The sooner you can get your money into the ponzi scheme, the better!
196
Community Rules
You must post before you leave
Be nice. Assume others have good intent (within reason).
Block or ignore posts, comments, and users that irritate you in some way rather than engaging. Report if they are actually breaking community rules.
Use content warnings and/or mark as NSFW when appropriate. Most posts with content warnings likely need to be marked NSFW.
Most 196 posts are memes, shitposts, cute images, or even just recent things that happened, etc. There is no real theme, but try to avoid posts that are very inflammatory, offensive, very low quality, or very "off topic".
Bigotry is not allowed, this includes (but is not limited to): Homophobia, Transphobia, Racism, Sexism, Abelism, Classism, or discrimination based on things like Ethnicity, Nationality, Language, or Religion.
Avoid shilling for corporations, posting advertisements, or promoting exploitation of workers.
Proselytization, support, or defense of authoritarianism is not welcome. This includes but is not limited to: imperialism, nationalism, genocide denial, ethnic or racial supremacy, fascism, Nazism, Marxism-Leninism, Maoism, etc.
Avoid AI generated content.
Avoid misinformation.
Avoid incomprehensible posts.
No threats or personal attacks.
No spam.
Moderator Guidelines
Moderator Guidelines
- Don’t be mean to users. Be gentle or neutral.
- Most moderator actions which have a modlog message should include your username.
- When in doubt about whether or not a user is problematic, send them a DM.
- Don’t waste time debating/arguing with problematic users.
- Assume the best, but don’t tolerate sealioning/just asking questions/concern trolling.
- Ask another mod to take over cases you struggle with, if you get tired, or when things get personal.
- Ask the other mods for advice when things get complicated.
- Share everything you do in the mod matrix, both so several mods aren't unknowingly handling the same issues, but also so you can receive feedback on what you intend to do.
- Don't rush mod actions. If a case doesn't need to be handled right away, consider taking a short break before getting to it. This is to say, cool down and make room for feedback.
- Don’t perform too much moderation in the comments, except if you want a verdict to be public or to ask people to dial a convo down/stop. Single comment warnings are okay.
- Send users concise DMs about verdicts about them, such as bans etc, except in cases where it is clear we don’t want them at all, such as obvious transphobes. No need to notify someone they haven’t been banned of course.
- Explain to a user why their behavior is problematic and how it is distressing others rather than engage with whatever they are saying. Ask them to avoid this in the future and send them packing if they do not comply.
- First warn users, then temp ban them, then finally perma ban them when they break the rules or act inappropriately. Skip steps if necessary.
- Use neutral statements like “this statement can be considered transphobic” rather than “you are being transphobic”.
- No large decisions or actions without community input (polls or meta posts f.ex.).
- Large internal decisions (such as ousting a mod) might require a vote, needing more than 50% of the votes to pass. Also consider asking the community for feedback.
- Remember you are a voluntary moderator. You don’t get paid. Take a break when you need one. Perhaps ask another moderator to step in if necessary.
B..But... why don't we plan for revolution instead?
i bettr be a grl in two years-
Aww, come give momma a hug baby girl ❤️
a-,..,.. ~ummm..,. - - - - - o-.,,. ~oki~,,.,,,,.....,, floof 🫂💖💖💖👩❤️👩👧..,..,,..,...,,,...
.
i nevr use dis moji but,,. i think its fine., ~once~
🥺
Maria you are already a hecking cute girl already love
thad be coool <3<3<3<3
Heh, retirement, good joke
You can do it. Especially if you're young. Time is on your side.
Crazy that retirement has come to mean “independently wealthy” vs what it used to mean - worked for a business or government long enough to have a pension.
I can't even trust that I will have a pension when my time comes around.
Worse - i doubt that, even if i become independently wealthy, that any systems will still be viable and capable of taking care of me.
To be fair, with access to a time machine there are plenty of ways to generate a shit ton of money. Enough money to ignore how fucked up the world is and only worry which cutlery to use for caviar.
easiest is to make a deposit at Berenberg Bank, $1 then would be worth about 100 billion now, assuming the 6% rate that was common for the elizabethan age is maintained.
Just don't tell anyone that your bank PIN is 1077
Retirement? I don't have faith that it'll be an option for my generation.
If you don't start saving now, it probably won't be.
There you go turning a larger socioeconomic issue into a personal one. The current system is designed to prevent anyone from acquiring wealth unless they're both high class and lucky enough to not get wiped out by an injury or disaster. Unless there is major systemic change in the next couple of decades, retirement is only gonna become more exclusive. I shouldn't need to be lucky in life to not have to work until I die.
Do not use your retirement to pay for injuries and disasters. These funds are protected by bankruptcy.
Do not work against your own best interests out of principle. The world will fuck you, especially in America. Your principles will give you little comfort when you're too old to work.
Retirement plan can be killed by police after assassinating a fascist.
Sanity check, I should pay off high interest loans (>7% APR) before I save for retirement, right?
You need to run the numbers to see what makes sense mathematically. As others pointed out there may be other implications like tax advantages and employment matching programs. In general though you should pay off any debt higher than (realistic) expected returns first.
Weird but, probably not. This is especially true if
- there’s an employer match to consider
- the retirement vehicle type is exempted from civil and/or legal disputes
- the class of debt can be discharged via bankruptcy
- you expect inflation to continually chip away at remaining debt principal
- you expect markets to perform on average as they have historically
- your contributions can lower your tax burden now or later
Among other things
the number of times I've wished for a time machine so I could transition sooner... 😣
Part of me regrets not transitioning already, but then my kids probably wouldn't exist if I had.
Kids are fantastic at eliminating regret for things you did decades ago. If you'd "fixed" nearly anything, they'd be different people instead.
You just gotta be a good enough parent now that you don't create whole new regrets.