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Well, I tried.
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# ? Jul 7, 2017 00:12 |
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# ? May 15, 2024 08:22 |
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KingSlime posted:I know a nurse who constantly shares the THEY DON"T WANT YOU TO KNOW ABOUT THE CURE FOR CANCER meme I know a doctor that swears by acupuncture and chiropracty for all sorts of things. He's also concerned that people will find his Facebook account where he posts all sorts of very political poo poo, so he removed all the vowels from his name on Facebook because that will protect him.
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# ? Jul 7, 2017 00:29 |
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ranbo das posted:he removed all the vowels from his name on Facebook because that will protect him. There was an experiment where we did vowel-independent searches on names until someone pointed out that it would catch people like this who didn't want to be found.
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# ? Jul 7, 2017 00:36 |
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These security clearance summaries should be narrated by Robert Stack with terrible 2nd rate actors pantomiming what's going on.
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# ? Jul 7, 2017 00:49 |
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Krispy Kareem posted:These security clearance summaries should be narrated by Robert Stack with terrible 2nd rate actors pantomiming what's going on. Just a long sequence of people in black and white opening wallets where two flies fly out in slow motion
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# ? Jul 7, 2017 00:55 |
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quote:Applicant is a thirty-six year old male employed by a defense contractor, and he is seeking to retain a SECRET security clearance initially granted to him in June 1985. quote:I had ample opportunity to evaluate the demeanor of Applicant, observe his manner and deportment, appraise the way in which he responded to questions, assess his candor or evasiveness, read his statements, listen to his testimony, and watch the interplay between himself and those around him. Upon consideration of all of these contributing elements, I have come away with the feeling that Applicant is committed to the avoidance, at any cost, of paying off this deficit balance. He has managed to smoothly handle his other financial affairs, as well as to undertake responsibility for those of his fiancee. In a way, nothing has changed, for Applicant is still actively spending his money on everything but his mortgage.
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# ? Jul 7, 2017 01:00 |
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A Facebook acquaintance of mine announced he is retiring at the age of 38 after following the book Your Money or Your Life , and is telling everything to get the book, you can totally retire early too!. Now I assume this isn't some magic bullet to easy retirement They Don't Want You To Know, but does anyone know anything else about this book so I don't have to buy it to read it?
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# ? Jul 7, 2017 01:04 |
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Looks like they used the bankruptcy code the way it was intended.
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# ? Jul 7, 2017 01:06 |
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Poldarn posted:A Facebook acquaintance of mine announced he is retiring at the age of 38 after following the book Your Money or Your Life , and is telling everything to get the book, you can totally retire early too!. Now I assume this isn't some magic bullet to easy retirement They Don't Want You To Know, but does anyone know anything else about this book so I don't have to buy it to read it? Good question for the Long-Term Investing and Retirement Savings thread and/or the Financial Independence thread.
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# ? Jul 7, 2017 01:07 |
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Poldarn posted:A Facebook acquaintance of mine announced he is retiring at the age of 38 after following the book Your Money or Your Life , and is telling everything to get the book, you can totally retire early too!. Now I assume this isn't some magic bullet to easy retirement They Don't Want You To Know, but does anyone know anything else about this book so I don't have to buy it to read it? Standard early retirement fare - get good-paying work young, save every penny possible, and you have a solid shot of being able to live off the savings by ~40. Some of the information is a bit dated at this point.
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# ? Jul 7, 2017 01:30 |
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AreWeDrunkYet posted:Standard early retirement fare - get good-paying work young, save every penny possible, and you have a solid shot of being able to live off the savings by ~40. Some of the information is a bit dated at this point. I think it's worth noting that they basically invented the FI/RE genre. The investment advice they gave is the most outdated part but I read they've somewhat updated it in more recent editions. I actually like the book and the idea of calculating your actual hourly salary (i.e. subtract money spent supporting your career, count long commute times as "working hours", etc) and then seeing how many "hours" the things you buy actually cost you. I do think the voluntary poverty lifestyle they espouse is pretty extreme and not worth it, and it might push some people to go into BWL territory trying to achieve it, like eating out of dumpsters .
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# ? Jul 7, 2017 01:46 |
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Poldarn posted:A Facebook acquaintance of mine announced he is retiring at the age of 38 after following the book Your Money or Your Life , and is telling everything to get the book, you can totally retire early too!. Now I assume this isn't some magic bullet to easy retirement They Don't Want You To Know, but does anyone know anything else about this book so I don't have to buy it to read it? It's a classic book but the investment advice is horribly dated - one of the authors retired with only government bonds which were paying hefty yields in the late 70s so he ended up timing things right. On the other hand he also lived the last years of his life couch surfing even with a fairly successful book. There is a whole "science" to retiring early but you really have to do the math and a lot of people are winging it. 38 means he probably doesn't have a lot of social security coming to him and will need 30 years of expenses until he can start collecting.
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# ? Jul 7, 2017 03:18 |
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monster on a stick posted:There is a whole "science" to retiring early but you really have to do the math and a lot of people are winging it. Eh, not really. Desired income divided by something between 4 and 5% depending on how aggressive you want to be puts most people in the general ballpark.
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# ? Jul 7, 2017 03:38 |
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This is probably going into derail territory but I found this tool to be a good one for estimating if your savings will support your retirement (early or otherwise): http://www.firecalc.com
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# ? Jul 7, 2017 04:03 |
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This is a great discussion to have and all the posts have been helpful, but Cold on a Cob is right that it's best suited for another thread. Here are some suggestions:pig slut lisa posted:Good question for the Long-Term Investing and Retirement Savings thread and/or the Financial Independence thread. Poldarn I'm glad you're thinking about this stuff
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# ? Jul 7, 2017 04:11 |
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I have this conversation with some friends (and posters in this forum) occasionally...usually after they find a book like this or they just read Rich Dad or whatever for the first time. If "early retirement" means "I want to gently caress off and play video games, or raise ferrets or <x> thing for the rest of my life" I roll my eyes. If what they really mean is achieving financial independence so you are not beholden to a W2 job at a company that really doesn't give a gently caress about you despite monthly "we're all a TEAM" emails from HR to the contrary, that is a noble enough goal, but think it through. Doesn't mean you wouldn't work for said company, just that you wouldn't spiral out in to homelessness if bad times come your way. Usually it is the former. Which is usually a fantasy to distract from the day to day, is all.
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# ? Jul 7, 2017 04:17 |
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firecalc is mc method i always wondered if there's a great parametric dealio for this poo poo poo poo online I've seen is a lotta linear regressions and somehow-less-sophisticated-things
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# ? Jul 7, 2017 04:21 |
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pig slut lisa posted:This is a great discussion to have and all the posts have been helpful, but Cold on a Cob is right that it's best suited for another thread. Here are some suggestions: Thank for the info guys, I didn't know it was actually viable!
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# ? Jul 7, 2017 05:09 |
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Ixian posted:I have this conversation with some friends (and posters in this forum) occasionally...usually after they find a book like this or they just read Rich Dad or whatever for the first time. If "early retirement" means "I want to gently caress off and play video games, or raise ferrets or <x> thing for the rest of my life" I roll my eyes. If what they really mean is achieving financial independence so you are not beholden to a W2 job at a company that really doesn't give a gently caress about you despite monthly "we're all a TEAM" emails from HR to the contrary, that is a noble enough goal, but think it through. Doesn't mean you wouldn't work for said company, just that you wouldn't spiral out in to homelessness if bad times come your way. This puts my thoughts on the matter into a more articulate form. I don't think I could handle actively not accumulating more. Like, the thought of selling stock and travelling feels like I would lose too much career earnings ramp up to make me feel comfortable doing that, with a similar feeling towards ceasing to accumulate just as it becomes self-sustaining. Also this is the BWM thread so I have to talk about a family friend who has their lake home torn up for the summer when they could have started the remodel after the 4th and gotten all the construction workers for cheap when it is winter and no one has any projects going.
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# ? Jul 7, 2017 05:12 |
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curufinor posted:firecalc is mc method what
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# ? Jul 7, 2017 06:21 |
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monte carlo method. it's like human centipede, for your data. and less poo poo. but nonparametrics req lots of data and the prediction is worse sometimes, if you have a coherent theory of the phenomenon that you can stuff into a parametric statistical model e: ok, bootstrap is deffo more "human centipede for your data", but you get what i'm talking about if you have background in this poo poo i guess
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# ? Jul 7, 2017 06:25 |
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Subjunctive posted:There was an experiment where we did vowel-independent searches on names until someone pointed out that it would catch people like this who didn't want to be found. i thought trying to evade the real name policy was a bannable offense?
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# ? Jul 7, 2017 06:56 |
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curufinor posted:monte carlo method. it's like human centipede, for your data. I have no idea what this means and I actually know what monte carlo is
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# ? Jul 7, 2017 07:32 |
The Human Centipede is a horror movie where a crazy doctor sews three people together, mouth to rear end, for some reason.
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# ? Jul 7, 2017 07:40 |
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hailthefish posted:The Human Centipede is a horror movie where a crazy doctor sews three people together, mouth to rear end, for some reason. Yes I also have seen the human centipede, I just have no idea how that relates to the monte carlo method, which estimates values using random sampling
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# ? Jul 7, 2017 07:44 |
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curufinor posted:monte carlo method. it's like human centipede, for your data. and less poo poo. but nonparametrics req lots of data and the prediction is worse sometimes, if you have a coherent theory of the phenomenon that you can stuff into a parametric statistical model I meant "what" as in "were you drunk or high when you typed this"
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# ? Jul 7, 2017 11:09 |
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Bad With Money: it's like human centipede, for your data. and less poo poo.
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# ? Jul 7, 2017 11:35 |
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# ? Jul 7, 2017 13:30 |
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BEHOLD: MY CAPE posted:Bad With Money: it's like human centipede, for your data. and less poo poo. Bad With Money: I went gambling at the Monte Carlo Casino and all I got was this lousy human centipede
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# ? Jul 7, 2017 13:40 |
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Edit: nm
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# ? Jul 7, 2017 13:50 |
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I'm a big fan of the Monte Carlo method. It gives you a bunch of graphs. Anyone that likes the market likes a bunch of graphs!
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# ? Jul 7, 2017 13:55 |
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This guy wasn't extravagently in debt or anything, but his self-admitted laziness about filing tax returns has cost him his job: http://ogc.osd.mil/doha/industrial/2017/14-06105.a1.pdf quote:56 years old, Applicant works for a Defense contractor, having previously served in the military from 1983 until 1992. He is divorced with three children. Applicant failed to file his Federal income tax returns from 2006 through 2013. He disclosed these failures in his 2008 and 2014 security clearance applications (SCA) and discussed them in his interviews. Applicant attributed his delinquent filings to laziness and because “I do have a problem filing tax returns[.]” Decision at 2, quoting Tr. at 35. He did not worry about this matter, because he was entitled to refunds. Applicant hired a tax professional to prepare his returns, and he filed them in 2016. He did so after the SOR placed him on notice that his clearance was in jeopardy. The IRS filed Applicant’s returns for 2006 through 2008. He overpaid his taxes for all years in question, except 2010, when he owed a little over $300. Applicant stated that he would file his returns in the future.
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# ? Jul 7, 2017 14:10 |
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Enfys posted:This guy wasn't extravagently in debt or anything, but his self-admitted laziness about filing tax returns has cost him his job: A guy whose entire adult life has been funded directly by taxes not doing his taxes, great. This is making me much more angry than I expected.
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# ? Jul 7, 2017 15:13 |
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ate all the Oreos posted:A guy whose entire adult life has been funded directly by taxes not doing his taxes, great. This is making me much more angry than I expected. Except he PAID all his taxes. Maybe he really hates tax paperwork.
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# ? Jul 7, 2017 15:21 |
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ate all the Oreos posted:A guy whose entire adult life has been funded directly by taxes not doing his taxes, great. This is making me much more angry than I expected. It sounds like he overpaid anyway, so really the only harm was to his own dumb rear end.
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# ? Jul 7, 2017 15:25 |
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He actually loaned money to the federal government at zero interest. If that isn't dedicated patriotism I don't know what is.
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# ? Jul 7, 2017 15:32 |
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Yeah, I can't get too mad at this guy. The only reason we have to do the tax paperwork ourselves is because certain lobbyists block any sort of initiative to join the rest of the world, so that Americans get more upset about taxes than they normally would and H&R block et al keep their business model. It's not like you could blackmail this guy anyway, since he completely owns up to it.
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# ? Jul 7, 2017 15:37 |
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http://ogc.osd.mil/doha/industrial/11-00110.h1.pdf Get something to drink, this is going to be a long one. quote:Findings of Fact
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# ? Jul 7, 2017 18:42 |
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monster on a stick posted:http://ogc.osd.mil/doha/industrial/11-00110.h1.pdf BWOPM: Bad With Other People's money.
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# ? Jul 7, 2017 18:51 |
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# ? May 15, 2024 08:22 |
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Don't wanna pay this 70 cent fee per deposit, better hold thousands of the money in my own personal accounts. It's my fi-douche-iary duty
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# ? Jul 7, 2017 19:59 |