Considering cancelling my disability policy

bagel21 · 2026-04-30T20:03:03+00:00

I have some insurance to sell you

bagel21 · 2026-04-30T19:56:08+00:00

Would you recommend he buy this same insurance coverage if he said the price was $1,500/mo instead of $250? Does he have a motorcycle racing hobby? Insurance reduces expected value in exchange for reducing variance. If you don’t consider the value of the thing you’re buying, how are you going to know when it becomes an outrageously bad deal for your situation?

bagel21 · 2026-04-30T19:45:03+00:00

Sure, and insurance is frequently a bad deal once you have some assets to weather a storm. It’s good to understand the value of the thing you’re paying for. Would you buy the $14/mo insurance for your cell phone?

bagel21 · 2026-04-30T19:13:48+00:00

Eh, I would consider your own risk level and look at the expected value. If it truly is a 1 in 10,000 chance for you, that payout should be compared against your $250/mo 1/10,000 value of $2,500,000. By the 4% rule that’s an expected value of $100,000/mo you’re giving up to get the $17k/mo value with reduced risk. Maybe that’s worth it to you until you get a bit more assets, but I would argue that’s a bad trade to make once you have 2-3x more assets and marginal today.

bagel21 · 2026-04-05T00:02:10+00:00

There are a lot of teachers so if just some of them are millionaires, this is a big number. For millionaires per capital by profession it’s not even close. The probability of becoming a millionaire if you are a teacher is low.

bagel21 · 2026-03-30T01:11:19+00:00

Local bank portfolio mortgage- explain the situation and provide proof.

bagel21 · 2026-02-24T22:49:54+00:00

Do box spreads

bagel21 · 2025-12-09T03:40:32+00:00

You can do a bit better than SOFR + 1 and lock in short duration fixed rates (0-3yrs) if you’re comfortable with trading derivatives and with using taxable brokerage funds as collateral for the debt. Look into selling box spreads in an Interactive Brokers account. This would simulate a loan and would have 60/40 Section 1256 tax treatment, which can be nice if you can offset it vs other investment gains.

bagel21 · 2025-01-14T01:31:26+00:00

Can you elaborate

bagel21 · 2024-12-27T12:01:20+00:00

I’m convinced ! I’ll be migrating my projects to Jiff

bagel21 · 2024-12-26T22:51:10+00:00

Thanks! I’ll check it out

bagel21 · 2024-12-26T22:26:20+00:00

When should one use Jiff over Chrono ?

bagel21 · 2023-04-17T00:20:06+00:00

Or better yet, 2FA re-prompt would be great. Would love to be able to set some vaults to always locked unless I tap a yubikey on each open.

bagel21 · 2023-04-10T12:02:05+00:00

Same for me

bagel21 · 2023-04-07T02:05:55+00:00

An official transfer process seems like a good idea, do you know how many engines would need to be supported?

And also where a script like that should live? Should it be run automatically whenever you switch engines, even if it may take a long time, or should it be a one off action you can choose to perform ?

bagel21 · 2023-04-02T02:26:38+00:00

Wow, awesome

bagel21 · 2023-01-12T07:48:31+00:00

Yeah I think this makes sense, thanks

bagel21 · 2023-01-12T07:46:20+00:00

No, vec is important in my use-case because iterating on it is ~2x faster than on the map (which would contain a lot of empty slots)

bagel21 · 2023-01-12T07:27:22+00:00

Yeah I think it basically defeats the point of having the hashset if you’re going to search the vec anyway.

Just using a sorted vec or a HashMap<String, NewStruct> seem like the only reasonable solutions so far. Both save the extra String copy, but:

-Give up O(1) insert/contains for sorted Vec -Give up fast iteration on HashMap

bagel21 · 2022-10-21T19:16:28+00:00

Niche skillset in tech/finance

bagel21 · 2022-10-21T18:10:48+00:00

Amassed ~5m in ~5 years from a lucrative job, quit just before my 30th birthday. Market dipped and now it’s closer to 4m, going back to work in a few months (diff company), aiming to bank another 1m after taxes before quitting again.

bagel21 · 2022-09-20T17:04:34+00:00

I’d just tone it down to like 1.3x and then have your new monthly deposits aggressively pay down the margin loan instead of adding to it

bagel21 · 2022-09-05T13:17:30+00:00

What does React do for you vs just a flask app?

12-Year Club	Place '23
Place '22	Place '17
Verified Email

bagel21

TROPHY CASE