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Please post funny jokes about Todd Heap's child in this thread, thanks.
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May 1, 2017 05:30
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I love NOLA
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May 1, 2017 05:48
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Flikken posted: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. Yeah sometimes the 401(k) offers some kind of click-through wizard or easy option to just define your risk tolerance and then they choose funds for you. These wizards are usually designed to make sure you buy the most expensive funds they offer, as long as they fit that risk profile. Dollars to donuts you're currently throwing 1-3% of your entire amount into fees annually. If you have some kind of login or access to your account, definitely go in and see what you're actually invested in and what other options are available. Also if you're young, you should probably be in higher risk. But that means more in a passively managed stock index fund and less in a passively managed bond fund, vs. what they probably did which is more in a stock/bond mixed actively invested 1.2% ER actively managed fund that is underperforming its index by an average of 5% annually and maybe even includes a load. That would be a bad choice for anyone regardless of risk profile.
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May 1, 2017 06:09
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HOTLANTA MAN posted:Please post funny jokes about Todd Heap's child in this thread, thanks. Being a heap runs in the family.
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May 1, 2017 06:33
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HOTLANTA MAN posted:Please post funny jokes about Todd Heap's child in this thread, thanks. what did Todd heap's daughter say to the teddy bear nothing because she is dead and therefore cannot speak
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May 1, 2017 12:51
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May 1, 2017 13:12
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I am at the doctor's office and they told me to get undressed and put on some medical gown shorts thing. I dunno how undressed is too undressed.
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May 1, 2017 14:52
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No Butt Stuff posted:I am at the doctor's office and they told me to get undressed and put on some medical gown shorts thing. Balls out
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May 1, 2017 14:54
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Your doctor has seen a lot of cock and balls in his / her life and is unfazed by it so don't be shy. Hopefully your digestive system is fine otherwise Butt Stuff might be required.
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May 1, 2017 16:10
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everything is good, no butt stuff was required this time. 9 more years and there will be butt stuff. maybe liquidfriend and i can make a buddy appointment.
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May 1, 2017 16:25
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No Butt Stuff posted:I am at the doctor's office and they told me to get undressed and put on some medical gown shorts thing. All naked, except socks, with the gown on backwards so your junk is all free willy. Slap him/her on the rear end and say, let's do this!
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May 1, 2017 16:43
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Anyone here gently caress with HSAs? Seems like a next possible tax savings target after IRAs and 401ks.
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May 1, 2017 17:03
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I don't but if I had a high deductible health insurance plan I would
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May 1, 2017 17:07
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Anals of History posted:Anyone here gently caress with HSAs? Seems like a next possible tax savings target after IRAs and 401ks. That is precisely what they are. Tends to be best for folks who don't have a significant or chronic medical issue. Keep in mind that once you have the high-deductible plan from your employer, you are not obliged to pick the HSA provider your employer is offering. You can pick any one you want. So you can for example let Vanguard help you find a provider offering cheap access to Vanguard funds, which I would recommend.
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May 1, 2017 17:12
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I contribute 8% and my employer matches that. I just recently got out of years of debt and now I have no idea what i'm doing to invest so my money just piles up in my savings account. This stuff is overwhelming.
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May 1, 2017 17:13
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I put around 6k into an HSA yearly. We use the poo poo out of it though, because there's 6 of us. Max out of pocket is 5k, so we end up leaving a bit extra in there yearly. Not a huge fan, but it is a nice way to make more of your income not taxable.
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May 1, 2017 17:18
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HSAs are a way for rich people to stash away more money without it being taxed. If you need an HSA for actual health purposes you are fuuuuuuucked
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May 1, 2017 17:19
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FizFashizzle posted:HSAs are a way for rich people to stash away more money without it being taxed. ??? Do most plans that come with an HSA not have a max out of pocket?
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May 1, 2017 17:19
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If you and your family have a lot of medical expenses you are probably better off having a full coverage medical plan. Paying your expenses with tax-free money is worse than your insurance company paying those expenses for you. Dubious posted:I contribute 8% and my employer matches that. I just recently got out of years of debt and now I have no idea what i'm doing to invest so my money just piles up in my savings account. This stuff is overwhelming. Check out that thread I linked. Most people find that a few hours of reading up on stuff gets them to a basic place where they can feel comfortable and make some decent choices. Sitting in cash means you lose a little of your money every year to inflation. It's better than not saving at all (by a lot) but the basics of long-term investing are not actually all that difficult to understand. If you can learn the basics of the rules of american football to the point where you know the difference between a tackle and a guard, and can identify an option play vs. a designed run, you are smart enough to learn how to invest for retirement.
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May 1, 2017 17:24
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It's international chest day. Who else is hitting the house of gains?
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May 1, 2017 17:30
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No Butt Stuff posted:??? The out of pocket max I've seen on plans here in TX for high deductible plans with HSA's is upwards of 12k for family, 6-9k for individual. The HSA falls laughably short of covering said costs. PPO with low deductibles and out of pocket costs for life. Neil Armbong fucked around with this message at 17:38 on May 1, 2017 |
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May 1, 2017 17:30
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HSA by definition encourage people to avoid the kind of preventative medicine that would lower healthcare costs over the long term. They reward people basically for not using them, or not needing them. If you're wealthy and you can just weather an emergency than so what. But the vast majority of American have less than five hundred dollars in their bank account. https://www.google.com/amp/s/amp.cnn.com/money/2017/01/12/pf/americans-lack-of-savings/index.html Without the ACA, not only would they not be able to contribute poo poo into a HSA, they'd still be eating it with a high deductible catastrophe plan which again doesn't encourage long term cost deduction. They are a tool for rich people masquerading as a solution to a problem they make worse. Basically full expansion of Medicare is the only viable option and those that disagree will be first against the wall. FizFashizzle fucked around with this message at 17:33 on May 1, 2017 |
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May 1, 2017 17:31
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Mel Mudkiper posted:It's international chest day. Who else is hitting the house of gains? Still recovering from elbow scope and just scheduled the other one. I'm gonna have a bird chest this summer 
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May 1, 2017 17:34
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I have no idea how to do chest gains except for bench and then some flies.
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May 1, 2017 17:34
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No Butt Stuff posted:I have no idea how to do chest gains except for bench and then some flies. I think that's really all there is actually. I will be going to gym today, but not doing chest poo poo because it's DEADLIFT DAY BITCH
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May 1, 2017 17:36
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close your eyes and imagine your pec flexing, the titty bouncing. Now open your eyes, you've built the mind-muscle connection
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May 1, 2017 17:37
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FizFashizzle posted:HSA by definition encourage people to avoid the kind of preventative medicine that would lower healthcare costs over the long term. They reward people basically for not using them, or not needing them. That's why they're listed as something to do after you've maxxed out your IRA and 401(k) options; if you're making enough money that you're already maxxing those out, you might be making enough that an HSA can make sense for you. But as a tool for the rich... I mean, yes, but it's minor. The contribution limits are $3,400 for an individual or $6,750 for a family, annually. Let me tell you about the real tool for the rich: self-employment. If you have a 401(k), the maximum contribution you can make from your salary is $18,000 per year. But your employer can add to that, and the amount the employer can add has a much higher limit. If you're self-employed, then you are your own employer. Hey guess what! https://www.irs.gov/retirement-plans/one-participant-401k-plans quote:Contribution limits in a one-participant 401(k) plan So rich people can be self-employed, catergorize all their "work" doing things like trading stocks and buying and selling real estate as business, and potentially sock up to $54,000 a year into tax-advantaged savings. Meanwhile most working-class Americans have no access to a 401(k) and are only able to at best max out an IRA, so no more than $5,500 per person per year. Seems fair, right? Leperflesh fucked around with this message at 17:41 on May 1, 2017 |
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May 1, 2017 17:37
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Tragic lack of Robert Frank fans itt https://youtu.be/0YtSaRl4fkU
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May 1, 2017 17:38
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Leperflesh posted:That's why they're listed as something to do after you've maxxed out your IRA and 401(k) options; if you're making enough money that you're already maxxing those out, you might be making enough that an HSA can make sense for you. Yeah but HSA have never been promoted by republicans as what they really are. They were part of the whole nonsensical heritage foundation idea of creating more "consumer responsibility," so that if you incentivize people they'll need less healthcare and invest their money better. HW was a huge fan of them;, and John McCain ran on them. Like why not get rid of HSAs and just increase the max contributions to IRAs? You can already withdrawal from your IRA without a penalty if it's for health costs. And who is maxing out an HSA that isn't maxing out a Roth IRA first? Also 401k's are loving trash designed to keep people from unionizing and not demand pensions.
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May 1, 2017 17:45
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Mel Mudkiper posted:It's international chest day. Who else is hitting the house of gains? I hit chest hard this morning, nothing like the feeling of two giant slabs of meat on your chest after a good session. I think chest and shoulders may be my two favorite muscle groups to work. 
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May 1, 2017 17:47
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Leg Master Race
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May 1, 2017 17:51
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weird Asian candy posted:I hit chest hard this morning, nothing like the feeling of two giant slabs of meat on your chest after a good session. I think chest and shoulders may be my two favorite muscle groups to work. Legs brah. Quad and hamstring and calf and domination. the mean lunch lady posted:Leg Master Race The league of squats arises
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May 1, 2017 17:51
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Bench is an accessory lift
FizFashizzle fucked around with this message at 17:53 on May 1, 2017 |
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May 1, 2017 17:51
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Mel Mudkiper posted:Legs brah. Quad and hamstring and calf and domination. Legs and I have a love/hate relationship. I hate leg day but I love the feeling after when you are trying to brush your teeth and your legs are all wobbly (I workout before work). QUADZILLA! I legit love working chest and shoulders.
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May 1, 2017 17:52
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the mean lunch lady posted:Leg Master Race Cardio and leg day is a terrible idea
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May 1, 2017 17:55
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FizFashizzle posted:Yeah but HSA have never been promoted by republicans as what they really are. I agree that HSAs didn't need to exist, and we should have single-payer healthcare anyway. I disagree about the 401(k)s being trash and definitely not related to unions. My brother and stepdad are both in a union that offers a 401(k) in addition to the pension plan. The 401(k) has largely replaced pensions in the US because pension plans create liability on the books for employers, while 401(k)s don't. But that's irrespective of unionization. The much bigger issue with 401(k)s is the lack of regulation that permits extremely abusive plans. Tons of people have lovely plans with lovely options that are basically designed to extract the earnings on people's retirement savings and give them to investment banks. I'm lucky to work for a large software company full of nerds so I have a very good plan, but the investment thread is full of people coming in and posting their awful plan options. It's still better than not having a plan at all, almost always, because tax advantaged savings is a powerful tool. But... yeah. Not fantastic. Defined benefit or defined contribution pensions both have their own sets of issues. Social Security remains the best fallback safety net this country has ever come up with for ensuring retirees don't wind up homeless and eating cat food, but if we want to do better for old people's security, I'd say we should A) improve and better fund SS, B) properly regulate the companies offering 401(k) and related plans, C) increase the annual contribution limits on IRAs, and D) cap social security payouts and access to tax-advantaged plans based on income, so that rich people are gradually phased out of eligibility (this is already the case for IRAs although it's done in a confusing way, but everyone gets to claim social security and that's stupid, and honestly the very wealthy do not need their 401(k)s to be tax advantaged either).
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May 1, 2017 17:54
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Triangle rear end gym bros skipping leg day. Shameful
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May 1, 2017 17:55
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ZenVulgarity posted:Cardio and leg day is a terrible idea That's why you do heavy bag cardio on leg day GOSH
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May 1, 2017 17:56
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FizFashizzle posted:Bench is an accessory lift so you are okay with mccaffery
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May 1, 2017 17:56
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ZenVulgarity posted:Cardio and leg day is a terrible idea Cardio sucks rear end to do, but is necessary Or do fun cardio, like playing basketball
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May 1, 2017 18:00
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