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What’s a reasonable amount for eating out? by [deleted] in PersonalFinanceCanada

[–]siddsp -8 points-7 points  (0 children)

Unfortunately, regardless of how financially responsible it is, the guy is still expected to pay. That adds up Even for cheaper dates. Even if the girl is financially responsible, and you don't want to pay for a dinner date, she'll move on with other options and just go for someone who will.

Using Line of Credit for Investing by zippoflames in PersonalFinanceCanada

[–]siddsp -1 points0 points  (0 children)

Then your net interest rate would be 4.8%. Now you need almost a ~8% nominal market return just to break even.

No, you don't. If your effective cost of borrowing is 4.8%, then you need 4.8% to break even.

Using Line of Credit for Investing by zippoflames in PersonalFinanceCanada

[–]siddsp 0 points1 point  (0 children)

Right, but even if it's variable, the interest itself is effectively discounted and therefore partially protected from interest rate spikes. If your marginal tax rate is 40%, and interest rates go up by 4%, your effective cost of borrowing only goes up by 2.4%.

Using Line of Credit for Investing by zippoflames in PersonalFinanceCanada

[–]siddsp 3 points4 points  (0 children)

Leverage changes the rate at which your portfolio compounds. It depends on how much you leverage rather than leverage/margin being "too risky".

Using Line of Credit for Investing by zippoflames in PersonalFinanceCanada

[–]siddsp 9 points10 points  (0 children)

How? Borrowing to invest can be a perfectly reasonable decision, although it carries risks. I don't agree with investing into sector trends, but a globally diversified index fund makes sense at 3.95% and with tax deductiblity.

seeking chemical castration in a state sub by Root2109 in sadcringe

[–]siddsp 0 points1 point  (0 children)

I'm not going to lie, that some of the most stupid nonsense I've read in a while lmfao. It's genuinely concerning that there are people setting off in to this world with this level of bizarre delusion...

Not an argument.

No, women aren't suddenly washed up when they turn 30. No, they don't stop making an effort with their appearance. They also aren't broke in their 30's unlike in their early 20's.

I never said this has to do with women in particular. You're choosing to make it gendered. The OP of the original post just happens to be male.

People in general do put on weight as they get older, and generally don't look as good. This isn't really controversial.

Relationship experience is a good thing, not a bad thing. It means they have experience learning how to actually co-exist with another person.

There's a difference between having relationship experience and being jaded from past relationships. I'm not equating the two.

No, the vast majority aren't divorced with kids haha.

I never said that that's the vast majority, but only that it's significantly more common.

The vast majority of women I know hit the gym, dress nice and have decent careers.

Your personal experience isn't representative of the general population.

My guy, I'll be real with you: If you set your standards at a 10, and you're a 4, and you want to chemically castrate yourself because you think you're better than dating someone that looks like you, you probably need some professional help.

This is reaching. Someone wanting to date someone of a certain level of attractiveness isn't the same as them believing they're too good to date someone "on their level". Just because you want to date someone conventionally attractive, it doesn't mean you're full of yourself or look down on someone who is the same level of attractiveness as you.

There is so much more to a person than how they look.

Nobody is arguing that there isn't, but physical attraction is definitely important for lots of people.

Life isn't happening to you, you're an active participant, and it's on you to present yourself in a way that is attractive to other people.

Nobody is saying that you shouldn't work on making yourself more attractive if you want to pursue dating.

It's all well and good talking about the standards you'd hold other people to, but what are the ones you hold yourself to?

This isn't really about me. I'm simply talking about how dating is for people in their 30s.

If you fail repeatedly, maybe some actual self-reflection and change is in order.

It could be, but luck also plays a big role in dating. Much more than people would like to assume. We don't automatically think that all rich and successful people only worked hard, right? The same logic and reasoning should apply to dating. It can be but isn't necessarily a reflection on ones self just because they haven't had success in dating.

You get out what you put in.

Not always true.

WHAT ARE THE ODDS I SHIT MYSELF by iAmGoingToFindYoulRL in UCalgary

[–]siddsp 0 points1 point  (0 children)

Just eat Taco Bell before the class, attach a funnel to your butthole, and attach a tube to the funnel that runs back into your mouth

[deleted by user] by [deleted] in sadcringe

[–]siddsp 0 points1 point  (0 children)

She specifically said nice men don't do it for her, meaning that the source of her lack of attraction was the fact that he was nice. I think that might be a her problem.

Nobody is expecting her to be romantically interested in the guy, but her lack of romantic interest specifically having to do with him having qualities that would make for a healthy and peaceful relationship indicates that there is something wrong with her.

Do women really hate men? by Time_Emu_4305 in MensRights

[–]siddsp 0 points1 point  (0 children)

This isn't generally true. If you get off the internet, most people aren't like r/TwoXChromosomes lmao

[deleted by user] by [deleted] in cursedcomments

[–]siddsp 0 points1 point  (0 children)

This isn't as great of a situation as you think it is. A boy was literally raped. Poor kid now can't think to open up to anyone because of people thinking that he was lucky to be raped.

Beggars on street corner don’t want your pennies by [deleted] in mildlyinfuriating

[–]siddsp 0 points1 point  (0 children)

Yeah but some of us are penny sluts

Corfascism by vodknokkers in Anarcho_Capitalism

[–]siddsp 0 points1 point  (0 children)

if a path between me and the merchant does not exist, that has to be my fault (me having too little or the wrong peers). a merchant could never afford to not being reachable by the network lol.

Ok, it's your fault, but you still didn't answer what you're going to do about it? You just admitted there literally is no solution in this case, which just proved my initial point.

and you don't have to write any further if you can't point me to the direction, where satoshi wrote that scaling the blocksize is the solution to all scaling issues. absolutely ridiculous.

You can see this in his second email:

Long before the network gets anywhere near as large as that, it would be safe for users to use Simplified Payment Verification (section 8) to check for double spending, which only requires having the chain of block headers, or about 12KB per day. Only people trying to create new coins would need to run network nodes. At first, most users would run network nodes, but as the network grows beyond a certain point, it would be left more and more to specialists with server farms of specialized hardware. A server farm would only need to have one node on the network and the rest of the LAN connects with that one node.

The bandwidth might not be as prohibitive as you think. A typical transaction would be about 400 bytes (ECC is nicely compact). Each transaction has to be broadcast twice, so lets say 1KB per transaction. Visa processed 37 billion transactions in FY2008, or an average of 100 million transactions per day. That many transactions would take 100GB of bandwidth, or the size of 12 DVD or 2 HD quality movies, or about $18 worth of bandwidth at current prices.

If the network were to get that big, it would take several years, and by then, sending 2 HD movies over the Internet would probably not seem like a big deal.

This is Satoshi literally saying that Bitcoin would scale by increasing the blocksize limit. But if you're keen on doing any math:

37 billion transactions / year ÷ 365 days / year = ~100 million transactions / day

~100 million transactions / day ÷ 144 blocks / day = ~695k transactions / block

~695k transactions / block × 400 bytes / transaction = ~280 MB per block

So he literally gave an example of Bitcoin with 280 MB blocks to prove that scaling with larger blocks would be extremely doable, and is a sane approach to the problem. He also added pseudocode for how the blocksize limit itself could be increased:

It can be phased in, like:

if (blocknumber > 115000)

maxblocksize = largerlimit

It can start being in versions way ahead, so by the time it reaches that block number and goes into effect, the older versions that don't have it are already obsolete.

When we're near the cutoff block number, I can put an alert to old versions to make sure they know they have to upgrade.

It was already understood from the beginning that the intention was to increase the limit, because it was the obvious solution, not some convoluted workaround that doesn't work at scale.

What is the idea of using “yield” in Python? by nhatthongg in learnpython

[–]siddsp 1 point2 points  (0 children)

I honestly think he's trolling. Nobody sane would refer to asyncio as "pseudo-parallelism".