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Everything posted by nsplayr
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Given what you meant, this is a funny typo š
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We're all better informed by listening to Duran Duran than to reading straight-from-the-source Russian propaganda like The Duran. Agree with helping Ukraine, disagree with doing that, that's all fine; that particular source of "information" is incredibly bad. It's unmitigated BS and propaganda designed to entice Westerners to support pro-Russian policies. Side note: IDK how some of you guys even watch 2+ hour long video podcasts where it's just 2-4 blurry guys babbling on and S-ing each other's intellectual D-s the whole time. It's literally the most mind-numbing thing I've ever encountered. Here's a recommendation for what to spend your time with tonight:
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Commanders are dropping like flies this year
nsplayr replied to MDDieselPilot's topic in General Discussion
The incentive structure is off in non-ops-oriented units & work areas. They gain nothing from the mission going successfully or going at all. Hell, they may only be vaguely aware at best of what the mission of their installation even is. What inventive do they have to bend the rules, expedite, hell, even follow their own rules to ensure the mission gets done? Very little unfortunately. Heck, I can say the same thing in some ways even for Ops. Too often your OPR / standing in the squadron just assumes everyone is relatively equally competent at the mission so, "Tell me what else you've done lately?" Shop work and extraneous bullshit > flying prowess in most units in my experience, even some good ones. Occasionally there's a no-shitter mission where things have to happen right or people die and then you get a small glimpse into who can actually fucking hack it and who, despite potentially being rated highly on paper, cannot. -
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Oooohh scary! You know who has two thumbs owns Alphabet shares through Vanguard? This guy š I must really be near the inner-most rings of power, in that same all-powerful Vanguard account I also own shares in 499 other large American companies! Tune in next week when I explain how I amassed this power and how you might be able to learn the truth too. #tinfoil
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Ok dude, this is why I retired from this stuff. Iām not interested in these primarily political debates online anymore. What are you hoping to achieve here? Believe what you want. Iāll keep doing my thing in my unit and you can keep doing yours wherever that may be; weāre good over here š¤
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I disagree. I mean, keep an open mind obviously to changing circumstances, but I've had plenty of good commanders, leaders, and fellow service members who I'm pretty sure vote straight ticket one way or the other. Would you feel the same way about other things? What about professed and vocal Christians? Or atheists? Or vegans? Or Crossfitters? IMHO having strong and consistent opinions and preferences on something should not make you "exempt from command." Command should be entrusted to those who can best execute the mission, lead people, manage resources, and improve their units...damn those sounds familiar...š I hear ya here and sort of agree. The office is not the right place for politics, especially when it comes to commenting on your current chain of command. That said, the best Commander and leader I ever served under was a huge Trump fan and everyone knew it. The guy just loved Trump; obviously I do not. BUT, he was an awesome leader and I'd follow him anywhere...except in the voting booth I guess! One of my current favorite SNCO leaders in my unit is also a well-known Trump fan, and again, he's just a great leader of people, takes care of his airmen, is good in the seat, manages programs well, instructs well, great character and family, the total package. I'm proud to be on any team he is on, politics aside. The first sentence isn't accurate. Not willing to debate it though - see my retirement post from arguing about politics. I think my unit handles any DEI issues well, but then again we're like an ~85% white male Guard unit in the South and I'm a southern white male, so perhaps there are issues I'm not seeing. IMHO our unit is well led, lethal at executing the mission, and seems to manage resources & morale well, hard to complain too much. DEI is about the 69th most important thing I worry about at work. Yes. See above though. If it's a political discussion primarily, I'm not willing to bang my head against the wall anymore. If you wanna talk renewable energy, EVs, solar, etc. I'd love to. I also live my values in this regard especially - I have solar on my house, batteries in the garage, and we have exclusively electric vehicles now. It's great! Let's take it offline or to another thread if you'd like. Also FWIW Germany is far from the most advanced country when it comes to renewable energy. They weren't before the Russian invasion of Ukraine and they certainly aren't after it. I don't think anyone has ever claimed that other than maybe you. I'm not sure I've ever said I was a "hard over Democrat." The only thing I'm "hard over" these days is BQZip's mom. I agree that being a hyper-partisan and vocal-about-it military officer is a bad idea, no matter what your particular politics are. I'm not, and the big Trump fans I know in my unit aren't either. We're too busy killing the enemy and figuring out how to keep everyone paid and happy to do more politically at work than typical aircrew banter.
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If you're still under the age cap (seems like you are), you could go active duty. Otherwise the above advice is good - show up multiple drill weekends in a row at your target units. Ask if you can do that, don't just wait to be invited. Bring some beer. Open your aperture too if you're willing to fly anything. Rush heavy units as well as fighters. And I hate to say it but you could consider flying Navy too; at least talk to a semen recruiter. Good luck!
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I am in charge of both, thanks š Do you seriously think that Democrats are not in the military or in other positions of authority? New flash, people of all political stripes serve and do so well. My politics has little to do with my service in uniform. A fellow pilot on my team is a HUGE Trump fan and we joke about it all the time, but we work great together. He gives me shit, I give him shit, we fly the mission, etc. We'll be checking different boxes on election day 2024, but pretty much every other day we're fully aligned on killing our nation's enemies and protecting it's friends & interests with airpower. If that seems weird or foreign to you, I in turn hope that you are retired. TYFYS.
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https://www.washingtonpost.com/world/2024/04/13/iran-israel-drone-missile-attack/ If we need to launch a "massive drone attack" against IRGC-affilated bad dudes in response, I volunteer to take flight lead. I know a ton of good dudes & dudettes who can fill out the strike package šŗšø
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Agree on Sullivan and I like Blinken as well. Yellen is excellent at Treasury, she never should have been replaced at the Fed, although Powell is also good...their policies & philosophy seem very similar. Haaland and Vilsack are quiet A- players in their jobs. Linda Thomas-Greenfield is great at the UN. Overall some hits and some misses, as usual. Hoping that a second term brings some fresh faces in some key positions!
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Not a bad list (disagree about Carson but YMMV), but low-key Mnuchin was the best senior Trump Admin official. And I was highly skeptical of him when he was nominated! Dan Coats as DNI was also good IMHO. Mnuchin also took one of the best cartoon-villain pictures of all time haha.
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Investment showdown -- beyond the Roth, SDP, & TSP
nsplayr replied to Swizzle's topic in Squadron Bar
We're both right; I'm not trolling you. Textbook answer, yes, inflation hurts savers. However IRL who is doing better in today's economic environment? A worker who spends every last dollar and prays his raises keep up with inflation, or Someone who saves (and invests, I should have added that before) in a broadly diversified portfolio heavily weighted toward equities, and also puts their savings in a high-yield savings account that more or less preserves the purchasing power of their saved dollars by offering rates at or slightly above inflation? The second guy is way better, and everyone on this board has the capability to be the second guy. Furthermore inflation helps borrowers who have locked in loans for big-ticket items at lower rates, which also likely applies to lots of people on BO.net, myself included. South American-style hyperinflation, yea you're hosed if you have saved, but that's not what we're seeing here today.- 1,190 replies
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So are we šŗšø https://en.wikipedia.org/wiki/2024_missile_strikes_in_Yemen
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Investment showdown -- beyond the Roth, SDP, & TSP
nsplayr replied to Swizzle's topic in Squadron Bar
Did you consider the economy good Jan 2017 - Jan 2021?- 1,190 replies
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Investment showdown -- beyond the Roth, SDP, & TSP
nsplayr replied to Swizzle's topic in Squadron Bar
You're not wrong that many people are struggling, but then again that's always the case. Inflation in particular punishes people who stupidly overspend and richly rewards those who save. Unfortunately too few people take advantage of that. The stupid-cheap money era particularly since 2008 has also melted a lot of brains and folks have failed to learn how to exist in other fiscal environments that are historically very typical. This was true from early 2021 until early 2023, but is no longer true. https://www.statista.com/statistics/1351276/wage-growth-vs-inflation-us/ I'll make a broader counter-argument though, economic sentiments are often about vibes and expectations. Did you know that inflation today is lower than at any point during the Reagan Administration? Morning in America also had higher unemployment than today. The vibes then were great and the admin was beating expectations compared to what folks got used to during the stagflation of the 70s. Today, despite objectively better numbers on inflation and unemployment rate, the vibes are somewhat bad and this economy has underperformed the expectations of many folks for various reasons. š¤·āāļø I will die on the hill that the economy now is good and that it's a fantastic time to save, invest, and live your best life. This is especially true for the types of people that populate this board, people who are are largely well-educated, well-compensated, and likely equipped with the ability to conceive of & execute a long-term plan. I for one don't sweat the price of, and I truly have to lol here, jeans & "nice shirts" at the NEX š #DadFashion to the max there @ViperMan. What's the price of braided belts like these days? My investing advice remains the same no matter what short of a zombie apocalypse: spend less time doing complex stuff, worrying, trading, etc. Just invest broadly in the most successful companies in the world's most successful economy and chill.- 1,190 replies
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Investment showdown -- beyond the Roth, SDP, & TSP
nsplayr replied to Swizzle's topic in Squadron Bar
Not yet, but I plan on it one day! Thatās the idea of āreal return.ā Real = adjusted for inflation. If stocks are up 7% for the year and inflation was 3% that year, your real return is 4%. My purchasing power for the same basket of goods is 4% higher. With round numbers historical S&P 500 yearly return (last 50 years) is about 11%, and historical yearly inflation (last 50 years) is about 4%, so your average real return investing in the S&P 500 on that time frame is about 7%. This is why investing in large US corporations has been very good in the long-run, you make sizable real returns. This kind of modeling is where you get rules of thumb like the 4% rule, meaning you can safely withdraw 4% of your portfolio yearly in retirement and never run out of money. Under that rule of thumb youāre counting on at least 4% real returns each year, which is conservative given the above numbers that arrived at 7%, but then again you likely donāt have a 100% equities allocation while retired, so less volatile assets usually = lower real returns = a lower safe withdrawal rate. Bottom like: save 25x your desired annual spend, DCA into (mostly) equities indexes while working, slowly adjust to more fixed assets as you age & retire, profit. Save all the extra brain bites way too many folks burn on day trading and complex real estate deals and crypto for learning how to paint or build a canoe or fix old cars or play with your kids & grandkids. Example: I want to spend $100K annually in retirement, I should save & invest to have a $2.5m portfolio at retirement. Take your current age, your desired retirement age, and an annual compounding of approx. 7% per above to figure out how much you need to save & invest annually to reach the target on time. Play with the assumptions as you see fit and model something you are comfortable pursuing. Build in multiple layers of conservative estimatesā¦Iām always a fan of under-promise / over-deliver and you can do that for your future self as well. This is all separate from any social security, VA disability payments or pensions, all of which can significantly lower the size of the retirement investment portfolio you would need to support the lifestyle you want. As always YMMV, but if more people did the above and resisted the siren song to do anything more complex, theyād be better off.- 1,190 replies
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Democratic Admin argues one thing, companies argue another, decided in DOJās favor by a Republican judge. Doesnāt seem particular partisan when the Dem admin and GOP judge both agree with the same argument. That was my point on the politics. That being said, Iām neutral on the actual caseā¦do you have an opinion on this or other mergers thatās worth sharing?
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Yep, that why I mentioned that the Biden DOJ argued the case! Good noticing though. I guess their argument was more persuasive to a very experienced and likely a decently conservative judge than the argument made by the companies. What were the best arguments for and against allowing the merger? At what point is the industry too consolidated? Would you be ok with, say, Delta and United merging today? How did the Delta & NW merger work out? How about American and U.S. Air? And for whom? Shareholders, managers, workers, and customers are all different constituencies. How about McDonnell-Douglas and Boeing merging, how well did that work out? Iām asking genuine questions, other than that last one. Like I said, Iām not an expert and have no dog in the fight of the actual JetBlue/Spirit merger, other than bad experiences flying with both of them. Interested in the thoughts of others here on the pros/cons of both historical airline mergers and possible future defense & aviation consolidation in general.
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Investment showdown -- beyond the Roth, SDP, & TSP
nsplayr replied to Swizzle's topic in Squadron Bar
I mean if inflation is around 3.5% YOY and my investments are up 26% over that same time, my purchasing power increased about 22.5%, which is incredibly good! I will take years like the last 12 months economically every day and twice on Sunday. The āone weird trickā of investing is DCA into a broad index of equities, and literally do nothing else.- 1,190 replies
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Investment showdown -- beyond the Roth, SDP, & TSP
nsplayr replied to Swizzle's topic in Squadron Bar
Hey yāall is BO.net a better place now that literally almost every single thread is a political circle jerk? I for one vote no. My investing advice is VTSAX and chill plus donāt buy too much shit you donāt need. There is little need to go beyond that unless more complicated & time-consuming investing is a hobby you personally enjoy. Most of my portfolio is up ~26% in the last 12 months so life is good there. No trading, no crypto, no art/wine/startups/etc. just DCA into index and move on living life. Literally the easiest path to comfortable wealth available given enough time and some modest inputs, especially if made early on in your life. Also if your parents can be rich Iāve seen (but not personally experienced) that it helps tremendously š Next time around Iād like to try that route out.- 1,190 replies
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Yea that dastardly Ronald Reagan really played the long game on this one! The judge in that case was appointed by Reagan in 1985. I get that the Biden DOJ was arguing against the merger, but it was not them that decided the case. https://en.wikipedia.org/wiki/William_G._Young FWIW Iām not a M&A expert nor an airline business expert, so I donāt really have a dog in the fight on if the merger was a good idea or not. My hot take is that as a customer you shouldnāt fly either JetBlue nor Spirit anyways! Pay for a big boy airline ticket and you & your bags have a much better chance of arriving at your destination fairly close to your intended arrival time.