• 4 Posts
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Joined 1 year ago
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Cake day: August 26th, 2023

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  • Invest in index funds. They are self- cleaning…IOW when a stock stops performing it is removed from the fund and replaced by a better performer.

    Use a brokerage that is low fee. Fees steal your money.

    Do NOT let someone manage your money that moves stocks around for fees.

    Use Dollar cost averaging . Even if the market is down, keep adding regularly. Which is tied to…

    Don’t time the market. You can’t win.

    Don’t touch it. Don’t touch your money. Don’t incur fees and capital gains taxes. You will lose. Leave it alone.

    I am up 8% average yearly over the lifetime of my fund including all the downturns, it has been stellar this year well over 12%. Is this a “get rich quick” way of doing things? Is it exciting? No. Not at all. But it works.

    Investing (NOT TRADING) is EasyHard, because it’s really easy to do, but really hard not to mess with and screw it up.






  • What exactly are the “material conditions leading to gun crime”? I mean, if it’s poverty and education you’re thinking of the very same segment of the country that is pro-gun are pretty much the same ones that will refuse to expand government services or controls to provide access to improving these situations.

    The reason we have so much gun crime is because we have so many guns and so few controls on them. Why do other countries thar have lots of guns have less gun crime? Because they control the shit out of them. They actually make gun owners responsible for their guns. Unlike the US, for instance, where ~70% of guns used in crimes are stolen or taken without the owner’s consent. How could this be? Because guns are uncontrolled toys left under vehicle seats, in gloveboxes, in door pockets, on the kitchen counter, in bedside table drawers…unsecured for everything from little Johnny to shoot little Susie or the gas station clerk to get a gun pointed at her and told to give up the cash. Someone’s guns get stolen? They get pissed at the violation, shrug, make an insurance claim, buy more, and their handgun gets used in a school drive-by shooting. Not their problem. Just more guns on the street. That’s the problem with gun crime. Guns are everywhere and relatively easy to get.

    We’re just barely seeing the beginnings of people being charged with their guns being used in crimes with the parents of shooters bought them guns despite clear warnings. This can’t happen hard or fast enough IMO. Gun owners constantly pay lip service to responsible gun ownership but they’re the most resistant to any actual responsibility about them.









  • This is the truth. Both sets of parents have dumped stuff on us often enough that we’ve had to put our collective foot down and refuse most items. Gone are the days were there might be just a few real nice items people wanted to keep, now it’s collections of Precious Moments figurines or similar that nobody wants.

    It’s really hard to get rid of stuff that is still good and useful. You can barely literally give it away. I hate waste, so just dumping whatever it is in the trash is an absolute last resort. Places you would think that would take stuff are also overwhelmed and won’t take a ton of different things. Salvation Army, Goodwill…all of them have gotten picky and will refuse things even if new on occasion.

    It’s really given me a deep revulsion for “stuff”. If something comes into our house it has to have a real purpose, or if it’s replacing something, the old thing must go ASAP.