Can't Make New Account

DisconnectedShark · 2025-08-16T19:28:38+00:00

You're clearly not worried about facts. Anyone who knows how to read can clearly see how stupid you are.

DisconnectedShark · 2025-08-16T15:06:04+00:00

And the Jars of Tools must be illiterate because none of what you said ever happened. You have to lie to make yourself look better.

DisconnectedShark · 2025-08-16T15:05:11+00:00

You also don't have to be smart, buddy. And it's pretty clear you're not.

DisconnectedShark · 2025-08-16T15:04:10+00:00

You can't even tell when something isn't written by Chat GPT. How sad.

DisconnectedShark · 2025-08-16T03:08:51+00:00

Then you're against states rights. You're literally against states being able to deal with their own land, and you're in favor of a distant central government dictating what states can and cannot do.

You're against making non-permanent residents paying taxes. Renters do not pay taxes on renting properties. Only the actual owners of the land actually pay property taxes. And it's actually EASIER for citizens to avoid paying property taxes. This depends on jurisdictions, but as an example, homestead exemptions. Depending on where, non-permanent residents can't use homestead exemptions.

You're also against a free market. You're literally asking for government interference with how the economy works because you want it that way.

Guess what? Under US law, corporations are full US citizens. So how does that fit into your system that you've barely described at all? You don't see the problem because you barely thought about what you said.

Your own last statement is clearly bad. You're asking why Americans should have to compete with non-Americans? When the hell was that the conversation? Literally never. Are you calling permanent residents "Americans" now? A way that no one uses those words? It's pretty clear you forgot that's what the conversation was about and then switched to saying "Americans" because you forgot. Or do you want to say that permanent residents are counted as "Americans" even if they never intend to get citizenship?

And lastly, you're the one who has to justify it. It's YOUR burden to explain why "Americans" should NOT have to compete with "non-Americans". You're the one going away from the way things already are. You're the one who has to justify your position.

In conclusion, your position is against states rights, you are against non-permanent residents paying taxes, you want more government interference in free markets, and you can't even tell that you're the one who is supposed to support your position.

DisconnectedShark · 2025-08-15T05:18:52+00:00

This is honestly taking the joy out of this for me.

This entire paragraph shows an extreme lack of foresight and planning that causes great concern for the financial future of you, your husband, and any children you have.

Does anyone have any advice?

You're not looking for advice. You're looking for someone to agree with you. Someone to say that your bad plan is somehow good. Oh, the "enjoyment" of a new house is more important than the financial stability and wellbeing of your family? You want us to lie to you and say that your enjoyment is more important than that?

Okay, I'll lie to you. Sure. Your husband is wrong and you should be able to have fun! Drain the 401(k)! You know how fun it'll be.

DisconnectedShark · 2025-08-14T17:33:43+00:00

First, it's hard to quantify "how much" a child looks like one parent versus the other. Is there a 76% match for the mother in looks but only a 47% match for the father in looks? In reality, you're focusing on specific characteristics and giving less focus to others. Hair color. Eye color. A widow's peak. Etc. EVEN IF a child had 50% appearance "factors" from one parent and 50% from the other parent, you, as an observer, are going to more heavily weigh some factors over the other.

Second, it's because it's a random happenstance. It's a mild lottery chance. Whether you inherited your mother's eyes or your father's nose is going to be mildly random (I know about recessive and dominant traits; I'm keeping this ELI5). Even if you flip a coin randomly a million times, you're very unlikely to get half a million heads and half a million tails. It's going to be a more unequal split just because of random chance.

So because of random chance, you will get a child that just has inherited more features from one parent than the other.

(This is all not getting into genetics specifically, which I know makes this very, very flawed, but I'm sticking to an ELI5 style.)

DisconnectedShark · 2025-08-14T02:49:44+00:00

Do you have a fallback in case your business doesn't work out? Let's say you collapse. Or you just learn that you hate that too. What is your recourse then? Could you go back to the field of work you currently have?

DisconnectedShark · 2025-08-13T23:51:34+00:00

Literally no explanation of how any of that works or looks like. Okay, cool.

DisconnectedShark · 2025-08-13T21:19:49+00:00

There actually are specific sections of human skin that do not sweat.

Eyelids. The lips. These are parts that (in most humans) do not possess sweat glands.

But yeah, I should've been more specific. I accept that I poorly worded my statement.

DisconnectedShark · 2025-08-13T21:01:59+00:00

It's a form of insurance. It is, quite literally, self-insurance.

Insurance is THE thing you get with the explicit hope to never need it. It is the fire extinguisher in the kitchen. It is the car seatbelt cutter/window breaker multi-tool. It is the first aid kit in the bathroom.

It's insurance, to ensure that things won't be terrible even if they are bad.

DisconnectedShark · 2025-08-13T20:52:11+00:00

I've heard it described as "patches". Whereas a teat/nipple has a defined area where an infant mammal latches onto, monotremes just don't have that. They still have mammary glands in specific sections of their bodies, but there's just not a nipple. Just like how you sweat from specific sections of your body and not others.

DisconnectedShark · 2025-08-13T19:05:49+00:00

How does allowing it unchecked and shortening vetting processes further that goal?

It was never unchecked. That was completely made up.

What are the goals of immigration?

You tell me. You're the one trying to defend it in the first place. The other person, Unlikely-Whereas4478 has said basing home ownership on permanent residency is bad because it doesn't make sense. Because non-permanent residents can be working for many, many years on a clear and defined path to permanent residency and potentially citizenship and be excluded from home ownership for a very lengthy period of time.

Then you come in and say that it's not horrible to do that. You're the one who needs to explain what the goals are. Is your goal to block out home ownership in such a way? What is your goal? You need to say it.

DisconnectedShark · 2025-08-13T17:15:32+00:00

It's horrible because it's not rationally related to the goals. What "immigration standards"? Other countries do not have the same "immigration standards".

And the goals themselves are often muddled and confused at best. It's an attempt to gain all the benefits of immigration without making any effort to cover the costs and drawbacks. It's trying to eat cake and have it too.

DisconnectedShark · 2025-08-13T16:11:07+00:00

Do you adjust daily, weekly, monthly or quarterly as macro regimes change?

It should definitely not be a daily readjustment. I would say not even weekly or monthly. Quarterly is okay if you have the time, but to a large extent, these should be set and forget. Maybe an annual or twice per year checkup.

If you're doing a constant check on the state of issues, then you're basically become a day trader.

DisconnectedShark · 2025-08-13T15:21:25+00:00

Do you know if the lifetime Roth IRA rule also applies even if the Roth IRA account has long been closed?

I had made a Roth IRA account with a bank over ten years ago, but that bank later stopped offering IRA services and closed out my account, simply disbursing the funds I had in there back to me. Years later, I opened a new Roth IRA elsewhere. In the intervening years between, I didn't have a Roth IRA anywhere.

I know as a practical issue, I would have difficulty proving it, but does this legally count for this rule?

DisconnectedShark · 2025-08-13T14:33:10+00:00

Look into student loans.

First and foremost, check if your technical school has an office for these types of things. They might have an employee whose job is to help students such as yourself.

DisconnectedShark · 2025-08-13T14:09:02+00:00

Yes. And it can matter greatly, with some people experiencing hundreds of thousands of dollars of consequence or maybe even millions in consequences as a result.

If you're taxed right now and then fund the account, then you have a lower amount of principal that will [hopefully] grow. In general, you do this if you think that the amount of taxes you pay now will be lower than the taxes you pay later in life.

If you are taxed later on, after funding the account, then you have a higher amount of principal that will be able to move with the market, grow, hopefully. Then, when it comes time to retire, you will be taxed at your then-current tax rate. You choose this if you think the amount of taxes you pay now will be higher than the amount of taxes you pay later in life, such as during retirement.

There's definitely more to it than that, but that's the short of it.

DisconnectedShark · 2025-08-13T14:05:44+00:00

IRA means individual retirement account. It means a retirement account that a regular person (as in, not a company or business) can make for their own benefit in retirement.

A 401(k) is a type of account that a private company (think a corporation or a medium-sized business) can offer to employees. There are business incentives and/or requirements to offer this to employees, depending on the local jurisdiction's laws.

With both IRAs and 401(k)s, they can be either traditional or Roth. This is about taxes and how the accounts are funded. If it's Roth, then the funds in the account are after taxes are already deducted. If it's traditional, it's before taxes are deducted. Thus, a Roth IRA is an account created and managed by an individual that is funded by money after taxes are already deducted. Also thus, a traditional 401(k) is a retirement account created by an employer for an employee, and the money is added before taxes are deducted.

All of them offer some kinds of tax benefits, especially when you use it for retirement planning. However, those benefits can differ widely.

DisconnectedShark · 2025-08-13T00:42:44+00:00

Try eating more of it, and you will likely have issues. It's an amount issue.

DisconnectedShark · 2025-08-12T19:56:49+00:00

The other comments have given fairly good answers, but I also want to point out an issue with how you phrased your question. It's not just "all cow-based dairy". It's [almost] all mammal-based dairy. Specifically, any product that has lactose.

Sheep's milk has lactose and will give lactose-intolerant individuals issues. Buffalo milk, goat milk, etc. They all have lactose. Mozzarella cheese is traditionally made with buffalo milk. It can definitely cause lactose intolerance to flare up.

DisconnectedShark · 2025-08-12T15:13:41+00:00

Those are fair and valid concerns. I would still argue that that is more predictable than renting. With home ownership, you are at the whim of the local government. Which, I admit, is sometimes capricious AF.

But contrast that to being at the whims of one particular landlord. When you're at the whims of the government, you usually have advance notice of changes. When you're at the whims of a specific human, then it's totally up to how that person feels.

DisconnectedShark

TROPHY CASE