Cities? Money. HOAs are designed to keep the poors out, and by poors they mean other colored people.

It does matter. It matters to those of us that care. It matters to know what side people are on.

The democrats are aware that their names are on the list and they’re the only ones that will be held accountable for it. The republicans will hold witch burnings while completely ignoring their own member’s names on the list.

Beat me to it. Thanks for posting it!

Right? Not everything has to be the worst of 4chan, Ogrish, or Xitter.

4 with ambivalence. One parent was no good. The other was good but didn’t defend us much.

The biggest crime in AAA games is the tools paying top dollar for preorders and early access to games that have beta-level problems with gameplay.

Wait three or more months, they almost always go on sale and have had a patch or two. More playable, save $.

I didn’t write this comment for investing at your level. This is investing for people who want to have a retirement and aren’t interested in stock investing as a job, because to correctly monitor markets and companies and successfully pick winners requires education and a time investment. I’ve done my fair share of picking winners out of companies that become movers, but I don’t have the risk tolerance for that anymore and this forum isn’t the place to teach people all of that. Because something works and requires minimum effort doesn’t make it rudimentary, that’s completely unfair, derogatory, and insinuates people should try more risky strategies. You completely missed the audience I wrote the comment for. Anyone at your skill and risk level doesn’t need this advice. The equivalent of me suggesting one buy a reliable Honda and here you jump in suggesting a Maserati. Not the same crowd.

There’s no reason you can’t do both. This country had proven time and a gain it will put rich people first, the rich get rich because investments and holdings in stocks, so taking advantage of the shitty situation is fair game.

Ah, sorry didn’t see the name change. No, that was never my intent. Diversification is a must.

I’m not continuing this discussion to change your mind. If you’re happy with what you’ve got you’ve no need to listen to me. Big consumer investment houses are there to make money off you. Everything you listed is exactly what I mentioned as being a reduction in your ROI and incurring fees and taxes. For instance, we’ve invested in QQQ (feel free to check it) for more than a decade using the strategy I mentioned first. Even over the last 5 years it’s had 110% return. $10k is now more than $20k without bothering to calculate DCA or returns investing. Now do that across more index funds. Even if averages 7% with gains/losses and no fees or capital gains you can see that this comes out far ahead.

All that said, good luck.

IRAs are tied to stocks.

There’s no way to “avoid the stock market entirely” using this. Yes, you should balance how you want your tax burden to look in the future by deciding how you wish to invest in Roth or regular IRA. IRAs are also limited to how much you can contribute, whereas traditional stock investment does not.

I don’t want to get too deep in the weeds here for investing strategy. There’s pros, cons, and costs to each of these kinds of investment. People have to look at all of these, their personal capabilities, and risk tolerance. Personally, we’re (another key word here:) diversified across multiple investments and someone absolutely should take advantage of the same if they can.

Actually just avoid the stock market entirely and pay someone else to manage your money.

This doesn’t make sense?

If someone is “managing” your money, they’re managing stocks and/or investments tied to stocks, even if it’s something like a direct deposit to a CMA.

High interest savings is pretty decent if you can find the right one, it’s a no-effort way to collect interest. Just make sure you can afford the bank’s rules like minimum amounts or any fees.

As far as someone else managing your money you left out a lot. Who and how? Money managers take fees one way or the other, they trade your money around based on whatever works for the business and not always what is best for the client. No matter what any trades will incur trade fees and capital gains taxes. Those gains and fees are losses that could have been avoided. I’ll stand by my original opinion.

Index funds. Avoid individual stocks. Don’t try to time the market, in or out. DCA. Don’t touch the money. Don’t touch the money. Don’t touch the money.

Pretty much all you need to know right there - assuming the market continues in some fashion we’re accustomed to.

Everything will be Boaty McBoatface.

So finally they’ve figured out that “privatization” is a shitty idea. Not only does it introduce another point of failure in logistics and operations, but the private sector doesn’t mind trying to make every contract on they can retire off of using taxpayer money.

And maybe bring them back with a good assortment of PC parts, too.

Did you even bother to read what I wrote instead of reiterating points I already made?

Because compared to America everyone else’s “shit” is 10x better than our “none at all”.

You completely ignored the “permanent lifestyle change” aspect. It doesn’t matter whether the person in need of weight loss does it via diet and exercise or via diet and ozempic, the diet/lifestyle that they got themselves fat on has to change.

You’re basically blaming the drug for the person’s inability to psychologically deal with diet. That isn’t what the drug does. No, you don’t need to eat back to your old weight, that’s the part where permanent change to diet comes in.

I already stated a caveat for conditions that may be outside the user’s control, so don’t use that as an excuse for all users. Yet again, the doctor and patient have to discuss the risks. I’m done here.