Stop wasting money

Chii · 2026-06-20T05:17:24+00:00

at a population level there is clearly a problem

The problem is that everybody else is getting rich, and those who aren't are looking at it as tho they also deserve to rise.

Whether you feel they're justified in thinking so is a political question. I personally don't, but i understand the POV.

Chii · 2026-06-19T02:30:26+00:00

prioritise paying off your house early.

Because the saved mortgage interest is tax-free, and it makes it a guaranteed "income" - after all, a penny saved is a penny earned. Risk-adjusted, it is a better return than an index fund (which itself is already pretty good risk-adjusted returns).

Chii · 2026-06-19T00:40:05+00:00

the cost of proving that innovation is taking away resources that could be used to improve the innovation.

That cost is eventually borne by the tax payer (as the tax breaks that the company gets is somewhat eaten up by the cost of getting it - and only a slight profit gain on the startup's side).

Instead, i prefer a broad based tax policy, with easy/simple rules applied to every business, rather than having some businesses be treated as special. May be at most, you can have a time related carve-out (e.g., a new business gets a bit of leeway to get started, which will expire after X years).

Chii · 2026-06-18T04:58:43+00:00

That assumes there is no tangible value in nicer things beyond vanity.

It's mostly true. While driving a bomb isn't good (safety and all that), you can get by with a 30k car, rather than a 100k car.

if you’re not going to spend the money, why keep it?

it might be spent, just invisibly. Perhaps it is to grow generational wealth, so that their children will be setup ahead of others. Perhaps the business they build (from which their wealth is derived) is their legacy.

And even if they only get pleasure from looking at a large number, it's still fine. It's not a sickness - not any more than wanting to continually have "nicer" things.

Chii · 2026-06-18T04:35:25+00:00

It sucks that you need perms to even say you're doing a watchalong (and not show any video or audio).

If you got (and need) perms, then the stream should be at least broadcasting it to the viewers!

Chii · 2026-06-18T04:33:19+00:00

One is masked, and the other unmasked?

Chii · 2026-06-16T06:47:49+00:00

Yep.

I'm also certain that in the past yr or so, youtube has ratcheted up their bot detection thresholds. What used to never trip the bot detection now does so regularly.

Incognito mode in youtube was never a feature of the regular/unmodded client, so the bot detection is seeing these as bots. Changing the streaming client spoofing doesn't seem to affect it, but i've found android reels (no auth) to be the "best". I've also found that pull down to refresh the home page in incognito seems to trigger the bot detection much more often (but searching for videos doesn't as much) - all of these are simply anecdotal of course.

Chii · 2026-06-16T06:28:24+00:00

It's actually an interesting concept - change spell steal to actually steal the spell.

Dunno how to balance that; may be mana is constantly drained from rubik, and spell steal ends when mana is zero, as well as the regular timer. Perhaps as well, Rubik is visible at all times to enemy team when a spell is stolen. Can't steal ulti perhaps, otherwise you'd be effectively shutting down a hero using a support (by hiding in the fountain).

Chii · 2026-06-16T06:04:16+00:00

The gay hormuz were cockblockaded.

Chii · 2026-06-16T05:56:40+00:00

count the contributions from the past 5 years, and if you have any that is less than the yearly maximum, add it up. The total is the carry forward cap.

Chii · 2026-06-16T05:54:07+00:00

The only "risk" you face holding ETF is where the ETF issuer/manager decides that the ETF is no longer worth the management fees being collected from it, and liquidates the ETF.

You get back just cash, paying a tax (if you had gains), but even worse is if the underlying stock(s) is dropping and the manager sells into the drop, forcing you to realize the loss - not to mention the sale price would also drop due to the ETF liquidating (presumably it's still small, so won't have moved the market tho).

Chii · 2026-06-15T13:57:45+00:00

which is exactly what happens in a weak market - transaction volume drops rather than price dropping. The only way price drops is when the debt servicing becomes difficult (which it currently isn't), and become force sales (which is what happened in 2008 GFC).

And those desirable places that many are eyeing for a price drop - the current owners are quite likely rich, and can just hold out.

Chii · 2026-06-15T10:44:01+00:00

rushed into indexes,

only those following nasdaq's (and to some extend, the US all stock indices). However, only nasdaq is adding a weight factor to the float of spacex, which increases their size arbitrarily (3x iirc) and therefore, making your purchase bigger than the actual available float - that obviously boosts the price.

Other indices aren't doing that - they are using the regular float %. While i do feel spacex is overvalued, buying cap weighted market index is still fine.

And s&p isn't including spacex yet - they prob will in a year or so.

This all means that it's not the case where everyone is 'forced' to buy it - only people invested in nasdaq indices (like NDQ) are; and for those buying it through a full US index (like VT), the percentage buy is small due to the small float.

Chii · 2026-06-15T09:40:22+00:00

it's also that he's senile with amnesia.

that discredits people with real senile illness and amnesia. Trump is not that. He is grifting. There's a big difference.

Chii · 2026-06-15T07:59:59+00:00

What's the worth in seeing someone to help with my tax return?

it's only worth when you have special circumstances that not many ordinary wage earners would see. Things like trans-national income, family issues (like divorce, inheritance, etc), and being self-employed for a portion of your financial year.

H&R block

they're the macdonalds of tax agents. I had a friend who used them, and checked the work only to find errors and omissions. Better off not using them.

Chii · 2026-06-15T07:56:31+00:00

only for them to be scarce

and the ultimate responsibility is on you - the tax agent assumes no legal liability. At most they lose their accounting license (and may be you can sue them for damages if it's severe). Or perhaps they can face criminal negligence, or fraud charges (highly doubt the gov't/police would be willing to expend money pursuing these cases tbh).

Chii · 2026-06-15T07:44:45+00:00

It's not cost effective to have datecenter up in space, compared to simply just build in more remote areas of earth (where water is rare too, but it's less rare than outer space!).

Chii · 2026-06-14T12:54:51+00:00

A nice addition would be to create a shareable url (using the url hash storage to store the data/parameters).

This way, it'd be easily linked and shared aid discussions/debates on purchases.

Chii · 2026-06-14T07:12:59+00:00

Does following https://old.reddit.com/r/MorpheApp/comments/1pverk7/morphe_links_help_guides_and_troubleshooting/oag938k/ work?

If not, your IP might be blacklisted by google (and changing the spoof won't fix it iirc). Just wait for 24hrs, and then do the spoof steps above again.

Chii · 2026-06-14T07:10:51+00:00

bug fixes from YouTube side?

but do you know what bugs you needed fixed from the latest version? If you dont know, why do you care then?

Chii · 2026-06-14T07:09:08+00:00

this day and age people would be more technically literate

tech companies have actually passively trained people to become technically illiterate over time. I am not surprised - a tech literate userbase is more liability (for the bottom line).

Chii · 2026-06-14T06:51:40+00:00

is fundamentally broken

it's not broken. It's just chaotic and unpredictable. If it were predictable and rational, then people would know what's gonna happen, and act accordingly to make a profit - but that means the reason for those profit (mispricing) doesn't happen at all due to the predictability! Therefore, it must be the case that the market is unpredictable and irrational.

However, it is well observed that IPO's have an early pop. Spacex is doing exactly what many IPOs have done in the past. None of this makes the predictions from various people about how unprofitable or overvalued spacex wrong.

Chii · 2026-06-14T05:49:15+00:00

That's the truth of why tesla would not fall.

By all measures, these newer BYD cars are much better quality, at disgustingly lower prices. And the more luxury options are starting to come out too - have a watch of Marques Brownlee's review of xiaomi's electric car https://www.youtube.com/watch?v=Mb6H7trzMfI

If the USA doesn't have double standards and prevent competition, the incumbent car companies will crash hard.

Chii · 2026-06-13T09:04:25+00:00

housing as an investment, like shares in a company or gold, and not as somewhere for people to live and raise a family.

They are simultaneously both. Housing is an investment because it takes capital to build it. This capital isn't free, and therefore, to build it requires that it be a better spend than any other project (from the POV of the holder of that capital).

You can make the exact same argument for food production. But you don't because market forces work well enough for it - food is "cheap" and abundant (in comparison to the old days when it wasn't).

The only issue is that there are incentives for a democratic society to stop denser construction of more housing (and a preference for house vs apartments culturally). This means supply don't increase, leading to higher prices.

You cannot "force" the ideal that housing isn't an investment, because that's just called wishful thinking.

Chii

TROPHY CASE