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find somebody who looks at you the way Shoah nuff looks at a man's calf muscle
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Apr 30, 2017 11:38
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I am going to die miserable and alone and I've accepted that.
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Apr 30, 2017 11:52
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a neat cape posted:I like being single
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Apr 30, 2017 13:52
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SHOAH NUFF posted:Woke up at 5 am to smoke 2 pork butts, my 2nd time using the smoker baby! Can't see the picture, but I'm happy for you. The last time I did two butts I ended up freezing 5 quart bags full of pulled pork, which is an awesome way to enjoy some easy bbq on a weeknight.
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Apr 30, 2017 14:06
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Find your best friend that you wanna doink.
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Apr 30, 2017 16:03
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GonadTheBallbarian posted:Find your best friend that you wanna doink. Just make sure you don't find your wife first.
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Apr 30, 2017 16:11
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Men. We gonna build a garden this summer. 
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Apr 30, 2017 16:44
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Unless you are growing artisinal burritos gently caress off
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Apr 30, 2017 16:53
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Remember when the Falcons were up 28-3 and lost the SB. Woof.
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Apr 30, 2017 17:06
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A Man and his dog posted:Remember when the Falcons were up 28-3 and lost the SB. remember when you didn't post the burrito
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Apr 30, 2017 17:07
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This thread has been visited by the muscle ghost. Post stay strong muscle ghost and gains will be yours for a week
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Apr 30, 2017 17:09
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Stay strong muscle ghost Vince Also: weird Asian candy posted:Unless you are growing artisinal burritos gently caress off GonadTheBallbarian fucked around with this message at 17:28 on Apr 30, 2017 |
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Apr 30, 2017 17:24
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Yikes, sorry for the double post.
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Apr 30, 2017 17:27
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My girlfriend's rad and is smarter than me and that's also rad
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Apr 30, 2017 17:49
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Hot Diggity! posted:My girlfriend's rad and is smarter than me and that's also rad same
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Apr 30, 2017 21:41
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filling out gradschool applications is the loving worst "why yes I am a privileged white person why do you ask"
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Apr 30, 2017 21:42
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FizFashizzle posted:filling out gradschool applications is the loving worst I mean you could still be stuck in India.
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Apr 30, 2017 21:57
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Hot Diggity! posted:My girlfriend's rad and is smarter than me and that's also rad Same but wife. Thanks for getting a useful CS degree and supporting my stupid useless BA English-having rear end, wife!
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Apr 30, 2017 22:05
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Quiet Feet posted:Same but wife. Master's in philosophy for her, but no debt and pending book deals while I sit at a desk and get rich people richer Bonus: Canadian citizenship
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Apr 30, 2017 22:46
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Vincent Van Goatse posted:I am going to die miserable and alone and I've accepted that. 
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Apr 30, 2017 22:47
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FizFashizzle posted:filling out gradschool applications is the loving worst Don't go to that
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Apr 30, 2017 22:52
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Did adult things today, like sign up for a 401k, it's nice not living paycheck to paycheck anymore.
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Apr 30, 2017 22:56
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Flikken posted:Did adult things today, like sign up for a 401k, it's nice not living paycheck to paycheck anymore. I've been meaning to do that, but I never know if I'm going to stay at a job long enough to get vested.
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Apr 30, 2017 22:59
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Volkerball posted:I've been meaning to do that, but I never know if I'm going to stay at a job long enough to get vested. I've been here 8 years, with over a year in management, it was time to do it.
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Apr 30, 2017 22:59
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Roth IRAs my dudes
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Apr 30, 2017 23:00
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Hot Diggity! posted:Roth IRAs my dudes I think I'd rather just die in a paramotor crash and stop having to worry about it
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Apr 30, 2017 23:04
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No Irish Need Imply posted:What about all these people I haven't dated?! This is why open relationships are a thing.
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Apr 30, 2017 23:51
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186 posted:This is why open relationships are a thing. There's a lot of potential to gently caress up a relationship tho. Just stare at women on the subway and jerk off into your trench coat instead.
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May 1, 2017 00:01
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186 posted:This is why open relationships are a thing. https://www.youtube.com/watch?v=Po4adxJxqZk
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May 1, 2017 00:09
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Volkerball posted:I've been meaning to do that, but I never know if I'm going to stay at a job long enough to get vested. Even if your full employee match doesn't beat any money that you set aside from your paychecks is yours to keep. Plus it lowers your AGI.
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May 1, 2017 00:52
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My company does full matching up to 6% and starting in 2018 they're doing full match up to 6% + 4%. So 6% paid gets 16% in your 401k. Under 30 goons this is what excites you in the future just fyi
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May 1, 2017 00:56
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A lot of 401(k) plans have no "vesting" or only vesting on the matching. A 401(k) is a way to get money into a tax advantaged status regardless. This is what the long-term investing and retirement thread will advise every American to do, in order, to the limits you can afford: 1. max any matching funds available for your 401(k). No amount of horrible fees will eat up the free money for any reasonable matching scheme (usually like 50% matching of up to 3-6% of your salary that you put in). 2. max out an IRA (Roth or traditional, depending on which way you want to deal with the taxes - Roth you put after tax money in but take all your earnings out in retirement tax free, Traditional you put in tax-free money but pay income tax at your marginal rate when you take money out when you retire, so which to do depends on your relative tax rates now vs. retirement) 3. max out the rest of the space in your 401(k). Possibly skip this if your 401(k) has really really awful options, but normally the tax advantage outweighs even fairly high fees. 4. If it works OK for you (you have no major medical problems right now), you can use an HSA to get money into tax advantaged status by going with a high-deductible health plan If you do all of the above and still have more money to save, congratulations you're rich and are going to retire very nicely, maybe go spend some money on vacations or whatever.
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May 1, 2017 01:00
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I got half matching up to 4%, so I chose 4% in a medium risk format. With an annual increase of 1%, since I normally get a 2.5% raise. Im supposed to be vested after 3 years, im not sure how that works because if it is total gime with the company then i am vested, but if it is from this point forward well I will be in 3 years I guess. Did I do ok? Flikken fucked around with this message at 01:09 on May 1, 2017 |
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May 1, 2017 01:07
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Flikken posted:I got half matching up to 4%, so I chose 4% in a medium risk format. With an annual increase of 1%, since I normally get a 2.5% raise. Im supposed to be vested after 3 years, im not sure how that works because if it is total gime with the company then i am vested, but if it is from this point forward well I will be in 3 years I guess. Well you should read your plan info. "medium risk format" is extremely vague, though. Depending on your age you should probably have your money in whatever the lowest-cost index mutual funds you have available (cost being ER or Expense Ratio, plus any additional fees tacked on by your plan manager). The biggest mistake people make is not putting money into their retirement and getting the free matching, but the second biggest mistake people make is dumping money into high-fee managed funds where the fees eat up any possible outperformance the fund manager makes, and on average the large majority of actively managed funds underperform their respective indexes (e.g. they are basically scams). The general rule of thumb is that you should be saving 15% of your annual income for your entire working life in order to assure a similar standard of living when you retire. That varies a lot depending on a lot of factors but it's a decent starting place. So you are right now saving about 6% of your annual salary... which might be reasonable if you're paying off debts or stand to inherit money or just can't afford to save any more right now. e. If you'd like some goon analysis of your plan options, feel free to post in the long-term savings and retirement thread and folks will give you detailed advice.
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May 1, 2017 01:13
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I'm paying off debt, poor life choices till your early 30s sucks to recover from. also they offered several formats (using mass mutual) I opted for medium risk that puts like 30% in the stock market and the rest mixed between cash and bonds.
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May 1, 2017 01:32
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Spoeank posted:My company does full matching up to 6% and starting in 2018 they're doing full match up to 6% + 4%. So 6% paid gets 16% in your 401k. This is what my company had and it owns bones.
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May 1, 2017 01:49
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I'm poor
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May 1, 2017 03:01
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The french quarter in nola is loving incredible. The streets are abject garbage but I've had bomb rear end oysters and ridiculously good drinks tonight
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May 1, 2017 03:25
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My new job auto contributes 6% to my 401k regardless of your contribution. Best part is I'm vested from the start so if a better opportunity comes along I don't have to say goodbye to everything they put into my savings.
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May 1, 2017 03:28
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Spoeank posted:The french quarter in nola is loving incredible. The streets are abject garbage but I've had bomb rear end oysters and ridiculously good drinks tonight NOLA is the best drinking city i've ever been to and the food isn't far behind either. Though honorable mention goes to Nashville because holy poo poo that town has amazing booze.
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May 1, 2017 04:21
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