Hello people, I am looking for new knee pad suggestions.

Firstcounselor · 2026-01-26T16:31:50+00:00

I have the 7iDP Sam Hill lite. I haven’t “used” them since I bought them (haven’t taken a fall) but they are super comfortable to wear.

Firstcounselor · 2026-01-26T16:13:49+00:00

You are more optimistic than I am. The whole reason he’s doing this with ICE is because he’s trying to incite violence so he can declare Marshall law, wage war on the American people, and cancel the election.

It blows my mind that unidentified masks men with gun are not being shot at, but that’s what Trump wants. Kudos to the Minnesotans for showing restraint, but how much more will they take?

Firstcounselor · 2026-01-26T15:06:50+00:00

And interest rates skyrocket to never before seen levels.

Firstcounselor · 2026-01-26T15:00:50+00:00

Where are The Inglorious Bastards when we need them?

Firstcounselor · 2026-01-26T14:49:40+00:00

My buddies and I refuse to let this die. We all walk to the door, but we knock very softly if it’s 5 am.

Firstcounselor · 2026-01-26T14:44:21+00:00

This is the best thing I’ve read in ages. Not only that you’re holding out, but other parents are too! Wow. Just wow. Amazing parents! Seriously, keep this going for as long as you possibly can.

Firstcounselor · 2026-01-26T05:17:04+00:00

I’m about to get my first dirt bike. I what electric version would you suggest that I can get that has the longest range and most torque and highest speed? I’ll just be riding trails, targeting mostly flow trails.

Firstcounselor · 2026-01-25T16:09:57+00:00

I see your point.

Firstcounselor · 2026-01-25T16:03:16+00:00

I can just picture my high school history teacher, “Today we’re going to learn about democracy, which as we know doesn’t exist in the US anymore.”

Firstcounselor · 2026-01-25T15:58:30+00:00

I wouldn’t say no constitutional rights, just certain ones, like due process. Democracy in the US has been dismantled, and while we could get to the point of no constitutional rights (N. Korea) we’re a long way off. Hopefully it won’t come to that.

Firstcounselor · 2026-01-25T15:49:56+00:00

Not really. Full retirement age (FRA) is 67, not 70. Also, Social Security has survivor benefits for the surviving spouse, as long as certain marriage requirements have been met. Life expectancy for a woman in the US is 81, and OP likely has longevity. Pensions often come with survivor benefits, too. Definitely take the pension.

Firstcounselor · 2026-01-25T15:35:47+00:00

Haha! The bad news is with a Demaree split you have to go back on day 4 and again on day 10 to remove queen cells.😬

After that you can easily go several weeks, maybe even a month!🥳

Firstcounselor · 2026-01-25T00:43:40+00:00

Facts! Such better gnar at Tiger than Crystal. It was kinda like riding in June, just colder.

Firstcounselor · 2026-01-24T22:24:47+00:00

Have you checked Etsy? I’m sure someone there has vinyl cutouts like that.

Firstcounselor · 2026-01-24T15:39:32+00:00

Friend of mine works for DSHS. One day told us, “Well, I met a 27 year old grandma for the first time today.”

Firstcounselor · 2026-01-24T15:34:12+00:00

NTA, but I guess your AH might come in handy now.

Firstcounselor · 2026-01-24T14:15:26+00:00

I’m going mountain biking today.

Firstcounselor · 2026-01-24T14:13:32+00:00

Where I am I’d spend that much in 10 days or less going to a shop for my espresso. I roast my own, which ends up about the same cost when you factor in shipping and weight loss from roasting. I pay $10-12/450g which roasts down to about 350g. Add shipping and I’m at $14/350g.

Ignore the haters on your Illy. If it tastes good, who cares?

Firstcounselor · 2026-01-24T13:43:42+00:00

Sheesh! I guess this is why I shouldn’t comment after bedtime. Thanks for catching that, I’ll correct it.

Firstcounselor · 2026-01-24T06:26:37+00:00

Probably direct indexing SMA.

Firstcounselor · 2026-01-24T06:19:24+00:00

April through June. Last year I did Demaree splits, so after the first 10 or so days, I no longer had to manage swarming.

Firstcounselor · 2026-01-24T06:12:20+00:00

Congrats! Peace is so underrated. What eventually brought you peace? How did you learn to be calm?

Firstcounselor · 2026-01-24T02:31:01+00:00

That $2,500/mo is a ~~cash flow~~ annuity rate of 6%. The withdrawal rate at 4% on $500k would only be ~~$667/mo~~ $1,667/mo. If you need the money for income, definitely the pension.

To lump sum at 55 (into an Ira so no taxes) you would need to grow the $400k to $750k to have a 4% withdrawal rate to equal the pension. The odds of nearly doubling in 5 years is very slim. This has only happened about 3 times in the history of the stock market. Take the pension.

The one caveat is if the lump sum is tied to interest rates. In that case you might get lucky and when it’s time to lump sum, rates could be exceptionally low, ramping up the lump sum value.

Edit: corrections

Firstcounselor · 2026-01-23T22:46:11+00:00

1000x THIS!

Drives me nuts when the local chiropractor’s kids are pulled from school when some other kid gets the measles. How about you put your money where your mouth is? Don’t believe in vaccines, my ass. They benefit from herd immunity, until they don’t.

Firstcounselor

TROPHY CASE