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

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69.79

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+0.08
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25.94P/E
8Forward P/E
1.18P/E to S&P500
54.758BMarket CAP
2.81%Div Yield
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Actually you can see some of this in real time. A Russian automaker is building its cars without airbags, antilock brakes and other common safety features because the parts it needs are being blocked by sanctions.

This is only a micro-sample but in short maslow's hierarchy of needs have been met by all ages of society. We don't need much to thrive except for environmental factors. The human race will survive with less computers, or less sophisticated tools. It won't be easy though, and humans in the density of our cities simply can't be self-sufficient. Clean Water and Food before all else.

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In my experience, LinkedIn is a great place to start building a network; I have met many friendly, wonderful people -- with whom I interact or chat regularly -- and we learn from one another.

You can start by following users that resonate with you and interacting with them through the comments. You could even connect with them (I'd recommend writing an introductory message explaining who you are and why you want to connect with them), join groups, attend events, and so forth.

I have been advised to build a brand on LinkedIn so people know who I am, what I do, and why; You could try to do the same.

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She went to UCLA until she met my dick

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oh i see

sounds like my wife when we first met

she had never even masturbated

over the years though she learned to love it, she also learned to love other girls

we share her friends and my friends (no guy on guy though, as I'm not gay)

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I’d run if I were you. I haven’t met an engineer yet that think’s draganfly is worth anything. It’s a cool idea to 3d print PCBs but if your doing it with a proprietary dielectric that has material properties that are neither advantageous nor similar to common materials used in the industry than what is the point. It’s not worthless you can test some off the wall ideas but to truly unlock its potential you have to run a massive doe to correlate its properties (and the silver conductor) to real board materials and copper. There are other machines on the market that are just a little more cumbersome but get you the real deal rapid prototyped in house. Those are in use more broadly at many design houses but I haven’t seen nanodimensions equipment gain much traction.

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Upon withdrawal:

  • Pre-tax: basis is taxable, earnings are taxable
  • Roth: basis is tax free, earnings are also tax free if you're over 59.5 and it's been at least 5 years
  • After-tax: basis tax free, earnings always taxable no matter how long

Pre-tax and Roth share the $22,500 limit. After-tax is allowed up to the $66k limit. Mind you the 66k limit is also inclusive of the pre-tax & roth, and employer match too.

Since after-tax is less beneficial than both, you don't want to bother with after-tax until you've met the $22,500 limit first. You should also to "mega backdoor roth" with after-tax to save the earnings from taxation.

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Finally got this girl out. She’s actually really hot

Anyway. Tinder chick.n met for dinner and drinks (I was going there either way so I said meet me there), fucked raw. Came all over her bussy but I hopefully pulled out alright. I think I did. It was alright. I drank a bit but besides that it was awesome so my dick wasn’t performing close to top tier. She wanted to keep cuddling after we showered together. Maybe future Pablo mama no se. Anyway it was awesome and I’m grateful how are you cuck soys doing

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We have a country almost split in half on every major issue. We have fifty states split up that don’t get along. Within each state is a govt that doesn’t get along and within that state are counties that hate each other. Within those counties are neighborhoods and towns, local municipalities etc. that hate each other and and do not get along and within those towns are groups of peoples who hate each other and within those groups of peoples sometimes are couples who in secret fucking hate each other and stick together for a bunch of fake ass reasons. Those individuals, sometimes they hate themselves too. Zooming out. Each country hates each other. And if we were smart enough to get along for one fucking second and figure out interplanetary travel. The first group of living people we met. We’d hate them for some stupid fucking reason.

We bring this on ourselves.

Short everything it’ll eventually go to shit. Spy 6$ 3/12 2034.

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I guess I’m just worried bc these are all friends who aren’t associated with each other/have never met that are saying the same thing…

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He showed he had multiple private conversations with wealth funds that were interested but the situation changed rapidly. From a good faith standpoint, he appears to have met the standards the court felt was required. I still don’t like him but the law and jury have spoken.

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I forgot who said it but Gram and a few other youtubers are actually in a group where they all have to release the same content and they met from some convention

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Met a guy not long ago who works for Arthur Andersen. Yes, that Arthur Anderson. Yes I was equally confused when I heard that name. Someone thought it would be a good idea to buy the brand name and relaunch it

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I'd save it for now, and when you get out of the barracks you can put it into a house, preferably a duplex with a 15 year mortgage. I've met a lot of people who buy a house at each duty station and retire with some excellent passive income for life. Do almost nothing and get a few extra thousand each month forever when they get paid off.

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Yes, raises are negotiable, just like new job offers, but you still have to ask for something reasonable. I just got a promotion over the summer and I asked for an additional $5k over what they offered; they met me in the middle at $2.5k over what they additionally offered. So it's worth asking - just make sure you're not asking for more than market value.

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You met a sales person and not an advisor. Tell the advisor you are not interested by email and never call them again for financial advice. Both you and your spouse should buy term life insurance policies instead. Use a broker. I used a broker from Zander insurance.

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Social media has killed marriage. I go out and sit at the restaurant bar and observe couples with small kids not even talk. That doesn’t look very appealing to met as a single 40 yr old with no kids.

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When I started out, I met a few people that I worked well with. We each carried each other's business cards. And we on sold each other's business skills In the end, it was like we were a much larger company. The clients liked to deal with 1 person, and that person then coordinated the others for their parts. It worked well for several years. You are asking for compensation for your knowledge and solution solving. How you do that is up to you.

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>Once that premium is met, I can stop making payment and will be covered for life without lapsing.

the way this actually works is you over-pay for the insurance for x-years, then the premiums are deducted from the overpayment amount for another y-years. then they'll send you a scare letter in about 25 years saying 'due to circumstances beyond our control, we are activating Obscure Fine Print Z from sub-paragraph 52-d that you never read and now you need to pay about 2x the previous monthly premium to keep this policy active.'

I'd forget this insurance plan. if you NEED insurance to prepare for a spouse or children's care, get term life. if in good health you can get probably $500k to a million in coverage for $50-100 month. if you invested the other $250 per month in index funds, or paid down the house, you'll be better off in the long-term.

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This is most certainly true. There are soooo many overhead expenses that go into operating a business—and there’s a big distinction between small business and big corps. My first year as a small business owner I paid myself $0 and the business profited $6 for the YEAR, after all expenses were met (rent, utilities, payroll, taxes, payroll taxes, unemployment insurance, cost of inventory, and so many other unexpected expenses that come with running a business such as paying someone to wash the second story exterior windows that I personally can’t safely reach).

From 2020-2022 our business never made a single $1 in profit. Not one.

We pay out very good wages considering our industry. No benefits (I don’t even have health care).

A lot of small business owners start bc of a passion.

Our passion doesn’t necessarily mean we have business savvy.

But without passion projects, the world would be a dull and corporate place.

People are so quick to judge small business owners that could never last half a day in our shoes. Ever.

It’s so easy to think you know how business operates as an employee. It’s painstakingly hard and oftentimes financially unrewarding.

So I would love to see the general public at least not paint us out as bad guys when we literally care too much. We put the needs of our staff and others before ourselves.

we sacrifice everything for our businesses. Employees clock out and live their lives. Small business owners don’t clock out—ever. We’re always responsible and liable. Always.

Much like someone else said, as the minimum wage increases, our business cannot afford to keep increasing payroll. We make a fixed revenue and we can’t just keep increasing our prices fast enough to match minimum wage increases or we’d lose all business.

Instead, we’re turning to automating the business.

And I couldn’t be happier.

89% of our money has gone to payroll every year since 2018.

And the average person still hates on small business owners and thinks we’re greedy.

I stand by all small business owners!

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🍎 up 10% on missed earnings on the claim that they couldn't keep up with demand do to supply shortages from China... And it was literally the only thing that kept us from drilling into the core on Friday... Any China headwinds are going to be met with a wave of selling

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Exactly. The odds of them even requesting it back are abysmal . What is $5000 to these companies most of the time. I left a while before i met the requirements and never was i asked to return my bonus (i was also housed for free for 3 months)

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>my job provides what I need to meet my financial and personal needs

It should be, at the very minimum:

My job provides what I need to meet my financial, personal and mental health needs.

At the very minimum, because it's typically against human nature to not want to grow and expand. Having only current needs met feels very minimal to me.

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Haven't met too many government employees who went above and beyond at their jobs. Maybe at 28, like the OP, but not someone who was handcuffed to their job for 30 years. That's a run out the clock situation.

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Ive never met an employer willing to double the salary of their entire team just to keep them no. Have you?

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Haven't you met star employees whose performance is worth every ounce of cash

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No it was a house bought by my gram specifically for my mom to live in (actually me too since I was a minor when she bought it and it was purchased in part to try to keep me safe and housed).

I don't know everything about their finances but supposedly this house is set to go to me directly. I doubt he wants it, truly. Grandpa had lots of property before marrying my gram and they have their own residence together. They met around retirement age and have their own grown kids and such.

But I am thinking that I should gather more info about this whole topic because a lot of stuff is coming up I didn't think of! And I really don't know for sure about what you've asked about

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What makes you assume luck, out of curiosity?

And the reason why it doesn’t make sense to ‘wait until I’m prepared’ is precisely because I believe this is almost a gold-rush type of opportunity. There have been incredible booms all over the US, but trying to establish some sort of presence there will be met with incredible difficulty, given that the market has somewhat matured/key incumbents have been established. However, in Europe, the market is relatively fresh, and adoption is only starting to take a surge now, and is being facilitated by government grants. Coupled with my family and family friends knowledge, it feels almost wasteful not to give it a try. Especially since I’ve already got experience in renewable energy, have enough money to sustain myself for 2-3 years with rent and food, have no obligation when it comes to a mortgage/wife/kids, and have the time and energy to try make it work.

Why would I wait a few years? It’ll give potential competitors time to establish themselves as key players and take advantage of the early demand.

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My creative partner and I (40-ish years experience between us at the time) wanted to strike out on our own, but we kept putting it off because we didn't have an initial client. Finally we said screw it and did it.

Built a site and social pages. Told everyone we knew. Relentlessly hyped ourselves on social media. Within just a few days, a contact referred us to a client who needed a small agency. We met with them, hit it off, they awarded us the business.

So we began with just the two of us in a WeWork. Referrals from friends and ex-clients got us most of our clients in the first year. We used freelancers when things got busy or when it was a skill (like media, site building, or research) that we didn't have.

A year in, we added another partner on the client services/new biz side. That brought in even more business. We were still mostly startups, projects for bigger brands, and some medium sized companies. Made it to the finals of several pitches against 800-person agencies (and lost out only because of our size, not our ideas or our creative). We moved into our own space.

After Year 4 we were looking at roughly $1 million in billings. That's when my original partner decided they wanted to go do something else. The other partner and I decided trying to find someone who could do what they did and keep growing would be really tough, so we started putting it out there we'd be interested in selling.

Got referred to an agency by another friend. Long story short, they decided to acquire us, so we sold to them.

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I'm disappointed they didn't mention how often the practice is illegal. There are standards that must be met in order to be salary exempt. For one, duties must be primarily administrative (with that generally interpreted a "more than 50%"). If you more than half your work is hands on you can not be legally denied overtime (there are exceptions for specific industries, but for the most part).

I used to work in restaurants where salary abuse is rampant. It's exceptionally rare that someone like a sous chef or actively working chef actually qualifies as salary exempt, but it's not at all rare for businesses to get away with it. The point is this is already illegal. It's already wage theft.

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I am 56 and I can't imagine staying in one job for my entire working life. I value my freedom, flexibility, and personal agency much more. You can enjoy a life filled with adventures like moving to other cities or states, changing jobs for the experience of doing different things (in related fields), take breaks, learn new things. The likelihood that you can make more money in the private sector also tips the balance to "freedom" over "stability." The onus is on you, of course, to save money for retirement, rather than your job doing that for you. Nearly every raise I got in my early career went straight to savings, my IRA or 401k. From ages 26 - 56 I worked for good bosses, great bosses, shitty bosses, fun jobs, meh jobs --but they were all jobs that I could leave, bc no golden handcuffs. At 30 I traveled for a year (on a shoestring budget and bc I had savings), totally changed careers at 35, went to grad school, started a business.... on and on. You only get one life and not for nothing you are your most vibrant from ages 30-50. I feel great (healthy, fit, energized )and like my work at age 56, but I can tell you for sure, that 40 is an amazing decade and I am definitely getting tired. I've met folks who are "doing their time" in that 10 year span and they. are. miserable. I could retire now, but after all that life, I do like what i am doing and enriches me.

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>I've most certainly run the numbers. I had about 75% liquidity in year 1 with my policies, broken even as far as total premiums paid in vs cash value at around year 7, and earn around 4.5% a year after that completely tax and risk free, while getting a death benefit all the while. - u/Coronator

You most certainly have not run the numbers, and your comment is evidence of this. You can't just look at your most recent return, you need to look at your overall return going back to the beginning, and comparing versus something like investing in a total stock market index fund and holding a term policy for the same amount. That will bring your already anemic 4.5% return even lower by comparison, probably closer to 2-3% which barely even keeps up with inflation.

We get it - you're married to your policy. I've never met a person that follows "be your own banker", "infinite baking", "become the banker" or whatever it gets renamed to this year that wasn't married to their policy. But the truth is that there is not a single 20+ year period in history where you would have come out ahead. You would do well to do a sunk cost analysis, and you likely will find that not only did the policy not make sense for you in the past, but it doesn't make sense for you going forward and you would be better off cancelling your policy. You won't do it because you've already drunk the Kool-Aid. It's too late for you. But the least you can do is avoid poisoning the naïve people around you.

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I've never met anyone who makes investments without an attempt at forecasting their return over time. That is such an odd reply.

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I’m doing Launch School! I highly recommend it (and have met quite a few PTs doing it as well)

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I met my wife on StockTwits. We have two kids and a house in the suburbs. Pretty wild how life works out sometimes, huh?

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I love book recommendations, yeah that's what a need, a reading assignment. You should do a book report, like an 11 year old with all of the time in the world. How do these people ever get anything done? Oh well I need to sit down focus on what somebody else thinks about a general topic. They have never met me, know nothing about the situation. Why not spend hours consuming their opinion?

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well this is the wrong time to work out these details.

  1. If you think it is going to cost 10K you should plan on it cost your 30K. If you think it will take 1 year it will take 2. This is my general rule of thumb. All of the best estimates will fall short and you should expect the unexpected. This used to result in a multiple of 2 meaning if in my very best most conservative estimates came to a grand total of 10K I would then double that number and I would proceed fulling expecting this 10k project to cost 20 and after many years of experience I have come to realize that a multiple of 3 has served me much better. After all of my best due diligence and estimations I multiply that total by 3 and that is my working expectation. Same goes for time or duration. If it is expected to take a week for the developer to complete the project my expectation is 2. If they are a good developer or contractor, or we do a really good job it will only take 3 days but I am planning on the worse case, I am expecting the unexpected and my plans will no be derailed unless it take more than the 2 weeks I planned on it taking to complete this one week project. In general terms it will take twice as long and cost 3 times more than anticipated.
  2. If you role is funding you need to be prepared to fund the project regardless of how much it cost. All of you should have clear goals, that you expect to cost x dollars but independent of cost certain goals or expectations must be met in order to realize a return on the cost. If it expected to cost 10,000 to build this widget, you have a widget (e-commerce app/website). The goal is to build a widget. If you achieve this goal at the very least you will have something that you could sell or use. You all agree and you get to work and something changes or a realization is made that it will cost at least another $3k to finish the widget are you going to walk away from your investment? Where is the most logical expectation of all parties to get this 3K? Are you going to completely shut down? Are you going to renegotiate the entire deal? Is every share linked to a dollar? What is the value of 70% of the work? Is this 3 hours labor split by 2 people or is this a full year of unlimited labor of two skilled laborers? One good employee could cost 200K plus for limited hours for one year, two people full time, 400K, overtime, travel, dedication, I mean two skilled people will cost far more than 10 for any period of time.
  3. Time and a place. You are asking for legal help after you needed the help if the company already exists. You need to have conversations with your partners to define goals and set expectations.
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It was weird. It took us a long time going to our local pub before anyone even tried to talk to us. Once they did, we were ‘in’ though and that made it kind of nice feeling accepted there. Had a lot of good chats at that pub with older Brits with great stories but it was a lot of time invested to get there. Otherwise, people are polite to your face but when they’re not talking to you directly they’re scowling at you. I am boisterous when I’m out—speak loudly, laugh loudly—and that is very unBritish. Got a lot of side eyes for it. The overall tone in most places is keep to yourself and speak in hushed tones.

At work, it was a lot of politics and gate keeping. Sunshine and roses when you’re speaking on a problem then backstabbing and idea theft or suppression when they turn around and speak to higher ups. It was so frustrating but that could have largely been due to my specific company’s dynamics.

Honestly this parody video isn’t too far off from our overall impression lol: https://m.youtube.com/watch?v=PT0ay9u1gg4

My husband is a huge punk fan and was psyched to go there for that reason but funnily enough a lot of the audiophiles there think of classic UK punk negatively (‘that’s what my parents listened to’ kind of thing) and are more into new US punk so he didn’t connect with a lot of the local music scene in the end.

The good stuff included being in this incredible city full of history and getting a chance to discover that side first hand. Phenomenal free museums, and my husband did end up meeting Mick Jones from the Clash at one of our local pubs after a record release show at a recording studio across the street!

I don’t want to come off as hating on all British people—I made great connections with some individual coworkers and fellow dog owners I met at the park. Largely people who came from other countries or outside of London itself. But culturally, as a whole, it wasn’t for us. We felt foreign and didn’t see it as a place we would ever feel at home, so we left. I do miss the climate and the flora is stunning, especially in the spring. Really cannot hype up the city parks enough.

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Met with.one contractor today. My only million dollar question is what to pay a tech who goes out to a home. Hourly or by job or ? If their own truck, mileage or ?

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Read You can't hurt me by david goggins It's my personal opinion I know not all people relates but still I recommend everyone I met

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No jury finds people innocent. It's guilty or not guilty, and being not guilty doesn't make you innocent. It just means the prosecution hasn't met the bar to find one guilty.

There is a whole massive grey area on your way to innocent.

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Because I've never met any moms IRL and don't ever see what other people are struggling with on social media.

I'd love to be a dad, but alas I have lady parts do that option is out.

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Personally, I would buy the house in cash. And then, after expenses are met from my paychecks, the rest would go into investing.

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I took a job in Amsterdam and lived there for most of a year. As a software engineer, the pay is stupid.

It was amazing to get to travel all over Europe. I also met my husband while there.

I’d love to retire in the EU. It’s very difficult as a US citizen if you have significant investments. We are currently planning on spending up to six months per year in Europe in retirement. Keeping a cheap apartment in the US is cheaper than the taxes we’d pay as a resident in the EU.

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Yeah, agreed. That is exactly why it is so short sighted.

But honestly, it's kinda cool how ChatGPT has exposed the myopic thinking around blogs. Right? I mean, everyone just HAS to have a blog these days and I often scratch my head... Like, why? You don't have anything to say! Business leaders just do it because someone told them they're supposed to.

Like, if you don't have a unique POV that really helps to differentiate you in the marketplace and if it's not a part of a much broader, well thought out content strategy, then there is zero point to having a blog.

First thing a new potential customer will do is check out your content, see you haven't updated it since 2016, and boom: you immediately lose brand credibility.

It's myopic to do a blog in isolation from a broader marketing strategy. And if you're doing actual content creation, then you absolutely better be writing it yourself, infusing your writing with your POV across all channels.

That's why ChatGPT won't make a difference for actual content creation. It's just a fast way to repeat what's already been said, as you pointed out. So it won't help gain a long term competitive edge. It's a cool toy, and it helps with inspiration. And if you're a lazy writer who just needs to show the boss that you met your quota of articles for your website, then more power to you.

Otherwise, you're just fooling yourself.

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My academic schedule made it hard for me to get classes which met my degree requirements. Otherwise, I wanted to do the Budapest Semesters in Mathematics Program or directly enroll in a university where the classes were taught in English, but I wasn't exclusively with other study abroad students.

I ended up doing a summer program in Reno and my alma mater accidentally transferred the credits as if it was a foreign university. Culturally, it was sort of like living in a different country as I would often skip the dining hall and have dinner at one of the casinos a few blocks away while gambling was essentially illegal in the state where I went to college (I was not yet 21 and didn't gamble). The total cost for airfare, tuition, fees, books, room, and board was less than $2,100 as summer students paid the extremely low in-state tuition rates, so I also saved a ton of money.

I would like to spend extensive time in other countries, but am not sure of the logistics. In the meantime, I've been focusing on seeing what everyday life is like in each US state.

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Excellent choice. You can provide top notch care for your patients with minimal student debt and a much shorter road to your career. Come to think of it, I’ve met far more disgruntled MDs than I have PAs.

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You can definitely pull this off, I would recommend getting a black card for Planet Fitness so you can use multiple locations and all of the amenities.

If your friend says no to storage then either sell the furniture or do a temporary storage unit lease for 6 months.

Lastly, I would document (and eventually monetize) the whole journey and share it once you have Met your goals. Van Life/Low Spend years are trending and if you are successful it could help others.

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Here, in my country, I met same person every day. The mentality is soooo afwul. They realy beliave that they can earn money literally do nothing.

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There’s a way to present yourself online to appeal to woman, having a good instagram is key. I can just inbox random hott girls and get dates with them. When I was younger I met some really hott woman in person, at the library, the gym etc. Sometimes you can get way better looking woman in person. I dated a model and a cosplay streamer chick with like 850k instagram followers by approaching girls in person.

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Typically the person with the money gets 100% ownership..

Feel free to draft up an operating agreement and/or articles of incorporation and/or an official business plan and/or bylaws that describe who gets what/when/where/why/how/etc that outline pay, bonuses, commissions, etc..

Lastly, read the book "slicing pie" that will help you decide who should get what portion of what...

You mention in this comment they have no money, and you mention in another comment they live in a different country - have you actually met either of them face to face? know anything about them? have verified their identity/criminal history with their local law enforcement?

What /u/cheeech11 is trying to say is that you'll put the $10k in, they will maybe do some work, the company will maybe make some money, or the more likely scenario if you haven't done your due diligence - - the moment your $10k is deposited - they will drain the account and ghost you..

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As a CPA, C-Suite executives are some of the dumbest people I’ve ever met

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Be socializing healthcare takes a huge hit to their overall financial success.. most doctors and nurses that I met in Europe said that they would prefer to practice in America because of how they’re paid in addition to taxation. Too much risk and school is too expensive to make the changes coming in healthcare worth it.

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While what you’re talking about exists, many companies are reluctant to do that because it obligated them to increased costs without knowing what business conditions are going to be. If revenues have fallen 20%, no company wants to automatically be on the hook to increase their labor costs by 5%, or any other automatic position.

It’s certainly an employee friendly policy. It’s not a company friendly one though, and for that reason, I suspect you may be met with reluctance.

Like most things in life, agreement depends on selling what’s in it for them. That’s going to be tough to do here.

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Thank you 💚 Sometimes we have to step back and fill our cup back up. I met a nurse with 20+years at our local “country store”, she expressed how happy and grateful she was to have retail to fall back on after nursing.

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My wife had a client who eventually after months of counseling admitted to giving a “secret” love affair from Isreal over $50k. He told her his daughter had cancer and collected it over a year or so.

Never even met the guy. But now she’s divorced so…

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Have you met our ethical friends over in Springfield??

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Mexico for a semester. Loved it, for the most part. Learned a lot, met some great people, had some great travels.

I really enjoy where I live today, but have wanted to spend more time in countries while traveling. Sadly, that's a FIRE goal, not a FILE one. When I graduated college I went to Costa Rica for a month, and that's the longest trip I've taken since, 20+ years later.

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I’ve met a few people who make decent money with dropshipping, but it seems like a very active business. Not at all passive.

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OP, you used the word "we" in your posts and mention that you need to meet weekly targets. Are you trading other peoples money? Is this job for you?

Cos with options there's thats a lot of stress if targets need to be met - there will be losing weeks, even losing months. Profits will not be consistent.

In terms of advice, you seem to selling very short DTEs and gamma is killing you - try longer dated options.

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I hated dating apps, too, but I still worked them. Met my fiancée on Hinge.

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People like you make my skin crawl even more than the men who met at Jekyll Island in 1910. Stockholm syndrome to the nth degree.

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When I met him I was 30

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Im so mad this looks so normal, i swear ive met this man atleast 4 times

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The most important skill being understanding economics? Unequivocally no.

A useful understanding? Sure, to a degree. Economics quickly becomes abstruse and impractical.

I personally find much of it interesting but if you run into an exchange, prop or HFT firm, or even successful retail traders and start drilling into economic forces between supply, demand, elasticity, etc you’ll be met with blank faces.

Markets are interesting like that. There’s an unlimited amount of data packed into one pricing system that you could spend a lifetime trying to make sense of relationships and not make a dollar. Yet, someone that can’t spell fucking HOLD can become an overnight multimillionaire. Obviously an edge case but nonetheless interesting.

My vote would be data analysis at the most important skill - to include statistics.

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She worked the covid unit too. Got close to many of her patients. Saw the moaning family members too often. I’ll always respect what y’all did. I know I couldn’t handle it

I can picture what you mean based on my unrelated experiences. Any attempt to open up is met with regurgitated troll bot farm BS.

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That is awesome !!! Your brother rang the bell at NYSE !!! In my family for the past 3 generations ringing the NYSE bell was and still is an enormous honor and privilege. Congratulations. And Peter Tuchman was there !! I’ve met him a couple of times over the years. I just discovered he’s only one year older that me. Humbling. I thought he was twice my age. Talk about a disconnect. I better start looking in the mirror !!!

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For a real world example, my (27M) fiance (28F) and I have a net worth of ~$400k. We are both accountants and started at $60k out of school.

I was in school until 24 because I pivoted career paths, but only had 40k in debt after my masters because of undergrad scholarships and help from parents, so I only had to pay for the masters. At 24 I started working at $60k/yr and living with roommates in NYC. I saved ~$30k by the 1.5 year mark where I changed jobs and started making $80k. 1.5 years later we get to today and I saved another $60k for a total of $90k.

My fiancé started out of school at $60k and her income increased about 15% every year on average to ~ $138k today. She lived at home until 24 and saved her entire post-tax income so had $100k when she moved out. She saved another $100k by the time we met in 2020. 2 years later she has saved another $100-150k. Bringing her to $300-350k.

Combined we are somewhere in the $400k range.

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Having a year worth of liquid savings is what I'd consider "safe" which it sounds like you have, with one potential major caveat:

Assuming you are in the US and your health insurance is via your workplace, you need to realize that the #1 biggest expense you could face unemployed is healthcare, and make that item #1, 2, and 3 on your "before I quit" to-do list to make sure you have everything understood and planned out. The healthcare marketplace subsidies are based on yearly income, with huge differences in coverage between states. Based on the info you have provided, it seems likely that you will not be eligible for subsidies, so a full coverage plan could easily cost you $1500 a month in premiums + additional expenses should you need to use it. A catastrophic only plan might be at little as $300/month, but then if something happens could cost you $15-20,000. These are just example numbers, you'll need to dig in deep to get specifics for your scenario, the point is to just understand healthcare can biggest biggest expense for the unemployed.

Regarding a "recession like never before" no can can know or predict that, and you shouldn't make your plans around it.

The last thing I want to offer is a suggestion that you consider another approach. The facts you have presented are 1) Your company is not fairly compensating you for the work being performed, 2) They are making no real attempts to improve the situation, 3) There is poor management, 4) You plan to leave this job. Assuming all of those are true, and assuming you have already tried to have a professional discussion with your manager and their manager about the situation (eg. requesting a compensation increase equivalent to the extra work being performed), I have a very important question for you: Why are you not acting your wage? If you are being paid for 1 job, why are you performing 2? If your salary was based off of a 40-50/hr workweek, why are you going above and beyond that? If you aren't profiting from all these extra hard work and mental load, why do you care about the value this company is able to extract from you?

I strongly suggest that whatever you do in terms of taking time off before another job, make a DECISION to start relieving some of your burnout right now. Slow down at work. Go home on time. If something "important" doesn't get done or a deadline doesn't get met, why do you care? Maybe wait until after your March bonus payout of course, and don't be "negligent" in the sense of not performing the basic duties your ONE actual job (not the additional roles you took on without pay) entails that can be accomplished in a 40/hr week, but don't go above and beyond. What are the possible repercussions? 1) They do nothing, and you get a lot more free time and less mental load. 2) They fire you without cause and you get up to ~12 weeks vacation (depends on state) of unemployment payments. 3) They attempt to document you not working extra hours or doing roles that aren't part of your job description, put you on a performance improvement plan, or any other similar nonsense to try to fire you with cause, and you'll have plenty of warning that it is time to give your notice and move on. All of these possible options seems better than just quitting and you should at least consider this approach.

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I drove a 1991 Camry until a couple years ago when the cat gave out and it was too expensive to replace with one that met my state's standards. Sold it to a friend who was moving out of state, they replaced with a generic cat and it's still going strong!

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We've met at several Wendy's

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That's because leadership class has cultivated a culture to hire suck ups to protect themselves from the consequences of cut corners rather than achieve goals and build cohesive teams which may sometimes pushing back against the mandates from above rather than based on reality on the ground from the managements clearer picture. I personally think units of co workers should be allowed to manage themselves towards objectives with adequate resources and professionalism rather than corporate stooge sycophants making excuses and blaming workers. Yes sometimes the employee is the problem with the unit but managers need to understand that the expression "if you meet an asshole in the morning you met an asshole, if you meet assholes all day your the asshole." In this case however it's more like "if a company or managers thinks a employee is a lazy entitled asshole they have a lazy entitled asshole for a employee they have a lazy entitled employee. If a company and it's leadership thinks the entire workforce is a bunch of lazy entitled pieces of shit, they are the lazy entitled pieces of shit."

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Not the inspectors I've met. They didn't even try being a contractor!

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Do you have a human resource department? You need to follow their advice if you do.

If you don’t have HR then you should have/setup a protocol for underperforming employees that is followed by all your employees. You don’t want to fire someone and have them come back and sue you and deal with that headache.

On average, how fast does it take for someone in their position to complete tasks? If you don’t have a rule or a metric for how many hard jobs people should take then maybe you can create a new expectation requiring employees to take a certain amount of specific tickets within a certain time period (maybe weekly) and then you start tracking who is meeting these expectations each week/month bringing it up on 1 on 1 discussions with all your employees. You should also have metrics in place to define what underperforming is.

After you have defined the expectations and it’s been communicated with the team what is expected then you can start figuring out verbal/written/fired protocols. You don’t need to have all that figured out the instant you give the expectations. If an employee asks what happens if expectations aren’t met you can tell them if there will be disciplinary action which could possibly lead to termination. You can have another meeting/email sent out later defining the disciplinary process.

Just remember you need to treat everyone fairly or you risk a lawsuit coming back where they tell you they were targeted and treated unfairly and they were a victim because they are too fucking stupid to understand anything in life. They might not say that last part, I’m just still bitter from having to watch previous bad employees of mine destroy a high functioning dream team I was managing.

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The company itself is kind of funny. Never profitable but always enough opportunities and hype to keep raising funds. They’ve been around since the early 90’s. Constantly running job ads. The few people I’ve met that worked there have been psychopaths.

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Recent Tweets
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AInvest Earnings Snapshot: ⚠️ Metlife, Inc. $MET released Q4 FY 2022 earnings report. Sales: 16.32B -18.78%YOY ⬇️ EPS: 1.56 9.66%YOY ⬆️ Net Profit Margin: 8.25% 36.85%YOY ⬆️ #AInvest #earnings #earningsinsight #investing #MET View more earnings details: https://t.co/O1THWAqbaJ
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METLIFE FOURTH-QUARTER PROFIT FALLS 33% $MET
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$MET Earnings: - Net income of $1.3 billion, or $1.66 per share - Adjusted earnings of $1.2 billion, or $1.55 per share - Adjusted earnings, excluding total notable items, of $1.2 billion, or $1.55 per share - ROE of 23.6% https://t.co/f245T33c2t
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$MET earnings after close cast your vote
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$MET Strike: 72.00 Expiration: 2023-02-03 Put .MET230203P72 Price: 0.83 Size: 3000 Time: 2023-02-01 1:57:56PM Premium: $249,000.00
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