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Welcome!  

In before someone mentions the Kay thread...

1 hour ago, Tpoppa said:

If HD renames the Sportster to the Trumpster, I would totally buy one.

I don't think HD has any plans to rebadge a Ural

Huh, imagine that.

HD feels "uncomfortable" about potentially alienating market demos outside of old white guys.

That isn't requiring a move to Michigan?

Nice RF.

10 minutes ago, Isaac's Papa said:

Fuck the police. 

coming straight from the underground

2 minutes ago, motocat12 said:

We'll yeah because that's how they campaign and why republicans in area's like DC don;t bother to vote. She got 2.8 million more votes for $225 million more spending to lose in the end. That's the democrat way.

It is?

Oh, I understand it.  I can understand something and not like the outcome it delivers, despite the pros and cons associated with it.

Anything >3 miles is unacceptable.  If I can't wake up at 7:45 and be in by 8, the commute is too long.

YMMV, though some people consider the yardstick that if you wouldn't ride a bicycle that far to get to work, then it's too far.

9 hours ago, motocat12 said:

 

Republican Donald Trump’s victory in Wisconsin has been reaffirmed following a presidential recount that showed him defeating Democrat Hillary Clinton by more than 22,000 votes.

Trump picked up a net 162 votes as a result of the recount that the Wisconsin Elections Commission certified Monday.

Looking at the math... carry the one, divide by Avagadro's number, times the derivative of pi... that still leaves Trump a good 2.8M votes behind Hillary in the popular vote.

But, c'est la vie -- Electoral College and stuff, right?

4 hours ago, Wojo72 said:

I have had a hatred of the gun grabbing crooked, baby killing intern fucking Clintons since Billy was in office. Fuck principles.

Hate is another one of those good Christian values, that's what separates them from the Muslim community, amirite?

Great guy.  He will be missed by many.

Or, ya know, facts.

https://www.thebalance.com/national-debt-under-obama-3306293

IBIP... and all the server jokes

Yea, the guy who doesn't pay Federal taxes "because that makes him smart" is going to get other companies (and NATO countries apparently) to "pay their fair share" -- how again?

I bet at least 25% of ALL employees consider quitting.

Every day.

$3300 and six years later...  20/60 vision, back to using contacts and/or glasses. 

Could get a "free" retreatment, but 1) you have to pay a $75 reassessment fee from the LASIK place, plus whatever it costs to get your optometrist to do the extra testing and fill out the forms required by the LASIK place to get the retreatment.  And 2) how many times do you really want to mechanically alter the structural integrity of your cornea?

The only positive now, not having as bad a prescription as before, and could get away with standard spherical contacts rather than toric lenses, though after the last eye exam a week ago, torics are being recommended again.

$3300 out of an HSA would've bought a lot of glasses or contacts. YMMV

Meh.  To each their own.

I'd much rather screw myself over so I know who to blame, than figure out 20 years later that someone else took me to the cleaners for something relatively simple to learn.

Are the people "advising" you that much smarter than you?  Did they spend years at an Ivy league school?  What's their personal financial situation?  Do they have good credit?  How much money do they make?  What makes them "qualified" to advise you?  What value do they bring if they're just going to plug your numbers into a templated spreadsheet, ask about your 'risk tolerance', and put together a [not really] 'custom' plan their 'firm' hands out to all 'clients'?

Save for some super crazy tax loopholes that most of the common folk can't really take advantange of anyway, I have confidence you can learn this stuff, because you're good enough, you're smart enough, and doggone it, [some, one?] people like you.

51 minutes ago, Bad324 said:

With as little money as I have available do you think it's worth seeking a pro? Also, how does one go about finding one that can be trusted?

No, and good luck.  Half of them don't even have a fiduciary responsibility to you, in fact they just passed a law about that (http://www.usatoday.com/story/money/columnist/powell/2016/04/06/investors-new-fiduciary-rule-protection/82661384/).  Welcome to America.

Given that money is a pretty big deal, you should probably endeavor to learn about it yourself and not trust someone else to look out for you.

1 hour ago, DerekClouser said:

Well not all of us are mustangdame.  I'm sure you've met him before, right Rob? He's a friend of Ib's. 

Good way to get an APB being part of the CFB

2 hours ago, Bad324 said:

So the 529 my mom started will be getting contributions every year. Right now I'm not sure how regular we can be with contributions until all the fun of the twin and nicu medical billls along with my wifes damn school loans get paid off. I wanted to do something other than a 529 plan simply so the money can make more on itself and they can use it in high school for a car or whatever other needs they might have when I cut them off

I think you're going to struggle to find any worthwhile investments for that sum of money unless you're going to do individual stocks, or an ETF like @jbot mentioned.

Most decent mutual funds start at an initial $2500 investment, with better ones starting at $10,000, then $50,000, then $100,000+

It also depends on your risk tolerance, diversification strategy, timeline to withdrawl, etc.  At $500 per kid -- you might just be better off in a CD.

So many variables... if your mom plans to continue contributing to the 529, then that's good, but there's nothing stopping you from opening up another 529 in each of their names that you and the Mrs. contribute to.  Your 529 contributions are good up to $2000/year off your Ohio state taxes.

It all depends on how fiscally diligent you are to keep contributing to it, or just adding to it "as you can/want" -- that'll steer your path into different options.

Or, you could always spend it on hookers and blow for you, because you can't make your children happy unless you're happy too.  Something about Maslow's Heirarchy of Needs and sh*t.