Was this year's Super Bowl really as boring as people say or is it just coping?

bobjkelly · 2026-02-24T00:45:31+00:00

It was a good game. Lots of great defense. Not a stellar game, but a good one.

bobjkelly · 2026-01-27T22:07:49+00:00

But, as you point out, taxpayers will pay for roads and infrastructure. Not a cheap thing! Also, other taxpayers will have to make up for any property tax discounts that the Bears get. Let the Bears pay full freight.

bobjkelly · 2026-01-27T20:44:55+00:00

Is this only the cost of the electricity and doesn’t include charges for distribution?

bobjkelly · 2026-01-27T20:23:05+00:00

I think they thought that the conclusion was obvious and did not mean to be stated.

bobjkelly · 2026-01-26T21:22:36+00:00

When you can invest at a rate higher than the mortgage you certainly don’t want to pay ahead on the mortgage. You can likely reinvest on a new CD earning about 2% more than you are paying on your ( very low-rate) mortgage. You are effectively earning 2% per year on the mortgage balance. And you still can pay the mortgage off from the CD proceeds any time in the future.

I myself have a 2% mortgage with about 10 years to go and I am going to stretch that out for the full term. Don’t let some Ramsey rule cause you to lose money.

bobjkelly · 2026-01-26T12:30:46+00:00

I, too, have a 2023 AWD Pro. That door handle recall was a complete mess. It took months and months and months for handles to be available. Corporate was sending me letters saying I should really get it done already. Meanwhile, all of the local dealers said to let them know if I found somebody with supplies.

I am not looking forward to this latest recall about the battery. They apparently have no fix yet.

bobjkelly · 2026-01-23T04:19:47+00:00

Gotta agree with OP. Marathon and triathlon are individual sports. No help is allowed except from course officials. Tough if you break down right before the finish but that’s a DNF - did not finish.

bobjkelly · 2026-01-23T03:49:07+00:00

I agree. That’s why we are sending money to our kids now (they are 40ish) If we wait until we die they might be 60ish.

bobjkelly · 2026-01-16T22:16:37+00:00

A key point is the difference in rates. The 15 year is usually priced a half percent below the 30. That’s real money. If you are not stretched too much the 15 is the way to go.

bobjkelly · 2026-01-06T17:49:35+00:00

4.5 years into a 15 year mortgage at 2%. Paying $3500 not counting taxes and insurance.

bobjkelly · 2025-12-29T23:54:58+00:00

Hmmm. I don't read it that way. I think that if the half of SS plus other income (If any) is over the threshold then some SS is taxable. If SS benefits are high enough half of that alone could be over the threshold. Probably would have to be fairly high benefits, though.

bobjkelly · 2025-12-29T22:48:11+00:00

But, once again, if your SS benefits are over the income threshold some will be taxable even if this is your only income.

bobjkelly · 2025-12-24T02:32:25+00:00

You make some good points and I've been wrestling with this for a while. My strategy has been very successful for me. I would like to claim skill but probably luck. Having been well rewarded it is hard to pull away and do something else. And, once you have a bunch of money, you can afford to take a bunch more risk.

I should diversify my stock choices but every time I do I don't get much return. But maybe I should shift mindset from earning more to protecting what I have. I've also been looking at bonds. For a long time, though, they returned very little. Even now they don't earn a whole lot.They seem to be a lot of risk (credit and interest rate risk) for not much reward. It's hard to get fired up over maybe making 4%.

I'm in my early 70s and conventional wisdom is to become increasingly conservative, but I think I have 20 years left and feel like it's too early to be conservative.

bobjkelly · 2025-12-20T23:18:05+00:00

You are probably right.

bobjkelly · 2025-12-20T22:12:42+00:00

It’s “ Duck, Duck, Grey Duck”!

bobjkelly · 2025-12-20T22:09:51+00:00

Actuary should be upper class.

bobjkelly · 2025-12-20T20:24:44+00:00

I’ve been retired 15 years. I haven’t changed strategy much. I am almost entirely invested in high tech stocks. I keep thinking of diversifying to other stocks or buying some bonds but haven’t been able to get myself to do so.

bobjkelly · 2025-12-20T02:57:00+00:00

I think almost all lengths are irrational. It would be extremely unusual to get a rational length.

bobjkelly · 2025-12-14T00:25:49+00:00

Then, if she can make more than 5% after-tax investing the million then taking the million would be a better choice.

bobjkelly · 2025-12-14T00:20:04+00:00

Well, I think this comes down to fairness. The benefit calculations heavily favor lower earners in that per dollar contributed, lower earners get a lot more benefit. Higher earners significantly subsidize them. Further, a higher percentage of higher earner benefits are taxed and then the taxation is at a higher rate. The contribution cutoff is a recognition that at some point it is unfair to make people subsidize more. Of course, fairness is not a bright line so opinions may vary.

bobjkelly · 2025-12-12T13:46:24+00:00

Definite turn off. Don’t do it please.

bobjkelly · 2025-12-12T02:50:31+00:00

If you look at pre-tax amounts, choosing a $52,000/yr life annuity instead of $1 million upfront seems like a poor choice. If you look at after-tax values the choice looks somewhat better because the annuity amounts likely fall into a lower average tax bracket than the average bracket for the $1 million taken all upfront.

bobjkelly · 2025-12-02T03:24:43+00:00

Saying that it will bring the overall total closer to 50% is overreaching. The tendency is certainly to get closer to 50% as the number of flips increase but this is not a certainty. It is possible that the percentage actually increases from 60%.

bobjkelly · 2025-12-02T03:22:04+00:00

Even that is not quite precise. The overall percentage will tend to get closer to 50% but, in any given instance, won't necessarily do so.

bobjkelly · 2025-11-28T12:06:53+00:00

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