I recently looped back to rimworld.

I was playing a bunch of frostpunk 2, then a little frostpunk 1, and then bounced between the two of them. But in the end all gaming comes back to rimworld…

Also up vote because obviously the only correct answer. It was based on golden source material. Therefore could not fail.

When it is easy bull markets, I go heavy on growth stocks. When the market is bear, I go heavy on dividends. Right now though there is a high beta turmoil, so I have a mix of both. My IRA is also set up as more od a “leave this alone” investment. My etrade account has my “fuck around and find out” money. I mention this because it is hard to directly compare the two. So far my dividends have strongly out performed the growth stocks, but only in the last 3 months or so has the gap widened. I credit it to 2 specific ones that are getting me 30%-ish yields with stable prices. They are also new etf’s, so the hedge money is still strong before the stripping gets to its prices. I mentioned in a post lower that that my little under 30k is netting me 800/month. Honestly it is paying a higher yield than renting out my condo is getting me.

It is also called ‘dividend stripping’.

Also yes. The more professional name is ‘dividend capture strategy’. More work, worth the pay off, do all you can to avoid commissions and fees.

Little under 30k in higher risk dividend. Bring in about 800 a month.

I have a mix of large cap, small cap growth stocks, then dividend high risk and low risk. Stock like this (I do not own PETS, I was just using it as an example) would be a high risk due to its price instability. But you mitigate that with stop loss orders.

I have a vanguard/roth for my longs (large cap growths and stable dividends with DRIP) and then use etrade for the small cap or high risk ones. I like their tax documents and easy interface.

People make arguments against dividend stocks, I simply call it a different strategy. Some years it beats out my growths, some years it is about on par. Depends on where I have it at the time and slightly more market dependant.

I have recently gotten into ex-date chasing. While it has increased the returns, it is more work.

Sure. It is still a lower rate than going into dividend stocks.

PETS, sorry, don’t know why my phone cut off the ‘S’.

PETMED EXPRESS INC COM

$10,000 at 4% gives you $400 interest in one year.

Just about any decent dividend stock will outperform that. Look at PET for example. It is sitting at $3.65/share right now and offers a quarterly dividend of $0.30. That puts you at $1.20/share per year. 10k = 2739 shares = $3,286.80 dividend payout in one year.

Banks are the worst place to put investments. Money in bank accounts are only supposed to be there if you need it liquid, like an emergency fund or your checking account.

*PETS

PETMED EXPRESS INC COM

For all the nay sayers downvoting me as if it is impossible to find dividend stocks that outperform their precious SPY or high yield savings rates, here is a great list I found with shit loads. I count 60 different stocks that offer 10% yields or more. 100 in total all offering over 8% -double what some bullshit ‘high yield’ savings offers.

https://www.tradingview.com/markets/stocks-usa/market-movers-high-dividend/

I am a fan of all good sci-fi, regardless of the time it was made or the limits of the budget. This one is on the list. I will warn others as it has been pointed out- very rape centric plot and story beats. Be sure to watch it with a good level of suspension of disbelief and understanding of the setting. Beyond that, it is one of the best post apocalyptic stories out there and I wish it was redone with more plot, tighter story, and less rape related with the exception of the Topeka plot line. Highly recommend for anyone who enjoys old sci fi or post apoc.

You would be surprised. If you worked a decent job early in life, moved up the ladder, retired as upper middle class making $250k-ish, it is kind of expected to have about 2-3 mil in your retirement. Hell, if you work a half way decent government job and invested wisely your entire life and didn’t have stupid amounts of debt, you should have about a mil in retirement.

1 mil in retirement gives you about 5,500 per month at a growth rate of 6%, withdraw rate of 3%, and annual inflation at 3%. The current recommended retirement is a little under a mil.

As far as retirement funds counting as tradable assets, that is how your 401k accounts work. It is literally a stock market account. The question comes down to when the tax is paid, pre or post withdrawal. In a roth IRA you pay the tax coming in. In a traditional IRA you pay tax when the money comes out. Either way, as long as the money stays in the account you can make it liquid, put it in a stock, bond, mutual fund, whatever you want as long as the account can do it; but in the end it is in a trading account and short of the cash in there, it is a tradable asset.

Biggest argument people are going to have against this is reading the headline and then realizing most their retirement is in the form of unrealized gains. But if you then just read the qualifier of $100 million, you will quickly realize we are not talking about normal people here. We aren’t even talking about normal rich people. We are talking about the 1% of 1% people.

I think they left out the most obvious questions-

Are you super rich?

Can you afford elective heath operations that will potentially prevent life ending illnesses or affliction?

Can you afford expensive lifestyles tailored for your health?

Can you afford to reduce all forms of stress in your life and live with no worries?

Congenital? No. Acquired? Yes. The area of the brain that processes and interprets sound has to develop. Without sound input as a child, that won’t happen.

Current leading theory of tinnitus is called the ‘central gain’ theory. This is where the brain becomes accustomed to seeing signals from the ear at a certain level, and when that neural level is no longer at that level it will add in its own noise to make up the difference. This noise is then perceived as a tone or sometimes a broadband sound, commonly described as either a ringing or a whooshing sound. Sometimes it can also be described as crickets. Depends on the person and cause. Not all hearing loss comes with tinnitus, but most tinnitus comes with hearing loss. In audiology school we had a whole class on tinnitus and covered many interesting aspects exactly like your shower thought here and went over papers on every angle you could think of. It was fun. But in the end, the brain has to at a minimum know what sound is to even perceive sound.

While China is quickly becoming a global leader in clean energy adoption, it still has some work to do. The nation still relies heavily on coal-fired power plants and will need to retire those facilities in favor of more sustainable options in order to truly offset its CO2 emissions.

This is a bit of an understatement. China leads the world in both renewable energy usage AND coal use. And by a lot. Then they also lead in steel production with older blast and coke furnaces that are super CO2 intensive. And in concrete production and use, also super CO2 intensive.

I’m not trying to shit on the progress they have made. It is nice to see them taking this more serious than some others. But this article kind of green washes their energy, overplaying their renewables and not even mentioning their dirty power.

In the army we called that lube the whale sperm. I’m not even joking. It is called LSA, and the cold weather one is LSA-T. But when you have a bunch of young 20’s infantry guys we just called it the whale sperm.

Not a coincidence. If you look at the flash/recoil compensator it looks like a classic 3 way with the tearing starting on the openings.

Seriously. We are talking about tire tread compared to weight. Both use multiple sizes of tire depending on the year/model. There are a few that overlap in diameter to get the closest to comparison but they still have a very different width. We are talking about a 235/35R18 vs a 235/75R18. That is a huge difference in wall height/aspect ratio and changes how the tire gives under power. Those numbers massively change depending on model as well. Something like an f150 raptor could have a 315/70R17, almost a foot wide. So comparing just the weight and saying they are close enough is far from a fair comparison.

While I am of the camp that we will not stop using them any time soon due to their other uses (plastics, lubricants, synthetics, ect.) I strongly feel that we should stop burning them. There is no reason for the emission and GHGs to continue. Though I also wish we could put more effort into finding total fossil fuel replacement for the other uses as well.

And? What were the results?? This man has done science for us, what were the results?!?!?