1 hour ago, bitbased said:

People complain that there's no company loyalty anymore but this is why. There's literally no reason to stick around anymore unless they give you a reason to and keep up with market rates for your position.

That loyalty is earned, this is why we take care of our employees, for us, we are a people company, fairly small at less than  60 employees. But we just completed our employee satisfaction survey, and overall satisfaction score was 4.4 out of 5.  WIth 74% participation

While current nationwide employee engangement rates stand at about 38%.  If you treat your employees as a number, they will treat you as nothing more than a wage. 

2 hours ago, LeanMeanGM said:

I’d take literally anything 

Hope he gets traded to the Vikings and plays way far behind Jefferson

2 hours ago, LeanMeanGM said:

I’d take literally anything 

Not sure the Calgary stampeders have anything to give us 

10 minutes ago, bitbased said:

To add to the rickety-ness, in the US you're literally one accident away from everything crumbling beneath you. We have virtually no safety nets.

Yes - and even when there is a safety net they are often problematic.  I mean it takes about 30 months to get approved for Social Security Disability absent a clear listing. (like Stage 4 cancer or renal failure.)  

Now that we figured out systematic racism, the Social Security crisis doesn't stand a chance

8 minutes ago, e-a-g-l-e-s eagles! said:

Not sure the Calgary stampeders have anything to give us 

poutine and Labatt's Blue?

33 minutes ago, bitbased said:

To add to the rickety-ness, in the US you're literally one accident away from everything crumbling beneath you. We have virtually no safety nets.

 Not even necessarily that, both of my kids were born with severe hearing loss, $5 grand a pair was a killer on top of 80/20 insurance so the hospital bill which we figured at $3 grand for having a kid was covered, but not the extra $5 grand for hearing aids. That was in 1999, my 2nd was born in 2001, I was in a trade Union by then and thankfully because of an emergency C-Section, my insurance covered everything, but of course hearing aids.  We were told it would be a 5% chance of a 2nd child having hearing issues, but I’ve usually proven the statistics, on the wrong side of them.  
 I’m the guy who shows up to work at oil refineries that were in business for 90-100 years and they close 4-6 years after I start work, then again I’m the guy who drafted Trent Green in fantasy only to have his ACL tear 25 minutes later. Kurt Warner you say, lol, dude was bagging groceries how good can he be? 
 
Needless to say $10 grand every 2.5-3yrs was killer on our finances, I believe Medicare doesn’t cover hearing aids either as older folks are finding out.  

Miles Sanders is entering a pivotal fourth season in his NFL career, and he's certainly not taking it lightly, Nick Shook of NFL.com reports.

The former second-round pick out of Penn State knows 2022 could significantly alter the trajectory of his career, which began on a promising note but has encountered plenty of frustration in the last two seasons. Should Sanders produce at a level of which he's proven capable, he'll give the Eagles a difficult decision to make on retaining him beyond his rookie contract. But he'll need a legitimate workload -- something he hasn't seen in the last two seasons -- to prove his value to general manager Howie Roseman.

 

"I've still got a lot to prove," Sanders said, via Pro Football Network. "A lot of people don't respect all the work I've done, and I've still got a lot to prove. I'm taking it real personal this year. Just find a way to get noticed and command the respect, I'm not taking no for an answer this year. Just stay healthy, just be available, that's my main goal this year."

Sanders was the embodiment of Eagles fans' frustrations with Philadelphia's offense early in its first season under Nick Sirianni. The Eagles had become a unit that seemingly refused to run the football, even with a playmaker like Sanders available in their backfield.

1 hour ago, BigEFly said:

So few are offered real pensions nowadays.  Basically a retirement account with the option of lump sum or an annuity.  Pensions are a rather new item in retirement historically and didn’t last long.  The average Joe didn’t have pension as an opportunity until the 1950s and 1960s. By the 1980s, companies were seeing legislation that allowed changes from pensions and twenty years later towards retirement accounts. This resulted in pensions diminishing but was offset with 401ks. Now, with the latest version of the Secure Act, employers can automatically enroll employees in 401ks. The employees can then opt out, at their own peril because retirement plans continue to shrink.  

Now pensions are in desperate straights in the US and western world.  The US pension guarantee fund has no money.  Public pensions are hugely underfunded.  (In my community, which has adequately funded our employees’ pensions and our police department pensions, we live in fear of the PA legislature moving to tie together all public pensions, like they have with teachers’ pensions. Philly’s police pension is seriously underfunded and it will be difficult for the City to ever fix without legislative help. Harrisburg is under water.  Pittsburgh and Erie aren’t in much better shape. Heck, the state is underfunded.). The Feds tried to fix the Post Office, went too far, and now may have gone too far the other way.  None of us pay attention to this and the elected officials do nothing about it.

Social Security was only meant to supplement retirement. For too many it is relied on entirely or for over 50% of income.  That isn’t sustainable and the fund is set to be underfunded to the tune of 71% of benefits in 2034. 

Medicare is limited to negotiation for drug costs.  Medicare doesn’t pay for long term care facilities. That is Medicaid after savings are depleted.

That chair is rickety. 

Retirement plans are shrinking in part due to the current inflation rate and market decline. It is somewhat cyclical, and will fluctuate, but the 4 years prior to BIden my rate of return even in just my 401k's was close to 20%. I saw the shift coming and even warned people on here, and back in January 2021, I moved money around to protect myself from the inevitable. There was no way the policies that were being inacted, the spending proposed (by just printing money) was not going to cause inflation, hurt the market, and ultimately the US consumer pays for it.  

In My view some of the problem in the US though, for so many,  they dont start saving/planning for retirement early enough. They live paycheck to paycheck, and some of that is their own fault. Do you really need the latest Iphone, or those expensive sneakers? Do you really need to eat out "x" times a week? Could you spend less by packing your lunch,Cooking meals, keeping your phone for 5 years? Do you need to have every streaming service? Or in todays world, do you really get value sending money to some ho on only fans? 

  Cutting back allows you to bank some money into an investment where you can live really well later on. Some people live like there is no tomorrow. Then tomorrow comes and they are not prepared. 

That being said, My advice to everyone, start saving/investing for your retirement ASAP. The younger you are the better.  You have to prepare to take care of yourself, because no one else will. And yes you will need to be able to withstand medicare payments, and extremely high inflation.   Invest and dont move it when the market takes a dive, it's too late, let it rebound, you will be fine.  Ohh and while people have made millions in crypto and NFT's, I look at these as short term only investments, the market will almost surely collapse on these eventually, as there is only a percieved value, nothing tangible to build it upon.  Real Estate, Gold, SIlver, Oil will fluctuate, but there is something tangible, physical that you own a piece of. Of course you want some diversity, but I would steer clear of building a fortune on Crypto, get in, make your money and get out. Short term only. The real money was made early on in those. 

 

 

 

11 minutes ago, LeanMeanGM said:

Now that we figured out systematic racism, the Social Security crisis doesn't stand a chance

I can't wait to see it play out.  

4 minutes ago, Ipiggles said:

Retirement plans are shrinking in part due to the current inflation rate and market decline. It is somewhat cyclical, and will fluctuate, but the 4 years prior to BIden my rate of return even in just my 401k's was close to 20%. I saw the shift, and back in January 2021, I moved money around to protect myself from the inevitable, there was no way the policies that were being inacted, the spending proposed (by just printing money) was not going to cause inflation, hurt the market, and ultimately the US consumer pays for it.  

In My view some of the problem in the US though, for so many,  they dont start saving/planning for retirement early enough. They live paycheck to paycheck, and some of that is their own fault. Do you really need the latest Iphone, or those expensive sneakers? Do you really need to eat out "x" times a week? Could you spend less by packing your lunch,Cooking meals, keeping your phone for 5 years? Do you need to have every streaming service? Or in todays world, do you really get value sending money to some ho on only fans? 

  Cutting back allows you to bank some money into an investment where you can live really well later on. Some people live like there is no tomorrow. Then tomorrow comes and they are not prepared. 

That being said, My advice to everyone, start saving/investing for your retirement ASAP. The younger you are the better.  You have to prepare to take care of yourself, because no one else will. And yes you will need to be able to withstand medicare payments, and extremely high inflation.   Invest and dont move it when the market takes a dive, it's too late, let it rebound, you will be fine.  Ohh and while people have made millions in crypto and NFT's, I look at these as short term only investments, the market will almost surely collapse on these eventually, as there is only a percieved value, nothing tangible to build it upon.  Real Estate, Gold, SIlver, Oil will fluctuate, but there is something tangible, physical that you own a piece of. Of course you want some diversity, but I would steer clear of building a fortune on Crypto, get in, make your money and get out. Short term only. The real money was made early on in those.

As someone who is about to graduate law school and enter the job market. My hope is it save enough money for a down-payment on a house within the first 2ish years. Considering the rate of price increases for houses in Canada, I don't think I'll be able to afford it in a few years. The plan is to save save save as much as possible.

What does everyone think about Alontae Taylor the CB from Tennessee?  Seems like he fits exactly what we want in a corner and ideal for Zone.  Did very well at the combine and had a pick at Senior Bowl

30 minutes ago, D-Shiznit said:

As someone who is about to graduate Law School and enter the job market. My hope is it save enough money for a down-payment on a house within the first 2ish years. Considering the rate of price increases for houses in Canada, I don't think I'll be able to afford it in a few years. The plan is to save save save as much as possible.

I feel for you. The wife and I were there. When we were saving for the required down payment etc, we had the goal we needed, knowing what the market was, and as you near your goal, the market jumps and ....now you are farther away. The reality is, the housing market is also cyclical and will flatten out eventually. Hang in there and good luck, it will happen. 

15 minutes ago, NCiggles said:

Yes - and even when there is a safety net they are often problematic.  I mean it takes about 30 months to get approved for Social Security Disability absent a clear listing. (like Stage 4 cancer or renal failure.)  

Agreed. You also get no support if you're in the process of getting approved for social security disability so I'm not sure how people that are single manage to even exist during that time period. I'm going through this whole saga with my wife currently. She was in a car accident three years ago (April, 2019) and we're still in the midst of insurance settlements for an accident that she wasn't at fault for. She's too young (28 now) for them to ever consider her for social security disability on top all of her issues are neurological which you can't really "prove" like cancer or dismemberment. So we're coming up on starting year 4 of no income from her side and I'm just continually getting hammered by medical costs every year on top of losing her income and potentially 30+ years of 401k accrual. Luckily I make a good income but it's not really enough to get ahead with everything else going on.

9 minutes ago, pangbun said:

Miles Sanders is entering a pivotal fourth season in his NFL career, and he's certainly not taking it lightly, Nick Shook of NFL.com reports.

Have a great year Miles, then sign a big contract with another team. 

7 minutes ago, Ipiggles said:

Retirement plans are shrinking in part due to the current inflation rate and market decline. It is somewhat cyclical, and will fluctuate, but the 4 years prior to BIden my rate of return even in just my 401k's was close to 20%. I saw the shift coming and even warned people on here, and back in January 2021, I moved money around to protect myself from the inevitable. There was no way the policies that were being inacted, the spending proposed (by just printing money) was not going to cause inflation, hurt the market, and ultimately the US consumer pays for it.  

In My view some of the problem in the US though, for so many,  they dont start saving/planning for retirement early enough. They live paycheck to paycheck, and some of that is their own fault. Do you really need the latest Iphone, or those expensive sneakers? Do you really need to eat out "x" times a week? Could you spend less by packing your lunch,Cooking meals, keeping your phone for 5 years? Do you need to have every streaming service? Or in todays world, do you really get value sending money to some ho on only fans? 

  Cutting back allows you to bank some money into an investment where you can live really well later on. Some people live like there is no tomorrow. Then tomorrow comes and they are not prepared. 

That being said, My advice to everyone, start saving/investing for your retirement ASAP. The younger you are the better.  You have to prepare to take care of yourself, because no one else will. And yes you will need to be able to withstand medicare payments, and extremely high inflation.   Invest and dont move it when the market takes a dive, it's too late, let it rebound, you will be fine.  Ohh and while people have made millions in crypto and NFT's, I look at these as short term only investments, the market will almost surely collapse on these eventually, as there is only a percieved value, nothing tangible to build it upon.  Real Estate, Gold, SIlver, Oil will fluctuate, but there is something tangible, physical that you own a piece of. Of course you want some diversity, but I would steer clear of building a fortune on Crypto, get in, make your money and get out. Short term only. The real money was made early on in those. 

 

 

 

To be fair, they make it really tough to figure out how much to save and in what product to be ready for retirement. It should be as simple as "enter every current bill into our calculator and we will figure it out". Then people can see what they shouldn't plan on having Hulu Extra Deluxe when they retire.

14 minutes ago, The Blackfish said:

 Not even necessarily that, both of my kids were born with severe hearing loss, $5 grand a pair was a killer on top of 80/20 insurance so the hospital bill which we figured at $3 grand for having a kid was covered, but not the extra $5 grand for hearing aids. That was in 1999, my 2nd was born in 2001, I was in a trade Union by then and thankfully because of an emergency C-Section, my insurance covered everything, but of course hearing aids.  We were told it would be a 5% chance of a 2nd child having hearing issues, but I’ve usually proven the statistics, on the wrong side of them.  
 I’m the guy who shows up to work at oil refineries that were in business for 90-100 years and they close 4-6 years after I start work, then again I’m the guy who drafted Trent Green in fantasy only to have his ACL tear 25 minutes later. Kurt Warner you say, lol, dude was bagging groceries how good can he be? 
 
Needless to say $10 grand every 2.5-3yrs was killer on our finances, I believe Medicare doesn’t cover hearing aids either as older folks are finding out.  

I've seen our friend's insurance deny coverage for procedures to aid in congenital issues for their kid. The healthcare system is complete garbage honestly and I feel for anyone caught up on the bad end of it.

48 minutes ago, NCiggles said:

Yes - and even when there is a safety net they are often problematic.  I mean it takes about 30 months to get approved for Social Security Disability absent a clear listing. (like Stage 4 cancer or renal failure.)  

Agreed-  Medical issues can completely derail your financial plans. 

I have a 34 year old nephew who has a rare spinal/brain stem issue, that slowly robs him of his motorskills. He is wheel chair bound,  and yet ineligible for  permanent disability (not sure why?)

2 minutes ago, dawkdaballhawk said:

To be fair, they make it really tough to figure out how much to save and in what product to be ready for retirement. It should be as simple as "enter every current bill into our calculator and we will figure it out". Then people can see what they shouldn't plan on having Hulu Extra Deluxe when they retire.

True it is not easy. And they do not teach this stuff in High School (where they should since only about 30% of US gets a degree) and to some degree even college is lacking, depending on your curiculum. 

3 minutes ago, bitbased said:

I've seen our friend's insurance deny coverage for procedures to aid in congenital issues. The healthcare system is complete garbage honestly and I feel for anyone caught up on the bad end of it.

in a lot of cases you really need someone on the inside who is willing to fight for you, to get through the red tape. 

Reagor is gonna go to a team with a good QB and catch like 30 balls for 500 yards running only posts and crossers. 

15 minutes ago, pangbun said:

Miles Sanders is entering a pivotal fourth season in his NFL career, and he's certainly not taking it lightly, Nick Shook of NFL.com reports.

The former second-round pick out of Penn State knows 2022 could significantly alter the trajectory of his career, which began on a promising note but has encountered plenty of frustration in the last two seasons. Should Sanders produce at a level of which he's proven capable, he'll give the Eagles a difficult decision to make on retaining him beyond his rookie contract. But he'll need a legitimate workload -- something he hasn't seen in the last two seasons -- to prove his value to general manager Howie Roseman.

 

"I've still got a lot to prove," Sanders said, via Pro Football Network. "A lot of people don't respect all the work I've done, and I've still got a lot to prove. I'm taking it real personal this year. Just find a way to get noticed and command the respect, I'm not taking no for an answer this year. Just stay healthy, just be available, that's my main goal this year."

Sanders was the embodiment of Eagles fans' frustrations with Philadelphia's offense early in its first season under Nick Sirianni. The Eagles had become a unit that seemingly refused to run the football, even with a playmaker like Sanders available in their backfield.

I hope Miles’ goal is a bit more than "just stay healthy, just be available ".  How about, seeing the hole and taking what’s given, actually blocking in pass pro, catching anything anywhere near his handles, protecting the rock.  Hope those are big parts of his goals in a contract year, and, oh yes, availability would be a nice addition, not a "main goal.”

11 minutes ago, garingovt2000 said:

What does everyone think about Alontae Taylor the CB from Tennessee?  Seems like he fits exactly what we want in a corner and ideal for Zone.  Did very well at the combine and had a pick at Senior Bowl

Yes. He and Josh Thompson from Texas. 2 super physical zone CBs. If a zone CB is what we are looking for, Im ok with waiting to draft one of those guys. 

 

2 minutes ago, Ipiggles said:

Agreed-  Medical issues can completely derail your financial plans. 

I have a 34 year old nephew who has a rare spinal/brain stem issue, that slowly robs him of his motorskills. He is wheel chair bound,  and yet ineligible for being permanent disability (not sure why?)

There are 2 types of Federal disability benefits, Title 1 and Title 2 under the Social Security Act.  Title 2 has an insured component to be eligible for benefits.  So to be eligible for Title 2 your nephew would have had to paid social security taxes in 20 out of the last 40 quarters generally (worked and paid into the system 5 out of 10 years in the last 10 years).  If your nephew was never able to work, he may be eligible for Title 1 or SSI benefits.  Those have an asset threshold of $2,000 which isn't very much. Even then the monthly benefit is $841.