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[2019-3-04. : 11:56 pm] Suicidal Insanity -- http://photos.arlinghaus.org/Animals/AWZMS/temp/IsantyaCubs/2019.02.28-ESK_3019-Orig-%7B3F2F349D-9C7F-439A-8B2C-43B81E58F86C%7D.png[2019-3-04. : 10:32 pm]  Moose -- See what happens when you take advice on investing from randoms on SEN?? What a disaster.[2019-3-04. : 10:14 pm]  Roy -- Disregard everything I have said now that it's been brought to light that the first link that came back for me on mobile was to a recently closed fund.[2019-3-04. : 9:07 pm] Moose -- It's a pretty recent (in the grand scheme of things) discontinuation of a higher expense share class, VFIAX would be current. You used to need 10K minimum to get the lower expense share class, but that one has moved to that as the only share class at the same minimum as the old one.[2019-3-04. : 8:58 pm]  dumbducky -- Especially don't listen to Roy since he's recommending discontinued funds[2019-3-04. : 4:43 pm] Roy -- Or, you know, talk to someone better qualified about your investment options. I'm not claiming to be an expert.[2019-3-04. : 4:41 pm] Roy -- I personally just use Betterment, which doesn't perform as well as the S&P 500 because it's diversified with international stocks (which in theory makes it lower risk). I use Vanguard for my IRA, but I'm putting those into a retirement fund.[2019-3-04. : 4:37 pm] Roy -- https://personal.vanguard.com/us/funds/snapshot?FundId=0040&from=TPV&FundIntExt=INT[2019-3-04. : 2:49 pm] Roy -- Long term, the only thing that matters is how early you started investing. If you want to gamble (which timing the market essentially is) rather than invest, go into penny stocks.[2019-3-04. : 2:47 pm] Roy -- And if you had invested continuously instead of in one lump sum, you'd be more ahead than waiting to time the market most of the time. Search around for any expert advice on timing the market: the benefit is often miniscule, and withholding investable funds often means if you don't have a crystal ball, you're leaving money on the table.[2019-3-04. : 11:17 am] NudeRaider -- RoyRoy shouted: NudeRaider Not that you should necessarily be taking random SEN members as experts on the stock market, but you should be investing. At the bare minimum, throw it all into an index fund, or use a robo-advisor with low fees. Even if you invested everything right before the worst stock market crash in history, over a 30-year timespan you'd have still made a profit, even after adjusting for inflation. so far none of those that replied were random, so I think I'm good. Thanks guys, btw.[2019-3-04. : 11:16 am] NudeRaider -- RoyRoy shouted: NudeRaider Not that you should necessarily be taking random SEN members as experts on the stock market, but you should be investing. At the bare minimum, throw it all into an index fund, or use a robo-advisor with low fees. Even if you invested everything right before the worst stock market crash in history, over a 30-year timespan you'd have still made a profit, even after adjusting for inflation. obviously. but if I invested RIGHT AFTER the crash I would only have to wait 1 year or so for profit. Human lives are finite, after all.[2019-3-04. : 2:29 am] Ultraviolet -- zsnakezzzsnakezz shouted: Undead Update: Defilers will stop destroying your army in level 4, and instead be reserved for level 5, and there will only be one high templar instead of 4 Did you ever fix the bugs I brought up in your thread?[2019-3-04. : 1:58 am] zsnakezz -- or the only competitive map, oh shit im now in drunken rampage wall of text status i need to get out of here[2019-3-04. : 1:55 am] zsnakezz -- I played it recently for the first time in like 7 months, and perhaps somethings are too challenging or vague[2019-3-04. : 1:53 am] zsnakezz -- I will also update the "how to play" to be more direct and less specific[2019-3-04. : 1:48 am] zsnakezz -- that high templar will probably be an easy fight once you catch him, so random enemies from the map will teleport to his location to fight you while you kill him[2019-3-04. : 1:47 am] zsnakezz -- Undead Update: Defilers will stop destroying your army in level 4, and instead be reserved for level 5, and there will only be one high templar instead of 4[2019-3-03. : 10:38 pm] Roy -- Demon, you realize the trigger I posted involves "creating the power-up somewhere else and then moving it to the boss's location", right?[2019-3-03. : 10:32 pm] Roy -- NudeRaiderNudeRaider shouted: would it be wise to invest in stocks / funds / etc. at the moment? I mean the market is on the rise for over a decade now but it is bound to get into recession eventually right? Or can you expect it to continue for now (until something drastic happens globally)? I'm asking to avoid investing during a "high"-phase and running into a crash right after and thus having to wait like 10 years just to break even again. Or is this the wrong approach altogether "Finding the right time to invest"? What about plans where you add to your depot every year? Not that you should necessarily be taking random SEN members as experts on the stock market, but you should be investing. At the bare minimum, throw it all into an index fund, or use a robo-advisor with low fees. Even if you invested everything right before the worst stock market crash in history, over a 30-year timespan you'd have still made a profit, even after adjusting for inflation.[2019-3-03. : 10:24 pm] Roy -- However, it's been pointed out that YouTube videos screw up the side panels on mobile, so I went ahead and edited all videos into collapse boxes to improve the mobile experience of the site as a temporary solution. We will conduct research posthaste to find a proper solution for making the videos mobile responsive with our site styling and get that thumbnail back into visibility as soon as we can. We apologize for the inconvenience.[2019-3-03. : 10:20 pm] Roy -- MTiger156MTiger156 shouted: Yo, admins. Can we eventually replace the top post on the Home Page? I'm tired of seeing that disgusting Hand Turkey for the past 4 months. Think of all the people that its scaring off LOL No, we're not going to replace the top post on the homepage, unless the replacement post also contains that video thumbnail in it.[2019-3-03. : 3:22 pm] Moose -- Yes, in the sense that it is statistically unlikely to time the market consistently. 10 years plus, I'd say buy and hold.[2019-3-03. : 3:06 pm] NudeRaider -- MooseMoose shouted: NudeRaider The best time to invest in the stock market was decades ago. The second best time is now. k. so trying to wait for the right time is futile and likely counterproductive? MooseMoose shouted: If you plan to have the money invested for a long time, being off plus or minus 10% today won't really matter in 20+ years. If you have short or medium term plans for this money, say within 5 years, I would advise against the stock market. 10+ years, I'd say. I'm eyeing for even longer, but I find it hard to make tangible plans for that.[2019-3-03. : 2:24 pm] Moose -- Note my advice is very high-level as I don't know what your goals, strategy, or financial situation are. Also don't know if they apply to non-US markets[2019-3-03. : 2:15 pm] Moose -- Also, yes, there will be a recession eventually, that is why you want to be in the market for a long time ... there is an average performance that want to capture which may or may not happen given a small sample size, in terms of time.[2019-3-03. : 1:55 pm] Moose -- If you plan to have the money invested for a long time, being off plus or minus 10% today won't really matter in 20+ years. If you have short or medium term plans for this money, say within 5 years, I would advise against the stock market.[2019-3-03. : 1:50 pm] Moose -- NudeRaiderNudeRaider shouted: would it be wise to invest in stocks / funds / etc. at the moment? I mean the market is on the rise for over a decade now but it is bound to get into recession eventually right? Or can you expect it to continue for now (until something drastic happens globally)? I'm asking to avoid investing during a "high"-phase and running into a crash right after and thus having to wait like 10 years just to break even again. Or is this the wrong approach altogether "Finding the right time to invest"? What about plans where you add to your depot every year? The best time to invest in the stock market was decades ago. The second best time is now.[2019-3-03. : 3:53 am] NudeRaider -- would it be wise to invest in stocks / funds / etc. at the moment? I mean the market is on the rise for over a decade now but it is bound to get into recession eventually right? Or can you expect it to continue for now (until something drastic happens globally)? I'm asking to avoid investing during a "high"-phase and running into a crash right after and thus having to wait like 10 years just to break even again. Or is this the wrong approach altogether "Finding the right time to invest"? What about plans where you add to your depot every year?[2019-3-03. : 1:10 am] jjf28 -- RoyRoy shouted: Everyone knows you programmed Roybot. and the AI has become so advanced it's now busting my chops  [2019-3-02. : 1:15 pm] MinuteMan -- Maybe a foolish question to ask, but are there any tutorials you guys think I should add to topic? Anything that gets asked a lot or whatever?[2019-3-02. : 12:43 pm] jjf28 -- " The version jj proposed will spread the units evenly between members of force 1. " oi, I'm not on that thread[2019-3-02. : 7:44 am] Kolokol -- Just want to let everyone know that my translation of Huncraft Genocide is done[2019-3-02. : 3:41 am] MinuteMan -- ya im new here; decided to help with EUD and stuff so I make account[2019-3-01. : 4:26 pm] MTiger156 -- Yo, admins. Can we eventually replace the top post on the Home Page? I'm tired of seeing that disgusting Hand Turkey for the past 4 months. Think of all the people that its scaring off LOL |
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