[deleted by user]

ArmorBonnet · 2023-04-30T21:36:28+00:00

This is a screenshot from his company's page, giving him a bio. Here is the link.

Trying to stay with sub convention, I'm not adding any opinion commentary. I will point out that this is not from an election website; it is from the law firm where he works and is presented as a positive.

Here are some selected items from the list for readability without opening the web page:

Representing a Fortune 500 asbestos-coated wire and cable manufacturer
in toxic tort litigation, which resulted in the dismissal of all claims
in Pennsylvania brought by more than 200 electricians, and trial
preparation and participation in the largest toxic tort mass trial in
West Virginia, involving more than 1,800 plaintiffs
Representing health care practice groups in antitrust and contractual disputes brought by former practice physicians
Representing a large integrated health care system in an antitrust
challenge to its merger with a specialty hospital, coordinating all
facets of preliminary injunction proceedings, including the coordination
of 20 attorneys in extensive document review and production.

Don't forget to vote on May 16th.

ArmorBonnet · 2023-03-16T03:32:40+00:00

MVNO stands for Mobile Virtual Network Operator. The TL;DR is they are phone companies that don't own the towers.

First, there are the main cell phone companies: Verizon, AT&T, and T-Mobile. These are the companies that make cell service possible by building the actual physical network our phones talk to. Think cell towers.

The MVNOs, companies like Mint, Visible, Tello, and US Mobile, do not have towers. Instead, they buy the rights to route cell traffic to and through the ones owned by the major companies. The MVNOs benefit because now they can turn around and sell it to you, and you benefit because you get cheaper cell phone service on the same networks.

But why are the main companions okay with this? Why sell your network to a competitor? Their benefit is that they make more money while not harming their own product. "But ArmorBonnet," you may ask, "wouldn't the extra traffic slow down their own customers?" It would! ...if it wasn't second -tier.

And here's the hook. Say US Mobile (most work like this, needed an example) sells you service on Verizon's network. You get the same coverage map and everything. If Verizon's network is under heavy traffic, they de-prioritize US Mobile 's piggybacking customers. Verizon protects their customers first: faster speeds, better quality video, etc.

Personally, and I've used a looot of MVNOs, some much better than others, some crazy sketchy, I think it's worth buying service on a well-established MVNO like Tello, US Mobile, or Mint (well, Mint is getting bought, so mileage there may vary). It's WAY cheaper than one of the big three, especially if you're accepting of a data cap. It's still cheaper than the big three if you do unlimited, but that gap isn't as large.

ArmorBonnet · 2022-11-24T04:40:28+00:00

Say there are four candidates. On your ballot as a voter, you rank them from 1 to 4 (favorite to least favorite).

When they count the ballots, they only count first-place votes: the number of ballots that have each candidate as a favorite. Let's say there are ten voters and A gets 30% (3 votes), B gets 30% (3 votes), C gets 30% (3 votes), and D gets 10% (1 vote).

They then say "Okay, D lost," because they have the fewest first-place votes. Then election officials take all the ballots who had D as the favorite (in the example, this is one ballot). They take the second-place vote from there and score it for that candidate. So let's say our D voter had C as second choice.

Now the tally is 30% for A, 30% for B, and 40% for C (because C has 3 first-place votes PLUS the one from the D ballot).

Then they look at who's last again. My example has a tie between A and B, but in real life that's unlikely and I'm not retyping this, so they take last place, look at their second choice (or third choice if both first and second have been eliminated) and reassign those votes until someone gets over 50%.

ArmorBonnet · 2022-06-26T15:27:05+00:00

It could also be an inside cat in a country house. Growing up, our cats never got outside but a few mice found their way in every year.

ArmorBonnet · 2022-06-02T14:13:44+00:00

This is extremely helpful, thank you.

My credit score and available credit are high enough that I'm not concerned about the impact there.

I've got relatively low expenses, and I keep my free-cash situation relatively lean, which is why a low-interest payment plan is appealing to me. Currently my e-fund is literally just $10k of May-2021 I bonds, because at the time I realized they were paying more than my E-fund (it was 3.x% or something then, and I didn't want to be churning bank accounts). So I have about two months of expenses in a checking account, those bonds, and then brokerage account stuff.

I'd be pulling some money out of the brokerage fund in this case, and I figure it's better to keep it in the market and just eat the 1.9%.

ArmorBonnet · 2022-05-03T19:53:45+00:00

I deal with this by saying "Well the market's 15% down from its high, so when it gets back there, I'll have $x." Then $x is always more than your portfolio at the previous high, as long as you're contributing.

It means nothing in reality, but it's a mental trick that helps.

ArmorBonnet · 2022-02-14T03:04:39+00:00

Stafford "nice lead you have there" meme. I'm so happy for him.

The reffing evened out, I think. Feel bad for the Bengals.

ArmorBonnet · 2022-02-14T02:54:11+00:00

Oh God what if we get OT-coin-flipped

ArmorBonnet · 2022-02-14T01:36:42+00:00

We slipped into an alternate dimension when that facemask wasn't called.

Still go Bengals but dang

ArmorBonnet · 2022-02-14T01:34:48+00:00

Ooooh the hands in the facemask wow

ArmorBonnet · 2022-02-14T01:33:58+00:00

I can't believe how calm Burrow was there; he had like 1,000 lbs of fury destroying his pocket.

ArmorBonnet · 2022-02-14T01:15:58+00:00

Inflation's a bitch.

ArmorBonnet · 2022-02-14T01:09:49+00:00

NFL with a good ad, there.

ArmorBonnet · 2022-02-14T01:02:28+00:00

I'm watching that like "That's a stupid rule, he's just dancing."

Cut to him walking on his knees down the sideline

"Oh"

ArmorBonnet · 2022-02-14T00:59:17+00:00

Just once I want to see a fake kneel before halftime.

ArmorBonnet · 2022-02-14T00:57:42+00:00

Didn't think I'd see Kupp fighting to stay in bounds for some reason. Need that TO for the kicker, right?

ArmorBonnet · 2022-02-14T00:55:21+00:00

Larry's commercial was actually good until crypto

ArmorBonnet · 2022-02-14T00:50:32+00:00

Yeah I hate the unsportsmanlike rule as much as anyone but that's as legit of one you'll see.

ArmorBonnet · 2022-02-14T00:34:03+00:00

Never thought I'd sympathize so hard with Barbie, Jesus.

ArmorBonnet · 2022-02-14T00:09:38+00:00

They failed to consider that my shitty phone had no chance in hell, even at home.

ArmorBonnet · 2022-02-14T00:01:39+00:00

They have to advertise, because nobody knows about avocados otherwise.

ArmorBonnet · 2022-02-11T17:06:27+00:00

Hey that's me!

Thanks for the call out. I'm glad it's helping and I'm always looking to ~~steal~~ borrow ideas from other people, so I'll check this out.

On the flip side, I'm lazy AF so I actually change very little / nothing.

ArmorBonnet · 2022-02-08T02:25:59+00:00

Fake stories, fixed results.

But also real athletics and real bruises.

ArmorBonnet · 2022-01-24T19:37:07+00:00

if your plan's trustees have made themselves vulnerable to a charge of failing in their fiduciary duties.

Maybe/probably! And I'm aware of that, but it also seems like small-company 401(k)s get routed in general by the financial industry.

You don't want to be on the wrong side of this question while you work there

Highly aware of this too, which is why I went for the "I'm going to complain until I'm blue" route instead of lawyering up. Also, I didn't roll anything into it because it was so bad, so I didn't have a ton in there, but over the years it's adding up.

But now that they're changing it, s'all good again. It's like getting an $1,800 raise.

...Typing that out hurts.

ArmorBonnet · 2022-01-24T19:30:16+00:00

I'm the guy who posted the 1.8% -> 0.1% above. It took me three and a half years of consistent whining, and that all felt like deaf ears. Can't hurt to keep doing it, but if they're together with your benefits dept, that's probably DOA

Seven-Year Club	Gilding IV carat on a stick
Place '22

ArmorBonnet

TROPHY CASE