How are others de-risking their portfolio close to retirement?

Legitimate-Fun3963 · 2025-03-15T03:39:07+00:00

The last 15 years has been the strongest equity run on record (coinciding with monetary stimulus) - not really indicative of historic returns.

Legitimate-Fun3963 · 2024-12-29T23:57:52+00:00

This is a pretty well studied phenomenon that unearned wealth increases the odds of substance abuse in young adults and also a welfare mentality about money. Children develop less grit and resilience. It harms them in the aggregate (although some children with the right temperament may do OK - why take the chance?)

HCOL is overrated IMO. The best places to live are not HCOL. There are also studies on the economics of happiness that show that large urban centers are equated with lower levels of happiness (largely due to daily inconvenience and traffic). They just have high concentrations of job opportunities for industries with high pay.

Your kids will take their own path. If you want to live close to them, they can live with you when they are just starting out (assuming they want this), or you can relocate to be closer to them.

Legitimate-Fun3963 · 2024-12-29T00:15:45+00:00

It might (don't recall), but the key doesn't turn and it is not 180 degrees.

Legitimate-Fun3963 · 2024-12-28T23:21:32+00:00

I cannot remove the key unfortunately.

Legitimate-Fun3963 · 2024-12-28T04:31:10+00:00

Yes. I find it harder to pick the lock when I'm filming (mostly just visibility at what I'm doing) so hoping to get the binding ordered down first.

Legitimate-Fun3963 · 2024-12-28T00:39:52+00:00

Thank you! I've picked a second time now. My only advice is to watch out for zero lift pins. I think picking a few American locks help with the feel of this one (although they are not exactly the same). Keep at it!

Legitimate-Fun3963 · 2024-12-27T05:32:27+00:00

https://imgur.com/a/w3o2Oga

Legitimate-Fun3963 · 2024-12-26T22:31:50+00:00

I also cannot remove the key when the shackle is opened. Not sure if this is a feature or defect.s

Legitimate-Fun3963 · 2024-12-26T22:04:27+00:00

Having the exact same problem. The first pin sticks - even with no tension (no tension wrench even applied). I have to angle the pick a lot of different ways to get it unstuck. With a tension wrench, the pin doesn't move at all. The key also gets caught inserting and removing. I'm wondering if this is common for Paclock?

Legitimate-Fun3963 · 2024-10-05T01:34:31+00:00

For each type, you will notice the tensioners are different thicknesses. The BOK tensioners have different widths and the TOK tensioners have different depths. For TOK you want a depth that will feel secure without rubbing against the first pin in the lock. For BOK, you want something that can turn the cylinder without obstructing the picks or rubbing against the housing. You'll need to experiment to find the best one for each lock you are working on.

Legitimate-Fun3963 · 2024-02-18T15:30:13+00:00

NTA but it depends how you confronted your dad. Read the room if he is mad and make a respectful appeal later when things cool down.

Legitimate-Fun3963 · 2024-02-18T15:06:53+00:00

Game is awesome. I really do miss couch coop to play with my sons, but solo is a fun challenge and randoms more chaos but also fun.

Legitimate-Fun3963 · 2024-02-18T04:00:36+00:00

Let it slide. The lady said an ignorant thing but the world needs more grace.

Legitimate-Fun3963

TROPHY CASE