LEOs: How did you get into law enforcement?

[TheIntrepid]

You're just mad that I just owned you, old man.

And I like how you can't spell my name right even though it's plainly written out 4 times in this page alone (not including this post).

Nicely done

[hounddog]

You're just mad that I just owned you, old man.

And I like how you can't spell my name right even though it's plainly written out 4 times in this page alone (not including this post).

I spelled it that way on purpose, ding dong.

I was just joking around, but if you keep rolling your eyes at me, you may not want to meet me in person.  Boy.

[Raghavan]

I spelled it that way on purpose, ding dong.

I was just joking around, but if you keep rolling your eyes at me, you may not want to meet me in person.  Boy.

[TheIntrepid]

I was just joking around, but if you keep rolling your eyes at me, you may not want to meet me in person.  Boy.

Dad?


(My father gets REALLY pissy whenever anyone rolls their eyes. It's his biggest pet peeve)

[hounddog]

Dad?


(My father gets REALLY pissy whenever anyone rolls their eyes. It's his biggest pet peeve)

For the record;
We are partying here tonight, I was on and walked away a few minutes.  Dickhead Rohan Randy has been messing around.  Please ignore him, for he is too drunk to know what he does.  Sorry, all.

[hounddog]

Looks like he started in about the time Rag pointed out that I was wrong who posted the comments about the extra couple grand.  Again, sorry.  Scratch that, he will be sorry. 

[CALL_911]

Looks like he started in about the time Rag pointed out that I was wrong who posted the comments about the extra couple grand.  Again, sorry.  Scratch that, he will be sorry. 

There's gonna be some pwnage in that house tonight...

[TheIntrepid]

There's gonna be some pwnage in that house tonight...

It's like they're 10 year olds.

[CALL_911]

It's like they're 10 year olds.

[TheIntrepid]

Playful fighting, etc. It's pretty funny.

[Raghavan]

Looks like he started in about the time Rag pointed out that I was wrong who posted the comments about the extra couple grand.  Again, sorry.  Scratch that, he will be sorry. 

Maybe he's just paying you back for that prank you pulled on him as payback for the prank he pulled on you...

[Rupert]

Notice your use of a form of the past tense.

By that age, most people are sick of working.  That's why planning for retirement is important.  What's fulfilling at 25 or 30 may not be at 55 or 60.  I think the mistake many younger people make is to not recognize that the way they'll want to spend their time will change as they get older, and they fail to take the steps that will allow them to accomodate their preferences as they age.  Most people can't keep up the same pace at 60 that they did at 25, and few would want to in any case.

I know plenty of old people (over 45 ) who still lead fulfilling careers.

[Rupert]

It's like they're 10 year olds.

Or 18 year olds.

[J86]

the retirement advice is useful too, I was wondering if someone was gonna suggest that...

'boat boy', ha!

[dazzleman]

I know plenty of old people (over 45 ) who still lead fulfilling careers.

Well, that's great for them.  Mine is still somewhat fulfilling, but the issue is not so much fulfillment but the level of demands it makes on me.

With all the communications devices available now, most people have seen significant intrusion of work into their personal time, and as people get older, it becomes more difficult for most to keep up with the demands.

[dazzleman]

Thats pretty short sighted, but thats just my opinion. 
First off, its ONLY a couple grand.  While I realize that may be his only cushion right now, IT IS NEVER TOO EARLY TO PLAN FOR RETIREMENT.

Why is it so hard for you guys to understand that?  If I took that approach, I would be on medical disability drawing only pennies on the dollar.  ($758/mo. to be exact)

Money Market?  Seriously?  MMA's are about 4-4.75% average right now.  Savings are about the same.  He might just as well leave it in savings.

Tony, I agree with you in principle about the need for early savings, but I think you're taking it to too much of an extreme.

First off, it may be ONLY a couple of thousand to you and me, but if that's your only money, then it's a lot of money to you.

As far as saving for retirement goes, I think people should start saving for retirement as soon as they start working full time.  I did.  [Though in reality, the money I saved during those early years was a pittance compared to what I'm saving now because my income then was so low compared to what it is now.]  But Josh isn't even done with school yet.

Also, no way should any person's entire investment portfolio be in a retirement account.  There has to be some in regular accounts to meet current needs.

Eventually buying a home is an important part of retirement planning also, IMO, and that's a more immediate goal than retirement accounts at this point.

It's really all about balance.  It's important to save for tomorrow, but you have to live for today too, because you can't be sure tomorrow will come (I know you know that).  Most people today go too far in the direction of living "in the moment" without thought of the future, but it's not good to go too far in the other direction either.

[TheIntrepid]

Or 18 year olds.

Touch?.

[the nameless one]

He's in college and has more important expenses than saving for retirement.

Unless he was planning on putting that money towards tuition, an expendiature that result in a gain in earning power down the road, I would say the $$ should stay where its at. If his "more important  expenses" consisted of beer and pizza spending money, he doesn't really "need" that stuff.

[TBR]

Money Market?  Seriously?  MMA's are about 4-4.75% average right now.  Savings are about the same.  He might just as well leave it in savings.

Which is within .5% of a $10,000 min CD (asked my advisor about it last month) and far more than a traditional savings account.

It would be plain retarded for a 20 year old college student to lock up his money, unless he is just rolling in it (which I am guessing he isn't it). It is too early to start saving for your retirement when you're not earning a consistent pay check and have considerable expenses directly ahead of you.

[rohan]

'boat boy', ha!

HA!  We'ld been at it quite a whiole when I was here-    Tony was pretty pissed at me.    Threatened to cut me off 

[S204STi]

Great, I'm glad this turned into four pages of our pubescent members displaying their stupidity, yet again...

[GoCougs]

Apologies for the mild hijack, but it seems appropriate here: if you old(er!) guys were 20 and had 2 grand to play with, what would you do with it besides have it in a CD?  I don't exactly have my parents to fall back on for what I call innovative and impressive financial advice...

I'd just keep it in savings and spend only what you have to.

College is too rife with unexpected expenses to sock it away permamently.

[dazzleman]

I'd just keep it in savings and spend only what you have to.

College is too rife with unexpected expenses to sock it away permamently.

That was my point.  People shouldn't tie money up until they have a steady income, and a base of cash to cover unexpected contingencies.

[Raghavan]

Unless he was planning on putting that money towards tuition, an expendiature that result in a gain in earning power down the road, I would say the $$ should stay where its at. If his "more important  expenses" consisted of beer and pizza spending money, he doesn't really "need" that stuff.

He wants to spend it on a tutor, so yes, he'd gain money down the road.
I was arguing that putting that money into retirement instead of spending it for a tutor is really really dumb.

[Raghavan]

Great, I'm glad this turned into four pages of our pubescent members displaying their stupidity, yet again...

Actually, Roy, it was Hounddog who started the "save for retirement" thing, and the Psilos was arguing with him. Then I was arguing with Hounddog.
So no, it wasn't the usualy me, Ro and Trep thing this time. You can't blame us.

[CALL_911]

Actually, Roy, it was Hounddog who started the "save for retirement" thing, and the Psilos was arguing with him. Then I was arguing with Hounddog.
So no, it wasn't the usualy me, Ro and Trep thing this time. You can't blame us.

2 things I've noticed about those arguments:

1. They never happened, or involved me when I "wasn't" 15.
2. They're always one of us against Trep. 

[the nameless one]

He wants to spend it on a tutor, so yes, he'd gain money down the road.
I was arguing that putting that money into retirement instead of spending it for a tutor is really really dumb.

It is never too soon to start good saving habits.

[J86]

maybe it wasnt such a mild hijack!

Sorry, Roy!

[dazzleman]

maybe it wasnt such a mild hijack!

Sorry, Roy!

I hope you're happy that you ruined the thread, Josh.....

Actually, I think the original question in the thread was answered by the LEOs, so it have probably run its course anyway.  But don't let that alleviate your guilt, man...

[TurboDan]

You know, I just realized something.  In Michigan, where I live, my driver license is under medical revocation until review.  BUT, I can legally drive my boat on the open water. 

AND DRINK A BEER WHILE I DRIVE IT. 

WTF?

Haha, weird, isn't it?  I was driving a boat years before I was old enough to drive a car.  An officer from the NJ State Police Marine Division came into my elementary school (7th grade, I think), gave a boating course over a few weeks and we all got our boat operator certificates (assuming we passed the test).  Now everyone needs the certificate, but until a couple years ago, you only needed certification to drive in closed, lake waters.  Not open bays or the ocean. 

And, not only can you drink and drive at the same time, you can drink and drive WHILE GOING AS FAST AS YOU WANT!  Hehe, I love boating!

(Yes, .08 still applies.)