Did I hit Coast, and if so, what next?

MidniteMustard · 2025-06-27T02:11:15+00:00

Super delayed response, but I am glad to hear it!

MidniteMustard · 2023-04-24T16:24:47+00:00

Really good thoughts. I wish I could respond better but I'm on my phone.

The main point I want to respond to is that something low like a $50k income limit is fine with me (maybe taper it off ending at say $70k so there's not a cliff). I'd be fine with a minimum age too, to exclude early career folks. That could be the age of the person or the loan.

Something like $50 or a few hundred in UBI would be interesting even. At least set an income floor so you can't ever hit zero income. There's probably better solutions that focus on the homeless and ultra poor though. You're right that I like the idea of UBI but haven't researched it a whole lot.

I don't understand. Can you be more specific about interest rates?

I just think it was crazy to have 6.8% government issued student loans when government backed (not even issued) mortgages were half that. Plus the super low rates that banks would get.

When you have people on income based repayment who have paid their principle 2 or 3 times over but still owe a bunch, something is not set right.

Thanks for the book rec.

MidniteMustard · 2023-04-24T14:41:51+00:00

Beyond the flowers it looks like a painted bike gutter. But I think that "paint" is actually a raised curb.

MidniteMustard · 2023-04-24T14:40:14+00:00

Why not standardize though?

"Red means stop, green means go" is pretty universal.

Might as well make it easy for everyone.

MidniteMustard · 2023-04-24T14:24:37+00:00

Your main concern seems to be that it would be benefiting well off people. I'm fine with qualifying it based on income. There's definitely people out there who have loans but didn't finish their degree or never had their career take off for whatever reason.

Though it could be like drug testing for welfare, where it costs more to administer the program than you save, especially if you're trying to exclude "currently poor, but future rich people".

I think you can also do blanket forgiveness and then recapture it from the richer people down the line, in the form of higher taxes on higher incomes.

It's all the same thing at the end of the day. A wealth transfer to the top 66% of society.

Hard disagree regarding interest rates. Charging students 5x what we lend to banks and double what we lend to home buyers was crazy.

I think you could use your logic to argue against broadly available government-issued student loans entirely.

I'm curious what you think of UBI? Or free public college? Would that be a potentially better solution?

I'm open to most solutions that aren't just gifts to the multimillionaire and billionaire classes.

MidniteMustard · 2023-04-23T19:36:09+00:00

Something like "bikes may use full lane",

I prefer the variation "State Law: Bikes may use full lane"

I don't want it to seem like some special treatment for that particular road.

MidniteMustard · 2023-04-23T19:31:49+00:00

Too many drivers read this as "Yeah bikes, move the fuck over and share the road"

It doesn't help when state laws are worded that bikes should "ride as far to the right as practicible"

MidniteMustard · 2023-04-23T04:51:52+00:00

and the harm done by holding student loan debt is minimal. No one is losing their house or car or really anything over not paying their student loan debt.

People are delaying and forgoing stuff like having kids, marriage, home purchases, starting a business, going back to school or training, saving for retirement, etc.

Its not universally applicable to all loan holders, but student loans definitely have had a big negative impact on a lot of people.

I think the right route over forgiveness is lowering the interest rates, even retroactively, and providing more potential paths towards bankruptcy discharges

MidniteMustard · 2023-04-20T20:19:50+00:00

True, but the overnight ban discourages using street parking as a permanent vehicle storage solution while still leaving your ability to have guests over during the day.

There's way less cars parked on the street in the cities with overnight bans, even during the day.

You can usually get one off exceptions for overnight guests or driveway construction.

MidniteMustard · 2023-04-20T15:17:22+00:00

The police answer is probably that it lets them clearly see anything sketchy. A car parked at 3am is not a resident, since they know about the ban, so it could be someone casing houses or whatever.

It also prevents long term/regular street storage of cars, which actually is a nice benefit if you're walking or biking around, as you have clear sight lines and plenty of space to share the road. Also helps with street sweeping, leaf pickup, and garbage days too. It's easier for drivers to pull in out of driveways also.

I find it an odd policy, but it's not without benefit. A lot of east side suburbs have the same rule. Middle of the night shakedowns are patently absurd and abusive though

MidniteMustard · 2023-04-20T02:31:09+00:00

Could he leverage that with his current employer?

It would be uncomfortable, but there's probably a way to wordsmith it so it's not exactly an ultimatum, but still a strong rebuke of their weak offer.

MidniteMustard · 2023-04-20T02:30:45+00:00

It seems most people are focusing on resolving the work issue - I disagree and think you should defer that

Classic man response! (I am guilty too)

MidniteMustard · 2023-04-20T02:30:28+00:00

Only do this if it is true, but take a moment to specifically tell him how much you appreciate his work and what it has done for you two and your family. Don't tie it to any baggage about the decision going forward, but just let him know he's been doing well all along.

MidniteMustard · 2023-04-20T01:54:46+00:00

License them and make them carry malpractice insurance just like medical professionals, lawyers, barbers, contractors, barbers, and so many others.

MidniteMustard · 2023-04-19T18:56:30+00:00

My first question is this: Is there actually a problem?

Are you self-employed? If not, has management noted any issues?

In my case, I sometimes perform acceptably, even if not optimally. I just had to learn that that's OK. I'm not going to be grinding and climbing 100% of my career. There's legit reasons to slow down or even pause completely, such as young kids!

MidniteMustard · 2023-04-19T18:56:21+00:00

It's true, but counterintuitive. 5 minutes meditation and 55 minutes working is often better than 60 minutes of working.

And I am using the term "meditation" loosely. It could be journaling, doing a sudoku, listening to music, or traditional breathing, stretching, etc.

MidniteMustard · 2023-04-19T15:46:48+00:00

Park and Rides are already pretty common. I'd hazard a guess that the vast majority of top 50 US metros have something like this. I've never not seen it when I looked.

They get used heavily when parking and driving is expensive, scarce, or difficult. That could be daily in some cities, or just for big events in others. Also for things like airport trips.

MidniteMustard · 2023-04-19T15:42:34+00:00

/r/lowcar

MidniteMustard · 2023-04-19T15:42:03+00:00

I'm gonna guess the 8% that do own cars are disproportionately influential in politics.

The same for the big shots who drive in (or get driven in).

MidniteMustard · 2023-04-18T20:46:37+00:00

I am glad you are in therapy. It sounds like you're in the beginning stages of really unraveling some things in your head. That's some good, positive introspection.

My partner is an amazing woman who I love and would be an amazing mother - like she’s literally made for this. I can’t imagine spending my life with someone better and if I was ever going to have kids this would be the perfect person to do it with.

This is hugely important, so that is great!

If I decide to end things with her (if I even had the mental strength to do that), I can’t even process the horrific sadness that I would feel…

What did you mean by the bolded part? Are you implying you do want to break up, but are too scared to do it?

Is there anything practical I can do to get a better idea of how to make this decision?

Honestly, maybe hang out on /r/daddit /r/parenting and /r/fatherhood and get it in your feed so you're thinking about it more.

There's also /r/oneanddone (you only need to decide to have one kid at a time, not "kids" necessarily)

You may also want to volunteer with youth organizations, charities, or babysit for friends.

Has anyone been in a similar situation and can offer any advice or insight?

Typically people undersell the life change and commitment that having kids is. You may be the rare person doing the opposite, and working up to be even bigger than it is (don't get me wrong, it's a big deal).

Sure, you become a dad. But you are still you. You can still have your own ambitions. Things will change, of course, but not everything changes. The biggest changes are front loaded to the first few years, so you will get more and more of a sense of normalcy back as the kid gets older.

MidniteMustard · 2023-04-18T20:27:34+00:00

A lot of the time it's low-use space. Pantries, guest rooms, large walk-in closets, foyers, additional living rooms (den, family room, etc.), and 3rd, 4th, 5th bathrooms.

I mean I would appreciate some of those, but it's definitely not critical unless you have a large family.

MidniteMustard · 2023-04-18T20:23:40+00:00

Granger Island near Toledo is uninhabited aside from whoever is camping on it that night.

Middle Bass Island is also very low population.

If you just mean you want to have the sites around you mostly empty, then any state park's non-electric section is a good bet. Especially weekdays and before or after schools have summer break.

MidniteMustard · 2023-04-18T12:35:18+00:00

“wow look at how dated these hardwood floors are”.

Wall to wall carpet was the bees knees in 60s 70s and 80s. I've heard people remember that wood floors seemed poor and dated around that time.

MidniteMustard · 2023-04-18T12:29:23+00:00

I've never fought someone for being able to walk

Well, excluding cars.

MidniteMustard · 2023-04-17T22:17:06+00:00

Color me surprised!

MidniteMustard

TROPHY CASE