Perhaps's recent activity
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Comment on What did you change your mind about this year? in ~talk
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Comment on What are you reading these days? in ~books
Perhaps LinkDecided to finally dive into Cormac McCarthy. Started with All The Pretty Horses and reading The Crossing now. Just finished the first chapter and feeling a little dumbfounded. Like what is the...Decided to finally dive into Cormac McCarthy. Started with All The Pretty Horses and reading The Crossing now. Just finished the first chapter and feeling a little dumbfounded. Like what is the rest of this book even going to be about now?
So far I’m loving it.
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Comment on Dad jokes - I'm in need of something fresh in ~life.men
Perhaps LinkKnock knock Who’s there? Europe Europe who? No YOU’RE A POO!Knock knock
Who’s there?
Europe
Europe who?
No YOU’RE A POO! -
Comment on iPhone 15 Pro Max: A gateway drug for Android users in ~tech
Perhaps Link ParentSometimes I really wish Microsoft didn’t abandon Windows Phone. It was actually pretty innovative and stable towards the end, but there was a chicken/egg situation with users and apps that never...Sometimes I really wish Microsoft didn’t abandon Windows Phone. It was actually pretty innovative and stable towards the end, but there was a chicken/egg situation with users and apps that never panned out.
My opinion of google has been on a slow decline over the last 5 years or so, so that leaves me with Apple by default. More options would be great.
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Comment on What is a simple tech tip that changed how you use your computer or other devices in a significant way? in ~tech
Perhaps Link ParentI came here to specifically mention CTRL + shift + T to reopen closed tabs. I think it works across most, if not all, web browsers.I came here to specifically mention CTRL + shift + T to reopen closed tabs. I think it works across most, if not all, web browsers.
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Comment on Who are your favorite Tiny Desk concert musicians? Bob Boilen - Tiny Desk founder is leaving National Public Radio in ~music
Perhaps (edited )LinkMac Miller. I remember feeling uneasy about how strung out he looked the first time I saw it but it’s still amazing- especially the last song. I don’t know if it’s the fact that he died a month...Mac Miller.
I remember feeling uneasy about how strung out he looked the first time I saw it but it’s still amazing- especially the last song. I don’t know if it’s the fact that he died a month later or what, but it really resonates and I go back to it from time to time.
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Comment on Investors can't get enough US debt as Treasury bills are bought at a record pace in ~finance
Perhaps Link ParentIf everything else fails, the US government can still just inflate its way out of it. Debt to GDP is the metric to watchIf everything else fails, the US government can still just inflate its way out of it.
Debt to GDP is the metric to watch
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Comment on What is worth the splurge to you and what absolutely isn't? in ~talk
Perhaps LinkSplurge: basic cornerstone wardrobe items. I probably spend more on dress pants and button down shirts than most, but they’re going to last for years and years and aren’t in danger of going out of...Splurge: basic cornerstone wardrobe items. I probably spend more on dress pants and button down shirts than most, but they’re going to last for years and years and aren’t in danger of going out of style. They aren’t flashy- just good quality every-day stuff that gets used constantly.
Not worth the splurge: regular consumable items- cheap toilet paper, dish soap, coffee, etc. all work fine for me.
I used to splurge a lot on hobbies, but the hobbies were constantly changing so I ended up accumulating a bunch of super high-quality stuff that didn’t get used as much as intended. I take more of a tempered approach on that stuff now. I’ll buy the cheaper tools/gear until I’m sure it’s something I’ll continue doing.
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Comment on <deleted topic> in ~life.men
Perhaps LinkI don’t know what the sexual trauma was, but I imagine finding out your current boyfriend has been messing around with prostitutes while you’re together would only amplify that trauma. There’s a...- Exemplary
But it's been 5 months now and due to some past sexual trauma she still isn't ready to have sex.
I don’t know what the sexual trauma was, but I imagine finding out your current boyfriend has been messing around with prostitutes while you’re together would only amplify that trauma.
There’s a good chance that your actions wind up seriously hurting this woman, and if you can’t abstain from the prostitutes, you may want to consider breaking this off with her for her own sake.
I also don’t know that you can find the help you need on a site like this. It would appear you’re firmly in “see a professional therapist” territory.
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Comment on US tax code blamed as wealthy see major retirement account gains in ~finance
Perhaps LinkIt seems pretty intuitive that wealthier people have an easier time saving money. It also seems intuitive that wealthier people are more incentivized to fund 401ks since they reduce income that...It seems pretty intuitive that wealthier people have an easier time saving money. It also seems intuitive that wealthier people are more incentivized to fund 401ks since they reduce income that would be taxed in higher brackets, compared to someone who pays tax at a low, or even zero rate.
That said, it’s not necessarily the “billionaires” benefiting because billionaires are saving way beyond what is allowable in 401ks annually. The people they are talking about are more your highly compensated corporate executives, doctors, some tech, etc.
I don’t know how to remove some of the regressive nature of that particular tax benefit without either lowering the annual contribution rates to what the median person would be able to contribute, or instituting an income threshold for contributing, like we have with normal IRAs. The second would be nearly impossible to implement because 401ks are run by employers who would have no way to know all of your personal income for the year.
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Comment on If futures contracts/exchanges were outlawed, would anything of value be lost in the global economy? in ~finance
Perhaps LinkFutures serve as insurance for large businesses. If you’re coca-cola, for example, a huge spike in aluminum prices is a giant systemic risk to your business. If you can use futures contracts to...Futures serve as insurance for large businesses. If you’re coca-cola, for example, a huge spike in aluminum prices is a giant systemic risk to your business. If you can use futures contracts to lock in aluminum prices over the next x years, you can remove most of the risk. You’re usually paying a premium to do it, but you do that with other forms of insurance too.
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Comment on Small business owners who got bought out, care to share your experiences? in ~finance
Perhaps LinkI’m a CPA turned financial advisor. I don’t have a lot of specific advice other than do a lot do due diligence. If your industry has any valuation standards, understand them- it’s usually some...I’m a CPA turned financial advisor. I don’t have a lot of specific advice other than do a lot do due diligence. If your industry has any valuation standards, understand them- it’s usually some multiple of revenue depending on the industry. If it makes sense, consider finding a business broker in your industry and see if they think they can sell it for more.
Talk to your CPA about the tax consequences- you probably shouldn’t let the tax tail wag the dog, but it’s something to add to your pros/cons.
That’s if you even decide to sell. You could work out some other succession plan allowing employees to buy the business over time.
If you end up doing it, have a good idea of what you’ll do after. It’s easy to fall into a bout of existential dread once you cut the cord and you’re no longer attached to this thing you devoted all your blood/sweat/tears into.
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Comment on What have you been listening to this week? in ~music
Perhaps LinkI’ve been listening to a lot of Zach Bryan. He’s an Americana/Country/folk artist that’s not particularly new anymore. He’s a lot more raw and authentic than “country” you’d hear on the radio....I’ve been listening to a lot of Zach Bryan. He’s an Americana/Country/folk artist that’s not particularly new anymore. He’s a lot more raw and authentic than “country” you’d hear on the radio. Simple but beautiful songs that aren’t overproduced.
My wife says all of his songs “sound the same.” I guess I can see her point, but it’s a sound I love lately.
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Comment on Apple threatens to pull FaceTime and iMessage in the UK over proposed surveillance law changes in ~tech
Perhaps Link ParentThis was on the main reasons I moved over to iPhone and have been slowly “de-googling” my life. It might be marketing and PR, like you said, but at least they’re talking about it.This was on the main reasons I moved over to iPhone and have been slowly “de-googling” my life. It might be marketing and PR, like you said, but at least they’re talking about it.
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Comment on How do you keep track of expenses/budget? in ~finance
Perhaps Link ParentAre you manually inputting transactions into Excel? Using Tiller? I could probably do something like this, but figuring out how to manage getting the raw data in efficiently seems like the biggest...Are you manually inputting transactions into Excel? Using Tiller?
I could probably do something like this, but figuring out how to manage getting the raw data in efficiently seems like the biggest hurdle.
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Comment on How do you keep track of expenses/budget? in ~finance
Perhaps LinkThis isn’t an app solution, but it’s what works for me. I have my direct deposit from work split between two bank accounts. The first bank account is for all of my fixed, regular, monthly bills. I...This isn’t an app solution, but it’s what works for me. I have my direct deposit from work split between two bank accounts.
The first bank account is for all of my fixed, regular, monthly bills. I added them all up, added a “savings” amount, and have that amount divided by two and deposited into that account every pay cycle. All of my monthly bills are set on auto-pay out of that account. I don’t use it for any food, gas, entertainment, etc. It’s just the regular monthly bills that I don’t have much control over. If I see the balance goes above a certain threshold, I move the excess into a brokerage account. I do occasionally look through the bank activity for any surprises- bill increases and so on. Most of my money goes here, but it’s relatively few transactions.
The second bank account is where my variable spending comes from. It’s the rest of my paycheck. This is what buys the groceries. Pays for entertainment. Pays for gas. If I want to buy clothes, a book, haircut, it needs to come from there. I check the balance basically daily. If I don’t have enough for whatever it is I want, I have to wait until next payday.
Segregating it like that is kind of like a simplified “envelope system.” It’s forcing me to live within the budget of whatever is in bank 2. I use two totally different banks and I’ve intentionally made it difficult to transfer between the two- reducers the tendency to just take from savings.
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Comment on What is your favorite small internet forum? Whats your favorite story/drama from it? in ~tech
Perhaps LinkBefore I found Digg, (so pre-Reddit) I spent a lot of time on the bodybuilding.com forums, specifically Misc. That sub forum had nothing to do with bodybuilding and it was highly entertaining. It...Before I found Digg, (so pre-Reddit) I spent a lot of time on the bodybuilding.com forums, specifically Misc.
That sub forum had nothing to do with bodybuilding and it was highly entertaining. It was basically a bunch of hilarious “gym bros” talking nonsense- it developed its own distinct subculture. A lot of it was crass and crude, but I can’t even fathom how many hours I spent there in my early 20s.
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Comment on Elon Musk sues the lawyers that forced him to buy Twitter in ~tech
Perhaps LinkI first read about it on Axios where they pointed out that the stock market, in a way, put a dollar value on the attorney’s efforts: *On Friday, July 8, 2022, Twitter shares closed at $36.81,...I first read about it on Axios where they pointed out that the stock market, in a way, put a dollar value on the attorney’s efforts:
*On Friday, July 8, 2022, Twitter shares closed at $36.81, which meant that the market valued the company at $30 billion — a $14 billion discount to the amount that Musk had promised to pay for it.
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That weekend, Twitter hired Wachtell to fight Musk's lawsuits and to ensure that he paid the full $44 billion.
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Because Wachtell was successful in doing so, Twitter's shareholders saw the value of their shares rise by $14 billion. The $90 million fee to Wachtell represents about 0.6% of the increase in value the law firm ensured.
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Comment on What are your favourite bean recipes? in ~food
Perhaps LinkOne diced onion, one diced green pepper, one packet of Sazon seasoning, 1 TBSP of sugar, dry black beans, and water all go into an instant pot (or other electric pressure cooker). No pre-soak...One diced onion, one diced green pepper, one packet of Sazon seasoning, 1 TBSP of sugar, dry black beans, and water all go into an instant pot (or other electric pressure cooker). No pre-soak needed.
Set the time for 45-50 mins depending on desired texture (longer = mushier). Allow to de-pressurize for 20 mins or so after the time has run.
At the end add 1 TBSP of Adobo seasoning and 1 TBSP brown sugar. Mix and serve.
This gets you really close to a traditional Cuban black beans.
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Comment on Why are so many movies super long now? in ~movies
Perhaps LinkI wonder if it has anything to do with competition with TV/streaming. It’s not uncommon for a season of a TV show to span 8-10 hours and then run for 4-5 seasons. It seems like my social circles...I wonder if it has anything to do with competition with TV/streaming.
It’s not uncommon for a season of a TV show to span 8-10 hours and then run for 4-5 seasons. It seems like my social circles talk more about TV shows they’ve binged than any movies they watched- this is probably true for the last 10 years or so.
A longer movie allows for the telling of a more “complete” story.
This is going to be a bit mundane, but home ownership. For reference I’m a relatively new financial advisor after having worked in public accounting for 10 or so years.
I used to think people who “bought more house than they could afford” were foolish.
I’ve come to realize that most people don’t have the discipline to save money for things like retirement, and for many people, being “house poor” is forced savings.
There are a thousand ways renting can be better. There are even more reasons buying a “house you can afford” makes more sense.
But a lot of the people “buying too much house” would have just spent the difference anyway, and at least in the “bought too much house” scenario they have an asset they can downsize from when they’re too old to work. This is especially valuable in states where your primary residence is protected from bankruptcy.