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If your investing horizon is longer than 10 years, just get in now. Whatever volatility is in the market now will be irrelevant by then. Time in the market > timing the market You should also remember that something like 75% of the time, the market is trading within 5% of an all time high. And...

Going to make this a separate post. I think I mentioned before, but we were pricing out counter tops a while ago. We ended up getting them finished Monday, but it was a huge headache (although not so bad in retrospect). Long story short, the company was shit at keeping us in the loop which...

The other day we had a roofing guy come by to our house to try to sell us on a new roof and getting our insurance to pay. I told him my deductible was $10k, and I wasn't interested. He then told me that I should lower my deductible for $250, wait for a windy day, and then file a claim and he'd...

The goat thing is strange, because I've heard for past seasons they get briefed on what local flora/fauna they're allowed to eat. I guess maybe goats weren't on that list?

What's the item build for a support Weaver? Brown boots, wand, and straight into agh's?

Bummed about Caleb. Feel like he was entirely a casualty of an early merge. Although, he may have been on the outs with Sandra for all I know. And speaking of Sandra...what the fuck? 8 days and she's ready to say "Fuck you, baby goat!" I mean, I eat meat and all, but that seems like a pretty...

I don't pay for hats, but that Jugg arcana is fucking hot.

Yes. I was giving him motivation to stay the course in retirement. Does it hurt seeing a 30% drop? Absolutely. But if you're only going to sell off 3 or 4% of your portfolio in a year, it's only that 3 or 4% that gets hit by the full drop. And if you spread it over a year, it becomes even less...

Just think about the fact that you're not going to be selling a significant amount in the downturn. Most recessions are very short lived. Even the 2008 one bounced back most of the way within a year. So if you have $8M and we have a 30% decline, how much are you actually selling to survive...

That's...what I was saying. I think, if I understand what you wrote. As indexing gets bigger and bigger, fund managers will actually be able to finally make money again.

I wish people understood that it's possible to beat the index, but almost impossible to do it over an extended period of time. If a financial advisor is telling someone that it's worth their 1% cut because they can beat the market, a little critical thinking would tell you that if they could...

Mineski with what I think is probably the biggest throw I've ever seen in a pro game against TNC. Everyone but Alch is dead, and he tries to man up against the enemy team. What. The. Fuck? And then TNC has a bad high ground aegis push, but Dazzle graves an Alch illusion on their counter push.

It's crazy that there's a big winter storm. It was like fucking 88 degrees here today.

Only about 15 minutes into that, but it's infuriating. I want to punch every single "expert" they've had on there. I'm also tired of this romanticizing people have of pensions. It's like people think pensions have been the standard for hundreds of years or something. Pensions were around for...

They still charge $5 for HD? That was one of the biggest jokes for a television provider that I've ever seen. I've been without for 3 years now and I don't miss it one bit. Usenet for TV/movies, Netflix for "I don't give a shit" TV (which used to be Food Network or HGTV), and over the air for...

The teams have had so much change over recently, so I don't know who does what anymore, but I'd say the teams that are more focused on team fighting (especially early) will benefit from the recent changes. So that probably eliminates most of the Chinese teams (farm, farm, farm).

You mean you jinxed it. Asshole. Way to go!

"The Gang Goes to the Water Park" and "Hero or Hate Crime?" were probably both top 5 of all time episodes. I'm not sure what your 3rd is, but I thought "Making Dennis Reynolds a Murderer" and "PTSDee" were at least solid. "The Gang Tends Bar" also wasn't terrible and had some good laughs. But...

I'm kind of interested in seeing that now. I love to hike in the Sierras, and that's definitely something that happens often. In fact, I get great gas mileage every time we go just because you can coast for literally 10 miles and never have to accelerate.

Reminds me of driving through the almond farms outside Bakersfield. It's literally fucking mile after mile of almond trees in perfect rows.

I know football players have a different mindset, but to be 26 years old in his situation? Fuck, I'd take that deal in a heartbeat.

Redskins fans have been shit on for a long time, but the amount of people saying they're ready to boycott the team is significantly higher than I've ever seen. Also, saw a crazy Cousins to the Browns for Osweiler and picks type trade. The Browns are like an NFL Russian roulette that is always a...

It's amazing watching the qualifiers, as said above. You have a few standout teams (like PD and BeanBoys) who just shit stomp the competition in the opens. And then you get to the regional qualifiers and they don't stand a chance. They only gets wins against the other open qualifiers, if any.

I saw a Ford(?) commercial the other day, and it was basically about all the awesome safety features and how they'd help your teen drive; side mirror collision warnings, automatic braking for shit in front of you, etc. The premise was teen drivers are shit and would've hit all these things, but...

Ah, okay. Shit, that'd be WAY out of my price range then. I figured you just meant print as in a printed off copy of their original.

In all of this I completely missed Osweiler. I mean, yeah, I did bring up that he's got it made as a millionaire who sucks, but he doesn't even have to play for the Browns. Like, holy shit, is Osweiler one of the luckiest fucks to ever live? He got traded to the Browns and he doesn't even have...

Sid Meier's Pirates was a fucking blast. Someone needs to remake it with only updated graphics but keep the mechanics the same.

Shit, just saw the McCloughlan thing. Yep, fuck the Redskins. I'm done. My NFL "give-a-shit" meter was already pretty low, but this is pretty much it. Snyder and Allen are fucktards. Edit: That may have been hasty. Apparently dude hasn't shown up to work for the organization in a few weeks...

Osweiler's a damn fool, then. He made a shit ton of money for being a complete failure. Shit, he can retire tomorrow with a Super Bowl ring and millions of fucking dollars. And he sucked at his job. The world is a fucked up place.

I'm a complete art noob, but this confused me. You're buying prints, so what the fuck is a knock off? Isn't the print already basically a knock off?

I've stated before that I don't like them. So you're not alone. They seem like something I would have liked when I was 10, but now most seem dumb. Just having an idiotic premise or repeating the same word two dozen times isn't funny to me. There were a few skits that were good with the...

So instead of getting whatever picks a franchise QB would be worth, instead you get nothing. Oh, wait, not nothing...a 3rd round comp pick next year. Sounds like he's really thought it through.

If true, I've got to say, Bruce Allen might be the worst thing to happen to the Redskins since Snyder. Oh, he wants another fucking former Bucs personnel guy? Because those have been working out so well so far. Clown.

Now that one I don't agree with. Niners would be massively overpaying for Garcon if that's true.

I don't think anyone is questioning the Niners taking him. You do whatever you have to do to get a franchise QB. Personally, I think it's worth several first rounders for a guy you know is top 10. The alternative is you flounder around year after year with your first round picks not contending...

It sounds like maybe Cousins wants to be in San Francisco with Shanahan. If that's the case, I mean, what option does Washington have? They basically screwed the pooch with franchising him last year on a "prove it" deal. Now they have no leverage. Cousins either plays the franchise this year...

Glad I'm not the only one. I watched the first 8 (through the Namibia special) but haven't managed to care enough to finish the season. I never missed an episode of Top Gear with them on it, but there's just something about TGT that makes me not give a shit.

NA qualifiers have been shit stomps all around; meanwhile China right now is Newbee Boss vs VG. Open qualifiers are fucking weird. Wasn't familiar with Newbee Boss, either, but it's xiao8, OldEleven, Ferrari, Chuan, and Zei9. The Liquid site says it's an "entertainment" team, and not...

Health insurance premiums are non-taxable. The effect is that they lower your income on the W-2, so they're never calculated in your taxes. If you're not a W-2 employee, however, I have no clue how to calculate that.

Redskins extended Gruden for 2 years. First time in 18 years (8 coaches) that Snyder has extended a coach.