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Category: Community
Forum: Teams
Thread:  Join "MyOnlineTeam" Today - Chapter 49 |
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Thread Status: Active Total posts in this thread: 503
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RT
Master Cruncher USA - Texas - DFW Joined: Dec 22, 2004 Post Count: 2636 Status: Offline Project Badges: 
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 Good Sunday Morning MOT Congratulations Gerald, Judson and jpenning. Lots of milestones recently. keith-dtk. That discussion of the time value of money and peace of mind is always tricky; especially if you are entering retirement. My wife is one of those people that want the "piece of mind". When we retired, she talked me out of a couple of decisions. And, it was a good thing that I listened; had I not, I would be "listening" a lot more  Judson, I will remain in the right lane for when you come wooshing by. |
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keithhenry
Ace Cruncher Senile old farts of the world ....uh.....uh..... nevermind Joined: Nov 18, 2004 Post Count: 18665 Status: Offline Project Badges: 
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keith-dtk. That discussion of the time value of money and peace of mind is always tricky; especially if you are entering retirement. My wife is one of those people that want the "piece of mind". When we retired, she talked me out of a couple of decisions. And, it was a good thing that I listened; had I not, I would be "listening" a lot more Yes, it's tricky because the answer differs for everyone. I have a wicked practical streak that can drive folks crazy so I've come to focus more on cash flow than maximizing returns and such. Having enough coming in on a regular basis to at least match what's going out has a lot going for it. Many years ago, we paid off all our debt and then started saving up for a down payment. When we bought our house, we put 20 percent down. I was fortunate to get a mortgage that didn't require us to escrow for taxes and insurance. I do that anyway, just on my own. I also do anything else that isn't paid monthly. Eliminating those big fluctuations from month to month in cash flow does wonders! I'm working on getting up to having cash on hand to cover 24 months of all expenses but still have a ways to go. Getting the house paid off before I retire is a big goal too. For me, the last thing you want in retirement is a mortgage payment. One of the few good things about the big recession is that a lot of folks have learned the importance of saving. |
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keithhenry
Ace Cruncher Senile old farts of the world ....uh.....uh..... nevermind Joined: Nov 18, 2004 Post Count: 18665 Status: Offline Project Badges:
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MyOnlineTeam Daily Statistics for 04/10 - All Members:
----------------------------------------Team rank movement report =========================
Points milestones report ======================== RT reached 86,000,000 points  pramodp reached 900,000 points Runtime milestones report ========================= No runtime milestones found.  Results returned milestones report ================================== judson Somerville MD reached 65,000 results finman reached 16,000 results imin reached 3,600 results New members report ================== No new members found. Retired members report ====================== No new retired members found. For the week as a team: Statistics Total Run Time Points Results Team Records: Results Returned: 12/19/2007 2,522 Points: 04/06/2011 970,879 Runtime: 01/25/2006 1:123:00:53:34 Good crunching folks!!!!! ---------------------------------------- [Edit 1 times, last edit by keithhenry at Apr 11, 2011 1:56:45 AM] |
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keithhenry
Ace Cruncher Senile old farts of the world ....uh.....uh..... nevermind Joined: Nov 18, 2004 Post Count: 18665 Status: Offline Project Badges:
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MyOnlineTeam Daily Statistics for 04/10 - Active Members
----------------------------------------Active team members report ==========================
Note: Active members are those who earned points in the prior 30 days. Top Twenty active members returning points today: 01: judson Somerville MD - 162,292 points 02: RT - 152,479 points 03: Coingames - 55,436 points 04: GeraldRube - 55,236 points 05: finman - 44,955 points 06: parmesian - 41,908 points 07: David Autumns - 36,987 points 08: dkt - 34,402 points 09: brown chris - 25,894 points 10: xroule - 24,676 points 11: darth_vader - 17,747 points 12: NiceMedTexMD - 17,164 points 13: jpenning - 15,737 points 14: Vuj - 14,739 points 15: Fanie - 13,894 points 16: keithhenry - 12,829 points 17: Rene Punt - 12,164 points 18: Alain Bryden - 11,635 points 19: lawrencehardin - 7,119 points 20: PohSoon - 6,805 points Total points returned today: 818,064 Active members returning points today: 43 Average points per member active today: 19,024.74419 |
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keithhenry
Ace Cruncher Senile old farts of the world ....uh.....uh..... nevermind Joined: Nov 18, 2004 Post Count: 18665 Status: Offline Project Badges:
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................................CONGRATULATIONS RT ON REACHING 86,000,000 MOT POINTS !!!................................ |
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keithhenry
Ace Cruncher Senile old farts of the world ....uh.....uh..... nevermind Joined: Nov 18, 2004 Post Count: 18665 Status: Offline Project Badges:
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..............................CONGRATULATIONS pramodp ON REACHING 900,000 MOT POINTS !!!.............................. |
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Somervillejudson@netscape.net
Veteran Cruncher USA Joined: May 16, 2008 Post Count: 1065 Status: Offline Project Badges:
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Yes, I always try to save at least 10% of what I earn. You never miss it and it has been a life saver more then once. Nothing like missing close to a year of work with no saving! People often think it can never happen but sometimes it does! RT you will in the right lane for years if you wait for me! Now back on HCC and length of time to complete WU's dropped from about 2:12+/- on the more powerful crunchers to 1:43+/-. Not a bad difference so hopefully as a team will break our MOT results records any day now! It is never bad to spend less then you earn!!!
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keithhenry
Ace Cruncher Senile old farts of the world ....uh.....uh..... nevermind Joined: Nov 18, 2004 Post Count: 18665 Status: Offline Project Badges:
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By my rough estimate, RT is about two weeks away from completing his first century of crunching.
----------------------------------------pramodp, that first million is getting close now! Not much more. It looks like Dr. Mike's points are dropping. I really hope he's okay but I'm still worried!! It looks like we'll pass our production for all of 2008 in about 7-10 days. We are just shy of averaging 735K points a day for the year. Another 18 results returned today and we would have broken our 3.75 year old results record. |
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RT
Master Cruncher USA - Texas - DFW Joined: Dec 22, 2004 Post Count: 2636 Status: Offline Project Badges:
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Good Monday Morn Team snip..snip It looks like Dr. Mike's points are dropping. I really hope he's okay but I'm still worried!! snip..snip Another 18 results returned today and we would have broken our 3.75 year old results record. I had not noticed Dr. Mike's points but it has been a while since we have heard from him.. Now you have me worried as well Keith. Since several of us are back to the new improved HCC windows project, we should get through quite a few WUs now. I am expecting my new MB to come in today so I will not have all hands on deck but still should have a good day. |
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Former Member
Cruncher Joined: May 22, 2018 Post Count: 0 Status: Offline |
keith-dtk. That discussion of the time value of money and peace of mind is always tricky; especially if you are entering retirement. My wife is one of those people that want the "piece of mind". When we retired, she talked me out of a couple of decisions. And, it was a good thing that I listened; had I not, I would be "listening" a lot more Yes, it's tricky because the answer differs for everyone. I have a wicked practical streak that can drive folks crazy so I've come to focus more on cash flow than maximizing returns and such. Having enough coming in on a regular basis to at least match what's going out has a lot going for it. Many years ago, we paid off all our debt and then started saving up for a down payment. When we bought our house, we put 20 percent down. I was fortunate to get a mortgage that didn't require us to escrow for taxes and insurance. I do that anyway, just on my own. I also do anything else that isn't paid monthly. Eliminating those big fluctuations from month to month in cash flow does wonders! I'm working on getting up to having cash on hand to cover 24 months of all expenses but still have a ways to go. Getting the house paid off before I retire is a big goal too. For me, the last thing you want in retirement is a mortgage payment. One of the few good things about the big recession is that a lot of folks have learned the importance of saving. I hear what you are saying. I have had my house paid off for some time and I have been retired for over a year. Come April 15, I will be 68 young years old. All I have to do is keep all those in my family in check as to what they spend. However, they come back saying I am spending too much on the house. Of course I can always get back to them by saying I am increasing its value and I am eliminating or reducing some of our monthly expenses. As to what is happening on Wall Street, etc., a lot of things are becoming cheaper but I have to keep an eye on what I have to make sure I sell (and buy) at the right time. |
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