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PortaJohn

Dude's guilty.. just a process violation.

"Specifically, we address whether a dismissal of a case by nolle prosequi allows the State to bring a second prosecution when the dismissal was entered as part of an agreement with the defendant and the defendant has performed his part of the bargain. We hold that a second prosecution under these circumstances is a due process violation, and we therefore reverse defendant’s conviction."
i hope they charge him with mail fraud.
 
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recess appointment..... that''ll give 2 years for Trump to find another AG
Perhaps...maybe this is just to see the reaction; and then stick him in anyway. Stupid thing is, we potentially lose a seat in the house and for waht now...yes, yes...I know...deep red...but never say never. The commies will show up to the polls because their heads are 'splodin.
 
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** A quick reminder - esp with Gaetz / Smollet / ICBMS and silly mayors - most of this is for show. We really won't know what's what for at least 3 months.
 
Not necessarily. The realized rate of return depends on several factors:
1. The length of time it has been put into a 401K vs the real inflation rate. The longer, the lower the real return. This is especially true in the 2000s.
2. What the 401K is invested in. Whatever it is invested in will determine the actual return, which then still gets eaten away by inflation.
3. Investment losses, which do happen.
4. Any premature withdrawals, which usually have to be paid back with interest.
5. Taxes. Traditional 401K's are taxed as regular income at retirement while only the employer contribution is taxed in a Roth 401K since you contribution is post-taxation.
6. The actual matching by the employer. This can be variable, based on the company, and is optional.
7. Maximum yearly contribution ceilings.

401K's are not a panacea and it must be remembered that this money is effectively tied up until retirement within the financial sector of the economy. Taxes, inflation and risk eat away at the return and most people never consider these aspects, never realizing that the rate of return they think they are getting is higher than what they actually receive.
The point is people say "I will make my own investments for retirements", but they do not - not a question of return. Like them or hate them - IRA/401k participation is proof that average Americans choose to not make retirement savings a priority.
 
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** A quick reminder - esp with Gaetz / Smollet / ICBMS and silly mayors - most of this is for show. We really won't know what's what for at least 3 months.
Federal aid to Denver stops in 3... 2... 1...
 
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Looks like the Trump Vance train will continue in 2028./k just because people don't want Whitmer, Newsome, or Pritzker doesn't mean they might not fall prey to a Joshua Shapiro or other candidate..
We shall see. If the economy gets better, Vance will win against anyone. If it get worse well you know what happens then.
 
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** A quick reminder - esp with Gaetz / Smollet / ICBMS and silly mayors - most of this is for show. We really won't know what's what for at least 3 months.
Asshole. I hope his family suffers a tragedy from an illegal. Shitty to say but Fuck Him, he doesn't give a shit about his citizens so Fuck Him. And I hope he lives until he is 100 regretting every minute.
 
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** A quick reminder - esp with Gaetz / Smollet / ICBMS and silly mayors - most of this is for show. We really won't know what's what for at least 3 months.
Imprison his ass in the same dungeon as the Jan 6 detainees, at least four years.
 
You are not listening. The immediate return is there, but time fucks it all up. Even money markets are not insulated - they lose money over time as they are almost always lower than the inflation rate. Safe, yes, but that safety comes at a lower yield which gets eaten away by inflation over time and taxes. Money market funds forego risk and create guaranteed savings erosion over time. Inflation erodes all fiat money over time, that's how this entire world economy works. That's how debt is paid off with cheaper dollars. But if you invest in stocks in your 401K you are still taking the risk inherent in the stock market. 401Ks in no way guarantee a preservation of capital, that's your job by way of making correct investment decisions.

What I said is not complicated. But most people don't know about it and therefore do not consider the implications. Go ask your CFP and they will tell you that these conditions exist. Your 401K is part of the system, not a workaround.
You are completely missing the point and to be honest, with respect to what I said, you are completely wrong. Here is the scenario I am referring to as easy money:

Person A works for a company that matches 100% for the first 3% the employee contributes, and then matches 50% for the next 2%. If the employee puts 5% of his pre-tax dollars into his/her 401K the company then puts in 4% for a total of 9% of the persons salary. That is around an 80% ROI for the employee. NO inflation rate in the US would erode that rate of return to a point where it would be untenable. If that money was then dumped into a MM account, while the return is lower than inflation, it would reduce the impact of inflation even further. The company match in the 401K far exceeds ANY historic return from the stock market AND that was my sole point. Everything else you added was irrelevant to my point.

Don't lecture on me on how investments work, I have a good understanding of the process.
 
Back in the day - there were opportunities to earn pensions to support retirement. Then IRA/401K, etc. were developed to allow average citizens to invest for their retirement - take control of their own futures.

What percent of Americans make good use of the IRA/401k/etc. system to save for their futures?

We are finding out now as my Boomer generation with pensions ends and the IRA/401k/etc. generation begins to retire.
It is a pretty sad percentage

Retirement Savings By Age
 
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