Don’t see this one yet, but learn how to invest with small amounts. It first… Do these things:
First cut loving expenses where you can, such as: use less power, eat more rice and beans, don’t buy meat, take mass transit, or walk if possible.
Next ensure you stay healthy, always brush and floss, do basic exercise. Keep it simple to stuff you don’t need to buy, do pushups, situps, lunges, go jogging.
Then from the cost cutting, put some money into a savings account. Try to get to at least a month or two of living expenses.
Once you’re there (months of living expenses) open a free retail trading account such as E-Trade, or Robinhood. Buy what you can of the big ETF’s such as VTI, VOO, SPY, SPYG etc… do this every month and don’t get discouraged when it goes down. After a year you’ll start to see dividends payout (literally) they will be small at first. Never sell it, always let the dividend reinvest. After 2 years you’ll start to see a noticeable return on investment. After three it gets better yet… There is a YouTube channel called Chris invests that is really good for this kind of thing. I highly highly recommend it.
Think about it in a multi year strategy. So far, since it’s inception the market always goes up. Billionaires get richer when it goes up, even if hedge funds short the crap out of it, so it’s still a good bet.
Now I hope I don’t eat those words, but I’ve literally pulled myself out of poverty with this strategy which I started around 2007 or so. I’m not rich, I still have to work, but I can now have nice things.
It’s at it’s highest ever point? The whole point of growth ETFs is buy and forget, you’re not supposed to check it everyday and be upset when you’ve “lost” money because the markets are down from the day before.
I have not heard this. Speaking from the perspective of a person whose parents considered pretty much everything to be satanic I just assumed it is because it is new and new must mean bad.
Be a cold day in hell before I respect a single aspect of Christianity
I usually leave dirty socks, t-shirts and briefings on the floor. This along with a well-placed bowl of soggy cereals, one or two almost empty wine glasses and the usual opened envelopes make it a very homely place for me and random people who visit from time to time
I also take some used needles and a singular crack pipe and orderly lay them on the cigarette-burned rug. My family would say they really tie the basement together.
Tom Cruise is the easy answer for obvious, cultist, related reasons. And as much as I love Donnie Yen in basically everything he has ever done, he is a hardcore CCP shill at best and there is a LOT of really creepy and questionable shit in his casting and “writing” that makes me wonder when he fucks up so bad that even China cares.
But, generally, the rule that a friend “coined” is: How bad are they compared to Mel Gibson? And while that is mostly a “funny” way to look at stuff, it is also useful to keep in mind regarding the different scale of assholes. And it also depends on what they are bad about.
Also, I still like pro wrestling. That shit is a minefield.
But to provide an answer that didn’t seem to come up yet:
Nobuhiro Watsuki. Creator of Rurouni Kenshin and such a pedophile that even the Japanese government gave a shit (and… just spend five minutes on the fifth floor of any manga shop and you’ll understand how massively fucked of a scale that is. Or walk down the streets of Akihabara at night).
But also? The Rurouni Kenshin anime is still one of the GOATs… for the Kyoto arc. Even if there is a lot of shit in the arcs surrounding it and the overall story of Kenshin that REALLY makes a lot of sense when you understand how evil the creator is… And the live action adaptations are a must watch for any fan of action movies because it is probably still the greatest blend of wire work, fight choreography, and “style” to ever exist (I hear the Yu Yu Hakusho live action taps into the same vein).
One of those things where I will be a lot happier when that piece of shit is dead and unable to benefit from sales.
This wasn’t what you asked for, but I have to add it in here: I switched to YouTube music because I was told the shuffle actually was random there. From my experience the past couple of months it seems to be the case, at the very least it’s better. But discovering new music (without putting in much effort) has been harder. Their playlist sorting is non-existent (you’re stuck with alphabetic order, no folders). And for some idiotic reason the playlists are shared with YouTube… Everything with it, except for its working shuffle, is horrendous.
How the fuck can Spotify just not have a true fucking random shuffle, it’s so annoying! It does everything else fairly well, but I’m not switching back to starting a playlist of 8+ hrs and getting a recognizable pattern depending on what I skip and don’t. Or whatever goddamn algorithm they think is better than /dev/urandom.
I actually looked for that after you mentioned it on the Spotify app but couldn’t find it. Mind saying where it is? Or you’re referencing the outside shuffle website.
Thanks, maybe I should really Check that and Apple music out… still frustrating, as no option seems to be great. How can that be, after so many years of music services? What are all those developers doing? Are they stuck in scrum meeting timeloops?
spotifyshuffler.com this is what I use. To shuffle liked songs, use the desktop app, go to liked songs, ctrl-a, right click, add to new playlist. Then that playlist can be shuffled with that tool and you play it in spotify with shuffle turned off (since the song order is already random). I’ve heard a lot of songs I haven’t heard in forever so it’s super nice
It’s kind of a big list. Mostly actors and filmmakers, but also game designers and developers and executive producers. Some of the biggest pieces of shit have played a role in some great movies and other artistic projects. 🤷🏻♂️
Sign up for a health savings account and USE IT. (United States specific advice.)
It lowers your taxable income. The only caveat is you have to remember to use that money to buy things you were already going to buy anyway. Convenient hack to know what you can and can’t use: Doordash now labels HSA-eligible items at CVS. You don’t have to actually use Doordash to see which items you can buy with your HSA card.
You actually don’t have to spend money with an HSA, ever. You can invest it, and it rolls over. FSAs must be spent within the year you contribute, though.
Sorry, I didn’t say that clearly. What I mean is you have to remember to use the damn HSA card when you go to buy Tylenol instead of your normal payment method. This is…where I tend to fail lol
It’s also good to not use it, if you can afford to keep it and spend normally. HSA space is extremely limited, because it’s by far the best retirement account available. FSAs are fantastic for spending, as they don’t have as many restrictions and don’t carry over year over year.
If you save the receipt you can send it in to your HSA provider and have the expense reimbursed from your HSA. You can do this for many many years after the actual purchase date
There is a massive list of HSA eligible expenses, too. I am not advocating that people go out and spend their HSA money frivolously, but if you need to buy something that seems medical-related and you already have HSA funds, maybe look into getting reimbursed.
The coolest one to me is if you’re overweight or at risk for things like diabetes or atherosclerosis you may be able to get your doctor to write you a note allowing you to get things like fitness classes, gym membership fees, or fitness equipment (stationary bike, treadmill, etc.) paid with your HSA funds. In many cases prevention is the cure, and exercise is hugely hugely beneficial in preventing and managing a wide range of maladies so if you stick to it you may actually be saving yourself an even bigger medical expense down the line.
I still can’t justify people stealing stuff they don’t need so they can resell it for a quick buck. Especially people stealing from independent businesses.
I mean, yeah, sure. …but I’m still conflicted about the local heroin addicts standing in the frozen aisle scarfing a bucket of ice cream.
I mean, I don’t really give a shit about the theft, but they tend to stand there with the door open and thaw the rest of the ice cream while they’re at it. It’s enough of an issue locally that a couple of local chains have literally started chaining up their ice cream like it’s the goddamn crown jewels. I just want non-crystallized ice cream!
Also… In my experience, people mostly don’t steal food outside of cases like having the heroin hungries. Food banks do an okay job at keeping people fed at least. (Aside: When you donate to your local food bank, donate money, not food! They can buy much more food in bulk - your dollars will go farther that way!) Mostly, I see people stealing things like resaleable electronics or OTC drugs that have useful precursor chems.
Don’t get me wrong - I know fuckin’ Krogers can take it. I just see this meme about seeing people stealing food and like… That’s mostly not a thing. Food banks and food stamps work okay. They aren’t great, the food often sucks - but generally speaking, you don’t have to steal food to survive when you’re poor in America. You might need to steal drugs and airpods though.
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