next.

[Napa Lite 3,278]

Just met some of the training team that are pretty easy on the eyes. No finger jewelry either.

[Essay21 2,385]

We'll keep your head on a swivel and make the world a better place for at least one lucky lady.

 

I'm a big fan of clients who served in WW2. I only have two left, one having died last year, but the stories are fascinating.

[BigDMcGee 3,352]

 

 

I'm a big fan of clients who served in WW2.

 

Specializing in Elder law, are you?