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BP Fantasy Baseball est. 2008 (Current Champion = Ahiacitian)

Yeah, that’s not happening this year. Guardians putting up 300 runs tonight and my 2 guys are 0-for-the-century but they do have several foul tips. I could lick Rosie O’Donell’s armpit and then beat my tongue with a meat tenderizer and that wouldn’t be as painful as managing this amalgamation of asswater

Amalgamated asswater is a tough medium to express your genius with. No doubt about it.

I'm working with something as simple as a plethora of peckerheads and can't get it right.
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BP Fantasy Baseball est. 2008 (Current Champion = Ahiacitian)

True....

But now I get to follow it up with Bonilla's Contract....who has always historically kicked my ass :lol:
Yeah, that’s not happening this year. Guardians putting up 300 runs tonight and my 2 guys are 0-for-the-century but they do have several foul tips. I could lick Rosie O’Donell’s armpit and then beat my tongue with a meat tenderizer and that wouldn’t be as painful as managing this amalgamation of asswater
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Deciding When to Retire

Deciding when to retire is a tough decision. For those of you who have retired, what was the tipping point? Do you wish you had kept working longer or that you had retired earlier?

OK, you asked, so here's how it worked out for me. In 1971 I got good a job with the Federal Government and was in the Civil Service Retirement System (CSRS). Approximately 32 years later I was able to retire at the age of 55 with "full benefits". My wife was able to retire at the same time with 30 years service under the Ohio State Teachers Retirement System. Anyway, we had an opportunity to retire at a fairly young age and we took it. At no time have we ever regretted our decisions to retire. I use to run into some of the people that I worked with and they would ask "how my retirement is going?" I'd tell then "retirement isn't all that it is cracked up to be, it's so much better". I had a very good job that I liked; however, it was still "a job" and I had to come in on a regular basis per their schedule, etc.

Now we were in a good financial position, getting a pretty much a guaranteed (by the Federal Government and State of Ohio) retirement income with COLAs, no debt, owned a mortgage free house, and had a decent amount of savings. All I can say is that after 20 years of retirement it has worked out real well for us. The trick is to have something to do, so you just don't sit home bored. We both like to travel; so we have been doing that a lot. In fact, we just got back from a 29 day ocean cruise (Japan, S. Korea, Alaska, and Canada) yesterday.

I realize that everybody's situation is different. So good luck with your "when to retire" decision.

Ohio State Men's Tennis (2014/2019/2024 ITA Indoor National Champs, 20 Straight B1G Titles)

Sounds like a stud get. That's for next year though (?). Anyway, sounds like the Buckeyes are peaking at proper time. Bottom part of roster is winning, hopefully enough to pick up if top few stumble a bit. Kinda think that the doubles point (usually a given W), is up in the air at times. Not entirely certain, as our top singles guys man the doubles teams....All I really know is what I read here, so if I've not connected the dots correctly, would hope that someone would put things in proper perspective. All in all, envision a top four placement, and with a little luck on the spin, maybe bring home the trophy this year. Seems the only thing not on Ty's resume....
Re: Bottom part of roster is winning, hopefully enough to pick up if top few stumble a bit.

Check out the stats for the players so far this year.....


Nikita Filin has really been kicking ass in the #4, #5, and #6 spots as well as on the #1 doubles team! The weak link on the team may be no true dominate #1 guy like some of the players that they have had in the past like Chase Buchanan, Mikael Torpegaard, Blaze Rola, and J.J. Wolfe, etc. to name a few.
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Deciding When to Retire

Yeah, can't overestimate how important good planning is. We worked with our (fee based) planner for nearly 20-years developing our portfolio. While accumulating is important, where you accumulate your assets is equally important. Retirement / tax advantaged accounts are great, but if you have any intentions of going early, you better have plans for post-tax retirement accounts ('hero' accounts) to get you over the bridge until you can start to access that other stuff without penalty.

1000% right. At least 5 years worth in post-tax or Roth accounts so you have money to survive on while you setup a Roth-conversion ladder to free up some additional traditional retirement funds penalty-free. And ideally enough in those post-tax accounts that you can keep your income low enough to qualify for the ACA subsidies for health insurance.
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