That’s not necessarily a bad strategy, either. Most people, their home is their major asset, but you can’t really access that value to buy groceries in retirement. Take money out on a new mortgage on the inflated value of the house, buy groceries and pay mortgage with that money, and move in with the kids when/if the money runs out. The bank will take the house in the end, but leaving nothing to the heirs may be better than spending your last years living in your kid’s basement. The whole ‘reverse mortgage’ industry has grown up around just that plan.

“Corporate meterologists” basically just put pretty graphics on top of NOAA forecasts.

I used to pay a particular company by purchase order for this exact reason. CC takes 2-3% of the payment, but purchase order - they’ve got to get themselves into the company system, track the PO, invoice, track the payment…at the time, a common estimate was $50 to process a PO, and if you’re only buying $100 batches, that’s a big hit. Did not like that company, but they were the only place to get whatever it was I had to buy.

Revenue divided by time is a depressing metric for anyone who starts trying to monetize their hobby, but that’s not the point. Do your fun project because it’s fun. If you make enough to cash out on Steam, get yourselves some actual trophies. Or pizza. Trying to make money will force you to do all the depressing capitalist things the big studios do, and then it’s not fun anymore.

And X-windows. There’s a few server tasks that I just find easier with gui, and they feel kind of laggy over 1G. Not to mention an old Windows program running in WINE over Xwin. All kind of things you can do, internally, to eat up bandwidth.

If you can be flexible on timing - put off the home purchase for a couple years if there happens to be a crash right at your target date, then a lot of volatility concerns fade. Of course, the middle of a crash is also when home prices will be lowest.

Vanguard’s actual asset allocation on their TDFs is https://retirementplans.vanguard.com/VGApp/pe/pubeducation/investing/LTgoals/TargetRetirementFunds.jsf and there’s a simple asset allocation - return calculator https://smartasset.com/investing/asset-allocation-calculator There’s a bunch of them around, that was just the first one with error bars that came up for me, but it will give you a better sense of both how much and how variable the full equity vs the ~60/40 TDF will be. I like error bars. To my eye, it looks like there’s not much difference in the 5-year median or 25th percentile performance, but a notable upside potential in the 75th percentile. That’s why I say, if you’re comfortable with the volatility, you might as well go all the way.

A target date fund on that horizon is going to be shifting its assets from stocks into bonds and TIPS, but is still going to have most of the volatility of VTSAX. If you’re comfortable with the possibility of having negative return over 5 years, then you might as well VTSAX. If you need for the savings to grow, then you probably want less stock exposure than a future target date fund.

For reference, the historical 5-year return on US stocks is anywhere from +30% to -10%, annualized. Even over 10 years, you’ve got about 1-in-8 chance of losing money. I mean, the stock market is definitely the best way for most people to grow money over time, and the economy looks pretty good right now, but Time is definitely doing the heavy lifting, and almost no one ever forsees the event(s) that trigger crises. 5 years is pretty short term.

Wow. I thought I lived in a pretty walkable part of Atlanta. I really only use my car for the grocery or a ‘big’ shopping trip.

• Convenience store 2 km
• Chain supermarket 1.5 km
• Bus stop 1.3 km
• Park 300m
• Big supermarket 2.5 km
• Library 2.7 km
• Train (subway) station 1.3 km
• Downtown Atlanta 13 km

If you’re technically inclined, Big Clive has a tutorial for ‘fixing’ most bulbs not to overdrive the LEDs by removing or changing a single resistor. https://www.youtube.com/watch?v=5HTa2jVi_rc

Yeah, it’s the screening that’s free. If that turns something up, then it transitions to “care.”

I’ve had the same experience with “wellness” check-ups: if I mention some complaint to the doc during the visit, it suddenly becomes “visit with complaint” and costs me $120.

Fun fact: for people over 45, colonoscopy screening for cancer is always free. If your insurance tries to make you pay for it, report them to your state insurance commissioner or the Center for Consumer Information and Insurance Oversight. ACA made a lot of preventative medicine & screenings free.

I’d say colonoscopy, esp if you’re over 45, but those are required by law to have no out-of-pocket costs, regardless.

As an old fart, I actively dislike photorealistic graphics in most cases. I’m playing a game, and I kind of want it to look like a game, which generally means more surrealistic - exaggerated contrast, high saturation, low texture - than realistic. I’d rather play where the characters look like caricatures than my next door neighbor. And that doesn’t even go into great games with sprite-like graphics.

Enough is enough. You’ve saturated the art budget, it’s time to pay writers more.

Have an updoot, Offspring-fan.

I got my current number around 3 years go, and the vast majority - easily 95% - of calls I get are still real estate, political, or job search spam for the previous owner. It’s on permanent DND, but I’ll check the text log every day or two.

Also, at least for the Yubi implementation, fixable in software, firmware >= 5.7 not vulnerable. Also not upgradeable, so replace keys if you’re worried about nation-state attacks.

University is ok if you’re starting at zero and don’t even know what’s out there. It’s for exposing students to a a breadth of topics and some rationale of why things are as they are, but not necessarily for plugging them into a production environment.

Nothing beats having your own real world project, either for motivation or exposure to cutting edge methods. Universities have tried to replicate that with things like ‘problem based learning,’ and they probably hope that students will be inspired by one or two of the classes to start their own out-of-class project, but school and work are fundamentally different ways of learning with fundamentally different goals.

Trump is exactly the kind of Karen who would describe anyone disagreeing with him as ‘having a mental health episode.’

It kind of sounds like OP morphed from hobbyist to investor, then lost interest when his investment lost value.

There’s a lot of hobbies that offer a path to professional, and I’ve watched friends go down that path. It’s rarely a good experience - there’s all kind of things you have to do as a professional to make a living that you can blow off as a hobbyist/volunteer. There’s a lot more stress when success or failure is tied to whether you eat or not. You lose a lot of freedom to tell dickheads to fuck off.

Never been into collectibles, myself, but the investment pressure seems insidious. Like, it’s one thing to trade cards among friends because you got doubles of something your buddy’s missing, but buying a rare card because it’s “underpriced” to hold until its price recovers is very different. The money is pressure to change from looking at your collection as good, fun, or complete and to looking at its presumptive cash value. Then you’ve stopped being a collector and started being a businessman.

Without an adblocker, I used to mute the system and put youtube in a background window. Do something else long enough for the video and all its ads to play, then go watch it. They wouldn’t play the ads on a second play through, and it would interrupt the cycle of constantly playing a new video.