On April 03 2015 13:55 RagequitBM wrote: Stopped reading ASoIF halfway through the 3rd book because I was tired of the constant sex. Is the story really worth it to keep reading?
edit: and is the constant sex going to continue, or does it eventually tone down. I kinda cringe while reading them usually
lol how does this annoy you? are you reading the books out loud with your parents in the room or what its really a tiny % of the actual word count I don't complain about all the boring food porn
Yeah it's not nearly as bad as the boring food porn in Redwall that was in EVERY SINGLE ONE OF THE IDK 40-SOMETHING NOVELS WE GET IT BRIAN JACQUES THEY MAKE GOOD FOOD
Take it back. I actually had to explain to my coworkers last week what scones were... thank you Brian Jacques.
On April 04 2015 22:27 Alaric wrote: I mean imagine if I didn't kill him early enough, the mill potential is there. Then again Mill Rogue hasn't been a thing for awhile. (He also had a decent start with Backstab+SI:7 to kill my unbound elemental while I only had a totem+that on board so it's not like he was far behind when he did that the next turn.)
I had a fantastic Easter with family and my little girl is da best. Little easter dress and picking up eggs outside and still being surprised even though it's the 20th one.
On April 06 2015 00:05 JonGalt wrote: If you have the chance to study abroad, DO IT. Delaying you're graduation by a semester or whatever is totally worth it.
Probably my biggest regret in college (which I loved my time in college) was not going going abroad for $ reasons and trying to graduate early (also $). Would much rather have invested money then and paid myself back now.
On April 06 2015 15:27 WaveofShadow wrote: So I just watched the intro scenes for The Last of Us I mean not that I was ever going to play that anyway, but I can't deal with shit like that anymore. Just a big ol' nope.
You should watch the ending though. Still my favorite game ending.
On April 05 2015 14:16 wei2coolman wrote: anyone got suggestion for gaming mouse? just looking something with on the fly sensitivity change, and 2 side buttons.
I really like my Steelseries Rival. Has the two side mouse buttons and another button below the scroll button that can switch to two different CPIs. Download the Steelseries Engine thing and you can set all the CPIs and customize for games and such.
On April 06 2015 15:27 WaveofShadow wrote: So I just watched the intro scenes for The Last of Us I mean not that I was ever going to play that anyway, but I can't deal with shit like that anymore. Just a big ol' nope.
I play games to have fun, not to make myself feel miserable. Same reason I don't like the walking dead(you know outside of it being terrible) it's literally a depression simulator for the sake of causing a reaction. Great, wonderful, if I wanted to feel terrible I'd just look at the news.
Or there are interesting stories to tell that aren't just about feeling good in the end...if that style isn't for you that's fine, but don't belittle the existence of a wide range of stories that can be told.
Now that my savings account interest has dropped below the inflation rate (0.9%, really?), I'm thinking about putting some money aside in mostly mixed funds with maybe some stocks (like ~20% of total amount).
Friend of mine has made decent progress so far, got lucky with 9% increase last quartile. I know not to do it with money I can't afford to lose.
Anyone else here who has had decent results with this?
On April 06 2015 23:42 Doctorbeat wrote: Now that my savings account interest has dropped below the inflation rate (0.9%, really?), I'm thinking about putting some money aside in mostly mixed funds with maybe some stocks (like ~20% of total amount).
Friend of mine has made decent progress so far, got lucky with 9% increase last quartile. I know not to do it with money I can't afford to lose.
Anyone else here who has had decent results with this?
Just dump everything in SPY or VOO. Most stress free way of doing it. If you really want stocks pick something lomo that you're personally interested in and put a very small amount in it. Picking funds (I'm assuming you mean ETFs, mutual funds are usually not value) is honestly almost as much work as picking stocks.
Oh shit I haven't watched zero punctuation in a while. Gotta catch up. And I wasn't saying last of us was bad, in fact I don't think anyone was, just that I can't deal with that specific kind of emotion anymore.
On April 06 2015 23:42 Doctorbeat wrote: Now that my savings account interest has dropped below the inflation rate (0.9%, really?), I'm thinking about putting some money aside in mostly mixed funds with maybe some stocks (like ~20% of total amount).
Friend of mine has made decent progress so far, got lucky with 9% increase last quartile. I know not to do it with money I can't afford to lose.
Anyone else here who has had decent results with this?
Just dump everything in SPY or VOO. Most stress free way of doing it. If you really want stocks pick something lomo that you're personally interested in and put a very small amount in it. Picking funds (I'm assuming you mean ETFs, mutual funds are usually not value) is honestly almost as much work as picking stocks.
Get a financial advisor for it imo. I've made a couple thousand dollars over the last few years and trust my advisor on investments completely.
On April 07 2015 00:09 WaveofShadow wrote: Oh shit I haven't watched zero punctuation in a while. Gotta catch up. And I wasn't saying last of us was bad, in fact I don't think anyone was, just that I can't deal with that specific kind of emotion anymore.
On April 06 2015 23:42 Doctorbeat wrote: Now that my savings account interest has dropped below the inflation rate (0.9%, really?), I'm thinking about putting some money aside in mostly mixed funds with maybe some stocks (like ~20% of total amount).
Friend of mine has made decent progress so far, got lucky with 9% increase last quartile. I know not to do it with money I can't afford to lose.
Anyone else here who has had decent results with this?
Just dump everything in SPY or VOO. Most stress free way of doing it. If you really want stocks pick something lomo that you're personally interested in and put a very small amount in it. Picking funds (I'm assuming you mean ETFs, mutual funds are usually not value) is honestly almost as much work as picking stocks.
Get a financial advisor for it imo. I've made a couple thousand dollars over the last few years and trust my advisor on investments completely.
Meh unless you're managing over 6 figures of liquid assets I don't think a financial advisor is worth it. Nothing a financial advisor could tell you beyond what basic sense would dictate, and doesn't really justify the fees. Exceptions always apply but it's very unlikely your financial situation is complicated enough to necessitated an advisor.
The way I see it is the same as gym stuff. The wealth of information out there sometimes makes it hard to really gauge the quality of the information so having someone you know/trust give you the information is less risky. Also just knowing it's taken care of means you don't have to actively worry about it.
On April 07 2015 00:19 Numy wrote: The way I see it is the same as gym stuff. The wealth of information out there sometimes makes it hard to really gauge the quality of the information so having someone you know/trust give you the information is less risky. Also just knowing it's taken care of means you don't have to actively worry about it.
Knowing myself I'd worry more if someone else was handling my money transactions.
On April 07 2015 00:19 Numy wrote: The way I see it is the same as gym stuff. The wealth of information out there sometimes makes it hard to really gauge the quality of the information so having someone you know/trust give you the information is less risky. Also just knowing it's taken care of means you don't have to actively worry about it.
I'm all for paying money to save time and effort, but there should be an acceptable limit. Dumping everything in an index is far superior to paying for an advisor for 95%+ of the population however. Especially considering a broad market index like the S&P500 outperforms the vast majority of advisors while not needing a fee. Jsut to take Wave's example - if you want $2,000 returns, you'd've needed to invest $6,000 in the S&P500 through an index like VOO or SPY on April 1, 2013, and it would've cost you around ~$10 - $20 in fees. It's better returns than what any advisor can be reasonably expected to generate.
Advisors are helpful for when you have a complex financial situation, where an advisor can help you navigate tax consequences, adjust strategies for specific returns at specific times, or just for generally sorting through the paperwork of managing a large portfolio. Most of that typically applies only to individuals with very large liquid assets.
There can be something to be said about finding an advisor during a bear market, but in a bull market there's very little benefit. It's why hedge funds, for example, are drastically underperforming the index right now.
Stock market stuff is one of those things that I don't understand even a little bit, and am fully aware that I am losing out by not taking the time to understand it.
Every time I have more than a couple thousand dollars in the bank I end up in another country for several months sleeping on park benches and seeing the wonders of the world. Hopefully when I'm old I'll be able to get free meals by telling stories nobody will believe anyway.
On April 07 2015 00:19 Numy wrote: The way I see it is the same as gym stuff. The wealth of information out there sometimes makes it hard to really gauge the quality of the information so having someone you know/trust give you the information is less risky. Also just knowing it's taken care of means you don't have to actively worry about it.
I'm all for paying money to save time and effort, but there should be an acceptable limit. Dumping everything in an index is far superior to paying for an advisor for 95%+ of the population however. Especially considering a broad market index like the S&P500 outperforms the vast majority of advisors while not needing a fee. Jsut to take Wave's example - if you want $2,000 returns, you'd've needed to invest $6,000 in the S&P500 through an index like VOO or SPY on April 1, 2013, and it would've cost you around ~$10 - $20 in fees. It's better returns than what any advisor can be reasonably expected to generate.
Advisors are helpful for when you have a complex financial situation, where an advisor can help you navigate tax consequences, adjust strategies for specific returns at specific times, or just for generally sorting through the paperwork of managing a large portfolio. Most of that typically applies only to individuals with very large liquid assets.
There can be something to be said about finding an advisor during a bear market, but in a bull market there's very little benefit. It's why hedge funds, for example, are drastically underperforming the index right now.
What do you use to do this yourself then? I am woefully ignorant for these type of things but would like to know more. Or a place you recommend I can read up on it?
Investing is complicated which is why I (and many other people) just advocate index funds, specifically the S&P500, for people who don't want/care enough to invest copious time into understanding finance. Investing in an index fund means no/extremely low fees, protects your money from inflation (though, granted it's currently non-existent but we're talking more long-term here), and gives you the peace of mind that would be absent if you were constantly checking individual stocks or non-index fund performance. It's also exceptionally good in a bull market like we've seen for the past ~3 years, and the bull market is honestly expected to persist. You're screwed in a financial downturn, but that's hardly specific to an index fund, and investing in individual funds/stocks carries higher risk anyways.
To do it yourself you literally find a brokerage (traditional ones like Charles Schwab, Scottrade, etc., or newer age online, more self-directed ones like TradeKing, OptionsHouse, etc.), and put in an order to buy shares of SPY or VOO. Pay the standard commission on a trade and you're good to go.
EPT
Then again Mill Rogue hasn't been a thing for awhile.
I had a fantastic Easter with family and my little girl is da best. Little easter dress and picking up eggs outside and still being surprised even though it's the 20th one.
