Mike Harrington

Two of the baddest dudes to ever walk this earth. RIP Chuck Norris. 🙏🏽🕊️ @walterpayton | #Bears

@SparkingFIRENC That must have been 1 big meatloaf!

So far this week we have spent $120 that we weren’t expecting -$30 because our cat ate our leftover meatloaf so we had to go out for lunch 😅 -$35 bill -$55 in stuff we were asked to pick up for a party Anyone who knows me knows that unexpected expenses like this make me physically tense up Sure, we make plenty to be able to afford it, but my scarcity mindset comes out anytime an unexpected expense comes up I’m doing my best to remember to live in the moment and not let things get to me Slowly and surely I am in fact getting better at spending money “unintentionally” when needed

@chibbs_1 @GTMBB @MarchMadnessMBB That was a great Georgia Tech team.

I played in 1990 Final Four it was my coming out Party I did my thing!!! @GTMBB @MarchMadnessMBB

@AHallVirtus I like this strategy. I have created something similar for myself and still have several years of work left. My LTC already in force too.

A 66 year old federal employee we recently came across... She has lived her whole life on $5,500 a month after taxes. Accrued a little debt ($5k) here and there...but nothing crazy. Single. No kids. Just wants to keep living her life. Doesn't know how to acess her money...Has all $700k in her TSP. Let's simplify what people will make complex in their head: After tax and medical was taken into account: Pension - $2,800 Social Security - $1,800 Stuffed $200k into an annuity that guaruntees $1,800/M. This brings her to $6,400 a month she can never outlive. $900/M then she's ever made. LTC policy through the governemnt $400K left to manage in the market...mostly just for fun. Tax planning layered on, so in a few years, none of her income will even be taxable. The Income gave her the confidence to live her life. All mathematics aside, that's the most important factor. It doesn't have to be wildly complicated, sometimes it just needs to be put in place.

@TheTaxNomad There is nothing like working with people who are proactive and don't wait until the last minute to send documents.

Met another Navy pilot this week, this one flying the F-35. I work with about a dozen Navy pilots, and they’re consistently some of the easiest clients I have. They understand deadlines and execute. Most of my work is with business owners, but I like working with people who just get things done, no excuses.

Yes, it is. There would be an exclusion for melanoma and perhaps other skin conditions. You may have to wait a period as well but that would be up to the company/underwriter as each may consider it differently. Similar with life insurance, just had a woman approved with a history of melanoma. A Guaranteed Issue disability insurance program would have no exclusions but you need at least 5 employees participating.

@LifetimeIP If someone has already had cancer, is it still possible to get disability insurance? What are normal exclusions? (I had melanoma last year, for example)

Yesterday, a self employed physician client of mine called me because her business is expanding and wanted to discuss benefits she could add. She had breast cancer last year. Thankfully she bought disability insurance many years before I even met her. She is the sole breadwinner for her family and she hit her out of pocket max on her HSA health plan for 2 consecutive years which was just over 30k combined. Her monthly premium was about 2200 per month last year and it is now about 2800 per month. Over a 2 year period she has paid about 90k in premiums and out of pocket costs. Those costs don't disappear just because she is a physician. Now imagine if she could not work for 5 years. All of the things she wants for her family and her financial planning would be destroyed. One thing she could have done better is obtaining a critical illness policy. Some may think this is overkill for a physician but as shown above, that is 90k in health insurance/healthcare costs that could have at least been somewhat mitigated with the payout from a critical illness policy. Disability Insurance is not just for doctors. If you are a C level executive you should take note as to how this could affect you. Because your company provided disability insurance is very likely insufficient.

@oldskoolbballx Did you notice nobody came after Parish? There are 2 reasons. First, everyone hated Laimbeer, not just the Celtics. Second, Parish was a bad ass and would have destroyed them. Mostly the first reason though.

Robert Parish ruthlessly KOs Bill Laimbeer, and he doesn’t even get ejected by the refs

I know a couple that has benefitted greatly from their financial advisor. The couple are also my clients. They now make about 400k combined. The couple has openly stated there is no way they could have achieved what they have without their financial advisor. Their financial advisor has helped them with - retirement savings plans 25 years ago, including investment allocations - home purchase and multiple refi - college planning for their 2 kids - recommending more life insurance (through me) - disability insurance purchase (many years ago - not through me) - pension maximization - social security optimization - giving free guidance for their daughter as she starts her career - finding an EA for their taxes

Advisors just do index funds, there’s no reason to hire one The most average advisors, sure Great advisors literally help on every part of your financial life Here’s my most recent signed client: - owns 3 businesses - makes 2.5mil a year - has 2mil in cash on the sidelines - has no tax planning strategy - has large underpayment penalties yearly - no estate plan - same basic insurances since they were a young low income earner - planning to buy land and build but no idea what they can afford, how much to put down, etc - plans to sell main business in 3 years But sure… they just need help from us on index funds We will probably talk investments for 5 minutes of the first year and 40+ hours of planning on everything else

@wbridgefa You have to admit, they are very creative.

I think this is a fantastic idea and will raise much needed revenue and make housing more affordable.

@WendyDFW78 @redheadranting Ray Liotta did not have cancer.

Ray Liotta had cancer. I don’t know how Fred Ward died. Didn’t Meat Loaf died of Covid? I don’t remember how Irene Cara and William Hurt died. I’m not sure what you’re implying. Are you implying that there’s some conspiracy behind their deaths? I didn’t hear much about them at that time other than they died.

Remember how in 2022 when celebrities like Meat Loaf, Irene Cara, Ray Liotta, William Hurt, Fred Ward and other famous people started dropping like flies but we weren't allowed to question how they died? Can we talk about it now?

@acaseofthegolf1 April 2000. I made everything from a 1 - 9 except a 2. I made a 1 on the 17th and finished strong with a 9 on the 18th.

Is this guy going to qualify for the America’s Tour at their Q-school? No. Did he pull off something that prob hasn’t happened more than a handful of times in pro golf history? Yes. He made a at least one 3-4-5-6-7-and an 8 in a 9 hole stretch. Impressive.

@acaseofthegolf1 Hold on. Let me check some scorecards.

What they’re doing is telling you, the voters, that your vote didn’t count. #mapoli

@wbridgefa My nephew may be the only male that went to college and lost weight. He is a junior. Hopefully he makes it back from spring break in Mexico.

My son grew four inches in 365 days. Didn’t gain a pound. We let him keep 2 flavors of ice cream on hand to eat however he likes. He usually pics terrible stuff and also chocolate so it works great.

I remember watching that and it took forever to get sorted out. He made some amazing putts that day. I also remember another PGA Tour player saying how amazing the run Jordan had, lots of wins, but he wondered what would happen when he stopped making all those 15 - 20 footers. I think we have an idea now.

Still can't believe Jordan Spieth hit his second shot from here..... (And still won The Open!)

@preston_holland Are you a pilot as well?

Flew one of my favorite people from this app yesterday. A beautiful Citation Longitude took him to a meeting and back home before dinner time. The power of private aviation!

@preston_holland @nikitabier I will get a DM sometimes but no notification until several hours later.

Hey @nikitabier can we fix the message requests? They’re really easy to miss now. The old UX was way better. Sincerely- those of us who actually want DM’s from randoms.

Screaming Empty Leg 😱 FRG (Long Island) to FLL (Fort Lauderdale) $8,000 all-in Today at 3pm 2024 Citation CJ4 Gen 2 (2 Pilots) (we just launched a feature on @fastjets where operators can text us ASAP legs and coming in at awesome prices)

Most disabilities happen from age 45 onward and are not caused by accidents. For those who may be cruising along in their career and retirement accumulation phase, a disability can upend your planning really quickly.