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Poik

@ Poik @pawb.social

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98
Joined
3 yr. ago

  • Deleted

    Retirement in the USA is a scam

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  • All target date funds through vanguard tanked that year unless you have 2060 or later as the target. 2030 lost 25% and hasn't yet recovered.

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    Retirement in the USA is a scam

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  • They likely were using a full retirement fund, like VTINX or Vanguard Target 2030 or something like that. All of them tanked in the end of 2021 up to target 2060. Even my shares in the Total Bond Index tanked then, and those are supposed to be as low risk as possible, literally.

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    Retirement in the USA is a scam

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  • Stop. The Vanguard retirement funds all did this if the target is before 2060. And those are invested in index funds by professionals. OP likely had the VTINX or a total bond fund, both of which did this that year and were recommended for during retirement. This is likely the more liquid portion of the portfolio, not the penny stock portion.

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    Retirement in the USA is a scam

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  • The close to retirement ones suffered that year. The 2030 target lost 25% in less than a year recently and hasn't recovered. Ironically, the high risk ones have been less risky during COVID than the low risk ones.

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    Retirement in the USA is a scam

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  • Check the vanguard target retirement income fund (vtinx) and other similar funds. There was a dip in 2021 that absolutely destroyed a number of retirements, my patents included, despite being low risk options. Total bond index funds also suffered for some reason, and those are as low risk as you can get. Every other fund I have is doing great, but the ones that are supposed to be safe are not doing great.

  • Tradition

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  • But did Das Boo Schitt get a Michael Bay adaptation? Also... Why does Michael Bay own the rights to skibidi toilet now? What timeline did I wake up in?

  • hard to argue with

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  • https://en.wikipedia.org/wiki/Straw_man

    You introduced the idea of not wanting women to give birth in a conversation where the only thing brought up was women don't have to give birth to be valid. Women not wanting children is as valid as women wanting children.

    The straw man here is the anti-natalism.

  • Oh... I don't think there's a word for it...

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  • Using sex terms (as in "fucked up" or "that sucks") to indicate violence (as in preventing normal action or imposing deprivation inducing results, philosophical violence, not colloquial) is a meme as old as time. It's more of a dysphemistic treadmill thing than anything. People are okay with being oppressed when talked about in normal terms like "walled garden" but talking about sex at all is taboo in a lot of places (for no good reason). (I am asexual (mostly) and I find this paradoxical aspect of the largely sexual public (in the US) to be massively a detriment to society.)

    So no, using anal here isn't being homophobic. Not including it in the dysphemistic treadmill would be. My boyfriend has used this term before and he's hella gay.

    Edit: for reference, I'm exaggerating a bit. Buying into a walled garden is fine if that's what you're into. Just know that you don't own the hardware or software you bought, instead you paid to get temporary access to services provided by it. For more information, see the war on right to repair.

  • What is a game or games that you think are an absolute must-buy?

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  • I'll back this up, and recommend people having a hard time look into Spell Labs on the steam workshop (and elsewhere) to help get further into the game. Once the game really clicks, it's super satisfying. Even before then, the ridiculous wonder of all the things are great. It's just as hard as it is amazing and that can be a turn off. There are other quality of life mods available in the workshop for people wanting to just enjoy the game, but the tutorial in Spell Labs is one of the biggest helps I got in unlocking progression.

    Noita Together sessions were the big thing that turned the game into an obsession for me.

  • In your opinion, what video games have terrible names?

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  • NFS: Hot Pursuit. HP2 was a perfect game in the arcade racer genre. HP remake doesn't even have bots in multiplayer, meaning you and your buddies won't be chased by cops because no one plays that game and the cops have to be played by humans.

  • Hurricane Katrina vs. Hurricane Helene

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  • Not quite, the Helene one is between 25% and 50% more zoomed in based on what I can see of the bump of Louisiana and the shape of Cuba. Still a striking comparison even with that accounted for.

    Edit: Oh wait, I misread the uncovered coast line on Cuba. I think that's actually closer than I initially thought. They just have it panned and rotated a little.

  • Non-Americans who have been to the US.. What is the weirdest thing about America that Americans don't realize is weird?

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  • Hahaha. I think when they say crimes, I think they mean doing drugs and having sex. So largely nothing actually harmful unless the person passes out.

  • Non-Americans who have been to the US.. What is the weirdest thing about America that Americans don't realize is weird?

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  • We don't even get this memo. I thought it was still 15, 18, and 20. And I'm wholey against mandatory tipping, but always do so because I don't want the underpaid staff to starve. I have enough friends in food service who can barely pay their rent with multiple roommates.

  • Non-Americans who have been to the US.. What is the weirdest thing about America that Americans don't realize is weird?

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  • And minimum wage isn't a liveable wage in most of the US now. Well, unless you split rent amongst 4 working people in a single bedroom apartment. That's only an exaggeration in some of the US.

  • Non-Americans who have been to the US.. What is the weirdest thing about America that Americans don't realize is weird?

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  • I only really saw that in grade school. And it was a Red Scare thing. Super culty, but so is all the McCarthy stuff.

  • Non-Americans who have been to the US.. What is the weirdest thing about America that Americans don't realize is weird?

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  • They say it's to prevent crime. Same as a lot of the awful things we come to expect. I'm willing to bet it doesn't do anything noticeable with respect to crime.

  • Non-Americans who have been to the US.. What is the weirdest thing about America that Americans don't realize is weird?

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  • There's a health food craze in the US that stemmed out of rampant body shaming. Which might be largely because of American portion sizes. And they think that nutritional fat makes you fat. It doesn't. Excessive calories make you fat. And even that has caveats, but it's the best rule of thumb.

    When did we start splitting milk? I know part of it is to make cream and high fat stuff while repurposing the skimmed off grass water. ::Googles:: WWII as a means of selling the byproduct of butter. Okay. Then in the 50s physicians started calling it health food despite the fact that the fat is used in your body during the digestion of many fat soluble vitamins such as A, D, E, and K, and thus skim milk is pretty close to the opposite of health food.

    And the money thing is kind of rampant. It's a big reason why things with larger price tags, like Rolex watches, are thought to more impressive by Americans than equivalent or better watches. Rolexes do have a very high quality, but then the mark up on top makes it strictly something I do not respect, and others do not share that opinion with me. Same for a lot of things.

  • Maths rule

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  • I sit corrected. It's used as an arbitrary singular value within the proof, so for any always felt more appropriate.

  • Maths rule

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  • Nope, it means "for any" as in no matter which one you choose it will be correct.