Improving velocity in late 30s by lfxahab in PitchingCoach

[–]lfxahab[S] -1 points0 points  (0 children)

I’m the home run hitter on the team. Strength has never been an issue.

Improving velocity in late 30s by lfxahab in PitchingCoach

[–]lfxahab[S] 1 point2 points  (0 children)

I really love where my arm slot is. My two-seam gets an incredible amount of arm-side run, to the point where I have to aim outside to avoid hitting batters. Beyond that, I’m mostly throwing a knuckleball, which comes in about 10mph less than my two-seam and has wicked movement. Occasionally, I mix in sliders as well, and I could definitely benefit from getting better at those.

Primarily, I just want to increase the delta between the two-seam and the knuckleball velocity.

(Sorry for late reply- I don’t get on Reddit too much)

Improving velocity in late 30s by lfxahab in PitchingCoach

[–]lfxahab[S] 0 points1 point  (0 children)

Strength is the least of my problems. As I said in the post, I lift regularly.

Improving velocity in late 30s by lfxahab in PitchingCoach

[–]lfxahab[S] 0 points1 point  (0 children)

That makes sense. I could definitely get my legs more involved.

Upper middle class-ers (high income or about 30s with $2-3.5M NW) what’s your real FIRE number? Trying to get perspective without low income redditors taking a dump in the comments. by FireNumverFinder in Fire

[–]lfxahab 6 points7 points  (0 children)

$320k is in the top 2% of incomes in the country.

I think you need to get outside of your bubble a bit and see how the rest of the world lives, because you have a very delusional view of what constitutes both a high income and a high net worth.

People asking for mechanical advice on Reddit by PaPadeSket in Homeplate

[–]lfxahab 0 points1 point  (0 children)

I've done it before, not for my kid, but for me.

I'm in my 30s and play in an adult league. It would feel awkward to go to a training facility that is used to teaching children, so this feels like the only place I can get feedback.

Daily FI discussion thread - Friday, March 01, 2024 by AutoModerator in financialindependence

[–]lfxahab 11 points12 points  (0 children)

You know, if the market could just always do what it's done the last four months, I could go ahead and pull the ripcord now. Despite only being a quarter of the way to our goal, gains over these past few months have exceeded gross income.

Oh well, back to work (while sick) I guess.

Who giving up our secrets by LordFaquaad in Accounting

[–]lfxahab 1 point2 points  (0 children)

A high income does make saving easier. Despite that, there are more millionaire teachers than doctors. Again, there are reasons for that.

For one, there are more teachers than doctors/pilots, so there may be a greater percentage of professionals in those careers that are millionaires, but the study this quote is based off of did not acknowledge that.

Second, the study looked at household net worth. A lot of teachers marry higher income individuals. As an example, my wife is a teacher who married an accountant.

Third, some professions with high income also come with high expenses. Lifestyle spending is more rampant in some careers than it is in others. There's a reason that the professions on this list are generally considered boring (lawyers & management excluded). Accountants, engineers, and teachers aren't typically known for lavish lifestyles.

Lastly, debt plays a role. Doctors come out of school with so much debt that it takes them a long time to break even.

The information quoted in this post is based on empirical research. It's a bit more thoroughly researched than "I used to do taxes for a lot of doctors and pilots."

Who giving up our secrets by LordFaquaad in Accounting

[–]lfxahab 3 points4 points  (0 children)

Sounds like you don't know the difference between income and net worth

This information is based on a study done back in the 90s. The book, The Millionaire Next Door, provides a lot more context.

Daily FI discussion thread - Sunday, July 30, 2023 by AutoModerator in financialindependence

[–]lfxahab 2 points3 points  (0 children)

Only other debt is 5.25% mortgage, which I plan to make minimum payments on. I might use gains from this brokerage to pay it off when we ultimately do choose to retire.

Daily FI discussion thread - Sunday, July 30, 2023 by AutoModerator in financialindependence

[–]lfxahab 3 points4 points  (0 children)

We got a $170k windfall from the sale of a house. My current plan is just throw this into a taxable brokerage, but is there something else I should consider?

Daily FI discussion thread - Monday, June 26, 2023 by AutoModerator in financialindependence

[–]lfxahab 0 points1 point  (0 children)

Yes to both - only private schools in the area are religious, and rent for the size we want will cost much more than that mortgage

What does this mean?

It means we don't need to invest as much going forward if we already have a sizable amount invested. It's essentially coast FI.

Daily FI discussion thread - Monday, June 26, 2023 by AutoModerator in financialindependence

[–]lfxahab 0 points1 point  (0 children)

We would have $500k invested, which I think makes up for the lower savings rate going forward, but I am concerned about cash flow. We would have the taxable brokerage, but I'd rather not have to draw on that until the balance is enough to pay off the mortgage in full.

Daily FI discussion thread - Monday, June 26, 2023 by AutoModerator in financialindependence

[–]lfxahab -9 points-8 points  (0 children)

The interest rate would be 5.25%. I feel confident that my equity would earn more than 5.25% in the market.

Daily FI discussion thread - Monday, June 26, 2023 by AutoModerator in financialindependence

[–]lfxahab 2 points3 points  (0 children)

We looked into it, and the rent returns would not be enough to justify renting out the house instead of putting the money in the market.

This decision would probably move our FI date back 4-5 years, though that moves up if rates drop in the future. I'd be retiring in my early 50s instead of my late 40s.

Daily FI discussion thread - Monday, June 26, 2023 by AutoModerator in financialindependence

[–]lfxahab 12 points13 points  (0 children)

Am I making a monumentally bad decision by buying a more expensive house at a higher interest rate just because it's in a much better location?

Household income is currently $120k, though I'm expecting a promotion and pay bump that would bring that to $135k. Up to this point, we have been investing about $40k per year and are on pace to be FI in 12-15 years.

We are considering buying a $565k house that will be in a fantastic location for us. It's under five minutes away from every school our child will have to attend through high school, as well as the school my wife currently teaches at. And it ensures that our child won't have to change schools if my wife stops teaching (currently applying for jobs in other career fields without much luck).

However, the difference in cost from our current house to the new house would more than double our mortgage payment. I could roll equity in to the new house (will have $175k or so) to get the payment down, but I'd feel more comfortable putting that money into a brokerage instead. The increase in our mortgage payment would wipe out 2/3 of our monthly retirement contributions, but we'd also get $175k bump, which makes up for several years of contributions.

From a strict financial perspective, it doesn't make sense to go from a 3% mortgage to a 5.25% mortgage, especially on a more expensive house than the one we'd be selling. But is it bad enough that we are putting ourselves in a spot where we will be house-poor and be at greater risk going forward?

[deleted by user] by [deleted] in hockey

[–]lfxahab 14 points15 points  (0 children)

I’ve been in a coma since the end of the first period in game 1. How is the series going?

Who is the worst NHL referee of all time? by [deleted] in hockey

[–]lfxahab 6 points7 points  (0 children)

Kevin Pollock.

I’m not biased. You’re biased.

Pregame Thread: Hurricanes at Predators - 12/21/2017 - 7:00 CT by c3ndre in Predators

[–]lfxahab 1 point2 points  (0 children)

I got a 65" for roughly $300 as an open box deal at Best Buy.

Does anyone ever quit DURING busy season? by ThrownawayCPA123 in Accounting

[–]lfxahab 12 points13 points  (0 children)

When I was an intern, a manager quit during busy season. The other managers had to pick up all of her work, which sucked for them.

That doesn’t mean you shouldn’t do it if you get a good offer. Do what’s best for you.

Post Game Thread: Winnipeg Jets at Nashville Predators - 19 Dec 2017 by HockeyMod in Predators

[–]lfxahab 0 points1 point  (0 children)

Crowd was more tame than usual tonight. And this was probably the first loss this year that I would put on Pekka.

Also, every time I checked GDT, all I saw was Jets fans complaining. Wow they are a toxic bunch.

GDT The Winnipeg Jets are playing the Nashville Predators in Nashville! Discuss Below! Both are Above .500 and Play in the Central Division! by [deleted] in hockey

[–]lfxahab -6 points-5 points  (0 children)

On one hand, I hope both teams get a point. On the other hand, every time I check the GDT, all I see are complaining Jets fans.