The real reason Steve stayed in the past 8 comments
debbidownr
· 5 years ago
Just sayin’ she doesn’t whine like that.
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The real reason Steve stayed in the past 8 comments
The Quetzalcoatlus, the largest known flying animal that ever existed ! 13 comments
debbidownr
· 5 years ago
This picture is mildly upsetting because it evokes an idea that this creature walked around the landscape on its wrists, holding back its scythe hands and reaching its long beak toward the multitude of prey its beady eyes beheld.
This is not a mental video I like AT ALL and I am therefore Not Happy despite the very real awesomeness that’s happening all over this picture.
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Edited 5 years ago
This is not a mental video I like AT ALL and I am therefore Not Happy despite the very real awesomeness that’s happening all over this picture.
So painfully true 24 comments
debbidownr
· 5 years ago
It’s a repeat of the national retirement income system, basically, but private and individually driven. There’s a strain of Americanism that believes the government won’t do a good job, so we repeat systems as public and private.
So painfully true 24 comments
debbidownr
· 5 years ago
Your HR department will be happy to explain about 401k, as this likely will increase your engagement/tenure; or they will refer you to the 401k folks who will break it down for you. It’s possible to scam people on 401k’s, probably, but not at that level (except the fees for managing, which is not a scam but should be understood upfront) so their only skin in the game is helping you.
One thing I didn’t say is that 401k’s are investing, almost always in the Stock Market. You can have low, mid-level or high fees for 401Ks, based usually on how much the mix of stocks, bonds, etc are managed for you. You can also have lower, moderate, or high risk. Sometimes the options are very simple, like you just pick a risk profile or they decide for you based on your age (example: high risk is not recommended for people retiring in 5 years). Sometimes they are more complex and it can feel a bit overwhelming. Be brave, ask for help, and let time build you a nice little pot of money.
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Edited 5 years ago
One thing I didn’t say is that 401k’s are investing, almost always in the Stock Market. You can have low, mid-level or high fees for 401Ks, based usually on how much the mix of stocks, bonds, etc are managed for you. You can also have lower, moderate, or high risk. Sometimes the options are very simple, like you just pick a risk profile or they decide for you based on your age (example: high risk is not recommended for people retiring in 5 years). Sometimes they are more complex and it can feel a bit overwhelming. Be brave, ask for help, and let time build you a nice little pot of money.
So painfully true 24 comments
debbidownr
· 5 years ago
401(k) is the section of law that set up individual retirement accounts. 401k’s are governed by law because the government gives you tax breaks if you use one.
401Ks are pre-tax, meaning whatever you give to your 401k is not counted as income when the government takes their cut of your check.
Companies also usually match what you give, so they basically give you extra money (be very clear about the timeline of this “gift”, since they usually take it back if you don’t stay for enough years).
Unlike FICA contributions, this money actually belongs to you, and you can move it when you change jobs. You can also have your own 401K.
Because it’s supposed to be for retirement, there are penalties if you take it out early except in specific instances.
Just as an FYI, each of these sentences break down into more. They also are arguable, especially down tangents related to what the government and/or you “should” do. But that’s enough to get going.
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401Ks are pre-tax, meaning whatever you give to your 401k is not counted as income when the government takes their cut of your check.
Companies also usually match what you give, so they basically give you extra money (be very clear about the timeline of this “gift”, since they usually take it back if you don’t stay for enough years).
Unlike FICA contributions, this money actually belongs to you, and you can move it when you change jobs. You can also have your own 401K.
Because it’s supposed to be for retirement, there are penalties if you take it out early except in specific instances.
Just as an FYI, each of these sentences break down into more. They also are arguable, especially down tangents related to what the government and/or you “should” do. But that’s enough to get going.
So painfully true 24 comments
debbidownr
· 5 years ago
Teachers are focused on providing info they feel good at. It’s not so easy to be an expert at 401Ks. I mean, would YOU rather teach fun, easy-to-present dramatic stories or learn and teach real world stuff?
Also - no one will argue with you about a dead religion; why we settled on Greek instead of Norse or African is a whole other thing.
People will argue with you PLENTY about statements as seemingly non-controversial as “saving is good” and “staying in budget” or “find a job that can pay the bills for the area you want to live in”.
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Edited 5 years ago
Also - no one will argue with you about a dead religion; why we settled on Greek instead of Norse or African is a whole other thing.
People will argue with you PLENTY about statements as seemingly non-controversial as “saving is good” and “staying in budget” or “find a job that can pay the bills for the area you want to live in”.
Good for her 14 comments
debbidownr
· 5 years ago
I’m not sure if the purpose of this post is to play “gotcha” or what, but regardless I’ve put more effort into this post than this person is likely capable of using to formulate arguments.
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Good for her 14 comments
debbidownr
· 5 years ago
1. The fight to decriminalize a woman’s right to choose has been successfully making strides in Ireland.
2. What was it Lincoln said? You don’t interfere with a viper pit but you definitely don’t establish new ones in your children’s beds? Something about how what is bad and can’t easily be changed is one thing. When it’s in your power to prevent a bad thing from being established, you gotta.
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2. What was it Lincoln said? You don’t interfere with a viper pit but you definitely don’t establish new ones in your children’s beds? Something about how what is bad and can’t easily be changed is one thing. When it’s in your power to prevent a bad thing from being established, you gotta.
You ain't grading a college paper 1 comments
debbidownr
· 5 years ago
Yup, totally agree! Unless there’s a big issue, give them a 5 and go on your way.
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That's pro-choice 3 comments
Made me giggle 19 comments
debbidownr
· 5 years ago
I know not quite the point, but Trump isn’t worried about companies dying. He’s crashed several companies, destroying opportunity and subcontractors because he’s generally bad at creating value. That’s why he’d set them up to get paid before it’s over.
It’s unfortunate he’s the temporary hired head of a ‘company’ with limited room to counterbalance poor decisions or dial back on waste. But it’s obvious that his poor management style came with him.
His border policies especially show an utter lack of acknowledging obvious outcomes (or planning for them) and consistently get to wasteful and expensive crisis fixes, which a more capable administrator wouldn’t have let occur. However, his concern isn’t the health of the company, the value of the project, or any useful ROI really.
I expected he would be expensive; I knew he generated crises to fix as a way of feeling useful and competent. Essentially everything he has done in the regard is an expected outcome - boring and painful.
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Edited 5 years ago
It’s unfortunate he’s the temporary hired head of a ‘company’ with limited room to counterbalance poor decisions or dial back on waste. But it’s obvious that his poor management style came with him.
His border policies especially show an utter lack of acknowledging obvious outcomes (or planning for them) and consistently get to wasteful and expensive crisis fixes, which a more capable administrator wouldn’t have let occur. However, his concern isn’t the health of the company, the value of the project, or any useful ROI really.
I expected he would be expensive; I knew he generated crises to fix as a way of feeling useful and competent. Essentially everything he has done in the regard is an expected outcome - boring and painful.
"Um, maybe God has a plan for them..." 23 comments
debbidownr
· 5 years ago
Yeah, life is a long time. Don’t get to define it to a very narrow timeframe. Acknowledge what it is: forced-birth advocate.
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Cats are assholes 13 comments
debbidownr
· 5 years ago
It’s too cold in the apartment/house. Get the cat an insulated blanket/heating pad and put it in a cat bed. Place the cat bed near your bed.
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Edited 5 years ago
Epicfail disney 15 comments
debbidownr
· 5 years ago
But...it’s a pun. Chip ‘n Dale = Chippendale (a strip club/dancer place). I guess that wouldn’t translate to other languages, anyway.
I wonder what slang Dale means in German that they had to alter it.
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Edited 5 years ago
I wonder what slang Dale means in German that they had to alter it.
“I swear, babe, I’m at my grandmas. See?” 5 comments
