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Mantergeistmann


				

				

				
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joined 2022 September 05 00:52:03 UTC

				

User ID: 323

Mantergeistmann


				
				
				

				
1 follower   follows 0 users   joined 2022 September 05 00:52:03 UTC

					

No bio...


					

User ID: 323

For somebody who has that extreme level of risk aversion, what options are there that beat a HYSA? Browbeating her into equities isn't going to fly.

Ibonds? $10k/person/year limit, indexed directly to inflation + a fixed rate, state tax exempt, 30 year term, and 100% safe (well, unless the entire US burns to the ground, in which case nothing would be safe). The only "risk" is that you can't cash them for the initial holding period, and lose the latest 3 months of interest if you cash them within 1-5 years of purchase. Some years, it won't beat an HYSA (current inflation + fixed rate is 4.26%, so if you'd had a 4.5% HYSA earlier this year that would've been higher), but it will always beat inflation by the fixed rate.

On a similar topic, are there "non optimal" things that you do financially, but you do them anyway?

I have some very silly auto-invest/auto-transfers set up, just because I like the flow a bit better, and in some cases I've set them up so they can continue for the future instead of just investing the cash on hand now and then setting up the auto-system.

Related, but I tend to use different accounts as "buckets", even if one of them is giving me less of a rate than, say, an MMF would -- or if one MMF is giving a slightly worse rate than another.

Related related, but I use NFCU's savings account (earning dimes) over a different HYSA/MMF. Will I ever need that immediate liquidity? No, but I like having it there all the same.

The other one is that I'll actually keep a few index ETFs (at around $100) in an account that I also have a mutual fund in. I like being able to log in, see what it's at throughout the day without having to look up the ticker. So for instance, if I'm in an international mutual fund, I'll also have ~$100 in VXUS.

A modest proposal to unite the country (against me): Ironclad union laws, and scabs are made illegal... unless the scabs are undocumented immigrants, who will be given visas and (by law) permanently replace the striking workers 1-for-1 on payroll at their jobs if brought on to work.

this is actually a plot by the Washington-Rabat-Tel Aviv axis to take control of the Straits of Gibraltar

How Britain has fallen. Such a sad state of affairs... and yes, I'm sure in this conspiracy they fall under "Washington's vassal", but my point is that if there's one place they shouldn't, it's the Falklands. If there's two places, the second is Gibraltar.

But, if downloads and hype are anything to go by, the player base does not want meaning, or purpose, or lore. They want their character to be hotter. They want the companions to be hotter. They want their hot companion to have blonde hair and not black. They want to be able to fuck all of the hot companions at once.

I mean, that's literally every game in existence. There are some... impressively degenerate mods for the Total Warhammer games, and I don't just mean for the Slaanesh factions.

I've been a big fan of... is it Beta Strike? The mode where everyone has more health. I find I just like that gameplay loop a lot better than "everything is bassd around not being shot at all."

Jews were pretty easy pickings at the time

As opposed to at some other point in the previous thousand years?

I think the principle of equality under the law naturally leads to people saying rich and poor deserve the same rights.

"the laws' majestic equality, which forbids rich and poor alike to sleep under bridges, beg in the streets and steal loaves of bread."

Me, I'm lame and boring, and just hope this crash continues through the end of the week to when my paycheck gets auto-deposited/invested. Tempted to shift a bit of my emergency fund into the markets, though -- i can afford to rebuild it back up with no major worries.

It's interesting to me that he doesn't consider the point of captcha fights to be attrition - ideally to me, an RPG should be slowly grinding away your resources as you approach the boss, maybe even forcing you to withdraw and come back another day, refreshed and re-equipped.

That seems to be a bit of an uncommon view, though, and a lot of games don't encourage it -- 5e both tabletop and adaptation pay lip service with long vs short rests, but in practice...

To the extent that you or Meshkhout do not believe that this sort of behavior is worth talking about, I am willing to concede my error: these tactics are legitimate, and therefore my side should exploit them freely for our own advantage, and I'm confident that you and Meshkhout will obviously agree.

I'm neither one of them, but I'll heartily agree: what's sauce for the goose is sauce for the gander. If dirty pool makes a legitimate tactic for one side, it absolutely follows that it is for the other. I may not like it when either side does it, but I don't think it illegitimizes an election either way.

claimed, and three other judges sign onto the claim, that "semiautomatic weapons are unlikely to aid in hunting for food or trophies given the destruction they cause to the target"

Reminds me of listening to the local NPR affiliate round table talking about how you can't use an AR-15 to hunt because it'll scatter the deer into pieces all over the forest.

Presumably both the round table and these judges are working from the same talking point distributed somewhere, but I can't be arsed to find the origin.

You could say the exact same thing about "black lives matter". And then "all lives matter".

Between those two, I would go VT. As I understand it, the value premium (if it exists) is mostly for small caps, no? Hence the popularity of AVUV.

Do you not find it conceivable that someone could have gotten an accurate picture of the toll of the war in Gaza from a multitude of reasonably objective sources, and then from that drawn the conclusion (perhaps informed by other values they hold, however much you may disagree with those) that they ought to oppose the Israeli position with all that entails?

I mean, if people had gotten an accurate picture of the toll of the war in Germany (or Japan) during WWII (or the starvation of WWI!), or the South during the US civil war... somehow, I still think they wouldn't have opposed the Allies/North, merely thought "How dumb must those people be to not surrender and keep wanting to fight us for no good reason?"

They: You are trying to sit on the fence and placate both sides, but this is unlikely to work. In particular, progressives will notice if you keep saying "they" when a transgender person's preferred pronouns are she/her (after all, in progressive spaces displaying your preferred pronouns is normalized), and will correctly recognize you as a coward trying to play both sides, if not a person who doesn't subscribe to gender ideology.

There's a weird shift in progress amongst certain sects, that are starting to insist that "they" be used for everyone, regardless of gender. It remains to be seen if it'll win out.

Oh, for sure. There's definite asymmetry there.

Counterpoint to "It's okay to be white". The people objecting are correctly seeing that it isn't being posted as an innocent statement, it's effectively a gang sign marking turf, and these people understand those posting the sign to be in a hostile gang.

Sierra Club used to be outright racist and anti-natalist, if I recall correctly. Can't let Africa have cheap energy, or there'll be a massive third world population boom!

As she lustfully stared at me, my loins exploded like the Titan submersible, and she, the ocean I wanted to be so deep into.

I can't tell if the author intentionally got implosion/explosion wrong here, or if it's accidentally even worse than they tried to be.

he's better off pretending to be Canadian

That used to be the advice for Americans travelling abroad: put a Canadian flag sticker on your luggage/backpack/laptop. This was, oh, mid-late 2000s? Early 2010s?

This is the stereotype in the Southwest, and it's what I essentially believed as a Protestant. In the northeast and sprinkled throughout the country, there are a lot of Irish and Italian Catholics; one was my neighbor growing up, with the Saint Francis statue and everything.

Yeah, in my experience in the Northeast, the shrine & statue garden decor is absolutely Italian-coded.

There's also a story mode, I think, if you just want to play on super easy mode. Might be a mod or two out there to give "kind of easy mode" as an option.

I don't blame them for that, same as I don't blame them for not applauding during Trump's SotU address. It's a pointless move to score political points, and I wouldn't blame Republicans if they didn't follow along were the Dems to do something similar.

The FIRE link mentions that, actually. Last time Fighting Words was upheld, the words were "god damned racketeer" and "damned fascist". Somehow, I doubt there's much overlap between "people who want slurs included as Fighting Words" and "people who want 'fascist' to be a Fighting Word."

What model and what'd it run you? I've been considering one now that I'm working from home more.