Ufot [he/him]

I just use 9 key/excel. Guess it’s not as portable as a physical calculator.

At least they wouldn’t have to pay for cars/gas anymore!

Get a solid $20 knife and look up some knife techniques. Grab a bowl or something ready for the scraps. I can dice up an onion in like 30 seconds, you could probably do it in less than a minute if you have a sharp knife and practice a little.

If youre really pressed for time you can prep ingredients beforehand, either earlier in the day, or even a previous day, and then cook them later.

Some recipes do take a lot of work and prep but lots of them don’t. Some take awhile but the active time isn’t much, so it’s not like you just have to stand there.

Its easier said than done, but you don’t have to wait until you’re hungry to start cooking.

I like baseball, it’s got lots of stats, its always on, and you don’t have to be glued to the radio/tv to follow a game. Playoffs give you the drama. Regular season is more of a cruise.

If you like the radio the sf giants have an excellent radio(TV too) broadcast team. They have a good Spanish broadcasting duo too if that’s your thing.

I’m sure there’s other good ones, I couldn’t tell you, following one team casually is enough of a time commitment.

If youre in America it’s probably a good idea just to follow the local team. If there isn’t one check to see if there’s a AA or AAA affiliate nearby.

Lol I saw this one in the wild.

Absolutely absurd.

I’ll bet my left ass cheek this millionaire is paying over the market average for rent. I’ll be generous in her “thriftyness” and call it 2k.

So 24,000 a year. Ober 7 years, 168k

Almost bought a place an hour out of Seattle, probably tacoma. Homegirl isnt living in dupont. According to this website.

https://fred.stlouisfed.org/series/ATNHPIUS45104Q

Avg home price in tacoma 2024: 450k 2017: 250k

Let’s be super generous, say she dropped an extra 150k in maintenence/tax/costs etc Still up a cool 100k

They telling me her diversified investments of 250k made 268k in profit?

Yeah ok.

What are ethical ways people could/should invest their money into instead?

I’m not going to ever be a landlord, but I want to retire at the point.

Maybe you can enlighten me on more ethical ways to invest my money because at this point I think not putting money into a 401k is a terrible financial decision.

Tax deferred compounding interest is too good of a deal for the average person to pass up. Over 30 years you’ll be looking at anywhere from 100-150% return on investment.

$50 a paycheck for 30 years with 5% avg return turns your $39k total contributions into $100k in retirement savings. $100 turns $78k in total contributions into $200k savings.

For many people who find saving difficult, me included, being able to set it and forget it, plus the understanding it needs to be for retirement to get the full return, has allowed me to save money I would have spent/wasted otherwise.

Due to the compounding factor, the sooner a person starts the better the return, so to discourage young people to not put money into a 401k is IMO actively harmful.

IMO It’s like telling someone they shouldn’t have health insurance. Yeah it’s bullshit that society forces us to participate in a fucked up system but not having it puts future you at a terrible risk.

It’s cause he’s only drinks socially.

Soy milk

For me blues and jazz are genres that I much prefer to hear live than recorded. I’ll put them on if I’m in a particular mood, but they’re not in my regular rotation.

If I want to see live music the first thing I’ll do is scope a few venues to see if I happen to recognize any artists. Second thing I’ll do is look for any blues or jazz shows.

Lol this always cracked me up. Ask your partner I guess?

Fwiw I picked up some vanilla scented beard oil for when I eventually date again. I don’t want to smell like leather. But if sandlewood gets my next partner going lol, I’ll pick some up.

What the hell are you even talking about? What are the bands that you like that used to tour and only play festivals now?

Covid fucked everything up.

They might know some other younger people who they can connect you with. Maybe not though.

It’s cause they like free loans sucker.

Ok I got home pretty late so I’m not going to donit tonight but I’ll do it sometime tomorrow. I’ll mark this as unread so I remember.

I have a cookbook that has some, I can send you some pics when I get home. It’ll be a few hours so i might forget. If you’re interested remind me and I’ll be happy to.

If I throw something at your head and it hits you in the face, was it because you did something irrational?

No. Maybe the throw was too hard. Maybe you weren’t paying attention. Maybe you can’t see, or maybe your arms don’t work the way other people’s do. Maybe you felt something coming and didn’t know what to do and panicked. Maybe you like getting hit in the face. Maybe I threw it really softly, and you were paying attention, but you’ve never practiced or tried to block/dodge a moving object and it hits you on the nose.

None of those situations are irrational. The only thing irrational that could occur is thinking it happened because of something that couldn’t be explained, or by maybe trying the same thing over and over again and expecting different results.

Hmm that’s pretty interesting. I don’t think it’s a good way to learn how to cook on its own, but if you can identify what most of the common herbs/spices smell and taste like, even being able to pick them out from a cooked dish, you’re going to understand the theory a lot easier and more deeply.

So I’m basically recommending you do the cook version of ear training lol. It’s probably the hardest way to learn how to play music(or cook), but if you already have a decent foundation in it, it’ll definitely help you understand wth is going on. Otherwise its just pure sniff ideology? I think that applies lol

All just depends on what your goals are. If you want to cook the best stuff with the least effort, just find a few recipes you really like and try to follow the recipe exactly. I’m happy to go into more detail on what I think has helped me get better at cooking. I’m no expert and never had any formal training but I’ve tried pretty hard to get better over the last fifteen or so years lol. lmk

Loans are given out for 1 reason, to receive interest payments.

If he’s making the interest payments, then they’re going to keep loaning him money.

Lenders often make stupid decisions and risky loans but at its core, a loan is determined by two(three) things.

1. Does the lender believe the borrower has enough income to pay the minimum monthly payments?

2. Does the lender believe the borrower has enough assets, which if liquidated could pay off the remaining debt?

3. Is it worth the risk?

I’m no finance expert and there’s a lot of specifics between different types of loans that have different reasons. Like a personal loan, mortgage, car loan, business loan. Way more than that idk.

There’s also reasons banks will or will not loan money that are a little more vibe based, ie racism, classism.

But the lenders, either correctly or incorrectly, have determined he has the income streams and the assets(sounds like he owns lots of property), that risking 1.2 bil made financial sense. A lot of thst probably is tied to real estate.

Having said all that holy shit that’s a lot of money. Assuming he’s paying only the interest at 3% apr that’s $36,000,000 a year. Fuck.

Eyyy i’m removedioli pastaoling ova heaahh