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Space Kablooey posted:I read this the first time I scanned this post. If you’re UK based this is the one used on the UK personal finance Reddit which is similar in intent -  I think that most country specific personal finance subreddits have the same sort of flowchart on their pinned posts/info. Edit: please tell me if this comes up giant, I am phone posting so who knows.
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Sep 10, 2021 19:05
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doingitwrong posted:The only part of that chart that are US specific are the 401k & similar, IRA & similar and HSA bubbles. aDecentCupOfTea posted:If you’re UK based this is the one used on the UK personal finance Reddit which is similar in intent - Thank you both. I'm not in the UK (I'm in Brazil), and self-employed, essentially. The gist of this is still pretty helpful, though. Fake edit: I just found a Brazil-specific investing reddit, that should help me. Space Kablooey fucked around with this message at 19:17 on Sep 10, 2021 |
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Sep 10, 2021 19:14
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Fasdar posted:She has almost six figures in savings accounts, for gently caress's sake, but apparently not enough to talk to a bank's "wealth manager" types. The flowcharts posted and the thread link (I'm guessing to the Long Term Investing & Retirement thread) are the way to go. Good luck and congrats on your success! Ulf fucked around with this message at 19:23 on Sep 10, 2021 |
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Sep 10, 2021 19:21
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Over $100,000 per year for journalism school.
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Sep 10, 2021 19:26
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Ulf posted:The bank messed up, those "wealth manager" types increasingly exist only to extract cash from the newly rich and apathetic rich and should have been all over you. Yeah it is odd. She is already fully sunk into her pension plan and gets fully vested next year. We just didn't really have lifestyle inflation affect us after being in graduate school and making a combined ~40k together for 10 years or so and now that we're out and no kids dual incomes w/ phds I feel like we're missing out on exciting bitcoins and boat equity. Like, how do you even get started looking for equestrian focused timeshares? (Thank you all for all the genuine advice above, by the way.)
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Sep 10, 2021 19:26
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Fasdar posted:Yeah it is odd. She is already fully sunk into her pension plan and gets fully vested next year. We just didn't really have lifestyle inflation affect us after being in graduate school and making a combined ~40k together for 10 years or so and now that we're out and no kids dual incomes w/ phds I feel like we're missing out on exciting bitcoins and boat equity. I experienced something similar, though not quite to this degree. I've been avoiding lifestyle inflation as much as I can, and my long-term plans are to save for retirement, buy a townhome/condo on my own or multiplex with a friend, and take at least one big vacation a year while I'm young enough to enjoy it. Set some reasonable priorities, but if the two of you are DINK4Lyfe, you'll have a lot of options.
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Sep 10, 2021 19:34
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Leon Trotsky 2012 posted:Over $100,000 per year for journalism school. Well worth it, because it positions you perfectly to write about student loan debt for The New Yorker or whatever. You won't get that at a state school!
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Sep 10, 2021 19:36
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mrmcd posted:OP: *makes sincere post describing all the classic signs of burnout and depression after 18 months of social isolation and pervasive anxiety from a global plague* Did you actively ignore how the majority of posts were for the goon to focus on his mental health without wasting a possible one in a lifetime opportunity because he feels bored and in the mood for self sabotaging?
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Sep 10, 2021 19:47
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20 goons standing around a well. the usual sequence occurs: 1-4 lower a hand, 5 is yelling digging is a bad idea, 6-8 are lowering rope, 9 harness, 10 telling em dont dig or you drown, 11-18 yelling, 19 the apparatus with a bucket and a pocket watch, 20 jetpack, all of them pissing - but this is an ergodic setting. they are doing all of everything at once willynilly. rope, harness, hand, pocket watch, jetpack, piss. hand, watch, harness, rope, piss, jetpack. and so on.
bob dobbs is dead fucked around with this message at 19:55 on Sep 10, 2021 |
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Sep 10, 2021 19:53
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Leon Trotsky 2012 posted:Very few US politicians have come out with an explicit pro-cryptocurrency stance. Wyoming Senator Cynthia Lummis (R-WY) is among the leading cryptocurrency advocates on Capitol Hill. Lummis partnered with Senators Pay Toomey (R-PA) and Ron Wyden (D-OR) to draft a pro-cryptocurrency amendment to the Infrastructure Bill. This has got to be a joke, right? Does he go around in a top hat and monocle carrying a bag with a dollar sign printed on it, too? bob dobbs is dead posted:20 goons standing around a well. the usual sequence occurs: 1-4 lower a hand, 5 is yelling digging is a bad idea, 6-8 are lowering rope, 9 harness, 10 telling em dont dig or you drown, 11-18 yelling, 19 the apparatus with a bucket and a pocket watch, 20 jetpack, all of them pissing  They only start pissing after the goon in the well has actively refused all 20 offers. Though you may be thinking of the zaurg trainwreck threads, where after the second iteration it was definitely a stream of piss all the time, which zaurg enjoyed bathing in.
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Sep 10, 2021 20:05
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pat, his name is pat
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Sep 10, 2021 20:07
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"Teach me your Blockchain ways Muad'dib." https://twitter.com/Legendary/status/1436366423257862156 How is it an NFT if there are infinite links to each image being sold? It's somehow even less significant than a normal NFT. They don't really have an answer for why you should buy this, but they do want to assure you that they wasted a ton of energy and paid someone else to make it up for them. https://twitter.com/Legendary/status/1436385127450353666
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Sep 10, 2021 20:37
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Motronic posted:That sounds a whole lot more like the person in the office that makes the office the most miserable who quit before getting fired for her toxic lovely behavior making an excuse about why she won't work in an office anymore. She's my sister, so I don't want to agree... but these days you're probably right. In her defense, the last place she worked was a small business whose owner just thought he could always just borrow more, while charging less, and paying for his dumb teenage kid's mistakes and she was the one looking at the bank balance and sending out the paychecks and hoping they wouldn't bounce. Which really really sucked for her. But it's still dumb to write off an entire career because of one really lovely work environment especially just to go back to waitressing, which is well-known for being a really lovely work environment.
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Sep 10, 2021 23:19
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quote:Cryptos have also been up the last few weeks and together with uranium it looks like a possible meltup and short squeeze.
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Sep 11, 2021 01:48
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Decoy Badger posted:<prepper-silver-bug.txt/> As someone that tends to try and balance risk, this feels like the craziest version. Also, I like firearms as much as anyone else but uhh. You generally can’t sanely handle more than one so it’s not clear to me how you’re benefiting above like 3-4 in the Great Collapse scenario.
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Sep 11, 2021 02:27
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rufius posted:As someone that tends to try and balance risk, this feels like the craziest version. When the nuclear waste causes him to grow two prehensile tails, you're going to look very foolish.
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Sep 11, 2021 02:30
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greazeball posted:Hey you sound like my sister! I don't know your situation at all, Fasdar. Honestly, this is just a chance for me to rant about my sister (because she's incredibly defensive about poo poo and my family doesn't want me to criticise her too much either). I have a friend that's like this. Has had a couple of office and banking jobs, but chooses to mostly waitress for a living. Doesn't like working for "the man." On the one hand, I sort of get it and sort of envy it. She likes to do long term travel. One of the ways to fund that was getting part time waitressing jobs in places she travelled to. She has plenty of experience and the jobs are a dime a dozen. Meanwhile, a 2 bedroom apartment that is WAY below market rate just because she's been there so long is home base. She always had a place to go back to when she wanted, a roommate making sure the place didn't explode while she was gone, and generally left most places she worked at on good terms before going travelling for long periods, making it easy to get the old job back or get a good reference for a new one. On the last sojourn, she met a pretty cool guy and fell in love. He came back to town with her. Now they have an (admittedly adorable) kid. He works nights loading trucks. She's just now getting back to work. It's kind of rough these days... there's one car between them, diapers from the baby shower are loaded in the back so they can try to exchange them for larger sizes at random places, and it's just hard to make ends meet. She loves the kid, but is already pretty much sick of how things are going. We have bets as to when she's going to walk into the nearest temp agency for a daytime office job. Because as much as working for the man sucks (and I know as well as anyone, being a decently paid, well benefited, but bored and burned out member of a mid tier financial industry job), at least my wages aren't determined by the whims of Karen's and my hours aren't determined by whether or not cousin Becky needs money for her DUI lawyer.
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Sep 11, 2021 02:38
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You gotta diversify your calibers son. Different range targets, situations, and who knows what ammo you might scavenge. He however will die on day one.
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Sep 11, 2021 02:40
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rufius posted:Also, I like firearms as much as anyone else but uhh. You generally can’t sanely handle more than one so it’s not clear to me how you’re benefiting above like 3-4 in the Great Collapse scenario. I like to think that by "Dual Wielding" he means he has a firearm in addition to a sword, polearm, mace, or wand. I mean, you never know what you'll come across.
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Sep 11, 2021 02:58
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drk posted:I like to think that by "Dual Wielding" he means he has a firearm in addition to a sword, polearm, mace, or wand. I mean, you never know what you'll come across. Surely, a morning star would be in there somewhere?
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Sep 11, 2021 03:08
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Given that he's also a goldbug, maybe he wields a coinhand, where he throws coins for big damage
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Sep 11, 2021 03:29
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Throws coins to distract guards, allowing a silent takedown.
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Sep 11, 2021 14:32
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please knock Mom! posted:If engineers knew how to have fun and enjoy themselves they wouldn’t have made it through engineering school counterpoint I got extremely drunk at least twice a week for 4 years straight and somehow made it through. It taught me one very important thing: I did not want to work in actual engineering, a+ would binge drink again.
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Sep 11, 2021 15:59
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Fasdar posted:It is definitely BWM, but I will never work in an office or in-person work environment again unless my partner becomes ill and cannot provide for herself. I hate commuting, I hate inane chit chat, and I HATE HATE HATE middle managers and people whose life is their job. Come visit the long term retirement thread. https://forums.somethingawful.com/showthread.php?threadid=2892928
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Sep 11, 2021 16:13
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Powerful Two-Hander posted:counterpoint I got extremely drunk at least twice a week for 4 years straight and somehow made it through. Very true. Engineers drink to forget the crimes they're forced to commit on a daily basis.
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Sep 11, 2021 16:43
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Volmarias posted:Very true. Engineers drink to forget the crimes they're forced to commit on a daily basis. It’s called “shipping” and “delivering customer value”.
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Sep 11, 2021 17:04
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Ah yes the best time to learn about crypto is… *checks notes* AFTER having invested in it significantly, sure? Why not. (It came from Reddit) Invested heavily in crypto without knowledge Hi, About 6 months ago I started buying ethereum without much knowledge, I understand the technical aspect of crypto but am clueless about finance and trying to work out how to unfuck myself. Firstly, I used binance and now have about 30k worth of crypto stuck in the platform since all major banks blocked them off. Now, I havent lost money on paper (yet) but am sure I will have lost some after fees etc. I'm looking for the best resource on crypto investing (not the tech side) so I can fully understand what I have gotten myself into. Does anyone have any recommendations? Also anything with personal finance - Just like a quick guide on principles? I was thinking the richest man in babylon. The goal being that I don't make such silly financial choices again
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Sep 11, 2021 21:20
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So is that person 25 or 45?
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Sep 11, 2021 23:54
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Volmarias posted:Very true. Engineers drink to forget the crimes they're forced to commit on a daily basis. In that sense it was extremely useful as an education because I touch computers instead and let's face it, very little tangible "good" has ever come from that so it's better to just drink.
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Sep 12, 2021 00:00
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Leon Trotsky 2012 posted:Over $100,000 per year for journalism school. So if you spend 100% of your journalist pay you can pay that off in 40 years.
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Sep 12, 2021 00:42
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rufius posted:As someone that tends to try and balance risk, this feels like the craziest version. Yeah it's hard enough to shoot one pistol with a two-handed grip, shooting one-handed easily blows your accuracy to complete poo poo, dual wielding is a good way to waste a ton of ammo hitting absolutely everything except what you're aiming at. If your intent is to avoid having to reload , multiple guns is way slower, heavier, more expensive, and clumsier than just extra magazines. The only advantage is you can have different engagement distances quickly but if you're in that situation you're supremely screwed Powerful Two-Hander posted:counterpoint I got extremely drunk at least twice a week for 4 years straight and somehow made it through. Fully half of engineering students were hard drinkers when I went through school. I lived in the engineering dorm of a dry campus, and between clever smuggling and homebrewing we were definitely some of the most alcohol soaked outside frat houses. Usually way less destructive though. The worst I remember is people dismantling the fire extinguisher mounts before reassembling them
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Sep 12, 2021 00:45
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I mean, the chant for the Engineering first years during frosh week at my local university went like this "we are, we are the engineers / we can, we can demolish 40 beers / drink rum, drink rum all the time" and while I don't remember the rest of it I don't recall any of the other degrees having so many references to drinking. Some of my friends that were in engineering school I could believe were hard drinkers from all the crap they had to go through, or maybe that was just their excuse to indulge, who am I to judge
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Sep 12, 2021 01:53
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i think an unironic systematic advantage silicon valley has had over other putative software places is the different combo of drugs you cant code on 15 shots of liquor. ive seen peeps try. you can code after doing enough bong rips to consume an entire oz of weed tho
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Sep 12, 2021 02:46
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bob dobbs is dead posted:i think an unironic systematic advantage silicon valley has had over other putative software places is the different combo of drugs I feel extremely called out (Seattle, but yes)
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Sep 12, 2021 02:54
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Elephanthead posted:So if you spend 100% of your journalist pay you can pay that off in 40 years. Hey now, I got a 50-cent per hour raise this year.
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Sep 12, 2021 03:17
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bob dobbs is dead posted:i think an unironic systematic advantage silicon valley has had over other putative software places is the different combo of drugs I mean, it’s about pace. The Ballmer peak is real and I have experienced it. For me, it’s 3 5-6% beers and then a beer every 45 mins till I’m done. Some of my best code was written riding the Ballmer peak. But ya, if you slam 5 shots and then chase them with 10 more you’re hosed.
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Sep 12, 2021 06:48
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Aces High posted:I mean, the chant for the Engineering first years during frosh week at my local university went like this "we are, we are the engineers / we can, we can demolish 40 beers / drink rum, drink rum all the time" and while I don't remember the rest of it I don't recall any of the other degrees having so many references to drinking. Some of my friends that were in engineering school I could believe were hard drinkers from all the crap they had to go through, or maybe that was just their excuse to indulge, who am I to judge What the gently caress is wrong with all you people, we just acknowledged we drank and did so. There was none of this broadcasting of it.
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Sep 12, 2021 06:56
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Elephanthead posted:So if you spend 100% of your journalist pay you can pay that off in 40 years. If you're going to journalism school, I think the assumption is that you're independently wealthy.
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Sep 12, 2021 08:54
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Aces High posted:I mean, the chant for the Engineering first years during frosh week at my local university went like this "we are, we are the engineers / we can, we can demolish 40 beers / drink rum, drink rum all the time" and while I don't remember the rest of it I don't recall any of the other degrees having so many references to drinking. Some of my friends that were in engineering school I could believe were hard drinkers from all the crap they had to go through, or maybe that was just their excuse to indulge, who am I to judge "I'm a rambling wreck because of Georgia Tech, but I wanna be an engineer." There were never any good drinking songs for sociology majors. Or good jobs for that matter.
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Sep 12, 2021 12:39
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Oil! posted:What the gently caress is wrong with all you people, we just acknowledged we drank and did so. There was none of this broadcasting of it. It’s an American thing. We were drunk most of the time through nautical school, including sometimes in class, and we didn’t like… sing about it.
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Sep 12, 2021 19:39
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