WTF So I just dick'd my butt

5℅ I was this close to painting my cab this week. Acme had been slacking big-time. Would have been a big headache, yellow has a more agressive active customer base and of course much higher membership dues.
Then I received two back to back premium jobs from dispatch.

It's like they KNOW when I'm just about to jump ship...
 
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There's two ways to go.

1) you can open a trading account with someone like Vanguard or Fidelity, and buy some index funds and forget about it
or
2) you can go to an investment bank like UBS open an account there, and get set up with a financial adviser.

I'm pretty sure @fly went the first way.
I went the second way.

There's plenty of articles advocating one way or the other, so believe what you want, and act accordingly.
IIRC, I'm 60/40 stocks and bonds. The 60 is split between domestic, international, and REIT indexes which I rebalance every March (or whenever my calendar reminds me). Statically speaking, (essentially) nobody beats the market over the long term (>20 years). I read a study not to long ago that you're literally better off picking twenty random stocks than investing in your average actively managed fund.

Assuming the fund @Jehannum mentioned has actually been around for 20 years and beaten the market, you'd find that the vast majority of funds around at the same time back in 1997 no longer exist. That called survivorship bias and it makes mutual funds look even worse than just their excessive expenses on paper.

If you can deal with mind numbing boring, The Four Pillars of Investing was a great read @kiwi.
 
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the continuing saga. . .

We finally paid the distributor via overnight check last night (to be delivered today) as everything was finalized. (distributor & mfr were both advised separately yesterday)

The manufacturer [my 'are we there yet' child] just emailed

child: The check hasn't shown up yet
me: Right, It’s going to the Vendor, [distributor name].
child: So [distributor name] gets paid and they pay us?
me: I believe that arrangement is between you and them.​

imma start drinking early today. Bourbon.
 
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I also have another customer, deal completed months ago, who for some unknown reason keeps updating me on the status of her quest to change insurance companies. Initially, I told her after she's got a new ins co forward 'this' [info on who gets paid if there's a claim] so that the ins co knows we own the equipment & we get paid. . .

Every few days for the past couple mos I get an email from her about how hectic her life is, exactly what she's doing, the list of insurance co's she's calling, and status updates of all of it too.

todays email, came in at 12:15am PST.

I just got home from my procedure. First thing in the morning , I will print that attachment and do that monthly to get it going. Then I will research those other companies.

I'll have another bourbon please.
 
I also have another customer, deal completed months ago, who for some unknown reason keeps updating me on the status of her quest to change insurance companies. Initially, I told her after she's got a new ins co forward 'this' [info on who gets paid if there's a claim] so that the ins co knows we own the equipment & we get paid. . .

Every few days for the past couple mos I get an email from her about how hectic her life is, exactly what she's doing, the list of insurance co's she's calling, and status updates of all of it too.

todays email, came in at 12:15am PST.

I just got home from my procedure. First thing in the morning , I will print that attachment and do that monthly to get it going. Then I will research those other companies.

I'll have another bourbon please.
She wants the big salami
 
:lol:

Postpartum [this is soooooo, blame shifting after the election type of crap]

so the mfr 'owner' [80ish yrs old, still reasonably aware, but the daughter that works there tells me if he doesn't get his meds hes a mess and that he's the reason she drinks.] just called to tell me I cost him $1200 per unit.
[fwiw, I had a feeling I was going to get a call from this senile dude]
So I cut him off & told him I didn't cost anyone anything. We got a quote, and invoice, and then paid it. {from/to his distributor. He knows this.}
So he repeats, louder, that I 'cost someone $1200/unit'
So. . . . .




:lol: I said exactly:


louder also














"DARLING, We received a quote, and an invoice, and paid your distributor. Nothing has changed on my end, and, eventhough this was your distributors deal, like all of your deals we overcommunicate to you so you know exactly what's going on! If you want your distributor treated like an outside sales rep, YOU need to give me the quote and invoice to get paid!"

:fly:

So he tells me he's not honoring the price to the distributor. . .
Me: OK. But that's not my department. YOU have to tell that to THEM. I'm not a part of the arrangement you have with them.


Then I got 20 minutes on how 'this was custom stuff' the promotional period can't be ignored.

maybe he just needed to change his depends.

I'm pouring bourbon #3. Anyone else? It's 20 to 5 in Bermuda.
 
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