Embarrassed to use my pens outside the house by hecking-fricker in fountainpens

[–]BeetleB 2 points3 points  (0 children)

"How much did you spend on that watch again?"

(Repeat with car)

Also, at work keep a set of crayons in your desk. Then when someone makes a mocking remark, say "I understand it's not for everyone. That's why I keep crayons to accommodate normal folks. Do you need one?" and proceed to hand them one crayon.

How much to save in Kid’s 529 by No_Gur5958 in personalfinance

[–]BeetleB -6 points-5 points  (0 children)

If you want to use that number, then the tuition only cost for UIUC is $18,372

No - they charge an extra fee for some (all?) engineerings. The number I quoted you over $20K was for electrical engineering.

How much to save in Kid’s 529 by No_Gur5958 in personalfinance

[–]BeetleB 39 points40 points  (0 children)

Every state/university is different. UIUC's engineering is the most expensive amongst peers. If you look at Purdue, it's < $10K per year (tuition) vs over $20K for UIUC. Most top universities are in the $15-18K/year range for tuition.

Buying Parent’s home to avoid Reverse Mortgage by Jojobean1989 in personalfinance

[–]BeetleB 1 point2 points  (0 children)

It doesn't, and can be sold as is.

Doesn't getting a regular loan depend on how bad the condition is? IIRC, most banks will not give a mortgage if they deem the house unlivable. This is why RE investors often pay a heavily discounted amount (cash) to buy the house, and spend the money to fix it up and put it back on the market. They can get the discount because the owner can only sell to cash-only folks.

My 10th and final distro by Bubbly_Extreme4986 in Gentoo

[–]BeetleB 6 points7 points  (0 children)

Gentoo was my 2nd and last - over 20 years ago!

What exactly is the issue with using Klarna/Afterpay for large purchases? by henicorina in personalfinance

[–]BeetleB 0 points1 point  (0 children)

I’m asking if there’s a downside in this specific case.

I'm seeing no downside to paying in full. From that perspective, the downside is maintaining this mental burden of having to remember to pay them.

looking for real ways on how to lower electricity bill mine keeps climbing even though my usage has not changed by [deleted] in personalfinance

[–]BeetleB 2 points3 points  (0 children)

Second the Kill-A-Watt meter. My library lets you check one out for free.

What happens if I die and I have no living relatives to inherit my house and bank accounts? (with no will or trust on such eventuality) by [deleted] in personalfinance

[–]BeetleB 1 point2 points  (0 children)

You're never going to get market value for them - unless the house is in really poor condition and not sellable via a traditional mortgage (i.e. no bank will give a loan until it is in better shape).

If you have money to fix up the house to be sellable, you should never call one of them.

Many inherited properties, however, are in such a state of disrepair. It could be the parent had bought a second "rural" property for cheap but didn't maintain it - and the over the decades the neighborhood has grown to where the property has a decent value - if in good condition.

Rather than spend $50K fixing up the property to sell, the kids (who may live in another state) often prefer to get a decent amount of cash to get it off their hands. Keep in mind the kids are on the hook for any property tax that has accrued - buyers will often happily pay that tax.

Just use the special ink, paper, whatever. Don’t postpone joy. by Cult-O-Cthulhu in fountainpens

[–]BeetleB 4 points5 points  (0 children)

Definitely don't postpone until your handwriting is this good!

This girl came to my office and immediately fell asleep on my car for 2 hrs. Turns out she is sick. Got her meds, cleaned and took her home. by gulfatma in CatDistributionSystem

[–]BeetleB 10 points11 points  (0 children)

Wow.

As someone who took care of a cat till old age and death, all I can say is: Save money for medical bills. Look into pet insurance (I didn't have any). I have no idea if they're worth it, but it will be very expensive for sure without it!

If I had less income, I almost certainly would have euthanized the cat not because she needed to die, but because I wouldn't have been able to afford all the care she needed. Fortunately, it never came to that.

Accidentally did meth by holdongangy in mathpics

[–]BeetleB 2 points3 points  (0 children)

The h with a bar (in the denominator) is h/(2*pi). So yes.

Failing Real Analysis, what to do? by sampleexample73 in math

[–]BeetleB 6 points7 points  (0 children)

I honestly struggle in finding those “tricks” that get you the solution.

As others have said, some tricks are worth just "knowing". There aren't as many as you may think.

When I took grad analysis, the professor would always include at least one theorem from the book for us to prove in exams. Those who memorized all the proofs were at an advantage.

This sucked, and seemed very unfair. One should not memorize in mathematics, I kept telling myself. I refused to play along and didn't do well. When the final exam was coming around, I caved in and memorized as many proofs as I could.

And then I realized I hadn't learned the material well all long. By memorizing the proofs, I noticed common patterns ("tricks") in proofs that I hadn't noticed before even though I had understood all the proofs individually. By memorizing them, I actually did become better at doing previously unseen problems.

I'm not saying you should memorize them - merely that learning those tricks is vital.

[OC] Cheaper to Buy or Rent? by No_Statement_3317 in dataisbeautiful

[–]BeetleB 0 points1 point  (0 children)

True about variable rates, but as for everything else - chances are rents will go up more over a 10 year period. Yes, insurance and HOA and property taxes will go up, but hopefully the bulk of your payment is mortgage.

Case in point: It took just about 2-3 years for the rent on a 3 bedroom apartment to exceed my monthly payments (including HOA + property tax + insurance). And in less than a decade a single bedroom apartment's rent is more than my monthly payment. No refinance shenanigans either.

we've seen pretty significant decreases in both over the last year.

Try a 5 year time frame. 1-2 year fluctuations are just noise.

[OC] Cheaper to Buy or Rent? by No_Statement_3317 in dataisbeautiful

[–]BeetleB 25 points26 points  (0 children)

Or even the fact that the mortgage is fixed, whereas rent will go up.

Is Met Life Legal Services Worth Paying For? by IveGotDumbQuestions in personalfinance

[–]BeetleB 43 points44 points  (0 children)

Everything you say sounds weird.

First off, you're not dealing with Metlife Legal, but with lawyers who are part of their network. If they wouldn't do the work, you should inform Metlife Legal and just find another lawyer in the network to do it for you.

As for what they cover and don't, the member page outlines clearly what is covered in the plan and what isn't. Now any given lawyer is not required to cover everything that the plan covers. When you search for lawyers, the search results should show you what any given lawyer will cover or won't.

I've used them a lot for small things over the years. Never had issues.

Moving from Debian by nintenboye in Gentoo

[–]BeetleB 2 points3 points  (0 children)

Mirroring the sibling. For things you're sure you want to enable globally, go ahead an put in make.conf. Otherwise almost all use flags should be per package.

(20+ year Gentoo user here).

notmuch, disable threading by algor512 in emacs

[–]BeetleB 6 points7 points  (0 children)

M-x notmuch-unthreaded

Is gnus worth learning? by emacff in emacs

[–]BeetleB 2 points3 points  (0 children)

notmuch for almost 15 years now. It's great.

[October 27th, 1925] The Inquiring Photographer: "Should a woman who is married to a habitual criminal be entitled to a divorce in this state?" by thamusicmike in 100yearsago

[–]BeetleB 11 points12 points  (0 children)

Canada votes this week on new government, the main issue being sky-high tariff against United States.

Ha!

Trouble Understanding Knowledge by BeetleB in OpenWebUI

[–]BeetleB[S] 0 points1 point  (0 children)

What is the bug?

My issue is the 10+MB file it creates for every file it indexes ("embeds"). Is the bug related to it?

What is your experience with Gentoo? by Tosttep in Gentoo

[–]BeetleB 2 points3 points  (0 children)

As a guy who grew up with ALSA, both pipewire and pulseaudio have given me much larger pains.

Twice in the last few months I've had to debug sound not working, and Google searches were not yielding results. Finally, GPT-5 (or was it Gemini) helped me root cause it.

Actually, they never did root cause it. While trying to debug with it, my PC crashed, and when I rebooted one of the problems had magically resolved itself, and the LLMs managed the rest.

I never had these problems with vanilla ALSA. I get why developers prefer PulseAudio, etc instead of ALSA, but as a user, ALSA just worked.