CharlesUFarley

Who has the talent? The singer or the song writer?

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If Obama or Biden had pulled this with conservative media, I would have been livid

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They did, but the mainstream media didn't report it.

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I am not hating on Golesh. I think he will be a good coach

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I think he belongs at South Florida. This is too big for him.

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Back to top Posted on 9/19/26 at 9:04 pm to jangalang quote: Damn that OL folded like a cheap seat This is our problem. And blaming Golesh for that is tough on him.

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But, fighter pilots have to score high in Enemy Recognition. Our boy has failed that test. It will be a long season, during which we will become the new Vanderbilt.

If Golesh has a future, he will scrap Brown. He brings us nothing. It will be year three before anything will get any better, if it is going to. Better to train a young one now.

I project my spending for the next several years and then decide how much I want in cash. Right now, that is two years in cash, two more years in floating rate. I am 61, I retired at 56 but went back to work last year. I have a payout from an ESOP from a former employer that is coming over in cash over the next two years. I will up the buckets, probably adding some bonds, but I don't think I'll have ten years in non-equity holdings, so my allocation may end up closer to 70/30% or even greater equity, simply because in my path right now I don't expect to spend much out of my portfolio for the next several years, I make enough working not to need that, though I will spend some of it, maybe on a classic car, if I want to. The exact number of your allocation isn't as important as understanding the different risk types of the assets and planning around it.

I would put some equity assets in bucket 2 and bucket 3. I think funds like SCHD could contribute to both. I still have 24+ years on a mortgage at 2.625%. I am in no hurry to pay it off unless hurricane coverage gets so ridiculous that I drop it. I may segregate some of the ESOP payout to explicitly fund the mortgage payments, in my mind that would be about 20% cash, 40% SCHD, and 40% diversified equity. Take distributions as cash every year and pay the mortgage, then reinvest the rest. Don't touch the cash bucket normally, but save it for a downturn when you don't want to touch your equity holdings. All that is in one of my rollovers.

I would also suggest that you go ahead and bite the bullet and put two years expenses into a short term cash bucket. Yeah, you're sacrificing growth in most years and markets, but if a sudden change hits you, you won't be painted into a corner. Two years is a lot of time to figure things out or weather storms. Then, as things move along, expand that opportunistically. I used capital gains distributions from my active funds and it worked out just fine.

LINK

I Just Retired, Where Do I Start?

I recommend a retirement Bucket portfolio if you’re just starting out. First, figure out your anticipated income needs for a given year, then subtract certain sources of income like Social Security and a pension. What’s left over is the amount of cash flow that the portfolio will need to supply each year in retirement.

Then fill your three Buckets like this:

Bucket 1: Six months to two years of living expenses—not covered by Social Security—housed in cash instruments.
Bucket 2: Another eight to 10 years of living expenses housed in bonds.
Bucket 3: The remainder of the portfolio, invested in stocks and a high-risk bond fund.

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I actually like all three ingredients, but not together.

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Actually, I may be mistaken. I forgot about cabbage rolls. It could work.

Sounds revolting.

Like someone sat around for a day thinking up the most halfassed thing to cook.

I think there are several "correct" answers to this question, but one question also should be considered in response:

"At what point is it more beneficial to put all of your efforts into managing and growing what you have, rather than working to try to increase it through contributions?"

Some will counter with "passive management" and "you can't beat the market" but you could certainly benefit at some point by focusing all of your energy on managing your investments instead of working, even if you are 100% indexed, simply because at some point your gains off of your assets will eclipse anything you can earn through work.

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we should take care of our fellow Americans when they can't.

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Can't, yeah, maybe. But what about "won't" or "don't"?

I knew a highschool girl who got hit by an underinsured driver . She had multiple passengers who were injured. The guy who hit her had something like $40K liability (1980's). The driver herself had more injury than that just on one hand. Her parents insurance covered the passengers.

Also keep in mind that insurance companies sue to recover losses all the time.