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Content Count
6,726 -
Joined
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Last visited
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Days Won
76
Guitarguy last won the day on May 20 2018
Guitarguy had the most liked content!
Community Reputation
642 EminentAbout Guitarguy

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Rank
Oxford Comma,
- Birthday August 29
Contact Methods
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Website URL
http://runescape.salmoneus.net/forums/index.php?showuser=59235
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Jabber
the hell is a Jabber?
Profile Information
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Gender
Male
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Location
Philadelphia, Pennsylvania, USA, North America, Earth, Milkyway, Universe
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Interests
I'm a fudgeing brony happy face
DAMMIT LILSHU I'M GOING TO TELL SAL ON YOU
About My Character
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RuneScape Name
Guitarguy377
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Additional RuneScape Name
Inferus
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RuneScape Status
Inactive
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RuneScape Version
RuneScape
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RuneScape God
Brassica Prime
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Favourite Skill
Fletching
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Combat Type
Balanced
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Combat Level
81
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Overall Skill Level
1337
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RuneScape Clan
Sals LOL
Recent Profile Visitors
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Does reversing abortion laws give all non-white Americans a better socio-economic demographic position?
Guitarguy replied to Gnostic Christian Bishop's topic in The Debate Room
It should be noted that "reversing abortion laws" doesn't necessarily correspond to fewer abortions. If anything, the opposite may be the case. -
i didn't leave for several years punk
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Have homophobia and misogyny been defeated?
Guitarguy replied to Gnostic Christian Bishop's topic in The Debate Room
too many women these days are forgetting their place -
don't worry, boss, i'm on it
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yes
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Perhaps it should be noted that every food here in America is a step up in sweetness. Our dark chocolate is probably your milk chocolate.
- 9 replies
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- guitarguy
- white chocolate
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please consult poll
- 9 replies
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- guitarguy
- white chocolate
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boooooo
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Rate The Avatar/signature/banner Of The Person Above You
Guitarguy replied to Demora's topic in Fun 'n' Games
Perfectly sized 10/10 -
Guitarguy changed their profile photo
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Obviously that's gonna be an april fool's joke idiots
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I haven't even seen anyone offering to trim my armor recently. RuneScape has truly gone down the shizzleter.
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o/
- 5 replies
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- runescape
- retirement post
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None! Even the pulpiest orange juice is nearly 0% fiber, which is the main component of actual oranges that makes them healthy. Orange juice being a "healthy" drink is pure marketing. Here's a nice video on the topic:
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It depends on one's circumstances, but there are still some universal truths when it comes to good investing. A notable one: You shouldn't invest in individual stocks/bonds. Why? Because if you choose to put your money into individual stocks instead of a well-established index fund, you're essentially betting that you know how to choose stocks better than the world's largest investment firms, which are armed with professionals whose entire lives revolve around making optimal investments. One investment expert (John Bogle, I think?) analogizes it to playing a game of tennis against an unknown opponent who's probably a professional tennis player, and betting that you'll win. And it's possible that you'll win, but it's a poor bet. Now, there are numerous mutual/index funds out there that will skim as much money as possible from your savings in the form of fees and non-fiduciary investment choices. These are scams. Unfortunately, they're everywhere, from television ads to even some 401(k) plans. But fortunately, it's easy to ignore them in favor of a good index fund. There are just a couple of very basic metrics that tell you whether a fund will be favorable to you. If you're given a list of options under your 401(k) plan, for example, you should—under U.S. law—be given a statement comparing them, and you need only look through the statement to find the plan with the lowest expense ratio and highest rate of return. In the U.S., there's a decent chance it will be a Vanguard plan, if offered. The only caveat I can think of to simply choosing an index fund with the lowest expense ratio and highest rate of return is that it will probably be a fund that's largely made up of stocks, which are considered risky. But if you're a 20-something who's decades away from retirement, this is fine. Even if the stock market were to crash tomorrow, it's certainly going to recover within a couple decades, and thus will be more lucrative than bonds during this time. I would even argue it's worthwhile for a young person to invest in a fund that's 100% stocks. Of course, not everyone is able to invest in these funds in general, because they may not have enough money leftover after paying for basic living expenses. In this case, property is often the only viable investment, because the monthly cost of rent may roughly equal the monthly cost of a 30-year mortgage. Indeed, this is the only way many people are able to accrue wealth in their lives.