• 1 Post
  • 2.65K Comments
Joined 1 year ago
cake
Cake day: June 15th, 2023

help-circle
  • When I was in my early 20s there were a few personal finance things like this I didn’t understand. Here are a couple examples:

    1. I refused a credit card limit increase because I thought that it was a trap to get me to spend more. I didn’t understand FICO scores are partly determined by “amount of credit” and “credit utilized”. I likely cause myself to later spend more money on higher interest rates when I got a loan because my credit score could have been better.
    2. I was mildly upset I got $1000 as a bonus instead of a pay income because I thought that bonuses were “taxed at a higher rate” when instead they are simply “withheld at a higher rate” and it all washes out in the end when you pay your taxes at the end of the year.

    But I grew up and learned these things in my 20s and didn’t carry those mistakes into later adulthood.


  • But Russian soldiers on the intercepted calls appeared doubtful that they would have enough commanders to lead the new units, or enough weapons and ammunition to arm them 979 days into Moscow’s invasion.

    From what I can guess, I don’t think they need to hold a gun or fire any bullets to accomplish what Moscow wants out of them. Russia will march those North Koreans out in “meat waves” to absorb Ukrainian bullets and drones while forcing Ukrainian defenders to reveal themselves to shoot the North Koreans forcing themselves be targeted by artillery.




  • I saw one of these and it took me a second to realize it was a scam. I’m a spaceflight geek and as much as a tool as Musk is, there’s heavy overlap in spaceflight and SpaceX.

    On Youtube there was a purported “live launch update” livestream. I was confused because I knew there were no launches scheduled that day of any kind much less SpaceX. What I saw was Musk on a stage outdoors apparently talking about a new SpaceX crypto product and the voice, which sounded exactly like Musk’s talked about giving away free crypto the only thing you had to do was buy it, then share you wallet info and Musk would double it.

    Besides this smelling very suspect, I realized that there were never close shots when musk was talking, so you couldn’t see the lips match the words being said audibly and I knew it was a scam.

    I can absolutely see how the greedy would get scammed by this.







  • I remember back before 2020 there was tons of mountain and cabins and homes and stuff like that anywhere from 2:50 to 500K. Now you won’t find a single one less than 800k…

    WFH and good satellite internet were a bit of a game changer here. You could now live in a remote place and work a job with a high income.

    Regular homes are just as bad. I’m seeing homes in my area that sold for around $200 to 300K in 2019, now they are 500k and above.

    Supply and demand here. There aren’t enough houses being build for people (and private investors) that want to buy them. The price rises.

    I don’t understand how this makes any sense? Salaries were not doubled, but somehow the price of all homes are now twice as much.

    Lots to unpack with this one. First, some people’s salaries were doubled. There has been some niche sectors of industry that have seen large year over year increases in income, specifically some STEM fields. Second, housing price rises are not linear across all pricepoints. The cheaper house are going up significantly faster than more expensive homes. Why? Because there are more people shopping at the lower pricepoints. When we bought our new-to-us house a few years ago buying a house $150k more expensive than the house were were living in got us very little more house. However, buying a house $250k more expensive got a lot more house (larger, better neighborhood, more outside space, etc).






  • Toxic jobs drain your life, even when you leave work you’re worried about work, worried about getting fired from the toxic job…unless you can scrape together a small amount of money saved. If you’re sitting at home spending what little extra you have trying to distract yourself from thinking about work recognize that that cycle will NEVER END. Make it your mission to save every damn penny you can until you have a small amount of savings.

    When you have that money, you’ll notice that you’re not quite as worried about being fired because you know you’ll be able to pay your rent/mortgage next money, you’ll have food on the table, and you’ll be able to cover the bare minimum of costs to live. The situation has now changed dramatically because you could quit tomorrow if you needed to, and you’ll be okay next month.

    Working the toxic job has now stopped being a necessity, and now its a choice you make. You choose to be there. You have the power now. You can choose to quit and be gone if you absolutely need to and you’re not going to be homeless. Now you work the toxic job not for them, but for yourself. You use that job, as toxic as it is, to get what you need out of it to raise yourself to the next level of what you need to go elsewhere. You’re also not trying to avoid thinking about work because you’re not scared of it. You have some mental capacity back and can start asking yourself what you want to do next, what you need to do that, and how to get those things accomplished. Is it more school? A certification of some kind? A tool needed for your trade? Experience? Maybe you can get that experience at your toxic employer. Volunteer for what the work is that would give you the experience. You’re going to make mistakes in this new work. Make your mistakes there at the toxic employer. Gain the knowledge you need, then start looking elsewhere all.

    Find your new/better employer, and make your escape.


  • Yes. Which was not the topic being discussed.

    The idea was that Google Chrome would lose a significant market share because of this. And, on the off chance that somehow happens, that is basically a death sentence for all the browsers dependent on Chromium.

    Hmm, okay if thats the only thing you’re willing to discuss, I’ll respond directly to that then.

    The idea that Google is going to have significant market share loss from removing V2 manifest support is laughable. This is especially true if you’re saying the market share for Chromium will decline specifically for uBlock Origin no longer working. As of right now there are:

    • only 40 million users of uBlock Origin on Chromium browsers source
    • over 5.52 billion people using the internet as of this month. source

    So if 100% of uBlock Origin users stopped using Chromium browsers because of lack of uBlock Origin that would only represent a loss of .769%. Not even 1%.

    Further, I’m betting Google would continue to keep development on Chromium going even with significant market share loss to some other browser. Google was around for the late 1990s and early 2000s when Microsoft absolutely dominated the web browser market and had the ability to literally change the specifications of the web on a whim and locking out non-Microsoft systems from the full web experience. A company Google’s size (and business model) cannot be safe if a competitor can change the web standards for the web client (browser) that Google products run in.

    I say all of this as a loving user of Firefox with uBlock Origin, that I’m posting this comment with right now. However, I’m realistic about the situation as it exists today.




  • If anyone is curious if the girl was buying a single $5 coffee per day, contributing that $35 into a basic S&P 500 fund each week, and doing so for 2 years she should have about $4500 in her account. Now, if she’s buying coffee supplies at a grocery store to replace buying it at take out , we’d have to subtract the cost of coffee supplies from the $4500 to know how much she truly saved making coffee at home.