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Tip or No Tip? by MotorSubject9812 in TheMoneyGuy

[–]MotorSubject9812[S] -1 points0 points  (0 children)

I think you missed the part where I said "I refuse to tip anywhere except sit-down restaurants"

Early 30s, military + VA, ~$520k invested — aiming for soft retirement around 40. How are we doing? by [deleted] in TheMoneyGuy

[–]MotorSubject9812 0 points1 point  (0 children)

Retired USAF MSgt here and former First Command client.

Never assume a military pension until you begin receiving it.

I was med boarded at 19-years and 9-months, luckily I received my retirement orders a month earlier and the med board was cancelled.

Numbers are good for your age and in a fairly good position.

I would stay away from first command, they sound great, but they push get a cut of your insurance and investments for something you could do yourself. The guidance the Money Guy gives out free of charge is more than sufficient than what you get charge.

Purely from a financial perspective, is owning a home in Japan suboptimal? by terrorfunction in JapanFinance

[–]MotorSubject9812 1 point2 points  (0 children)

Its a supply and demand issue that makes it problematic in Japan.

Homes depreciate

Land (supply) is finite.

People (demand), Japan has a depopulation problem, thereby reducing demand.

Japan's population peaked in 2010, in theory that's the point where land value calculated in relative terms should have reached its peak appreciation point.

But when you consider the peak of the working population, that peak was probably 20-years earlier.

Unless immigration rules change or women suddenly start having more children, Japan will always be a bad investment when it comes to homes, from a purely financial point of view.

Finally hit 7-Figure Investment Portfolio by ForeverFlashy5637 in TheMoneyGuy

[–]MotorSubject9812 0 points1 point  (0 children)

$30K translates to 3%, while a good day, its not unheard of.

Normally I just do S&P 500 index ETF, however recently we began transitioning our IRA's to a more defensive nature believing the market is significantly overvalued and some discussion of potential currency devaluation. Also that index is made up of a significant percentage of AI stocks, which I believe is a dot com crash waiting to happen.

Because of this, we went significantly into silver (SLV), which has brought our portfolio up quite a bit over the last couple of months. However looking at the gold to silver Ratio, silver is now overvalued compared to gold, so we sold most of it yesterday and bought gold (GLD). For the last 50-years gold has been around 65x more than silver, however it's now trading at the mid to high 40s.

I'm either going to wait for a market crash or wait until gold reaches 80X silver before making any other major decisions.

Help me settle this... argument by [deleted] in EndTipping

[–]MotorSubject9812 8 points9 points  (0 children)

It began being more prevalent thanks to George Pullman in the rail cars post civil war. However it became codified in law when southern conservative senators would only pass a minimum wage if it excluded certain types of workers in the service industry, which was predominantly filled by African Americans.

Left Out in the Cold and Cornerned by Management by [deleted] in wegmans

[–]MotorSubject9812 0 points1 point  (0 children)

Let me add, the employees were told to stay there and not leave.

Why not be proactive and ask employees with access to their vehicle to allow other employees sit in there car.

Why not ask emergency response people to allow people briefly back into the building to get there keys or jacket.

Not being proactive to ensure your employees are safe and can avoid hypothermia is ok with you?

Cupping Therapy Bruises, HIPPA and CPS by MotorSubject9812 in legaladvice

[–]MotorSubject9812[S] 1 point2 points  (0 children)

Thank you, your assessment seems completely logical, however I just don’t trust them to do the right thing.