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Same here in NW Florida. 70 today, 21 overnight Tuesday/Wednesday. Although not the snow/ice.

It's shareholder owned. Basically by buying a fund with Vanguard, you're also buying an ownership stake in Vanguard itself. It's why Vanguard was the first to have such outrageously low fees.

I'm confused by her getting out of the pit at the end. Nothing has changed, she was originally armed like that and was hiding because they're all looking for her. Weird dude killing 3 of them changes none of that. The choice of YMCA was also really fucking strange for the cavalry arriving. And...

Seems like a weird stance to take, to completely shut yourself out from a financial instrument. Had they said "we currently have no plans but are open to it possibly in the future if x, y, or z" happens, that would make more sense.

No worries, we can just repost that image I think Jysin posted the other day where debt numbers came in like 3x higher than expected.

Damnit, lows forecast to be in the 20's Monday/Tuesday. Was really hoping we wouldn't drop below freezing this year since we've made it this far. I don't want to drain my sprinkler pump.

Wasn't sure what thread to put this in, but it was incredibly interesting. And a bit infuriating. Rick Beato sat down with a former Geffen exec to talk about how the Telecommunications Act killed music.

Very active thread recently. https://www.theguardian.com/film/2024/jan/05/glynis-johns-dead-mrs-banks-mary-poppins

In fairness, I think one person did bring up that since it's a multiverse person thing, they could cast a white guy. But yeah, it's pretty sad.

Not exactly the AI you're talking about (and maybe it's been discussed elsewhere, like the Guitar Thread in the past), but I just found Moises and holy shit is it amazing. Using it to make drumless tracks to drum along to. But you can basically separate out any instrument, do things like change...

That's the same logic as, if you jump, why doesn't the earth rotate underneath you?

Seems like you'd take the profits off the board at the end of the year, not burden yourself with a nice fat capital gains hit to start the year off.

2024 off to a phenomenal start. Red every single day! Hope this isn't a repeat of 2022.

The market has always gone up...until it doesn't. It's basically a caveat saying that yes, it's been the trend for a very, very long time, but nothing is guaranteed.

This band confounds me. Got lost in a hole of them today. Apologies to anyone already familiar (it's always annoying when someone discovers a band you've been listening to forever). It's like they just said "fuck genres" and make great music. Like, how is this the same band? Also, if you like...

I'm not really a metal guy, but I came across Sleep Token the other day as I'm getting more into this whole drumming thing. The first part of this song seems like standard metal-fare, but there's something about the last minute and a half that just fucking slaps for some reason. I can't...

Weird...

For me it was @Lendarios and Xequetal or whatever the fuck (apparently not a user anymore?). Put them both on ignore and that made it a lot easier.

5350

I already explained I'm too retarded for these subtle jokes.

In other news, ran a preliminary portfolio total (do it quarterly now) and we're looking to finish out 2023 at about the same net worth we had at the end of 2021. Which is pretty amazing when you consider we've taken out two whole years worth of living expenses and the market is at just about...

What'd I do this time? Is it because of my digital blackface avatar?

We started with Edward Jones back in like 2005 or so using my deployment money to open IRA's. It wasn't until about 2014 when I finally got serious about saving that we dumped them. On the plus side, it wasn't a ton of money (something like $80k by the time we left). On the minus though, that...

For the early retirement community, they divide up the timeline into 3 phases. You're in the exciting new phase where all the information is new and you want to consume it all and invest your ass off. The majority of it is known as the "boring middle." You've basically read the same variation...

Assets Under Management. All of the assets he's managing for you. If that's $200,000, he's earing 0.5% of all of the assets ($1,000). Every year.

I really like the JLCollins stock series. It's a good read for the whole thing, but it'll take some time to get through it all (he made the whole thing a book, but it's still free in web format). Here's his response to international Stocks — Part XI: International Funds tldr: The biggest...

This is the big thing people get caught up in, and @Foler seems to be a little too as he gets excited about this and wants to fiddle. It's not complicated. At all. Your brain has a hard time accepting that, though. It says, "well there are all these people in finance, there's got to be some...

"In the passenger seat was a charcoal briquette." What the fuck?

Got my scholar wrapped up and my Blackstar awakening (figure I'll convert the one I had to Godr and use this just for hammers). Went 0/2 on it. Also went 0/5 on the mythical centers. Think I'm at 17 failstacks for that. So for all that shit they gave us, I'm exactly where I started. Fun game.

Pretty much my problem with the last John Wick movie. Probably the 3rd as well. How many fucking assassins are there? And how is there so much work for them when they're clearly so shit at it.

Saved myself 2 hours and 8 minutes.

If you never grind ever, probably look up which of your three sells for the most and replace that. But otherwise, replace main weapon first for succession. I completely missed that they changed Tuvala to be even easier. I don't know why they even bother at this point, just give people it at...

I'm only a minute into it, but I was eating and when Rich said "what about the director of that Dungeons & Dragons movie" I spit food everywhere. I don't normally spit take it, but for some reason that one killed me.

This is fucking infuriating to watch. I think I've watched one or two other videos of his, but this bitch...I don't think I could sit in the same room with her without choking her to death.

That seems terrible? Although, I guess it depends on the scaling. 10% of 99 is like 30 million exp. Which is about half a level in the 70's. But I guess if the mobs are like level 90, maybe it gives a bonus?

How do you find a 5 way carry? How much do they cost? And can I survive it?

What's the best way to go about leveling a 2nd character after the campaign? I'm at 75 and I really want those points.

The markets have averaged 10% with data from the Great Depression, WWI and WWII, 70's stagflation, the dotcom crash, 2008 Recession, and covid. There's a reason I predicted 28% for this year.

Vegas Vacation is a good movie. I imagine this is more like the Vacation "remake" with Ed Helms as Rusty. That thing was an abomination.

I still like total market funds (VTSAX for Vanguard, or FSKAX for Fidelity). You get the small caps that the S&P misses. Now, small caps have performed like shit since covid, but if you're making a bet on the US economy and not just the tech stocks, it makes sense to me.