Mike Harrington

@SHistorians I love majors with scoring like this. Haven't watched a ton but just put it on and will watch some tomorrow afternoon too.

I have spent the entire day arguing with people that the PGA Championship is a great major. Imagine the mindset of someone who is complaining about the PGA while watching this amazing major which is 100% delivering!!! There are a lot of broken people out there that are caught in an historical echo chamber. My quote for the day - it doesn’t have to be the best major- who in the right mind argues about who is the worst President on My Rushmore??? The PGA has delivered great champions over and over on great venues and some I am not fond of… it is also set to be hosted by the likes of Southern Hills, Oak Hill, Olympic Club, Kiawah, Baltusrol, Congressional and Bethpage. Stop complaining and just watch history unfold!!! @PGAChampionship @PGA

@SparkingFIRENC For fun! Visiting a friend and his family and playing a few rounds of golf.

@LifetimeIP Oh cool!! For work or fun? Hope it is a great trip!

We just booked our first trip to Europe Life is so good!

@michaelreynolds Group disability has a max 2 year benefit period for certain disabilities; substance abuse, mental health conditions. Combined these make up a substantial portion of claims.

Is disability insurance through your employer enough? Pros: ✅ Easier to apply for. ✅ May be cheaper (or free) Cons: ❌ Lower/capped coverage amounts. ❌ Benefit is usually taxable. ❌ Coverage is restricted to base pay. ❌ Not portable.

This is the biggest misconception people have about disability. Major illnesses and disease are much more common causes of disability than accidents are. My sister was permanently disabled at age 53 due to early onset dementia. I have a client in a nursing home who suffered with Parkinsons for 15 years. A surgeon who cannot operate due a stroke. A lawyer who suffered a massive heart attack in his 40's who now has the intellectual capability of a 4 year old. Here is a table from the federal government. You can see how many people file annually and the causes. ssa.gov/policy/docs/st…

@JonLuskin Use a real life example of somebody whose rest of life would have been completely different without it. Has to be relatable like disability due to accident where it was other person’s fault.

More advisors need to talk about disability insurance. It's so important. Unfortunately, it's also boring. Tax planning gets a lot of attention because everyone hates taxes. Of course, everyone loves talking about investing - because that's where the money is. Retirement is something many want, also a hot topic. I wish there was something alluring about disability insurance - so we could talk about it more.

If the policy is employer paid, there is an always an offset with social security disability benefits. Every group policy works this way. It's one of the reason employer paid disability is not sufficient for many people. Not all employers can offer it pre tax, depends on industry and number of employees. But yes, employee paid is preferable if it is an option. I have had several clients file group disability claims. Every single one was processed without an issue but I also use one company, primarily for this reason. If you qualify for SSDI, it is doubtful you would be kicked off the group disability plan. It can depend on the specific disability, group disability has a max 2 year benefit period for certain disabilities, another reason why people should not rely on company provided disability only. All disability plans end at some point, they don't pay forever, it covers your working years. I know it can be hard, my sister was permanently disabled at 53 and we had to provide a note from her doctor every year. Nevermind the actual physical and mental challenges that came with it.

@JonLuskin And its at their leisure. I am 54, when they think I can go back to work they pull the benefit, and then the lawyers come. So, I have 13 years living in fear. It's their own criteria, even though I qualily for SSDI that's separate. So eventually they will kick me off.

@trentjhughes Miss your quota = you are fired Make quota = congrats, your territory just got cut in half and your quota increased 30%. I have seen this dozens of times to several senior sales professionals

Guy I know has been in sales for 6 years Makes $450k a year Never went to business school Just really good at 4 things: Relating to anyone in any room Telling a great story Creating energy and hype Following up Sales careers are criminally underrated...

@BayAreaREMatt You could retire undefeated.

Golf league just started up again this evening and already 1-0 on the season 😎

I really hope people in this situation get motivated to get their estate plan in place. I first became legal guardian for an elderly relative and then the executor for his estate. I had to fly back and forth to Florida several times. The first thing I did when I got back from my first trip was to get all my planning done. What a relief.

Being involved in settling someone's estate, whether you're handling it or inheriting, gives you a real education in what works and what doesn’t. Most people walk away knowing exactly what they want (…or don't want) for their own estate plan.

@TinyToothDDS I think you were. There were accounts I was following and a while back I realized I was not seeing their posts. I did not unfollow them but I was not following them anymore!

@LifetimeIP Also realized I wasn't following you. My error is corrected now!

The financial advisor my office uses puts all my employees in some form of an S&P 500 fund. As one of the doctors, I’m afforded the “privilege” of having the advisor personally manage my 401K. Over 70 individual stock holdings. All in the S&P 500. And I have to pay the associated fee for that “service.” What about you? How’s your 401K looking?

I have been called for jury duty numerous times. I sat on 3 juries. 1 federal and 2 state. Nobody really wants to do it. But consider this. If you believe that you are a good person and can be unbiased and listen to both the defense and prosecution, wouldn't you want the same type of person being a juror if you ever were on trial?

Jury duty is crazy. You can have someone struggling to afford food and rent sitting next to someone who has a yacht and country club membership, and they need to put their heads together to decide if a random stranger goes to prison or not.

@BarbellFi What about that great home gym of yours?

The 30 year treasury yield is now 5.1% Convincing my wife to sell our house We’d net $800k after closing Dump all that into 30 year bonds Collect $40k/year for 30 years Use that money to pay rent Never deal with the lawn or a leaky roof And get my $800k back in 30 years 😳

@SparkingFIRENC 100% agree with this. It was the biggest mistake earier in my career.

As you leave college you are told: “Just get a job to get in the door, it doesn’t have to be forever” Two years later you are told: “You’ve only been there 2 years, it would look bad if you left” Five years later you are told: “You picked your career and location, suck it up and deal with your choices” Always be looking out for what is best for you and your family Sure, sometimes you just have to take the job to get yourself started, but it truly doesn’t have to be forever and you can always pivot in any area of life

@lucyshow11 Whitney Houston

Throwback Thursday to some of the most beautiful female singers of the 80s! Who’s your favorite? 🔥

And they are way smaller than they used to be. I bought 2 donuts there 2 weeks ago. A jelly donut that had no jelly and a Boston creme that most of the chocolate came off because the server just threw it in the bag upside down without the sheet of wax paper. Never again will I go there.

A dozen donuts at Dunkin' costs $15 now?! This world has completely lost its mind.

@GolfTravelerJoe @PGAChampionship @kiawahresort PGA National. That's it.

Joe Wants to Know, have you ever played a course that they have used for the @PGAChampionship ? If so what course was it, if you played more than one which was your favorite to date? For me it would be either @kiawahresort or Wannamoisett

@jennyrozelle Unfortunately this happens. Properly more than people realize. Lots of small private plans carrying family members.

As estate planning lawyers, part of our job is thinking through the situations most people hope never happen. One that often catches families off guard: a tragedy involving multiple family members at the same time. Your estate plan should address that.

@MandyLSimard Yes. In NH both times. A black bear mom with her cub. Another time, I saw 2 cubs hugging a tree and didn't see the mom. We were about to turn back down the trail anyway. We moved very slowly and left but still never saw the mom.

Have you ever seen a Bear while you were out in nature?

@Wolfmongolia @LIVGolfNation He barely made it to a Ryder Cup and needed a police escort.

@LIVGolfNation Don’t think Rory would disrespect the game like that.

Not saying I disagree with the decision to penalize Garrick Higgo, BUT… We all know if Rory McIlroy was “late” to his tee time by a few seconds, the PGA of America wouldn’t have penalized him. And if they did, the golf media would be apoplectic over the move, not defending it.