Got a lot of events ramping up for the start of school in the next week. That seems like summer went fast, but guessing the kids think it went faster.
17 thoughts on “August 13, 2023: Up Ahead”
Some more for NBB:
Corporate jargon is hilarious.
Avoid people who only talk using these terms:
Synergy Ping me Deep dive Hard stop Rock star One Pager Rightsizing Circle back Bandwidth Good catch Silver Bullet In the weeds Table stakes Park this idea Balls in the air Boil the ocean Ducks in aβ¦
Geez. I get that there are some very overused phrases but, at this point, are we allowed to say anything at work without being labeled a dork? What else should we use instead of "circle back". Let's stop this discussion right now and sometime in the future we will visit this topic once again?
Joey Gallo now has 20 career HRs in a Twins uniform. Others players with 20 include: Marwin Gonzalez, Aaron Hicks, Edaurdo Nunez, and Mark Salas
This was before yesterday's game:
Joey Gallo has hit .149 in his last 75 games, which is the worst batting average by any player in #MNTwins history over a 75-game period.
Drew Butera was the previous record holder with a .152 batting average over 75 games in 2011.
Also, why 75 games?
I haven't found the exact cut-offs, but Butera hit .157/.191/.227 from April 28 through September 21, 2011. That's -20 runs. I tried to figure out if he was a framing savant but considering this is the team that signed Doumit the following year, Butera had -8 framing runs for the season.
Gallo hit .149/.275/..343 from April 29 through August 11. That's -8 runs. OAA has him just below average in the field, at -1 runs. He's been bad and should not be on the team, but has quite a ways to go to reach Butera.
Yea. This is not one of his better takes. Not as bad as his jihad against Pagan, but a bit unfair to Joey.
That said, Joey doesn't belong any more. It was an experiment that didn't work out.
Schwarber and Gallo had virtually the same BA going into this game. Your WAR may vary
That Schwarber deal ($20m per year, for barely positive offense and atrocious defense in over 525 PA this year) looks particularly bad in light of the Gallo deal.
So, hive mind. Withdraw remodel/rebuild funds from a taxable investment account and take the tax hit, from traditional IRA and take the tax hit, from Roth accounts and lose the tax-free growth long term, or take out a HELOC and spread withdrawals over 3 years (from either the taxable, traditional or Roth), taking the interest rate hit?
I am looking at the need for low six figures. The ridge beam replacement, including additional required demo, then some framing work, alone will be in the neighborhood of $70k.
On the one hand, we have more than enough in retirement funds to supplement my pension and her job to keep us off the streets. On the other hand... isn't home ownership grand?
Here's my current thinking. IRA withdrawals are taxed at ordinary income marginal rates. So, call it 22-24 pct. Taxable account is mostly long-term capital gains, so 15 pct. Current HELOC rates are around 8 pct. But I would have to raid those accounts anyway to make the payments. So I would just be paying interest costs to spread the payments out.
I guess I am answering my own question. Drain the taxable account first. I would like to preserve the Roth accounts as best as possible and I want to take this income spike now (before I turn 63, since that is the income year that my Medicare rates will be based on).
Add some solar panels and get government help
Mmmhmm.
I would love to add solar, but that is not in the budget for a few years. (We would have to add in batteries to make it economic under California's new rules, which pay marginal rates for new installs rather than running the meter backwards, as for existing. The duck curve means that rates would be near zero during peak production -- you have to be able to shift your excess power now. That makes the break-evwn much longer).
Some more for NBB:
Rock star definitely overused in my workplace.
Geez. I get that there are some very overused phrases but, at this point, are we allowed to say anything at work without being labeled a dork? What else should we use instead of "circle back". Let's stop this discussion right now and sometime in the future we will visit this topic once again?
Joey Gallo now has 20 career HRs in a Twins uniform. Others players with 20 include: Marwin Gonzalez, Aaron Hicks, Edaurdo Nunez, and Mark Salas
This was before yesterday's game:
(Butera only had 5 HRs as a Twin.)
World Series winner* Drew Butera.
Also, why 75 games?
I haven't found the exact cut-offs, but Butera hit .157/.191/.227 from April 28 through September 21, 2011. That's -20 runs. I tried to figure out if he was a framing savant but considering this is the team that signed Doumit the following year, Butera had -8 framing runs for the season.
Gallo hit .149/.275/..343 from April 29 through August 11. That's -8 runs. OAA has him just below average in the field, at -1 runs. He's been bad and should not be on the team, but has quite a ways to go to reach Butera.
Yea. This is not one of his better takes. Not as bad as his jihad against Pagan, but a bit unfair to Joey.
That said, Joey doesn't belong any more. It was an experiment that didn't work out.
Schwarber and Gallo had virtually the same BA going into this game. Your WAR may vary
That Schwarber deal ($20m per year, for barely positive offense and atrocious defense in over 525 PA this year) looks particularly bad in light of the Gallo deal.
So, hive mind. Withdraw remodel/rebuild funds from a taxable investment account and take the tax hit, from traditional IRA and take the tax hit, from Roth accounts and lose the tax-free growth long term, or take out a HELOC and spread withdrawals over 3 years (from either the taxable, traditional or Roth), taking the interest rate hit?
I am looking at the need for low six figures. The ridge beam replacement, including additional required demo, then some framing work, alone will be in the neighborhood of $70k.
On the one hand, we have more than enough in retirement funds to supplement my pension and her job to keep us off the streets. On the other hand... isn't home ownership grand?
Here's my current thinking. IRA withdrawals are taxed at ordinary income marginal rates. So, call it 22-24 pct. Taxable account is mostly long-term capital gains, so 15 pct. Current HELOC rates are around 8 pct. But I would have to raid those accounts anyway to make the payments. So I would just be paying interest costs to spread the payments out.
I guess I am answering my own question. Drain the taxable account first. I would like to preserve the Roth accounts as best as possible and I want to take this income spike now (before I turn 63, since that is the income year that my Medicare rates will be based on).
Add some solar panels and get government help
Mmmhmm.
I would love to add solar, but that is not in the budget for a few years. (We would have to add in batteries to make it economic under California's new rules, which pay marginal rates for new installs rather than running the meter backwards, as for existing. The duck curve means that rates would be near zero during peak production -- you have to be able to shift your excess power now. That makes the break-evwn much longer).
New City Editions.
Rows, going to see MΓΆtley CrΓΌe at the ballpark tonight? π
Afraid I'm going to miss out on that. π
Former Twins take it to NYY today