Hey everyone! I've never had such a high savings rate before, I've never made as much money as I currenly do and I've never been able to take off such large amounts of time from work to do things I love (like travel). I'm just so stoked. I understand that not everyone can be in a position like I am (I also know some people are in "better"positions). However, I don't have anyone to share this with. None of my friends or family care and my GF just thinks I'm a dweeb whenever I even mention finances.
A little about me...
I'm 34 years old and spent most of my life this far living pay check to pay check.
I prioritize traveling and free time away from work and usually take 3-6 months off a year. Even doing this, I've still been able to max out my 401(k), Roth IRA, and HSA, but not much else. Due to my sporadic income and long periods of not working, I have to do a fair amount of financial planning to reach my goals. Every January I sit down for what seems like days on end and plan out my budget and finances for the entire year and due to my highly variable monthly expenses, income, and living arrangments, it's not a quick task. Every month I sit down and add up all my spending, log it, compare it to my budget to make sure I'm on track and adjust accordingly. Every week I go through all my credit cards and bank accounts and make sure there is not anything fishy going on.
My Full Time (But Only Half The Time) Job.
I'm a travel nurse. I work 3 month long contracts so every 3 months my pay changes and it can change dramatically. I'm currently making $5,400 pre-tax a week (I've made as "low" as $2,300/week). If you had told that 24 year old me as I was contimplating dropping out of nursing school that I would be making six figures a year while only working half the year all on a community college associate degree education, I would have laughed. I mean, at that time I was working 3 minimum wage jobs to get myself through nursing school. I was so exhausted that one morning on my way home from a long night shift at the nursing home, where I worked as a nurses aid wiping butts and changing adult diapers, I fell asleep driving. That alone would have been bad enough, but I ended up hitting a cop (I will be forever grateful that it wasn't a pedestrian or child). It was there, as I sat on the side of the road during a cold, wet Washington morning that I contimplated quitting nursing school. I hated it. I hated death, I hated shit, puke, infected ulcers, flaky skin,
... keep reading on reddit ➡
No one is reporting on the fact that NY has a 83% vaccination rate (70% if you follow the "fully vaccinated" goalposts), but their covid cases are up 3x above pre-vaccination (yes thats right, before vaccines existed) amounts. By itself this data is indeterminate, but the deaths have not budged AT ALL, and ICU hospitalizations are going DOWN. COVID has done cucked itself into a regular seasonal flu. Everyone I know in NY that is vaccinated is getting omicron. No politician wants to touch mandates with a 10 foot pole and people are fed up with following guidelines, I think covid is just going to slowly fade out of the news.
EDIT: Some below were curious about how other places further along into the spike look and how places with a lower vax rate look, kindly check out South Africa (third world country with poor health infrastructure) and Alabama (third world country with poor health infrastructure and incest) numbers. They all support the idea that omicron is castrated covid.
TLDR: Short vaccine companies in a few months, long industrials and anything bottlenecked by supply chain issues, short car insurance companies, long travel, long oil
Source: Google "NY covid cases" and google will give you all the nice charts at the top of the page, don't take my word for it, and thank the news for being unbiased and reporting this /s
How would you play the risk? The spike on avg 30-year is up over 3.6 right now and I've got some fear it's gonna keep flying, but maybe it's too fast and will correct some. My loan officer isn't helping much on making a decision. What would you do?
Edit: apparently there's a game for this (thanks u/backwatered!), but it's not very extensive at all https://www.vox.com/policy-and-politics/2017/11/1/16526202/college-scholarship-tycoon-game it exists more to make a point than anything else
I would love a zoo-tycoon type game. CS majors, get in on this!
I’m even sitting on 17,000 Legendary Shards and I just can’t justify spending 30 for one Core, let alone 400 for a Prism. Haven’t bought a single one since the price change.
In the old system I’d buy two Cores for a total of 30, but stop when the price escalated to 40. The price should be 20, maybe 25, per Core.
And don’t get me started on Prism prices at Spider. You can buy all of the glimmer and materials needed for Banshee/Ada and get a Prism for the low 300’s. So why are we dropping 400 at spider? Who does that even? If a Core drops to 20, then a prism should be something like 205-210 max.
edit: I'm aware there are other sources of getting these materials. This is not the point of the post, the imbalanced economy needs to be adjusted.
***Edit- clarification on time line. This has already started and will go through the next week or 6.
****Edit 2 I am not saying down or up, I am saying extremely volatile (e.g. all over the place**
Greetings,
Raising interest rates is what made 2018 kick-off. When companies can get low interest loans from the fed they buy risky assets ( tech stocks and crypto)
For reference:
https://thehill.com/policy/finance/408552-fed-raises-rates-for-third-time-in-2018
Then the rate go up they liquidate that investment and pay off loans
Tomorrow we should see some crazy volatility with the announcements of the intersts rates. Wednesday is a key day
Set news traps for the federal reserve and jerome powell
It may go up ( parabolic) if the rates are perceived as good ( I dont think so)
https://www.federalreserve.gov/newsevents/calendar.htm
https://preview.redd.it/px5f1qtmrjd81.png?width=2471&format=png&auto=webp&s=2ff27cef6ee0cded3aad39cff6fa1fe8d9ea4da2
On top of that tomorrow, late morning is the beginning of the Options expiry
If you learned anything about CAlls and puts from GME and AMC you know that most big players do big options contracts and then influence the price by washing the market ( pump and dump)
If you want to know where the price will be at the end of the month you can look where the largest volume strike prices are on options contracts
https://www.coinglass.com/options
Save this link and scroll down to the strike price. Generally speaking the more money on an options contract strike price means the higher probability of the price being manipulated/ washed into place for hedgies to collect their nuggie$.
The bears and bulls will be fighting tomorrow to push the price on btc below 33000 and above 35000
https://preview.redd.it/ofj3e1ehsjd81.png?width=3398&format=png&auto=webp&s=33c0e7d4a1c2ae220b68b18f47c1aee781768d54
Eth will have a tug o war between 2000 and 2700
I see 2000 winning with the interest rate hikes
https://preview.redd.it/481dmw9rsjd81.png?width=3053&format=png&auto=webp&s=6ef309a1524a9d2147c06c9ff0d2ba43e52b0833
Options often expire on the last Friday of a month for the monthly. Every 3 months is a big Quarterly expire
so 1/27 evening expect crazy price movement, then at
... keep reading on reddit ➡Has anyone else noticed this happening. I was talking to an old lady the other day about strategy and she's like I just accept whatever the rate is.
She said she was just looking for something to do and that in her view $3 was good for 6miles 😭😭😭😭😭😭😭
I tried to explain that it wasn't
I notice a sudden up take on retires dashing and now the rates in my area are laughable low 😓😓😓😓 this literally started a week and a half ago
Corporations have been buying large swaths of homes in America. This falsely inflated the value of homes, as the corporations were in many cases vastly overpaying. The over appreciated homes raised appraisal values. Which in turn has raised property taxes.
Then comes Covid. Which created the Supply Chain crisis. Which along with energy prices have driven up inflation. Then comes the FED, raising interest rates. "To combat inflation."
Zillow closed it's property buying division. The corporations now are unable to unload all of these homes. Due to the rising interest rates.
People are now literally priced out of the over appreciated homes. As wages have been stagnant.
Texas is a bulwark for the Real Estate Industry. I work in this industry. Consider me the canary in the coal mine. It's about to crash spectacularly.
Genuine question: Even if Omicron is less severe, wouldn’t the sheer aggressiveness of this strain and high infection rates turn into high rates of hospitalisation regardless?
Analogy: In a video game (Destiny 2), my gun deals lower damage per shot, but it is of a much higher firing rate tier. In a DPS phase (time to damage the boss) of 1 minute, I would deal MORE damage over time because of me putting more shots out than the others per second. To top it all off, my gun increases damage exponentially the longer my trigger is held.
https://www.ncbi.nlm.nih.gov/labs/pmc/articles/PMC8539273/ Study based on nearly 20,000 patients hospitalized with myocarditis.
Scroll down to table 3, it has statistics for the observed survival rate (all-causes mortality) and the relative survival rate (accounting for deaths from other causes) for a handful of age brackets, gender and over a 1, 3 or 5 year span. Some people like to cite a 50% death rate over 5 years, but the reality is the death rate in young people is far, far lower than this. 1% relative survival rate, and 2% observed survival rate for males aged 21-40.
Keep in mind, additionally to this, having myocarditis in the first place is a rare event.
Key passages (not the entire article):
>Gov. Charlie Baker, who remains hyper-focused on maintaining in-person learning for K-12 public school students to protect their mental and social well-being, on Friday sternly rebuked ongoing COVID-19 protocols at universities.
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>“We must acknowledge the mental health toll and the futility of over the top restrictions when nearly everyone is vaccinated here,” Baker said in a tweet Friday morning.
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>In his tweet, Baker shared a Boston Globe editorial written by University of Massachusetts Amherst and Lowell professors calling for a return to normalcy after “two years of isolation, disconnection, and punitive restrictions” that have “dramatically worsened” the pre-pandemic student mental health crisis. The piece was headlined “College COVID restrictions have become overkill.”
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>The policies in effect now, the professors wrote, seem to harken to the early days of 2020, including consistent indoor masking and limits on social gatherings.
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>UMass administrators are urging students to wear high-grade face coverings, such as N95 masks, at campus buildings this spring semester. Students and staff are also required to get their COVID booster shots before classes start on Tuesday. In the fall, more than 97% of the UMass Amherst community was vaccinated.
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>“Early in the pandemic, we made tradeoffs that sacrificed the mental well-being of young people; now is the time to bring those tradeoffs back into balance,” the professors wrote in The Globe on Thursday. **“It is now clear that we will be living with an endemic respiratory virus for the foreseeable future. We call on university administrators to immediately reconsider the policies th
RI just shattered its positive case rate. Over 5000 positive tests, over 4000 cases. 382 hospitalized (but those are subject to regular upwards revisions, so probably closer to 450). We're now 20 times higher than Raimondo set as the safe limit to reopen schools in fall of 2020. Kids are still eating in cafeterias unmasked. Those cases will only show up at the end of the week.
https://preview.redd.it/0a7cktnndq981.png?width=1793&format=png&auto=webp&s=3c8545f4e87f8b38cae8d017f3e4e0f0e32623c1
