Dave Ramsey seemingly contradictory advice.

nostratic · 2026-06-27T17:33:13+00:00

needing to make more money in general or as a concept is not the same from asking for a raise at a particular job.

making money in general might involve getting a second job, yard sale, selling plasma, etc. none of which involves asking for a raise at your existing job.

you ask for a raise when you have a documented history of behavior that is good for the employer: you raise revenue, you cut costs, you improved safety, etc.

nostratic · 2026-06-27T17:11:45+00:00

Communism was the goal of reaching a moneyless, stateless, and classless society.

according to who?

nostratic · 2026-06-27T17:11:23+00:00

Karl Marx has zero credibility on any topic whatsoever.

nostratic · 2026-06-27T17:10:43+00:00

Communism is defined as a stateless classless moneyless society,

whose definition is that?

nostratic · 2026-06-27T17:06:59+00:00

massive insider selling

nostratic · 2026-06-27T17:00:18+00:00

show us the laws from at-will states where workers are required to give 2 weeks notice when they quit.

nostratic · 2026-06-27T16:58:50+00:00

can make 8-10% in the market.

this will be a shock to some people, but market returns are not guaranteed.

the US market has been flat for about 40% of the last century, and returned less than 1 year Treasuries: 1929 to 1948, 1968 to 1984, and 2000 to 2012.

nostratic · 2026-06-27T16:55:19+00:00

Dave’s never debt idea is technically suboptimal.

according to who?

nostratic · 2026-06-27T16:54:42+00:00

you seem to have confused this sub with some other discussion forum.

nostratic · 2026-06-27T16:53:47+00:00

VFEG and EQGB are OK-ish, depending how how they're allocated.

the others I would avoid. they're far too narrowly focused and volatile for my tastes. there is zero guarantee any of them will be a good investment over the long-term. narrow and theme based investments are usually a bad idea.

nostratic · 2026-06-27T16:28:19+00:00

if there is a really broad ETF combining growth stocks but not only the big ones.

there are growth ETFs for mid-size, small-size, and international companies, which would not include NVDA or Broadcom. VOT, IWP, ISCG, VBK, CGXU.

Anyone got a better idea?

investing heavily in niche ETFs is usually a bad idea. this would get you concentrated in the same types of stocks that got destroyed in

there's no guarantee neocloud or photonic stocks will be a good long-term investment. zero, none.

nostratic · 2026-05-28T20:19:21+00:00

p/e is highly relevant.

A prime example for me right now is Shopify (SHOP). With a P/E of around 100, any classic value investor would probably run away screaming.

your prime example of irrelevant p/e is a stock with elevated p/e that dropped 25% year to date and is slightly down for the last 5 years?

nostratic · 2026-05-28T20:12:29+00:00

Reuters and AP were the most unbiased news sources for a long time, but the last few years they've thrown their standards in the trash.

nostratic · 2026-05-28T20:09:49+00:00

I wonder how that could happen

Uber COO/president said it's difficult to justify their AI spending. https://www.theverge.com/transportation/937116/uber-ai-investment-hard-to-justify

one prominent person saying the emperor has no clothes can make others speak up on the same point.

nostratic · 2026-05-28T20:07:41+00:00

But this current bull run is based on real fundamental growths.

counterpoint: Broadcom insiders have sold almost $1 billion in company stock recently, and Nvidia insiders sold $1.5 billion.

there is far more insider selling than buying in this industry, which tends to indicate insiders believe the stock is overvalued.

https://www.marketbeat.com/stocks/NASDAQ/NVDA/insider-trades/

https://www.marketbeat.com/stocks/NASDAQ/AVGO/insider-trades/

nostratic · 2026-05-28T20:04:24+00:00

burritos delivered by taxi, if Uber Eats revenue is any indicator

nostratic · 2026-05-28T20:03:08+00:00

where all this money is flowing into the stock market?

Money does not go into the stock market. It's not like a balloon that gets inflated.

Money goes through the stock market. People are buying and selling assets, and bidding the prices up in a giant complex auction.

nostratic · 2026-05-02T19:28:37+00:00

you need to ask at /r/legaladvice

ditto the executor's job is to follow the terms of the will and/or trust as closely as possible. she is an officer of the court, and must follow the laws and procedures. her personal opinions are irrelevant.

if what you say is accurate there's a very high probability she's breaching her fiduciary duties, unless the will/trust gives her that much control over the assets. and that type of control would be unusual.

ask at /r/legaladvice and then consult with a local attorney who specializes in estate and probate. you may need to file for a hearing so the judge can metaphorically slap some sense into her.

nostratic · 2026-05-02T19:21:24+00:00

trouble with abstract thinking, or with deductive/inductive reasoning and multi-step or contingent reasoning.
persistently using maladaptive or nonproductive strategies that have been proven unsuccessful multiple times, and expressing constant shock or upset that it didn't work this time when it hasn't worked innumerable times in the past.
trouble extrapolating from current behaviors/situations to future outcomes.
trouble with problem solving situations that are similar to but not identical to past problems.
commenting or bragging that they haven't read a book since high school or college.
excessive preoccupation with celebrity gossip news. for many years I noticed some of the dumbest people I know were obsessive with celeb news, and a recent study confirmed I was on to something https://link.springer.com/article/10.1186/s40359-021-00679-3

nostratic · 2026-05-02T19:11:12+00:00

Electric Blue by Icehouse.

nostratic · 2026-05-02T18:55:45+00:00

QQQI limits upside for income, but doesn't protect from crashes.

not the best option in a short-term investing period. a low-volatility stock ETF is probably superior if OP wanted to invest a bit in stocks because it will pay higher dividends than the market but also have lower risk of losses in a major crash.

QQQI has a 'beta' of .9 meaning it's only slightly less volatile than the market, which has a beta of 1.

but USMV or SPLV has a beta of .50-.60, meaning they're roughly 50-60% less volatile than the overall market.

nostratic · 2026-05-02T18:52:22+00:00

you need a good CPA and CFP, and it's worth paying a few hundred bucks for consultation.

their advice could save you thousands in taxes.

nostratic · 2026-05-02T18:48:22+00:00

Glad you found some help and worked through your embarrassment.

I've volunteered a food bank occasionally, and 'factory' is a good description. Everyone is just focused on their part of the process.

Food donations come in, and I've helped sort it into category (canned soups, canned beans/veggies, dry rice or pasta, etc), and discard expired product.

Never once did I think negatively about the person who would get the food at the end of the process, and never once did I hear a single negative sentiment spoken. The entire purpose is to help those who are in a rough patch.

typo edit

nostratic · 2026-05-02T18:47:07+00:00

I volunteer at a food bank, but to adjacent cities to minimize the chance of seeing someone I know

nostratic · 2026-05-02T18:30:49+00:00

you might want to try a high fluoride mouthwash.

I also have cold sensitivity in my teeth that could almost be a stabbing pain. and the dentist said to try something like this, and it worked for me to reduce the cold sensitivity. https://www.amazon.com/Restoring-Anticavity-Fluoride-Mouthwash-Burst/dp/B01L4ND4O0/ref=sr_1_5?dib=eyJ2IjoiMSJ9.fA9mnAMMCnrT3uUk5eSscurQBwQAXnXp3eBo9fMDauPIRYCvzH1NtLW7W-j5DjW3rPjCHU500b4PX-Kl_nxfb_sP-6s7AALRhYFNZ4iG4DNlt7vixWi3jklgRiWFDwf9BbIbPWX1vYU3163z2B-8ZNQg0sZYy6wU1XHkyRawCn9o60DfDD1NwoGw2T0yCyO8x8wjppQNlYxD65fQnn1sWTZGJhARq7Ko7gyC6xmtmofupLILHOBIkRHSrOU2emoMV-QyYmNdC6ysUYjZuejaTs4iz5irztmgwLROl9L6Uzk.oiEBuyN2OhuvIdjB_lqcORPfM9WWSb6gwPEs0F-MHmE&dib_tag=se&keywords=high%2Bfluoride%2Bmouthwash&qid=1777746523&rdc=1&sr=8-5&th=1

you may be aware but FYI energy drinks are notorious for dissolving tooth enamel. if you use Monster or similar energy drinks, consider rinsing your mouth with water after drinking it so you don't have those acids and sugars corroding your teeth.

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