Tpoppa

A rising tide lifts all boats.

You got enough money to burn a wet mule.

15 minutes ago, SpecialEd said:

I and my brother came into a substantial inheritance when our mom died at age 93 in March of 2014. I paid off student loans, my remaining mortgage, and all outstading debt. It felt great. We put the remaining funds into conservative retirement accounts. We were decidedly lucky, but now have no tax dedutions when the IRS comes calling. I was told by my CPA that it is sometimes better to owe money than to be free and clear; this has always mystified me, and seems counterintuitave. 

If you are barrowing money at 5% (minus 25% tax deduction or whatever your tax rate is), and you can easily earn 8% over time with passive index fund, it just doesn't add up to pay the mortgage off early.   It's not even close...the difference can be 6 figures.

I agree it's counter intuitive.  Most people don't believe it.  There are many articles on the subject that take into account interest rates since before the Great Depression.  The math always says don't pay off early.

Some people sleep better with no mortgage...I get that.  I'd rather be shitting in tall cotton when I retire.

3 minutes ago, Tonik said:

I don't anybody a thing, for anything. Should I go finance some stuff?

Whether you understand the math or not, paying off a house early doesn't make financial sense.  Now, there might be some personal value to you, or peace of mind for being able to say your house is paid off.  Perhaps that offsets the money you lost.

12 minutes ago, jbot said:

Haha I am FAR from rich, especially not compared to the SpecialEd Land Baron of Chagrin Falls.  Also, more evidence of my being a fellow peon, I'm definitely getting a mortgage. Just couldn't pass it up at 3%!  I'm gonna go with enough of a down payment to keep my mortgage lower than what it was and spend the rest on drugs and remodeling. 

It's a financially terrible decision to pay cash for a house.  Honestly, a bigger down payment or paying off a mortgage early doesn't make financial sense either... because math.

32 minutes ago, what said:

Honestly I don't see Ohio becoming a nightmarish hellscape like LA/San Francisco/NYC/Chicago might turn into. But who knows.

CA was a nightmarish hellscape long before this.

An experienced real estate agent makes a big difference.  Part time hobby agents not so much.

12 minutes ago, durk said:

I’m guessing that would be an ego check 

The guy got on the gas heading into a nice "S" curve.  I thought he was going to accelerate through it.  He checked up at the last second.  So I passed on the inside.  Kind of a dick pass, but I had room.

33 minutes ago, durk said:

Which bike were you riding?

The beemer

Passed a CBR in corner.  Kind of a dick pass, felt good though.

21 minutes ago, NinjaDoc said:

Just trying to give some optimistic outlook based on some numbers. Just keep this as a positive thought and don’t expect it to be true course. 

source : Institute of Health Metrics and Evaluation at the University of Washington.

Just an estimate. as of now it’s just a guesstimate even since non of the pattern followed any common sense so far. 

The growth of new cases in Ohio has slowed  until last Saturday 3/28 cases in Ohio were growing by 20%+ every day. after that 

Sunday 3/29 - 17.57%
Monday 3/30 - 16.94%
Tuesday 3/31 - 13.76%
Wednesday 4/1 - 15.83%
Thursday 4/2 - 13.94%
Friday 4/3 - 14.13%
Saturday 4/4 - 12.89%
Sunday 4/5 - 8.13%

Based on this these guys revised and saying 

Ohio is now projected to peak in hospitalizations in 2 days, on April 8.

By Sunday, April 26, Ohio is projected to need less than 200 hospital beds across the entire state.

Ohio is projected to have 0 shortages in terms of regular beds or ICU beds.

Ohio is projected to need 223 ventilators, down from the previous projection of 615.

All seems positive,

on ground lvl I can tell you at one point they were making arrangement to convert all the closed of cafeteria sections into make shift wards to cover demands and of course to make lot of money etc, but we never saw the extreme brunt, we never had the tough job to choose who gets to go on the ventilator. Whtr the grandma with sniffles or the young dad with sniffles and large goober. They all got put on ventilator of course for more billing and money is money. 
 

there is an old saying, it’s easier to wake people up when they are sleeping. But when they pretend to be sleeping it’s difficult. 

Thanks for sharing numbers Nivin.

I place more stake in data than headlines 👍

48 minutes ago, CoDAF said:

I hate it. 

You won't be alone.

I like the retro BMW paint.  That exhaust is gawd awful.   

As stupid as forward controls are, the cruiser crowd likes them...that will prevent any sales success.  These will be deeply discounted in 2 or 3 years. 

1 hour ago, what said:

My first day of respiratory symptoms came with a tiny bit of chest pressure, a sore throat and a cough. The chest pressure was gone after the first day but cough and sore throat persisted. I was also extremely tired off and on, falling asleep at 3 or 4pm and sleeping for 16+ hours. That was week 1. Week 2 I thought I was finally getting better, but that Monday I woke up with pain in my lungs, and a really bad tickle behind my sternum/in my chest, I couldn't stop coughing. That tapered off over about 3 days and the only lingering symptom I have left is the tickle behind my sternum, but it's hardly noticeable at this point.

I've not had a stuffy nose and none of my coughing has produced anything (dry cough). The lung pain felt almost like a cold burning sensation, it was kind of strange. It was deep in my lungs and felt like the entirety of them as well. Can't say I've felt that before. The chest pressure on day 1 felt like I had a cat sitting on my chest. Light pressure, no real difficulty breathing just uncomfortable. If it hadn't gone away by the 2nd day or had gotten any worse I probably would have gone to the hospital. I had chills and night sweats in week 2 as well, though only for the first 2 days when the lung pain was going on.

My symptoms started with digestive issues 2 or 3 days before the onset of respiratory symptoms. I thought maybe I had eaten something that didn't agree with me, but in hindsight I realized that probably wasn't the case.

I never really had a verifiable fever. The highest temperature I got was a 98.8. My average temperature has been between 96.6 and 97.7 degrees. That's taking my temperature 3 times a day since 3/10. I haven't broken 98 degrees since the 98.8 degree reading on day 2 of respiratory symptoms.

I had the same symptoms for 3-4 weeks around Christmas...except no digestive stuff, but I did have a fever for 3-4 days.  It wasn't awful, just annoying and wouldn't go away.   It was diagnosed as an upper respiratory infection at the time, and I was told it would clear eventually.

Looking back, I don't think it was COVID.  My gf (who would be considered high risk) had similar symptoms a few weeks later, but the kids never had symptoms.

Hard to know for sure without tests.  

52 minutes ago, Tonik said:

No, the fact that it goes bad....gets out of date.

We have 3 little kids in the house that are now eating every meal at home.

I have been buying 4-5 gallons at a time, which last about 7-8 days.  That is what determines how long we can go between trips to the store.  

You can freeze milk, but I haven't been doing that.  I may give it a try.  

1 hour ago, Tonik said:

13k, air filter is due at 16. I wanted it over with.

50k is the new 16

Casinos, cruise lines, airlines, oil companies were especially hard hit.  

I took a position in Marathon oil (MRO) at a deep discount.  Oil is at an 18 year low.  I anticipate some upside when people are driving again and we get through the over supply we currently have

I am riding it out.  My overall strategy accounts for a bear market.

I did buy a couple on the dip that have a big upside.

Riding it out?

Sell and sit out?

Buy on the dip?

China has gone to much trouble to appear like a Capitalist country.  Make no mistake they are still Communists they just pretend to be Capitalist to benefit from international trade $$

They are still information-suppressing, people-living-in-fear, boot-on-the-throat Communists.

https://www.msn.com/en-us/news/world/wuhan-covid-19-deaths-may-be-in-tens-of-thousands-data-on-cremations-show/ar-BB11T0Vb

Thoughts?

I've been seeing more and more media outlets speculating that China's COVID numbers are significantly higher than reported.

Haven't been to stores.   Is there an ammo shortage again?

Sorry to hear that.

That's a very quick diagnosis of MS.  Sometimes it can take years to identify and diagnose.  So many auto immune diseases, lupus, ms, mg, etc all have very similar symptoms.  I've been going through it with my GF for years.  Probably doesn't seem like it....but if you do have MS it's better to know sooner than later and get moving on a treatment plan.

Having MS 20 years ago was much different than today.  Treatment, mitigation, and prognosis have come a very long way.  It can be managed so much better with way less impact.

Tip - If you are still dealing with the Vertigo, try a CBD vape.  My GF dealt with Vertigo for months, sometimes for 2-3-4 hours without a break.   The Vertigo meds didn't do a damn thing, but CBD or marijuana would stop the Vertigo in seconds...literally seconds.