This mornings state of the sub….and Vic πŸ˜‚ πŸ˜‚ πŸ˜‚ Lfg!!! πŸ€―πŸ€―πŸš€πŸš€πŸš€πŸš€πŸ§±XπŸ§±πŸš€πŸš€

2021.09.20 13:39 No_Emotion1230 This mornings state of the sub….and Vic πŸ˜‚ πŸ˜‚ πŸ˜‚ Lfg!!! πŸ€―πŸ€―πŸš€πŸš€πŸš€πŸš€πŸ§±XπŸ§±πŸš€πŸš€

This mornings state of the sub….and Vic πŸ˜‚ πŸ˜‚ πŸ˜‚ Lfg!!! πŸ€―πŸ€―πŸš€πŸš€πŸš€πŸš€πŸ§±XπŸ§±πŸš€πŸš€ submitted by No_Emotion1230 to Superstonk [link] [comments]


2021.09.20 13:39 A_Confused_Cocoon Our division learning the consequences of us having Murray and now Rondale Moore

Our division learning the consequences of us having Murray and now Rondale Moore submitted by A_Confused_Cocoon to AZCardinals [link] [comments]


2021.09.20 13:39 nickeyxxx OK, WTF? Is Facebook OK? What in the world...

I wanted to advertise some art. The first campaign I created, I put my top 2 interests. The reach was 170,000,000 people. I said "HOLY JESUS" and tried to decrease the reach by finding very closely related interests to my art with less reach. I found 2 that had around 1,000,000 people. This is perfect. This is what I want. After I selected it, though, the reach dropped to 140,000,000 people. The detailed targeting expansion is turned on. After I turn it off, my estimated audience reach drops to 300,000. This is REALLY weird since my 2 interests in total make up an audience of 2,000,000 people.
Is Facebook drunk? What should I do? The expansion is giving me nightmares. I could select the top interests with it being turned off, and I would still not have 1,000,000 potential reach audience. But when I select 1,000,000 potential reach audience with it being turned on, It shows me that my potential audience will be 140,000,000 people.
I'm kinda salty. Help?
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2021.09.20 13:39 kzieuni Yo mama so ugly and tiny

Yo mama so i ugly and fat i tought i saw a zombie riding a mous
submitted by kzieuni to YoMamaJokes [link] [comments]


2021.09.20 13:39 Good-Watch2854 Help please

So I can play Moto3 on maximum difficulty 120% and it feels too easy but Moto2 and MotoGP are impossible to ride because of the braking ( stoppies! ) Any help? I play with automatic brakes on 'off', assisted front brake on 'moderate', joint brakes are on and brake input modulation enabled.
submitted by Good-Watch2854 to MotoGPGaming [link] [comments]


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submitted by Lukored to ReferralAffiliateCode [link] [comments]


2021.09.20 13:39 the961com 40% Of Skilled Doctors And 30% Of Nurses Have Left Lebanon

40% Of Skilled Doctors And 30% Of Nurses Have Left Lebanon submitted by the961com to The961 [link] [comments]


2021.09.20 13:39 Sultry_Penguin Y E E T

Y E E T submitted by Sultry_Penguin to perfectlycutyeets [link] [comments]


2021.09.20 13:39 AutoNewspaperAdmin [Sports] - Two weeks to go! What we're most excited about in the final 14 days of the MLB season | ESPN

[Sports] - Two weeks to go! What we're most excited about in the final 14 days of the MLB season | ESPN submitted by AutoNewspaperAdmin to AutoNewspaper [link] [comments]


2021.09.20 13:39 Kakkanas I am being honest. I cant have faith.

I do not want to live a life following and believings things that I cant understand or agree, just because it is a matter of faith. I am still open to the idea of finding my faith again but I do not want to force it.
I do not want to just say to myself "lets have faith because many people say so".
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2021.09.20 13:39 TitoFren Uxie raid on me +10ppl

4213 9287 2550
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2021.09.20 13:39 radialmonster 'Hog wild': Insurers, consumers decry COVID-19 test costs as labs charge up to $14750

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2021.09.20 13:39 radialmonster The Affordable Care Act Can Help Au Pairs Avoid Medical Debt - NPR

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2021.09.20 13:39 alcesalcesalces The Luxury of a High Savings Rate; or Who's Afraid of Bonds?

Intro A frequent question on this sub is whether bonds have any place in an accumulator's portfolio. Setting aside the currently en vogue idea of a bond tent (which is a weak asset allocation move of dubious value), many investors here take the view that can be crudely summarized as "stocks have a higher expected return with higher volatility, the volatility is reduced by a long time horizon, I can stomach the volatility, therefore I should be 100% stocks." Another poster has tackled the specific fallacy of volatility being reduced over the long term, but I thought I'd give some attention to bonds to highlight ways they may still have utility for the accumulator.
A Brief Note on Total Return If you Google "BND" to find the return of the Vanguard Total Bond Market ETF since inception, you'll see that the price has gone up a whopping 15% since inception in Spring 2007. Not 15% per year, but 15% overall. Google and Yahoo Finance, however, only report the market price of assets you search. Bonds and bond funds return the vast majority of their value as coupon payments. It's a simplification, but think of coupon payments as bond dividends. Google and Yahoo Finance do not include re-invested dividends, and should not be used for historical analysis of total return. If we look at Portfolio Visualizer's result for BND since inception, we see the more accurate 68% total return for that period.
All values used for the rest of this post will be total returns in real, inflation-adjusted terms.
The Luxury of a High Savings Rate One simple reason putting bonds in your portfolio may be desirable is that it likely won't set your retirement back by a substantial amount, and in exchange you get a decent amount of safety with a reduction in portfolio volatility. Portfolio Visualizer shows us that the annualized growth rate of 100/0, 80/20, and 60/40 US Stock/10-yr Treasurys portfolios have been 8.59%, 7.88%, and 7%, respectively. Giving up 0.7% (or worse, 1.6%) seems like throwing money away.
But what does the FIRE saver lose (and what do they stand to gain) by choosing a more conservative portfolio? By using the NPER family of formulas, we can estimate this.
Assume a FIRE-minded saver who knows that the value of money is in the quality of life that it provides and not as a score in a game that should be run as high as possible. As a result, they are interested in reaching a portfolio large enough to afford a comfortable retirement, and place more emphasis on hitting this number than on dying with the most money. They earn 80k/yr, save 40k/yr for a 50% savings rate, and are targeting a 3.33% withdrawal (or 30x the portfolio) and thus need 1.2M to retire.

What do they get for that extra 0.5-1.25 years of work? In the fallout from the market crash of 2008:
Considered another way, the 80/20 investor needs to save a relative 6% more (42k/yr) to retire at the same time as the 100/0 investor (53% savings rate) and the 60/40 investor needs to save a relative 14% more (45.5k/yr) to retire at the same time as the 100/0 investor (57% savings rate). (Assuming everyone still wants a 1.2M portfolio that allows for spending 40k/yr.)
In his incomparable post on the Psychology of Money, Morgan Housel highlights Charlie Munger's first rule of compounding: "never interrupt it unnecessarily." If there's a whiff of chance that an investor can be spooked out of the market by a 50% drop in their portfolio that doesn't recover for over 3 years, they'd likely be much better off saving 6% more or working an additional 6 months with a 80/20 portfolio than suffer the catastrophe that is quitting the market entirely. We all think we are made of sterner stuff than the "average" investor, but most people also think they're smarter than the average person too.
But Bonds are Useless Now, Aren't They? A concern that has been recirculating, but is by no means new, is that this time it's different and bonds have zero upside potential going forward. Phrased another way, "interest rates can only go up," which oBvIoUsLy crushes their value.
First, it's worth noting that besides any return characteristics, bonds have a place in risk-adjusting your portfolio. This role does not disappear even if bond return goes to 0% or even goes negative. Considered another way, stocks have a risk premium which is extra return in payment for the extra risk you take for holding them. There is no reason to believe that the risk premium for stocks has gone up for some reason, so if the risk-free rate (let's call it the rate on short term Treasurys) goes down from 2% to 0%, the expected return for stocks will go down by the same amount. There is no free lunch; everyone is getting smaller portions.
Second, I can't hold a candle to nisiprius at the Bogleheads forum when it comes to illuminating the fallacies of "common sense" investing ideas like interest rate rises and bond pricing behavior. See his series of posts here and here, demonstrating that the total value of a bond fund will eventually recover and provide a positive return even in a case where interest rates never stop rising.
He follows this up with a series of points that are the best summary of bond dynamics that I've ever come across:
  • Rising interest rates exert a downward pressure on bond prices. The pressure is related to the rate of rise. If interest rates keep rising at, say, 1% per year, the pressure doesn't keep increasing, it is a constant pressure.
  • Bond prices respond to that pressure by moving downward.
  • Because a bond pays back its face value at maturity, its market value must rise to face value at maturity. A bond whose value is down must rise. You can think of this as an upward pull, often called the "pull to maturity."
  • The more depressed a bond price is, the more it has to rise in order to get back to face value.
  • That means that the more depressed the bond price is, the stronger the upward tug.
  • There is a balance of forces. Rising rates push down. The always-approaching maturity pulls up.
  • A forever-rising interest rate does not create a forever-falling declining bond price.
  • As the bond price declines, the pull to maturity becomes stronger and stronger, until an equilibrium is reached.
  • In other words, if the first 1% interest rate rise creates a -6.2% fall in the bond price, that does not mean the second, third, fourth etc. create further -6.2% falls.
  • The relationship, price fall = interest rate rise x duration is only true for a single instantaneous rise. It is not cumulative for long-term continouusly-rising interest rate, or a series of rises.
  • The bond price stabilizes, but coupon payments continue.
Finally, if you're intrigued by the mechanics of bonds (which on the whole are much more complicated instruments than stocks) and want to potentially get extra returns even in an ultra-low-rate environment, see this excellent tutorial on bond convexity over at Portfolio Charts.
Conclusions Owning bonds can reduce portfolio volatility and provide an overall higher risk-adjusted return than 100% equity. Holding bonds may reduce expected return, but with a high savings rate there is minimal impact on additional working years. Bond funds are not facing a permanent zero-return outlook even if you believe interest rates have "nowhere to go but up," and the subtle mechanics of bond convexity offer substantial asymmetrical upside if long duration bonds are appropriate for your investment horizon.
submitted by alcesalcesalces to financialindependence [link] [comments]


2021.09.20 13:39 FurnessPoker Do phobias control your life?

Do phobias control your life? submitted by FurnessPoker to PronounceNews [link] [comments]


2021.09.20 13:39 Additional_Ride_4074 Relationship

I am trying to figure out how I can stop kicking my boyfriend off the bed or up against the wall. I've to cuddle him but u guess I cuddle him to hard in my sleep. I don't that I do it until he says something about it. Please any advice or tips on how I can stop would be amazing
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2021.09.20 13:39 KingFahadX 😩😩😩

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2021.09.20 13:39 pathodengaming Posted a new battle royale CODMOBILE video where I got 14 kills, please give it a watch, any amount of support on this video is appreciated

Posted a new battle royale CODMOBILE video where I got 14 kills, please give it a watch, any amount of support on this video is appreciated submitted by pathodengaming to YouTubePromoter [link] [comments]


2021.09.20 13:39 radialmonster The Affordable Care Act Can Help Au Pairs Avoid Medical Debt - WFAE

The Affordable Care Act Can Help Au Pairs Avoid Medical Debt - WFAE submitted by radialmonster to healthcarebills [link] [comments]


2021.09.20 13:39 randomjocke With this kind of funding, Cars 24 will have to build Tesla or something similar to give returns to their investors

With this kind of funding, Cars 24 will have to build Tesla or something similar to give returns to their investors submitted by randomjocke to anonCorporateChatInd [link] [comments]


2021.09.20 13:39 BarSpecific7127 Was ist das Zeichen?

Wenn man durch die Innenstadt fΓ€hrt und auf die Parkhausschilder sieht, stehen da ja:
Name des Parkhaus P(als Zeichen fΓΌr das Parkhaus) und die Anzahl der ParkplΓ€tze die noch frei sind
Aber dann steht da noch eine Zahl z.b 1;2, und ist auf jedem dieser Schilder anders.
Also meine Frage:Was heißt diese NummeZeichen
submitted by BarSpecific7127 to FragReddit [link] [comments]


2021.09.20 13:39 Bigmesscake Do you consider assassins to be "glass cannons"?

Glass cannon: A target with low health and resistance that is capable of dealing high one shot or burst damage. Low dps, low survivability, and high kill potential. High risk and reward.
View Poll
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2021.09.20 13:39 FurnessPoker Quote of the week

Quote of the week submitted by FurnessPoker to PronounceNews [link] [comments]


2021.09.20 13:39 vasatkaman Test_885402

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2021.09.20 13:39 radialmonster More emergency surgeries in states without Medicaid expansion - North Carolina Health News

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