I laughed. Guess I worded that a bit ambiguously.

12/3/2021 4:53:13 PM

I knew I was going to get trolled with this topic but I just hoped to find something usable to my friend/client through personal testimony on it since it is ever changing. I’ve had some good answers and some strong trolling. But I think I have what I need but am still looking for anyone who wants to share their experience before next week.

12/3/2021 4:58:31 PM

Funny thing is I even tried to help today, I'm 95% sure sttexan is wrong. I think it's much easier to get unemployment if you're fired then if you quit.

The difference is if you're fired for cause (which fine maybe you don't think this is cause but just getting fired for cost cuts or other shit doesn't make you inellegible)


And I guess for who hurt me: being still semi trapped inside bc my partner is severely immuno compromised and way too many people in my state are like your nurse friend.

[Edited on December 3, 2021 at 5:07 PM. Reason : E]

12/3/2021 5:05:24 PM

quiksilver ITT

12/3/2021 5:06:34 PM

One thing we agree on. You definitely do not get unemployment if you quit. You have to be fired. But what constitutes cause? That was what I was searching regarding providing legally protected medical records.

[Edited on December 3, 2021 at 5:28 PM. Reason : .]

12/3/2021 5:23:28 PM

I was wrong in way i worded. Pretty sure denied unemployment if fired due to not following company policy?

12/3/2021 5:56:49 PM

Thread unfolded as predicted. Why are you trying to help this so-called friend pharmacist? She seems both ignorant and entitled. She needs help like Charlie Murphy helped Rick James.

12/3/2021 6:23:22 PM

I'd have more sympathy for her situation if she didn't work in the one industry where everyone really needs to be vaccinated.

12/3/2021 6:35:43 PM

I’ve known her for 20+ years and she is seeking financial help which is what I do. She is not hurting for money but hates career after 30+ years. I respect the right to choose what you put in your body. And I am not in position to tell her she is wrong as she does comprehensive CE on the topic. I know finance she knows her profession. But she asked me the unemployment question on a whim when talking about planning on possibly early retirement or flipping to a less stressful career which she can afford. Just looking for others experience during epidemic on this.

12/3/2021 6:56:04 PM

Quote :

" I respect the right to choose what you put in your body."

Why? Seems like society would be better off if we were forced to ingest the proper substances. No tobacco, less meat, more fish, etc

12/3/2021 6:59:17 PM

12/3/2021 7:03:12 PM

We all have choices. Not a debate I care to have with an RPh that gives hundreds of shots a day and knows more than I. I don’t read or listen to all the CE she does. Nor do I care to.it would be like me trying to debate a condor to her when I barely got her through the difference in calls and puts with sticky notes up everywhere.

She isn’t a stupid fuck just a different kind. She has been a manager and trainer at another chain. She has no interest in knowing my profession but I yanked her out of a financial disaster in 2009 and made her a millionaire+ and she is a good RPh just tired of the corporate drag on her life.

[Edited on December 3, 2021 at 7:12 PM. Reason : .]

12/3/2021 7:06:35 PM

You can respect her right and still try to convince her she is wrong and making a choice harmful to society. If she started abusing Oxy would you be as calm and helpful. Shes a pharmacist, surely she knows the affects of Oxy better than you and I. If she wondered if she would get unemployment for failing a drug test would you thoughtfully help her or try to figure out a way to help her get clean (both maybe?)?

Anf obviously there are numerous valid medical reasons to take Oxy, as their are to avoid vaccine. But I don't think you mentioned medical exemptions?

Quote :

"made her a millionaire+"

Do what now

[Edited on December 3, 2021 at 7:15 PM. Reason : E]

12/3/2021 7:13:48 PM

You are right two years if I knew she was abusing oxy I would try my hardest to get her to detox. I have seen people go down for it and hate it. There isn’t as much here for me to debate. Addiction and non vaxed isn’t exactly the same. Without help oxy death rate is likely higher from my observation than 1.8%.

12/3/2021 7:18:18 PM

She's not stupid. She only created a financial disaster for herself without your steady guidance. Sounds smart!

Dude, she's drinking propaganda from a fire hose somewhere. If you don't get vaccinated at this point, you're being stupid and reckless. Tired of molly-coddling these people. Your mistake was thinking anyone here might identify with or feel sympathy for a person like this. Maybe PM CaelNCSU.

12/3/2021 7:18:43 PM

You're right, she's not putting herself at that much risk just helping keep the collective societal risk high, no big deal.

12/3/2021 7:21:26 PM

Yea it’s not for bragging rights her step dad was managing her money and like us all lost it all in the crash. She was a hard saver and minamalist and got wiped out because he didn’t understand rebalance wasn’t the same as choosing different future allocations. I looked at her statement and was like “no fucking wonder!” Took control of account and she is now with 1.2-1.4 mm

Not to blow my own cock because anyone can be a hero in that atmosphere but the account hit 200k to 250k at the bottom

[Edited on December 3, 2021 at 7:26 PM. Reason : .]

12/3/2021 7:22:39 PM

She's doing so well why she so worried about unemployment? Why doesn't she just quit and move on?

12/3/2021 7:38:28 PM

The only people who "lost it all in the crash" were people who panic sold at the lows and didn't get back in soon enough. People continuing to earn and invest regularly over time did just fine without any hand-holding. You provide a beneficial service for some people, but my suggestion is that people who need that service are not that smart. Why are you explaining calls and puts to a person like this? The right thing for this person is a low-cost auto-rebalancing index fund set to an appropriate asset allocation for her risk tolerance. Oh, and a vaccine, of course.

12/3/2021 7:40:20 PM

She trusted her step father and ask me to look at it and I set her up just as you outlined. Not index funds but an easier to manage portfolio. Now she is going through a possible life change and looking at early retirement. If she is fired I would like to put unemployment into the plan or advise her it likely will not happen. Every little bit counts. She is not of retirement age. I don’t need to explain this but there are a lot of options she could go and a little boost from unemployment would help. She will be fine. Worse case scenario a 703b would hold her over.

And fww she hates pill addiction because she deals with it everyday on the phone.

[Edited on December 3, 2021 at 7:53 PM. Reason : Pills]

12/3/2021 7:51:49 PM

I deal with high net worth mostly so I can’t agree on an index fund only portfolio. But not do I shun it and often recommend it where proper. I do 401k enrollments regularly and tell them it’s best for the participants that sign up for appointments. It is a great strategy for those building wealth.

12/3/2021 8:00:53 PM

I would say the worst case is that she abuses the unemployment system and bilks taxpayers for benefits -- all because of her selfish refusal to follow common sense public health guidance during a 100-year pandemic that has killed millions of people and counting -- each one of whom someone somewhere loved and cared for. While I don't say I actively want people like this to get sick, I find it hard to generate sympathy when they eventually do, and hopefully their stupidity and selfishness doesn't get vulnerable people killed.

You don't feel any ethical qualms about potentially facilitating this plan? Not your job to question -- just execute?

12/3/2021 8:06:17 PM

Quote :

" I don’t read or listen to all the CE she does"

Maybe she should share that CE with the rest of us. Does she know something we won’t about the vax? Is she part of a cover up?

12/3/2021 8:10:24 PM

The math works the same regardless of net worth. Index funds and steady saving and investment are a good and proven choice for anyone at any level of worth. But it's so simple that there is a big disincentive for the financial services industry to make such recommendations, especially to rich people who expect superior returns (but rarely get them consistently over time). You don't want to put yourself out of a job. But there are enough financially clueless and aimless people out there that you should have good job security.

12/3/2021 8:11:41 PM

I have a slightly different view of unemployment payment. We pay into an insurance system that we have a right to file a claim against. My dad was a small business owner and we had this debate a few times. His take was that the employer pays the unemployment and mine was if you didn’t you might pay your employees more. It’s not an easy debate. But I have once for a short period used mine feeling as if it was insurance I paid. I stopped when I had a good lead on the hook and jumped back in the workforce. I don’t feel glad about taking but I agree it should not be abused.

12/3/2021 8:21:47 PM

^^ going to have to agree to disagree there. There are many less investment options in the index space: particularly alternatives. Liquid alts are a joke. PE doesn’t even really exist in anything in that world. If your family member comes into a lot of stock with low cb you would be better off writing calls to create income. Etc. there are a lot of variables not available. For a lot of people it is perfect but not for all.

Also, you have to take into account tax bracket. For a HNW person owning a SMA instead of a fund gives me the ability to take their losses at the end of the year yet swap positions to keep them in the game. An index fund does not do that for you.



[Edited on December 3, 2021 at 8:33 PM. Reason : .]

12/3/2021 8:28:23 PM

She's perfectly capable and able to work and may choose not to by willfully leaving a job, seems like an abuse of the system to me if she gets unemployment.

12/3/2021 8:44:41 PM

Quote :

" We all have choices"

Honestly we shouldn’t. But thats another discussion.

12/3/2021 8:51:26 PM

I hear ya. It’s not my place to move her morals. As a fiduciary it is my job to listen and answer her questions and giver her probabilities of success regarding financial success. It was a question posed. It’s one I’m fielding. It’s really that simple. I’m not given a securities license after a lot of study to deal with government policy on healthcare. SEC and FINFA yea but when it comes to employment rights I don’t have a ce to tell me the answer to my question.

12/3/2021 8:56:26 PM

I hear that too. Good luck to your friend. I honestly wish we could forcibly inject your friend with the vaccine. Luckily this is America

12/3/2021 9:16:26 PM

Quote :

"His take was that the employer pays the unemployment and mine was if you didn’t you might pay your employees more."

LOLOLOLOLOL

12/3/2021 10:02:47 PM

We all have our opinions and after 18 years together in my business I’ve learned it is best to leave them at the door. Even the f I agree it’s b st not to even nod in any other way that says ok let me write that down.

12/3/2021 10:07:07 PM

^^ tell me why it’s funny my dad built a business from the time I was born with a high school education and just retired on 70 acres of land with a pond after we grew up dirt poor. You have no place to break his Parkinson’s bones based off my statements. Do not go there.

[Edited on December 3, 2021 at 10:14 PM. Reason : .]

[Edited on December 3, 2021 at 10:15 PM. Reason : .]

12/3/2021 10:12:11 PM

Talk shit about me all you want. I worked through HS two jobs and full time through colleg.e for benefits even though my father asked me not to work in college and graduated in 4’years. Followed by a successful career. You say shit about me do it but you talk shit about my pop you talk shit and get hit. So careful how you answer.

[Edited on December 3, 2021 at 10:32 PM. Reason : .]

12/3/2021 10:28:27 PM

[Edited on December 3, 2021 at 10:30 PM. Reason : .]

12/3/2021 10:29:33 PM

Not talking shit about your dad, more your opinion that business owners would increase employee wages if they paid less into unemployment. I find that laughable at best.

12/3/2021 10:32:54 PM

FIGHTTTTTT!!!

12/3/2021 11:17:28 PM

i'm just here waiting for this dude to admit this is his girlfriend/wife

12/3/2021 11:24:23 PM

There are more subtle ways to troll. Its not like ppl have to get the vaccine.

12/4/2021 1:37:29 AM

So let me get this straight - this broad has $1.2mm. Hates her corporate ass job. Cant collect that sweet unemployment if she just straight up quits. But errr if she refuses what is a historically effective and safe vaccine she can potentially get fired and collect

Yeah fuck your stupid friend.

12/4/2021 10:29:26 PM

^^^Would be kind of old for that. Of course, this board is also getting old.

12/4/2021 10:53:23 PM

Is this dude seriously bragging about making money since 2009

I'd stick with those index funds. Probably could have been more without whatever fees or high expense ratios you stuck her with.

12/7/2021 1:40:33 AM

I already addressed that and said it was a good strategy for some and actually advise on it when people come to me with low value accounts. There are just a lot other opportunities for risk prevention and planning that aren’t available to oddlotters when your money grows up. I work with everyone from 401k investors just starting to invest and 50mm clients that want tax efficient options. One index funds are good for one a separately managed account is better for another but the minimum to do the latter is higher.

[Edited on December 7, 2021 at 3:23 PM. Reason : .]

12/7/2021 3:21:34 PM

Fuck your stupid friend

12/12/2021 6:23:37 PM

Good for you for bumping a 5 day old dead thread. I wouldn’t have responded if it wasn’t already at the top. I got all the real answers I needed.

12/13/2021 11:12:01 AM

Quote :

"There is no debate, she's not smart Do you know what they call the lowest GPA of a graduating class in med school...? Dr."

To be fair, a pharmacist isn't really a doctor.

12/21/2021 9:10:47 AM

Then why is there a RphD. It’s called pharmacy doctorate. Sooo not they aren’t an MD but most not all have a doctorate in pharmacy.

[Edited on December 21, 2021 at 1:13 PM. Reason : .]

12/21/2021 1:01:44 PM

That's not what anyone means when they say Dr in that context though

12/21/2021 4:28:44 PM

You are right. Most people think MD. But there Drs in most professions. And I think I was not unclear on her profession from the jump so not sure where the confusion was. Most pharmacists go through a six year pharmacy degree program now. So by all qualifications she is called a doctor of pharmacy.

12/21/2021 4:58:30 PM

12/21/2021 6:06:38 PM