Its not surprising that a championship contender has dominated a team that has been perpetual play-in material the last two seasons is it? The lakers advanced in the playoffs last year but not against very good teams. When they ran into a good team the talent disparity showed.
LeBron is an amazing talent. Top 3 of all time. He also whines so much it makes him very unlikable. If he is going to complain about the officiating in this game hopefully he apologizes for ALL the times he benefited from a superstar call.
Is this really a surprise? For some crazy reason companies reward talent coming in from the outside vs talent that is already part of the culture. Maybe part of that is that those that stay for a long time are ok with the lower pay for the comfort of a familiar situation?
Why is the Great Salt Lake Drying up? Well after two fantastic water years it is actually starting to rebound but that doesn't make for very sexy youtube content.
I don't think the church has an official stance on yoga, but I would be thoroughly surprised if they even discouraged it, because there's nothing demonic about yoga.
Not for me. I lost about 10% of my homes price on zillow when rates jumped up. Still waiting for it to come back up to what was an artificially inflated value caused by huge demand. The demand was driven in part by low interest rates.
My original post was snark, but I'll be serious for a moment. I sympathize with you. I listed my home for sale the day the Fed cranked the rate initially, and I got no interest even after I dropped the price ten percent. I lost the house I'd (finally) managed to get my offer accepted on, and I had to compromise greatly on making offers on other houses.
I'm in an ok position because I came into the house with a decent down payment. I really feel bad for the people who bought their first home and are now upside down on a mortgage. The switch in interest rates was tough on alot of people.
I'm not sure why you feel guilty. The employee tried to game the system by moving. Unless your company said in writing that there was never going to be an RTO then this employee doesn't have a foot to stand on.
Some companies are very clear that that they have an in office culture. Others do not. It sounds like the OP's org did and then covid happened. Tons of people tried to take advantage of this during Covid by moving to a cheaper place while still getting paid at a higher cost of living wage. A good employee would let their manager know they are moving and update their address in the corporate payroll system. This person did neither.
I personally wouldn't put it with a financial advisor who will charge you an annual maintenance fee. Consider put 2/3 in an index fund and the other 1/3 into bonds or some other conservative fund that will help even out the ups and downs of the market.
I misread your original post that you were 60 now. If you are not going to touch it for almost 20 years then I would put 95% of the funds in a fund like VTI or FXAIX that are index based funds that follow the market. Generally the market is going to go up over that time.
Why can't the money in your brokerage be part of your emergency fund? What you can do is start contributing more towards your emergency fund and less to your taxable brokerage until your emergency fund is in a spot you are happy with.
Good luck with trying to find a mutual fund that matches your ethics. Do you care about climate? Don't invest in any funds that carry NVDA (which are most) which has blown up due to the cryptocurrency fad. Do you care about privacy? Better not put money in a fund that invests in Microsoft, Google or Apple which have ALL of your data. Do you care about Healthcare costs? Make sure you don't have any funds that are profiting from people paying off massive healthcare procedures.
It seems like it takes half a day just to get there..... from anywhere. I've seen signs for it as I drove then pulled it up on google maps and said never mind.
Unless I’m using google maps wrong (possible!) it looks like it’s only 30 min off of 50, which I’d be on anyway. It’s definitely far off from big cities though.
Its very possible that I'm wrong. I've always been on the Interstate when I saw the signs. If you are close I would say do it. My friends who have gone said it was wonderful.
I highly doubt it. This sub is 99.7% pictures of the merchandise people buy at the tournament. It's not like there are posts attacking the chairman for his social stances.
Unpopular opinion, it’s too early. Spend your current resources on school, building a career, and if it’s something you want, finding a significant other to share a family with. If you are employed with a company always max your 401 match.
I completely agree. Lots of people here have forgotten what it means to be 18. First priority should be education. He has a great nest egg. If he can get through college debt free then he will be miles ahead of most of his peers.
Not too early, but you generally want to avoid investing money you need in the near-ish future, which is always tricksy with stuff like university. I don't know how much you'll need for uni, but your first goal should be getting that money and having it somewhere safe -- actually getting that degree is more valuable than the retirement fund at 18. The rule of thumb for what to aim for is a year of expenses sitting somewhere safe like a high yield savings account or money fund. But if you anticipate not working while going to school, more is better.
Finally some good advice to this question. Saving for retirement at 18 is great but not nearly as important as getting a good education that allows a solid wage the rest of your life. The more you learn (usually) the more you will earn. I laughed at people suggesting a roth fund to an 18 year old who is going to school soon. I'm sure a roth will be great when you need to pay tuition and for books and have to pay a penalty to withdraw funds.
It is the cycle of life. Buying during market slump is like buying a fixer up house that will require some elbow grease and patience to get up to snuff. Is that something you would want to take on later in life or would you rather have a more stable house that requires less maintenance?
Its not surprising that a championship contender has dominated a team that has been perpetual play-in material the last two seasons is it? The lakers advanced in the playoffs last year but not against very good teams. When they ran into a good team the talent disparity showed.
LeBron is an amazing talent. Top 3 of all time. He also whines so much it makes him very unlikable. If he is going to complain about the officiating in this game hopefully he apologizes for ALL the times he benefited from a superstar call.
Is this really a surprise? For some crazy reason companies reward talent coming in from the outside vs talent that is already part of the culture. Maybe part of that is that those that stay for a long time are ok with the lower pay for the comfort of a familiar situation?
Go to a store. Buy anything. Cringe in horror at the cost. Getting eaten by a bear might be better than trying to buy food.
Why is the Great Salt Lake Drying up? Well after two fantastic water years it is actually starting to rebound but that doesn't make for very sexy youtube content.
They should evaluate who is bringing in players. LeBron is a bad GM.
I hope your life insurance policy had beneficiaries.
I don't think the church has an official stance on yoga, but I would be thoroughly surprised if they even discouraged it, because there's nothing demonic about yoga.
Please don't do yoga while playing the harry potter video game. There is no coming back from that spiritual landmine.
Yoga can be bad for you simply because it will bore you to death and thus expedite your journey to the spirit world.
What kind of moron rides a kayak in a lazy river? I guess one who wants to feel good about themselves.
If interest rates go down, housing prices go up. If interest rates go up, housing prices go up.
Not for me. I lost about 10% of my homes price on zillow when rates jumped up. Still waiting for it to come back up to what was an artificially inflated value caused by huge demand. The demand was driven in part by low interest rates.
My original post was snark, but I'll be serious for a moment. I sympathize with you. I listed my home for sale the day the Fed cranked the rate initially, and I got no interest even after I dropped the price ten percent. I lost the house I'd (finally) managed to get my offer accepted on, and I had to compromise greatly on making offers on other houses.
I'm in an ok position because I came into the house with a decent down payment. I really feel bad for the people who bought their first home and are now upside down on a mortgage. The switch in interest rates was tough on alot of people.
I'm not sure why you feel guilty. The employee tried to game the system by moving. Unless your company said in writing that there was never going to be an RTO then this employee doesn't have a foot to stand on.
Game the system by moving lol. If you can work remotely there’s zero fuckin reason to rto other than the pride/ego of leadership.
Some companies are very clear that that they have an in office culture. Others do not. It sounds like the OP's org did and then covid happened. Tons of people tried to take advantage of this during Covid by moving to a cheaper place while still getting paid at a higher cost of living wage. A good employee would let their manager know they are moving and update their address in the corporate payroll system. This person did neither.
I personally wouldn't put it with a financial advisor who will charge you an annual maintenance fee. Consider put 2/3 in an index fund and the other 1/3 into bonds or some other conservative fund that will help even out the ups and downs of the market.
Ideally I won’t touch it for 17 years
I misread your original post that you were 60 now. If you are not going to touch it for almost 20 years then I would put 95% of the funds in a fund like VTI or FXAIX that are index based funds that follow the market. Generally the market is going to go up over that time.
Why can't the money in your brokerage be part of your emergency fund? What you can do is start contributing more towards your emergency fund and less to your taxable brokerage until your emergency fund is in a spot you are happy with.
Good luck with trying to find a mutual fund that matches your ethics. Do you care about climate? Don't invest in any funds that carry NVDA (which are most) which has blown up due to the cryptocurrency fad. Do you care about privacy? Better not put money in a fund that invests in Microsoft, Google or Apple which have ALL of your data. Do you care about Healthcare costs? Make sure you don't have any funds that are profiting from people paying off massive healthcare procedures.
Exercise is bad for you. How many ever get injured sitting on the couch watching TV?
It seems like it takes half a day just to get there..... from anywhere. I've seen signs for it as I drove then pulled it up on google maps and said never mind.
Unless I’m using google maps wrong (possible!) it looks like it’s only 30 min off of 50, which I’d be on anyway. It’s definitely far off from big cities though.
Its very possible that I'm wrong. I've always been on the Interstate when I saw the signs. If you are close I would say do it. My friends who have gone said it was wonderful.
I picture the OP being mid 40s, male, 2-4 kids, lives in a nice suburban house with a 2 car garage.
I highly doubt it. This sub is 99.7% pictures of the merchandise people buy at the tournament. It's not like there are posts attacking the chairman for his social stances.
runningintheusa.com
Are you talking about management expenses?
Unpopular opinion, it’s too early. Spend your current resources on school, building a career, and if it’s something you want, finding a significant other to share a family with. If you are employed with a company always max your 401 match.
I completely agree. Lots of people here have forgotten what it means to be 18. First priority should be education. He has a great nest egg. If he can get through college debt free then he will be miles ahead of most of his peers.
Not too early, but you generally want to avoid investing money you need in the near-ish future, which is always tricksy with stuff like university. I don't know how much you'll need for uni, but your first goal should be getting that money and having it somewhere safe -- actually getting that degree is more valuable than the retirement fund at 18. The rule of thumb for what to aim for is a year of expenses sitting somewhere safe like a high yield savings account or money fund. But if you anticipate not working while going to school, more is better.
Finally some good advice to this question. Saving for retirement at 18 is great but not nearly as important as getting a good education that allows a solid wage the rest of your life. The more you learn (usually) the more you will earn. I laughed at people suggesting a roth fund to an 18 year old who is going to school soon. I'm sure a roth will be great when you need to pay tuition and for books and have to pay a penalty to withdraw funds.
Is hiking what the criminals do in the offseason?
Fact: Nebraska has never been succesfully attacked by a foreign navy in the entire history of its existence.
Their Navy is so fierce that foreign fleets never made it past the Rocky Mountains.
Wait we are aren't supposed to keep our old dynamite in our houses?
It is the cycle of life. Buying during market slump is like buying a fixer up house that will require some elbow grease and patience to get up to snuff. Is that something you would want to take on later in life or would you rather have a more stable house that requires less maintenance?