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SweetSassyMolassy posted:Municipal pensions aren't necessarily bad. Many states have the option to allow municipalities to utilize the state's pension plan, given that they meet the same obligations the state does in order to keep the pension going the way it has to go. If you're a municipality in a state that has a well tended pension fund, then utilizing a deal like that can be really GWM. However, the opposite is true if you're a muni in a state with a poorly tended pension fund. Here's a handy graphic of how well off pension funds were in the different states https://taxfoundation.org/state-pensions-funding-2017/. I wouldn't be betting too hard on an Illinois or Kentucky pension, but would bet money on an Oregon or South Dakota pension. Pretty sure it is all state controlled since the 70s and "drop dead."
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Jan 26, 2018 14:48
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Call me the suspicious and conspiratorial type but I trust nobody with my retirement security except me. If they don't find some way to steal or excuse themselves of responsibility to pay the money I have earned before I retire, great that's just an added bonus. I would opt out of Social Security in a heartbeat if given the opportunity, even if it was a good deal from an actuarial/investment return perspective (it is not, for me).
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Jan 26, 2018 16:22
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SweetSassyMolassy posted:Municipal pensions aren't necessarily bad. Many states have the option to allow municipalities to utilize the state's pension plan, given that they meet the same obligations the state does in order to keep the pension going the way it has to go. If you're a municipality in a state that has a well tended pension fund, then utilizing a deal like that can be really GWM. However, the opposite is true if you're a muni in a state with a poorly tended pension fund. Here's a handy graphic of how well off pension funds were in the different states https://taxfoundation.org/state-pensions-funding-2017/. I wouldn't be betting too hard on an Illinois or Kentucky pension, but would bet money on an Oregon or South Dakota pension. I would not bet on an Oregon pension if you are not already in the tier 1 or tier 2 group. Anyone younger is not going to get as good of a deal and every year the state has large budget shortfalls. The legislature has tried repeatedly to take away benefits from people who are already retired and keeps getting slapped down by the courts. The schools had the largest ever increase in funding this last year but still had to implement across the board cuts so they can meet thier pension obligations. The legislature still doesn't have the courage to try to reform it in a way that won't land them in court again.
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Jan 26, 2018 16:26
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Yeah there was a lot of speculation this year that the NY constitutional convention on the ballot would be used to raid the pension fund if it passed. It didn't even come close so now I just need to dodge the next one in 20 years! BWM content: most of my coworkers save nothing for retirement because they assume their pension will be more than enough.
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Jan 26, 2018 18:40
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God I fucking love Diablo 3 gold, it even paid for this shitty title
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SiGmA_X posted:My company just froze the pension for all eligible employees - and they stopped offering it to new employees around 15yrs ago. Shortly after we went public, it can't be linked. Upside is with the freeze, they raised the match from 6% to 9%, so as a 401k-only employee, I am happy about it. I love the parenthetical revealing that he is unsure if he added two numbers correctly or not.
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Jan 26, 2018 19:36
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Krispy Wafer posted:making lots of stupid mistakes like Ford Mustangs Reported.
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Jan 26, 2018 21:15
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BEHOLD: MY CAPE posted:Call me the suspicious and conspiratorial type but I trust nobody with my retirement security except me. If they don't find some way to steal or excuse themselves of responsibility to pay the money I have earned before I retire, great that's just an added bonus. I would opt out of Social Security in a heartbeat if given the opportunity, even if it was a good deal from an actuarial/investment return perspective (it is not, for me). When I worked in banking an alarming amount of people would tell me that the Canadian Pension Plan (Canada's national pension plan) is their retirement plan. Which is supplemental income at best and eating cat food for dinner at worst. As in, it is their only retirement plan. Expecting the government not to squander your forced savings over 50 years is putting a lot of faith in the system.
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Jan 26, 2018 22:27
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EAT FASTER!!!!!! posted:OOo god drat that's the good stuff. Raldikuk posted:I love the parenthetical revealing that she is unsure if she added two numbers correctly or not. I find it hard to imagine working and NEVER looking at a pay stub... It must be because I'm a poor (or an accountant, either way) vs. a doctor. Aren't pay summaries usually located at the same place you setup direct deposit? My various companies sites have always had them on the same pages/sub-sites... therobit posted:I would not bet on an Oregon pension if you are not already in the tier 1 or tier 2 group. Anyone younger is not going to get as good of a deal and every year the state has large budget shortfalls. The legislature has tried repeatedly to take away benefits from people who are already retired and keeps getting slapped down by the courts. The schools had the largest ever increase in funding this last year but still had to implement across the board cuts so they can meet thier pension obligations. The legislature still doesn't have the courage to try to reform it in a way that won't land them in court again. quote:http://www.oregonlive.com/business/index.ssf/2017/03/johnny_delashaw_prolific_surge.html
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Jan 27, 2018 02:36
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totalnewbie posted:What a coincidence, this article just popped up: https://twocents.lifehacker.com/how-to-invest-in-legal-weed-1822368702 Now you've got me wondering if one of the weed ETFs (I have no delusions of being qualified to identify individual stocks worth having) might be a worthy addition to my portfolio.
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Jan 27, 2018 02:38
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SiGmA_X posted:I find it hard to imagine working and NEVER looking at a pay stub... It must be because I'm a poor (or an accountant, either way) vs. a doctor. Aren't pay summaries usually located at the same place you setup direct deposit? My various companies sites have always had them on the same pages/sub-sites... I rarely check my pay stubs because fuuuuuck logging into adp, that stupid piece of poo poo software.
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Jan 27, 2018 02:46
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SiGmA_X posted:This doc was awesome IMO, I saw him for a spine injury and my cousin worked in the operating room with him for a few years, but it sounds like things may have not always been on the up-and-up. I don't quite grasp your anecdote. Do you think the other surgery might have beat 98%? Would you have wanted the surgery if it could do 100%? In your case, he didn't get more money from your case, right? Or was the PT going to pay him, too? Is your case an indictment of his "on the up-and-up" status? I couldn't figure that out.
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Jan 27, 2018 02:53
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melon cat posted:I feel the same way. Pension funds go bust. It's a thing. Is it really squandering though or is it more of a case of small contributions, small returns?
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Jan 27, 2018 04:47
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SiGmA_X posted:I find it hard to imagine working and NEVER looking at a pay stub... It must be because I'm a poor (or an accountant, either way) vs. a doctor. Aren't pay summaries usually located at the same place you setup direct deposit? My various companies sites have always had them on the same pages/sub-sites... TBH I never really check my pay stub either, I just make sure I got my money in the bank every Friday. I'm not making over 150k a year tho, and I know where to go to get the stubs online if i did need them
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Jan 27, 2018 05:07
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FrozenVent posted:I rarely check my pay stubs because fuuuuuck logging into adp, that stupid piece of poo poo software. At least you have software.
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Jan 27, 2018 05:18
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SiGmA_X posted:She is doing something wrong with maths or pretax deductions. She says the 39k is ALL taxes (2,4,6,17), so the missing 10k must not be the FICA I (and someone @ Reddit) plugged, but rather a pretax withholding. That's definitely a more charitable (and likely correct) read of what they meant for sure. I am still amused to think that they really meant that they're not sure if they added two numbers correctly together rather than if they were accounting for everything. As far as pay stubs my company has an HR portal to view paychecks and it is pretty easy to do. The same portal is where we access our timesheet as well. I always look over my paycheck with a fine tooth comb to make sure everything is on the up and up. I've been burned more than a few times by lazy payroll people or glitchy benefit deduction systems so I've just made it part of my routine. I also keep a file cabinet and I print the drat things off too.
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Jan 27, 2018 05:40
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A Bossbabe hits rock bottom and has a spark of fire in her wants
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Jan 27, 2018 06:08
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if you have adp the mobile app is actually good for stubs
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Jan 27, 2018 06:16
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Youth Decay posted:A Bossbabe hits rock bottom and has a spark of fire in her wants *another generic makeup/skincare MLM, I assume
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Jan 27, 2018 06:19
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kimbo305 posted:I don't quite grasp your anecdote. Do you think the other surgery might have beat 98%? Would you have wanted the surgery if it could do 100%? He got dramatically less money - whatever the office appointments were worth from insurance, maybe $300/ea, vs many tens of thousands. PT was a referral to a non-associated clinic. Maybe he gave me "special treatment" and decided to not perform a reasonably profitable surgery on me because I was related to one of his operating room nurses? Or OHSU had different standards for him to follow? From the stories of his ~2012+ quality of care, I'm glad I didn't have a case that interested him. The real story here is lol Oregon PERS is hosed. ~20bn+ unfunded liability woohoo!! http://www.statesmanjournal.com/story/news/politics/2017/11/01/oregon-pers-unfunded-liability-task-force-final-report/823159001/
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Jan 27, 2018 08:09
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Youth Decay posted:A Bossbabe hits rock bottom and has a spark of fire in her wants TBH this seems like a pretty good scheme to show someone how much money they aren't making
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Jan 27, 2018 11:35
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Do men fall for this poo poo? It seems like every couple of weeks my wife tells me that one of her coworkers is having some party for *insert crap here* and I always tell her to cancel since it's high pressure sales and to just blame me or something. I just don't really see how it could work on men, with the exception of some of the weight loss stuff.
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Jan 27, 2018 12:46
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TLG James posted:Do men fall for this poo poo? It seems like every couple of weeks my wife tells me that one of her coworkers is having some party for *insert crap here* and I always tell her to cancel since it's high pressure sales and to just blame me or something. We mostly just use peer pressure for making each other drink more.
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Jan 27, 2018 12:50
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TLG James posted:Do men fall for this poo poo? It seems like every couple of weeks my wife tells me that one of her coworkers is having some party for *insert crap here* and I always tell her to cancel since it's high pressure sales and to just blame me or something. This is entirely anecdotal so bear with me on that front, but I distinctly remember being part of some recruiting thing for a knife selling thing like lularoe which had a number of male supporters I did not buy the knives, which could cut a penny and a belt very well but not once did he show the thing cutting vegetables or fruits or literally anything you'd find in kitchen
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Jan 27, 2018 13:05
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TLG James posted:Do men fall for this poo poo? It seems like every couple of weeks my wife tells me that one of her coworkers is having some party for *insert crap here* and I always tell her to cancel since it's high pressure sales and to just blame me or something. Yeah brah it's called bitcoin (There was that one lovely "Man Cave" MLM that was around for a hot second, but I think I only know about it from an old episode of Bullshit! about MLMs.)
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Jan 27, 2018 14:18
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Male oriented MLMs I've experienced (from the "friend trying to recruit me" side) typically involve selling some kind of knife or financial product. Anecdotal, and I'd be interested in hearing about other MLMs that are specifically targeted to men. Do things like those rainbow vacuums qualify? I'd say bitcoin and it's knock offs qualify. But that's not much different than a stock pump-and dump. Lol when you realize that all of western financial products are an MLM. At least I went to law school, and for only a 200k investment I could earn up to...Oh poo poo
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Jan 27, 2018 14:56
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There are definitely male-focused MLM schemes. Ones targeted toward women often focus on independence and the ability to work from home on your own time (in addition to sometimes just pitching products like cosmetics or women's clothing). I think that a bunch of male-focused MLMs are nuitrition and supplement focused, and then you get ones that are focused on being a 'salesman' like Cutco.
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Jan 27, 2018 15:27
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aren't the cutco knives the only non-poo poo mlm product? i mean, victorinox fibroxes are 1/3 the price and a little better quality, but the knives themselves that cutco peeps shill are just... not bad
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Jan 27, 2018 16:02
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One of my coworkers admitted recently to spending $10,000 a month for the last 6 months, not knowing how her and her husband could have spent $10k a month for this time, and also admitted that their rent is $2,500 for a house in a nice area (it's possible to pay anywhere from $1,200 to $1,800 to rent a perfectly acceptable apartment) and that they paid $3,500 a month total for puppy training for not one, but two puppies. Where indeed.
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Jan 27, 2018 16:03
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TLG James posted:Do men fall for this poo poo? It seems like every couple of weeks my wife tells me that one of her coworkers is having some party for *insert crap here* and I always tell her to cancel since it's high pressure sales and to just blame me or something. -Cutco -BeachBody -Trump Network (which suckered in my dad for a bit) -Primerica -Amway Any MLM that involves conferences in a Holiday Inn that sells “financial independence” and “look at my yacht” and “the secret to financial success”
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Jan 27, 2018 16:38
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Hot Dog Day #91 posted:Male oriented MLMs I've experienced (from the "friend trying to recruit me" side) typically involve selling some kind of knife or financial product. Anecdotal, and I'd be interested in hearing about other MLMs that are specifically targeted to men. Do things like those rainbow vacuums qualify? I'd say bitcoin and it's knock offs qualify. But that's not much different than a stock pump-and dump. Bwahaha this is so correct
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Jan 27, 2018 16:56
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MLM scams usually focus on women because women are often underpaid or underemployed. Men don't have that same problem so we get timeshares and day trade. I think ladies are also more diplomatic at these MLM parties. So they'll visit to be polite and maybe buy one Tupperware container or dildo. I'm trying to imagine the reaction to one my friends inviting the gang over for a Man-Cave party and it's not pretty.
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Jan 27, 2018 16:58
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Krispy Wafer posted:I'm trying to imagine the reaction to one my friends inviting the gang over for a Man-Cave party and it's not pretty. Maybe I'm a big ol' dickhead, but MLM involvement is on my shortlist of things that trigger an immediate, comprehensive friendship reevaluation.
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Jan 27, 2018 17:08
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MenLM will be incarnated in the form of DIY beer brewing. You read it here first, kids!
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Jan 27, 2018 17:49
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I was 2 or 3 years out of college when I got a call from a friend I hadn't spoken to in as long, letting me know he was in my area and wanted to get lunch (and sell me financial planning services) so I guess that's an analog of MLM poo poo?
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Jan 27, 2018 17:49
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Papa John Misty posted:I was 2 or 3 years out of college when I got a call from a friend I hadn't spoken to in as long, letting me know he was in my area and wanted to get lunch (and sell me financial planning services) so I guess that's an analog of MLM poo poo? No analog about it, it's an mlm.
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Jan 27, 2018 17:57
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i quit facebook so in order to not be a recluse i set a cronjob to remind me to contact random peeps every so often i'm surprised that peeps haven't recoilled, expecting me to sell them some mlm poo poo i considered making the cronjob public and realized it'll prolly be 90% used by mlm peeps
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Jan 27, 2018 17:59
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I know a lot of dudes that went for Advocare. Only one turned out to be successful with it because he opened a crossfit gym and all his people buy from him. GWM if you are the leader of a cult.
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Jan 27, 2018 18:05
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howdoesishotweb posted:MenLM will be incarnated in the form of DIY beer brewing. You read it here first, kids! There's a good reason why the homebrew emoticon is a little guy throwing away money What's that? Attend a conference about how to sell the newest line of home brewing accessories? Where do I sign up?  I also remember Prepaid Legal stuff being an MLM sounding scam before the great recession.
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Jan 27, 2018 18:08
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bob dobbs is dead posted:i quit facebook so in order to not be a recluse i set a cronjob to remind me to contact random peeps every so often goons.txt (Actually a pretty good and healthy idea, just funny) I knew a guy who got involved with Herbalife, haven't heard from him in a long time though. My dad did the prepaid legal thing during the recession, but he was a customer as a small business owner, so I'm not sure exactly how BWM it was in his case. Not sure where the break-even would be on low level legal advice like contract wording or whatever. 22 Eargesplitten fucked around with this message at 18:12 on Jan 27, 2018 |
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Jan 27, 2018 18:10
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Yeah men have always been heavily targeted by pyramid schemes, they've been around since I was a kid and I always appreciated them because I've consistently used it as a flag for garbage humans who never need to come around and get invited to hangout, or interact with me or my loved ones for that matter (partially because some of those said loved ones are susceptible idiots themselves) They just call them MLM now but it's the same poo poo, different name I think I first started to grasp how much variance in lucidity and awareness there is between individuals when I realized how much time teenage me spent trying to keep a brother who is ten years my senior away from all sorts of bullshit scams KingSlime fucked around with this message at 18:25 on Jan 27, 2018 |
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Jan 27, 2018 18:21
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