I wouldn't know, because my f-ing newspaper doesn't print box scores.
I finally convinced the missus that we should cancel. I plan to send the SacBee a response to their call for comments on the "new format" with "my comment is cancel my subscription." I love comic books, but I want to read a newspaper in the morning.
We keep our subscription for the coupons.
I barely buy any brand-name goods, except from Costco. So coupons just get thrown away.
I just use newspapers as fire starters now. /Farenheit451
About a week ago I downgraded my Strib subscription to Fri-Sat-Sun. Part of the problem was that the paper would arrive after I left for work so it would sit on my stoop all day long -- Talk about a beacon telling everyone "no one home here!" Also then I would come home and either I knew all the news already or didn't have time to read.
I definitely miss the comics, although some are on-line. The Crossword and Sudoku are also missed but I can scratch that itch online too.
We used to have the Post-Dispatch Sunday paper years ago, and pretty much we only made use of the comics, Parade, sales fliers, and NYT crossword, and maybe sports section. The weekly "we want you back" mail is pretty annoying.
I only get the NYTimes on Sunday, and that gets the job done for me. Whenever I peek at the STrib at my parents', it's absurd how little food content t it contains.
Yea, I'm kinda pushing for the Sunday NYT.
for my job, I kinda need to be aware of state gubmint news. But I can get most of that on-line at work.
I haven't subscribed to a daily newspaper in about five years. I usually wasn't finding time to read it, and it's a lot of money to spend on something you're not going to read. I really haven't missed it.
Sunday NYT is excellent. I usually spend a minimum of an hour each Sunday relaxing it and perusing.
oh yeah, we seriously need a $23M denomination WGOM currency
Dido'ed
That bill would no doubt be engulfed in flames.
I totes balls Glen.
Headed to DSM for a night with the rugby lads. Then a few days with the little bro for Drake graduation, AF commissioning, and bachelor party. Then St. Paul on Monday. Things are happening, and fast.
Update on the house hunt/request for advice (?):
We've settled on a different home, we think. It lacks some of the character of the first one we saw (okay, it has nowhere near the same amount of character, but that first one was... beyond awesome), but makes up for it in a lot of ways (move-in ready, still some possibility for improvement in the future, very nice yard, good space/layout, walking distance to work). So we're close to putting in an offer.
The biggest hangup is... price. It's a little more expensive than we'd like, and we know there's another contingent offer out there (contingent on their house selling, 48 hours after offer they'd have a chance to commit, but we're not horribly worried about that), so that means we won't be able to go too low on our offer. This means we're looking to cut costs in terms of mortgage and/or closing costs. Anyone have any recommendations on how to do that, or if it's possible? We've got two different banks who have pre-approved us for the same rate (one will cut the rate a small amount if we bank with them too), so rate obviously isn't going to move much. Specifically, we're looking at cutting those upfront costs, in some way, if possible. This is our first time through the home-buying process, so I don't know what I don't know. If the answer is "that's just the way it goes" then so be it. But if there's more out there... Thanks to any and all for recommendations.
Once the contingent buyer falls through, you will have more leverage hopefully. Every month they don't sell their house, they're losing money because they have to pay the mortgage (unless they own it outright). Whether it's you or a Realtor... "I can buy it today if you cut the closing costs by x amount. If not, we're going elsewhere."
The problem is that the contingency requires us to put our offer in first, and the contingency only kicks in once that's accepted.
And I'm pretty sure it's owned outright.
How many WGOM bucks do you have saved up?
23 million
I keep getting negative ones...
We had the seller cover the closing costs. The biggest thing for us was the wife had a lot of money saved up for a down payment. Hopefully the extra kicked in each month is doing something for the principal too.
If you're talking about money down on the house, I don't know. I used my Veterans' benefits on this loan though we still put maybe 8% down (I believe). We'd made money selling our first home, but lost that when we bought house #2 high in the bubble market of '08 and sold low in the crashed market of '13.
If you're talking closing costs, we did as sean did. Being able to offer more on the purchase price in exchange for them covering closing costs is a good way to go.
The other thing we did (probably not applicable/useful to you) was use a family member as our agent.
I assume the shifting of closing costs is usually decided at the time of offer. It's certainly worth requesting, I suppose. We have a fair amount saved up to put down, but closing costs present a challenge to sticking around 10%
We're considering cashing out a small retirement account that my wife needs to do something with anyway. We know there'll be the penalties, but the tax implications should be somewhat offset by the whole "first time homebuyer" thing, right?
I suppose the real solution is that I need to make more money, huh?
Shifting can happen after an offer as well. There's nothing to prevent the parties from making changes prior to the closing date. You could do what I did when I sold my house. I offered to cover $4,000 of the closing costs, and the buyer said I did my math wrong, crossed it out, and put $2,000. I don't know how I got him to give me back two grand without asking, but you can try it.
Right, we did the shifting during the counter offer period. The process was hilarious :
Us: we offer you $x
Seller: we want $x +$2000
Us: will you take $x+$1000 and also pay closing costs and do $500 in repairs?
Seller: deal!
(numbers changed, but general spirit applies. We somehow managed to gain a decent chunk of money by agreeing to their minimally higher counter by attaching those conditions)
I offered to cover $4,000 of the closing costs, and the buyer said I did my math wrong, crossed it out, and put $2,000. I don't know how I got him to give me back two grand without asking, but you can try it.
See, now, these are the kinds of people you want to do business with. I'm interpreting that as someone being honest about closing costs and not desperate to squeeze you for every penny.
When we sold our house in Chambana, the buyers came to the closing and tried to renegotiate the deal. We were LITERALLY (not figuratively) leaving after the closing to move to Cali. I almost scuttle the deal at the table, I was so pissed. So was our realtor. Luckily, we'd hired a lawyer to handle the bizness. She took charge, calmly told the buyers they weren't getting anything more and proceeded to finish the closing.
Except I didn't do my math wrong. He did. I guess I was the dishonest one.
a-hahahaha!
Yes, you will go to your grave with that one around your neck.
To be fair, I tried once to correct him. He insisted he was right.
I think that is how Flip makes transactions.
Have you looked at borrowing from that retirement account rather than cashing it out?
Let's just say that it's a small enough account that it wouldn't be worth the hassle of borrowing against (account - penalty = closing costs, is the thinking). Also, she apparently can't continue to contribute to this particular account, or something, so we at very least need to figure out rolling it over into a different one (and since she's currently unemployed, we'd probably hold off on that until she gets new employment and has an account we'd want to roll it over to). The upside is that it's an account she never contributed to (she was part time, contributing would have meant basically no take-home pay, and also it wasn't a match, so she wasn't leaving money on the table), so the penalty blows, but it's basically just bonus money we'd be giving back, instead of "actual" earnings.
That all said, tell me more. If I'm wrong and borrowing makes more sense, then... well, then it might make sense, I suppose.
According to a study by the Employee Benefit Research Institute, 87% of 401(k) plans offer loan options, which sets these workplace retirement accounts apart from traditional IRAs, which don’t offer loans under IRS regulations—only early withdrawals made before age 59 ½, which mean you may incur a 10% penalty tax.
There are a few exceptions to the penalty tax for withdrawals from traditional IRAs, however: If you’re using that money to pay for college for yourself, your spouse or your child; if you’re covering medical expenses that exceed 10% of your adjusted gross income or you’ve been unemployed and without heath insurance for at least three months; if you’ve been severely disabled; or if you’re withdrawing up to $10,000 to buy a first-time, primary home.
The same rules apply for withdrawals from Roth IRAs, as long as you’ve had the account for at least five years, with the added caveat that you can withdraw your contributions any time, since you’ve already paid taxes on them. MarketWatch and H&R Block offer additional information about situations in which you may be able to make a penalty-free withdrawal from either account, or you can learn more on the IRS website.
The 401(k) loan, however, typically allows a person to borrow up to 50% of his or her account balance up to a maximum of $50,000 but requires it be repaid within five years—though the repayment schedule may be extended if you’re using the money for a down payment on a home. The loan doesn’t have to be approved by a bank, which means you can usually get your hands on the money quickly and without a credit check. Plus, interest rates may be lower than on standard bank loans.
403(b). Might change things. Will have Philosofette inquire.
Of course, if no penalty for first time home buyers...
Gah, looks like probably still a 10% penalty for 403b...
Let me make sure I understand how this works though...
- Cash our 403(b).
- Whole thing is taxed as income, at whatever your tax rate is for the fiscal year (so, if I expect to get 100%+ of my income taxes paid in 2015 back, it's a good year to withdraw...)
- 20% is automatically withheld (but is hypothetically refundable, based on above described parenthetical?)
- Additional 10% tax applies to the portion you receive (80% of 403b)
- That 10% isn't withheld, but must be reconciled at annual tax filing (thus, 2015 refund = income tax refund - 10% of received 403b).
Is this correct?
These are questions for a tax expert. I have proven myself not to be in that set.
Which reminds me. I have some registered mail to send off to the IRS....
We've gotta have one of those laying around here somewhere, right?
We've always used a mortgage broker, so a variety of banks/lenders was available and the broker knew of the best for our situation. #Flobutnotreally
In the event I ever have enough money to actually consider homeownership (and I do it in the Twin Cities), I'm contact one of y'all for the particulars. I'm terrible about these things
My idea was to re-rank the NBA playoffs every other day (i.e. let each series advance one game). But, what the heck.
1. LAC -- The team to beat in my mind
2. GSW -- The WCF is going to be epic
3. CLE -- They have this one guy who's pretty good
4. CHI -- If Gasol can come back, they move to #3.
5. ATL -- They are one game from the next round
6. WAS -- They have a better chance of advancing than the teams below them.
7. MEM -- They are a better team than the four above them, but GSW has them in a vice.
8. HOU -- They'll always have game 5.
I'd quibble over the first two, but your assessment of the WCF seems about right. GSW has a big advantage on the perimeter and from their bench, but LAC's bigs have been fantastic and Chris Paul is a beast.
Let's see what the Clips do tonight. I was gonna wait and see what happens there before ranking again, but this is this morning.
Blake Griffin has been the MVP of the playoffs so far and Chris Paul has been right up there. That's why I have them #1. The bench is a problem, but playoff minutes go up for starters and the team most likely to exploit their bench is out, taken out by the Clippers.
at the tempo the Warriors play, I think you need bench contributions. It will be run, gun, run, gun and run and gun some more. But with lots of defense on both ends.
The Warriors have an advantage against the Clips that they lack against Memphis -- Clips only have one big who is an offensive threat on anything other than lobs. Griffin has been great, to be sure. But the Warriors play outstanding, active defense. Griffin is an excellent and willing passer, though. So if Griffin is on, he and Jordan can combine to put a lot of pressure on the Warriors inside.
I have been excited to see some contributions from David Lee in the Memphis series so far. He's another big who can rebound and play adequate interior defense, as well as put some offensive pressure on the Clips at the other end. I think he will play an important role in the conference finals.
Trivia time: Which player appeared in the most number of MLB games in which a no-hitter was thrown? This is going to be pretty tough, so, maybe just guess what the number of games is?
If you've got 10 mintes to spare, watch Jon Bois' latest video
httpv://youtu.be/_f6owc3O_gY
awesome, and pretty good.
Has anyone noticed that the Yankees subbed out Jeter and subbed in A-Rod and now they are winning?
did you see the Posada quotes that A-Rod (and all those other steroid cheaters) don't belong in the HoF?
Apparently, only True Yankees belong. Hahahaha!
From Chris Jaffe in the My Goodness Am I Getting Old File :
20 years ago today, the Springfield children fought the Shelbyville children over a lemon tree.
I just watched that episode a few weeks ago. Among my favorites.
oh, old age. D'oh.
so, I filed an amended tax return today, reflecting a very small (three-figure) change in adjusted gross income due to me mis-calculating the amount of 529 account withdrawals that were tax-free. Lessons learned:
1) keep detailed records of the kid's (now kids') college expenses. For American Opportunity Credit purposes, room & board doesn't count towards Qualified Educational Expenses, but for 529 purposes, it does.
2) the effing government sends you a 1098-T form that only reflects tuition, not all of the other stuff. The other stuff includes r&b, required fees, textbooks, and now computer expenses.
3) Turbotax's software for working all of this out sucked for 2013 and wasn't any better for 2014. And the government's own freaking publication (Pub 970) is turrble at explaining what is and is not deductible for what purpose.
bottom line is that with one kid in college, taking the AOC credit will very likely reduce your adjusted QEE to below the amount you've withdrawn if you are relying on 529 funds for all of your kid's college expenses. So you have to pay closer attention than I did.
with two in college for tax years 2015 and 2016, bummah. I'm already claiming the AOC on the Boy's expenses. So I can't double-dip on the Girl's. Shoulda spaced 'em out better. But that also means that I'll have more leftover adjusted QEE to cover the 529 withdrawals.... Le sigh. #firstworldproblems
On a different note, I hope you're getting as much rain as we are. I just had to cancel practice today for Trey's Little League team and it doesn't look good for our game tomorrow. They've already canceled games for tonight. Rained out games this late in the season is pretty much unprecedented from my recollection.
Not a drop today. But looks stormy, and I forgot my umbrella. My cue to go home!
Gumbo for dinner. I'll be happy to tell you that it's good when it's done. I'll be back after 45 minutes of whisking.
CHICAGO. WOOF.
haven't seen much this year, but this HOU/LAC game has been good.
Not for much longer, I think.
yeah, the wheels are coming off.
or not.
Dwight desrves at least a Flagrant 1 for that shit.
So Corey Kluber was pretty darned good last night
Holy
I wouldn't know, because my f-ing newspaper doesn't print box scores.
I finally convinced the missus that we should cancel. I plan to send the SacBee a response to their call for comments on the "new format" with "my comment is cancel my subscription." I love comic books, but I want to read a newspaper in the morning.
We keep our subscription for the coupons.
I barely buy any brand-name goods, except from Costco. So coupons just get thrown away.
I just use newspapers as fire starters now. /Farenheit451
About a week ago I downgraded my Strib subscription to Fri-Sat-Sun. Part of the problem was that the paper would arrive after I left for work so it would sit on my stoop all day long -- Talk about a beacon telling everyone "no one home here!" Also then I would come home and either I knew all the news already or didn't have time to read.
I definitely miss the comics, although some are on-line. The Crossword and Sudoku are also missed but I can scratch that itch online too.
We used to have the Post-Dispatch Sunday paper years ago, and pretty much we only made use of the comics, Parade, sales fliers, and NYT crossword, and maybe sports section. The weekly "we want you back" mail is pretty annoying.
I only get the NYTimes on Sunday, and that gets the job done for me. Whenever I peek at the STrib at my parents', it's absurd how little food content t it contains.
Yea, I'm kinda pushing for the Sunday NYT.
for my job, I kinda need to be aware of state gubmint news. But I can get most of that on-line at work.
I haven't subscribed to a daily newspaper in about five years. I usually wasn't finding time to read it, and it's a lot of money to spend on something you're not going to read. I really haven't missed it.
Sunday NYT is excellent. I usually spend a minimum of an hour each Sunday relaxing it and perusing.
we need higher currency WGOM bucks for Glen.
That one is almost worth $23 mil
oh yeah, we seriously need a $23M denomination WGOM currency
Dido'ed
That bill would no doubt be engulfed in flames.
I totes balls Glen.
Headed to DSM for a night with the rugby lads. Then a few days with the little bro for Drake graduation, AF commissioning, and bachelor party. Then St. Paul on Monday. Things are happening, and fast.
Update on the house hunt/request for advice (?):
We've settled on a different home, we think. It lacks some of the character of the first one we saw (okay, it has nowhere near the same amount of character, but that first one was... beyond awesome), but makes up for it in a lot of ways (move-in ready, still some possibility for improvement in the future, very nice yard, good space/layout, walking distance to work). So we're close to putting in an offer.
The biggest hangup is... price. It's a little more expensive than we'd like, and we know there's another contingent offer out there (contingent on their house selling, 48 hours after offer they'd have a chance to commit, but we're not horribly worried about that), so that means we won't be able to go too low on our offer. This means we're looking to cut costs in terms of mortgage and/or closing costs. Anyone have any recommendations on how to do that, or if it's possible? We've got two different banks who have pre-approved us for the same rate (one will cut the rate a small amount if we bank with them too), so rate obviously isn't going to move much. Specifically, we're looking at cutting those upfront costs, in some way, if possible. This is our first time through the home-buying process, so I don't know what I don't know. If the answer is "that's just the way it goes" then so be it. But if there's more out there... Thanks to any and all for recommendations.
Once the contingent buyer falls through, you will have more leverage hopefully. Every month they don't sell their house, they're losing money because they have to pay the mortgage (unless they own it outright). Whether it's you or a Realtor... "I can buy it today if you cut the closing costs by x amount. If not, we're going elsewhere."
The problem is that the contingency requires us to put our offer in first, and the contingency only kicks in once that's accepted.
And I'm pretty sure it's owned outright.
How many WGOM bucks do you have saved up?
23 millionI keep getting negative ones...
We had the seller cover the closing costs. The biggest thing for us was the wife had a lot of money saved up for a down payment. Hopefully the extra kicked in each month is doing something for the principal too.
If you're talking about money down on the house, I don't know. I used my Veterans' benefits on this loan though we still put maybe 8% down (I believe). We'd made money selling our first home, but lost that when we bought house #2 high in the bubble market of '08 and sold low in the crashed market of '13.
If you're talking closing costs, we did as sean did. Being able to offer more on the purchase price in exchange for them covering closing costs is a good way to go.
The other thing we did (probably not applicable/useful to you) was use a family member as our agent.
I assume the shifting of closing costs is usually decided at the time of offer. It's certainly worth requesting, I suppose. We have a fair amount saved up to put down, but closing costs present a challenge to sticking around 10%
We're considering cashing out a small retirement account that my wife needs to do something with anyway. We know there'll be the penalties, but the tax implications should be somewhat offset by the whole "first time homebuyer" thing, right?
I suppose the real solution is that I need to make more money, huh?
Shifting can happen after an offer as well. There's nothing to prevent the parties from making changes prior to the closing date. You could do what I did when I sold my house. I offered to cover $4,000 of the closing costs, and the buyer said I did my math wrong, crossed it out, and put $2,000. I don't know how I got him to give me back two grand without asking, but you can try it.
Right, we did the shifting during the counter offer period. The process was hilarious :
Us: we offer you $x
Seller: we want $x +$2000
Us: will you take $x+$1000 and also pay closing costs and do $500 in repairs?
Seller: deal!
(numbers changed, but general spirit applies. We somehow managed to gain a decent chunk of money by agreeing to their minimally higher counter by attaching those conditions)
See, now, these are the kinds of people you want to do business with. I'm interpreting that as someone being honest about closing costs and not desperate to squeeze you for every penny.
When we sold our house in Chambana, the buyers came to the closing and tried to renegotiate the deal. We were LITERALLY (not figuratively) leaving after the closing to move to Cali. I almost scuttle the deal at the table, I was so pissed. So was our realtor. Luckily, we'd hired a lawyer to handle the bizness. She took charge, calmly told the buyers they weren't getting anything more and proceeded to finish the closing.
Except I didn't do my math wrong. He did. I guess I was the dishonest one.
a-hahahaha!
Yes, you will go to your grave with that one around your neck.
To be fair, I tried once to correct him. He insisted he was right.
I think that is how Flip makes transactions.
Have you looked at borrowing from that retirement account rather than cashing it out?
Let's just say that it's a small enough account that it wouldn't be worth the hassle of borrowing against (account - penalty = closing costs, is the thinking). Also, she apparently can't continue to contribute to this particular account, or something, so we at very least need to figure out rolling it over into a different one (and since she's currently unemployed, we'd probably hold off on that until she gets new employment and has an account we'd want to roll it over to). The upside is that it's an account she never contributed to (she was part time, contributing would have meant basically no take-home pay, and also it wasn't a match, so she wasn't leaving money on the table), so the penalty blows, but it's basically just bonus money we'd be giving back, instead of "actual" earnings.
That all said, tell me more. If I'm wrong and borrowing makes more sense, then... well, then it might make sense, I suppose.
Not saying you are wrong, just throwing the option out there. Forbes article from last year.
Excerpt:
403(b). Might change things. Will have Philosofette inquire.
Of course, if no penalty for first time home buyers...
Gah, looks like probably still a 10% penalty for 403b...
Let me make sure I understand how this works though...
- Cash our 403(b).
- Whole thing is taxed as income, at whatever your tax rate is for the fiscal year (so, if I expect to get 100%+ of my income taxes paid in 2015 back, it's a good year to withdraw...)
- 20% is automatically withheld (but is hypothetically refundable, based on above described parenthetical?)
- Additional 10% tax applies to the portion you receive (80% of 403b)
- That 10% isn't withheld, but must be reconciled at annual tax filing (thus, 2015 refund = income tax refund - 10% of received 403b).
Is this correct?
These are questions for a tax expert. I have proven myself not to be in that set.
Which reminds me. I have some registered mail to send off to the IRS....
We've gotta have one of those laying around here somewhere, right?
We've always used a mortgage broker, so a variety of banks/lenders was available and the broker knew of the best for our situation. #Flobutnotreally
In the event I ever have enough money to actually consider homeownership (and I do it in the Twin Cities), I'm contact one of y'all for the particulars. I'm terrible about these things
My idea was to re-rank the NBA playoffs every other day (i.e. let each series advance one game). But, what the heck.
1. LAC -- The team to beat in my mind
2. GSW -- The WCF is going to be epic
3. CLE -- They have this one guy who's pretty good
4. CHI -- If Gasol can come back, they move to #3.
5. ATL -- They are one game from the next round
6. WAS -- They have a better chance of advancing than the teams below them.
7. MEM -- They are a better team than the four above them, but GSW has them in a vice.
8. HOU -- They'll always have game 5.
I'd quibble over the first two, but your assessment of the WCF seems about right. GSW has a big advantage on the perimeter and from their bench, but LAC's bigs have been fantastic and Chris Paul is a beast.
Let's see what the Clips do tonight. I was gonna wait and see what happens there before ranking again, but this is this morning.
Blake Griffin has been the MVP of the playoffs so far and Chris Paul has been right up there. That's why I have them #1. The bench is a problem, but playoff minutes go up for starters and the team most likely to exploit their bench is out, taken out by the Clippers.
at the tempo the Warriors play, I think you need bench contributions. It will be run, gun, run, gun and run and gun some more. But with lots of defense on both ends.
The Warriors have an advantage against the Clips that they lack against Memphis -- Clips only have one big who is an offensive threat on anything other than lobs. Griffin has been great, to be sure. But the Warriors play outstanding, active defense. Griffin is an excellent and willing passer, though. So if Griffin is on, he and Jordan can combine to put a lot of pressure on the Warriors inside.
I have been excited to see some contributions from David Lee in the Memphis series so far. He's another big who can rebound and play adequate interior defense, as well as put some offensive pressure on the Clips at the other end. I think he will play an important role in the conference finals.
Trivia time: Which player appeared in the most number of MLB games in which a no-hitter was thrown? This is going to be pretty tough, so, maybe just guess what the number of games is?
Hint: higher than you might have thought.
Tim McCarver
hrm. I'm trying to think of Nolan Ryan teammates....
Ok, I guess I was thinking along credible lines, but obviously not close enough.
http://www.tsn.ca/video/morneau-reflects-on-recovery-and-success-after-concussion-1.275141
If you've got 10 mintes to spare, watch Jon Bois' latest video
httpv://youtu.be/_f6owc3O_gY
awesome, and pretty good.
Has anyone noticed that the Yankees subbed out Jeter and subbed in A-Rod and now they are winning?
did you see the Posada quotes that A-Rod (and all those other steroid cheaters) don't belong in the HoF?
Apparently, only True Yankees belong. Hahahaha!
From Chris Jaffe in the My Goodness Am I Getting Old File :
20 years ago today, the Springfield children fought the Shelbyville children over a lemon tree.
I just watched that episode a few weeks ago. Among my favorites.
oh, old age. D'oh.
so, I filed an amended tax return today, reflecting a very small (three-figure) change in adjusted gross income due to me mis-calculating the amount of 529 account withdrawals that were tax-free. Lessons learned:
1) keep detailed records of the kid's (now kids') college expenses. For American Opportunity Credit purposes, room & board doesn't count towards Qualified Educational Expenses, but for 529 purposes, it does.
2) the effing government sends you a 1098-T form that only reflects tuition, not all of the other stuff. The other stuff includes r&b, required fees, textbooks, and now computer expenses.
3) Turbotax's software for working all of this out sucked for 2013 and wasn't any better for 2014. And the government's own freaking publication (Pub 970) is turrble at explaining what is and is not deductible for what purpose.
bottom line is that with one kid in college, taking the AOC credit will very likely reduce your adjusted QEE to below the amount you've withdrawn if you are relying on 529 funds for all of your kid's college expenses. So you have to pay closer attention than I did.
with two in college for tax years 2015 and 2016, bummah. I'm already claiming the AOC on the Boy's expenses. So I can't double-dip on the Girl's. Shoulda spaced 'em out better. But that also means that I'll have more leftover adjusted QEE to cover the 529 withdrawals.... Le sigh. #firstworldproblems
On a different note, I hope you're getting as much rain as we are. I just had to cancel practice today for Trey's Little League team and it doesn't look good for our game tomorrow. They've already canceled games for tonight. Rained out games this late in the season is pretty much unprecedented from my recollection.
Not a drop today. But looks stormy, and I forgot my umbrella. My cue to go home!
Gumbo for dinner. I'll be happy to tell you that it's good when it's done. I'll be back after 45 minutes of whisking.
CHICAGO. WOOF.
haven't seen much this year, but this HOU/LAC game has been good.
Not for much longer, I think.
yeah, the wheels are coming off.
or not.
Dwight desrves at least a Flagrant 1 for that shit.
Wow. How is this game not a blow-out?
Clippers' collars looking very tight.
Good lord.
They finally foul Smith...too late.
Hey, Stick! Time to rethink that power rating.