US stock · Financial Services sector · Insurance—Life
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MetLife, Inc.

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First off, just wanted to say I'm very sorry to hear you lost your mother. That must have been devastating.

I just wanted to share a story with you about how I had to take a job and what happened. Maybe it can give you some perspective and hope.

​

I started an app related business with my wife and it did great. Within 6 months, we were able to get a mortgage and buy a big house. As soon as I bought the house, an industry wide event happened and we started losing money and customers. We hung in there for 6 months but with employees and rent, it drained us of our finances to the point where we had no savings left. We had to shut down the company.

I was in a similar situation to where you are now. Have a house but need to pay the mortgage, 0 income coming in. I have a wife and 2 kids to support. I tried a few things to earn money, tried some quick businesses, drop shipping, etc. But even those ventures need serious time to work.

Time I just didn't have.

So I was forced to find a job. Luckily I met a guy who was the head of IT for a large company in a nearby city and he gave me a good job. The job wasn't all bad, I met some great people, had new experiences and learned a lot. But most importantly, that job gave me some security and it bought me time. I listened to podcasts on the way to work to help me improve my business skills. About a year into the job, I found a potential opportunity and decided to go all in with whatever time I had left after my day job.

The new company was incredibly successful. Thanks to the knowledge I gained from my old company failing, I was able to see my path forward clearly. I was able to quit my job after only 2 years. That was 5 years ago. My family's new company is now doing 7 figures a year.

But I owe a lot of my success to that time when I had to take a job. Remember, it's not for the rest of your life, it's only for a season. Just hang in there and do what you have to do. This year for you, should be focused on survival, stability and education.

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Camping gear is expensive man. Lower your expectations. Consider the following:

  • Rain gear....walmart brand garbage bags
  • Tent...again, walmart brand garbage bags and duct tape
  • Clothes....again...garbage bags
  • Food...found while emptying out the garbage bags

All your basic necessities met

Also consider a bougie water filter for filtering your own piss to drink

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I lived in Germany too when this happened. I was born there. I knew pretty quickly that I would swim in mad money if I would open a "Testcenter" and I joked to myself that I should actually do it. But I was 100% against all of these measures and realised pretty soon a lot of people developed an irrational panic reaction. Their brain switched off and they were in fight or flight mode following every bullshit order the government gave them.

So I could never open one of these stations because it wouldn’t be ethical for me. Instead I fled out of Germany and moved to Poland. I enjoy a Covid free life and was on parties while people in Germany locked themselves away in fear of this virus. I met a lot of cool people here in Poland. I was before I left even a bit depressed. But when I started my new life in the capital of Poland my depression was like stripped away. I met lots of cool people I could have never met in my small city in Germany.

If you just want to make money and don’t care about the product/service you offer there are always many ways to make money. But I think you should build a business that aims to make the world a better place not a worse.

Just my thoughts on this.

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Once you do get an in person meeting, I recommend presenting facts versus feelings. I would print off your job description and show how you have not only met the requirements, but how you went above and beyond. If you can show your boss on paper or on a computer, the better it is for you. Also, a lot of job applications are posting salary ranges. If a competitor is posting salary, I would consider bringing that with you to prove what the going rate is. Good luck!

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Hyper wealthy is definitely hyperbole. But we lost money during the dot com bust, switched to what you now call boglehead investing, and stayed the course during 08-09. We have now met all our retirement goals ahead of schedule. Not just because of 2008, but that helped.

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My dad is in IT for a university in the southeast. He took a 60% pay cut over his last job, and they stretched to go that far. He will never, ever get a raise.

But, he is remote and lives 90 minutes from campus. He has never met his boss in person, because he started during covid, and will stay remote.

Before anyone asks, he took the paycut because he lost his job of 36 years during covid and was out of a job for 9 months- he needed SOMETHING.

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I wanna fight a liberal so bad. Never met one.

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Roku 100C weeklies because I met a babe that works there last night. That’s my dd.

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I’ve met and talked to many people that play this game. I don’t mind them doing it, but it alarms me how many don’t understand how leveraged they are, don’t understand what their personal net worth currently is, don’t understand they are effectively a business, they don’t understand the potential risks if there are changes to potential income from the rental market caused by macro economic factors, and they don’t have a financial plan in place to cover medium term losses from changes in the rental market or problems with a tenant or property that causes them to lose money.

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Is that usually what happens? Every vaginal delivery has the operating room charge due to a possibility of complications?

I pay a percentage of cost after my deductible is met, so I'll have to cover 20% of $5k. I can live with that, but was surprised to see the charge.

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I feel like “the biggest indicator to buying a Tesla is people who can afford it” is kinda a lame study. Obviously people who can’t afford them won’t be buying them.

I bought mine in 2018, not because Of a ceo, not because of politics, but because I rarely drive far so an EV made a ton of sense as far as practicality (charging at home, relying on solar panels, etc) and coolness. Teslas are insanely fun to drive, I’ve never met anyone who disagrees, and at the time, they were really the only EV with any cool factor that are capable of driving faster than 55 mph.

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Wow, sounds like a lot of fun! I don't mean to be rude, but have you travelled much before? In particular, have you been to India before? I've been a couple of times and it's pretty full-on, to say the least. The people can be very dishonest, there are sleazy men (my female travelling companion got fairly obviously felt up by a fellow passenger on a long bus trip and nobody cared), and there's a fair bit of crime, depending on the area (Bihar state is particularly scary). Obviously the people are very poor, and many have the attitude that rich westerners should just give them money. I got asked this outright once or twice. Of course, like anywhere, most of the people are fine and some are really lovely.

The food and water can be dicey for the western stomach, I'd suggest avoid meat and only have bottled water (be careful of fruit if it's been washed in water). Get the appropriate vaccinations beforehand (lots of diseases far more dangerous than C-19 there) and take medicines you might need, though the pharmacies seem pretty good from memory, and you can get antibiotics over the counter.

Finally, I'd be very very cautious about hiring scooters, this is the way people get themselves killed in third-world countries with insane traffic and effectively no road rules.

So in general I'd say stay on your toes, and maybe skip the scooters. Ignore me if I'm just rehashing stuff you already know!

But yep Goa is nice and India is astonishingly cheap. I met some ex-pats in Goa who fell in love with India and just ended up staying, though most people seem to develop a bit of a love-hate relationship with the country.

If you're giving up your jobs I would think 6 weeks is a pretty short time, you could probably afford to travel around for months, though it depends on what the visas are these days, and of course you may get sick of it and want to get on with your lives back home.

All the best!

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Well I guess that seen from Team Jesus' point of view, the US is indeed the most bestest country in the world. The man I met was not a Christian but a believer, certainly. The kind that believes in the American Dream.

> No need to hyphenate.

Yep thanks for the correction.

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again, you've just presented another case of why a rebound will most likely happen. do you seriously think it's just going to go straight down every single week? its possible, but to an extent. You're more likely to see a bounce after 7 consecutive red weeks as history would show extended selloffs in this fashion tend to be met with rebounds to the same degree. There hasn't been many times in history where the market has sold off this many consecutive times, so the odds of a bounce are definitely favored compared to a continuation. the last time I see in recent history was back in 2001, which was followed by 1 additional week of selling, so yes we could see another week totaling 8. However, the odds of this happening are greatly reduced to just how rare this occurrence is.

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I’m bout to go pick this girl up I met off facebook dating. I don’t think either of us plan on hooking up we see it as a date. We’re both new to this. Do I open the door for her? What do

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I'm sorry. This is tough. Don't make any life changing decisions until you are fully informed. You don't say what your relationship is with your stepdad. Neither do we know if your real dad is proactive at all in your life; losing your mother may alter that relationship for better/worse.

First, what name is the mortgage and deed in? Your mother's? Half your dad's? Did your mom have a will? You really need the input of a neutral third party, preferably an attorney, or at least a level headed person you trust to give you accurate information.

You will go through a recovery period in your living situation financially and emotionally. You haven't had time to grieve yet. Don't assume living paycheck to paycheck will be set in stone for the next six months or even the next six years. You will recover.

Your childhood home; I was put on a bus at 13 and arrived four days later across the country to live with an uncle I had met twice. As a military brat I moved constantly, then I was military ... my point is I've never had stability. The longest I had lived in any one place was 12 years and that is as an elder.

Home is where you live. Losing your childhood home is not catastrophic; happy memories is why you are so attached to it. You can discover a new home you fall in love with and make it home by your presence. They key is to make a new home the source of new happy memories. I hope you're able to keep it ... but if not you can reposition to thrive. I can assure you, you will be okay.

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The biggest issue, is not even the supply chain, or QE/QT along with rate hikes, just wait until the market finally catches up with the notion that mortgage rates are unsustainable for anyone that is considered middle/lower class and the significant amount of supply that is now in perpetual motion. Give it 6-8 weeks and normal people that don't realize what is going on, will see what is going on on mainstream news. That's typically when the biggest hurt comes. June - Oct has some nasty potential side affects from everything all coming together and falling apart. Most of the "earnings" have been borderline met, but wait until this last 2 months + next 2 months show up in Q3 & Q4 earnings lol. I guess dollar cost average right into the next recession =/

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It's somehow even more corrupt though.

I dated a girl from a North Chicago family. When I met her parents, her father gave me a very Tony Soprano "welcome to da family!". It seemed funny.

Then I heard stories of cousins ending up in the river. Then her dad announced that I'd never be called for jury duty, he'd pulled me from the rolls.

I don't live in Illinois anymore. That's the only way I can explain how I'm still alive after that breakup.

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Shockingly true, I've met someone who made $250,000 per year and believed they couldn't retire before the next ten years. They were already in their mid-fifties. I literally cannot justify that math in our low cost of living area.

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Have you met my friend Eddie?

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Are you driving or which position is that? I got hired for FedEx @ $17/hr. last year as a driver. I opted out after I signed my new hire paperwork and they forgot I existed lol. The location was a shit show and everyone I met—down to my interviewers at all 3 stages—seemed visibly miserable. It was a delivery driver job and they were telling me to expect 12-hour days 6 days/week. 4 hours of losing your own truck due to short staffing followed by 8 hours driving. SO glad I didn’t follow through on it.

Now I’m at a job that currently is only paying $15/hr. (although I’m up for a raise this month), and as a small part of the job we help the UPS guys unload 2 cargo jets per day into trucks. The UPS guys all seem happy as shit lol. Seems to be very distinct difference between the two companies, at least in my little neck of the woods.

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Have you actually met this woman? The one you are engaged to?

This sounds awfully catfishy to me.

Also.. why the hell would she be able to sell a house that’s not hers?

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Even though Teslas are American made and run on American energy, I never met a conservative who didn't shit talk electric cars and Teslas. The next two major product launches for Tesla are the Cyber Truck and Semis. As a shareholder, I applaud Musk for winning the hearts of conservatives by “owning the libs". He is going to sell a shitload of trucks now. Back it up Boyz.

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I've been to New-York 20 years ago and met someone who said exactly the same thing. Extremely interesting guy, he had traveled all over the world, seen a lot of things. But he was homeless and not in a very good shape. I didn't say anything. There's foolishness in all of us.

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Every billionaire I’ve met shops at Walmart. Sometimes in person or through Instacart.

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I guess having lived here and met these people means you aren't talking about me.

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In did we did. The devil is in the details. They were given billions of dollars to get "broadband internet access" to rural Americans. The definition of broadband at the time was already horribly outdated but they met the bare minimum (in the case of where my mom lives) of 6mbps. Off the top of my head I believe the definition of broadband has since been increased to 25mbps which is still incredibly outdated. Keep in mind 5g wireless technology is hitting like 650mbps in my city.

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You may be stuck until open enrollment season, but at that point I would really research your options. If you guys live in a major city, definitely just go with a large network HMO like Blue Cross or Aetna etc. There are plenty of specialists etc. that will be in network.

If you're in generally good health, find something with a lower premium and higher deductible that pays 100% after deductible is met.

Planning on kids in the next few years? Consider HSA. A lot of HSA plans have 100% coverage after deductible and affordable premiums.

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Yeah just let me stop caring about having one of my human needs for shelter being met.

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I've been on the other side of this. Met a couple of guys who had an idea and wanted me to build it for them. In exchange they were offering me a bit of the company (in this case it was 5-10%).

I had to explain to them that in this scenario, I was taking all of the risk. They wanted me to invest an enormous amount of time building this idea in the hope that it paid off. Meanwhile, they carried on bringing in money from day jobs that I couldn't have - because I'm trying to build the solution that I'm not getting paid for.

In simple terms my advice would be: work hard, save your money, write a solid, comprehensive, detailed spec, and PAY someone to build it.

Probably, your going to need more than one person for this too ;)

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What state is this? 10 years experience alone should command more than that, let alone union. I have a friend in the pipefitters union, been welding for 2 years and he's making $36/hr. Just sayin I never met a welder in my life that regrets going to trade school.

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Chinese Foreign Minister Wang Yi said the US’s Indo-Pacific strategy is “doomed to fail,” making his remarks while President Joe Biden is in the region to increase engagement with allies and counter China’s rise and influence.

“Facts will prove that the so-called ‘Indo-Pacific strategy’ is essentially a strategy for creating divisions, a strategy for inciting confrontation, and a strategy for destroying peace,” the Chinese foreign ministry said in a statement after Wang met his Pakistani counterpart Bilawal Bhutto in Guangzhou Sunday.

In his first trip to Asia as US president, Biden has met with South Korea’s newly elected leader Yoon Suk Yeol. He will join Japanese Prime Minister Fumio Kishida in Tokyo Monday, followed by a Quad summit with Japan, Australia and India the next day.

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I get that but there can't just be a system that says "because you were born xxx you have an easier life and due to your status upon being given this life you are also given power via that wealth to sway what happens to those less fortunate than you whether that be by never putting in a fair share of work in life or by lobbying and using your unjust wealth to pressure the population into living the way you see fit, not whats best for society"

If "that's life" my guy, then I'm ready to burn it all down and start over.

There's two people.

Person A: Born into riches, never worked, easy doubled money whenever felt like it due to connections and already having wealth. Tries for force opinions on the masses, doesn't like when they have to play by the rules that don't suit them and can afford to simply not.

Person B: Killed, homeless, starving, etc, if they don't play by the rules that others made up. Has no generational wealth and therefor is told that the life they have now should be used to build for their kids, but they don't want kids. They want to have a fulfilled life and study medicine, science, physics. They want to invent. They want that education they cannot afford due to all the rules in life that make that journey harder and harder. They spend their life trying to achieve their dreams and are mostly met with bitter defeat and acceptance from lifes constant struggles. But if given the chance in a fair society that values progress over complacent stagnation, they may be the one to invent amazing things, even things like furthering the automation sector to a point where the working class doesn't need to "work" and can pursue more subjective skills and passions, supplemented by the new society that has eliminated most of it's needs like food, water, shelter, internet, etc.

Cheers, I hope you have the day you deserve.

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I honestly havnt met a girl that I’ve dated after college anywhere but on apps. It’s sad but at the same time I’ve dated and fucked a lot of hot chicks so not the worst 🫠

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Yea imagine judging a group of people they never met by a single characteristic.

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I had to teach mrs deathsythe about finances once we started getting serious after a year or two of dating.

She had basically thought the IRA & IRS were different Irish gangs, and now she's educating her co-workers and mother about finance based on what I've been saying to her for 7 or 8 years now haha.

That being said - I still primarily handle the finances, but am obviously very open about it. "Honey - I'm increasing your automatic monthly contribution to your Roth to 400 FYI" or "I took 600 out of the joint account to pay for the plumber" or "I'm moving some of the cash into I-bonds" etc...

She's more or less on autopilot and just places her trust in me, but she has way more of an understanding now than before she met me, and I pride myself on that.

As for post-marriage, we've got our joint account at the CU where the majority of big ticket transactions come to/fro - Down payment, shared EF, baby fund, puppy fund, gifts, vacations, rent/mortgage, taxes, etc... but we keep our own accounts otherwise. A portion of the paychecks are direct deposited into the joint account for mortgage and grocery bill budget etc...

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They just met with the maker of the vaccine a week ago to discuss stockpiling...they set up that meeting 6 months ago...interesting timing

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I met her before through work. She was the most stuck up egotistical bitch I ever met in my life.

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In my opinion one of the bigger problems currently, everyone was pushed the narrative of “investment properties” and now we see rent prices continue to skyrocket as well. I’ve rented a house for six years and never even met the landlord let alone seen any improvements whatsoever but my rent continues to go up every year.

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You know, the big funny guy from Forgetting Sarah Marshal and How I Met Your Mother

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Met someone on Facebook dating and it’s going really well. Just waiting to find out what the catch is…

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I work in Talent Acquisition in tech, formerly for a large Silicon Valley based SaaS company (not FAANG), and recently got a job at a cool startup you’ve likely all heard of. Started considering new opportunities a few months back and had an interview with SHOP for a Senior Technical Recruiter role. Backed out after the second interview.

First person I spoke to had just transitioned to Recruiting from Sales and couldn’t give me any tangible understanding about how Talent functioned at the company. Fine - she had just transitioned into Talent. I proceeded to ask questions about the product direction/strategy, upcoming projects/features she was excited about, etc. She was caught off guard by my question and proceeded to explain that she couldn’t discuss confidential information, but assured me exciting things were happening that would enable them to keep competing with AMZN. Red flags obviously but I decided to continue the process so I could practice interviewing.

Moved to the second round where I met with a Senior Recruiter who had just joined SHOP 1 month prior - the majority of their experience was with PepsiCo in Mexico and they had 0 technical recruiting experience before getting hired into a Senior role at SHOP focused on Engineering. They indicated that they wanted to move forward to a virtual on-site but I politely declined.

They very clearly did not have their ducks in a row from a Talent Acquisition perspective, which raises clear alarms for me given all the hype around their potential growth. If you can’t hire folks to recruit top talent, enabling the company to meet/exceed project deadlines and grow in-line with their ambitions, you will stagnate. Same thing is happening at the large software company I left.

I will not be throwing money into SHOP anytime soon.

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I dunno one of my most boring lays was this super alt girl with dyed hair who I met at a party and had a one night stand with. All kinds of freak vibes and then just starfish.

OTOH girl with the clit piercing was wild.

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"all pto will be denied until staffing needs are met"

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I’ve met with insurance companies over the the span of the last year since I’ve had my license for roughly 4 years now and I was looking at just Honda Civics the quotes weren’t horrible surprisingly. Just under 200, some were a little higher. But I make roughly $600 a weekend, during the summers when I don’t have school I make more than that.

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Have you met our Congress?

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I get a ton of these type of scam link texts. I always text back horrible things I'd do to them with strong explicit language, that I don't want to mention on here lol. Only once, did I get a call back on a private number 15 seconds later which wad met with silence after a threatning text.

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Depends on your need. Typically they are referring retirement. Brokerage is usually the last savings vehicle as it receives zero tax benefit. Assuming you have your emergency fund needs met, typically you follow this structure:

401k match>hsa>roth/401k>brokerage

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You’ve gotta be one of the most brainwashed prejudice ppl I’ve met on here.
I’m also a liberal gay man but really you need to watch less news and get out more. That’s an insane view to paint of the rest of the country.

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I met a 22 year old kid who was dead broke before the pandemic to making 9 million in net profit securing government contracts for PPE. He was a college dropout who smoked weed all day and had no experience with medical distribution. Governments were shitting out money as long as you could get the job done.

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Banks are complicated beasts. Exposure to interest rate rises is absolutely fundamental to risk, stability, net asset value and profitability of a bank’s balance sheet. The basic ‘banking’ model is … A) acceptance, safeguarding and repayment of cash currency deposits made by customers on demand - perhaps (you’d be lucky these days) with some interest; B) lending capital - against liquidity from customer deposits on its balance sheet (levered up, naturally; praise be… the fractional reserve system love - to third party borrowers, repayable over time, on which interest for the use of the funds is charged. If B generates more revenue than A + B costs to administer plus any losses from borrower default re B, then you’ve got a profitable bank :)

Raising interest rates will likely change the profile of A (liability to payment of interest on deposits to customers; cost of provision) and of B (loans with floating interest rates pegged to the Fed’s main policy level should yield more). In theory, at its simplest.

But the main downsides for banks when rates go up is that:

• ⁠cost of their own funding in the money markets also increases (not by as much, but noteworthy) • ⁠borrower default rates tend to increase from greater challenge of maintaining larger payments from additional interest

What this means is that impact on a bank from interest rate rises can be hard to understand , since it will depend on what their loan books are like.

Also, in the US, huge volumes of loan contracts are sold into the securitisation market for packaging into asset-backed securities by the originating lender shortly after inception at a discounted rate vs the total the borrower will repay over the term if the payments are all met in full and nothing changes. This gets debt off their balance sheet from just after the outset, so they’re not actually directly exposed to interest rate movements at all in relation to much of the lending they make

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About 75% of the airbnbs in NYC are people renting out parts of their own homes. This is the best of both worlds. Owners get to live in a house and make a little extra cash renting to travelers.

Zoning laws prevent people from building additions or tiny homes or converting to duplexes or from building apartments. Historically the local zoning laws were designed to work around federal non-discrimination laws. They keep poor people from moving into rich neighborhoods. They prop up home prices while creating homelessness.

There are people right now who are trying to increase the supply. People get fined all the time for illegally building an extra unit or illegally converting a two car garage into a studio. They should be given the chance to increase the supply of housing without being harassed by the government for doing so.

Even if it takes a while or if the demand is only partially met by increased supply that will be better than continuing to legally cause the shortage. Any solution that isn’t fast enough or that only helps partially is better than continuing to cause the problem.

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Never met a person I would trust to own a pitbull.

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Everyone I've ever met.

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Happy to help! We wanted our mortgage to be around $3k because he has student loans. We pay an awful lot of taxes in CA, as you will find out. Definitely max out 401k and HSA if possible. He unfortunately had zero financial acumen and quite a bit of student debt. Luckily I’m an accountant so I manage everything now. I wish I’d have met him in residency.

Congratulations on finishing residency and your first contract!

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Almost every married woman I’ve ever met cheats. Dead Srs. Go through her phone and prove me wrong. Go ahead, make me look stupid.

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to give a little more perspective on retirement: i make 110k and have 76k in my 401k (though was quite a bit higher just a couple months ago lol). my husband makes 60k and has 8k saved in a roth- his employer doesn’t offer a 401k and he only started saving recently.

but overall i wouldn’t say we live a lavish lifestyle- i think our retirement is so low because my husband didn’t save much until he met me 😅

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Met this Romania girl ask her if she was a vampire she says yes tell her she can suck me dry any time know I am bleeding

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Actually the IRS has a very specific list of conditions that determine if an employee should be a w2 and if those conditions are met, the employee MUST be hired as a w2. It has to do with employer obligations to pay into Medicare and social security.

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i dont even care about the stuff she took, what kills me is the stuff she left here. stuff i picked out special for her. she even left the stuffed fox i hand delivered to her the day we met. was gonna be our special animal and she cast it aside like a piece of trash. hurts my damn soul man.

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Thanks friend - I appreciate it. We are currently in early intervention through the state, but they are turning three soon, so we will definitely check out the other state resources. We met with a social worker a few months ago but they said we probably make too much money for most services through the state but we are hoping to see options through the public school system.

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If I invest 100 and it goes up to 120, and during this time it made an ROC of 15, you don't pay on the ROC distribution at that point in time but it does reduce your adjusted cost basis when you sell.

So for tax reasons, instead of have bought at 100, you bought at 85. Meaning you have to pay more than what you otherwise would have had there been no ROC to begin with.

If distributions had no ROC, you would be taxed at that point, but it wouldn't reduce your ACB later.

Actually, upon reading this back. It ends up being the same thing doesn't it...

However, in practice, you're still having to pay taxes on your own money due to ROC lowering your ACB thereby raising your taxes owing on capital gains.

Why not just reduce distributions if it can't be met without ROC?

This still seems to be sketchy.

I guess the only defence I can think of is that it allows a fund to have more flexibility?

Thoughts?

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Ive def met people like that or just there entire personaly is that “i drive a telsla”

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To be honest, after the fake account situation with wells fargo I don't know how anyone buys their stocks or uses them as a bank. I rather keep my money with some guy I just met on WSBs.

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Imagine if a couple met here and got married. Those two dudes would have to divorce within a year

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