legend

Really? Wouldn't they keep their prices the same to steal the market?

Doing back flips.

Yeah I'm not convinced we've finally reached the long fabled "moment" (or if we ever will). I suspect people thinking that believe that while people defending Trump have long been doing mental gymnastics, that to continue it at this point would require Spiderman-like skill. I really hope that's true, but I think it's very probably that Spiderman will leave impressed.

Oh, I'm not surprised at this point. But the state of affairs of the US from the perspective of just a few years ago is mind blowing.

Mind blowing.

Of course he's bringing in the state media.

I haven't looked into that before. Sounds interesting! I will check it out.

Looks like I should be able to do both. 401K has a much higher limit (18,000) versus ROTH IRA ($5500) from what I can tell.

I can't stress enough how great it felt to pay off the student loans. I totally endorse knocking it out!

Maybe I'm wrong. But at first glance this seems like bad application of the winner's curse. For those unfamiliar, the winner's curse refers to a property of the bidder who wins an auction for which the item has a true value that is roughly equal to every bidder, but isn't known upfront and must be independently estimated by each bidder. In this case, if the average bid of bidders is an accurate representation of the true value of the item, then the winner was someone who incorrectly overestimated the value and is paying more than they should. In that context, a rule of thumb for never being the top or bottom payer makes sense and the HR officer was correct. Except there is a significant failure mode in that. The winner's curse only exists if the average estimate is an accurate reflection of the true value. For a huge number of reasons that are probably obvious to people here, for employee wages, it's entirely possible that the pay wage is a pessimistic reflection of the true value of the worker. And if all bidders are systemically bidding under the true value, the winner won't be cursed. They'll actually be doing the best, because they'll still be underpaying its true value: they'll have a positive net gain, while the competitors gain nothing. That is, the higher payer will get the best workers and still be paying less than their value. What companies should be doing is not assuming the average wage is an accurate estimate. They should actually look at what production they expect to get from a worker and estimate what their value is from there.

Looking again, I think I must have made a mistake before. I think I was looking at the single income limit. Going by what I'm reading, I can contribute $5500 a year to one. So that at least seems like the obvious next thing to do. I think I'll probably still want to do something more on top of that. Money sitting in a checking account beyond what you could reasonably need immediately just seems stupid

Thanks. Yes, you are correct. I meant ROTH. I'll have to double check. Last time I checked the limit seemed lower, because I bring in the sole income between my wife me, but I'm not making that much. So maybe I made a mistake when looking at it. I remember seeing that you would get diminishing amounts you could invest and while I could invest some, not much, and I'd have to do a bit more managing of it to make sure I did it right. Yeah, I know the 401K isn't great for that reason, but the tax free on entry on entry is better than nothing at all. I would prefer ROTH IRA if I can.

Unfortunately, they do not. But it at least has some tax benefit. IRA would be preferable, but I can't make as much use of that from my income limit is my understanding.

Even though I saw all 4 in the overview, cycling through them enlarged one by one is the funniest shit ever when you get to Trump. Wanker is such a good description.

I'll add one other thing bothers me. I don't think it's a spoiler and it starts pretty early on, but I'll mark it anyway.

We shall see! I do plan to finish it.

I remember liking Season 1 more. This one seems a bit too slowly paced. For example, too many "music video" moments where they are just doing a montage while they have some band in the club play.

I'm maxing out my 401k and killed all debt at the start of this year. I took a bit of a hit to do that, but now I'm reaching a point where I have enough in my checking account that I should start saving it better rather than letting it all sit there. I'm also weighing what to do against the fact that I'm probably going to have to get a new car this year or next, which means I need enough fluidity + buffer to be comfortable doing that. Savings accounts seem like mostly garbage to me when I look at them. Getting a portfolio seems like a reasonable decision, but in these strange times, I'm a little hesitant about putting my money in stocks, even a well distributed portfolio. One option is to do a dividend based portfolio which is a little more stable, but maybe less chance for increased funds. Any thoughts on that? Those of you may remember I've asked a similar question before. But since I'm now past the point of taking care of the obvious (maxing 401K and clearing all debt), and because the market may be behaving a bit differently now, I thought I'd ping people again. Especially since I can no longer revisit that earlier thread I remember people had mentioned IRAs, although I think I can't take full advantage of that because I'm pretty close to the income line for a two person household. I also did buy the Random Walk Down Wall Street book on advice from this board before. I haven't read all of it, but it's been a good read. Still though, I'd benefit from other thoughts.

I'm through the first 4 episodes. It's okay, but isn't hitting strong for me.

I mean, it's not even remotely surprising. He didn't do this in hiding. He outright requested it in front of everyone. But the public doesn't care.

I have considered this possibility, but like @mclumber1, my experience is that my bank is over cautious and pretty good. Might not hurt to have an extra layer, but I have to weigh that against making sure another bill is paid off on time My impression is that card security in general is getting better too though.

Nice. Although I didn't have any credit debt, my wife had some (about 5K) that was also just lingering from old stuff rather than current use as well. Once I moved out of working in academia it was one of the first things to go Was so nice to get rid of it. I think you'll similarly feel great once it's gone. The next thing to go was all my student loan debt, which was not as bad as some people, but absolutely a burden. Got rid of that the beginning of this year and we're completely 100% debt free now. Was such a huge relief. Now I just worry about making sure I'm saving enough for the future and how to catch up at those savings

I don't use a credit card at all. I had one a long time ago and rarely used it. Other than missing out on "points" and carrying you if you don't have the cash for something immediately needed, what is the reason for using one?

I don't know if that's thinking they're suckers, it might be overestimating them. Unless the democrat was in fact worse than the opposition in the eyes of a democrat, then democrats should vote no matter what for the democrat. Given the state of the GOP, it's hard to imagine that a democrat would find the opposition to a democratic candidate preferable. Choosing to abstain from voting to make a "point" is very rarely an optimal long-term strategy, if ever.