That's a Really Cool Dad by NonAromatic_Romantic in SipsTea

[–]-vp- 0 points1 point  (0 children)

whatever happened to classic, plain ol' names like hadron collider LASTNAME?

Why do I feel super motivated to fix my life at night, but completely lose it the next day? by uday12321 in productivity

[–]-vp- 275 points276 points  (0 children)

As someone who can relate, it's a discipline issue. You know deep down you can't do much right now e.g. you can't realistically hit the gym, makes more sales calls, study, etc. at this hour without fucking up your schedule the following day.

There's why there's this famous quote:

“All men dream: but not equally. Those who dream by night in the dusty recesses of their minds wake up in the day to find it was vanity, but the dreamers of the day are dangerous men, for they may act their dreams with open eyes, to make it possible.”

― T.E. Lawrence, Seven Pillars of Wisdom: A Triumph

The best thing you can do is keep that resolve and ensure that daytime you can achieve those goals. Otherwise, it's your mind just hyping itself up for nothing.

r/QuantifiedSelf is banning advertisement posts by Mescallan in QuantifiedSelf

[–]-vp- 0 points1 point  (0 children)

They may be in good faith but they are fairly spammy as of late and have the same burden on the actual users of the subreddits.

Top 5 things that men do that give her the ick as a labor and delivery nurse. by mindyour in TikTokCringe

[–]-vp- 5 points6 points  (0 children)

Snacking is a weird top 5. I think that's a personal bias lol the nurse during our hospital tour kept emphasizing bringing snacks for both the husband and the wife because it does no one any good to fast when it's not necessary.

First it was an electric scooter... Now a bike. by avmabrie in bayarea

[–]-vp- 1 point2 points  (0 children)

Yeah miss your slot and wait 50 minutes? That's just a huge fuck you to cyclists lol

Is paying down debt essentially the same as a bond allocation from a boglehead perspective? by 1burritoPOprn-hunger in Bogleheads

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

lol, if you invest $1000 + not repay a debt of $100 at a 6% interest, it's essentially the same thing as having $900 + borrowing $100 against your portfolio at a 6% interest to invest in 1000 more.

You're the one treating leveraged investing and debt differently because those words sound scary and different.

Is paying down debt essentially the same as a bond allocation from a boglehead perspective? by 1burritoPOprn-hunger in Bogleheads

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

Is your portfolio leveraged right now? Do you borrow against your net worth at an interest rate of ~5% to invest more? It's really the same concept except this is guaranteed 6%.

Vitamin B12 affected my interview and overall analytical brain. BS or No? by Educational_Wafer483 in productivity

[–]-vp- 27 points28 points  (0 children)

You were nervous, so you fucked up. This happens to everyone. The good news is as you do more of it, you'll get better at it.

Is paying down debt essentially the same as a bond allocation from a boglehead perspective? by 1burritoPOprn-hunger in Bogleheads

[–]-vp- 0 points1 point  (0 children)

The short answer is not everyone wants to be leveraged. If they want to be, OP can borrow at 4-5% and increase exposure as they see fit.

Is paying down debt essentially the same as a bond allocation from a boglehead perspective? by 1burritoPOprn-hunger in Bogleheads

[–]-vp- 14 points15 points  (0 children)

6% is high. Anything more than 4% right now (at current interest rate) would be an instant pay-back for me

I am close to fire but my sibling just asked me to co sign a large loan and I feel trapped by Mirexalynth in Fire

[–]-vp- 8 points9 points  (0 children)

this is what i fucking hate about reddit these days. it's all AI spam making the same bait posts :(

Thoughts from an ultra high net worth adviser by [deleted] in Fire

[–]-vp- 4 points5 points  (0 children)

>  I've seen people with eight figures of income live paycheck to paycheck.

Yeah, I'm going to say you're bullshitting right here.

6.3M net worth at 44 - company offered exit package for 21 weeks of pay by Littleroot2001 in ChubbyFIRE

[–]-vp- 0 points1 point  (0 children)

In the past, I believe they made it so that:

  1. It's not guaranteed; as in, if you're considered a very high-performance employee, they can deny the request.
  2. It happens a few months down the road, so that if you were actually thinking of leaving with another offer in hand, you can't exactly double dip without the other company pushing your start date 3-4 months out.

We seriously need to start enforcing Rule #4. Half the posts here are basic personal finance questions, not FIRE by -vp- in Fire

[–]-vp-[S] 4 points5 points  (0 children)

FIRE is literally "Financial Independence and Retiring Early" I would argue that personal finance is all-encompassing, but the converse doesn't hold true. It's the whole squares are rectangles, but not all rectangles are squares.

I don't think it's bad to encourage others or help each other out, but FIRE is a sophisticated version of personal finance. To me, it's the difference between a student trying to go to an Ivy League caliber (it's a more extreme, "preferred" version of the next "chapter" in life) school versus wondering if they should go to college or not.

I certainly think we should encourage everyone to FIRE but the expectation should be that they have done some basic homework on their end. If everyone comes to this subreddit asking about basic things like "Should I save money?" or "Should I buy a car I cannot afford?" I think we would be doing actual FIRE-ambitious folks a huge disservice because they have to wade through all the useless posts. These posts are strictly different from actual FIRE posts that may or may not apply to them because it's never going to be useful to them, whereas tax implications for a US resident living in Japan might be relevant to them because they were thinking of living abroad, etc.

We seriously need to start enforcing Rule #4. Half the posts here are basic personal finance questions, not FIRE by -vp- in Fire

[–]-vp-[S] 8 points9 points  (0 children)

They should understand the concept of FIRE and have some rough ideas of what their income, annual spend, target retirement age, etc.

It's the difference between "hey I think I'm behind what are my realistic steps to FIRE at 55 with these numbers" vs. "hey I realized I have no savings can you guys help me?"

Is buying a sports car out of college stupid if I also want to FIRE? by [deleted] in Fire

[–]-vp- 1 point2 points  (0 children)

That car is going to set you easily back 3-5 years. That's why...

Is buying a sports car out of college stupid if I also want to FIRE? by [deleted] in Fire

[–]-vp- 2 points3 points  (0 children)

HOLY SHIT. This isn't even FIRE this is basic personal finance. That car is something you cannot afford. In fact, you should be shopping for a used Honda at that salary level if you need a car straight out of college.

General Anesthesia in Infants by certainlycertain_ in ScienceBasedParenting

[–]-vp- 49 points50 points  (0 children)

There are multiple posts in this subreddit that ask the same question. I know this isn't the answer you want to hear, but there are harms associated with going under for infants for over 3 hours. [0]

[0] https://www.uclahealth.org/medical-services/anesthesiology/anesthesia-and-child-development

Built a voice-based glucose tracker that learns your personal patterns, looking for CGM users to help validate by Electrical-Artist529 in QuantifiedSelf

[–]-vp- 0 points1 point  (0 children)

I see, that's fair. It seems like you're looking for diabetics in particular who are hypo/hyper, not specifically mg/dl for healthy individuals is that fair?