That Itch You Can't Rant About (The Rant Thread)

[N-o-l-a 7,167]

1 hour ago, SAT said:

And this one apparently got here on DV lottery...now she's a DV victim (Domestic Violence)

 

https://nypost.com/2019/06/22/slain-staten-island-mom-was-service-member-naturalized-by-obama/

 

That is so sad. 🙁 Especially the children.  

[SAT 9,609]

19 minutes ago, N-o-l-a said:

 

That is so sad. 🙁 Especially the children.  

Yeah...

[SAT 9,609]

My wife, she's retarded again...

She can't understand why I don't just pay cash for a new car.

It's a bad year for car dealers. And the summer months are even worse. Interest rate on a fairly new used car is 2-3%. 

If I finance 20k over 5, what's that come to? About 300 a month? 

She can't understand that if I finance the 20k, I'd have the 20k in my pocket that I can invest and get 10% all day long! Minus taxes and service fees, I'm still ahead by 5%. 

So she does her pygmy math, and said "but that's only about 10000 profit over 5 years"

I'm like "sigh, yeah but you'd have the car, and your original 20k!"

She still doesn't understand.

Fuggit I gave up trying to explain...

 

 

[SAT 9,609]

 

Next, my citi exec friend, the wife- half. 

 

"Do you have a power washer that we can borrow?"

 

Me, "yes, but why don't you go buy your own power washer ya cheapskate! It's a hundred bucks"

[SAT 9,609]

 

See, my wife is still sick in her fook mentality along with her schmuck friends. All she can think of is that we'd have to pay interest. Not understanding that we'd be making it back from another source. This is all her friends. That's what they do...

[SAT 9,609]

 

 

Oh man I gotta get to the office. I'm so...blah...

 

[Russ&Caro 1,549]

6 minutes ago, SAT said:

I can invest and get 10% all day long!

Man, I'd love to get 10% on any of my investments.

 

That said, you're right about purchases made on super low interest rates. It still amazes me that I got a 3.75%/30 yr mortgage for a $212k house with only a $4k down payment and no mortgage insurance, 3 years ago, in a market that's booming. It's like someone handed me $208k and said, "go play with this money and we don't care if the money earns you 2-3% growth annually in a hot real estate market for 30 years... we just want your principle and low interest payment on time, each month."

[SAT 9,609]

Any 401, IRA, asset manager,  stock portfolio should get you the bare minimum 10% annual for many consecutive years. 

 

If you're not getting that, you should be tinkering with it. 

 

Some funds have average returns of 15-20% annual return for 20, 30 consecutive years. Where are you looking? 

 

Ever heard of a "target fund"?

Pick a year, they start high risk high return, then as you get closer to your target date, they reallocate gradually to lower risk lower return to stabilize. 

[SAT 9,609]

 

13% for 17 years

 

https://www.troweprice.com/personal-investing/tools/fund-research/TRRCX#content-performance

[SAT 9,609]

 

Sorry, 10 years. 

 

[SAT 9,609]

https://www.troweprice.com/personal-investing/tools/fund-research/PRMTX#content-performance

 

14% for 26 years. 

 

 

[SAT 9,609]

Don't get in now tho. 

Market is way high. 

 

Sell in May- go away...

[TBoneTX 45,309]

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[TBoneTX 45,309]

5 hours ago, mrmvkjts said:

fuzzy ball sounds like a fun game!

It is, si FQA ma'am.

Imagine a soft ping-pong ball with asteroid-like projections, mentally see ma'am.

We toss over miu's head, high toss man.

Miu catches in midair or chases after for pouncing, hunt ball miu man.

Or, miu hides just out of view to spring out at tossed ball, attack ball miu man.

-----

Miu actually ate breakfast, ingest dry food miu man.

Then shot miu, insulin injection into unhappy miu by we man.

[TBoneTX 45,309]

2 hours ago, SAT said:

No comments.

LPoP and unread, no see or comment we man.