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Hyrax Attack! posted:I'm having trouble following this one with VWENX. Is it that the guy doesn't understand he is getting good returns, and shouldn't make any changes? Or that he missed something big and is screwed? It's a little bit of both. He's in a fund that is made up of 2/3 bonds and pays dividends. He's just looking at the stock price from 5 years ago and the stock price from today and seeing that it has barely changed. When the fund pays dividends, the value of the stock goes down, but you get paid money and it gets reinvested. He's upset because the value of the stock only went up a few dollars in 5 years. But, if you have 10 shares and the value goes up by $5, then you made $50. If you have 10,000 shares and the value goes up by $5, then you made $50,000. The absolute value of the stock is not what is important. Also, someone that is 29 should not be investing 100% in a fund that is mostly bonds. The past 5 years were some of the best times for stocks in recent history and he missed out on those gains. Leon Trotsky 2012 fucked around with this message at 19:26 on Nov 23, 2020 |
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Nov 23, 2020 19:21
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Leon Trotsky 2012 posted:It's a little bit of both. Gotcha, thanks for explaining. makes sense.
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Nov 23, 2020 19:26
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Bonsai, Wax, and Miyagi: Can I claim my kid’s karate class as FSA?
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Nov 23, 2020 19:31
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Boarding Without Morals: If my roommate dies do I get a bonus on rent
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Nov 23, 2020 19:45
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Dik Hz posted:Boarding Without Morals: If my roommate dies do I get a bonus on rent Like what does that even mean? And also is he planning to have a cat as a roommate and kill the cat for free rent?
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Nov 23, 2020 19:48
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I figure he just saw Dead Man on Campus and thought that it somehow extended to real adult life.
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Nov 23, 2020 19:50
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Dik Hz posted:Boarding Without Morals: If my roommate dies do I get a bonus on rent Uh yes congratulations on your 2x bonus multiplier
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Nov 23, 2020 20:07
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StormDrain posted:Like what does that even mean? It means that we've failed as a nation on teaching basic personal finance in schools. My 17 year old is going through her high school's personal finance course this marking period. The teacher started out with the stock market. Sigh. I'm half expecting them to move on to "balancing a checkbook" and "how to use passbook savings" next, but I'll report in as I find out.
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Nov 23, 2020 20:09
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FateFree posted:Uh yes congratulations on your 2x bonus multiplier *Kills roommate* Voice from the heavens: M-M-M-MONTHLY RENT rent rent
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Nov 23, 2020 20:18
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SpartanIvy posted:*Kills roommate* 
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Nov 23, 2020 20:31
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StormDrain posted:Like what does that even mean? And also is he planning to have a cat as a roommate and kill the cat for free rent? I think you know the answer to this. the answer involves maritime law
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Nov 23, 2020 20:44
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quote:you know what’s a better feeling than looking online at your bank account? Opening a loving treasure chest with physical gold and silver in it. I'm not sure if this person is real or a pirate ghost come back to life
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Nov 24, 2020 04:07
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"GameStop's Black Friday sale includes 25% off Funko Pop! toys" Investments are 20% off on Black Friday!
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Nov 24, 2020 05:29
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Soylent Pudding posted:Just lol if you don't don full 16th century plate armor over your gambeson before wielding your sharpened steel in the kitchen. You joke but I will never, ever operate a meat slicer again without chainmail gloves. Had to run one of my cooks to the ER to put a fingat back on.
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Nov 24, 2020 11:37
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Liquid Communism posted:You joke but I will never, ever operate a meat slicer again without chainmail gloves. This prompted me to look up chainmail gloves, and it's pretty incredible that something that has historically been something only the best equipped warriors could afford, that was passed down for generations and looted from battlefields as a major prize, is now available with next day shipping for about two hours of minimum wage.
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Nov 24, 2020 12:10
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I was recently marvelling at my spice drawer which contains a bounty of dried plant matter that empires were forged to acquire.
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Nov 24, 2020 12:17
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"What do you think a medieval serf would be most impressed with about modern life?" "My easy access to cinnamon."
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Nov 24, 2020 12:58
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Is sugar still a luxury bought in tiny amounts? Oh no we have so much its killing people
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Nov 24, 2020 13:27
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Yeah we just throw down salt on our roads so they don't get icy.
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Nov 24, 2020 14:35
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We've eliminated most plagues and some people are very angry about this We've also solved that thing where milk sometimes kills you and some people are very angry about this No the other thing where milk sometimes kills you. We solved that one too and look you can see where this is going
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Nov 24, 2020 14:54
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We can purchase rare and delightful oranges cheaply at the supermarket, but we prefer to consume them after they've been converted to a homogeneous sludge, stored in a vat for several weeks, and then we add flavorings and sugar.
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Nov 24, 2020 15:23
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Uh, I only drink water.
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Nov 24, 2020 15:37
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Bank of America unexpectedly took out $12,000 from my account for a past car debt with them 3 years agoquote:I am panicking. 2.5 years ago, I was in a car accident and had a car loan with bank of america. With my insurance, I did not have full coverage and was not informed I needed it. Well, after the accident, the bank said I owed the $11,500 thats left on the car within 30 days. I did not have that money so could not pay it all at once and asked if I could just continue the monthly payments but they wouldn't allow and the loan disappeared from my account with them. After getting thoroughly trashed in the comments, someone posts a vague "sorry your poo poo sucks OP" comment, and OP finally comes back to say: quote:Thank you for at least showing some compassion. These comments crack me up. No I didn’t think the debt just “disappeared”. I knew it was coming eventually but I even called Bank of America when it fell off my account 2 years ago and they told me it went to collections and someone would be reaching out. End of the day, it is my fault and I accept responsibility for the debt. Only reason I asked is because I was seeing if I had an option to pay maybe $5,000 today and continue payments until it’s paid off. The shocker was I never was given that option and lost 12k overnight when I’m set to close on a house I’ve been working towards for over a year.
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Nov 24, 2020 15:37
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Boiled Water posted:Is sugar still a luxury bought in tiny amounts? Oh yeah it was fascinating to learn about the teeth of people at Pompeii were in excellent shape, or how Europeans living at the start of when sugar imports became cheap had their teeth rotted fast.
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Nov 24, 2020 15:50
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pentyne posted:Uh, I only drink water. The only water I drink is the water Enrique drinks for me
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Nov 24, 2020 15:57
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Tomfoolery posted:We can purchase rare and delightful oranges cheaply at the supermarket, but we prefer to consume them after they've been converted to a homogeneous sludge, stored in a vat for several weeks, and then we add flavorings and sugar. OJ is kinda hilarious because people have gotten so used to the old, tanked, reflavored stuff that they'll literally pick it over juice from actual oranges in blind tests because they're so used to the flavorings. Legit "juice straight from oranges" tastes weird when the only thing you've ever had is years old and full of flavoring and sugar. I have an apple that has red flesh on my desk. Is the red flesh special? Yes, gently caress you we made a red apple. Does it taste better? gently caress you we made a red apple. $2.25 each. Why should I buy this instead of a good apple? gently caress you, it's red.
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Nov 24, 2020 16:16
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Living in rural Florida ruined OJ for me. On one hand you could go to any random farms roadside stand and get a bunch of fresh oranges for amazing juice. On the other we were about 20 miles away from an orange juice factory and if the wind shifter just right the entire area smelled like orange-glow. Even after moving away I just can't handle processed orange juice anymore after getting used to the real thing.
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Nov 24, 2020 16:24
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pentyne posted:Uh, I only drink water. You know how that water now prevents all your teeth from rotting and falling out? Yeah, some people get really mad about that one.
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Nov 24, 2020 16:55
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You know goiter? Well we don't, because if we put a tiny bit of something you guys don't even know about yet into our salt, nobody gets sick. Why salt? Well, it's cheap and everyone has access to it. Also gout is now accessible to everyone, not just the super rich.
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Nov 24, 2020 16:59
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Karia posted:You know how that water now prevents all your teeth from rotting and falling out? Yeah, some people get really mad about that one. Also it just shows up to your house. And it doesn't have microbes or lead in it. Unless you live in Flint, I guess.
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Nov 24, 2020 17:05
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Splicer posted:No the other thing where milk sometimes kills you. We solved that one too and look you can see where this is going Wait what's this one?
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Nov 24, 2020 17:15
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Less Fat Luke posted:Wait what's this one?
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Nov 24, 2020 17:28
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Soylent Pudding posted:Living in rural Florida ruined OJ for me. On one hand you could go to any random farms roadside stand and get a bunch of fresh oranges for amazing juice. On the other we were about 20 miles away from an orange juice factory and if the wind shifter just right the entire area smelled like orange-glow. Even after moving away I just can't handle processed orange juice anymore after getting used to the real thing. I used to work in R&D in the orange juice industry in Florida; I will say that refrigerated orange juice is relatively less processed than most other foods. The flavor "add-back" as it's called comes from the aromatic compounds that are driven off during pasteurization, and no sugar is added. The pasteurized juice is kept very cold in an oxygen-free environment so effectively there is little to no degradation over time. Consumer preference is definitely an interesting thing, too. Consumers prefer if pineapple juice has a faint "tin can" note because of canned pineapple juice, and they prefer lime juice with a little bit of oxidation/age (just a few hours) because they're used to that.
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Nov 24, 2020 17:32
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moana posted:Lactose intolerance and pasteurization is my guess? Yeah I got the pasteurization one, I didn't think lactose intolerance killed anyone though. Could be wrong, it's not something I've ever looked into!
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Nov 24, 2020 17:33
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Less Fat Luke posted:Yeah I got the pasteurization one, I didn't think lactose intolerance killed anyone though. Could be wrong, it's not something I've ever looked into! Here's a partial brief answer: it still does. Indigenous children of Canada who were kidnapped and put into those hellish genociding boarder schools would be given only milk to drink. They are genetically lactose intolerant and would suffer compromised immune systems from being forced to drink fluids they cannot process. Also they would have developmental issues from being starved of nutrients. I've also heard milk would be sent in care packages to disaster zones in places where local people cannot drink milk either. Useless!
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Nov 24, 2020 18:29
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Oh I see, I'm Canadian and aware of that part of history but I wouldn't say that it was the lactose intolerance doing the murderous genocide there (but I get your point!)
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Nov 24, 2020 19:02
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I'm lactose intolerant and if I ingest even a little bit I will kill your toilet.
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Nov 24, 2020 19:35
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I wished for death when my dad would eat pizza and ice cream before spending the entire weekend in a truck or hotel room with me
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Nov 24, 2020 19:36
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Cheese gives Nocheez the sass gut. It all makes sense now!
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Nov 24, 2020 19:47
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I thought "that other way" milk used to kill we have eliminated was drinking milk from cows eating a particular plant (they didn't know this) Killed thousands in the American Midwest, including Abraham Lincoln's mother. milk sickness .... there sure were a lot of these...
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Nov 24, 2020 21:13
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