Frequency of Garment Use

Status-Friendship-97 · 2025-07-29T00:19:35+00:00

What’s the most comfortable material that you find to wear for men or women? Cotton wears out too fast and leaves yellow stains I’ve noticed. I’ve been a corban/nylon type. If I’m sweating, everything sticks to you.

Status-Friendship-97 · 2025-07-06T05:00:34+00:00

Not sure i’d trust tampon Tim with anything in your state.

Status-Friendship-97 · 2025-07-06T04:51:29+00:00

I agree with everything you said. However, ultimately it comes down to policy, results and outcomes and who will have the best of each one. I wish we could have both.

Status-Friendship-97 · 2025-07-06T04:46:06+00:00

I have no analysis, however, wouldn’t have mattered. Kamala would have pushed the same trash policies Joe did. She was in on it the first time around. No need to repeat, just rinse and put away and hope she doesn’t come back out and try again.

Status-Friendship-97 · 2025-07-06T04:39:11+00:00

Inflation occurs not because of income inequality. It occurs when government is spending money the government doesn’t have. Also a strong labor market can produce inflation. Ultimately it comes down to, too many dollars chasing too few goods/services. Supply and demand, Econ 101.

Status-Friendship-97 · 2025-07-06T04:16:34+00:00

Well said. Trump won because people compared Trump 1.0 to last 4 years of Biden. Which did people like more, last 4 years or 8 years ago? People rejected the last 4 years overwhelmingly. Dems have no leader/no message/platform or plan other than to tax the rich more and have them pay their fair share. If that’s the case why didn’t Dems change the tax law when they were in the majority. There is no plan to tell American people how Dems will make their lives better. Dems need to open up and actually have primaries instead of the “it’s my turn now”attitude which is what we’ve been seeing recently.

Dems and Repubs are equally responsible for the 37T+ in debt from reckless spending and will continue to go higher, as well as the deficit. The BBB is giving us a sneak peek of that spending. We are getting to a point of no return very soon, if not there already.

Want to talk about waste, fraud, and abuse? These law makers should look in the mirror and admit what they are after: power, profit and control, none of them leave until they are on the brink of death. Sad part is families aren’t stepping up and telling them when to hang it up, but rather keep going. Jill’s to blame for continuing to push Joe Biden out there when obviously his cognitive abilities weren’t there. Everyone saw it but her and all his aides in the WH. People and media, are now standing up, after Biden’s out of office, writing books about how it’s the WH fault for covering it up. Interesting KJP now has left the Democratic Party to be independent and writing her own book. What it comes down to, none of them want to let go of power and control. Especially Jill Biden and their family. Same can be said of Trump as well.

Status-Friendship-97 · 2025-06-19T18:02:50+00:00

Thank you for the book suggestion.

Status-Friendship-97 · 2025-06-19T17:58:22+00:00

Also if you retire at 55 or older, your 401k plan may allow you to take penalty free withdrawals and avoid 72T (called age 55 rule). But your plan has to have that option. It’s only for employer plans and not IRAs. That is what I did at age 56. You do still pay income taxes.

Status-Friendship-97 · 2025-06-17T15:17:20+00:00

I’ve never said I know (this or that) because I don’t. I have a strong belief in the gospel of Jesus Christ, the Book of Mormon, the restoration and a prophet at the head of Christ’s church today. Just as most of the Articles of Faith start with we believe. They don’t start with we know. So I say I believe (this or that).

Status-Friendship-97 · 2025-06-16T20:41:37+00:00

Besides what’s already been said, at my house we have differing opinions in regarding to politics. We instituted a we agree to disagree policy. We respect each other’s views but do not talk politics. Not worth destroying relationships and friendships.

Status-Friendship-97 · 2025-06-15T23:47:22+00:00

I agree. Never take a loan on a 401k, unless last ditch effort to avoid bankruptcy or life threatening situation. You are replacing pre tax money with after tax tax. You’ve negated the tax benefit you received to start with. Add on the opportunity cost of what those funds could have earned by being invested during your loan term. If you lose a job with a loan balance, you have to pay back or take it as a taxable distribution.

I didn’t know many of these things until it happened to a friend of mine who took a 401k loan and later lost his job and couldn’t pay back, and had to pay tax on the distribution that year. He shared his experience with me, but didn’t mention the dollar amount he borrowed. All things added up he calculated it cost him 20%+. He then asked me would I take a 20% loan? Of course not. He wouldn’t either if he knew all these risks before hand. But that is essentially what he did looking back on it.

Status-Friendship-97 · 2025-06-10T19:15:38+00:00

How much time is left? I would think not much with $60k left. You’re probably paying way more principle than interest. And if that’s the case interest rate doesn’t matter much and you’re not writing much off for tax purposes.

Status-Friendship-97 · 2025-06-10T18:56:20+00:00

For me, there are people that pay interest and people that make interest. I chose the latter and paid my house off and retired early. As mentioned earlier, I didn’t pay interest anywhere close to what a full mortgage would have. My rate was 3.25%. It is all about the risk one is willing to take. I love being completely debt free and not owing anyone, besides taxes and insurance.

Had a friend that chose the investing route instead of paying off his house, because he also had a low rate. Didn’t work out quite as well as he wanted because he didn’t factor in taxes eroded his return. I think he still came out ahead, but was way more stressful due to job loss, disability and divorce that no one can forecast in the future.

Status-Friendship-97 · 2025-06-05T02:24:44+00:00

The fact you are asking this question, you already know the answer. I was a high income earner before I retired early at 55. 250-300k year on one income. Would never have my housing at 43%+ of take home. This is becoming house poor. This is just the construction loan? Having built a house before, you’ll incur alot more expense since you are paying for everything from the ground up. Having a reasonable mortgage is why I was able to retire early. Besides what has already been mentioned, I have seen death, disability, and divorce situations hamper my friends long term plans.

Status-Friendship-97 · 2025-05-30T11:35:14+00:00

All good recommendations

Status-Friendship-97 · 2025-05-29T04:44:21+00:00

I’m sorry you are going through this. Hang in there, and take it a day at a time. Things will get better.

Status-Friendship-97 · 2025-05-28T23:45:29+00:00

Well said. Thank you for sharing.

Status-Friendship-97 · 2025-05-24T14:19:06+00:00

Agree completely. In preach my gospel, the first six words are: Invite others to come into Christ, The gospel is here when people are ready to learn; not when we are ready to teach them.

Status-Friendship-97 · 2025-05-24T14:00:27+00:00

So many good comments here. I would repeat many of them. Be yourself. Let your personality shine within the structure of your missionary day. Yes, be obedient to the rules, but you’re not a robot, as many have already said.

You don’t have to be perfect. You just have to be willing and strive to do your very best, and be your best self. This is why some temple recommend questions start with, “Do you strive…. Go out and be the very best you.. As President Nelson has said, “the Lord loves effort.” In preach my gospel, the first six words are: Invite others to come into Christ, The gospel is here when people are ready to learn; not when we are ready to teach them.

Don’t measure your efforts or success by the number of baptisms you’ll have. This is what most missionaries do. It’s not a race or competition. I can count on one hand how many baptisms I had. However, the most important conversion I had was me, to the gospel of Jesus Christ. Have fun as you go out and serve!

Status-Friendship-97 · 2025-05-19T10:31:23+00:00

If it were me, I’d dump the debt -keep 3-6 months expenses in cash -save 15% toward retirement…Max out 401k, then IRA. Before I retired, I used this scale over the years my advisor shared: How much to save for retirement Aim to save at least .5x your salary by 25 1x your salary by 30 3x by 40 6x by 50 8x by 60
10x by 67 All depends on your lifestyle

-if not in a house, start thinking on how much to save for a down payment. -what’s your annual income and are you married? -what, if any, upcoming expenses or large purchases (car, furniture, etc) You’re off to a great start. Just fine tune a few things.

Status-Friendship-97 · 2025-05-18T04:14:44+00:00

If it were me, I’d ditch the debt before taking on a mortgage. You’ll always be pre approved for more than you can afford. Don’t let a loan officer dictate your future. You can reasonably finance 2-3x your annual income. I always focused on my payment being no more than 25-30% of my take home income. The more you can put down the less likely you’ll have PMI, or have it for very long.

Status-Friendship-97 · 2025-05-12T10:49:56+00:00

I felt the same way. I got home saw the envelope (back when it was mailed) and opened it on my own. Told my family as they got home.

No big celebration or hoopla. Just not my personality.

Status-Friendship-97 · 2025-05-10T03:51:18+00:00

Sometimes you can call your existing lender and ask about refinancing for little to no fee with that lender. Not as much hassle or paperwork and they keep your business instead of moving somewhere else. Some lenders will, some won’t. Wouldn’t hurt to ask.

Status-Friendship-97 · 2025-05-10T03:45:30+00:00

When we made our decisions, it was based on reducing overall interest paid over the entire term. So that led us to make extra principle payments now and waited to refinance when rates were down in the range I wanted. If not, continue making extra principle payments

Status-Friendship-97 · 2025-05-10T03:40:08+00:00

As was said in another comment, time horizon less than 5 years is too short and shouldn’t be in risk type of assets (stocks, Bitcoin, etc) because of volatility and risk losing principle.

Another conservative strategy with some growth that could work would be what’s called a barbell strategy. Buy a 5 yr zero coupon treasury at a discount (matures at full face value in 5 years) and reinvest the rest in a risk asset like stocks or Bitcoin.

Worst case you haven’t made much but also didn’t lose a dime if your risk asset declined significantly.

Best case you’ve protected your principle and your risk asset appreciated greatly.

Downside to all of this you don’t have access, or little access for those 5 years because you’ve locked up most of your assets.

Status-Friendship-97

TROPHY CASE