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Random fashion thoughts - Page 5534

post #82996 of 98372
that lanvin bomber shoulder situation is pretty gross. kinda reminds me of the old farinellis half-raglan peacoat.

bojangles is tasty but way too greasy and inevitably leads to abdominal pangs of regret half an hour later. popeyes reigns supreme.
post #82997 of 98372
Quote:
Originally Posted by thewho13 View Post

So at the moment I'm beginning to develop an interest about ways to invest money, both long term and short term. For the former, I plan to open up a Roth IRA (or another IRA maybe?) sometime this month. Most people I've asked about retirement stuff have suggested IRAs. But for short term investments, I'm not sure what to do. I'm told that purchasing a CD would only make sense in a world where inflation weren't like 4% a year (or so I'm told), so it seems that's not a particularly worthwhile option. What would you guys recommend to a complete financial noobie who is looking to put aside money each month for the next 12-14 months in the hopes of seeing that turn into something *better* two or three years later?

 

You need to get a book, but the short answer is that investing with a horizon shorter than about 5 years is not a good idea.  If you put it in a total stock index and then the market takes a 50% dive, you have no time to recover your money.  

 

Max out the roth if you can and try to shoot for low-cost index funds instead of whatever mutual fund they'll try to put you in.  At your age, avoid bonds entirely. reddit.com/r/personalfinance is a good starting spot, but just be aware that most people there are way too conservative for where you should be at (lot of people living with their parents with a year's worth of emergency fund, etc).

post #82998 of 98372
Quote:
Originally Posted by thewho13 View Post

So at the moment I'm beginning to develop an interest about ways to invest money, both long term and short term. For the former, I plan to open up a Roth IRA (or another IRA maybe?) sometime this month. Most people I've asked about retirement stuff have suggested IRAs. But for short term investments, I'm not sure what to do. I'm told that purchasing a CD would only make sense in a world where inflation weren't like 4% a year (or so I'm told), so it seems that's not a particularly worthwhile option. What would you guys recommend to a complete financial noobie who is looking to put aside money each month for the next 12-14 months in the hopes of seeing that turn into something *better* two or three years later?

Quote:
Originally Posted by KingJulien View Post

You need to get a book, but the short answer is that investing with a horizon shorter than about 5 years is not a good idea.  If you put it in a total stock index and then the market takes a 50% dive, you have no time to recover your money.  

Max out the roth if you can and try to shoot for low-cost index funds instead of whatever mutual fund they'll try to put you in.  At your age, avoid bonds entirely. reddit.com/r/personalfinance is a good starting spot, but just be aware that most people there are way too conservative for where you should be at (lot of people living with their parents with a year's worth of emergency fund, etc).

if your time horizon for investment is ~36 months, your options are limited for virtually guaranteed good return. as KJ alluded to, lots of crazy stuff can happen over the course of 36 months that completely bork your portfolio. otherwise, most of what he highlighted is good advice (never been on reddit finance to comment though).

if 3 years is something of a hard cut-off for you, a 3y CD might work best for you (haven't checked rates on CDs recently, but you typically get a higher yield for locking in your money for a period of time). zero coupon bonds might be another good option.

the answer is something different if you don't expect to actively need the money after 3 years.

that said, simply putting the money aside might be the most important part of this, independent of the investment you ultimately go with. the power of compound interest makes amateurs look PED-enhanced in the long run.
post #82999 of 98372
Nobody suggested the drug trade? For shame.
post #83000 of 98372
I would go with property investment
post #83001 of 98372
i wouldn't
post #83002 of 98372
It really depends on where you live, around here it would be a very sound investment especially sub 70sqm.
post #83003 of 98372
i wish the forum would have something like you have to be a member 1 month and 100 posts before you could start a new thread. would stop all that garbage id some piece of clothing on some person threads. with the said thread starter never returning or posting again ever.

maybe just maybe they might post it in ask a question thread then.
post #83004 of 98372
Quote:
Originally Posted by crosswound View Post

i wish the forum would have something like you have to be a member 1 month and 100 posts before you could start a new thread. would stop all that garbage id some piece of clothing on some person threads. with the said thread starter never returning or posting again ever.

maybe just maybe they might post it in ask a question thread then.

It's actually Ryan Gosling posting under different accounts. He wants to know the degree to which his creepy stalkers have studied his wardrobe. So far I think he's pretty safe.
post #83005 of 98372
yea i'm always under the impression it was that bcd. it is most likely mr gosling himself i think he's gone bi polar. he never wanted all the ladies after him. he wants the men who are into style after him.

would explain why he wears his pants too tight for his build. nod[1].gif
post #83006 of 98372
Oh god, the Margiela face mask is catching on crazy.gif
post #83007 of 98372
what a coincidence that all 3 of your posts are links to the same brand

your clothes suck and you suck, fuck off
post #83008 of 98372

can A$AP Rocky and Kanye stop pls this is getting to be worse than #menswear

post #83009 of 98372
How many brands can carry the exact same shit?
post #83010 of 98372
Quote:
Originally Posted by RZAir View Post

I think http://www.vmulondon.com new collection is pretty cool

 

No offense... but this is terrible. 

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