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Vanguard: YOU'RE FUCKED, MILLENNIALS. Next 10 years returns to be 3% to 5%
Poast new message in this thread
Date: July 8th, 2018 3:37 AM Author: massive grizzly temple https://vgi.vg/2u0isi2
"While inflation is expected to remain low, investors should expect the nominal rate of return on their investments to be in the range of 3% to 5%, compared with historical averages of 9% to 11%, a panel of Vanguard economists said." |
Date: July 8th, 2018 3:46 AM Author: massive grizzly temple Retirement is passe anyway. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383974) |
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Date: July 8th, 2018 3:47 AM Author: shaky site brethren Millenials are going into crypto anyways (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383976) |
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Date: July 8th, 2018 3:53 AM Author: massive grizzly temple May Tezos have mercy on your soul. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383983) |
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Date: July 8th, 2018 7:22 PM Author: appetizing stag film tank (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36387205) |
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Date: July 8th, 2018 3:47 AM Author: Transparent charismatic native kitty cat people who expect 10% returns to continue forever are retarded (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383977) |
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Date: July 8th, 2018 3:52 AM Author: massive grizzly temple What sort of comment is that? Beating a straw man? Cool "history is silly" contrarianism? Oddly recharacterizing the original post? Something else? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383979) |
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Date: July 8th, 2018 3:55 AM Author: Transparent charismatic native kitty cat people here are constantly assuming historical returns will continue in predicting their future net worh/retirement income (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383986) |
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Date: July 8th, 2018 3:56 AM Author: massive grizzly temple What do you predict for the next 10, 20, and 30 years? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383988) |
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Date: July 8th, 2018 3:58 AM Author: Transparent charismatic native kitty cat 10 years we'll prob be about the same level we're at today, we'll for sure go through a significant market pullback before then. 20 years, maybe 2-3% annual returns. 30 years who knows (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383996) |
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Date: July 8th, 2018 4:04 AM Author: massive grizzly temple Are you going with savings accounts, CDs, and treasuries for the next decade? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384003) |
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Date: July 8th, 2018 5:04 AM Author: Transparent charismatic native kitty cat Nope (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384028) |
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Date: July 8th, 2018 8:31 AM Author: massive grizzly temple ? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384255) |
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Date: July 8th, 2018 8:32 AM Author: Fiercely-loyal wild state (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384261) |
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Date: July 8th, 2018 3:57 AM Author: massive grizzly temple We're overdue for a recession, too. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36383993) |
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Date: July 8th, 2018 5:02 AM Author: concupiscible cruise ship gay wizard LOL at saving money for retirement. I don't know what retard came up with that idea. I think about the very concept of that and just laugh to myself. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384027) |
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Date: July 8th, 2018 5:05 AM Author: Swollen faggot firefighter shitlib (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384030) |
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Date: July 8th, 2018 8:08 AM Author: massive grizzly temple Widgets have to be made. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384211) |
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Date: July 8th, 2018 10:28 AM Author: gold roast beef queen of the night Why? Obviously you have to. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384569) |
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Date: July 8th, 2018 11:06 AM Author: amber headpube in a healthy society you wouldn't need to (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384701) |
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Date: July 8th, 2018 11:42 AM Author: irate lodge (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384808) |
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Date: July 14th, 2018 1:11 AM Author: chocolate out-of-control alpha Lol at soyboy farmcuck society. Hunter gatherer societies are the only healthy ones. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423731) |
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Date: July 8th, 2018 12:05 PM Author: concupiscible cruise ship gay wizard Why would you have to when it is impossible? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384909) |
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Date: July 8th, 2018 11:05 AM Author: amber headpube (((I WONDER WHO CAME UP WITH IT??))) (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384691) |
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Date: July 8th, 2018 11:41 AM Author: irate lodge (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384805) |
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Date: July 8th, 2018 5:08 AM Author: Glittery cobalt rehab guy with a defined pension plan here, sup (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384031) |
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Date: July 8th, 2018 7:00 AM Author: pearl disgusting mother corn cake I have one of those on top of my 401k, bro. Unfortunately big banks are cheap with the defined benefit pensions. They put 3% of my annual comp in there and it only earns 4% per year. But they also give me a 5% 401k match so I'm not complaining about the 8% free money. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384112) |
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Date: July 8th, 2018 1:05 PM Author: Deep Background Story (guy who just outted self as working at Chase (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385177) |
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Date: July 8th, 2018 5:51 AM Author: Nubile Khaki Quadroon Digit Ratio Hehe. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384066) |
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Date: July 8th, 2018 6:03 AM Author: mustard casino feces This isn’t really bad news for millennials. You want the high growth years to happen late in your saving cycle when your principal is highest, not earlier when it’s lower. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384068) |
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Date: July 8th, 2018 6:04 AM Author: Transparent charismatic native kitty cat millennials are like 30-40 now, they want the growth to hit soon (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384070) |
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Date: July 8th, 2018 6:19 AM Author: mustard casino feces Not really. Far better for the growth to hit at 45 or 50 than at 35. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384074) |
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Date: July 8th, 2018 8:38 AM Author: Dashing peach dingle berry messiness (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384281) |
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Date: July 8th, 2018 12:12 PM Author: cream arousing hairy legs (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384937) |
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Date: July 8th, 2018 8:06 AM Author: Henna abnormal water buffalo (Compound interest masterman) (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384202) |
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Date: July 8th, 2018 8:17 AM Author: Fiercely-loyal wild state (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384225) |
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Date: July 8th, 2018 3:00 PM Author: Dashing peach dingle berry messiness How is he wrong? You want the largest growth to occur with the greatest AUM. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385666) |
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Date: July 8th, 2018 8:11 AM Author: massive grizzly temple I don't know what your assumptions are, but...
1.1 x 1.03 = 1.133
1.03 x 1.1 = 1.133 |
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Date: July 8th, 2018 8:12 AM Author: Henna abnormal water buffalo People have had the same arguments over Roth versus standard IRAs. *shrug* (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384219) |
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Date: July 8th, 2018 12:46 PM Author: provocative center It all turns on your expectations wrt tax rates (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385055) |
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Date: July 8th, 2018 8:51 AM Author: Flickering Depressive Xo 2018 or 180 tongue in cheek classic, not sure which (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384313) |
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Date: July 8th, 2018 10:34 AM Author: mustard casino feces You seem pretty dumb tbh
https://mobile.nytimes.com/2014/07/26/upshot/why-a-soaring-stock-market-is-wasted-on-the-young.html |
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Date: July 8th, 2018 6:42 PM Author: massive grizzly temple That illustrates why the assumptions matter. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36386868) |
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Date: July 8th, 2018 6:19 AM Author: aqua wagecucks (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384073) |
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Date: July 8th, 2018 6:58 AM Author: pearl disgusting mother corn cake I'm 37. I was investing during the craziest years of the bull market. I got nothing to complain about now :-)
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Date: July 8th, 2018 8:12 AM Author: massive grizzly temple This thread is now about you and nyuug. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384220) |
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Date: July 8th, 2018 11:06 AM Author: Twisted multi-colored parlour juggernaut Want to take a free helicopter ride? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384698) |
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Date: July 8th, 2018 11:07 AM Author: amber headpube no one cares you stupid faggot (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384703) |
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Date: July 8th, 2018 12:13 PM Author: coral spectacular liquid oxygen (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384940) |
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Date: July 8th, 2018 8:37 AM Author: Beady-eyed buck-toothed sweet tailpipe I’ve written about this since 2013. We simply can’t get the compound interest growth and as a result will have to work even longer. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384278) |
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Date: July 8th, 2018 8:43 AM Author: Transparent charismatic native kitty cat but if you can cop dat inheritance, youll be set! ljl fuck this country (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384297) |
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Date: July 8th, 2018 10:29 AM Author: Crawly indigo brunch new version Whole lot of downside for only a little upside (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384572) |
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Date: July 8th, 2018 10:31 AM Author: mint swashbuckling corner regret Not reading the article but does this include dividends?
If a big corp doesn’t even grow it’s profits but has a 15/1 PE, you can still expect 6.66% earnings through dividends and buybacks |
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Date: July 8th, 2018 10:31 AM Author: Razzmatazz Dragon Avoid index funds and ETF's - if you look at a chart of the assets in these vehicles, it explains the herd behavior - basically a giant ponzificaion of the stock market for boomers.
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Date: July 8th, 2018 11:11 AM Author: orchid hyperventilating mad cow disease Show me a fund that beats the S&P 500 over 50 years and I'll put all my money in it today.
Hint: the kike casino always wins. |
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Date: July 8th, 2018 11:12 AM Author: Razzmatazz Dragon BRK.A (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384720) |
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Date: July 8th, 2018 11:27 AM Author: Transparent charismatic native kitty cat what happens when warren croaks (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384754) |
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Date: July 8th, 2018 11:37 AM Author: orchid hyperventilating mad cow disease Buffett himself says this is a bad idea, simply because "it's harder to double the value of a 100BB company than a 1BB one" and that makes sense to me. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384787) |
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Date: July 10th, 2018 11:12 PM Author: Razzmatazz Dragon There are smaller Berkshire esque companies that are built for our times (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36402403) |
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Date: July 11th, 2018 1:33 PM Author: orchid hyperventilating mad cow disease such as? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36405538) |
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Date: July 14th, 2018 12:12 AM Author: Dark Hilarious Range Stain Explain? (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423513) |
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Date: July 8th, 2018 11:21 AM Author: sable 180 genital piercing generalized bond Just put your money in a capital one 2.5% CD and reassess (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384743) |
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Date: July 8th, 2018 11:33 AM Author: soul-stirring abode pervert http://www.xoxohth.com/thread.php?thread_id=2512155&mc=112&forum_id=2 (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384767) |
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Date: July 8th, 2018 11:33 AM Author: stimulating principal's office OH WOW RETURNS ARE GOING TO BE MEDIOCRE IF YOU MEASURE STARTING AT THE TOP OF THE CYCLE HOT TAKE! (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384769) |
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Date: July 8th, 2018 12:12 PM Author: Big school cafeteria (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384934) |
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Date: July 8th, 2018 12:13 PM Author: Pungent Persian ljl (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384939) |
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Date: July 8th, 2018 12:18 PM Author: mustard casino feces (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384955) |
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Date: July 8th, 2018 12:19 PM Author: mint swashbuckling corner regret People have been predicting the top of the cycle for literally 4 years now ljl. I wish I could find the classic post from CongloseSpaceRat where he went all cash in October of 2016
NO ONE FUCKING KNOWS |
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Date: July 8th, 2018 12:51 PM Author: Crawly indigo brunch new version People experienced the 2008 crash and saw the movie "The Big Short" and now they all think they're market wizards. Like you've said, these goons have been "predicting" the crash will come any day now for the past 5 years. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385071) |
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Date: July 8th, 2018 3:02 PM Author: Dashing peach dingle berry messiness We do know that this is now the longest expansion in history. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385673) |
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Date: July 11th, 2018 12:27 PM Author: massive grizzly temple I imagine you running around Reddit, squawking, "correlation, not causation," beaming with pride. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36405059) |
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Date: July 8th, 2018 11:34 AM Author: canary location boltzmann I always assume 3-5% annual growth when calculating my retirement. Anything higher seems irresponsible to simply assume. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384772) |
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Date: July 8th, 2018 11:36 AM Author: Transparent charismatic native kitty cat how much do you think youll need (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384781) |
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Date: July 8th, 2018 11:44 AM Author: canary location boltzmann No idea how much I'll NEED - I can't predict future prices and shit.
But if I take the retirement savings I have today, assume that my annual contributions stay the same, and assume 4% annual growth, I would end up with $2.5 million by age 60.
Probably I'll be able to increase my contributions over time so it would be more like $3 million. But $2.5 million is the conservative estimate. |
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Date: July 8th, 2018 12:32 PM Author: Lascivious address LOL - if only state pension funds like Calpers used your same prudence. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36384999) |
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Date: July 8th, 2018 12:32 PM Author: Aphrodisiac gas station weed whacker (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385001) |
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Date: July 8th, 2018 2:54 PM Author: canary location boltzmann (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385640) |
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Date: July 8th, 2018 3:05 PM Author: Dashing peach dingle berry messiness (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36385689) |
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Date: July 8th, 2018 7:39 PM Author: red up-to-no-good filthpig puppy (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36387325) |
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Date: July 9th, 2018 1:37 AM Author: massive grizzly temple I would be a bit more cavalier if I had a state budget to tap in retirement. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36389282) |
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Date: July 11th, 2018 12:28 PM Author: Chestnut Chad So we get another 70s. That means after that we'll get another 80s. It all evens out. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36405073) |
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Date: July 14th, 2018 12:30 AM Author: massive grizzly temple The long run is a misleading guide to current affairs. In the long run we are all dead. Economists set themselves too easy, too useless a task if in tempestuous seasons they can only tell us that when the storm is past the ocean is flat again. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423599) |
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Date: July 14th, 2018 12:15 AM Author: white bespoke private investor lol at these know nothing economists. the chances of something other than what they predict happening are high. no one can predict the future. (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423522) |
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Date: July 14th, 2018 12:19 AM Author: hot passionate nursing home karate Over a 10 to 20 year period, GC will find a way, stocks will be fine
It's the continual squeeze of the average worker I worry about |
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Date: July 14th, 2018 12:42 AM Author: aromatic national toilet seat Buy ethereum now (http://www.autoadmit.com/thread.php?thread_id=4020476&forum_id=2#36423636) |