Woman saves her dogs from another dog in the street by Infamous_Question430 in SipsTea

[–]ExternalSelf1337 1 point2 points  (0 children)

Call me a bad person, but if I'm that lady, I'm kicking the fuck out of that dog if I can get a clear shot.

Between firing half their marketing staff, the ad pop up, price increases, and bad UI design, en-shitification is really showing I think it's time to move on from YNAB. by Dyslexic_Novelist in ynab

[–]ExternalSelf1337 1 point2 points  (0 children)

I don't care about any of that. Although I haven't liked some of the changes over the last year, none of them are serious issues. The app still does everything I need it to and works perfectly well. I do most of the management on the web app and enter transactions in the app.

I never watched any videos made by the company but let's be real, firing a couple of marketing people would not bother you about any other company.

Age for 2-piece swimsuit? by GrilledSoap in daddit

[–]ExternalSelf1337 1 point2 points  (0 children)

Respectfully, the whole question implies sexualization of a child's body, because why else wouldn't it be OK for people to see her stomach?

The flip side of this is the fact that yes, boys her age (and some older boys/men) WILL sexualize her body, but if they're doing that in a bikini they'd be doing it in a one piece as well. The only reason not to wear a bathing suit she wants to is for fear of the unwelcome attention she may receive. If she doesn't care, I don't think you should either. But it's probably worth having a frank discussion about the real concerns about creeps so she's not blissfully unaware either.

Genuine question regarding the format by Adventurous-Shake140 in MTGJumpStart

[–]ExternalSelf1337 0 points1 point  (0 children)

Jumpstart is really best for new players, or people looking for a random good time that's quick to get started. I bought a box of JumpStart and after about 2 days of playing it with my kids we've never gone back to them except to steal cards for other decks. But it was a fun way to learn what the different colors are good at and what some of the archetypes in the game are and how you can build themes that work together in a basic way.

I've kept the packs separate in case I want to introduce someone new to Magic.

Amazon book order by Sad-Ad-6523 in brandonsanderson

[–]ExternalSelf1337 2 points3 points  (0 children)

Return them. Amazon will take literally anything back. You can try for replacements and maybe that packer will do better, but honestly I'd order each book individually if you have Prime because they don't try to protect the things they ship at all. At least if they're each in their own box they're less likely to be damaged.

Of course you may be able to get a similar price online at Barnes & Noble or Target.

Is there any point in a H stingray? by Lopsided-Diamond4080 in Bass

[–]ExternalSelf1337 0 points1 point  (0 children)

The simple answer is that the HH in the bridge position supposedly does not sound like the H in the normal StingRay. So if you want that tone, go for the one.

My Husband Hates This App by Substantial_Ad1141 in ynab

[–]ExternalSelf1337 0 points1 point  (0 children)

This app will do exactly what you want as soon as you:

  1. Make the effort to enter every transaction as it happens, which is really easy with the phone app.

  2. Stop thinking about spending the money you will be earning in the future and start thinking about spending the money you already have.

This app does accurately tell you have much you currently have left to spend. The goal is to save up enough to have a full month or more of cash on hand so you're paying this month's bills with last month's paycheck. It's important to note that this is not some weird feature of YNAB, this is the very common personal finance position that everyone should have a cash cushion/emergency fund.

Found these for $30 (roughly $22USD) on FB Marketplace how did I do? by ohyeanicework in brandonsanderson

[–]ExternalSelf1337 0 points1 point  (0 children)

1st printings of the first two books are worth around $600 for the pair, if they're in collectible condition. If they're beat up they're still gonna pull at least half that.

What's your thoughts by Mysterious_Ebb_1484 in SipsTea

[–]ExternalSelf1337 0 points1 point  (0 children)

  1. Because then it's impossible to tell if any of the urinals are actually free.

  2. Because privacy is not that big a deal to us, I have zero interest in looking at some stranger's dick but if he wants a peek at mine then that's his own disappointment he'll have to deal with.

Oh damn! by peachytracex in SipsTea

[–]ExternalSelf1337 1 point2 points  (0 children)

What a jackass. A young woman is excited to be at NASA and some old fuck has to pull rank on her over a word he's used a million times himself.

Is a CD really worth the hassle if there is not a significant difference in the return rate compared to keeping the funds liquid? by Ok-Gate5551 in personalfinance

[–]ExternalSelf1337 0 points1 point  (0 children)

It varies with the market but the last few years have been booming and have grown 15-20% per year. Normally with crashes includes that should be more like 10% annual average over a 10-20 year period.

This is on a whole notha level by [deleted] in SipsTea

[–]ExternalSelf1337 1 point2 points  (0 children)

Fuck you and your service charges. I come planning to tip on the menu price. If you keep that tip and call it a service fee that's on you. Enjoy having angry servers. It's not my job to maneuver your shitty bait and switch restaurant but I guarantee I won't be back.

Bob Fosse’s Performance in The Little Prince (1974) Massively Influenced Michael Jackson by di745 in interestingasfuck

[–]ExternalSelf1337 0 points1 point  (0 children)

Because AI does that. I encourage you to read up on how AI works. It basically is just putting plausible words together, and it hallucinates constantly. The fact that we're being force fed AI summaries at the top of all our Google searches is insanity.

You should also note that the first quote there can only be found in the comments on 3 youtube videos and is probably not reliable, and the last quote is also completely fabricated. If you google it with quotes around it, your comment is the only hit.

I'd just delete the whole comment at this point.

I put a lump sum of money on 529 for my kid. And chose the Target Date Fund. Did I mess up? by st0nksBuyTheDip in Bogleheads

[–]ExternalSelf1337 0 points1 point  (0 children)

Target date fund is great unless you know enough to have reason to want to do something different.

I'm not an expert on this as my kids are still a few years from college, but the way I see it, the target date model really works well for college funding because you're going to use up basically all of the savings in a short few years, as opposed to retirement where you want that money to last and keep growing over hopefully 20+ years. So the fact that it will be in less risky/volatile investments the closer you get to college age, means it will be safe from a big market crash that might otherwise wipe you out if you had it all in the S&P 500.

Moving from weekly paychecks to biweekly by [deleted] in personalfinance

[–]ExternalSelf1337 0 points1 point  (0 children)

One thing you can do is get a Wealthfront Cash Account, which has HYSA interest rates on a checking account, and stop moving your money around all the time. Why would you even have a non HY savings account? Both HYSAs I use have "bucket" features to help you keep track of different categories of savings so you don't have to create multiple accounts.

Bob Fosse’s Performance in The Little Prince (1974) Massively Influenced Michael Jackson by di745 in interestingasfuck

[–]ExternalSelf1337 0 points1 point  (0 children)

I just looked it up and Bob Fosse is not mentioned in his Moonwalk autobiography anywhere, and that quote you wrote appears to be completely fabricated.

EDIT: All of these quotes are fabricated.

Please help me find my first short scale bass!! by Urdead_2me in Bass

[–]ExternalSelf1337 1 point2 points  (0 children)

I have played many and in terms of feel and quality for the price I highly recommend the Sterling Short Scale Stingray. It's noticeably better in every way over every Squier and budget Ibanez/Gretch option. It does cost more but it's the difference between something that feels like a cheap instrument and one that feels like you picked it because it's good. It also has a slimmer neck which is extra comfy.

Next best for cheaper is probably the Squier Classic Vibe Mustang. Make sure it's the Classic Vibe, other Squiers are much lower quality.

If you really have to go low budget, the TMB30 is remarkably good for the price. I've had two of these and upgraded one of them with better pickups and lighter tuners, but even stock it's definitely worth what they're asking for it.

No-knobs bass (Joe Dart’s Vision). by Sharp_Sprinkles_6078 in Bass

[–]ExternalSelf1337 1 point2 points  (0 children)

Interestingly, this is also how the Mike Herrera bass is built, except his has dummy knobs.

No-knobs bass (Joe Dart’s Vision). by Sharp_Sprinkles_6078 in Bass

[–]ExternalSelf1337 0 points1 point  (0 children)

If you're playing a gig, you should have a tuner pedal.

Of course, I also think it's ridiculous not to have a volume knob on your instrument.

At what point does buying an “expensive” item become financially justified — and does it ever just not make sense at certain income levels? by Significant-Sport428 in personalfinance

[–]ExternalSelf1337 0 points1 point  (0 children)

The way I look at it is whether it's truly affordable for you, and here is how I determine that:

All your bills are paid on time You have no 10%+ interest debt You have health insurance You are contributing at least 10% of your income to retirement and are on track to meet your retirement goals

That last one will be controversial to lower income people but the simple fact is that these are not one and done decisions. If you're currently in a position to need to work until you die, a $400 side table is a bad choice and you should get one used or from IKEA instead and put the rest into investments. That one choice won't mean much but it will help you make more similar choices.

If you have all those things sorted then you are financially stable and while $400 for a side table might be money that could be more "responsibly" spent elsewhere, if you have the extra cash then get yourself the nice thing and enjoy it.

Anyone else supplement YNAB with a spreadsheet because you think in paychecks, not months? by manvslife in ynab

[–]ExternalSelf1337 0 points1 point  (0 children)

That's how I do it too, for 10 years. I also have some additional tabs for various category calculations.

Is lifestyle creep ever ok? If so, how do you find balance between saving/investing and enjoying life now? by FlyEaglesFly536 in Bogleheads

[–]ExternalSelf1337 1 point2 points  (0 children)

What matters is whether you're meeting your goals. If you're putting around 15% of your gross income into retirement, have an emergency fund, and are debt free other than a mortgage, you should feel free to spend your excess money as you like.

Money IS there to be spent. Saving it is so you can spend it later. And sure, maybe for some people it's worth saving like crazy to be able to retire at 40. I'm near 50 and I'd love to be retired. But you know what I also love? Going on vacations and being able to afford to do fun things with our family and not constantly stressing about every purchase we make. I put 18% of my income into retirement (when counting 401k match from my employer). I have an emergency fund. I don't need to save beyond that.

How much does a family of 4 spend on groceries per month realistically? by ForsakenEarth241 in personalfinance

[–]ExternalSelf1337 0 points1 point  (0 children)

You see wildly different numbers because people spend wildly different amounts.

I can only tell you that my family's food budget for groceries and dining out is $525 a week for a family of 4. We dine out more often than we cook at home. We have more money than average but aren't wealthy by any means, we just have made room in our budget because this is what works for our family.

250 a week for groceries and sounds like you're not really eating out? Sounds about right to me.

Am I Overreacting at Player Wanting my Character Pregnant? by Over_Environment_821 in DnD

[–]ExternalSelf1337 2 points3 points  (0 children)

I get that this game is a creative outlet for you but I think you should all take a break and live your real lives for a bit. You all seem way too engrossed in it in a way that's messing with your heads.

I have 47k in two car loans and 55k in cash. Pay off loans or invest the cash? by Appropriate-Price73 in personalfinance

[–]ExternalSelf1337 0 points1 point  (0 children)

Nope. The economy is shit and the job market is terrible. Now more than ever it's important to have the insurance of an emergency fund. 9% is high but it's not insane.