He isn’t qualified for the job he currently has. Forget about the Supreme Court. Acting this way has no place in the legal profession.
When Sen. Sheldon Whitehouse asked him about the yearbook entries that appeared to illustrate heavy drinking, Kavanaugh interrupted and shot back, “Do you like beer? What do you like to drink? Senator, what do you like to drink?” Twice, Kavanaugh asked Sen. Amy Klobuchar, who spoke about her father’s struggle with alcoholism, if she’d ever blacked out from drinking, as a way to avoid answering the same question she posed to him.
I believe this is known as the "no u!" defense.
It's the "defensive alcoholic" defense.
Handmaid's Tale, here we come!
Not gunna lie I was fairly impressed with his ability to confidently twist that shit. It's just so fucking bold.. it's unreal.
I honestly can't believe this dude is a day away from being a Supreme Court Judge. If this dude worked on a local PTA i'd be worried.. he shouldn't have any power or authority at all.
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I don't know that this was a planned effect, but taking a polygraph against a man who professes to believe in their results is frankly ingenious. It may prove nothing in a court, but it makes him look less credible either way.
Ironically, Kavanaugh has been on record as a proponent of polygraph tests, which is pretty shocking for a federal judge.
This is realistically the best reason to take one. He believes it, so he can't just claim it's junk science.
Edit: today, he reversed his decision of like two years ago and declared it junk science. What the actual fuck.
Vanguard has a tax-managed small cap fund, but it won't get you the value tilt. I think their SCV fund also has an ETF share class which might provide benefits re:taxable distributions.
I would be worried about a really deep small ETF's turnover rates (re:taxation).
I agree with kale and psych. You are in a fantastic position.
For perspective, I’m 44M, earn $200k before taxes, and have net worth around $500k. 19 years working but only 3 years on the FI path. I am so emotionally ready to be done having to go to work every day...but thanks to decisions at your age, I am not financially there yet.
I get that time off in your 20s is alluring (I took some myself and it was great)...but you are in a perfect position to be DONE having to work by the time you turn 30. For the rest of your life. This proposition is much more alluring to me.
If you can bear it, I recommend sticking with it for another 3-5 years...then you should be able to truly FIRE.
What's the math on 'done having to work by the time you turn 30'?
Figure ~80K/year after taxes x 5 years = 400K. But HCOL so spend at minimum 50% = 200K. 200K+ 250K already saved = 450K. Retire to a LCOL and live on, what, 16K/year? I'm not seeing it.
It might have more to do with the fact that OP saved 240k in what I would assume to be 3 years out of college. So by early 30s assuming same rate of savings, this would place her at 750k+
Except we don't actually know op saved that in three years. It could be gifts, inheritance, college side income, etc...
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I literally can't tell you, and it also does not exist when I googled the name. The company also doesn't exist but its way too perfect to be faked, it also may have been an example company.
It showed scenarios and real footage of ambushes, people snapping, how to interrogate someone, how to find information with normal conversation, body language, how to walk with authority and speak with purpose, how to disarm someone with talking (Not weapons disarm)
Then it goes over how to protect people ect. It wasn't sinister or anything but idk, I have no clue why it got me so worked up.
Son, what ARE you smoking?
You’re saying, keeping all other variables constant, the observed yield should converge to the SEC yield over time?
Yes - but that means holding interest rates constant. In reality, those will vary, changing the outcome. A better way to use SEC yield IMO is for side-by-side comparisons - e.g. compare to SEC yields of other funds
It depends on what else you've got going on in your portfolio, but personally I want bonds for safety to balance out stocks, and the extra ~1% yield over Treasuries (of corporates) doesn't do it for me.
Might want to backtest everything together and see how corporates have performed (versus pure Treasuries) in past stock downturns. Another one-and-done option is simply Total Bond, which has some of each.
Yeah, there's something weird with that number. Is that the annual salary? Did you forget to put in a . to make it $2500.00? For reducing taxable income, you've got the gist of it.
People who get interviewed often talk about their attachment to their home and so on, but common "characterizations, rooted in pervasive American attitudes of independence, presume everyone in harm’s way has a clear ability to leave when, in reality, many lack reliable transportation or the money for gas and a hotel room."
Can someone please eli5 what a loss leader is?
Something a store intentionally under-prices to get you in the door to buy other stuff. Trader Joe's infamous 'Two-Buck Chuck' cheap wine comes to mind (they later raised the price, too). The lesson with such things is twofold: (1) ignore the higher-priced stuff they try to sell you, and (2) beware of future price increases on the cheap stuff. Stretching the analogy: I would rather shop at a co-op I own shares in and that is designed to keep prices low.
Excuse my ignorance but are bonds really necessary for a short to medium term portfolio? Checking SCHZ performance, what I see is loss after loss. Perhaps SCHZ dividends makes up for the downward performance.
For a short-to-medium term portfolio I would be basically all bonds or cash. Stocks can crash and stay down for years. Longer-term, mostly stocks is fine, but bonds help smooth out returns and ride out situations like 2000-2010 (negative real stock returns), the Great Depression, etc.... Given the huge recent bull market (it just broke a record!) this decade, it's easy to look at bonds as dull ... but when the crash comes, you'll be glad to have them. And I'm not advocating timing the market, but if anything stocks are overvalued right now ... buy low, sell high, etc...
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