Decimal fractions of a percent are low fee. Vanguard is mostly, if not completely, low fee.

I joined https://www.bogleheads.org/ which was also when I started learning about mutual funds

Bogle started the first index fund family (Vanguard), so there is an index fund bias with many there, but the forum has very knowledgeable people. (Full disclosure, I am busy, and use indexing myself, but not in Vanguard.)

You have managed to hit the best all-around choices on your first try.

The large difference is to learn to have the discipline to ride out the ups and downs of investing. In a recession, it is a gut punch to see your hard-earned investments drop. The losing segment says the whole market is rigged, screw this and lock in their losses by selling. When the market improves, highs are being clocked, these same are likely to forget their previous folly and buy in again. It is investing that is controlled by emotions, and is a buy high, sell low outcome. Mastering your emotions in investing is the key to investing. Many people give 1/4th of their money to brokers so that they will be reminded of the previous paragraph, when they need it most.

We are financially independent thanks to indexing, and using emotions in a constructive way. We also have been through a few ups and downturns, making money in each cycle, by riding it out, and asset allocation.

Follow your plan and ride things out, and you will likely be a multi-millionaire. It is not overnight, though.

My realization, now, was that they did. I was too clueless on picking up cues to realize it.

My spouse and I are registered to donate our bodies to a medical college. If we can advance medicine in even a small way, it is still a move to better life and health.

Meat bags

Putin is as far as one can get from Mandela.

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I have followed ‘news’ from Russian outlets such as RT and Sputnik, being recast as Right wing talking points within hours. This is not just recent, it has been going on for years. Hamilton68 documents examples. The parallels of this propaganda being sown to the lies dispensed to Ukraine to sow dissention is obvious. It is a cheap warfare, and it works. Tucker was and is in the trade of packaging Russian propaganda as news. He should be labeled as such. Carlson was discredited and fired by Fox. Spreading lies, admitting to doing so on archived tapes, and iirc, sexual harassment was in his part of the discovery on Fox’s $780M settlement. In short, Tucker Carlson is on record for knowingly spreading lies, for personal monetary benefit. This is more of the same. I hope every person watches Carlson, knowing that Carlson reports what enriches him, not truth. Carlson has a transparent agenda. The unanswered question is who pays Carlson. That will be obvious by who’s boots that Carlson’s reports shine.

Write a note to let that person know how valuable and wonderful a person that they are. Using specific examples is good. This isn’t the time for vague platitudes. I would tie any gift in with how much they have done for others, and how deserving they are.

“Here. Hold my beer” Has started several Darwin awards.

Pretty soon, Trump can take a sabbatical. He can take some time to right a book. “My $truggles” has a certain ring to it. /$

Reuters, AP, NYT, WP, and to a small extent, Ground News. I filter for high factuality. My viewing is rated as slightly skewing left, but this is caused by so many Right sources are not credible sources. Known lies are not worth my time. My biggest gripe about Ground news is that to be balanced, I must waste time on sources that are not credible. Sadly, I can listen to RT or certain USA Right leaning politicians after a little time, and hear the same news.

I forgot FP Foreign Policy and the Economist.

The paths of power have many blocks. If I were from Tuberville’s state, I would be looking at how retaliation against Tuberville affects my state. Remember when Christie blocked a highway to a neighboring state, with a pretend maintenance? Oopsie, it was his underlings that did it.

/$

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Lie detectors LIE. They measure small body changes, supposedly to find a baseline for a true statement, and a change, indicating a lie. At best, they may measure a change, that can be for many reasons. They can be most useful to law enforcement. Telling a defendant that his/her test was guilty can force an innocent person to take a plea of reduced charges. (Police ARE allowed to lie.)

As a result of my torture trauma past, I will never take a chance over it. The environment of being questioned is would be a huge trigger, as I careen in trying to simply getting through a questioning without a full fight or flight meltdown. I consider myself to have a high probability of being a false positive. I have never needed to test it out, fortunately. Courts do not recognize them as reliable, either, but lawyers will use a good result to clear a client, though. Sociopaths, by their lack of conscience, can fool these tests, too.

Brain wave tests supposedly work better, but that is just researchers reports. AFAIK, no rigorous meta studies have been done.

The amounts have changed. For 2023, the current 401K maximum is $22,500, and if you are 50 or older, $30,000.

For 2023, the total contributions you make each year to all of your traditional IRAs and Roth IRAs can’t be more than: $6,500 ($7,500 if you’re age 50 or older), or. If less, your taxable compensation for the year.

Cutting the budget to come up with an extra $28,000 is the hard part.

Republicans tell their base that they want to cut government, but always act otherwise. Controlling government purse strings is political power and economic power. There may be shell games played that transfers spending, but Republicans do not cut government, nor their power.

Moscow-lago?

If Trump is found guilty, and was sentenced for all of his crimes to be served consecutively, it adds to over five hundred years, according to Trump himself. That almost never happens, though. The maximum sentence of the three most severe crimes is twenty years/each. Any likely sentence could be a life term, given his age. IANAL though.

The Budapest Memorandums disprove your argument. Long before Russian invaded Crimea, much less Ukraine main, a peace plan with a promise to never invade was given by Russia. Russia lied.

https://web.archive.org/web/20140317182201/http:/www.cfr.org/arms-control-disarmament-and-nonproliferation/budapest-memorandums-security-assurances-1994/p32484

https://www.nytimes.com/2022/02/05/science/ukraine-nuclear-weapons.html