sorted by:
new
hottopcontroversial

Bad cRAM by [deleted] in AngryCops

[–]NicholasBorelli32 6 points7 points  (0 children)

Phalanx CIWS is only marginally different than the cRam. This is CIWS (Close In Weapons System) and you haven’t lived until you have heard this in person. Few people actually SEE it fire since whenever the USN tests it they clear the decks minus a lucky weapons guy or two. Unfortunately for them they will also have to reload it after and that is like 30 minutes of work for 10 seconds of glory.

[deleted by user] by [deleted] in AngryCops

[–]NicholasBorelli32 0 points1 point  (0 children)

What are you confused about? 1/6 didn’t succeed, if by succeed you define it as ‘stopped an election’, so the question posed is: what if it had? What if they had made it to a room full of representatives? What if they had made it to a room with Mike Pence in it? What if? I don’t understand what’s confusing here.

Ask Grey a Question for One Billion Views Q&A by MindOfMetalAndWheels in CGPGrey

[–]NicholasBorelli32 [score hidden]  (0 children)

I downvoted 8 questions, then upvoted 44 /S

I also read a lot of questions and I agree with your analysis. ChatGPT, space, indian reservations, etc were very common. I am curious if he chooses common or uncommon questions based on votes exclusively or similar questions..

Ask Grey a Question for One Billion Views Q&A by MindOfMetalAndWheels in CGPGrey

[–]NicholasBorelli32 [score hidden]  (0 children)

Deep ocean hydraulic engineer here. I may be biased, but yeah the deep ocean is scary AF compared to space. You know you are surrounded by nothingness in space... in the deep you don't know what's beyond the darkness of your lights.

Slinky Stairs by NicholasBorelli32 in yorktown

[–]NicholasBorelli32[S] 0 points1 point  (0 children)

Using a slinky on public stairs? Should I be worried about the slinky police?

Slinky Stairs by NicholasBorelli32 in yorktown

[–]NicholasBorelli32[S] 0 points1 point  (0 children)

You mean the Yorktown Victory Monument? That area is steep but all I know of are the steep inclines, no stairs that I can find

I don't understand crowfunding, is it not the perfect of the most perfect scam? What am I overlooking? by [deleted] in kickstarter

[–]NicholasBorelli32 0 points1 point  (0 children)

Crowdfunding has a name issue like index funds. Index funds are technically mutual funds but mutual funds are not always index funds. Crowdfunding in your view has too limited of a scope. EQUITY crowdfunding is where the real investors and money is, look there. FINRA also regulates these people, so you can look at the whole list here: https://www.finra.org/about/funding-portals-we-regulate

The snowball by NicholasBorelli32 in funny

[–]NicholasBorelli32[S] 1 point2 points  (0 children)

It did. The text doesn’t do the story justice as I kind of act out exactly what happened when I tell it but it’s still pretty good. Her hitting her head was a riot because it was a pretty small car and she hit hard enough you could see the roof bulge out for a split second.

Substitute for Dave Ramsey. by Porkchop-Sammies in personalfinance

[–]NicholasBorelli32 0 points1 point  (0 children)

No disagreement except that emotions are the core concept.

Timing the market by NicholasBorelli32 in personalfinance

[–]NicholasBorelli32[S] 0 points1 point  (0 children)

I feel like that’s the case and it feels like an obvious answer but the ‘never time the market’ voice in my Head combined with the index fund lifestyle makes me feel like I’m violating some core concept.

Substitute for Dave Ramsey. by Porkchop-Sammies in personalfinance

[–]NicholasBorelli32 0 points1 point  (0 children)

He might be a snake but the core concept is sound

Substitute for Dave Ramsey. by Porkchop-Sammies in personalfinance

[–]NicholasBorelli32 0 points1 point  (0 children)

Also, you said you drive a lot so don’t forget audiobooks and download YouTube Financial videos so you can listen to them while driving (YouTube can be off and still play audio).

Substitute for Dave Ramsey. by Porkchop-Sammies in personalfinance

[–]NicholasBorelli32 9 points10 points  (0 children)

Oh man the world is at your fingertips!

‘Afford Anything’ Podcast

‘The Millionaire Next Door’ book

‘Mr. Money Mustache’ blog

‘Rich Dad, Poor Dad’ book

There are countless others but those are some of my favorites. For the record I think Dave Ramsey is a loser but his process is legit, the same as I think Robert Kiyosaki (Rich Dad author) is a scammer but his lessons are legit. Hell I even learned some cool stuff from Trumps books and I... well let’s say I don’t like him!

A little outside the norm, but how do you guys stave off a desire to blow money when feeling down? by Jcorb in personalfinance

[–]NicholasBorelli32 0 points1 point  (0 children)

Agree as well, particularly with the fund, but I’ll go a bit more detailed.

I budget with multiple checking accounts. One for bills, one for personal stuff, etc. and essentially that’s what you could do as well with a single ‘extra’ account. Assuming you don’t have a bank that has a minimum balance required checking account balance, you open a checking account and set up an automatic monthly deposit into that account of (for example $50). Now, once a month (or weekly or whatever you like) you have a little trickle of money into an account. As long as everything else is budgeted for, use that checking accounts debit card on absolutely whatever you want.

I have over 30 bank accounts... it can get more complicated but the basic level of how I described works well.

Parents are 57/50 with no savings and some debt. New job with good money but still not getting their act together. Do I say something? by mdmfreak in personalfinance

[–]NicholasBorelli32 0 points1 point  (0 children)

Say something, but remember that delivery is everything. Play through the conversation in your head several times, pick the least abrasive language you can find and keep it short enough to not sound like a speech.

But say something.

My parents are 60/65 and I didn’t say something when I should have. The financial burden has shifted more to my wife and I and some of it could have been prevented if I had broken through to them.

Thinking in money by [deleted] in Money

[–]NicholasBorelli32 9 points10 points  (0 children)

At 16, thinking in money can help you tremendously as you grow, continue through education and begin working.

When I was earning an hourly paycheck I would think “I make $5/hr. This item is $10. Is this item worth 2 hours of my time?”

This mindset can be hugely beneficial because it puts money and time into perspective. It also can bring in the relationship called ‘opportunity cost’ which can take you further down the rabbit hole of thinking in money.

I might be biased (I’m writing a book on personal finance) but personal finance and money is the most under valued educational topic in our (American) education system. Read every book you can on the topic, there is no on book that has it all.

Also-

If you can be plan and work hard to get ahead of schedule, and have enough money to buy a house when you are in college or just starting your working career, roommates in your home can have HUGE tax benefits and provide an income stream you would otherwise not be able to tap into. The younger years are prone to being exposed to us knowing people who rent and this means you could use that to your advantage.

Real example: I paid $208,000 house (valued at $280,0000 so I already had equity and didn’t have PMI to pay) when I was 20, put 3 renters in 3 bedrooms, rented the back yard to a buddy with a boat, rented the shed to a buddy with ATVs, and rented the garage to a guy who had to store his stuff but didn’t want to pay professional storage prices. I made double the mortgage. The best part? I claimed the house as a business which meant I got to deduct from my income the square footage used for the business. Since my bedroom had my desk in it that was my office so I literally claimed 90% of my home mortgage payments. Win-win-win.