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Dec 16, 12:33am

Average CBer after Christmas dinner

Longseason

11:16am

I think one of the benefits of AI will be the construction of new Nuclear Energy Facilities

jvr7 All-American

11:12am

Until AI decides they’re done with humans and melts down all reactors.

pink22

11:13am

*sniff*

TNT

11:15am

Didn't I read the Microsoft is trying to restart a Nuke PowerPlant JUST for them

Xenon

11:14am

AI is about 10x as energy intensive as normal search

Himni

11:16am

Recommendations for a home printer? 90% is B&W but some color would be nice.

CougsOrDeath

11:12am

If you are looking for cheap, the tank options for ink are a good option

jvr7

11:14am

Epson EcoTank printer. A little bit more upfront but ink is way cheaper.

Cosmodiar

11:14am

Lot of people think McDonalds sucks

Cougrrrs Roll

11:07am

It's not the best, but I go because of 3 things:

Howard Bannister

11:12am

The egg mcmuffin is still the best.

Jay Rick

11:15am

Their breakfast is good but everything else sucks

TNT

11:16am

I go to McDonald's 3x a week but haven't bought a food item in years. DP on ice

Blueto

11:13am

I like McDonalds burgers, but not my fave by any means.

TheHop

11:14am

And they are wrong (sorry, not sorry TNT)

Jay_L

11:15am

Anyone been to Bobby's Burgers?

RockyBalboa

11:04am

Not here yet. Is there a store in Utah yet?

Cougrrrs Roll

11:10am

Yes. Just opened down in Orem.

RockyBalboa

11:13am

Just went this week. The burger was decent.

All-around BYU

11:10am

POLL: Is your home (primary residence) already paid off?

Pollster QB2

11:04am

I have 27 more years locking in at 2.625%, why would I pay that off?

Gente_Boa

11:05am

Would have but refied 100k at 2.75% a few years ago. Still trying to decide if I regret that or not.

timpjynx

11:09am

If I did, for some reason, pay my house off… I’d just sell it and

Pretorian

11:13am

I think the next AD for BYU should be Cougarboard

Carnac

11:04am

Sell me on the benefits of doing a backdoor Roth.

JuicyJam

11:02am

Roth IRA earnings are not taxable if qualified distribution. That’s the benefit.

allaboutthegainz

11:06am

Depends on the tax bracket you’d be in now with the added distributions

TeeKaa

11:10am

Seems hard to predict what kind of tax bracket you'll be in during retirement.

JuicyJam

11:15am

POLL: Are you planning on having your home paid off by the time you retire?

Bainge

11:00am

Have an amazing interest rate. Still making extra payments. Pay a 30 in 8 yrs.

BleedCougarBlue2

11:03am

😬

Pretorian

11:15am

Was one of our personal requirements. It is amazing how much money you can save

O Gaucho

11:06am

I was thinking of withdrawing money from my Roth IRA at age 59.5 to pay off

Windward_Coug

11:09am

My heart says "do it" for peace of mind, but with the current earning power of

Hawk in the 303

11:14am

Hopefully well before then - just over 10 years left on a 3% 15 year.

XORCoug

11:10am

It's nonsensical that it's even a question for me.

Belboz

11:12am

Kinda?

Xenon

11:13am

Wazzu coach Dickert is gone, 22 players are in the transfer portal. Do they still play the game?

Conan Best Poster on CB -JD Power

11:00am

Italy or France? Planning a trip Mar 16-31 with the grandkids, 17 Boy & 14 Girl

TeeKaa

10:59am

Both are great but Italy is endless. If you haven't been then you should

oxcoug

11:02am

Just read your connected post - one site I would add is Bolzano. Beautiful! And love the Austrian vibe.

Pollster

11:08am

Italy - I served in France but Italy wins if having to choose one and haven't

franklyvulgar

11:04am

Italy for sure, just got back on a trip from both and did not love France.

cornellcoug

11:04am

I’d normally say Italy but 2025 Jubilee would make me hesitate.

rivercitycoug

11:05am

Just talked about this last night. Think you need 2 weeks in Italy. Here's how I'd divide the time

Soupie

11:06am

Verona should be a must for any visit to northern Italy.

Pollster

11:12am

Massively underrated. Better than Milan unless the Last Supper is your top

oxcoug

11:15am

Italy. They like Americans a whole lot more.

IGlowInTheDark

11:08am

not necessarily we had a bunch of missionaries sent home

franklyvulgar

11:11am

Italy, just got back about a month ago. Best vacation we have ever done.

Swag Kazekage

11:13am

Italy always.

macdizzle

11:14am

What would you do to fix the lack of competitiveness problem at the bottom of

DieHarder

10:59am

Who is the best recurring character in tv?

crimedog Insensitive ....

10:57am

Easy.

XORCoug

10:58am

Nope. Funny but it’s still Flagg

crimedog

10:58am

For which age group? 60+

Fatalplacebo

10:59am

RE: Nope. Funny but it’s still Flagg

crimedog

10:59am

"the wind just broke his leg"

SV Coug

11:04am

They didn't bring Flagg on enough. He only had what, 4 episodes?

BlueFever

11:00am

Theme song from MASH reminds me that my parents are still up and I’m not asleep

Fatalplacebo

11:01am

I don't know, but this is my favorite...

Russell Feathers

11:02am

I've never watched an episode of MASH.

Hawk Talons

11:03am

Bandit.

runnincoug

11:04am

I really only remember one scene with Bandit but it was unforgettable!!

RalphWiggam

11:11am

1) Colonel Flagg 2) Charo on The Love Boat

Howard Bannister

11:05am

"I have written permission to die in the attempt!"

RockyBalboa

11:06am

RE: Who is the best recurring character in tv?

Huge Manatee

11:07am

Chris Elliot on The King of Queens is pretty good.

Pollster

11:16am

Talk about your quick jersey retirement. Clark puts Delly to shame even.

Soupie Grandma Sycamore

10:55am

POLL: Is coke at Costco the most significant announcement of this decade?

P-Boy Squad All-American

10:55am

Best part is if you google it the only web link is to Cougarboard

crimedog

10:59am

If that’s true, then yes. Pepsi is an abomination.

KingDave

11:13am

Anyone know what they're doing at the mouth of AF Canyon?

Howard Bannister

10:51am

They’re demolishing the culvert and clearing out trees and bushes.

pink22

11:12am

Is Ryan descended from Hyrum? Would be awesome to have coach & top donor who are

Cooouuugs

10:50am

There are close to 3M people named "Smith" in the US. Almost 1.0% of the pop.

oxcoug

10:54am

True. But among LDSs, the number that descend from the Hyrum-JosephF line can't

SinkingQuffa

11:11am

I have two BYU basketball tickets vs ASU on Dec 31 for sale. $100 for the two.

Zerigke Ally Zerigke

10:47am

I have a sister-in-law that remarried a couple of years ago. The guy pays no

gwalker

10:47am

It is like speaking to an alien, only they don't have interesting stories about their planet.

airwolf

11:16am

POLL: Should the "tush push" or "brotherly shove" continue to be a legal play?

Pollster QB2

10:46am

yes its too effective

Deleted

10:50am

Only if it becomes league wide effective

scrambled egg

10:52am

and the Eagles aren't as effective with it this season.

Belboz

11:01am

IMO, yes it should be, bring back the Aiding the Runner penalty

CameronG

11:00am

Love what you do and you’ll never work a day in your life

DKN

10:39am

Reminds me of this one.

scootsy

10:47am

Next BYU AD

VinnyBYU

10:38am

RE: Next BYU AD

YIsForBrigham

10:41am

Andy Reid

Knee Brace

10:42am

We are hiring the Man with No Name to be our next AD

BYUheaven

10:45am

I don't think Brian has the connections within college sports. He just has...

ordinary tri guy

10:47am

How long has he been an in the AD? He definitely would have connections

Charles Darwin

10:55am

Well are you going to say it or just keep everyone waiting

LakeshowCougs

10:47am

Edited

VinnyBYU

10:55am

Don't go out on a limb there

Skeptical Optimist

10:48am

I guarantee he will be the next AD for BYU

Frankfromtheballpark

10:56am

Brian and Chad into the Octagon. One man comes out.

Hawk in the 303

11:01am

Maybe. I think Liz would be better for BYU. Chad isn’t the guy.

SpudNut

11:05am

I would be surprised. I don't think Brian has the temperament to be the AD of the University.

kimdaddy35

11:05am

I am not sure Brian would handle the position well.

sidsie716

11:08am

Get yourself a travel router. It’s awesome. Traveling through Europe with the family, and when we get to a new place I

cheezedawg Properly rated

10:37am

Thanks for the tip. We're going to Rome next summer and that might be useful.

realtall

10:40am

Thanks

BYUfan92

10:42am

Do you recommend a certain brand/model?

AustinCougar

10:45am

This is the one I bought but there are several ones that look similar

cheezedawg

11:07am

Nothing improves a vacation like making sure your kids can keep their heads

XORCoug

11:02am

Eh. We’ve had a lot of great family time and I don’t mind them relaxing on their devices when we get back for the night

cheezedawg

11:06am

Ya, good point.

XORCoug

11:08am

Can somebody explain retirement math to me like I'm 5?

mudpupper

10:37am

Rule #1 is a terrible rule that I had never heard before. Ignore that one.

dYrtbYkerYder

10:38am

Ignore rules 1 and 3. The second rule is based on the trinity study and 4% is

Baron

10:38am

Your money will still be making money even when you start drawing some out.

O Gaucho

10:39am

SS should be about 40-45K a year for 100K earner +4% gets you to 80% spending.

Ycrazy

10:39am

Rule #2 is also incorrect. You can make 4% on interest, so it assumes you don't

dYrtbYkerYder

10:40am

it assumes you are making about 8% annually, which is actually a safe bet if

SalmonOfCapistrano

10:42am

to add: the point is you will never run out of money, and will also keep up

SalmonOfCapistrano

10:43am

Wow, I'd LOVE to make 8% annually in retirement but that seems risky.

BleedCougarBlue2

10:49am

If those are your numbers today and you are 65, you can expect to get about $40k

Submariner

10:42am

Rule #1 is dumb. You should anticipate what your retirement expenses will

Buffalo

10:42am

Yes 4%+social security. 3/4% rule assumes life expectancy of 25-30 more years

CougieMcCougFace

10:42am

Also I’ve heard 25X salary at retirement

CougieMcCougFace

10:45am

These rules of thumb are lazy.

jsaskew

10:47am

For retirement math, I suggest working backwards. How much income do you want to

TheNerd

10:50am

Yes, I can (didn’t read body of post). See this quarter? Daddy needs lots of

Nikomedes

10:50am

Don't take retirement money guidance from USA Today.

kccougar

10:52am

You are missing social security that will get you to 70% to 80%

maYbe

10:54am

Just win the lottery, no problems

BYU Grounds

10:55am

First, estimate how much you’ll need to cover your expenses.

Junior Deputy

10:55am

Is it wise to depend on SS at all? Depending on your age I guess.

deejo

10:57am

First rule. You aren't 5. There are so many variables.

BYU71

11:03am

Why is Dalton Riggs in the Portal - isn't he our starting deep snapper?

Johnny Vatos

10:36am

I think we have another DS joinng this year

CougarCanuck76

10:37am

His brother did the same thing last year

Charles Darwin

10:39am

Where did his brother end up?

Zip

10:57am

Rutgers I think

Charles Darwin

10:59am

Top 17 BYU Cougar NFL careers to date while my time is being wasted

oxcoug

10:29am

Detmer belongs. 14 years in the NFL even if he did throw seven picks in one game

oxcoug

10:30am

Bart Oats should be up there

Groym

10:32am

For sure. Missed that one. Top ten easy.

oxcoug

10:32am

Five time Pro Bowl. Higher than just top ten.

BGRTHNUMEGO

10:32am

I am a flawed fan. You are correct. Super Bowls w two teams as well, no?

oxcoug

10:33am

Yes, Giants and 49ers.

BleedCougarBlue2

10:56am

Foyer chat w Bart in Jersey a few years ago he told me how Bronson was too soft

oxcoug

10:38am

Who's Bronson?

BleedCougarBlue2

10:57am

Third round Ravens draft pick, BYU sack leader for a year or two.

oxcoug

10:58am

Thx.

BleedCougarBlue2

11:00am

Bronson Kafusi

BYU Grounds

11:05am

Todd Christensen, Bart Oates

BYU1982

10:33am

Todd Christensen

NOCAL_YFAN

10:33am

RE: Todd Christensen

oxcoug

10:34am

John Tait as well. Longtime OL in the league.

BP4byu

10:33am

AT least 10 yrs, right?

BleedCougarBlue2

10:58am

Chad Lewis

NOCAL_YFAN

10:34am

Here's my list from a week ago. My biggest omission was Lee Johnson.

dYrtbYkerYder

10:35am

Chris Hoke, Rob Morris, Daniel Sorenson

BP4byu

10:38am

It wasn't a complete list, it was my Top 10.

dYrtbYkerYder

10:41am

Sorry meant to add that as a reply to the main post

BP4byu

10:50am

Keisel is missing.

dYrtbYkerYder

10:36am

Ahem. He's #16. I swear that's not an edit.

oxcoug

10:39am

He should be Top 10.

dYrtbYkerYder

10:40am

Jason Buck, John Tait, Golden Richards. Gifford Nielsen and Marc Wilson also had

bob falfa

10:36am

I’d include coaches: Reid, Holmgren, Billick

kirkko

10:38am

Virgil Carter

Les IsMore

10:42am

Gonna say it again....I believe if he hadn't have been injured, Kyle Morrell

BleedCougarBlue2

11:02am

Taysom #4? Come on man. Tyler Allgeier already has more yards from scrimmage than Collie.

kimdaddy35

11:11am

On Pro Football Reference

wjman11

11:16am

Deseret Bookshelf audio books

SV Coug All-American

10:25am

How do you balance retirement savings with saving for a large purchase or a down payment?

TCuz Coastal Elite

10:21am

Just make more money

Ted Lasso

10:22am

How long will you have to save for the downpayment?

OrsoNero

10:24am

A taxable investment account it is. Thanks

TCuz

10:27am

RE: How do you balance retirement savings with saving for a large purchase or a down payment?

Indy Coug

10:25am

I used a money market account

scootsy

10:29am

RE: How do you balance retirement savings with saving for a large purchase or a

Salami Karate

10:30am

Look at a Coast Fi calculator. You may already be well ahead for retirement

STL

10:34am

Ha, I am way too conservative. Should probably be riskier

TCuz

10:45am

The fact you are already maxing out at such a young age puts you ahead of 95% of

STL

11:16am

I've just been doing HYSA, but kind of regret it.

JuicyJam

10:43am

ESPN+
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ABC
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Brian Santiago's stock continues to rise

Ryan Smith’s brother and Dad are also Billionaires. Are they also BYU boosters?

Haven’t been following portal recruiting, is it as bad as Toll is claiming?

2 quick questions for confirmation

Ryder Burton in portal again

Next BYU AD

Interesting tweeter list.

Salesi Moa Chances?

I have wonder why BYU isn’t signing portal players

Roberts et al if Undrafted Free Agent will get $800k, 3 yr deal. Is NIL more?

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