Random Thoughts That Don’t Warrant Their Own Thread 2019

Discussion in 'The Mainboard' started by Celemo, Jan 1, 2018.

  1. The Real Roy Williams

    The Real Roy Williams Oklahoma Sooners, OKC Thunder
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    Shit. I’ve struggled with addiction since I was 17. I’m 36. This is a good thing for me and I think for her too.

    Not to discount or talk bad on your past problems. a.tramp I just think I’m doing the right thing.
     
    #19051 The Real Roy Williams, Apr 12, 2019
    Last edited: Apr 12, 2019
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  2. a.tramp

    a.tramp Insubordinate and churlish
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    I actually am not referring to her. I am referring to continuing to treat your house as a performance hall that I dare say brings along certain elements with it.

    But now that you mention it. I am referring to her. And you. You worried about true love and a family and you have not been sober for how long? You have shit you have to get straight on your own before you can consider that. You have to learn how to deal with this shit yourself.

    If you think this girl is good enough to get sober for but you could not get sober for yourself, you are setting yourself up for a catastrophic failure down the road.
     
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  3. Crepeswithasmile

    Crepeswithasmile Well-Known Member
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    congratulations on turning that little girl's mom into a fucked up drunk/druggie again after 10 years sober. that's awesome man.
     
  4. racer

    racer Forecheck, Backcheck, Paycheck, buddy.
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    Pic of gf with her high beams on plz

    [/90sjenniferanniston]
     
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  5. CF3234

    CF3234 Fan of: Bandwagons
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  6. The Real Roy Williams

    The Real Roy Williams Oklahoma Sooners, OKC Thunder
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    She’s always made her own decisions. She relapsed before I even started talking to her again. It’s not like we were getting hammered everyday. My thing was more of a slow yet consistent thing. We’re quitting together. Think I’m a POS all you want. I always go out of my way to help and protect the people I’m close to while putting myself last. It was my decision to go to rehab. It’s gonna take a hit on my savings but my life and having a life is more important than anything else. I will take care of family over everything.
     
  7. Truman

    Truman Well-Known Member
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    Theres a podcast I listen to that has a truck driving school advertise on it. It always makes me think of Top Gun
     
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  8. MK 3rds

    MK 3rds Dork

    So the AF is currently teaching me basic electronics and electric theory, and today we learned the word "tribolectric" which is apparently similar to static but I just picture electrons furiously scissoring
     
    #19059 MK 3rds, Apr 12, 2019
    Last edited: Apr 12, 2019
  9. Toast

    Toast Doowutchyalike
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  10. pearl

    pearl Fan of: White wimmens feet
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    I have 13 months left of payments for my car, with a little over $3300. I also have a mutual funds account setup with enough money to cover the remaining balance on my car. I know I’ll take the tax hit but I’m really ready to get rid of this car payment, I’m conflicted.
     
  11. tjosu

    tjosu This is kind of like the breakfast club, huh?
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    What's the tax hit? What's your interest rate on the loan?
     
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  12. PCH

    PCH 2017 & 2019 National Champions - Clemson Tigers
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    Fuck you. That's below the belt
     
  13. pearl

    pearl Fan of: White wimmens feet
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    3.45% Interest rate on the car payment. I’ll have to check with my portfolio adviser on the tax rate for the mutual funds account
     
  14. dallasdawg

    dallasdawg does the tin man have a sheet metal cock?
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    usually the buy off amount is different than the sum of your payments, so ask the lender

    also, what’s the yield on the mutual fund in the last year? another factor to consider. maybe that $3300 will earn you $300 over the next 13 mo. is it worth $300 to get out now?
     
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  15. tjosu

    tjosu This is kind of like the breakfast club, huh?
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    Ah, so you're referring to an early distribution tax on the fund? Like was just said, if you're getting more than 3.5% back in the fund, a general thought is you might be better off keeping that money there and earning a net positive. I understand the feeling of getting rid of debt though and freeing up that monthly payment to invest further; that was my strategy when paying off my student loans and I'll likely do the same with the car loan I just took on

    Different question...how much are you paying for this adviser? In my opinion, that's where you could free up some funds unless you just refuse to learn to manage your stuff yourself
     
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  16. teel

    teel Dan Jones fan
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    I have a friend that’s been in France since April 1 for work and I just received a text simply saying “I want to come back to America” and let me tell you folks that is a hilarious sentence to see typed out
     
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  17. pearl

    pearl Fan of: White wimmens feet
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    tjosu
    Looking at the tax form from this past year. The total capital gain distribution was $250.94

    The reason why I’m thinking about it is because knocking out my total car payment know will free up an extra $325-$425 of my monthly income.
     
  18. Tiffin

    Tiffin Florida is a penis.
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    Hope they're not locked up abroad.
     
  19. teel

    teel Dan Jones fan
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    I have not ruled anything out
     
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  20. tjosu

    tjosu This is kind of like the breakfast club, huh?
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    Depending on the total amount you have in that fund, that's a decent return and well over the interest you're paying on your car loan. However, like I said, I definitely understand the perspective of what you're thinking. You'd likely get different advice from different people and it's not a one size fits all answer as everyone's situation is different. For me personally, with the amounts you're talking about, I'd pay off the loan because at your rates of return we're talking about pretty minimal differences overall
     
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  21. Truman

    Truman Well-Known Member
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  22. pearl

    pearl Fan of: White wimmens feet
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    It’s a little over $3100 in the mutual funds account. Back in 2015 when I started it, I initially was putting in $50 a month the account with a 10% annual increase (I think it’s $73 a month now.) I figure I knock out my car payment, I can start putting $100 into the account which will get me back to where I was in a shorter time frame
     
    #19073 pearl, Apr 13, 2019
    Last edited: Apr 13, 2019
  23. The Real Roy Williams

    The Real Roy Williams Oklahoma Sooners, OKC Thunder
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    And fuck you rapes smiley guy. I bet you were some frat dude that did a bunch of coke at school and thought thatt was the acceptable thing to do. I’m trying to fix my stuff and so is she. You don’t have to be a disk abouti it. PCH thanks for taking my back. Not just this but before.
     
  24. Arkadin

    Arkadin inefficiently efficent and unclearly clear
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    His ex wife was an addict. He's speaking from a place of experience and for you to get through your shit that's the kind of people you should listen to
     
  25. Toast

    Toast Doowutchyalike
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  26. BayouMafia

    BayouMafia this that slumdog millionaire Bollywood flow
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    At the end of my first 3 week work trip to India when the Customs guy handed me back my passport and said “Welcome Home” I thought I would cry :americanzi:
     
  27. Corky Bucek

    Corky Bucek Cofounder of the TMB Saturn S-Series Club
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    Spent today at the Grand Prix of Long Beach. Here is a picture.

    [​IMG]
     
  28. Truman

    Truman Well-Known Member
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    Masters, NBA Playoffs, NHL Playoffs, GOT Premiere.

    What A Sunday.
     
  29. REGGNECK

    REGGNECK Hard to be soft , tough to be tinder.
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    I think we need another tiger thread...
     
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  30. teel

    teel Dan Jones fan
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    the sun and metal bleachers is giving me sweating anxiety
     
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  31. Nandor The Relentless

    Nandor The Relentless Creepy Paper
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    The new Popsockets with the swappable top doesn't stick worth a shit to my phone case.
     
  32. Simon Templar

    Simon Templar Well-Known Member
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    Lol at a grown man using a pop socket.
     
  33. Nandor The Relentless

    Nandor The Relentless Creepy Paper
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    Look at this jealous bitch :smug:
     
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  34. racer

    racer Forecheck, Backcheck, Paycheck, buddy.
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    I like to stick them to my desktop and use it as a fidget toy.
     
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  35. Degausser

    Degausser Well-Hung Member
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    They're very satisfying to play around with. My wife has one on her phone that I mess with when she just has it laying around.
     
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  36. 941Gator

    941Gator TMB's resident beach bum
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  37. Boo MFer!

    Boo MFer! Creator of the 'Official Dads of TMB' thread.
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    Reminds me of the time Cocc told me he was fishing near the Skyway and saw a shark bite a floating port-a-potty in half.
     
  38. 941Gator

    941Gator TMB's resident beach bum
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    I can say I've swam* in the water under the skyway

    *for a full 3 seconds and never letting go of the ladder.
     
  39. Boo MFer!

    Boo MFer! Creator of the 'Official Dads of TMB' thread.
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    You’re braver than me.
     
  40. teel

    teel Dan Jones fan
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    sometimes when I’m bored I’ll open TouchTunes and see what’s playing at nearby bars
     
  41. Goose

    Goose Hi
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    I like Billie Eilish





     
  42. dump

    dump Rookie Of The Year
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    congrats?
     
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  43. 941Gator

    941Gator TMB's resident beach bum
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    to you as well I guess?
     
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  44. Goose

    Goose Hi
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    Is this the wrong thread to post random thoughts?
     
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  45. dump

    dump Rookie Of The Year
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    Yes of course
     
  46. The Real Roy Williams

    The Real Roy Williams Oklahoma Sooners, OKC Thunder
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    Well I did not know that. no hate. Crepeswithasmile I’m just trying to do the right thing and I think this is it. I might be doing the wrong thing but willing to take the chance. So peace out to everybody. I might be out but might post tomorrow. Hopefully I don’t get shanked on first day.
     
  47. 941Gator

    941Gator TMB's resident beach bum
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    Driving or flying to Passages in Malibu?
     
  48. dallasdawg

    dallasdawg does the tin man have a sheet metal cock?
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    you’re going to rehab not prison lol
     
  49. lechnerd

    lechnerd They say Monaco is a sunny place for shady people
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