#how to invest in market

[bitchesgetriches]

Hi! I fully do not understand investing, but I’m going to follow the directions you and others give about IRA investments. The one thing that I totally do not grasp is the allocating the funs into an index. Isnt there a scenerio where the index loses money and by retirement age you check it out and it went completely under or something?

Hey kiddo! And welcome to the wide world of investing. You're on the right track by starting an IRA for your retirement.

Yes, there are people who lose money by investing their retirement fund. This happens when they retire at the same time a recession or stock market crash happens. And it's fucking unlucky timing.

If you invest $100, and the market falls to the point that it's worth $80, you will lose money if you pull your money out when it's worth $80. But after the fall, when the market recovers so your original investment is worth $120, and THEN you pull your money out... you will have made money!

In other words, timing matters. We explain exactly how this works here:

Wait... Did I Just Lose All My Money Investing in the Stock Market?

Now to address the second part of your question. You can avoid the risk of losing money by regularly adjusting your allocation. When you're young and many years from retirement, you can allocate your portfolio aggressively into higher-risk investments. Who cares if you lose money in the short term? As we explain in the link above, you don't actually LOSE the money until you take the money out of the stock market.

But as you get older and nearer to retirement, you want to lock in your gains by moving your money from high-risk investments like stocks to safer investments like bonds. That way when you get within a few years of retirement, you can kind of "protect" your investments from being overly affected by market fluctuations.

In other words: allocation is not a one-time activity. We explain this more here:

Investing Deathmatch: Stocks vs. Bonds 

This was a big oversimplification, but we go into detail about all of this here:

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds 

If you liked this article, join our Patreon!

[nocturnalazure]

Author's note: Reference is made to the following scenes: (1), (2), (3)

[megumi-fm]

.

[aengelren]

life after seeing people start waking up and stop idolizing elitism and celebrity culture, feeding their pockets while the working class and third world countries suffer..is the human revolution near?

[thevalleyisjolly]

It's impossible to describe the experience of watching Total Forgiveness to people, like how do I explain that this is one of the most compelling shows I've ever watched and it's even one of my comfort rewatch shows but also I cannot rewatch a good third of the series because it makes me so viscerally uncomfortable and this would absolutely never be greenlit by the Dropout of today but it's also essential viewing for understanding not only the development of the company but the public personas of many of the key people involved in Dropout. It's funny and then it's painfully dark and then at the last minute it's hopeful and heartwarming again but damn if it isn't raw all the way through. From the crushing pressure of living under late-stage capitalism to the severe toll on personal relationships that the very premise of the show enables. Also there's a jaunty little soundtrack. 11/10 will rewatch again and again. Except the MLM challenge. I am psychologically unable to watch that again for any sum of money on this planet.

[bloomingbluebell]

yeah, there should be a course in high school on how to do taxes, apply to jobs and all that, etc. but you know what else there should be? a crash course on accessing healthcare

[iamindebt]

HOW RICH IS OTEMPES (a theoretical anyalasis)

[rochenn]

ich bin nicht Deutsche*r, also ich weiß eigentlich nicht wie der Glühwein vom letzten Jahr war, aber ich bin gerade in NRW und mir schmeckte der Glühwein ganz gut (und ich mag süsse Getränke gar nicht). Hab auch einen Punsch probiert, der war schrecklich süss

Punsch ist nur Zuckerschock für jeden über 12 fr!! Aber NRW rettet vielleicht die Glühweinehre 👀👀 danke für die Info

[ebi-hime]

Rare text post without any VN screenshots but It makes me very happy when people show an interest in My Boys hehe ♡ Yuel and Tavi are very important characters to me, so it's reassuring to know the stuff I write about them isn't wholly self-indulgent (even though it is) and a few other people also like them! The stuff I write about My Boys doesn't have a big audience, and I've received some pretty Unpleasant comments about them over the last couple of years (though not as many as I expected haha), but! I love them a lot, so I'll keep writing about them! 💪 I'd probably keep writing about them even if there was zero external interest, because they soothe my heart, but the nice comments I receive about them really do make my day! I'll keep working hard to showcase just how cute my boys are!!! And I'll probably torture them a lot too, because that's also fun!!!

[jhonsonwalia]

Live trading signals

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Investing for Beginners

Fundamentals of investing:

What’s the REAL Rate of Return on the Stock Market?

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds

The Dark Magic of Financial Horcruxes: How and Why to Diversify Your Assets

Dafuq Is Interest? And How Does It Work for the Forces of Darkness?

Booms, Busts, Bubbles, and Beanie Babies: How Economic Cycles Work

When Money in the Bank Is a Bad Thing: Understanding Inflation and Depreciation

Investing Deathmatch series:

Investing Deathmatch: Managed Funds vs. Index Funds 

Investing Deathmatch: Traditional IRA vs. Roth IRA 

Investing Deathmatch: Investing in the Stock Market vs. Just… Not 

Investing Deathmatch: Stocks vs. Bonds 

Investing Deathmatch: Timing the Market vs. Time IN the Market

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market 

Investing Deathmatch: What Happens in a Bull Market vs. a Bear Market 

Now that we’ve covered the basics, are you ready to invest but don’t know where to begin? We recommend starting small with micro-investing through our partner Acorns. They’ll round up your purchases to the nearest dollar and invest the change in a nicely diversified portfolio of stocks, bonds, and ETFs. Easy as eating pancakes:

Start saving small with Acorns

Alternative investments:

Small Business Investing: A Kinder, Gentler Alternative to the Stock Market 

Bullshit Reasons Not to Buy a House: Refuted

Investing in Cryptocurrency is Bad and Stupid

So I Got Chickens, Part 1: Return on Investment

Twelve Reasons Senior Pets Are an Awesome Investment 

How To Save for Retirement When You Make Less Than $30,000 a Year

Understanding the stock market:

Ask the Bitches Pandemic Lightning Round: “Did Congress Really Give $1.5 Trillion to Wall Street?”

Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?” 

Money Is Fake and GameStop Is King: What Happened When Reddit and a Meme Stock Tanked Hedge Funds

Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?”

Wait… Did I Just Lose All My Money Investing in the Stock Market?

Season 4, Episode 1: “Index Funds Include Unethical Companies. Can I Still Invest in Them, or Does That Make Me a Monster?” 

Retirement plans:

Dafuq Is a Retirement Plan and Why Do You Need One?

Procrastinating on Opening a Retirement Account? Here’s 3 Ways That’ll Fuck You Over

How to Painlessly Run the Gauntlet of a 401k Rollover

Ask the Bitches: “Can I Quit With Unvested Funds? Or Am I Walking Away From Too Much Money?”

Workplace Benefits and Other Cool Side Effects of Employment

You Need to Talk to Your Parents About Their Retirement Plan

Season 4, Episode 5: “401(k)s Aren’t Offered in My Industry. How Do I Save for Retirement if My Employer Won’t Help?” 

Got a retirement plan already? How about three or four? Have you been leaving a trail of abandoned 401(k)s behind you at every employer you quit? Did we just become best friends? Because that was literally my story until recently. Our partner Capitalize will help you quickly and painlessly get through a 401(k) rollover:

Roll over your retirement fund with Capitalize

Recessions:

Season 1, Episode 12: “Should I Believe the Fear-Mongering about Another Recession?”

There’s a Storm a’Comin’: What We Know About the Next Recession

Ask the Bitches: How Do I Prepare for a Recession?

A Brief History of the 2008 Crash and Recession: We Were All So Fucked

Ask the Bitches Pandemic Lightning Round: “Is This the Right Time To Start Investing?”

[lightgaswaterelectricityrent]

before I got paddington I went to the humane society to visit the cats and see how I felt because I've never had a cat before and I liked a few of them so much but didn't pull the trigger and then a few weeks later I saw one picture of paddington on petfinder and was like I want that one. No I don't need to meet him

[carlosdropshot]

magnus cort nielsen to uno-x is an unexpected and fascinating move. it looks like uno-x is gonna go for a WT license or at least for regular WCs in big races. feels fitting that denmark should have a big team given the impressive number of elite danish riders in the peloton nowadays. magnus is truly one of my favorite riders and i hope he shines in his new team!

[freakinhorse123]

deleting twitter (self care)

[valerian-e-song]

man i’m all for tumblr blaze posts promoting original work and i’ve found some really cool shit that i love through it but some indie authors really need to detach themselves from booktok syndrome if they want me to really engage with their cool idea

like if your premise is (this media) x (this media) in (insert fan fiction au) that’s not a premise or a recommendation, that’s an elevator pitch to a shallow investor that cares about clicks and not about your story

please just tell me the actual premise of your story. like you know, the stuff you’d find on the back of a published book. like be willing to take your own premise seriously enough where you can present it to a potential audience in full earnest without buzzwords or shame, because it feels like it’s doing a massive disservice to the story you want to tell.

throw me a passage, or god forbid a couple panels if it’s meant to be a webcomic. i don’t want the investor elevator pitch, i don’t want the ao3 fast and dirty summary, i want to see what weird and interesting things that set your fantasy world apart, or the cool intrigue plot you have set up, or the interesting circumstances driving your romance. don’t just tell me that it’s a college au. don’t just tell me that it has poc and queer rep- like okay that’s cool, but how is that integrated into the core story you’ve got? what tone should i prepare for?

to all indie artists, have faith in your ideas. they are enough, without vague buzzwords for mass appeal.

[redheadedbrunette]

Cool so I reread the series and I noticed a lot more than I did the first two times I read it which is fun. The relationship between Ben and Erica is more explored than I remembered which is good and I can definitely see her character arc a lot clearer.

X is still my least favorite book and there’s absolutely a corner that Gibbs wrote himself into on that one unless he’s entirely giving up on the idea of having Ben and co. be secret agents.

Ben’s a lot more of a competent spy than I remember too, which is refreshing.

I also completely forgot that all 10 of these books happen in the span of like a year and a half which is hilarious.

Oh and the age gap seems like something that would be a lot more of an issue if there weren’t only like 300 people in the world they could have contact with. Even Erica and Josh had a bit of a gap since she had to have been 14/15 or so while he was 17/18. A gap of 2.5 years would be problematic for normal kids but I think different rules would apply.

I'm so glad it was clearer on a second go around! Honestly, I didn't even really see it all that clearly until I reread the series a couple years ago (SSAS came out my first week of college) and had a lot more experience with how stories work on a fundamental idea. Erica's development is very much in the background, but when you're looking for it (excluding SSPX, but that's a different rant) it's so clear and interesting and I love it.

SSPX bothers me for SO MANY REASONS the biggest of which is that Mr. Gibbs puts the message before the overarching plot of everything, and then! It's not even a relevant message! Like, what twelve year old is hardcore believing QAnon (it's pretty obviously meant to be that or something similar). I feel like something could have been achieved and a message about privacy, like Murray makes getting a video of Ben part of some TikTok knockoff challenge, because that seems like a much more likely thing kids would do, but gotta make fun of people who remember what the news said two years ago and comparing it to what they say now! Can't have people with good memories! But yeah, it does shoot the series in the foot kind of, and I understand the reasoning behind why things were done the way they were! I just don't agree with it most of the time.

It's even funnier when you realize that it's not a year and a half evenly spread out, it's one mission his first year with five months before summer, one that summer, and seven his second year. Eight if you want to count SSGS and SSBI as different missions (I go back and forth as to whether or not I do). It's so funny. Please give poor Ben a break.

And yes! Ben is actually so much more competent than people seem to give him credit for sometimes. It's just that his skill set tends to be less flashy and useful in battle scenes, but he's very much the chess master of the group. He's the one planning and strategizing, and all the karate moves in the world aren't going to do you any good if you can't actually foil the plans.

My reasoning for why I'm okay with the age gap is because the narrative treats them as equals who are more or less in the same place in life. Like, yes she's two classes ahead of him, but for all intents and purposes, they're teamed up together constantly with others in Ben's class and I think Erica is the only one we really know about in her class (can't remember Chip's age, but he might be? idk, doesn't really matter). It's never dwelt on, and it bothers me when people try to make a deal about it! Like, they're not going to be in the same place in their lives forever. It's high school. Almost no one marries the person they dated in high school. I've long held that they'd break up sometimes after Erica graduates and starts her adult life while Ben is still in school (or something similar depending on how Mr. Gibbs decides to do things moving forward).