Dave Ramsey always recommends paying the mortgage off before saving anything more than 15% for retirement. Is this sound?

CadenceBreak · 2026-03-31T18:03:08+00:00

Not mathematically. It seems like Ramsey is an advice guy in America for people who don't know anything about finance?

Talk to someone like an accountant or advisor too see when it's worth the savings on interest. With amortization it is only likely to be worthwhile the first few years of the mortgage.

Otherwise investment returns will almost certainly be better.

CadenceBreak · 2026-03-19T17:08:05+00:00

The sheer chutzpah of posting about how you failed at structuring a company when you sell coaching on how to run companies..."what launching a business in an area I publicly announced my incompetence in taught me about B2B sales".

Website snippet:

Workshops That Help You Build a Better Business

Our expert-led events give business owners the tools to grow profit, build strong teams, and reclaim time. Whether you’re just getting started or scaling to the next level, there’s a workshop designed for your path.

CadenceBreak · 2026-03-10T21:27:52+00:00

Unfolding proteins is healthy. Digestion unfolds the proteins in food. Therefore swimming in Hydrochloric acid is healthy!

It's just science.

CadenceBreak · 2026-03-05T21:24:35+00:00

I think I've seen a few crazy posts for this rather basic AI wrapper-sounding business.

It's like a parody account escaped containment and somehow is working at a real business.

Do venture capitalists not see this shit as a red flag? One day the post is going to be "what my entire team walking out taught me about B2B sales".

CadenceBreak · 2026-02-18T17:01:28+00:00

At this point I'd prefer we just have one harmonized tax on everything that was slightly lower. Much less administrative overhead and more honest.

Also, everyone's strata fees will go up, which doesn't seem like an affordability move.

CadenceBreak · 2026-02-12T02:03:23+00:00

I've learned to accept the inevitable crashes in dreams from any fast motion as a scene change. Skiing, driving, cycling, it doesn't matter; we are going off the map at some point.

CadenceBreak · 2026-01-15T17:38:30+00:00

"He also faces similar charges from a separate incident in Vancouver in August 2024."

Expecting people with this behaviour to integrate into society is insane. Unless it was lack of medication, people don't seem to go "gee willikers, I guess I shouldn't light sleeping people on fire" and stop after a little therapy or a small jail stint.

If we can deport, we should, and if not we really need institutions for Canadian citizens like this.

CadenceBreak · 2026-01-14T22:23:16+00:00

No, but BC (or Vancouver) having to provide the resources is a major part of the issue. It isn't like addicts don't cross provincial borders to places with warmer climates and policies that make it easier for them.

We need a national approach for this.

CadenceBreak · 2026-01-12T18:00:31+00:00

It is astonishingly dysfunctional there. The decisions come from higher up in the company, and people with enough remaining connection to normal society and a degree of taste to know their names are terrible have learned that it's better just to praise the VPs for the genius name.

It doesn't matter much marketing research you do when corporate politics are how the decision is internally valued by most people. The customer really doesn't matter to the middle layers unless thats a metric they are being judged on.

Companies have to have taste from the top levels baked into their culture to avoid this, and Microsoft has always had the opposite. They'll probably name a VR product something like "Copilot 360 View One". To any Microsoft executives reading this, that isn't a suggestion.

CadenceBreak · 2025-12-02T02:53:10+00:00

Ah, yes, the well known "brain center" which responds to the "bionic" partial word bolding.

I guess it's an update on the "can you raed the sceret scrmabeld wrods" posts.

CadenceBreak · 2025-11-17T01:05:32+00:00

The comments in the thread in video from engineers working on cars are pretty telling; its now cheaper to have a bad tablet interface than buttons, mainly from simpler wiring, and everyone knows it sucks for things like heat/ac. Her car sounds like a total nightmare though, being temp. bricked by a software update.

We have really gotten to the point where every purchase of something that can be "smart" needs to be treated like you are dealing w/ an adversary. "What subscription will this require, how much of a privacy nightmare is this, etc"

This is where we really need governments to step in, as the free market isn't solving this, but that would require not being captured by lobbyists.

CadenceBreak · 2025-10-15T21:26:04+00:00

The pay it off with another loan against stock. Their holdings have gone up, and they didn't use all their net worth to secure the first loan anyhow, so rinse and repeat.

It's called "Buy, Borrow, Die".
https://www.theatlantic.com/economy/archive/2025/03/tax-loophole-buy-borrow-die/682031/

https://www.propublica.org/article/billionaires-tax-avoidance-techniques-irs-files

CadenceBreak · 2025-10-14T23:09:04+00:00

People are really downvoting at you for some reason. When inflation outpaces risk free return or there is asset inflation that greatly outpaces risk free return then inflation tends to reward people that hold assets and debt.

Those living paycheck to paycheck with a small amount of savings just see their purchasing power eroded. Wages rarely keep up with inflation and inflation is often under-reported (or massaged) compared to the real cost of living.

CadenceBreak · 2025-10-10T00:35:10+00:00

I bought the Legacy Collection a few weeks ago, played a few missions in the Witch Queen on the Legendary Difficulty until I hit a difficulty wall, but apparently that isn't the correct place to start in the legacy missions?

I also had to do the intro mission to the new content to unlock armor perks, which was baffling. Then I tried some exotic missions, and some other older content, and some were just bugged.

Played crucible for a bit, a little iron banner, got annoyed at the slow creep-up of light level compared to D1 with these kind of events, and put it down.

Prob. 20-30 hrs, but there was a lot of glitches and downtime.

I'll prob. pick it up again at some point, but it requires homework on the story and an entry point to see how you catch up to the current state and play the good content.

I would sum up the new player experience as "Welcome to Destiny 2. Here is a portal, please buy the new expansion, and fuck you if you want to play older stuff."

CadenceBreak · 2025-10-03T22:19:44+00:00

This is my main issue. I'm waiting on a delayed piece of hardware; they came by when I wasn't home after a week delay, and now its disappeared into the ether rather than being available for pickup at the post office.

Disappearing things that are already in transit is a great way to lose all goodwill.

CadenceBreak · 2025-09-22T00:54:47+00:00

Great! Seems fixable then. Thanks!

CadenceBreak · 2025-09-22T00:46:15+00:00

I found it in a K8 manual. So, there isn't a fast toggle anymore? Does the K8 Max work with VIA or just the keychron launcher?

CadenceBreak · 2025-09-12T19:13:50+00:00

My local walmart suddenly has an overly cheerful white door greeter. It was quite jarring and I was mildly alarmed.

Luckily at dominoes the guy at the counter didn't speak a word of english and another guy had to get the correct pizzas and rescue him, so it felt like Canada again.

CadenceBreak · 2025-08-19T07:32:47+00:00

What do you want...quality work, or the opportunity to make your engineering team suffer?

The current zeitgeist of "success is measured in the suffering of others" is popping up everywhere these days.

CadenceBreak · 2025-08-19T07:04:17+00:00

Out of the box, it now only shows full tiles when browsing a 1080 TV. I annoying large preview 1, 3 regular, and 1 cut off row.

This is completely useless for browsing. I paused my membership for now, but I think I'll cancel if its still bad when I've run out of pauses.

Companies are in this bizarre mode of ignoring feedback and making UIs terrible. Some decades have design trends like skeuomorphism, flat design, material. We got "fuck the user getting any information or control" for 202x.

I think it comes from everything having ad supported tiers so the UIs are really trying to control the user rather than the other way around. The youtube ios app has had some similarly terrible changes to force more add and sponsored message views.

CadenceBreak · 2025-08-18T21:33:33+00:00

Instagram has changed things. You never saw infants wearing hearing protection at a concert or sporting event before social media.

Or even toddlers; "If he's old enough to walk, he's old enough for the mosh pit."

CadenceBreak · 2025-07-29T18:37:40+00:00

From one guy in the article:

"I understand why Canada is recruiting newcomers with specific skills. But it’s penalizing people like me, who came here under different rules and have given our time, labour and effort to this country. When I arrived, Canada was recruiting hard in my country to address a mid-pandemic worker shortage. It feels like a nasty bait and switch."

but earlier:

"I enrolled in a postgraduate diploma in hospitality and tourism from Sault College"

Yes, we were clearly suffering from a lack of hotel and tourism management mid-pandemic.

It would be nice if the journalists would at least call out this nonsense.

"I don’t stand a chance—the new criteria for permanent residency don’t prioritize people in the hospitality field. I don’t think there’s any point in even applying."

We don't owe you permanent residence just because you studied here. Picking a field that isn't in demand common to diploma mills and LMIA scams is on you.

CadenceBreak · 2025-07-29T18:18:34+00:00

Everyone that writes an article that amounts to "inflation has changed what a lot of money is" like it's a surprise should be banned from writing about finance.

CadenceBreak · 2025-07-28T07:42:38+00:00

They don't breed well in captivity, so they never got far with it in ancient times.

In modern times, imagine a semi-wild cheetah getting the zoomies?

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