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On August 11 2016 03:36 IgnE wrote:Show nested quote +On August 11 2016 01:22 KwarK wrote:On August 11 2016 01:07 Plansix wrote:
so do call me an idiot when I’m considering crushing my 401K or begging relatives for loans.
Thanks, I will. A 401k isn't a secret cash reserve, it's something you bought because you need it and you still need it. That need has not gone. Using it isn't putting out a fire, it's setting fire to something bigger and leaving tomorrow Plansix to worry about that. Go without the well pump until you have the $10k, a gym membership gets you free and regular access to showers, tap water is available pretty much everywhere, laundromats exist etc. $10k taken from a 401k at age 30 is $107,000 from your retirement. Medical expenses, well, if it was going to literally stop you making it to retirement, arguable I guess. Otherwise work out what payment options they have for you, you won't be the first person who can't afford to pay $30k of medical bills in cash. Car? The entire industry pretty much exists just to let you get any car in existence with no money down. You can get a beater easily enough for the short term.You're not above making mistakes and you're certainly not above being judged for them. People who cash out their 401ks with plans to pay it back when things are better typically never pay it back and even if they do, they can't get back that lost time, especially if they cashed it out in 2008 etc. This is how otherwise smart people fuck themselves over. So drop this "only God can judge me" shit, I'm not divine but I can certainly call you an idiot if you do something idiotic. I know you're smart, you know you're smart, but that doesn't mean that anything you do must be smart simply by virtue of you doing it. You're not above fucking yourself over. Are you fucking kidding me dude? Live without water in your home until you save $10k? If you are at median income do you know how long that takes? You are so disconnected.
While he does have a point, that made me scratch my head too. That's really disconnected from reality, and certainly actually not as cheap as he makes it sound. Constantly using the laundromat, driving to a gym to pay the fees for showering, buying bottled water to do the most basic tasks (try shitting without being able to flush, then again, i assume you can use the buckets that you filled with the hole in the roof.....) etc - depending on how much you can put away each week/month, you're 15k out of pocket for something that was 10k. Or in case of the roof, you turned your 10k leak into a 150k disaster.
If one thing is clear, Kwark doesn't own property. That doesn't mean his "advice" generally is wrong, it isn't - but in regards to Plansixs example, completely pointless.
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United States42682 Posts
On August 11 2016 03:36 IgnE wrote:Show nested quote +On August 11 2016 01:22 KwarK wrote:On August 11 2016 01:07 Plansix wrote:
so do call me an idiot when I’m considering crushing my 401K or begging relatives for loans.
Thanks, I will. A 401k isn't a secret cash reserve, it's something you bought because you need it and you still need it. That need has not gone. Using it isn't putting out a fire, it's setting fire to something bigger and leaving tomorrow Plansix to worry about that. Go without the well pump until you have the $10k, a gym membership gets you free and regular access to showers, tap water is available pretty much everywhere, laundromats exist etc. $10k taken from a 401k at age 30 is $107,000 from your retirement. Medical expenses, well, if it was going to literally stop you making it to retirement, arguable I guess. Otherwise work out what payment options they have for you, you won't be the first person who can't afford to pay $30k of medical bills in cash. Car? The entire industry pretty much exists just to let you get any car in existence with no money down. You can get a beater easily enough for the short term.You're not above making mistakes and you're certainly not above being judged for them. People who cash out their 401ks with plans to pay it back when things are better typically never pay it back and even if they do, they can't get back that lost time, especially if they cashed it out in 2008 etc. This is how otherwise smart people fuck themselves over. So drop this "only God can judge me" shit, I'm not divine but I can certainly call you an idiot if you do something idiotic. I know you're smart, you know you're smart, but that doesn't mean that anything you do must be smart simply by virtue of you doing it. You're not above fucking yourself over. Are you fucking kidding me dude? Live without water in your home until you save $10k? If you are at median income do you know how long that takes? You are so disconnected.
I'd personally advocate being able to afford a new well pump. But if you can't afford the water pump then yeah, live without water because, you know, you can't fucking afford the water pump. Like how are you not getting that if you can't afford it then you don't get to have it? Did your mother just always buy you candy at the checkout whenever you cried or something?
I'm not saying living without running water in a home is ideal, I'm saying that if you can't afford it then you work around it until you can. That's like the least controversial statement imaginable to me.
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On August 11 2016 03:47 KwarK wrote:Show nested quote +On August 11 2016 03:36 IgnE wrote:On August 11 2016 01:22 KwarK wrote:On August 11 2016 01:07 Plansix wrote:
so do call me an idiot when I’m considering crushing my 401K or begging relatives for loans.
Thanks, I will. A 401k isn't a secret cash reserve, it's something you bought because you need it and you still need it. That need has not gone. Using it isn't putting out a fire, it's setting fire to something bigger and leaving tomorrow Plansix to worry about that. Go without the well pump until you have the $10k, a gym membership gets you free and regular access to showers, tap water is available pretty much everywhere, laundromats exist etc. $10k taken from a 401k at age 30 is $107,000 from your retirement. Medical expenses, well, if it was going to literally stop you making it to retirement, arguable I guess. Otherwise work out what payment options they have for you, you won't be the first person who can't afford to pay $30k of medical bills in cash. Car? The entire industry pretty much exists just to let you get any car in existence with no money down. You can get a beater easily enough for the short term.You're not above making mistakes and you're certainly not above being judged for them. People who cash out their 401ks with plans to pay it back when things are better typically never pay it back and even if they do, they can't get back that lost time, especially if they cashed it out in 2008 etc. This is how otherwise smart people fuck themselves over. So drop this "only God can judge me" shit, I'm not divine but I can certainly call you an idiot if you do something idiotic. I know you're smart, you know you're smart, but that doesn't mean that anything you do must be smart simply by virtue of you doing it. You're not above fucking yourself over. Are you fucking kidding me dude? Live without water in your home until you save $10k? If you are at median income do you know how long that takes? You are so disconnected. I'd personally advocate being able to afford a new well pump. But if you can't afford the water pump then yeah, live without water because, you know, you can't fucking afford the water pump. Like how are you not getting that if you can't afford it then you don't get to have it? Did your mother just always buy you candy at the checkout whenever you cried or something? I'm not saying living without running water in a home is ideal, I'm saying that if you can't afford it then you work around it until you can. That's like the least controversial statement imaginable to me.
Kwark, do you own a house?
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On August 11 2016 03:46 m4ini wrote:Show nested quote +On August 11 2016 03:36 IgnE wrote:On August 11 2016 01:22 KwarK wrote:On August 11 2016 01:07 Plansix wrote:
so do call me an idiot when I’m considering crushing my 401K or begging relatives for loans.
Thanks, I will. A 401k isn't a secret cash reserve, it's something you bought because you need it and you still need it. That need has not gone. Using it isn't putting out a fire, it's setting fire to something bigger and leaving tomorrow Plansix to worry about that. Go without the well pump until you have the $10k, a gym membership gets you free and regular access to showers, tap water is available pretty much everywhere, laundromats exist etc. $10k taken from a 401k at age 30 is $107,000 from your retirement. Medical expenses, well, if it was going to literally stop you making it to retirement, arguable I guess. Otherwise work out what payment options they have for you, you won't be the first person who can't afford to pay $30k of medical bills in cash. Car? The entire industry pretty much exists just to let you get any car in existence with no money down. You can get a beater easily enough for the short term.You're not above making mistakes and you're certainly not above being judged for them. People who cash out their 401ks with plans to pay it back when things are better typically never pay it back and even if they do, they can't get back that lost time, especially if they cashed it out in 2008 etc. This is how otherwise smart people fuck themselves over. So drop this "only God can judge me" shit, I'm not divine but I can certainly call you an idiot if you do something idiotic. I know you're smart, you know you're smart, but that doesn't mean that anything you do must be smart simply by virtue of you doing it. You're not above fucking yourself over. Are you fucking kidding me dude? Live without water in your home until you save $10k? If you are at median income do you know how long that takes? You are so disconnected. While he does have a point, that made me scratch my head too. That's really disconnected from reality, and certainly actually not as cheap as he makes it sound. Constantly using the laundromat, driving to a gym to pay the fees for showering, buying bottled water to do the most basic tasks (try shitting without being able to flush, then again, i assume you can use the buckets that you filled with the hole in the roof.....) etc - depending on how much you can put away each week/month, you're 15k out of pocket for something that was 10k. Or in case of the roof, you turned your 10k leak into a 150k disaster. If one thing is clear, Kwark doesn't own property. That doesn't mean his "advice" generally is wrong, it isn't - but in regards to Plansixs example, completely pointless.
Obviously if your toilet is disconnected you don't fucking try to shit in it. I mean Jesus. Shit at work. I shit on company time anyway. I figured we could assume that you'd be shitting in working toilets, refilling water bottles etc without me explaining not to keep using the disconnected utilities.
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On August 11 2016 03:47 KwarK wrote:Show nested quote +On August 11 2016 03:36 IgnE wrote:On August 11 2016 01:22 KwarK wrote:On August 11 2016 01:07 Plansix wrote:
so do call me an idiot when I’m considering crushing my 401K or begging relatives for loans.
Thanks, I will. A 401k isn't a secret cash reserve, it's something you bought because you need it and you still need it. That need has not gone. Using it isn't putting out a fire, it's setting fire to something bigger and leaving tomorrow Plansix to worry about that. Go without the well pump until you have the $10k, a gym membership gets you free and regular access to showers, tap water is available pretty much everywhere, laundromats exist etc. $10k taken from a 401k at age 30 is $107,000 from your retirement. Medical expenses, well, if it was going to literally stop you making it to retirement, arguable I guess. Otherwise work out what payment options they have for you, you won't be the first person who can't afford to pay $30k of medical bills in cash. Car? The entire industry pretty much exists just to let you get any car in existence with no money down. You can get a beater easily enough for the short term.You're not above making mistakes and you're certainly not above being judged for them. People who cash out their 401ks with plans to pay it back when things are better typically never pay it back and even if they do, they can't get back that lost time, especially if they cashed it out in 2008 etc. This is how otherwise smart people fuck themselves over. So drop this "only God can judge me" shit, I'm not divine but I can certainly call you an idiot if you do something idiotic. I know you're smart, you know you're smart, but that doesn't mean that anything you do must be smart simply by virtue of you doing it. You're not above fucking yourself over. Are you fucking kidding me dude? Live without water in your home until you save $10k? If you are at median income do you know how long that takes? You are so disconnected. I'd personally advocate being able to afford a new well pump. But if you can't afford the water pump then yeah, live without water because, you know, you can't fucking afford the water pump. Like how are you not getting that if you can't afford it then you don't get to have it? Did your mother just always buy you candy at the checkout whenever you cried or something? I'm not saying living without running water in a home is ideal, I'm saying that if you can't afford it then you work around it until you can. That's like the least controversial statement imaginable to me.
Yeah, not controversial at all. There are the haves and the have nots, and if you are a have not you are supposed to spend decades of your life constantly working or exhausted by work until you can start to live more like one of the haves.
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United States42682 Posts
On August 11 2016 03:50 Plansix wrote:Show nested quote +On August 11 2016 03:47 KwarK wrote:On August 11 2016 03:36 IgnE wrote:On August 11 2016 01:22 KwarK wrote:On August 11 2016 01:07 Plansix wrote:
so do call me an idiot when I’m considering crushing my 401K or begging relatives for loans.
Thanks, I will. A 401k isn't a secret cash reserve, it's something you bought because you need it and you still need it. That need has not gone. Using it isn't putting out a fire, it's setting fire to something bigger and leaving tomorrow Plansix to worry about that. Go without the well pump until you have the $10k, a gym membership gets you free and regular access to showers, tap water is available pretty much everywhere, laundromats exist etc. $10k taken from a 401k at age 30 is $107,000 from your retirement. Medical expenses, well, if it was going to literally stop you making it to retirement, arguable I guess. Otherwise work out what payment options they have for you, you won't be the first person who can't afford to pay $30k of medical bills in cash. Car? The entire industry pretty much exists just to let you get any car in existence with no money down. You can get a beater easily enough for the short term.You're not above making mistakes and you're certainly not above being judged for them. People who cash out their 401ks with plans to pay it back when things are better typically never pay it back and even if they do, they can't get back that lost time, especially if they cashed it out in 2008 etc. This is how otherwise smart people fuck themselves over. So drop this "only God can judge me" shit, I'm not divine but I can certainly call you an idiot if you do something idiotic. I know you're smart, you know you're smart, but that doesn't mean that anything you do must be smart simply by virtue of you doing it. You're not above fucking yourself over. Are you fucking kidding me dude? Live without water in your home until you save $10k? If you are at median income do you know how long that takes? You are so disconnected. I'd personally advocate being able to afford a new well pump. But if you can't afford the water pump then yeah, live without water because, you know, you can't fucking afford the water pump. Like how are you not getting that if you can't afford it then you don't get to have it? Did your mother just always buy you candy at the checkout whenever you cried or something? I'm not saying living without running water in a home is ideal, I'm saying that if you can't afford it then you work around it until you can. That's like the least controversial statement imaginable to me. Kwark, do you own a house?
Nope, renting at the moment. Way too busy to deal with home ownership. But that difference between the rent cost and the mortgage cost, that's not for saving, that's for dealing with exactly this kind of bullshit. And that home equity you build up over time, again, this bullshit. This isn't a me issue, it's a budgeting issue.
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On August 11 2016 03:52 IgnE wrote:Show nested quote +On August 11 2016 03:47 KwarK wrote:On August 11 2016 03:36 IgnE wrote:On August 11 2016 01:22 KwarK wrote:On August 11 2016 01:07 Plansix wrote:
so do call me an idiot when I’m considering crushing my 401K or begging relatives for loans.
Thanks, I will. A 401k isn't a secret cash reserve, it's something you bought because you need it and you still need it. That need has not gone. Using it isn't putting out a fire, it's setting fire to something bigger and leaving tomorrow Plansix to worry about that. Go without the well pump until you have the $10k, a gym membership gets you free and regular access to showers, tap water is available pretty much everywhere, laundromats exist etc. $10k taken from a 401k at age 30 is $107,000 from your retirement. Medical expenses, well, if it was going to literally stop you making it to retirement, arguable I guess. Otherwise work out what payment options they have for you, you won't be the first person who can't afford to pay $30k of medical bills in cash. Car? The entire industry pretty much exists just to let you get any car in existence with no money down. You can get a beater easily enough for the short term.You're not above making mistakes and you're certainly not above being judged for them. People who cash out their 401ks with plans to pay it back when things are better typically never pay it back and even if they do, they can't get back that lost time, especially if they cashed it out in 2008 etc. This is how otherwise smart people fuck themselves over. So drop this "only God can judge me" shit, I'm not divine but I can certainly call you an idiot if you do something idiotic. I know you're smart, you know you're smart, but that doesn't mean that anything you do must be smart simply by virtue of you doing it. You're not above fucking yourself over. Are you fucking kidding me dude? Live without water in your home until you save $10k? If you are at median income do you know how long that takes? You are so disconnected. I'd personally advocate being able to afford a new well pump. But if you can't afford the water pump then yeah, live without water because, you know, you can't fucking afford the water pump. Like how are you not getting that if you can't afford it then you don't get to have it? Did your mother just always buy you candy at the checkout whenever you cried or something? I'm not saying living without running water in a home is ideal, I'm saying that if you can't afford it then you work around it until you can. That's like the least controversial statement imaginable to me. Yeah, not controversial at all. There are the haves and the have nots, and if you are a have not you are supposed to spend decades of your life constantly working or exhausted by work until you can start to live more like one of the haves.
He says while posting on the internet in the richest nation on earth about how hard it is to be, I guess, one of the have nots?
Look into stoicism and learn to be happy. You'll be happier for it. Literally.
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I'm pretty sure igne isn't commenting on his own behalf...
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On August 11 2016 03:52 KwarK wrote:Show nested quote +On August 11 2016 03:50 Plansix wrote:On August 11 2016 03:47 KwarK wrote:On August 11 2016 03:36 IgnE wrote:On August 11 2016 01:22 KwarK wrote:On August 11 2016 01:07 Plansix wrote:
so do call me an idiot when I’m considering crushing my 401K or begging relatives for loans.
Thanks, I will. A 401k isn't a secret cash reserve, it's something you bought because you need it and you still need it. That need has not gone. Using it isn't putting out a fire, it's setting fire to something bigger and leaving tomorrow Plansix to worry about that. Go without the well pump until you have the $10k, a gym membership gets you free and regular access to showers, tap water is available pretty much everywhere, laundromats exist etc. $10k taken from a 401k at age 30 is $107,000 from your retirement. Medical expenses, well, if it was going to literally stop you making it to retirement, arguable I guess. Otherwise work out what payment options they have for you, you won't be the first person who can't afford to pay $30k of medical bills in cash. Car? The entire industry pretty much exists just to let you get any car in existence with no money down. You can get a beater easily enough for the short term.You're not above making mistakes and you're certainly not above being judged for them. People who cash out their 401ks with plans to pay it back when things are better typically never pay it back and even if they do, they can't get back that lost time, especially if they cashed it out in 2008 etc. This is how otherwise smart people fuck themselves over. So drop this "only God can judge me" shit, I'm not divine but I can certainly call you an idiot if you do something idiotic. I know you're smart, you know you're smart, but that doesn't mean that anything you do must be smart simply by virtue of you doing it. You're not above fucking yourself over. Are you fucking kidding me dude? Live without water in your home until you save $10k? If you are at median income do you know how long that takes? You are so disconnected. I'd personally advocate being able to afford a new well pump. But if you can't afford the water pump then yeah, live without water because, you know, you can't fucking afford the water pump. Like how are you not getting that if you can't afford it then you don't get to have it? Did your mother just always buy you candy at the checkout whenever you cried or something? I'm not saying living without running water in a home is ideal, I'm saying that if you can't afford it then you work around it until you can. That's like the least controversial statement imaginable to me. Kwark, do you own a house? Nope, renting at the moment. Way too busy to deal with home ownership. But that difference between the rent cost and the mortgage cost, that's not for saving, that's for dealing with exactly this kind of bullshit. And that home equity you build up over time, again, this bullshit. This isn't a me issue, it's a budgeting issue.
Ok, from someone who assisted in the building of two homes and owns one, the things you are telling people to do rather than dip into their savings or whatever, are equally stupid. Having no running water at a house is not only unsafe, it can also get your habitability permit suspended in some states. You cannot live in a house without running water in my state. Same with a hole in the roof, which can destroy your homes value or create massive repair issues that will not be covered by home owners insurance. If you left a large hole in the roof for any extended period of time, you would need to declare that at the sale which could reduces the value of your home by a large amount. There are exactly 4 months in my state where you can have a house that is exposed to the elements and the of the temp dropping below freezing.
I get your point, but you re delving into areas where you are as poorly informed as I am when it comes to finance.
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United States42682 Posts
On August 11 2016 03:04 Deathstar wrote:
There's nothing wrong with working until you die. Working energizes people and makes them sharper and healthier. It gives you purpose. It gives you an opportunity to interact with people you normally wouldn't. Retirement is an idealized and unsustainable model from a booming time period and it shows because most boomers have an expectation of at least part time work.
Putting money away now that you won't see for another 30-40+ years is truly a sad thing to see. What a waste. Live your life and use your money while you have the vitality to enjoy it. You don't want to be that old guy that goes golfing every single day because he has nothing to do with his life and is just thinking of how to use the money he saved up before dying.
This is a textbook example of the kind of financial illiteracy I was talking about. Firstly we're way, way past working until we die. The factories that the 60s guys thought they'd be working in until they died, those have all been outsourced. Much of the intellectual labour that the 80s guys thought they'd be working in until they died is being automated away and a lot of what remains is also being outsourced. Human labour is no longer the scarcity, especially in the increasingly global economy. What matters is capital and ownership of the means of production. When you invest you are creating your own future position as an investor in a post-labour world. The assumption that your job will still exist is absurd. Retirement isn't unsustainable, it's employment that is unsustainable.
Secondly you're not simply hoarding gold under your floorboards. It's not putting money away, it's using money to make more.
Thirdly you're including any wise use of resources within that "it's a waste" umbrella. If you have the money to pay a mortgage off in 15 years and make extra payments, well, that's a waste, live your life and use that money while you have the vitality to use it. Funding education? Waste! Saving for your healthcare costs? Waste! Anything other than immediate and futile consumption goes down as waste by your argument.
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On August 11 2016 03:54 KwarK wrote:Show nested quote +On August 11 2016 03:52 IgnE wrote:On August 11 2016 03:47 KwarK wrote:On August 11 2016 03:36 IgnE wrote:On August 11 2016 01:22 KwarK wrote:On August 11 2016 01:07 Plansix wrote:
so do call me an idiot when I’m considering crushing my 401K or begging relatives for loans.
Thanks, I will. A 401k isn't a secret cash reserve, it's something you bought because you need it and you still need it. That need has not gone. Using it isn't putting out a fire, it's setting fire to something bigger and leaving tomorrow Plansix to worry about that. Go without the well pump until you have the $10k, a gym membership gets you free and regular access to showers, tap water is available pretty much everywhere, laundromats exist etc. $10k taken from a 401k at age 30 is $107,000 from your retirement. Medical expenses, well, if it was going to literally stop you making it to retirement, arguable I guess. Otherwise work out what payment options they have for you, you won't be the first person who can't afford to pay $30k of medical bills in cash. Car? The entire industry pretty much exists just to let you get any car in existence with no money down. You can get a beater easily enough for the short term.You're not above making mistakes and you're certainly not above being judged for them. People who cash out their 401ks with plans to pay it back when things are better typically never pay it back and even if they do, they can't get back that lost time, especially if they cashed it out in 2008 etc. This is how otherwise smart people fuck themselves over. So drop this "only God can judge me" shit, I'm not divine but I can certainly call you an idiot if you do something idiotic. I know you're smart, you know you're smart, but that doesn't mean that anything you do must be smart simply by virtue of you doing it. You're not above fucking yourself over. Are you fucking kidding me dude? Live without water in your home until you save $10k? If you are at median income do you know how long that takes? You are so disconnected. I'd personally advocate being able to afford a new well pump. But if you can't afford the water pump then yeah, live without water because, you know, you can't fucking afford the water pump. Like how are you not getting that if you can't afford it then you don't get to have it? Did your mother just always buy you candy at the checkout whenever you cried or something? I'm not saying living without running water in a home is ideal, I'm saying that if you can't afford it then you work around it until you can. That's like the least controversial statement imaginable to me. Yeah, not controversial at all. There are the haves and the have nots, and if you are a have not you are supposed to spend decades of your life constantly working or exhausted by work until you can start to live more like one of the haves. He says while posting on the internet in the richest nation on earth about how hard it is to be, I guess, one of the have nots? Look into stoicism and learn to be happy. You'll be happier for it. Literally.
Thanks Charles Koch. Should I get Atlas Shrugged while I'm at it? Even the "poor" have it easy in America. 97% here have refrigerators for god's sake.
On August 11 2016 04:02 KwarK wrote:Show nested quote +On August 11 2016 03:04 Deathstar wrote:
There's nothing wrong with working until you die. Working energizes people and makes them sharper and healthier. It gives you purpose. It gives you an opportunity to interact with people you normally wouldn't. Retirement is an idealized and unsustainable model from a booming time period and it shows because most boomers have an expectation of at least part time work.
Putting money away now that you won't see for another 30-40+ years is truly a sad thing to see. What a waste. Live your life and use your money while you have the vitality to enjoy it. You don't want to be that old guy that goes golfing every single day because he has nothing to do with his life and is just thinking of how to use the money he saved up before dying. This is a textbook example of the kind of financial illiteracy I was talking about. Firstly we're way, way past working until we die. The factories that the 60s guys thought they'd be working in until they died, those have all been outsourced. Much of the intellectual labour that the 80s guys thought they'd be working in until they died is being automated away and a lot of what remains is also being outsourced. Human labour is no longer the scarcity, especially in the increasingly global economy. What matters is capital and ownership of the means of production. When you invest you are creating your own future position as an investor in a post-labour world. The assumption that your job will still exist is absurd. Retirement isn't unsustainable, it's employment that is unsustainable. Secondly you're not simply hoarding gold under your floorboards. It's not putting money away, it's using money to make more. Thirdly you're including any wise use of resources within that "it's a waste" umbrella. If you have the money to pay a mortgage off in 15 years and make extra payments, well, that's a waste, live your life and use that money while you have the vitality to use it. Funding education? Waste! Saving for your healthcare costs? Waste! Anything other than immediate and futile consumption goes down as waste by your argument.
Ok here it is. This has been really good that you've come out of the closet. The revolution will be coming for you, Kwark the Tory.
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On August 11 2016 03:59 farvacola wrote:
I'm pretty sure igne isn't commenting on his own behalf...
The Marxists never are, you'll never see one with callused hands. It's generally why the working classes dislike them so much and why the Marxists in return resent the hell out of the working classes before oppressing them for their own good.
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Actually, my hands are extremely calloused and I'm pretty sure igne's are too 
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Kwark's point is very simple. You cannot spend money you do not have.
And your pension (in the form of a 401k), for all intents and purposes is money you do not have (right now).
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On August 11 2016 04:08 Gorsameth wrote:
Kwark's point is very simple. You cannot spend money you do not have.
And your pension (in the form of a 401k), for all intents and purposes is money you do not have (right now).
Wow what? You know credit is the foundation of today's economy right?
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Hillary Clinton's lead over Donald Trump has tripled in Wisconsin since July, with the Democratic nominee now holding a double-digit advantage, according to a Marquette University Law School poll of likely voters released Wednesday.
Clinton leads Trump by 15 percentage points, with 52 percent support to Trump’s 37 percent support. Seven percent said they would vote for neither candidate, while 3 percent said they were undecided.
Clinton led Trump by just 4 percentage points in July before both parties convened their nominating conventions last month.
In a four-way contest including Libertarian Party nominee Gary Johnson and Green Party nominee Jill Stein, Clinton leads with 47 percent, followed by Trump at 34 percent, Johnson at 9 percent and Stein at 3 percent with 4 percent undecided and 2 percent choosing neither candidate.
Clinton’s unfavorability rating nearly equals her favorability, a relative plus for a candidate who, like Trump, has historically high negatives nationally. Her net favorability is -1 percent, (48 percent favorable, 49 percent unfavorable), while Trump’s is -37 percent (28 percent favorable, 65 percent unfavorable).
Clinton is also the candidate respondents said cares about people like them (50 percent, yes; 48 percent, no) — much more so than Trump (31 percent, yes; 66 percent, no) — and has the qualifications to be president (61 percent, yes; 38 percent, no). While voters largely share the same views on whether Clinton and Trump are honest, nearly 7-in-10 said Trump is unqualified for the White House.
In the Senate race, former Wisconsin Sen. Russ Feingold has expanded his five-point lead over Republican incumbent Sen. Ron Johnson from July. Feingold now leads with 53 percent support to Johnson’s 42 percent support.
The Marquette University Law School survey of 683 likely voters was conducted via landline and cellphone and has a margin of error of plus or minus 5 percentage points.
Source
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On August 11 2016 03:24 WhiteDog wrote:Show nested quote +On August 11 2016 03:04 Deathstar wrote:
There's nothing wrong with working until you die. Working energizes people and makes them sharper and healthier. It gives you purpose. It gives you an opportunity to interact with people you normally wouldn't. Retirement is an idealized and unsustainable model from a booming time period and it shows because most boomers have an expectation of at least part time work.
Putting money away now that you won't see for another 30-40+ years is truly a sad thing to see. What a waste. Live your life and use your money while you have the vitality to enjoy it. You don't want to be that old guy that goes golfing every single day because he has nothing to do with his life and is just thinking of how to use the money he saved up before dying. Depend heavily on the type of work. Blue collar labor break your body. I'm a teacher and work 18 hours a week, I can work up to the end without a worry.
Just to be clear, this isn't a 100% job in france? Right?
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On August 11 2016 04:14 Velr wrote:Show nested quote +On August 11 2016 03:24 WhiteDog wrote:On August 11 2016 03:04 Deathstar wrote:
There's nothing wrong with working until you die. Working energizes people and makes them sharper and healthier. It gives you purpose. It gives you an opportunity to interact with people you normally wouldn't. Retirement is an idealized and unsustainable model from a booming time period and it shows because most boomers have an expectation of at least part time work.
Putting money away now that you won't see for another 30-40+ years is truly a sad thing to see. What a waste. Live your life and use your money while you have the vitality to enjoy it. You don't want to be that old guy that goes golfing every single day because he has nothing to do with his life and is just thinking of how to use the money he saved up before dying. Depend heavily on the type of work. Blue collar labor break your body. I'm a teacher and work 18 hours a week, I can work up to the end without a worry. Just to be clear, this isn't a 100% job in france? Right?
It's 100 %, even more depending on your grade and the type of competitive exam you passed, the number of extra hour you make and where you teach.
At the university level, it's 12 hour a week, and in "classes préparatoires" it's 9h.
It's specific to teacher, we have the highest life expectancy in the country, we're parasite. Now I'm a public servant, I have tons of obligations aside from the 15-18h before kids, and can't choose where I teach.
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On August 11 2016 04:13 IgnE wrote:Show nested quote +On August 11 2016 04:08 Gorsameth wrote:
Kwark's point is very simple. You cannot spend money you do not have.
And your pension (in the form of a 401k), for all intents and purposes is money you do not have (right now).
Wow what? You know credit is the foundation of today's economy right?
There is an argument that the finance industry has made is far easier to borrow money than invest it for a reasonable return. And they believe it is in their benefit to keep doing that, lend over promote saving.
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EPT
