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CharlesUFarley
| Favorite team: | Auburn  |
| Location: | Daphne, AL |
| Biography: | |
| Interests: | |
| Occupation: | Drives and PLC Guy (Mechanical Engineer) |
| Number of Posts: | 918 |
| Registered on: | 1/13/2022 |
| Online Status: | Not Online |
Recent Posts
Message
re: I’m really starting to question whether we can coexist with the Left…
Posted by CharlesUFarley on 1/17/26 at 9:23 am to Bass Tiger
quote:
many in the federal government are complicit
This should be the easiest part to take care of.
0
re: I’m really starting to question whether we can coexist with the Left…
Posted by CharlesUFarley on 1/17/26 at 8:00 am to Placekicker
That is a borderline stupid question. The left obviously has no intention of coexisting with us, their goal is to change us, one way or another.
If they are doing this, and this operation is organized and funded across state lines, the GOV should be able come down on them hard.
But, of course, it won't.
If they are doing this, and this operation is organized and funded across state lines, the GOV should be able come down on them hard.
But, of course, it won't.
re: Unpopular opinion: Not every man is meant for the trades
Posted by CharlesUFarley on 1/13/26 at 11:44 am to ClemsonKitten
We don't need to send more men to the trades, we need to elevate the tradesmen who are good or great, so that more younger people can see it positively, plus we need to supply the right education when they are younger.
The best example I can think of is comparing early 20th century craftsman houses to what they call craftsman today. Those early houses usually didn't have an architect. That style grew when the tradesmen building the house got better materials and tools to work with and started adding their own artistic touches to the houses.
You can't get one like that today. Those men had skills, but they also thought differently.
The best example I can think of is comparing early 20th century craftsman houses to what they call craftsman today. Those early houses usually didn't have an architect. That style grew when the tradesmen building the house got better materials and tools to work with and started adding their own artistic touches to the houses.
You can't get one like that today. Those men had skills, but they also thought differently.
re: First post on Money Board- 401 k related question
Posted by CharlesUFarley on 1/13/26 at 8:12 am to FLBooGoTigs1
Remember that taxes play a role. If a lot of your money is in traditional tax deferred accounts, you will have to pay taxes when you take them out. Figure out, or just guess, what they're likely to be.
When you planned to take $5000/month, was that before or after taxes? Also, realize you will have to face RMD's when you hit 75. Sometimes not a big deal at all, sometimes a very big deal.
There are numerous online free online calculators that can help. This is a simple one that will tell you how long your money will last based on your life expectancy and risk tolerance. There are better calculators, but this is fine for giving you a quick, easy answer:
LINK
When you planned to take $5000/month, was that before or after taxes? Also, realize you will have to face RMD's when you hit 75. Sometimes not a big deal at all, sometimes a very big deal.
There are numerous online free online calculators that can help. This is a simple one that will tell you how long your money will last based on your life expectancy and risk tolerance. There are better calculators, but this is fine for giving you a quick, easy answer:
LINK
re: How would the world be different if Alexander the Great lived another 20-25 years?
Posted by CharlesUFarley on 1/13/26 at 7:36 am to cbree88
I think his conquests ended because his men mutinied. Maybe they were tired of endless war.
If he had lived, I don't think things would have been the same.
If he had lived, I don't think things would have been the same.
re: Slippery Slope - MN Shooting
Posted by CharlesUFarley on 1/11/26 at 10:09 am to PalletJack
This is worth watching. It is related to this subject. It gives you some idea of the perspective of the LEO. Some times his choice is between shooting or waiting to see if he is still alive. What would you do?
LINK
It's a video of a black activist who went through LEO gun training. It's about 5 minutes, the first 1:30 or so makes the best point
LINK
It's a video of a black activist who went through LEO gun training. It's about 5 minutes, the first 1:30 or so makes the best point
re: Trump may have told us a YUGE lie!!!!
Posted by CharlesUFarley on 1/10/26 at 12:59 pm to thetempleowl
Not until they bring back DOGE and put some force behind it. Congress will keep voting the funds and the fraudsters will just adapt to a new method.
re: When POTUS Trump accepted the GOP nomination in July 2024, NESSUN DORMA played immediately
Posted by CharlesUFarley on 1/10/26 at 12:56 pm to Timeoday
In this movie, the villains were European Fascists. In the book it was based on, it was Islamic Terrorists. Naturally, Hollywood didn't want to offend anyone....
re: Minnesota- what went wrong?
Posted by CharlesUFarley on 1/10/26 at 10:10 am to RandySavage
In the middle 1990's, a guy I worked with who was from there called it "The People's Republic of Minnesota".
My guess is that people like him left, and then a whole bunch of foreigners were added to the people who stayed.
My guess is that people like him left, and then a whole bunch of foreigners were added to the people who stayed.
re: Illegal working for DoorDash meets Minn couple who then meets ICE
Posted by CharlesUFarley on 1/10/26 at 10:03 am to MrLSU
If the Door Dash driver ran into the ladies home, wasn't allowed in by the lady, couldn't they sue the living crap out of Door Dash for placing them in danger?
re: Limited 401k options: Opinions on RFBFX
Posted by CharlesUFarley on 1/9/26 at 9:45 am to notsince98
quote:
What is the complication with selling off some of the target fund and then distributing the money to myself?
Assumption: you are over 59.5 and want to buy a $50,000 car. You want to get the money for it out of your 401K, but the Stock market just pulled back 10% last month. Everything in your 401K is in a target date fund.
You will need to sell some of your target date fun to generate the cash. When you do, you will be selling some of stock holdings and some bond holdings, cementing the 10% loss in your stock holdings that were sold.
It's easy to avoid by just keeping some money allocated to either bonds or cash, but then you have less working in the stock market.
If you choose your own allocation you can choose where to take the $50,000. If you use a target fund it comes out of all assets inside the fund. It may be a small deal to you, but small details, like expense ratios, make a big difference over time.
That said, the American Funds target date funds are one of the best of that type. If you are a Fire and Forget type guy, they will work pretty good. YMMV.
re: Limited 401k options: Opinions on RFBFX
Posted by CharlesUFarley on 1/8/26 at 12:26 pm to notsince98
Does your 401K have an automatic rebalance feature? You might just keep your current investments and just automatically rebalance and achieve a similar result to the Target Date funds, with one important advantage.
Any time you sell shares from a Target Date fund you are selling some stocks and some bonds. So if you needed some money from your account to pay for a new car or roof or AC, you'd be selling some of your stock holdings to do that. If you allocate yourself, you can decide where the money comes from.
Also, check and see if your plan allows in-service rollovers. Some do.
Any time you sell shares from a Target Date fund you are selling some stocks and some bonds. So if you needed some money from your account to pay for a new car or roof or AC, you'd be selling some of your stock holdings to do that. If you allocate yourself, you can decide where the money comes from.
Also, check and see if your plan allows in-service rollovers. Some do.
re: Crawfish Étouffée with...beef broth???
Posted by CharlesUFarley on 1/7/26 at 9:14 pm to Degas
There is a Thai dish called Lahd Na that is beef gravy based. It is exceptional with chicken. White meat chicken.
Try it before you knock it. Layered flavors can be profound.
Try it before you knock it. Layered flavors can be profound.
re: Making an 8,600 dollar Roth IRA contribution Friday.
Posted by CharlesUFarley on 1/3/26 at 11:59 am to Bestbank Tiger
quote:
SPX/SPY is always safe.
33% of SPY is the MAG 7.
Do you believe in bubbles?
If the OP has a long enough timeline, it probably won't matter. If he's thinking ten years or less, could be a real issue.
re: It’s no coincidence - MN Fraud & Johnson/Graham lawsuits
Posted by CharlesUFarley on 1/2/26 at 9:51 am to loogaroo
quote:
There is no way in hell the GOP didn't know about this.
Yep. It's probably why they didn't support DOGE and Musk.
re: Is Whataburger worth visting?
Posted by CharlesUFarley on 1/1/26 at 8:42 pm to braves21
No
re: The new mayor of New York wants free child care for all....
Posted by CharlesUFarley on 12/30/25 at 9:53 am to Louisianalabguy
He's a commie. Commies always want to get to the kids as early as they can. That "free" daycare will become "mandatory" day care where the commie and his minions can make sure there's new generations of commies coming soon.
re: For many cultures Fraud is an alien concept.
Posted by CharlesUFarley on 12/28/25 at 3:19 pm to The Baker
Which is why we shouldn't be letting people from places like that into this country to begin with.
re: Best sauce to compliment a steak
Posted by CharlesUFarley on 12/23/25 at 2:03 pm to GeauxTigahs92
Horseradish sauce is pretty good.
I like variations of Meuniere sauce, but that is supposed to be for fish, but if you use Worcestershire in it, it goes well with steak.
You might also consider a mushroom sauce if they will eat that.
I like variations of Meuniere sauce, but that is supposed to be for fish, but if you use Worcestershire in it, it goes well with steak.
You might also consider a mushroom sauce if they will eat that.
re: Trump has approved two new battleships to be built
Posted by CharlesUFarley on 12/23/25 at 1:43 pm to DavidTheGnome
quote:
Such a huge waste of money wtf. We found out battleships were obsolete almost 100 years ago.
Everything we used 100 years ago is obsolete today, thought the B-52 may actually be in service for 100 years if continues to be useful. The destroyers we use today are 5-10 times the size of the ones we used in WW2, they are actually larger than most cruisers we used in WW2, but their armament is totally different except that they do still use a 5" gun.
They are referring to this ship as a guided missile Battleship, the designation would be BBG, the old battleships were BB, the last one being BB-64 or 65 depending on if the USS Kentucky, which was never finished, got a number.
This idea has been around since the 1990's. Back then, it was the Arsenal Ship that was a large platform for cruise missiles that could pack massive firepower with a relatively small crew. That was cancelled by Clinton.
The Battleship faded away because it was no longer strategic. The seas were ruled by Aircraft Carriers, and today, submarines.
re: Would cutting Social Security?
Posted by CharlesUFarley on 12/22/25 at 8:59 am to dcbl
quote:
But the retirement age MUST be raised
Before we cut benefits or raise the retirement age, we need to continue the work DOGE was doing and root out every bit of waste, fraud, and abuse in SS and other programs.
Also another way to solve a potential shortfall is to issue a non-refundable tax credit that people who do have assets could use to maybe avoid taxes on their withdrawals from IRA/401K, etc, or to avoid taxes on a Roth conversion. Make the cumulative, like a loss carry forward. Give the people some new tools to manage their assets.
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