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Anonymous asked:
Hi, Bitches, long term reader first time asker. I am in a very lucky position to have money to use on my future. I wanted to think about retirement and my bank is trying to push me to invest, make an IRA, or do an annuity, but I'm very risk-adverse. What should I do? I'm 30 and want to be good to retire when I'm 60 or 65 if I so choose.
I have a 401k with work (not matched sadly) and put 10% into that. I also have a CD going and a money market, but this is to keep up with inflation. I have big purchases coming (tuition, new car, etc.) So I am hesitant about any big moves but wanna think long term.
Yours truly, Stressed Grad Student
Hello my sweet! You’re wise to be hesitant to dive into anything your bank is urging you to do. Getting some outside advice from a neutral party is always smart.
So here’s said advice from your favorite neutral party:
Put what you’ll need for tuition and the new car in a CD or HYSA, depending on when you need to access it. It’ll be safe there until you’re ready to use it and you won’t be tempted to spend it.
If there’s anything else left over, start an IRA (individual retirement account). While it’s great you have a 401(k) through your employer, it’s always good to have more than one retirement investing vehicle. An IRA has slightly different tax rules from a 401(k), and it can be kind of a “home base” for your money if you ever need to roll over an old 401(k). Yes, it’s invested in the stock market and will therefore fluctuate with economic cycles. But you’re far enough from retirement that that’s a perfectly reasonable risk to take.
Here’s more info on all these kinds of accounts, peaches:
From HYSAs to CDs, Here’s How to Level Up Your Financial Savings
Procrastinating on Opening a Retirement Account? Here’s 3 Ways That’ll Fuck You Over.
Dafuq Is a Retirement Plan and Why Do You Need One?
MASTERPOST: Everything You Need to Know about Retirement and How to Retire
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Anonymous asked:
Per the US Food Safety Service, refreezing previously thawed items is totally fine as long as the thawed food has been kept at the appropriate safe handling temperatures. Obviously might affect the quality and texture of the food (repeat freezing breaks down cell walls), but you won’t automatically get food poisoning.
Source: fsis.usda. gov/food-safety/safe-food-handling-and-preparation/food-safety-basics/freezing-and-food-safety
Thanks for this clarification!
I think in general, if you can defrost something over time in the refrigerator, it’s safer than leaving it out in the sink all day. Just be careful, my lovelies!
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Anonymous asked:
Hey bitches! I went through your website and had trouble with the search: do you have anything on how to buy car insurance? Like, how to figure out whether a company is good or not and how to determine which plan you need? Thanks!
We do not! We have info on insurance more generally and how to buy a car, but nothing specifically on car insurance. That said, we prefer Geico and USAA (if you’re eligible for it), and they’re not paying us to say so.
Dafuq Is Insurance and Why Do You Even Need It?
Buying a Car with the Bitches, Part 1: How to Choose Your Car
Buying a Car with the Bitches, Part 2: How to Pay for Your Car
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fandomjumper247 asked:
hi bgr!!! a friend of mine and i are moving into an apartment for next school year, and other than the list on the move-in guide we were sent, we do not know what stuff we need to buy. could you give us any tips?
Absolutely, babycakes! And congrats on going to school and moving in with your pal.
We’ve written a lot on living independently for the first time, which I’ll link below. But also, here are some basic communal things you should buy when you first move in:
Those are the basics, and you can add more as you see fit. Good luck! Here’s more info:
MASTERPOST: Everything You Need To Know About Living Independently for the First Time
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they told me not to get lost in the weeds, but these are lush, beautiful, and ecologically necessary native plants so it's probably fine
CEOs aren’t so popular right now. To prove this, I can give you statistics on how much the American public hates them—they really, really do—or I can just ask you to remember the moment when UnitedHealthcare CEO Brian Thompson was killed.
I don’t blame people one bit for loathing CEOs. I think their rage is pretty logical. When my parents were born, a CEO earned about 20 times more than their workers. They now pay themselves 630 times more. CEOs have been talking out of both sides of their mouths, bragging about record-breaking quarters while wringing their hands when employees beg for really basic shit like a full headcount. They’re yanking back work-from-home opportunities, which they hypocritically still grant to themselves. They’ve gone all-in on AI designed to make their own workforce obsolete. They’ve kissed the ring of fascists… with tongue. And many work harder to cultivate a mythologized public image than to actually do good, and they get all pissy when people notice they’re full of shit.
In a time when most people live one medical crisis away from bankruptcy, CEOs live rarified lives that the rest of us can only dream about. Money is so cheap to them they can afford to rent whole cities for their weddings, build mega-mansions on private islands, work remotely from their private yachts, seek immortality with any ethically dubious medical treatment they like, and brush off the kinds of tax and legal troubles that would ruin anyone else.
…So, yeah, not a lot to love there!
All of this stirs up a question in my mind: does it have to be this way?
Do all CEOs have to be bloodsucking assholes? Are anger and hatred inevitable trade-offs for wealth and power? Or is it possible for one enterprising person to start a great American business and get rich without exploiting their customers and/or workers along the way?
Anonymous asked:
Hi lovely bitches, sorry for this but I feel it would be somewhat cathartic to rant here, please feel free to ignore.
A year ago, I graduated with a PhD in astrophysics. I was lucky enough to pursue it in the UK (relevant bc I’m from the US, never learned to drive, and it’s the first place I’ve lived with actual public transit 🙌). It’s also how I met my current partner (something something star-crossed lovers but without the dying). Since my visa ended, I had to move back in with my parents (bc no money). And for the last year, I have been fighting to get a job, any job. I thought I would move away from the all consuming life that is academia, but it turns out I’m both under and overqualified for industry jobs, and I have not had any luck. Hundreds of applications, a handful of first round interviews, one final stage interview, and no offers. I’m so exhausted, and I’ve lost motivation for doing basically anything. Everyday is the same and I’m paralyzed with anxiety and dread. It feels like everything I’ve ever learned has leaked out of my brain and instead I’m filled with grief for the life I used to have, guilt for not having prepared more, and knowing the longer I go unemployed the more unemployable I become. I’m just at a loss for what to do, I don’t even know what I want anymore.
Oh honey! You are ALWAYS welcome to come to us with a cathartic rant. We welcome it. So pull up a chair and have a cookie and the comfort beverage of your choice.
We just published a piece on how none of this is your fault, and you’re not alone. We’re enduring a uniquely bad job market here in the U.S. right now. I’ll link to that below.
But more importantly… you’re dealing with a horrible personal crisis right now. And because we love you, we strongly encourage you to seek out a therapist or a support group of some kind. This isn’t something you should be going through alone. We want to know you’re getting care and support from someone besides your humble Bitches.
Keep your chin up, sweet pea. We’re rooting for you.
Why Is It So Hard To Get a Job Right Now?
How to Manage Your Burnout When the World Is on Fire (Bonus Episode)
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