The answer to your first question is no. They could be the only person in that facility at all hours that they are on site and it's not illegal.

The answer to your second question depends on if they are hourly or salary. If salary, it depends on if they are exempt or non-exempt.

>re: inept government

Gee, I wonder why the government can't get stuff done.

There are solutions to these problems, but folks keep electing people that shoot down any type of legislation that would actually help the middle class.

It's not incompetence, it's malice.

Thank God for capitalism <3

If your homeowner insurance covers it, then yes, the public is paying for that drywall to be removed and disposed of.

That's all public services really are, insurance but through the government.

> I don't care about karma

> is in the top 1%

Yeah, okay buddy ;)

Ah, I misinterpreted that, my b¯\_(ツ)_/¯

I cede that level of knowledge of the market to you. I yolo'd my own money in 2020 and made a stupid return, but that was money I was willing to lose. My own non-401k investment set up is far more conservative. I think it’s 40% lower yield, higher stability with some dividend paying stock as a buffer to the remainder growth-oriented stocks and ETFs. I forget the exact make up, but it was set up this way when i made it.

My point was more that I know people who never adjusted for age or retirement goal on their 401k. The values might have been lower, but I imagine it'd still be higher than at present.

But I also recognize the last couple years sucked for everyone. And it's why, in general, I am a strong supporter of stronger social safety nets. The idea of sustaining myself on my 401k sounds like a pipe dream. Especially if the new standard is once in a generation economic crises every other year

But your losses (factoring in inflation on top) would still have been less than if you're still heavily in the stock market.

That's my point. You can't react to a sudden economic crisis, but there are ways to mitigate loss.

Funnily enough, your analogy regarding cash is absolutely wrong in this case. Someone who had their entire 401k moved to cash in 2021 would be doing better than someone who's 401k was mostly stocks.

And a realistic middle ground: a heavily stability oriented portfolio would be somewhere in the middle.

The value of my 401k today is 3 grand less than what I put into it (37k vs 40k), imagine what losses others are feeling that could (and should) have been mitigated by age-based rebalancing.

By the time you're nearing retirement, more of your money should be moved to bonds and other stable investments. This should have been done in the years leading up to retirement, not as a reaction to the economy shitting itself.

If you're nearing retirement age and you're still heavily invested in stocks for the bulk of your 401k or other retirement source, you've done something horribly wrong.

Believe me, I know. Anyone not retiring is getting stocks on sale right now.

I'm 27 and I tell my retirement-age coworkers thanks for transferring the value of their 401k's to mine ;) Some of them took pretty big hits, but that's mostly on them for not shifting the value to more stable, if less growth, forms of investment.

Honestly I'm looking forward to 2023.

The only debt I'm carrying over is my car loan, travel trailer loan, and student loans. My 401k contributions are going up and I just started a secondary investment vehicle and opened a long-term savings account.

Maybe some day, I'll even be able to own a house :')

Same. Haven't had a cold or been diagnosed with covid since the pandemic started.

Honestly I'm scared that it means my immune system is so far out of practice that when I do get sick, I'm gonna literally explodie or something.

Funny thing is, my roommate is currently sick with covid, and still nothing.

Manifestum Megachusetts.

Deus Vult!

I fuckin hate 2 lane circles. Make them larger single lanes (╯°□°）╯︵ ┻━┻)

You are incorrect.

The budget was set based on the expected taxable income. When covid hit, that number (last years budget) was lowered as a response to expected lost income. That lost income never materialized, and so the state went over the budget revenue because the budget was smaller than expected.

The refund you are getting is only in response to last year's budget, which was less than the amount of tax taken in. Next year's budget will be raised because there is no expected drop in productivity.

Yellowstone in spring or early fall before the first chill.

I'm pretty sure they won't be alive

Unless MA becomes the site of a literal money printer.

It was one guy with one of those old-timey cameras and a really tall set of stilts.