mharmless

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mharmless
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  • Coronavirus / COVID-19

    There's also the question of how long any immunity lasts, how strong an immunity it is, and how much the severity of the infection impacts the level of antibodies and later resistance. What is highly likely is some immunity is imparted, but everything else about that immunity/resistance  is a relatively open question. These open questions are some of the reason the herd immunity crowd are potentially so dangerous. They are pushing to expose people to a potentially deadly infection for what could be little benefit, and it could even mean the virus is more likely to mutate as it moves from person to person. Vaccine based herd immunity does not include the same potential for mutation risk since it is not a live virus that is used.

    If we get any mutations to the coronavirus it opens up a whole other can of worms. We develop immunity to the colds we get, but the viruses that cause a cold change so much the immunity/resistance we gain from one is almost useless to future infections.  Immunity is sadly not a simple binary of immune/not immune.
    awookieeNoelFlukesCoryDee
  • Protests Across the America

    Dee said:
    Bloody hell. Not entirely surprising, but still horrifying. How on earth does a buffoon like that hold such a sway over so many people that they would be willing to act like deranged lunatics and potentially be killed (or kill others) for him? 

    Because its not just Trump.  This is what the GOP has been building toward for decades now, between talk radio and conservative TV, they've actively cultivated a following of people who are looking to be told that they're victims and need to "strike back."  Trump just activated the base that the GOP has been building for years, and even without Trump, the USA is going to be dealing with these people for generations.

    I'm just continually amazed that someone as transparently a buffoon and a con man managed to do it, but not that this has happened.
    NoelDeeCretanBullGiovanni
  • Coronavirus / COVID-19

    Dee said:


    “Fact is, I’m not an ‘expert.’ I’m not a doctor, epidemiologist, virologist or scientist,” Lamb wrote on a website for a subscribers-only podcast he hosts about the  coronavirus. “I also don’t need to be. Experts don’t have all the  answers, and we’ve learned that the hard way.”

    Honestly, why do we even bother having experts in anything anymore when there are so many bloggers around. 



    I know Dunning-Krueger gets thrown around a lot these days... but wow is it ever relevant to the way people are treating something as serious as a worldwide pandemic!  The lack of self-awareness so many of these people display is mind-boggling.
    MarciDeeGiovanni
  • Bald Move Stonks Thread?

    MrX said:
    Glad you started this. Like most people, I've gotten super into this mess with $GME and r/wallstreetbets. I've even bought a few shares of $GME and $AMC of my own. I've been using Robinhood and Fidelity. After this craziness has calmed down, I plan to move everything over to Fidelity because what Robinhood did last week was inexcusable. I do want to get more into trading and investing. My main concern is something to invest in for my son's college (he'll be 5 in the summer). What is the best investment for that? IRA, Mutual fund, etc? I'm in my early 30s and just now at a point where I can start doing this so I want to learn as much as I can. This mess with WSB and $GME has been a hell of a lot of fun to see unfold, though!
    Do you guys have education savings grants in America?  Here you can open an education savings account and you can put up to (something like) $5000 a year of tax-deductible income into the account and the government will match a percentage of your contribution.  If the money ends up not being used for education, your own contribution reverts to taxable income and you have to pay back the government contribution portion.
    MrX said:
    Glad you started this. Like most people, I've gotten super into this mess with $GME and r/wallstreetbets. I've even bought a few shares of $GME and $AMC of my own. I've been using Robinhood and Fidelity. After this craziness has calmed down, I plan to move everything over to Fidelity because what Robinhood did last week was inexcusable. I do want to get more into trading and investing. My main concern is something to invest in for my son's college (he'll be 5 in the summer). What is the best investment for that? IRA, Mutual fund, etc? I'm in my early 30s and just now at a point where I can start doing this so I want to learn as much as I can. This mess with WSB and $GME has been a hell of a lot of fun to see unfold, though!
    Do you guys have education savings grants in America?  Here you can open an education savings account and you can put up to (something like) $5000 a year of tax-deductible income into the account and the government will match a percentage of your contribution.  If the money ends up not being used for education, your own contribution reverts to taxable income and you have to pay back the government contribution portion.

    In the US we have 529 plans that are similar. The specifics very by state (in Colorado the contributions are tax deductible for state - not federal - income) and the actual options also depend on the state you live in, so if you Google "[your state] + 529 plan" you'll get an idea of the options. We have access to a 529 plan with Vanguard funds so low few index funds - which I started out all in an growth stock fund and gradually am balancing to more stable as my son gets older.
    Unfortunately, as best I can tell, the 529 plans we have in South Carolina where I live aren’t great. But admittedly I’m a novice in this area other than some random stock trading. Never really done anything serious. 

    I'd say it's probably still worth it if they offer some sort of target date fund or something like that. The earnings aren't taxed when used for education expenses so that's a huge benefit, especially if the fund more or less follows the market and you're investing for 10+ years.
    Cool. I'll look at it more closely again. Thanks for the advice!

    As far as I'm aware, you don't have to use the fund for the state you are in.  There may be state tax benefits you miss out on (again varies on the state you are in) but the money itself can be invested elsewhere. 

    Someone like Vanguard would be a great place to look at too.  They're a big player in investing, but with the benefit that it is a co-op (the people who invest there own the company). https://investor.vanguard.com/529-plan/

    I don't work for them, but I've had my non-401k investments with them for decades now and no complaints.

    calebthrowerGiovanni
  • Gina Carano / Disney Star Wars

    What I find most interesting - Pedro took the time to educate her and not only did she shift her thinking but apologized. I think that is the lesson. Because it’s obvious when you pile hate on hate the outcome is digging in deeper, learning nothing, and changing nothing. 

    Yeah, on the trans issue she showed healthy progress that should be encouraged, I agree.  How to square that with her doubling down on Holocaust comments remains tough.
    asmallcat