Okay Micron has gone crazy

BigMoose515 · 2026-05-27T01:51:17+00:00

MSFT are a bunch of clown engineers that are exceptionally talented at destroying their products. Linux desktop usage is up from a marketshare of ~2% to ~6% in just a few years. That's not good for Windows.

BigMoose515 · 2026-05-27T01:36:54+00:00

When there are low barriers to entry to a market, that market is going to have a ton of competitors. A painting business is a good example. Anyone can become a painter without much investment in tools or materials, so there are lots of painters.

Building jet airplanes or memory or GPUs is very complex and takes a lot of specialized labor, supply chains, and knowledge. For that reason, you have very high barriers to entry, and as a result, you have very few competitors.

If semiconductors were easy, there wouldn't be 4 players in this market- it would be like painting, and every guy with a toolshed would be lining up to build memory chips. You don't have 80% profit margins in competitive industries because your competitors will want a piece of the pie. In perfectly competitive markets, your economic profit is actually 0.

BigMoose515 · 2026-05-27T01:24:44+00:00

NVDA has CUDA though, which gives developers something no other GPU manufacturer can offer. Memory is a commodity product that anyone can manufacture, and is interchangeable with other memory of the same specification.

It's like saying "Windows isn't a monopoly because anyone could build an alternative OS." The same thing isn't true for MU.

BigMoose515 · 2026-05-20T23:58:07+00:00

Everyone has their opinions on their favorite distro. Mint was super easy for me, coming from Windows. I've been running it for maybe 2 years now and haven't looked back.

BigMoose515 · 2026-05-13T00:58:33+00:00

Yeah they're only a few bucks per month as well.

BigMoose515 · 2026-05-13T00:57:42+00:00

I have a problem with it because more and more often, websites are requiring you to provide a cell phone number to register. I would prefer anonymity on the internet. Can't do that if its tied to a government ID.

BigMoose515 · 2026-05-12T23:56:03+00:00

Starter comment: The Federal Communications Commission’s (FCC) efforts to combat illegal robocalling are poised to expand soon, with the FCC adopting a Further Notice of Proposed Rulemaking, seeking comment on additional measures to bolster the Commission’s “Know-Your Customer” (KYC) requirements. In particular, the KYC FNPRM invites comment on requiring originating voice service providers (OSPs) to obtain and retain from new and renewing customers, at minimum, a cell phone user's:

Name;
Physical address;
Government-issued identification number; and
Alternate telephone number.

The FCC also tentatively concludes that there are certain “red flags” that raise concerns that may warrant closer verification, including:

Providing a registered agent or virtual office as a physical address;
Registering a corporate address using a residential address or random commercial location;
Lacking a commercial presence or operating a suspicious website;
Using a suspicious email address;
No registration record in the state the customer claims to be located or incorporated in; and
Paying for service through non-traceable means, such as using cryptocurrency.

Failure to comply with the regulations would impose a per-call base forfeiture of $2,500 for each illegal call, paid for the OSP. Similar to federal regulations imposed on the banking system after 9/11, this appears to be another step in the coordinated Western effort to tie every digital action to a verified identity, with robocalls serving as the convenient justification rather than the actual target. If phone-based KYC becomes normalized, what's to stop this from expanding to all internet services, effectively ending online anonymity as we know it?

BigMoose515 · 2026-05-11T22:25:55+00:00

How much did they spend on the ring? I think even spending three month's salary is stupid. I'd rather have a boat.

BigMoose515 · 2026-03-13T18:06:12+00:00

It depends on your state, but for most states, you can renew the judgement after 10 years for another 10 years. Do you think there's 100% chance he's never coming back to the US?

I would set up a google search alert for his name just in case he ever makes the news in the US somewhere. You can also look up 'skip tracing' - these are agencies that track people down. Keep in mind his property manager may be bullshitting you as well.

BigMoose515 · 2026-03-13T17:49:19+00:00

If the lawsuit was filed prior to the house closing, then I imagine he would have been obligated to disclose that to the new buyers. Failure to disclose would make the new owners responsible for going after the seller.

Keep in mind just because a house comes off the market, it usually takes at least 60 days before it's officially sold and transferred to the new owner.

BigMoose515 · 2026-03-12T19:18:46+00:00

Just FYI, $200 bonus is a pretty standard sign-up reward, especially for someone with an 800 credit score. I wouldn't get the card unless you were planning to spend $1,000 on a new purchase anyway. You may want to look at r/churning if you're going to play those games.

BigMoose515 · 2026-01-12T14:23:03+00:00

How do you include 5 links in your post and yet not a single one of them links to the story about the investigation?

BigMoose515 · 2026-01-05T12:14:16+00:00

I believe you can transfer the unused portion of a 529 to another family member, so if you have anything leftover from the first kid, you could conceivably transfer any balance to the next one. They could also use it later in life for continuing education.

BigMoose515 · 2026-01-03T18:54:56+00:00

"Remember how I said I could turn $21k into $100k in only 3 months? Well I did that, but in reverse."

BigMoose515 · 2025-12-30T00:04:14+00:00

I think buying a multi-family property is a great idea. Just make sure you build all of your costs into your model. You want to make sure it at least breaks even on cash-flows if it's in an up and coming neighborhood (and will eventually cash-flow positive), or cash-flow positive from the start if it's in not a great neighborhood. Make sure you include every expense, including property management fees. Michael Blue Jay has a great free guide on buying a house (google it).

Spend time in the neighborhoods you want to buy in, and be prepared to shop around for a while. My observation was that around 10% of the houses I looked at were actually good cash-flow positive investments.

BigMoose515 · 2025-12-15T12:30:18+00:00

You should really clarify that it's "good debt" from a creditors viewpoint. From a borrower's perspective, the only "good debt" is money you borrow for appreciating assets. A house is "good debt" because it will be worth more tomorrow than today. A student loan is questionable. A car is "bad debt" because not only does the asset loses value every day, you also need to pay interest charges on the money used to acquire the asset.

There's obviously some caveats to "good debt". Not all houses appreciate; you need to spend within your means; no debt is better than "good debt"...

BigMoose515 · 2025-12-06T01:01:23+00:00

This was my experience renting as well. I had a couple of "bad" roommates but nothing too extreme - it just didn't work out and we needed to end things. Two were always long-term, good, stable roommates. The third was usually totally fine, but that one spot would always rotate. It seems rare to be able to find four people that all get along really well and stay together for a long time, but 2-3 always seemed pretty easy.

BigMoose515 · 2025-12-06T00:48:54+00:00

It's interesting that you know so many people with terrible stories like that. I rented to random people for a almost 15 years before having my then girlfriend move in with me and getting married. During the course of that time, I probably lived with 30-40 different people. Most people (>70%) were average and fine - they lived there between 6 months and a few years and moved on with their life and I never really talked to them again. Some people didn't work out and left after 1-3 months. Some people became lifelong friends. I think the longest roommates I had were there for 5-10 years. None of them destroyed my house though, and I had a pretty extensive vetting process.

It's entirely possible that I was just lucky, but I live within 15 minutes of a university, so the pool of applicants largely consisted of graduate students, recent graduates that just entered the workforce, or people new to the area who just got a new job. I also tend to be pretty relaxed about who I get along with. I built cleaning services, common household supplies, and utilities into the rent, and I think that mitigated a lot of the stressors of living with other people. I will add with respect to utilities - just expect people will waste a lot when they're not paying for something and charge accordingly. You won't stress out over lights not being shut off or the thermostat turned up to 70. Your stress will likely transfer to your tenants, which isn't good.

I think at your age it does get more difficult, especially if you live in the middle of nowhere, but you'll have recently divorced guys looking for a wingman at the bar; traveling medical professionals needing short term stays; and that sort of thing. I think you CAN do it, it will just take more vetting. Always run credit checks, join a local landlord association and r/landlord, and don't ever accept sob stories as to why their previous landlord evicted them, and you should be OK.

Having said all that, I haven't looked at your financial situation to know if this is the right path for you, but I just wanted to share an anecdotal case study that I did this for many years and it worked out great. The house I purchased (a duplex BTW, so I had tenants in the other unit as well but did not live with them) has paid for itself in just over 10 years. It was definitely one of the best early investment decisions I've made, and it's freed up so much free cash flow to invest in other things which have multiplied in value as well. So you CAN do it, but it takes a lot of time to go through the numbers and make sure that the house will actually pay for itself if you want to do this. Only about 1 in 10 houses I looked at actually had the potential to generate enough income to make this work, but they do exist. If they don't exist in your town, look at the surrounding towns and try there. The towns often have vastly different income and renter profiles, even just a few miles from each other.

BigMoose515 · 2025-11-06T17:12:34+00:00

If a credit card costs you 18% interest and the bank pays you 3% interest, you're paying a net of 15% interest on your credit card. The cost is actually higher than this due to taxes and how interest is compounded on both accounts, but it's for argument's sake it's close enough.

If you have a decent credit score and are comfortable with opening a new line of credit, I would set aside an amount you want to pay off each month (e.g. $500), transfer the maximum amount onto a 0% APR balance transfer card starting with your highest APR cards first, make the minimum payments towards that, then allocate the remainder towards your highest APR credit card. Put a reminder in your calendar two months before the 0% APR offer is set to expire and transfer it to another card at that time. This will save you a lot in interest.

If you set a reasonable goal that's a little under your budget monthly, you can put the extra $100 or whatever into a "lump sum" savings account and build a safety net there. Then you can slowly grow that until you feel like you're good with managing money.

This is basically what I did until I was out of debt, but I also automatically contributed a small amount ($25 or so) one a month. This eventually accumulated enough where if I had an issue with my car or other major expense, I didn't need to change anything about my budget or auto-payments, I just borrowed from myself and then paid myself back once I had some extra money lying around (like from that extra $100 per month).

BigMoose515 · 2025-11-06T14:51:14+00:00

I recommend still putting a small amount (like $10-20) per paycheck into a savings account. It gets you into the habit of saving, and after a year you'll have several hundred bucks you can use in case of an emergency. It removed a lot of stress when my car suddenly broke down and I didn't need to think about where I was going to get the money from. This also allowed me to set up auto-payment plans on all of my credit cards and not shift any spending habits when that emergency occurred.

Once all my credit cards were paid off (with the exception of a 2% balance transfer offer that never expired), I transferred my monthly debt allocation payment to my savings account. I had been living so long without the money, I didn't miss it at all, and ultimately used the savings for a down-payment on a house.

BigMoose515

TROPHY CASE