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LSUgal1988
Favorite team: | |
Location: | |
Biography: | |
Interests: | |
Occupation: | |
Number of Posts: | 52 |
Registered on: | 10/5/2017 |
Online Status: | Not Online |
Recent Posts
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re: I must be on the wrong board
Posted by LSUgal1988 on 10/24/17 at 7:18 am
Loss to Troy at home and 30 point loss to miss state.
re: Why we beat Bama and win the SEC this year
Posted by LSUgal1988 on 10/24/17 at 7:15 am
I will be surprised if LSU stays within 30 of Bama. I'm expecting a blood bath.
re: Drew Brees, Not Tom Brady, Really Is the G.O.A.T.
Posted by LSUgal1988 on 10/24/17 at 7:10 am
Brees has great statistics and has been a great QB. However, a good portion of his numbers are garbage time stats. Brees is a top 20 QB all time,but not top 10.
re: John Besh Steps Down as Head of Restaurant Empire
Posted by LSUgal1988 on 10/24/17 at 7:00 am
Do you think I should throw away my Besh cookbook in my kitchen? It's signed and a pretty hardcover book with good recipes. Does the author's indiscretions cancel out his good works?
re: Why do so many people dislike the yellow and orange Starburst chews?
Posted by LSUgal1988 on 10/24/17 at 6:57 am
Starburst are hanging on due to nostalgia.
If Starburst came out today, they wouldn't last on the market for six months. Terrible candy. So many superior firm chewy sugary sour candies on the market today.
If Starburst came out today, they wouldn't last on the market for six months. Terrible candy. So many superior firm chewy sugary sour candies on the market today.
re: Paying off home mortgage vs investing
Posted by LSUgal1988 on 10/24/17 at 6:56 am
tree fiddy thousand
Paying off home mortgage vs investing
Posted by LSUgal1988 on 10/24/17 at 6:50 am
I imagine this is a well discussed topic here, so sorry if I'm beating a dead horse asking this question.
My partner and I have over 50% of our incomes as discretionary.
We have no debt except our house mortgage.
We have maxed out on retirement accounts.
I believe firmly that our 30 year mortgage at about a 3.2% rate is essentially free money thanks to the government.
I have never lost money long term in the stockmarket. I've averaged 12% annual returns in my lifetime.
My partner believes we need to dump at least some of our excess income into paying down the mortgage.
We argue about it -- I say that for every year we pay $50,000 extra on the mortgage, we're losing about $4500 in stock market gains. Partner's argument rests in the high total cost of the interest over time, which I call sticker shock.
The only three arguments I can find for paying the mortgage down is you own the house, you eliminate debt, and the stockmarket returns are no guarantee. Considerable positives, but I play the averages, and I feel like if I pay off a 3% loan quicker than I have to it means I'm burning money.
What are your thoughts?
My partner and I have over 50% of our incomes as discretionary.
We have no debt except our house mortgage.
We have maxed out on retirement accounts.
I believe firmly that our 30 year mortgage at about a 3.2% rate is essentially free money thanks to the government.
I have never lost money long term in the stockmarket. I've averaged 12% annual returns in my lifetime.
My partner believes we need to dump at least some of our excess income into paying down the mortgage.
We argue about it -- I say that for every year we pay $50,000 extra on the mortgage, we're losing about $4500 in stock market gains. Partner's argument rests in the high total cost of the interest over time, which I call sticker shock.
The only three arguments I can find for paying the mortgage down is you own the house, you eliminate debt, and the stockmarket returns are no guarantee. Considerable positives, but I play the averages, and I feel like if I pay off a 3% loan quicker than I have to it means I'm burning money.
What are your thoughts?
re: I don't like how people here talk positively about drugs
Posted by LSUgal1988 on 10/22/17 at 8:38 am
It's clear you know nothing more about drug use in Nazi Germany than a simple one liner you read from some meme. Not surprising that a druggie like yourself would be so ignorant and make unsubstantiated claims.
re: I don't like how people here talk positively about drugs
Posted by LSUgal1988 on 10/22/17 at 8:29 am
Obviously not a student of history are you. Not surprising. Hitler was addicted to meth, cocaine and opiates. Go read a book, little child.
re: I don't like how people here talk positively about drugs
Posted by LSUgal1988 on 10/22/17 at 8:08 am
So I guess this is the druggie's version of if you are anti drug you are a book burning Nazi. What a moron that guy is.
re: I don't like how people here talk positively about drugs
Posted by LSUgal1988 on 10/22/17 at 1:05 am
You quoted someone who said that. I was responding to their claim that you quoted
re: I don't like how people here talk positively about drugs
Posted by LSUgal1988 on 10/22/17 at 12:59 am
Alcohol worse than heroin?
Go to a rehab facility and tell them that
Go to a rehab facility and tell them that
re: I don't like how people here talk positively about drugs
Posted by LSUgal1988 on 10/22/17 at 12:56 am
To be in control of my faculties at all waking times
To show others especially those struggling with addiction to alcohol that not everyone drinks alcohol
Boycott a corrupt business that feasts on peoples weakness
Overall negative health impact
Water is cheaper
Just a few off top of my head
To show others especially those struggling with addiction to alcohol that not everyone drinks alcohol
Boycott a corrupt business that feasts on peoples weakness
Overall negative health impact
Water is cheaper
Just a few off top of my head
re: I don't like how people here talk positively about drugs
Posted by LSUgal1988 on 10/22/17 at 12:51 am
No
re: I don't like how people here talk positively about drugs
Posted by LSUgal1988 on 10/22/17 at 12:50 am
Enjoy the heart attack you supporter of international terrorism and organized crime
re: John Besh and Company Accused of Sexual Harrassment
Posted by LSUgal1988 on 10/22/17 at 12:46 am
I never ate at his restaurants but I thought his show on pbs was bad. Guy grew up in the suburbs acting like he's a bayou Cajun when it suites him and a refined New Orleanian when he wanted that projection. He always seemed fake to me on tv.
Wouldn't a $2400 limit on 401k kill Wall St
Posted by LSUgal1988 on 10/22/17 at 12:35 am
Have to think a a substantial percentage of money invested is in retirement plans. If that money dried up due to new lower limits, wouldn't that have a pretty big negative impact on the stock market?
re: Whatever happened to LSU Elvis?
Posted by LSUgal1988 on 10/22/17 at 12:27 am
His name was Bo
re: I don't like how people here talk positively about drugs
Posted by LSUgal1988 on 10/21/17 at 10:19 pm
If people can be banned for posting vulgarity, porn and copyright material, then why should people who post pro drug propaganda be allowed to post?
re: I don't like how people here talk positively about drugs
Posted by LSUgal1988 on 10/21/17 at 9:57 pm
If positive stories and jokes about drugs were not influential, advertising would not be a multi billion dollar business. There is no doubt in my mind decisions and opinions about drugs, among other things, have been influenced by the words, jokes and stories on this board.
And guess what -- many people on here do have issues. It's why they're here.
And guess what -- many people on here do have issues. It's why they're here.
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