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Party Plane Jones posted:don't take financial advice from anybody on SA, get an actual investment/financial advisor for your money the problem is that if you don't actually know how to invest, you're a mark and there are a lot of scam financial/investment advisors out there. i know that when i started working as a lawyer i got deluged by financial advisor cold-calls, took a meeting with one of them, and basically discovered they were pitching me on something that somehow involved life insurance that i am now basically sure was not quite an outright scam, but was basically a massive commission for them for significantly sub-market returns. that's why the "invest in index funds" advice exists: it's simple advice, it's right for 95% or more people looking for investment advice, and it does not run the risk of you getting scammed. it is diversified enough you won't get wiped out, while following investment tips and buying stocks yourself can get you wiped out. investment advisors and financial advisors can be legit - but if you don't know enough about money to know the basics you don't know which ones are scamming you. they have no obligation to put your interests above their interest in transferring as much of your money to their pocket as possible. Heck Yes! Loam! posted:Then get one with a fiduciary responsibility... learning how to invest well enough is a lot easier than learning what a fiduciary responsibility is, who has them, who doesn't, and selecting someone who does. evilweasel fucked around with this message at 00:15 on Oct 30, 2018 |
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Oct 30, 2018 00:13
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Acebuckeye13 posted:so wait should I invest all my money into spiders or not For your investments put 75% in spiders, 5% in worms, and 20% in little boats inside bottles.
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Oct 30, 2018 00:16
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https://twitter.com/chick_in_kiev/status/1057037626132324359
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Oct 30, 2018 00:17
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Spacebump posted:For your investments put 75% in spiders, 5% in worms, and 20% in little boats inside bottles. I'd like to invest in bespoke MAGA merchandise. Anyone know where to start? This hat is already on the list: 
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Oct 30, 2018 00:18
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I have never had an employer that offered me a retirement plan and I've certainly never had the spare change to put into a 401k. Retirement will never be an option for me.
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Oct 30, 2018 00:23
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Dick Trauma posted:What character should they use for today's kids? Poochie? remember epic mickey
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Oct 30, 2018 00:30
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Party Plane Jones posted:don't take financial advice from anybody on SA, get an actual investment/financial advisor for your money Counter point: just go read some books on the subject because if you’re not making 7 figures a year you don’t need to pay someone to manage your meager savings quote:i know that when i started working as a lawyer i got deluged by financial advisor cold-calls, took a meeting with one of them, and basically discovered they were pitching me on something that somehow involved life insurance that i am now basically sure was not quite an outright scam, but was basically a massive commission for them for significantly sub-market returns. EwokEntourage fucked around with this message at 00:33 on Oct 30, 2018 |
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Oct 30, 2018 00:31
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https://mobile.twitter.com/Rasmussen_Poll/status/1056946262690299904 I swear Rasmussen must be a GOP run poll
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Oct 30, 2018 00:33
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some states will have mandatory participation if you work for them in the plans. this is a good thing. for example the state of florida requires that you put in 3% of your salary into one of two plans - either a traditional pension or a 401(a). these sort of methods are good because it's hard to look far enough ahead to see how that 3% is going to serve you, but "your money" being in your pocket right now is usable. the biggest issue with a lot of investors in these plans is actually the options they're offered. most will be incredibly aggressive until they lose money, then conservative until the market is up. it's an insanely bad pattern and that's because investing, especially for retirement with a timespan in decades, isn't an intellectual exercise. it's entirely an emotional one. you can create an appropriate retirement portfolio right now with a 401(k) and a basic understanding of what a target date fund is. i am really sad that more and more businesses don't offer these options or even better ones.
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Oct 30, 2018 00:34
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https://twitter.com/nycsouthpaw/status/1057051952184545280 My  take is that he's being intentionally ludicrous on an attention-grabbing case so as to weaken pushes for meaningful anti-SLAPP legislation on the state and federal level in the future. Because the man lives for SLAPPs.
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Oct 30, 2018 00:34
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tbp posted:some states will have mandatory participation if you work for them in the plans. this is a good thing. for example the state of florida requires that you put in 3% of your salary into one of two plans - either a traditional pension or a 401(a). these sort of methods are good because it's hard to look far enough ahead to see how that 3% is going to serve you, but "your money" being in your pocket right now is usable. Downside of Automatic 401(k) Savings: More Debt. New research finds employees auto-enrolled in retirement plans borrow more than they otherwise would have, offsetting savings quote:After adjusting for differences in the economic cycle and in characteristics of the two employee groups, including education and salary levels, the study found that four years after hire, the employees who were auto-enrolled amassed an average of $3,237 more in 401(k) contributions than those who were left to sign up on their own. (That number includes both employee and employer contributions, but not market growth.) VVV yup, it's real sad VitalSigns fucked around with this message at 00:38 on Oct 30, 2018 |
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Oct 30, 2018 00:35
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VitalSigns posted:Downside of Automatic 401(k) Savings: More Debt. New research finds employees auto-enrolled in retirement plans borrow more than they otherwise would have, offsetting savings man, that just breaks my heart. no real way to win.
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Oct 30, 2018 00:36
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evilweasel posted:that's why the "invest in index funds" advice exists: it's simple advice, it's right for 95% or more people looking for investment advice, and it does not run the risk of you getting scammed. it is diversified enough you won't get wiped out, while following investment tips and buying stocks yourself can get you wiped out. I’ll admit that anything I do know about the stock market comes from stock-trading board games, but I’ll promise to look into index funds when I have money to properly invest.
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Oct 30, 2018 00:37
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Party Plane Jones posted:i'm mainly saying this because if you took advice from SA your money would be in grand pianos, guns, bitcoin, and russian pharmaceuticals you forgot horseboats, sir
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Oct 30, 2018 00:37
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Craig K posted:you forgot horseboats, sir And hot dog stands
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Oct 30, 2018 00:38
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The good thing about retirement is that it’s a fast track to death for regressive Boomers. Sitting on your rear end all day getting worked into a rage by Fox News is probably worse than chain smoking Marlboro Red 100s.
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Oct 30, 2018 00:38
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Young Freud posted:Texas, either. Funny that he's not going back down to shore up support for Cruz. Could mean anything at this point. I mean, the voting machines are switching Beto votes to Cruz. So he doesn’t need to go to Texas, the gop is doing their part by rigging the election
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Oct 30, 2018 00:40
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I'm glad my boomer father is a union-loving socialist. 
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Oct 30, 2018 00:40
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Gab is having a rough day https://mobile.twitter.com/getongab/status/1057008484821028864 https://mobile.twitter.com/getongab/status/1057029289290403840 https://mobile.twitter.com/getongab/status/1056917418616881152
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Oct 30, 2018 00:41
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Smeef posted:The good thing about retirement is that it’s a fast track to death for regressive Boomers. Sitting on your rear end all day getting worked into a rage by Fox News is probably worse than chain smoking Marlboro Red 100s. Hate and spite seem to keep people alive longer than they have any right to. Their generation is going to live into the hundreds just to ensure maximum earth salting before they shuffle off.
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Oct 30, 2018 00:41
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Paracaidas posted:https://twitter.com/nycsouthpaw/status/1057051952184545280 who amongst us has not spent 230.5 billable hours on a motion to dismiss e: lol https://twitter.com/Popehat/status/1057052384231190528 eke out fucked around with this message at 00:44 on Oct 30, 2018 |
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Oct 30, 2018 00:42
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Mr Ice Cream Glove posted:Gab is having a rough day
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Oct 30, 2018 00:43
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VitalSigns posted:Downside of Automatic 401(k) Savings: More Debt. New research finds employees auto-enrolled in retirement plans borrow more than they otherwise would have, offsetting savings Jesus gently caress, even when you try to do the traditionally intelligent and secure things that society asks us to do to achieve the American Dream and be rewarded for years of hard work, you still get hosed. I feel like we can't win. 
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Oct 30, 2018 00:46
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Mr Ice Cream Glove posted:Gab is having a rough day https://twitter.com/getongab/status/1057037342807113728
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Oct 30, 2018 00:47
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evilweasel posted:the problem is that if you don't actually know how to invest, you're a mark and there are a lot of scam financial/investment advisors out there. i know that when i started working as a lawyer i got deluged by financial advisor cold-calls, took a meeting with one of them, and basically discovered they were pitching me on something that somehow involved life insurance that i am now basically sure was not quite an outright scam, but was basically a massive commission for them for significantly sub-market returns. Probably pitched you on a whole life policy. The commission for those is pretty good so yeah financial advisors are going to push them. A whole life policy can make sense, but only after you have completely maxed out all other tax-advantaged investment options. Maxxed out 401k, 403b, IRA, anything and everything you have available, and THEN if you STILL have a boatload of money to invest and you also have a need to buy life insurance, then and only then should anyone start thinking about whole life.
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Oct 30, 2018 00:48
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i looked at that motion and Charles Harder's hourly rate is $841.64, after courtesy discounts to Mr. Trump haha
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Oct 30, 2018 00:50
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At the next time these guys show up, someone needs to bomb them with Nair. Literally wipe that beard off their face.
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Oct 30, 2018 00:50
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tbp posted:some states will have mandatory participation if you work for them in the plans. this is a good thing. for example the state of florida requires that you put in 3% of your salary into one of two plans - either a traditional pension or a 401(a). these sort of methods are good because it's hard to look far enough ahead to see how that 3% is going to serve you, but "your money" being in your pocket right now is usable. In Florida's case it's a bad thing because Rick Scott is an rear end in a top hat. Florida used to contribute all the money into the retirement fund for employees, default pension but the employee could switch over to 401(k). However Rick Scott decided to give every state employee a 3% pay cut so they could use the money to balance the budget. gently caress Rick Scott, gently caress the Florida Legislature, and gently caress the Florida Supreme Court for allowing it.
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Oct 30, 2018 00:50
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Dick Trauma posted:What character should they use for today's kids? Poochie? I wouldn't be able to go this far in order to sell merch. I guess I'll never be an entrepreneur.
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Oct 30, 2018 00:52
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This suicide is because my life insurance was about to run out, do NOT investigate.
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Oct 30, 2018 00:52
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eke out posted:who amongst us has not spent 230.5 billable hours on a motion to dismiss Or another 64 billable hours to justify why you billed 230 on a motion to dismiss
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Oct 30, 2018 00:53
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Mr Ice Cream Glove posted:https://mobile.twitter.com/Rasmussen_Poll/status/1056946262690299904 polls are fuckin trash all around
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Oct 30, 2018 00:55
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Gyges posted:In Florida's case it's a bad thing because Rick Scott is an rear end in a top hat. Florida used to contribute all the money into the retirement fund for employees, default pension but the employee could switch over to 401(k). However Rick Scott decided to give every state employee a 3% pay cut so they could use the money to balance the budget. its a 401a which is a little different but yeah. that happened back in 7/2011 and they DO have one of the best funded pensions in the nation but i can't imagine having gone through that at the time
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Oct 30, 2018 00:55
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Push El Burrito posted:The average person doesn't consume 8 spiders per year, one person just eats 61 billion spiders a year. https://www.youtube.com/watch?v=RKbr8arXVJM
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Oct 30, 2018 00:56
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Last Chance posted:polls are fuckin trash all around This close to an election I feel like tea leaves would provide more accurate information. 50% my rear end.
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Oct 30, 2018 00:56
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Mr Ice Cream Glove posted:https://mobile.twitter.com/Rasmussen_Poll/status/1056946262690299904 twice burned ice posted:I'd like to invest in bespoke MAGA merchandise. Anyone know where to start?
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Oct 30, 2018 00:59
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https://twitter.com/AJDorsey/status/1056992979926335490?s=20
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Oct 30, 2018 01:01
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https://twitter.com/realDonaldTrump/status/1057059603605831680
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Oct 30, 2018 01:02
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https://twitter.com/realDonaldTrump/status/1057059603605831680 awesome this loving guy
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Oct 30, 2018 01:02
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His approval among African Americans doubled when Kanye signed on. To two.
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Oct 30, 2018 01:02
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