dlp211

46 ms·

451.
by dlp211 6y ago
Who said anything about using retirement accounts. I said use target date mutual funds. You can buy the Vanguard 2055 TR in a normal brokerage account. You can also get it in an IRA. I will admit that 401k and equivalent accounts can be a p
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by dlp211 6y ago
> In my opinion, the net of the democratizing of stock trading What exactly does this mean? I'm pretty sure you've been able to purchase stock as a retail investor for a long time now. I'm also pretty sure that the frictio
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by dlp211 6y ago
Investing has been simplified to the point that you buy a single low cost target retirement fund and call it a day. You don't need to know more than that. The next step is to of course replicate that target date portfolio using the ind
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by dlp211 6y ago
> Everything can be overdone... gambling, sugar, video games. Why focus on the few people who take it too far, rather than the millions who now have the same access to wealth building that rich old people do? Robinhood did not do this. V
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by dlp211 6y ago
Solyndra didn't lose tax payers money, it was part of a portfolio of companies that made the US government money. It was literally the US government being innovative, effective, and responsible with tax payer money. By singling out Sol
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by dlp211 6y ago
The market making a correction != businesses failing. The market is severely overpriced as-is, it didn't need to be propped up. Companies don't fail because their share price has dropped.
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by dlp211 6y ago
This isn't an either let all businesses fail or prop up the entire stock market with cheap cash choice and your framing of it as such is intellectually dishonest.
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by dlp211 6y ago
It also wipes out the opportunity for future retirees to benefit from market corrections which are historically how most wealth for middle class retirees is built. So you've now sacrificed far more future retirees accounts for those w
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by dlp211 6y ago
Great, now how much does the median retiree have saved? Also, the vast majority of people shouldn't give two licks about keeping the market high today because the vast majority of people are more than a decade out from retirement. What
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by dlp211 6y ago
The US does not generally print money the way Germany did in the early 20th century. While we do perform some small amount of monetary expansion through printing money in the colloquial sense, the vast majority is done by the Fed paying do
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by dlp211 6y ago
Why do we need to quantify it?
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by dlp211 6y ago
What exactly is balanced training data, who decides it is balanced?
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by dlp211 6y ago
I didn't make the argument/correction that you think I made.
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by dlp211 6y ago
> r/AHS staged a massive public brigading campaign in 2018 to get many HATE subreddits banned. FTFY.
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by dlp211 6y ago
The difference* of course is that none of those people have real political power, Democrats are not trying to appease them. The far left aren't the force behind a Joe Biden or Nancy Pelosi or Chuck Schumer. Those on r/the_donald a
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by dlp211 6y ago
And no harm has come to them. I get the philosophical debate, but the practical debate should be settled by now.
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by dlp211 6y ago
Those numbers can be seen as the minimum, the same way the reported number of COVID related deaths are the minimum. The actual numbers are all but guaranteed to be more.
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by dlp211 6y ago
The average SDE 2 total compensation is around $215k according to levels.fyi which I have found to fairly accurate. I'm not saying you didn't see that offer, just that it isn't normal.
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by dlp211 6y ago
Most Engineers do NOT make $500k total comp per year at FAANG companies, most engineers don't make $300k TC/yr at these companies, and those aren't the engineers I'm talking about anyways. These companies are made up mos
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by dlp211 6y ago
> FAANG are of course well known for paying way way above what is necessary to satisfy "everyone's material needs and desires" Do they though? Quality of Life is not just how much you make, it's relative to what you h
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by dlp211 6y ago
Yes, we all know how an archaism in our system allows for what is now the most powerful branch of government to be controlled by the minority in this country.
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by dlp211 6y ago
Except it's simply not true. Instead candidates focus on a set of fairly high-population swing states, Michigan, Wisconsin, Florida, Virginia, North Carolina, Ohio, Pennsylvania.
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by dlp211 6y ago
Completely anecdotal, but I've been both highly fit and obese and irrespective of my fitness leve, crap sleep always makes me feel like junk, and good sleep always makes me feel great. I get more crap sleep being obese, but if I could
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by dlp211 6y ago
Can you provide some articles/videos for techniques? I've been a mouth breather my whole life and wonder if I could improve my running performance by switching technique.
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by dlp211 6y ago
> The main anecdotes I have are with people who have estates that were big enough to have to worry about what would happen to their businesses when they died, since they couldn't just pass on the business to their heir. I'm sor
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by dlp211 6y ago
Estate taxes on the Federal level have never even come close to being applicable to middle-class estates.
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by dlp211 6y ago
Three things. First, this is only true of the past and doesn't saying anything about the future. Second, this "study" isn't weighted based on the size of the estate. Third, that 10% matters far more than you could imagin
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by dlp211 6y ago
> My understanding is this has been a very real problem for farmers for many generations, and they have been the largest opponents for estate taxes. Your understanding is a talking point created by the Republican party and has no real b
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by dlp211 6y ago
My argument has nothing to do with policy and everything to do with the asymmetrical abuse of political power by the Republican party and how they are never held to account by their voters, the press, or our institutions for that abuse and
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by dlp211 6y ago
Democrats in the Senate changed the rules only after Republicans became the most obstructive body in the history of Congress. They forced the hands of the Democrats. But notice you don't also point out that Democrats follow pay-go rule

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