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Messages - ben ji

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Kansas State Football / Re: Can we go 7-5 in 2019 ?
« on: April 18, 2019, 09:27:48 PM »
The difference between 5-7 and 7-5 will come down to Skylar's ability to put a scoring late drive together when the game is in the balance. To that end, it will be interesting to see how much power to command the offense they give to him, including changing plays in-game.

Agreed. Sklyar is our only known playmaker on offense and our season will be determined on how well he performs.

I'm just glad his chances of getting sketti brained went down by 50% when snyder retired.

Essentially Flyertalk / Re: New To Investing Thread
« on: April 18, 2019, 09:19:55 PM »

Fresh out of college ben ji and his bro's used to get hammered at the bars in westport then take a cab to Harrahs casino and resort to do a little late night gambling on the riverboats. One night ole ben ji won about $700 playing blackjack (more than he had ever won in his life) and decided that instead of putting it back into his checking account to he would start one of those Roth IRA's had been reading about and begin contributing a couple hundred a month.

8 years later I want to go back and pat myself on the back and say "You've done good ben ji, you've done real good"

Essentially Flyertalk / Re: chum1's dumb job stories
« on: April 18, 2019, 08:50:40 PM »
I have thoroughly enjoyed chum's work stories, keep them coming.

Essentially Flyertalk / Re: Shame Yourself
« on: April 18, 2019, 08:48:45 PM »
I once took a phone call while walking around the library of congress in DC. We were in a side museum type area not the main hall but my GF gave me the  :horrorsurprise: look.

Essentially Flyertalk / Re: New To Investing Thread
« on: April 17, 2019, 10:17:31 PM »
No I get that’s how it works currently. But it’s clearly a loophole that seems like it could get closed any time before you reimburse yourself.

Reading the article it looks like it is treated as tax deferred on growth after 65, so still not a terrible deal.

Even if they close the loophole that lets you withdraw the funds Xfinity years later you are still able to invest money before it is subject to taxes/SS/Medicare. The funds can also grow tax free while you are young/healthy and can be used later when you are old and have more medical expenses.

HSA's are the perfect investment platform for young healthy people and are not going away. If anything the amount you can contribute to them will increase to help people save for large medical expenses later in life.

Essentially Flyertalk / Re: New To Investing Thread
« on: April 17, 2019, 09:57:11 PM »
So at 60-whatever you can withdraw HSA funds either tax free to reimburse previously incurred medical expenses or tax deferred (on the growth) for any other purpose?

You can spend your HSA money on medical expenses, it comes with a debit card....BUT if you spend after tax money (Savings/checking) on health services you can reimburse yourself from the HSA right away or 30 years from now. In that 30 years your money is invested and growing.

Read the article i posted earlier.

Essentially Flyertalk / Re: New To Investing Thread
« on: April 17, 2019, 09:39:39 PM »
Talk dirty to me some more
What if I told you I have never spent any of my HSA funds and pay all medical expenses out of pocket?


I’ve heard of this but don’t get it. First it’s always a bit risky exploiting a loophole that congress could close anytime over the next 20 years that would mess up the strategy. But also, like the only expense guaranteed to go up when you get older is healthcare. So those funds are definitely getting spent either way.

Funds you contribute to an HSA (through an employer plan) are not subject to income tax AND not subject to SS/Medicare, this is basically an extra 7%. Funds you contribute to a traditional IRA/401k have SS/Medicare taxes applied. Essentially funds you contribute to your HSA are never taxed by the government in any way until you are old. When you reach a certain age (not going to google it now but its in your 60's) you are eligible for medicare and any funds you still have in your HSA are treated like a traditional IRA.

Scenario - Lets say you are a good looking great smelling KSU grad fresh out of college who is in excellent health and ready to take on the world. You expect to have low medical expenses (basic checkups/minute clinic stuff) for the next 10 years and an extra $3,400 to invest. You could just put that $3400 in a traditional could sign up for the HDHP health plan and contribute $3400 a year and invest it which is actually worth around $3655 (no SS/Medicare taken out).

After 10 years (Assuming 7% real growth) your IRA balance would be worth $48,477, your HSA balance would be worth $52,190. Run that simulation out to 20 years and its $143,687 vs $154,857, keeps getting larger after that.

You can also pay medical expenses with funds from your checking/savings account and then reimburse yourself Xfinity years down the road after the money has grown tax free for Xfinity years. Spending 2k on lasik this year? Pay with regular funds and save the receipt and then 20 years from now you can withdraw that 2k from your HSA tax/ss/medicare free, in that 20 years that 2k grew to 7.7k so you netted 5.7k in todays dollars by doing this.

This article explains it pretty well

Essentially Flyertalk / Re: New To Investing Thread
« on: April 17, 2019, 06:25:53 PM »
Talk dirty to me some more
What if I told you I have never spent any of my HSA funds and pay all medical expenses out of pocket?

Essentially Flyertalk / Re: New To Investing Thread
« on: April 17, 2019, 03:36:42 PM »
I saved 40% of my after tax/ss/medicare income last year. All into tax sheltered investment accounts (Roth IRA/401k/HSA).

Only thing I have not fully maxed is my 401k contributions but im hoping max that out this year.

My parents get these free charter flights to small casino areas in Nevada (Elko/Laughlin) that fly out of topeka and make stops at other random small airports on the way.
Wait, what?
You have heard or "Churning" to get free airline miles with CC's right? My dad does that with Casinos.

Buy in for a hundred at the craps table, play some minimum bets for a while then cash out chips at the cage.

Take that same hundred from the cage to a different table and play for a while then cash out chips etc etc. At the end of the day the casino shows that he bought in for $1000 when he was actually using the same $200 all day.

The casinos in the Podunk NV towns are desperate for customers during the week and will fly you out and give you free rooms.

Did you know the Topeka airport doesnt have their own TSA? The TSA from MHK have to drive to topeka when needed.

My parents get these free charter flights to small casino areas in Nevada (Elko/Laughlin) that fly out of topeka and make stops at other random small airports on the way.

They were supposed to leave at 730, plane is there and everyone is ready but they are waiting for the TSA workers to arrive from MHK.

Essentially Flyertalk / Re: Where in the Southeast would you live....
« on: April 15, 2019, 08:09:57 PM »
Yeah, the south starts across the Potomac. Maybe even further now but we will still include norther virginia as the south for now.

Nice rebar caps
I have an intense fear of poking myself in the eye while im bending over tending my garden.

Last year i grew some corn in the middle of my strawberry patch because.....well i guess i got bored?

Anyways it was a terrible idea and the corn sucked up all the nutrients and my strawberry patch is puny this year. (You can compare the small square of strawberrys that had no corn to the long row)

I bought 2 strawberry plants at the store to bring in some fresh blood, also added a ton of red barn fertilizer last fall so hopefully they grow back strong.

Sugar snap peas are popping along the edges of garden. Also planted a ton of radishes because they grow quickly, will be planting corn there in about a month.

So lets see everyones garden!

Harvested my first asparagus over the weekend. A packet of radish seeds blew off a table and dumped all its seeds in the asparagus bed, im just going to roll with it for now.

Essentially Flyertalk / Re: crap that white midwesterners like...
« on: April 14, 2019, 10:46:26 AM »
debating the zippier merge

Merging immediately instead of using the zipper merge because you feel bad about cutting in front of the other cars.

The discontinued gym headphones I like can only be had by buying from ebay/similar sellers in israel.

For whole lots of reasons I couldn’t get an electric bike shipped to Amman, so I finally just drove to Tel Aviv and went through the whole hassle of the border crossing (where they basically disassemble your car) to buy one and bring it back. I originally tried to just take the shorter bus route to Jerusalem and planned to ride the bike back across the border, but found out this is super not allowed. Anyway, I got to the Tel Aviv bike shop I contacted ahead of time and they had sold the bike I ordered to someone else already. So, not only is this post not really about getting something shipped, but I also still don’t have an electric bike.

Sounds like you need to open up an upscale electric bike shop in Amman!

I have actually pitched this idea to the USAID and ECON offices here. The economy is terrible, traffic and parking are awful, and the entire city is literally built on seven mountains so riding an actual bike is almost impossible.

Just read the wikipedia page on Amman, interesting city. From a population of 1,000 people in 1890 to 1,000,000 in 1990 to currently around 4,000,000. 

1879   500   ?83.3%
1906   5,000   +900.0%
1930   10,000   +100.0%
1940   20,000   +100.0%
1952   108,000   +440.0%
1979   848,587   +685.7%
1999   1,864,500   +119.7%
2004   2,315,600   +24.2%
2010   2,842,629   +22.8%
2015   4,007,526   +41.0%


Was going back through my dads emails looking for any other cats he may have named and that was actually Bobbi's second time being featured! Here she is last fall...Although back then her name was "Bobby". I'm guessing he changed the Y to an I after she got preggers and he realized she was a female.

Bobby On truck hood after milk n bread feeding.

I'm going to try and get my dad to send of picture and brief description of each farm cat he has named.

Meet Bobbi. Pregnant, round, bad eye but very docile, loves to be petted.  Lost half of tail a yr ago.  Very gentile.  Strong pur motor.  Good cat, about 3 yr old.  Lives in Morton barn.  Likes all visitors and especially pets.  Give lots of extra pets when you see her.

Bobbi is a god damn champion farm cat IMO. No excuses, shows up to work every day with her lunch pale and does everything you could want without complaining, a true farm cats farm cat.

Built an alley and set gate 30' off the blacktop so you can get off the highway with truck, trailer.


Sent from my SM-G920V using Tapatalk
Tom out here doing real farm work....My dad keeps saying he is going to replace a very small section of fence but i dont think he has done it yet (and he probably doesnt know how)....busy tending his herd of cats.

I havent been fishing all year but am going to one of my favorite business park ponds after work!  :excited: :excited:

Going trout fishing next weekend with pops at Bennett Springs. Getting pretty excited, guys! @benji, have you ever been? We try to guy about once a year. Try to catch our limit in the morning and then PAK away the rest of the day.  :excited:

Wacky, I saw those massive fish you caught down in Bennett Springs. What kind of bait did you use?

Essentially Flyertalk / Re: handyman-ness
« on: April 08, 2019, 05:04:55 PM »
During a snowstorm this winter the old timey phone line from my house to the utility pole came down (Disconnected from the utility pole). I dont have a home phone so this has had no impact on my life.

Currently the line is pooled up on my patio next to where it goes into the house. What should I do?

Cut the line close to where it enters the house? Its a phone line and only going into my house so I doubt I'm going to die or anything.

Call someone? No idea who it would be.

I'm going to ignore it as long as possible but at some point I'm going to have to do something with it right?

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