It almost ruined what otherwise would've been a perfect pizza.
Edit: I listened to your responses and my do-over pizza was 100% better.
I’ve finished 146k fic, and am updating that twice a week to finish it up.
I, however, also have another WIP where I’ve neglected for a month because of revisions and writer’s block.
Here comes a simple comment I was tempted to rant back.
They said, and I quoted; “You do realize it takes too long to update and it’s too short, right?”
Dude, I mean, I’m sorry but I have a life?
I was about to reply with a lengthy rant, but then I thought; why should I waste my time with this runt?
So, to the delete button I go!
Fuck people who want to dictate a writer’s schedule because it irks them, really!
Not to mention that this same twerp had been posting things like; You should’ve written it this way, or you better bring him back (I killed off my protag as Canon do, dude, wtf).
Okay! Vent over. Please, people, I know we sometimes don’t update much, but I updated this one as soon as I’ve finished my final exam, could ya chill a little? Good gods some people are annoying. Bless AO3 for allowing insta delete tho!
EDIT: Holy shit I did not think this would blow up! I’m sorry for not replying after a time, the sheer numbers are staggering, but I’ll read all of you! Good lord you all share my pain ;_;
Thank you for all the kind word stranger!
You have all seen the sleazy suits that come around to sell you on 403(b) plans.
If you want to argue that they aren't a scam then I will concede the point because that is subjective. Objectively speaking they are both an incredibly expensive product AND inferior to alternatives. I've written more in depth here, but this is the short version.
CONSIDER THE FOLLOWING:
- 403(b) plans can charge up to 2 pct or more in fees and management costs.
- Some of the sleazy suits that come around to sell to you get a recurring commission based on every teacher they recruit. That's a lot of money. Which shows you how massively profitable they are.
- Don't believe me? Check out John Oliver's take on it yourself. Some of these plans cost $200,000 over their life time. That's money out of your pocket.
- 403(b) plans can literally and without exaggeration cost 100x an index fund strategy.
- Teacher's unions have no idea what they are doing when they allow these plans to be foisted on teachers.
- None of these suits explain the full costs or the better alternatives because they are not your fiduciaries. They have no obligation to advise you of your best financial options. They are salesmen selling an expensive inferior product.
WHAT ARE THE ADVANTAGES OF THE 403(b)?
- You can write off the contributions from your taxes.
- Some employers have retirement schemes where they match your funds.
- Someone else manages your finances and the amount is automatically deducted from your check.
If your employer is matching your funds then you should contribute only up to the matched amount. If your employer is NOT matching your contributions then there is little reason to take advantage of these plans.
THE TRADITIONAL IRA: THE SUPERIOR OPTION
Before you look at a 403(b) you should open up a traditional IRA and max out your contributions. You can put up to $6,000 a year and write that off your taxes.
But then YOU are responsible for investing your money and you probably have no idea how to do that. Great! No problem!
Warren Buffet, one of the worlds richest men, won a one million dollar bet that index funds would outperform, actively managed funds over ten years. It wasn't even close.
I checked the S and P 500 index fund fee and it was 0.015% vs 2.00% fee that many 403(b) plans charge. Remember that fee is COMPOUNDING. The 403(b) f
... keep reading on reddit ➡I recently ordered a couple pairs of ABC pants and some socks, and just now as I'm sitting at my desk, out of the corner of my eye I see someone running down my driveway and around the corner with a shiny silver bag.
Sure enough, I check my tracking number, it says it had been delivered 5 minutes prior, I walk to my front door, and no Lulu bag to be found. The guy took it right off my front porch and ran.
Maybe it's just me, but I truly cannot understand the benefit of shipping something in a Lulu specific bag. It's like a giant "STEAL ME" sign for porch pirates. They have to know the resale value of Lululemon items are extremely high.
Anyone else have any instances like that? I'm not even sure what to do next.
edit: ignore the fact that I used "like" twice, idk more than 20 words in the English dictionary 😭
