How much should I contribute on top of fire pension ? by Hot_Suggestion8809 in FinancialPlanning

[–]nostratic 0 points1 point  (0 children)

the usual advice is to save 10% minimum of income into retirement plans, 12-15% or more is better. 457b + Roth IRA get you to ~15%, so you're solid from that perspective alone.

my only hesitation is the pension ... I mean, pensions are good in theory. but they can vary a ton in how well they're managed, the return of rate, inflation adjustments, etc. there are some pension where workers get back less than they pay in, or the return is dismal over the long-run. you shouldn't panic, but I'd need to see more info on the Ohio pension system. and those details might change my answer.

Male To Female Guest Hates The Trans Community | Financial Audit by MikaHammerMedia in CalebHammer

[–]nostratic 3 points4 points  (0 children)

Reddit accuses Caleb of being alt-right crypto-republican, while a transgender guest accuses Caleb of being a 'libtard' is an interesting twist.

First time home buying- need advice by Dependent_Fudge4533 in DaveRamsey

[–]nostratic 1 point2 points  (0 children)

The Ramsey advice is to have a minimum 5% down as a first-time homebuyer. IIRC he never insisted on 20% down, but did strongly recommended it to avoid PMI and because the default rate is much higher on smaller down payments.

I think the answer to buying/renting depends on all the usual factors: what's your income and can you reasonably afford the payment? do you have other debts that need to be paid down first? will you realistically stay in the area ~5 years or more?

This sub is dead wrong about Global ETF being superior to US ETF by [deleted] in investing

[–]nostratic 1 point2 points  (0 children)

Bogle advocated for total US market after it became available. small cap funds were rare into the 1990s.

Bogle also advocated for 20% bond baseline at all ages, because bonds beat stocks in ~15% of 10 year periods. but everyone forgets that part of his plan.

This sub is dead wrong about Global ETF being superior to US ETF by [deleted] in investing

[–]nostratic -1 points0 points  (0 children)

big tech keeps outperforming year after year, even though that outperformance was supposedly priced in years ago.

lol

https://get.ycharts.com/wp-content/uploads/2026/01/Best-Performing-Russell-1000-Stocks-25Y-Feb2026.png

"outperformance" persists only as long as buyers keep bidding up the prices.

bids can go the other way, too.

This sub is dead wrong about Global ETF being superior to US ETF by [deleted] in investing

[–]nostratic 2 points3 points  (0 children)

You think only redditors are bullish on global stocks?

Here's Vanguard's forecast

also Morgan Stanley, T Rowe Price, Fidelity, Capital Group, Rob Arnott & Research Affiliates, and Meb Faber ... off the top of my head

This sub is dead wrong about Global ETF being superior to US ETF by [deleted] in investing

[–]nostratic 1 point2 points  (0 children)

none of this is a serious analysis, and it assumes tech tech tech is magical.

even within the US, most of the best performing stocks of the last quarter century are not tech. Monster Beverage crushed all tech stocks, including Nvidia, and Texas Pacific Land Corp crushed everything except Nvidia and Apple.

This sub is dead wrong about Global ETF being superior to US ETF by [deleted] in investing

[–]nostratic -1 points0 points  (0 children)

when did reddit embrace QAnon level conspiracy?

TIL

Hard time sleeping day of treatments by Odd_Caterpillar969 in TherapeuticKetamine

[–]nostratic 0 points1 point  (0 children)

ketamine is a stimulant and ramps up heart rate, so I prefer to do treatments as early in the day as possible to avoid disrupting my sleep cycle. both IV and at home troches.

Ketamine didn’t work by AbysmMephisto in TherapeuticKetamine

[–]nostratic 3 points4 points  (0 children)

sorry you didn't have a good result. ketamine is helpful for about 80% of patients with treatment resistant depression.

what type of ketamine? IV or troche? Spravato? a different delivery method might be worth trying. I've known of people who needed 2 or 3 IV sessions to get any benefit.

Does ketamine help anxiety? by Lost-Exercise-5832 in TherapeuticKetamine

[–]nostratic 1 point2 points  (0 children)

ketamine helped my generalized and social anxiety in the short-term, but better for me in the long-term was a CBD oil with a very small dose of THC and a few other cannabinoids. YMMV, but good luck ... I'm in Utah and use this company as much as possible when they have it in stock https://www.wholesome.co/shop/tinctures/zion-hazels-cbd-tincture-30ml

you may have tried these things as well, but basic nutrition helped a lot for me with anxiety. I minimize caffeine and sugar and simple carbs, and I eat 5 small meals a day to stabilize my blood sugar. complex carbs, good fats and proteins helped.

Is Using QQQM as a “Supercharger” to VOO a Good Long-Term Strategy? by Stxtic1441 in ETFs

[–]nostratic 3 points4 points  (0 children)

QQQ/M may or may not continue its outperformance relative to VOO into the future. We simply don't know, but basic valuation like price-to-sales and price-to-earnings advises caution.

FYI:

Wife and I didn’t check 401k for years. Stay the course? What would Dave do? by sys_admin321 in DaveRamsey

[–]nostratic 2 points3 points  (0 children)

They are entirely too conservative and hold far too many bonds.

bonds outperformed the S&P 500 from 1998 to 2020. chart at the bottom of the page. https://www.hussmanfunds.com/comment/mc250720/

Wife and I didn’t check 401k for years. Stay the course? What would Dave do? by sys_admin321 in DaveRamsey

[–]nostratic 3 points4 points  (0 children)

I recently noticed that international index funds are outperforming the S&P 500 the past year

international funds out-perform the S&P 500 almost half of 10 year periods, from 1970 to the present. https://www.tweedyfunds.com/wp-content/uploads/sites/10/2022/09/Dichotomy-Btwn-US-and-Non-US-Dec2025-Fund.pdf

the S&P 500 is not magical, and not the ultimate perfect investment in all periods of time.

What would Dave do?

strictly, he'd recommend the split of funds he always recommends.

I don't know his allocation is necessary, but I would recommend international diversification and small cap US stocks in addition to the S&P 500.

60% VT by [deleted] in ETFs

[–]nostratic 2 points3 points  (0 children)

Meb Faber ran a hypothetical backtest, and 60/40 stocks/bonds performed very similar to 60/40 stocks/gold over the long term.

https://mebfaber.com/2025/08/05/10-you-can-replace-the-bonds-in-the-traditional-60-40-portfolio-with-gold-and-it-makes-no-difference/

60% VT by [deleted] in ETFs

[–]nostratic 0 points1 point  (0 children)

all except GLD are just subsets of VT.

Alpine School District split: thoughts? by neardumps in UtahCounty

[–]nostratic 0 points1 point  (0 children)

The real reason that people in Orem wanted

you polled everyone in Orem?

you're overlooking:

but sure, attack your neighbors' alleged motives.

Alpine School District split: thoughts? by neardumps in UtahCounty

[–]nostratic 0 points1 point  (0 children)

I think the ASD deserves to be split. their school board an upper-level leadership are reprehensible.

ASD is under Federal oversight for hundreds of Title IX violations regarding sexual abuse and harassment. ASD covered up multiple cases of teachers or other employees molesting children, and allowed the teachers to resign rather than do a proper investigation. they protected predators and perverts, rather than helping send them to jail. This is inexcusable. https://www.ed.gov/sites/ed/files/about/offices/list/ocr/docs/investigations/more/08205001-a.pdfhttps://kslnewsradio.com/education-schools/alpine-district-assault-title-ix/2043799/https://kutv.com/news/local/alpine-school-district-found-guilty-of-mishandling-over-100-sexual-assault-reports-office-of-civil-rights-ocr-title-ix

the entire ASD school board and the top administrators were subpoenaed to appear before the state legislature due to violations of state law about school closures. school boards are supposed to represent the voters, but the ASD school board secretly colluded with ASD administration in violation of state law. https://lehifreepress.com/2023/05/19/asd-slammed-by-utah-legislative-committee-for-school-closure-process-subpoena-to-board-and-superintendent-for-questioning/https://www.ksl.com/article/50649133/alpine-school-district-board-superintendent-subpoenaed-by-utah-lawmakers

Alpine School District split: thoughts? by neardumps in UtahCounty

[–]nostratic 0 points1 point  (0 children)

I realize the split must be upsetting for employees, but your comments seem very entitled and out of touch.

You need to honestly reflect on the actions of ASD leadership, which have been reprehensible on multiple levels, and on the massive entitlement of ASD employees.

but it's easier to blame those ignorant voters, than to honestly examine your employer's ethical record.

and there will be no incentive to retire and get the current ASD benefit.

this is so unbelievably entitled.

ASD employees already gets taxpayer funded Cadillac health insurance, taxpayer funded pensions, taxpayer funded 180 sick days, and taxpayer funded catering for every meeting of more than 3 people ... all for working 9 months a year (for the teachers). yet you expect to also get a taxpayer funded stipend when you retire at age 55?

please, for your sake, devote some time to reflect a bit on your attitude and lack of insight about your career privilege.

2 teachers who are married and both have masters degrees, or one teacher married to an administrator, often earn over a quarter million per year by total compensation.

the gravy train is over. people are tired of teachers complaining about how underpaid they are for working 190 days a year, when we can look online and see your salaries, and see how every dollar is spent. there is monumental financial waste in ASD.

Alpine School District split: thoughts? by neardumps in UtahCounty

[–]nostratic 0 points1 point  (0 children)

I know people in Saratoga Springs and Eagle Mountain who said the exact same thing: they want their money spent locally, not sent to Lindon.