Lurker > blu

140k base pay
you should be looking at total compensation

Bernie is really just running on giving away free stuff. Hes as much of a caricature as trump is.

his final answer in the Nevada debate shows that he is still a corrupt politician. Not wanting to follow process to gain an unfair advantage, trying to manipulate the people to see the process as rigged if he doesnt get nominated.

Buttigieg > Bloomberg > Biden > Trump > Sanders > Klobuchar > Warren

ParanoidObsessive posted...

http://www.amazon.com/Golden-Age-Piracy-Behind-Pirate-ebook/dp/B01HDVCJZW
http://www.amazon.com/Under-Black-Flag-Romance-Reality/dp/081297722X
http://www.amazon.com/Republic-Pirates-Surprising-Caribbean-Brought/dp/B013XCV1OU
http://www.amazon.com/Black-Flags-Blue-Waters-Notorious/dp/B07J2PWHHC

Those are all pretty good books I've read. Most of them should be available at Barnes & Noble if you go there as well.

thanks man. Adding them to my library list. Any good swashbucklers also?

Terrible to read on a tablet. Need to do it in a laptop.

She can do basic ones like 6x10, but she doesnt have the grid from 1x1 to 10x10 down without using a calculator for something like 6x7 or 9x4.

which isnt an exaggeration to say you dont know your times tables, which should be values anyone can say within a second or two.

For 13% Id estimate just do n/10 then add about a third of that. Or get my phone out if I need to be exact or confident.

Funny, emotional, good action.

So because its topic relevant.

Has anyone read Mathemagics? Theres an app too, but basically it simplifies some calculations do you can do more complex things in your head. Kinda cool and I think its useful, but it is just memorizing some tricks.

LinkPizza posted...

Didn't you say you had an offer to work in a career field you liked? Also, maybe it's the way you say it. The way you talk about it sounds like bragging. Even if you don't see it. Which is why people always tell you you're bragging. Even now, it sounds like bragging...

The trade offs just werent really worth it to take the position I wouldve liked more. Very Similar work as Im very specialized, but better atmosphere.

I do know a couple single 28ish year olds, just not many. Its probably geographic and social-circle related.

HornedLion posted...

Favorited!

By the numbers youre crunching, Im guessing youre making 60-80k more than I am.... which means youre close to 200, no? You dont have to answer that, thats personal. But yeah.

All I know is that I already proclaimed 2020 to be a money making year, I am planning on working on more revenue streams. With that said... I think you should try to open up a side business.

140k base, 7k 403b match, 457b serves as second retirement account with pre-tax investments, a few thousand in bonuses and different employer reward programs. I split expenses with my SO (me paying 2/3 of them and her 1/3) so I spend about 20-25k annually. I do some credit card churning to get some more (two cards right now will get you 2kish in free flights plus bring a buddy for free).

Its very unlikely I dont get that initial 30% raise I mentioned, Ill get the other eventually but maybe have to switch offices if I want it. Theres also possibly one more but that one depends on my dedication to finding where would offer that much.

LinkPizza posted...

Things do indeed happen. But with blu, Idk. It's either something he made up, or stealth bragging, or both... Well, it normally seems to be, at least...

Having a girlfriend isnt bragging to me. Like I dont know many people who are single and 28.

Idk, like I dont have a lot going on in life other than having been working on a career I dislike and dating/relationship, so its what I talk about. I got big into personal finances for a year so talked about money more than the board cares for. Im gaining some fat working in an office so Ill hopefully talk about fitness soon.

wolfy42 posted...

Actually it's an interesting question, should we focus on teaching our children information or methods that they have constant and easy access to with the internet/phones etc?

I would argue something as simple as basic multipllcation should at least still be taught as it allows you to do many things in life, quickly, without needing to stop and pull out your phone etc. That argument though, does fail a bit when you realize how often mistakes are made because people have not USED those skills for years and when they try, they often make mistakes.

Perhaps actually having people use a calculator every time, might cost a bit of time, but save a ton of effort/money in the long term due to less errors.

Meanwhile, should we focus on exact dates etc, or just general knowledge, since you can look up exact facts now anywhere. Perhaps education at this point should focus more on actually using our resources to find answers you want, and providing children with the methods to teach themselves, more than the traditional memorization that was primarily used.

Mental back of the hand calculations are huge in my every day life. My friends comment they find it weird how I calculate everything, but I find knowing relative quantities to put things in perspective as incredibly useful.

Oh yeah, just wanted to plug this blog post. Mad Fientist is a good podcast to listen to about finance.

https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/

HornedLion posted...

Nice, bro!

If I dont get brave enough for RE (really just for leverage) or to start my own business, I should be able to have 1.5MM in there by 40 and live off the interest with my current pay rate. More if I get a raise (and a 30% raise once or twice is pretty likely).

4% SWR is the advice for a 30 year retirement, but really Id aim for 2% because Id feel safer and Id want it to grow for medical and retirement home stuff in retirement,

FatalAccident posted...

Still feels so surreal, somewhere Id only ever seen in movies for the past 20 something years. And then going there, and its exactly like you see in the movies with steam coming out of the ground and hot dog stands and news stands round every corner and shit.

Where else can I go in the US? People on PotD and a few friends have said to avoid Miami and LA. The latter would work if Im doing a more general road trip around west coast and have LA as a small part of it?

I had my first trip to NYC in December. Hotel on Times Square across from the Hamilton theater.

I was pretty unimpressed. It felt like a giant outdoor shopping mall. But I was surprised how it was exactly like what you see in the movies. I think if I hadnt seen it in the movies so much it would have been a different experience. But I feel a lot of travel will be kinda dull for me because I know what to expect. I need to find out another way to travel or somewhere else to go maybe, more adventure type locations.

Calculators exist, you know? V_V

This goes up with how she thought we were moving to Pennsylvania since its nearby my friends and family in Utah.

Or how she spent three and a half years in college and wasnt close to a degree because she only took classes to hang out with her friends and not based on degree requirement.

Ugh, man. Shes fun to be around, but she cant think past tomorrow.

Yes.

Brokerage: VTSAX
IRA: VTSAX
HSA: I forget, I think I did a Vanguard target date as far out as possible
403b: VIGIX
457b: VIGIX

I put a bit over 50k away in stock last year. For sure another 50k this year since thats tax advantaged, and Im debating between doing an extra 30k in VTSAX or trying to put it towards starting a side business or buying rentals.

Cant stand Bernie. Would probably not vote if it was him vs trump as I wouldnt care who got elected.

Yellow posted...

A cat consumes roughly 18 ml of oxygen in a minute of oxygen while under anesthesia according to this study from 1954

https://www.sciencedirect.com/science/article/pii/S0007091217473491/pdf?md5=5632194f314988fd7cc85e57c0654e87&pid=1-s2.0-S0007091217473491-main.pdf

Double the oxygen consumption for a conscious cat and say 36 ml/min.

The oxygen percentage of the air is 20.95%. In a human "Death occurs in 8 minutes at 6 percent to 8 percent oxygen; recovery is possible after 4 to 5 minutes if oxygen is restored."

There are roughly 22.5 to 31 cubic feet in a fridge. Take 22 because of the extra crap in it. 622971 ml.

Multiply by 0.2095, 130512 ml of that is oxygen. Death will occur when 37378-49837 ml of oxygen remains. Your range is 93134 - 80675 of ml/min.

Your cat had roughly 2587 - 2240 minutes to live in your fridge.
Your cat had roughly 43 - 37 hours to live in your fridge.

By comparison, a human has roughly 5.5 hours until death in a coffin.
https://www.popsci.com/article/science/how-long-could-you-survive-coffin-if-you-were-buried-alive/

Why did I do that

I agree with your work. Kitty seems safe. Gets back into the fridge ever chance he gets. Here he is drinking milk from a wine glass.

https://imgur.com/a/uHNIIVo

I feel so bad, I came home from work today (luckily I left early for an appointment, was only at work 8 hours) and found my cat in the refrigerator. He must've jumped in while I was closing and and I didn't notice.

I am worried he might have brain damage. He acts all normal, he seemed a little groggy when I opened it up but it went away in like 20 seconds. Not sure if it was because he was asleep or the light, I hope the little guy didn't have any oxygen issues :(

OniRonin posted...

are you rottenmonk

no

jmikla posted...

Nice. Our grad students (at MS or PhD levels) dont get more than 30$/hr at 30hr/week for two semesters. Makes it challenging to recruit higher caliber students.

We only take PhD students who can support themselves with a job (commonly one offered by the university to its own graduates). MS Ones made 12.5k for 10h a week

Is overwatch still active? I want something popular with casuals who are at my level and not just old pros left, maybe a shooter of some sort. Team based or free for all. Any good recs?

There's a few upgrades to increase the profit ratios you get from the stock market.

https://www.decisionproblem.com/paperclips/

Takes a couple of hours to reach the end. Cool story though.

I also am really enjoying kittens game. It's a bit more traditional than universal paperclips in terms of not really having an end or a big story, but there's just so much going on it doesn't get boring. It's not just more of the same thing with a different name, but the game strategy is constantly changing.

Jen0125 posted...
It's all he does lol

Grad school -> residency -> job and getting together with my current gf and dating my previous gf have basically been my entire life for the past five years. Before that I focused on doing great at school and coming out debt free. Being a professional in a competitive field blows. I'd much rather have been with people who cared about having a life, but instead I'm with people who view you as ****** person for not wanting to work 60h every week (or 80h 'when I was your age'). I used to post a lot more about books and video games and interesting topics in high school, but that hasnt been my life recently.

JOExHIGASHI posted...
Go for PhD

Statistically people reach a plateau of happiness after 100k so more money won't make you happier than your are now.

I'm somewhat frugal, basically anything over 25k goes into an early retirement fund. It I was just spending the money it would be an easy decision. Assuming 50k spending each year (because I want to overdo my calculation), $1,250,000 basically will cover me for the rest of my life with the interest. I would enjoy the process of the PhD and having the more laid back position.

Blighboy posted...
"While researching brain cancer I accidentally cured the Corona Virus"

None of those have been my gimmicksbut my thesis was largely about brain cancer treatment. Nothing worthwhile, but it got me a degree.

TheWitchMorgana posted...
dude there's no way your quality of life is increasing much if at all anywhere inside this range lol. have some perspective

You are very right about this. I spend about 25k and funnel the rest into index funds. The difference isn't necessarily about what I spend each year, but for when I get to 'retire'. Assuming 50k spending each year (because I want to overdo my calculation), $1,250,000 basically will cover me for the rest of my life with the interest. If I had to work until 60-65 Id have another job within a year, early retirement complicates it for me.

Sarcasthma posted...
Do you think blu and Ohhja race their yachts?

Its been a while. I dont know this guy. I have no interest in a yacht, I dont think I ever even want more than my one bedroom apartment. I just want my freedom. Baylor was the snobby rich guy I knew of here...kinda miss that guy.

time PhD there. Full time work plus part time PhD. I loved my time there, and dislike my current workplace.

right now Im making 140k likely to go up to 180k within two years. I could possibly swing for 220k-260k doing Locum assignments if I wanted to live in hotel (and Id work less).

Really tough life decision here. Ive always dreamed of a PhD, but also of financial independence at a young age. A PhD in my field isnt specifically worthwhile or my first choice of fields, but its commonplace and a childhood dream and would be somewhat interesting and open up careers in science writing or university teaching.

WastelandCowboy posted...

Look at OP flexing his money spending. Soo cool! I want to be just like him.

/s

That's why I let you know what cards have the bonuses. This is a free $2200, basically. $4400ish after counting my gfs free flights. Pre-tax that would be $6600ish. Anyone here could do it, even if you have to put rent on a credit card (and pay the convenience fee) you come out ahead.

pedro45 posted...

So you were rewarded for spending a ton of money?
Did you pay it off right away?

I was more rewarded for signing up for the cards than for the money spending. One card is 5k within three months and one card is 5k within six months, which both are pretty reasonable considering you can buy gift cards for groceries and amazon and such. Especially for college students, whose universities may allow you to pay for tuition, dorm, and books with a credit card.

Yes, I've never paid interest on a credit card in my life.

. all my fights for just $5 per segment by earning the Southwest companion pass.

Southwest performance business credit card
Southwest rapid rewards plus credit card

Plus I got 10k for spending 10k on gift cards and auto insurance and business stuff and stuff.

Im considering getting the original for iPad. How is it?

Go with the default path. I wouldnt mix it up.

Noop_Noop posted...

mostly death metal for me. i cant abide that clean singing garbage in my metal

and again, actual talent. sex appeal is not a talent.

dio and maiden not kvlt enough for you?

i thought it was just Im not in the intended age group or had nostalgia, so watched a couple random episodes from older and newer and also shows Ive never seen before.

Disney shows now have really stupid humor and less about life lessons than before.

helly

you got me into dresden files over a decade ago

thank you

idk man, I like hanging out with my girlfriend. She's really nice and understanding, we've been living with each other for a year now.

She's just bad with money and lazy and messy. Blames it on depression, doesn't go exercise or see a therapist. Doesn't care about anything other than social media and has no hobbies or interests outside of watching sitcoms. No interest in travel other than to Disney World. The few things she does like seems to be things her parents decided on and were parts of her childhood. Makes decisions she knows is bad, lets them snowball. Will spend 11-12 hours in bed on the weekend.

She's super nice and supportive. I initially thought we had a lot in common, but her personality is to just morph and make everyone around her happy. I mentioned it and she said she just wants to make everyone around her happy, and it's fine to just agree with them about everything because that's what makes people happy. It's like she has no autonomy and is purely reactive.

consider weak AF.

Like Signs builds in Witcher 3. Go between hearing it's so OP it ruins the game and that it's weak AF.

And the Gourmet skill. Ruins the game completely it's so OP and also hear it is useless.

Never know what to trust these days. Stupid internet!

https://imgur.com/a/wLASTsW

I'm pretty annoyed by that. Obviously abusing the return "item not as described" feature.

Called eBay. Said if I didn't return it then they would force the return, I wouldn't have to get the item back, I'd still be charged seller fees, and I'd get a ding on my account.

eBay said to offer free returns and then buyers will be more honest and you might be able to have them pay for shipping.