Kevin Slater

Welcome to the club, @KateNickolson!

Moderator’s note: let’s return to the topic at hand, which is what would cause a provider to leave the room.

Moderator’s note: let’s keep on topic, which is long-term care insurance.

Great time to throw some money into the market. Time in the market is more important than timing the market. From the Elements of Investing: We could run through dozens of other examples using actual stock market returns. One investor might start early but have the worst possible timing, investing at the peak of the stock market each year. Another investor starts later but is the world's luckiest investor, buying at the absolute bottom of the market every year. The first investor, even though she may have invested less money and had the worst possible timing, accumulates more money. Luck in picking the right time to invest is all well and good, but time is much more important than timing. There is always a good excuse to put off planning for retirement. Don't let it happen to you. Put time on your side. To get rich surely you have to do it wisely - which means slowly - and you will have to start now. Kevin Slater

Yup, currently. At times, I-bonds have paid above inflation. There's two components of an I-bond rate, the base rate plus the inflation rate. Just that currently the base rate is 0%. Kevin Slater

...whom you want in a push-up bra and fishnets? Kevin Slater

I posit you would have fewer competitors while demand remained. Kevin Slater

I suspect there's a connection there. Kevin Slater

If you're talking a professional photo shoot, those can go on for quite some time and it may be hard for the model to maintain his erection. Some guys use cock rings to help. Others just find the ring hot in and of itself and like the look. But I don't think seeing a cock ring in a pic means that he's going to have a hard time having, um, a hard time. That said, a cock ring has the opposite of the desired effect with me. Kevin Slater

My take: the more condescending the argument, the stronger the signal to stay away. Think Enron. Kevin Slater

Which, in turn, just causes folk to comment on it again. Kevin Slater

Right, it's not the two minutes on the phone, it's the 45 minutes waiting for him to no show. Kevin Slater

Yes, index funds do better than money market funds over the long haul. And you probably don't want to be selling at these levels. Kevin Slater

To be fair, one could be just as snarky about the stock market today. Kevin Slater

I say give 'em to the folk on the street talking to themselves, so perhaps they won't look so crazy. Kevin Slater

Moderator's note: let's keep politics out of the personal finance forum.

I worked with him earlier this week. Agree with everything above. Kevin Slater

Yup. Used to be $10. Kevin Slater

I'm confused. Money market commonly refers to an interest-bearing account (similar to what you'd get at a savings bank), not funds invested in stocks. Is this account your referring to simply a deposit earning interest or is it invested in actual index funds? Kevin Slater

Can I do a search for everything a particular member posted in a particular forum? Kevin Slater

This thread may be of use to you. My quick points: One simple, easy to read book to cover the basics is The Elements of Investing. Pay off any credit card (or other high interest) debt before you worry about investing. Broad-based index funds (or ETFs) are your friend. As much as possible, avoid paying fees to have other folk manage your money. They usually underperform the market and overcharge for the privilege. Kevin Slater

Mr. Number is an app. Kevin Slater

Moderator's note: Gentlemen, rein it in or there will be multiple warnings issued. This thread is about a particular provider. Please stick to that subject.

Didn’t he do porn in the 80s? Kevin Slater

That’s what I thought. A quick google search tells me Ramsay Hunt has a somewhat worse prognosis. Kevin Slater