remember when SP was going to launch his perpetual motion judgment machine
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Date: April 25th, 2026 11:02 AM Author: niggerstomper59 (β
π)
and just keep taking judgment after judgment in a perpetual motion self-sustaining financial machine that was going to make him super rich by taking all of our assets until all poasters were picked completely clean?
good times, good times
(http://www.autoadmit.com/thread.php?thread_id=5860376&forum_id=2),#49841716) |
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Date: April 25th, 2026 11:14 AM Author: .:.:?:;.:.;.::.;.:;
cool story dude.
Your career is a fucking joke btw.
It really bothered me how your second DUI was a double hit and run. Only complete pieces of shit do hit and run.
(http://www.autoadmit.com/thread.php?thread_id=5860376&forum_id=2),#49841768)
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Date: April 25th, 2026 11:30 AM Author: .:.:?:;.:.;.::.;.:;
You didnt own up to shit. I read the reports and all about the dishonest weasly "letters of support" that didnt have all the information from you--i.e. you lied to friends and family. It was only because you did a lot of pro bono work (i.e. were office deadweight) that the Cali state bar eased up on you and only insisted on AA and interlock (lol). Ironically the interlock only increased your coke and stimulants abuse.
And it wasn't just "a hit and run" you hit two fucking cars and smashed them both up and grabbed the detritus and put it in your car and then crashed into someone's yard while fleeing responsibility -- your ass should have been suspended and in most states you would have been. You are lucky New York SB never caught wind of this or they would have more than reciprocated I can tell you that much.
And this "incident" was the SECOND time for you pal.
Complete narcissist. Absolutely disordered. Keep it up at Littler as "special counsel" i.e. dont fuck up during this trial period or its back to marginal employment for your living-w-mamma junkie ass.
(http://www.autoadmit.com/thread.php?thread_id=5860376&forum_id=2),#49841820) |
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Date: April 26th, 2026 10:48 AM Author: brian eno and john cale running a train on ur wife ((zurich is stained))
about two years ago, i started hate-watching dave ramsey videos (you are aware of how i get autistically obsessed with things).
on one of the videos, he was giving advice to some poor about why they should invest in a front-load actively managed "mootul" fund that would return 12% a year like clockwork, each year, and become "a perpetual motion machine" of returns such that the poor could just get his balance to $2m and retire on $150k a year and be fine forever.
this thread made me think of that video.
btw, dave ramsey officially endorses mootul funds with a 1.5% expense ratio and charging like 5% up front, in case you're interested. i suspect he recommends those to his poor prole listeners.
(http://www.autoadmit.com/thread.php?thread_id=5860376&forum_id=2),#49843992) |
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Date: April 26th, 2026 10:58 AM Author: brian eno and john cale running a train on ur wife ((zurich is stained))
i don't disagree, but there is absolutely no, and i mean no, scenario where the following is good advice:
1. instead of buying voo or vgt or whatever and paying essentially 0 fees, you should invest in a fund that costs you 5% immediately and then like 1% thereafter, for performance that will lag voo/vgt.
2. count on 12% returns, uniformly, every single year and make financial decisions that will blow to smithereens if we have 2-3 down years in the market.
he should just be telling people to go to vanguard, fidelity or schwab and finding broad-based index funds, investing in those, and also educating them that they SHOULD NOT count on 11-12% returns per year and explain sequence of returns risk in a manner that a retard poor can understand.
following the above advice would lead, and very likely has led, proles to financial ruin. and these are people that can't just get back in the job market as you or i might be able to.
he no doubt knows all this, but he is putting his own interests ahead of those of his retarded followers. first, he shills for mootul funds and gets some kind of kickback. second, he needs people to remain invested in his retarded programming. most proles cannot ever hope to reach $4m or even $2m. they MIGHT be able to cobble together like $1.2m. he NEEDS them to think that they can do that and have a comfortable retirement, so he shits all over the 4% withdrawal rate rule (because, as he says, any good mootul fund returns 12% a year, EASY).
(http://www.autoadmit.com/thread.php?thread_id=5860376&forum_id=2),#49844028) |
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Date: April 26th, 2026 11:47 AM Author: brian eno and john cale running a train on ur wife ((zurich is stained))
how can you possibly say that dave ramsey's advice is cr? he is telling people they can withdraw 10% in retirement, and he has openly said that he tells people this because they otherwise will "have no hope" that they can ever retire, because he knows they'll only be able to amass like $1.5m or so over a 30-40 career of shitjobs.
so he's basically saying "hey, you're cool to get to $1.5m and withdraw $150k yearly (plus 3% a year for inflation bc inflation also is only ever 3% a year), all good. happy retirement!" and someone who did that just before the financial crisis would have been utterly DONE HERE.
we seem to be saying the same thing bc you acknowledge that doing the above "could" lead to financial ruin. and yet what i described is exactly what he tells his listeners to do. i would bet money that in 2010/2011 a good number of his listeners were financially busted and having to figure out how to re-enter the workforce.
the fact that he's telling them to use high-fee actively managed funds is just the icing on that cake of shit. the real problem with all this is his contention that the 4% rule (or 5% depending on who you listen to) is stupid. his pushing stupid shitfunds that lead to people getting suboptimal returns is bad, but it pales in comparison to him telling people to retire with less money than they need, which is a cornerstone of his idiotic program.
not sure how you can say this is cr advice, when it would lead in plenty of circumstances to someone having to cancel their retirement after a few years bc they are out of money. that is very ncr.
(http://www.autoadmit.com/thread.php?thread_id=5860376&forum_id=2),#49844114) |
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