If you’re talking about actually scaling, like a CAD drawing, then no.
If you’re talking most of the appearance and function, then yes! There is a scale model of a Browning M2 machine gun (which normally fires 50 cal ammo) that fires 22lr instead. It will set you back about $20,000.
I can go to a cafe where I’m waited on and served decent food for $20.
How much do you tip on you cafe meal on top of that $20?
He said all this kind of nonsense the last time he ran.
And he violated all kinds of laws when in office and after his term ended.
I think there is a high likelihood we will see President Vance before the end of this second Trump term. I can’t really tell which is worse.
The purpose is to rate the users.
Individual communities can set up guidelines, that if you have a new account under 6 months, and you have a negative overall karma,
you’re banned from that community until a human can look through your post history to see if you should be unbanned.you’ll have to repost previously highly upvoted content to pump up your karma numbers, until you have a positive overall karma.
FTFY, I’d really prefer to leave that mistake of karma at Reddit instead of polluting Lemmy with it.
Lemmy karma-less method also drastically reduces the value of bot accounts to farm karma (for nefarious or advertising use before being banned).
Someday soon I’m sure we’ll get that paperless office.
This one I’ve seen pretty darn realized. My last “in office” job was more than 5 years ago, but while there were printers available they were not used often. Nobody would hand you a piece of paper with any exception you’d have to keep it safe or for any period of time, and even then you’d also have a digital copy sent to you. Then and now, I still keep an notepad, but its only for things I need to remember for less than 24 hours or that get entered electronically very shortly after.
This was a fortune 100 company too, not some Mom-and-pop office.
Stop. The Vanguard retirement funds all did this if the target is before 2060. And those are invested in index funds by professionals. OP likely had the VTINX
OP’s losses are more exagerated than just the Target Date fund experiencing a dip from bond exposure.
Here’s OP’s same initial investment on the same day but 100% in VTINX:
So instead of a $4k loss that OP showed, it would been a $71 loss. OP went picking individual stocks and got burned (assuming they liquidated their position after seeing their portfolio balance).
Or I completely disagree with the idea of individuals investing for their retirement as a base expectation when the options available are not universal nor affordable for half the population.
Then you should have led with that. I wouldn’t have wasted my time trying to explain how to use the system to someone not interested in any part of the system. None of your arguments are about the mechanisms of the system, but instead lack of its universal applicability. You weren’t interested to learning how the system can work, you’d already dismissed it from the get-go.
Your post comes across as dismissive of anyone criticizing the current system.
Your posts come off as trolling because you’re arguing about particular internal steps to the current system when you don’t even care about it.
You do understand a significant portion of the population doesn’t have a dollar to spare when they live paycheck to paycheck, right?
Listen friend, its entirely possibly you started off with good intentions in this thread, but somewhere along the line it looks like you got so concerned with “being right” or “getting zingers” that your responses got more and more useless and simply argumentative for arguments sake. I’m human, I’ve been there. Look where you started off this line of conversation with this:
So if the market crashes the year before I want to retire I should just put off retiring for another 30 years.
The way I know you went down the wrong path is that if you were genuine with your argument, you would have started HERE with your comments about people not being able to save anything for retirement. Instead, you attacked a legitimate way to save for retirement for those that can save for retirement. Worse, you did so from a position of ignorance, but then attacked the response that informed you how your stated position was inaccurate.
The other possibility is that you started your whole rant without any thought to having a good faith conversation about the benefits or challenges to Americans saving for retirement. That would make you a straight up Troll. I don’t that thats who you are, so maybe just let this conversation thread die because its not producing anything productive for you and its otherwise a waste of time for everyone.
Back in the day (before third party hardware to do this) the only way to get Dreamcast online was to Dialup or the very rare and expensive broadband adapter.
Seeing as the Dreamcast shipped with a dial up modem, it was possble to set up your PC (also with a modem) and with a a couple of resistors, make a type of “dial up crossover cable”. You would set up your PC to “answer” the call from the Dreamcast, then route the traffic to the PCs broadband connection. Zero phone line needed!
Earns enough money to set some aside for retirement.
Do you literally not even have $1 in your pocket that you earned for yourself? Thats all it takes to open an IRA and start saving for retirement.
Only 32% of people have 401k accounts.
45% of 18-29 year olds have a retirement account. That number keeps rising to 77% of people 60+ having a retirement account. source
You don’t need a 401k account to save for retirement. You can do this same savings/investing in an IRA or even an brokerage account (but you wouldn’t get the tax benefits). There are ZERO employer requirements to opening an IRA, you just have to be someone that earns money.
I recommend FSKAX over FZROX. There are few minor differences. Yes FZROX has a lower expense ratio, but it BARELY lower when compared to FSKAX. My understanding is the biggest downside to FZROX is that you can’t hold that in any other brokerage. So if one day you decide you don’t like Fidelity you have to sell all your FZROX and then buy something else offered at the other brokerage. In a retirement fund this isn’t so much a big deal, but could mean you miss out on gains between the sale and the purchase of whatever else you replace it with.
If you’re investing in a non-retirement account this is a BIG deal, as any gains would be taxed at the time of sale. This can mean you pay 15%-20% on the gains just to switch brokerages. FSKAX doesn’t have that limitation, and you’d be able to simply do an “in kind” transfer of the securities to your new brokerage without any tax events/consequences. To me, that portability is worth the tiny different in expense ratio.
Haven’t found a good fund yet except FSKAX and VTI
You found the good ones. No need to go looking further.
So if the market crashes the year before I want to retire I should just put off retiring for another 30 years.
Thats not how to do it. As you approach retirement age (5 to 10 years out), you move your money out of riskier (but higher return generating) stocks and into safer (but lower performing) investments like bonds or even cash (actual cash, CDs, Tbills, etc). Generally you also don’t move it ALL out of riskier stock. You don’t need 100% of your savings on day 1 of retirement, so you convert a few years worth (5 maybe?) to safe stuff and let the riskier stuff ride usually gaining more value even after you retire.
I lost $4k on my retirement plan. It’s invested in total market funds, some tech, some big cap companies, and healthcare. But every sector has been ravaged by the stock market changes.
Its not your total market fund killing you, its your individual stocks. I don’t recommend picking specific stocks for your real savings. Save individual stock picks for money you can afford to lose. In your case it cost you $7,000.
I used your same data and here’s what it would have looked like if all of it was in your Total Market fund.
You would have $18,679. This would have been a gain of $3479 or a 22% return on investment in only 2 years. That is crazy good! Retirement isn’t a total scam, but unless you are VERY lucky, picking individual stocks is risky. You can successfully save for retirement with just one, two, or three funds: Total Stock Market fund, Total Bond Fund, and perhaps an International fund. I mainly focus on just the boring Total Stock Market fund and it performs fairly consistently well over time.
EDIT: Just to underscore retirement is possible with saving and investing with boring Total Market investment, if 20 years ago you had that same $15,200 and invested it in a boring Total Market investment and never save another penny, today it would be worth $88,982.
I’m not saying that you can go back in time, but with 20 years of growth (very typical for retirement savings) it can really grow. The best time to plant a tree is 20 years ago. The second best time is right now.
Someone needs to invent a waterproof suction-mounted device dedicated to recording actual shower thoughts.
No one needs to hear me butchering Beyonce’s “Single Ladies” off key while humming through the verse because I forgot the lyrics only to belt out the chorus at full volume because that’s mostly what I remember of the song. And no, I don’t do that dance at the same time (because I don’t know the steps).
Most laws aren’t retroactive. If you do the thing before it’s illegal, then you skated by. That could very easily be the answer here, especially as most all the physical automation is barely existent. If a company deploys now, they don’t pay the tax, but they will when they upgrade models.
You’ll need to provide your definition of “physical automation” for the purposes of your argument. As it stands that is NOT clear, which is part of the quagmire of all the Automation Tax approaches.
As to code automation, same rules apply. Excel macros get by, but I would apply the tax on companies that replace white collar jobs via SaaS or other applications as their core businesses model,
What does this mean? If a company is still running on-prem MS Exchange servers for company email, then the law passes, then the company switches to Office365 for email instead, does your law hit that company with an Automation tax? If so, how would the tax be applied? Amount of spend on Office365? Amount spent on salaries of former MS Exchange administrators? How long would the tax apply? A year? Forever?
What I’m also seeing is that all encumbant companies (shielded from the automation tax because they already put automation in place) would have an advantage forever against existing companies trying to make automation changes (and being hit with the tax).
Another loophole I see is companies completely liquidating or selling to a newly formed company so that there are “no jobs lost to automation, because this company from day 1 has always used automation”.
or for that line of buisness for vendors that do a lot of things. It would have to be refined as to where you draw the line, but you could.
I don’t know what this means.
Can you give a concrete example of your Automation tax? Situation before your law goes into place, the law passing, then the Automation tax a company would pay when they make a specific change in your example?
The automation tax that gates/etc proposed to fund UBI/social support networks is making more and more sense.
I’m all for UBI, but the automation tax is a quagmire.
In this theoretical new tax, tell me what qualifies to be taxed?
Automation tax is a nice idea but a nightmare to try to make in policy. Additionally, it will have a stifling effect on any business efficiency efforts after it exists.
If the tax is based upon workers losing their jobs to automation, it will have a massive knock on effect limiting new hires. A company would be very leery of hiring a worker if they could be accused (and taxed) of automation replacement when that worker is let go.
There is a whole youtube rabbit hole you can go down showing videos of miniature versions of larger (larger caliber) guns. The smallest I saw was “replica” Civil War Navy revolver that the whole gun was about 6cm long. It was a functional gun that had a powder charge with a projectile.