jrock08
Joined 12 years ago
Joined 12 years ago
However, if you really just want to park money for 20 years, you probably want a target year fund like [2] which will have higher risk now (stocks, REITs, etc), and rebalance to lower risk (Bonds) as it gets closer to 2040. It's literally the definition of set it and forget it.
[1] https://personal.vanguard.com/us/funds/snapshot?FundId=0123&...
[2] https://personal.vanguard.com/us/funds/snapshot?FundId=0696&...
edit: I should add, I'm not your financial advisor, and I don't have a fiduciary duty. You should consult with a financial advisor (who has a fiduciary duty) before making any decisions about investments. However, target year funds are frequently (one of) the best decisions for many people.
Showing pictures of a massacre
Showing pictures or video from a war
Reading a graphic account of a soldier from war
Showing pictures of mass graves (esp where body parts are identifiable)
Showing pictures or video of a rape (even if a scene from a movie)
Showing pictures of the evidence from a rape
Reading a graphic account of a rape victim
http://emojipedia.org/octopus/ http://emojipedia.org/ghost/ http://emojipedia.org/monkey/
[1] http://abcnews.go.com/Politics/OTUS/voter-fraud-real-rare/st...
Why the value judgement on single mothers? Also, the 73% is out of wedlock, not necessarily single mothers. Single mother numbers are actually 67%.
>and huge level of incarceration.
Incarceration policies put in place by republicans and democrats.
>How is it not a failure of political science and Democrats that represent African Americans on all levels of government?
It is a failure of American political policy. However, the answer isn't to build a wall or stop immigration. The answer is to improve education, train people for the jobs that actually exist in our economy, and if all else fails, figure out what we do when there just aren't enough jobs, not just pretend like manufacturing is going to come back. American manufacturing has never produced more goods than the present, but it also employees almost no one, because automation is amazing [1].
[1] Page 4 and 5: http://www.cs.rice.edu/~vardi/workawesome16.pdf
I have a really really hard time feeling bad for people who bought homes in the bay area in ~1980. They won the lottery. Their home grew 10% y/y for 30 years outpacing inflation by a significant margin. They got a 30 year tax break while their income likely outpaced inflation as well because they live in an extremely good job market. That house they bought for 100k is now worth 1.7 Million. They can sell the home, move basically anywhere else in the country, and retire on the remaining gain. Yeah, I'm having a hard time feeling too bad for them.
On the other hand, the person who moved to SF in 1980 and decided to rent, I feel bad for them. Unless they found a rent controlled apartment, they've seen their rents grow 10% y/y, and if they found a rent controlled apartment they probably got evicted when the owners of the property sold it, and the new owners decided they wanted to redo the property as condos.
Lets just call it what it is, rent control for rich people. Then maybe we'll talk about it sensibly and realize that it's a horribly thought out plan.
Yeah... that's called racism: the belief that all members of a race possess characteristics specific to that race.
> They own the property and ultimately it's their choice.
Yes it is their choice to either accept candidates regardless of race or delist their property and cease renting if they wish to be discriminatory in their rental practices.