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Forum » Official R/P Chat Thread Version 5.0 - All your jimmies are belong to us...
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Thread: Official R/P Chat Thread Version 5.0 - All your jimmies are belong to us... NSFW

post 1650724453 11-12-2021, 10:06 PM
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#5161
  1. BigDeeps01
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Originally Posted By Tha
lol this is some of the worst financial advice i've ever read. You sound like you spend way too much time on r/wallstreetbets

You don'tneeda "high income", whatever the phuck that even means. Create a plan to set aside as much as you can every paycheck, and make to rule to either stick to a minimum amount or exceed it every month. Invest. Wait.
His ask was this

" my motivation is to have a significant chunk of savings work positively for me and generate a further source of income"

He has 20k to set aside. He's not going to generate income from 20k

I don't even know why I'm talking to a non-millionaire about this though lol, having a high income is absolutely necessary, or an absolute frugal lifestyle that allows a decent savings rate even with a low income. This is if you want to actually build enough wealth to work for you
post 1650734053 11-13-2021, 05:19 AM
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#5162
  1. Tha big kahoona
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Originally Posted By BigDeeps01⏩
His ask was this

" my motivation is to have a significant chunk of savings work positively for me and generate a further source of income"

He has 20k to set aside. He's not going to generate income from 20k

I don't even know why I'm talking to a non-millionaire about this though lol, having a high income is absolutely necessary, or an absolute frugal lifestyle that allows a decent savings rate even with a low income. This is if you want to actually build enough wealth to work for you
I'm pretty sure he meant eventually, and with further investment over time
"Never attribute to malice that which can be adequately explained by stupidity"

Atheist Lebanese

BDS: Boycott - Divestment - Sanctions
post 1650734363 11-13-2021, 05:40 AM
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#5163
  1. gachase21
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Originally Posted By BigDeeps01⏩
I don't even know why I'm talking to a non-millionaire about this though lol
Well then….
post 1650734533 11-13-2021, 05:49 AM
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#5164
  1. gachase21
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As far as Bodhy’s post - or whoever is currently playing that character for now

We would need more info about your age and stage in life right now - as well as goals , shirt term, long term , mid term from the little I can tell - you seem to still be in the investing in yourself phase, which would be a different set of advice - education, networking , establishing foundation , being flexible , etc



That being said - here is the old post I’d normally start with - But you aren’t in US so it would be a bit different for you.


Old related post for "normally what do"
Originally Posted By gachase21⏩
For the kids ITT wondering “wut do?”

I’ll pretty much sill stick with my 2013 post
Originally Posted By gachase21⏩
I'm going to make this list based on the assumption you will get kids and a wife at some point

FIRST OF ALL- PLAN YOUR MONTHLY BUDGET, AND LIVE BY IT(20% LESS THAN YOUR BRING HOME MONTHLY INCOME)

Then follow these steps, do not proceed to the next step until the previous step is complete

1. Acquire life insurance- 20 yrs or longer-term(not the whole life crap) you want it to last long enough until your youngest is 18, so if you don't have kids yet, maybe get a 30yr term now. You want to get it while your younger and health

2. Acquire long term disability insurance. This one is debatable, I personally would get it.

3. Save an emergency fund- enough liquidity for you to go 6 months without working if something happens

4. eliminate all debt(except in some cases home mortgage)- math will tell you some debt is ok, whatever- buy it or do without

5. start a Roth IRA or regular IRA depending on what you qualify for. If you qualify for a Roth, do it, once you make enough money, you will no longer qualify for it. Save 15% towards retirement

6. If you are living by the above budget(20% less than monthly bring home) you should start acquiring excess money monthly to either buy a house with or invest more aggressively. This is also the money you can start your own business with.

Since you are still single, you have the opportunity to be smart about your pick for a spouse. You can find someone you love of course, but there are plenty to choose from that are also financially conservative, and make money. Get their credit report before you get serious. I know love is love, but there are millions to choose from that keep their money in order.
Now I’d add if you have an employer matching 401(k) contributions do that first


If you aren’t market savvy stick with index fund etf’s

For the ira, I’d go with the above or a targeted retirement fund such as vanguard’s

https://investor.vanguard.com/mutual...-retirement/#/



As far as timing goes stick with dollar-cost averaging and disregard these swings.



Also never mix political beliefs with investing.
Also disregarded all the currency and economic doomsayer's here
post 1650737943 11-13-2021, 08:00 AM
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#5165
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Originally Posted By Tha
I'm pretty sure he meant eventually, and with further investment over time
That’s not how the post read to me, but I’ll let him clarify

But having a high income is still very important. If you can get your living expenses down to for example 30k a year or whatever is reasonably attainable by you in your situation, and then you make 300k vice 70k, you’re obviously going to get where you want to be quicker
post 1650743403 11-13-2021, 10:05 AM
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#5166
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How to grow your investment income.

Step 1: Be a millionaire...
Heterologously Vaccinated Superior Race Crew

Kurt Russell, Ray Winstone, Mickey Rourke Crew

"The dominant economic order rests on unofficial dependency and official individualism. Survival requires the transposition of these two ideas: official solidarity and unofficial individualism."
post 1650747073 11-13-2021, 11:09 AM
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#5167
  1. Tha big kahoona
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Originally Posted By BigDeeps01⏩
That’s not how the post read to me, but I’ll let him clarify

But having a high income is still very important. If you can get your living expenses down to for example 30k a year or whatever is reasonably attainable by you in your situation, and then you make 300k vice 70k, you’re obviously going to get where you want to be quicker
It's obviously helpful, but having an average (or below even) salary shouldn't discourage anyone from investing.

Btw, this isn't the 80s. Being a millionaire doesn't exempt you from peasant status
"Never attribute to malice that which can be adequately explained by stupidity"

Atheist Lebanese

BDS: Boycott - Divestment - Sanctions
post 1650749363 11-13-2021, 11:46 AM
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#5168
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Originally Posted By Tha
Btw, this isn't the 80s. Being a millionaire doesn't exempt you from peasant status
To be fair, that was just step 1.
post 1650796453 11-14-2021, 10:59 AM
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#5169
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Originally Posted By gachase21⏩
As far as Bodhy’s post - or whoever is currently playing that character for now

We would need more info about your age and stage in life right now - as well as goals , shirt term, long term , mid term from the little I can tell - you seem to still be in the investing in yourself phase, which would be a different set of advice - education, networking , establishing foundation , being flexible , etc



That being said - here is the old post I’d normally start with - But you aren’t in US so it would be a bit different for you.


Old related post for "normally what do"




Also disregarded all the currency and economic doomsayer's here
Minor addendum to your post

You’ll never not qualify for a Roth IRA due to income

If you are at the income limit, put it in a non deductible traditional ira and immediately convert it to a Roth (also called the backdoor Roth). With Fidelity’s website it’s only like 2 extra clicks

The build back better bill plans to remove this, along with another version called the “mega backdoor Roth”

I’ve got a thread on this section about its removal
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1650796623 11-14-2021, 11:02 AM
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#5170
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Originally Posted By Tha
It's obviously helpful, but having an average (or below even) salary shouldn't discourage anyone from investing.

Btw, this isn't the 80s. Being a millionaire doesn't exempt you from peasant status
Yeah the only thing that matters is your savings rate, absolute magnitude of your income doesn’t directly matter

Having a higher income makes it easier to have a higher savings rate, though

See this for an explanation:
https://www.mrmoneymustache.com/2012...ly-retirement/
Best lifts:
Bench press: 315x5
Squat: 465x1
Strict press: 205x5
Deadlift: 405x13 (conv tap'n'go with straps)
post 1650810233 11-14-2021, 03:07 PM
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#5171
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I’m struggling with my soon to be empty next reality.

I’m thinking instead of having a sizable house….

-small house central located- still enough rooms to house potential grandkid visit
-cabin in the mountains, or lake house.
-beach house



Either let family use when I’m not at them or Airbnb beach house some
post 1650810793 11-14-2021, 03:16 PM
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#5172
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Originally Posted By gachase21⏩
To be fair, that was just step 1.
True
post 1650810893 11-14-2021, 03:18 PM
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#5173
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Originally Posted By SaviorSelfJT⏩
Yeah the only thing that matters is your savings rate, absolute magnitude of your income doesn’t directly matter

Having a higher income makes it easier to have a higher savings rate, though

See this for an explanation:
https://www.mrmoneymustache.com/2012...ly-retirement/
You are right but for example good luck having a good savings rate making 45k a year
post 1651139923 11-19-2021, 05:23 PM
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#5174
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Originally Posted By metroins⏩
Started going to the gym a few weeks back. Two days ago I was going to bed and my elbow area hurt, I started feeling around and felt a lump/mass at the area circled below. I made an appointment with my PCP the next day, she ordered an ultrasound, got the results today, they are in the spoiler. PCP says she doesn't know what it is and I am making an appointment with a surgeon; I tried today, but they were closed at 12:30.

I think it's a hematoma, but I'm not super happy to have a mass on my body and I'm having awful body luck the past few years.

Why am I posting here? Honestly, just trying to put my thoughts out there somewhere because I'm hoping it isn't cancer and posting here has no impact in real life.



Spoiler!


You'll be right mate, no need to think of the most extreme outcome. These things are usually nothing of concern. Maybe one of your nuts escaped? Have you checked your sack? Anyway, keep us posted.
Still Cuckin On Four Fours, Wrapped In Four Voes
post 1651140783 11-19-2021, 05:39 PM
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#5175
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Originally Posted By metroins⏩
Started going to the gym a few weeks back. Two days ago I was going to bed and my elbow area hurt, I started feeling around and felt a lump/mass at the area circled below. I made an appointment with my PCP the next day, she ordered an ultrasound, got the results today, they are in the spoiler. PCP says she doesn't know what it is and I am making an appointment with a surgeon; I tried today, but they were closed at 12:30.

I think it's a hematoma, but I'm not super happy to have a mass on my body and I'm having awful body luck the past few years.

Why am I posting here? Honestly, just trying to put my thoughts out there somewhere because I'm hoping it isn't cancer and posting here has no impact in real life.



Spoiler!


I hope things turn out OK. Try not to overthink it and focus on a disaster outcome.

Just take the next step and get more information.

Beyond that, just keep yourself busy and don't ruminate.
post 1651339263 11-23-2021, 05:25 AM
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#5176
  1. Tha big kahoona
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Originally Posted By metroins⏩
Started going to the gym a few weeks back. Two days ago I was going to bed and my elbow area hurt, I started feeling around and felt a lump/mass at the area circled below. I made an appointment with my PCP the next day, she ordered an ultrasound, got the results today, they are in the spoiler. PCP says she doesn't know what it is and I am making an appointment with a surgeon; I tried today, but they were closed at 12:30.

I think it's a hematoma, but I'm not super happy to have a mass on my body and I'm having awful body luck the past few years.

Why am I posting here? Honestly, just trying to put my thoughts out there somewhere because I'm hoping it isn't cancer and posting here has no impact in real life.



Spoiler!


Well that sucks. I think this happening a few weeks after going to the gym means it's likely just hematoma. So i hope it turns out the case and you can power through it at the gym
"Never attribute to malice that which can be adequately explained by stupidity"

Atheist Lebanese

BDS: Boycott - Divestment - Sanctions
post 1651352373 11-23-2021, 10:17 AM
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#5177
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So Nancy Pelosi just bought a house in Florida, I thought CA was the place to be and De Santis was doing such a poor job running Florida, why buy a house in Florida?

post 1651363783 11-23-2021, 01:21 PM
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#5178
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Thank you for the kind words. I met with a surgeon today; he was prepared to do surgery this week until I mentioned I have slight neuropathy (numb/tingling) in my pinky finger. He thought about it and decided to order an MRI to make sure it's not on my ulnar nerve. If it is on my ulnar he wants to refer me to an elbow specialist surgeon because if you mess up around there you can be permanently injured.

He pretty much said "I don't know what it is, it is complex" it could be a"nerve sheath tumor"or from "trauma". When I pressed about sarcoma (cancer), he said he doesn't think it is but he wouldn't know until the biopsy. There are many types of nerve sheath tumors, he mentioned Schwannoma but it's not worth guessing until it is taken out.

In case anybody is interested, I put the ultrasound images in the spoiler because I think it's interesting....lighter in color is good. Darker colors could mean fluid or a mass. cancers are typically darker.

Spoiler!









The images show it's in my fat pocket at my elbow, like where you bend your elbow. I'm 238lbs right now, my ideal weight is around 215-220 for 6'5. The black thing on the left of the ultrasound is an artery.

I overall feel better now but want this out of my body.
Life is easy when you take personal responsibility
MMMC - Assistant to the Assistant of the Secretary of Assistance

I don't do limits.
post 1651385923 11-23-2021, 07:07 PM
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#5179
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Originally Posted By metroins⏩
Thank you for the kind words. I met with a surgeon today; he was prepared to do surgery this week until I mentionedI have slight neuropathy (numb/tingling) in my pinky finger. He thought about it and decided to order an MRI to make sure it's not on my ulnar nerve. If it is on my ulnar he wants to refer me to an elbow specialist surgeon because if you mess up around there you can be permanently injured.

He pretty much said "I don't know what it is, it is complex" it could be a"nerve sheath tumor"or from "trauma". When I pressed about sarcoma (cancer), he said he doesn't think it is but he wouldn't know until the biopsy. There are many types of nerve sheath tumors, he mentioned Schwannoma but it's not worth guessing until it is taken out.

In case anybody is interested, I put the ultrasound images in the spoiler because I think it's interesting....lighter in color is good. Darker colors could mean fluid or a mass. cancers are typically darker.

Spoiler!









The images show it's in my fat pocket at my elbow, like where you bend your elbow. I'm 238lbs right now, my ideal weight is around 215-220 for 6'5. The black thing on the left of the ultrasound is an artery.

I overall feel better now but want this out of my body.
I had this issue recently. It can be very tricky, apparently. I did all the tests and the specialists told me not to lift for 6 months. But neither of them lift so I just made my own plan, adjusted training, lifestyle etc. Tingling is completely gone now and I didn't skip a single training session.
Still Cuckin On Four Fours, Wrapped In Four Voes
post 1651607033 11-27-2021, 07:44 PM
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#5180
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This is my new favorite copypasta. I've even been sending it to friends of mine who are doctors and scientists and they're ****ing baffled.
Flu vaccine creates antibodies for the virus, without much risk, and your body can then fight it naturally if you get it. COVID vaccine mirrors the COVID virus by spiking protein, same as the virus itself. Your body isn't immune to the virus, it's simply recognizing the spike in protein and reacting. You still haven't built antibodies for it though. You have just conditioned your body to fight it faster by recognizing it. Then the body forgets, and you have to keep reminding it over and over forever. Your immune system never gets stronger from this. In fact, if I were to guess, I would say it weakens each and every time you get a booster without having gotten the virus.

At least, that's my take. How does this translate to immunity? If you want your immune system to get stronger to fight future corona viruses, you need to get COVID or they need to create an inactive form of it. This is why people are getting sicker and sicker from corona viruses, AKA, the cold, because they are damaging their bodies over and over again in the name of fighting off the actual virus. Spiking this protein repeatedly is bound to be harmful, because, after all, that's how COVID kills you.
Heterologously Vaccinated Superior Race Crew

Kurt Russell, Ray Winstone, Mickey Rourke Crew

"The dominant economic order rests on unofficial dependency and official individualism. Survival requires the transposition of these two ideas: official solidarity and unofficial individualism."
post 1651710903 11-29-2021, 07:35 PM
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#5181
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I am glad you get to keep your elbow. Congratulations on your second pregnancy.
Heterologously Vaccinated Superior Race Crew

Kurt Russell, Ray Winstone, Mickey Rourke Crew

"The dominant economic order rests on unofficial dependency and official individualism. Survival requires the transposition of these two ideas: official solidarity and unofficial individualism."
post 1651712653 11-29-2021, 08:18 PM
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#5182
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post 1651714123 11-29-2021, 08:54 PM
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Congrats Metroins!
post 1651989523 12-04-2021, 08:02 PM
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That game was brutal.

Can’t lie- it’s gonna hurt for years.
post 1652050313 12-05-2021, 11:16 PM
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#5185
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Originally Posted By gachase21⏩
Yeah, this is all over my FB feed too. It's a fine example of why I can't stand bastardized pop science. These aren't robots, they're geneticallyun-modified living cells taken from an embryo. Calling them 'robots' is sensationalist, linguistic sleight of hand which leads to erroneous pop-culture concepts like 'artificial consciousness'.

I've spent an entire thesis (two if you count my masters) arguing that cognition and agency are strictly organic phenomena, so there is no artificial consciousness, artificial cognition, artificial spirit and there never will be. Critical thinking can get lost in a jungle of semantics and sensationalism, and also, most scientists who seek media attention aren't good philosophers.
Back off, Warchild.

Seriously.
post 1652174683 12-08-2021, 06:43 AM
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#5186
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***** just officially moved to a 4.5 day working week. Let's see how this goes
"Never attribute to malice that which can be adequately explained by stupidity"

Atheist Lebanese

BDS: Boycott - Divestment - Sanctions
post 1652218813 12-08-2021, 09:06 PM
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I thought most moderators had abandoned misc, but then earlier today a six page long thread about a Fauci quote got deleted after it became bogged down with antisemitism and wishes against Fauci's life.
Heterologously Vaccinated Superior Race Crew

Kurt Russell, Ray Winstone, Mickey Rourke Crew

"The dominant economic order rests on unofficial dependency and official individualism. Survival requires the transposition of these two ideas: official solidarity and unofficial individualism."
post 1652224723 12-08-2021, 11:56 PM
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#5188
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Originally Posted By StoliFun⏩
This is my new favorite copypasta. I've even been sending it to friends of mine who are doctors and scientists and they're ****ing baffled.
Very good pasta.

This is why since day 1, I have been saying I would avoid this mRNA vaccine and only get the traditional vaccine, with the irradiated inactive real whole virus.

They legit turned the worlds population into guinea pigs for mRNA. A method that had seen 0% success rate before COVID.
Ave Christus Rex

Toxic Masculinity crew.
Pureblood crew.
Wholesome crew.
post 1652225373 12-09-2021, 12:37 AM
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The mRNA vaccines are more potent and effective, safer, and much more minimalist in composition than traditional attenuated virus vaccines. There is every reason to get it.
Back off, Warchild.

Seriously.
post 1652229213 12-09-2021, 05:03 AM
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#5190
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Originally Posted By CalmWind⏩
Very good pasta.

This is why since day 1, I have been saying I would avoid this mRNA vaccine and only get the traditional vaccine, with the irradiated inactive real whole virus.

They legit turned the worlds population into guinea pigs for mRNA. A method that had seen 0% success rate before COVID.
**** this place.
Heterologously Vaccinated Superior Race Crew

Kurt Russell, Ray Winstone, Mickey Rourke Crew

"The dominant economic order rests on unofficial dependency and official individualism. Survival requires the transposition of these two ideas: official solidarity and unofficial individualism."
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