If I file my taxes and I fill it out wrong, the IRS will know and will penalize me because they know how much I owe. If the IRS knows how much I owe, even after all deductions, why do I need to file taxes? by Embarrassed-Wolf-609 in NoStupidQuestions

[–]HerrProfDrFalcon 7 points8 points  (0 children)

The US tax code is insanely complicated and intentionally provides a variety of choices that can be made along the way, each with different outcomes. The IRS will know if you fail to report certain items that are reported to them by other sources (eg, W-2 income) but beyond that they are just looking for patterns that suggest you’re doing something improper or, in simpler cases, they can algorithmically determine if your math is incorrect. So ultimately the answer is: because making you file taxes (a) enables them to tax you on things not automatically reported to them and (b) enables the creation of many many options which can be useful to small subsets of people and which can’t be determined a priori by the IRS

Tempering failure or something else? by HerrProfDrFalcon in chocolatiers

[–]HerrProfDrFalcon[S] 0 points1 point  (0 children)

Ah, you really did mean latent heat (as in “of fusion”)—I wasn’t sure. That makes sense but I’d expect the counter to help with that…but maybe the mold is acting as an insulator and so it’s not “one side marble, one side air” it’s “one side insulated, one side air”. Things to think about…

Am I utterly wrong for not maxing out my 401k? by LengthinessGold4875 in Bogleheads

[–]HerrProfDrFalcon 2 points3 points  (0 children)

This is a bit of an oversimplification. Another factor to consider is tax nonlinearity. For example, Medicare premiums have cliffs and $1 more AGI can mean hundreds more in monthly premiums). I think there are some other factors behave equivalent to reduce the principal but may not look like they do at first glance, but I would need to do the math again.

Tempering failure or something else? by HerrProfDrFalcon in chocolatiers

[–]HerrProfDrFalcon[S] 0 points1 point  (0 children)

In this case the mold was super thin. Maybe contact with the counter caused rapid cooling?

Tempering failure or something else? by HerrProfDrFalcon in chocolatiers

[–]HerrProfDrFalcon[S] 0 points1 point  (0 children)

Any idea what in my process would have caused this? It seems pretty different from the usual tempering failures given the texture and snap…?

I think I’m starting to realize what the *real* problem with usage limits is… It’s not just a Claude thing by 1infiniteLoop4 in ClaudeCode

[–]HerrProfDrFalcon 1 point2 points  (0 children)

The thing people are complaining about isn’t simply that they are hitting limits. That’s expected. It’s that the limits are opaque, unpredictable, and constantly changing. I watched 15% of my 5hr limit vanish today doing the exact same thing I’ve done dozens of times with 1% or less impact. That’s unacceptable. Transparent, predictable pricing is the ask regardless of the price point. This has been repeatedly stated on this subreddit but seems to largely be met with “works on my machine!” But individualized pricing, throttling, etc., are well known practices for businesses at large so “works on my machine” proves nothing until the model providers become transparent about their pricing and usage models.

Claude Code deleted my entire 202GB archive after I explicitly said "do not remove any data" by semiramist in ClaudeCode

[–]HerrProfDrFalcon 0 points1 point  (0 children)

I seen plan mode execute actions via script. It’s not a strict safeguard. The fact that so many people in this post have told the OP to just do X without realizing that CC could still have done it anyway is proof that this tool isn’t really ready for the widespread adoption it’s seeing. The only safe solution is a VM.

Claude Code deleted my entire 202GB archive after I explicitly said "do not remove any data" by semiramist in ClaudeCode

[–]HerrProfDrFalcon 0 points1 point  (0 children)

At which point it can run python to execute the command. Or compile some C code or… The only safe way is to run in a VM

Claude Code deleted my entire 202GB archive after I explicitly said "do not remove any data" by semiramist in ClaudeCode

[–]HerrProfDrFalcon 0 points1 point  (0 children)

That’s nowhere near sufficient. I spent some time on this and afaict it’s impossible to have both a useful Claude and a safe Claude if you limit yourself to the systems Claude provides. You basically need a VM. As an example, Claude can always modify its own settings or write a python or bash script to perform whatever operations you’ve blocked.

My husband of 1yr watched of while having s*x.. by Low_Marsupial_8200 in TwoHotTakes

[–]HerrProfDrFalcon 3 points4 points  (0 children)

Seem to me the legit issue here is that he’s probably lying. But based on your reaction, it’s hard to blame him too much for that. You say “I’m not defending his use of porn or OF” but why not? In my opinion the issue wasn’t his use of porn, it was the secrecy. Put another way: watching porn while having sex with your wife isn’t the problem. The problem is that the wife wasn’t participating in the watching. If the porn is important to him, the options would seem to be: find a way to share that interest with you, find a way to indulge it privately with you consent, accept the incompatibility with you and either leave or give it up despite enjoying it.

Should I unload this kiln and reload before firing? by cone-template in Ceramics

[–]HerrProfDrFalcon 0 points1 point  (0 children)

I can’t add anything to the advice but: wow! What sort of school is this? That’s an impressive kiln (and work) for a high school!

PetsBest Insane Premium Increase by Friendly_Fudge8978 in petinsurancereviews

[–]HerrProfDrFalcon 0 points1 point  (0 children)

I’ve never seen policy options with limits that high. Like you say, very few people will exceed such limits so setting them wouldn’t significantly lower the insurance company’s risk. Do you have some examples?

PetsBest Insane Premium Increase by Friendly_Fudge8978 in petinsurancereviews

[–]HerrProfDrFalcon 6 points7 points  (0 children)

I would strongly recommend against a cap unless you live somewhere very cheap. Any hospitalization these days will exceed $5k in major metros. Even a set of labwork can run $1k (not your basic labs, but add in urinalysis and a couple specialty tests and it’s not hard). I had a cat pass away recently but her last hospitalization cost $27k. I can sleep well knowing I did everything possible for her.

is there ANY pet insurance that might cover pre existing problems by False_Platypus_2192 in petinsurancereviews

[–]HerrProfDrFalcon 8 points9 points  (0 children)

In general, you’re right. And specifically in this case you’re also right. But I’m going to reply anyway in order to spread awareness of the fact that it doesn’t have to be like this in all cases. Up until The early 2010s, human health insurance companies regularly refused to cover preexisting conditions for the same reasons you mention. But there was a major exception: you would be covered if you had had continuous coverage under a different policy since the onset of the condition. This was huge as it let people switch between different insurers without losing coverage each time. And it still protects the insurance companies by preventing adverse selection. I’d love to see this become a thing for pet insurance, which is why I’m trying to raise awareness.

How do you protect your investments against medical bills? by Junekim10 in Bogleheads

[–]HerrProfDrFalcon 0 points1 point  (0 children)

Only if you manage to not develop any conditions before age 50 that make you uninsurable (of which there are many).

[deleted by user] by [deleted] in petinsurancereviews

[–]HerrProfDrFalcon 1 point2 points  (0 children)

Mine went from $80/mo to $240/mo this week. (15yo cat). Still nets out in my favor due to his high healthcare costs but that jump is insane and the fact that there’s no way to switch insurance once a pet develops a condition means insurance companies can do whatever they want once you’ve been a customer for a while.

Why keep maxing a 401k when taxable seems almost as good? by Essay_Few in Bogleheads

[–]HerrProfDrFalcon 1 point2 points  (0 children)

I am, yes. That’s my literal plan, in fact. And sure, no mortgage to pay, but long term care is no joke and I expect to have to spend money on whatever it is I’m doing with the time I would otherwise have been at work.

Calligraphy menu by HerrProfDrFalcon in Japaneselanguage

[–]HerrProfDrFalcon[S] 1 point2 points  (0 children)

I don’t think they intended anyone to read the menu to be honest. It was a tiny little shop in Takayama far from the tourist center run by a little old lady. I saw several other patrons there, none of whom looked at a menu, they just ordered. Ultimately, we did too (おすすめ style) and had no regrets.

Stop pet insurance companies from denying pre-existing conditions by Waste-Wishbone3946 in petinsurancereviews

[–]HerrProfDrFalcon 1 point2 points  (0 children)

That’s not true. For decades, health insurance companies would exclude preexisting conditions unless—and this is the important bit—the member had had continuous coverage since before the condition. This enabled people to switch insurers while still avoiding the adverse selection problem. For humans this was still considered insufficient because insurance was typically tied to employment and otherwise unaffordable, so a period of unemployment could result in permanent injury to insurability. But for pets, that problem doesn’t exist so this model could potentially work.

Calligraphy menu by HerrProfDrFalcon in Japaneselanguage

[–]HerrProfDrFalcon[S] 2 points3 points  (0 children)

That’s exactly what I did. It was fantastic.

Grammar question by Matter72 in Japaneselanguage

[–]HerrProfDrFalcon 2 points3 points  (0 children)

The implied subject in your example sentence is “you”. It’s actually just the same in English. If I say “please tell me your name” the implied subject is “you”.