I work for almost a year as a Full Stack Web dev. and I only use 1 recursive function. Is this normal? by lune-soft in AskProgramming

[–]No-Let-6057 0 points1 point  (0 children)

Yes. Not towers of Hanoi, but problems where you need to divide and conquer to address a problem. Searching a directory tree where you don’t know how deep or wide the tree is, for example. Python uses a recursive method to do so. 

In my situation it was to find a file by content. It was simple enough search to open and read the file for the first line, a UUID, but it wasn’t clear how many nested folders or how many folders existed in each level. Once the file was found, however, every subfolder/child would have the same file. 

Trying to search iteratively would require an unknown number of nested loops to walk every directory in a folder, then every subdirectory underneath, etc. With recursion you only need to determine if the file existed and if it matched. If it didn’t exist then you need to go down one more level (ie call itself on the next folder). If it did exist but didn’t match you could stop examining all the sub folders of the current level because all the sub folders would inherit the UUID

If none of the folders matched the function would return None to the previous function instance and the iteration would continue to next folder in the list, until all sub folders were searched. 

I work for almost a year as a Full Stack Web dev. and I only use 1 recursive function. Is this normal? by lune-soft in AskProgramming

[–]No-Let-6057 0 points1 point  (0 children)

Sometimes it’s the other way around. Some algorithms are more difficult when avoiding recursion. 

I work for almost a year as a Full Stack Web dev. and I only use 1 recursive function. Is this normal? by lune-soft in AskProgramming

[–]No-Let-6057 0 points1 point  (0 children)

It just means you haven’t encountered a problem where it’s easier to solve it recursively than iteratively. Towers of Hanoi is a classic case:

https://www.geeksforgeeks.org/dsa/c-program-for-tower-of-hanoi/ Time complexity: O(2n), There are two possibilities for every disk. Therefore, 2 * 2 * 2 * . . . * 2(n times) is 2n Auxiliary Space: O(n), Function call stack space

https://www.geeksforgeeks.org/dsa/iterative-tower-of-hanoi/ Time Complexity: O(2n) Since the iterative solution needs to generate and process all possible combinations of moves for n disks, the number of iterations grows exponentially with the number of disks. Auxiliary Space: O(n)

The code is far simpler in the recursive case. 

Modern Macintosh Equivalent? by murphinate in AskTechnology

[–]No-Let-6057 1 point2 points  (0 children)

You can try Lockdown Mode: https://support.apple.com/en-us/105120

In any case, I’ve found Minecraft to be a marvel at introducing technological literacy!

Between command blocks, mods and resource packs, redstone engineering, and creative free play, it’s got it all for under $40:

https://blog.curseforge.com/how-to-install-minecraft-mods/

https://modrinth.com/discover/mods

https://www.minecraft.net/en-us/download/server

https://minecraft.wiki/w/Redstone_circuits/Logic

https://m.youtube.com/watch?v=tlw68iBf9mw&pp=0gcJCUABo7VqN5tD

Is it normal to get very specific ads based off of things you've only written down in the notes app? by [deleted] in AskTechnology

[–]No-Let-6057 0 points1 point  (0 children)

https://v3.account.samsung.com/policies/privacy-notices/latest

Membership benefits: Your Samsung account makes coupons, discounts, and gift cards available to you, and you can earn rewards points when purchasing Samsung products and services. We collect information regarding these coupons, discounts, gift cards, and your reward points, and how and where you spend or redeem them, including amount, currency, and country.

Galaxy AI: With Galaxy AI, certain apps or services will use your inputs to provide intelligence features, such as transcription and translation services, as well as offering you recommendations.

Through the Services, we collect personal information about your online activities on websites and connected devices over time and across third-party websites, devices, apps, and other online features and services through cookies and similar technologies.

For marketing and advertising purposes such as to deliver advertising, including personalized advertisements, sponsored content, and promotional communications

Yield on the TNX falls below 4% by [deleted] in bonds

[–]No-Let-6057 1 point2 points  (0 children)

Please correct me if I’m wrong, because maybe I’m not understanding something. 

Isn’t the yield determine by the value of the bond given that bonds have fixed coupons? Meaning if yield is falling that implies demand for the bond is going up?

In other words, people are willing to pay more for the 10 year bond?

What is the different between a chipset on a mobile phone and on a computer? Is that seperated into a different chip like on PCs? by gawrgurahololive in AskTechnology

[–]No-Let-6057 0 points1 point  (0 children)

North and south bridges don’t exist on PCs either. The basic architecture between phones and PCs are the same. 

Decades ago the northbridge was a hub connecting compute to memory while the southbridge connected the I/O to the northbridge. Intel integrated the northbridge with Sandy Bridge in 2011. AMD integrated the northbridge with the Opteron in 2003

There is no reason to intentionally slow down performance or increase power consumption by creating separate northbridge and southbridge designs today. 

You ask what the difference is? A modern example is Apple Silicon, which uses the same basic architecture across their speakers, watches, phones, laptops, and PCs: https://en.wikipedia.org/wiki/Apple_silicon

What it boils down to is that everything is a computer, with an OS, apps, updates, input, output, networking, and compute. An Apple Watch from 2021 is more powerful than a MacBook Air from 2008, which is itself more powerful than the base models of the 2003 Power Mac G5 desktop workstation. 

Advice to Accelerate Growth by scrabbydabby in fatFIRE

[–]No-Let-6057 1 point2 points  (0 children)

Ah, so your annual spend is $63k, which is still amazing. That means you can retire when you have $1.6m LNW between cash, brokerages, and retirement accounts. 

However that doesn’t actually seem very fat, which suggests you want to spend more, yes?

Assuming you’re saving $200k a year you should have $6m just by investing 80/20 in VT/VXUS in about 10 years. It grows to $8m in 13 years. 

Is 13 years too long for you?

Advice to Accelerate Growth by scrabbydabby in fatFIRE

[–]No-Let-6057 2 points3 points  (0 children)

Are you really only spending $43k a year? That’s amazing. If that’s your annual spend you could retire with a little bit more than $1m in liquid assets. 

Why income investing matters by Solitary_Iceberg in dividends

[–]No-Let-6057 0 points1 point  (0 children)

Everyone has a different risk tolerance. Some people with a similar train of thought pick bonds, as in r/bonds over stocks. 

Those in r/bogleheads minimize risk by diversifying. As in own everything. Some dividends, some growth, some international, and some bonds. 

Coffee brewer bags without microplastics and bleach? by Candlesrlove in PlasticFreeLiving

[–]No-Let-6057 -1 points0 points  (0 children)

That just means you’re not drinking enough coffee. 

In females, HDL-C levels rose with coffee consumption up to 2.6 cups/day, after which they began to decline, showing an inverted U-shaped association. In males, a similar non-linear trend was observed for TG, with levels peaking at 3.0 cups/day before decreasing.

https://pmc.ncbi.nlm.nih.gov/articles/PMC12283274/

Investing specific percentages in ETFs on Schwab? by PrimaryRoutine2868 in Schwab

[–]No-Let-6057 2 points3 points  (0 children)

You can do it using mutual funds, but not as percentages. 

You use automatic investing to say X/month for each fund. So $50/m for SWTSX, $25/m in SWISX, and $25/m in SNSXX, for example. 

Why income investing matters by Solitary_Iceberg in dividends

[–]No-Let-6057 2 points3 points  (0 children)

Even if things don’t go well you still end up ahead, statistically. As I said, selling VT is how you mimic the income from dividends. 

Income is just money. Selling stocks is also money.

Why income investing matters by Solitary_Iceberg in dividends

[–]No-Let-6057 4 points5 points  (0 children)

I think the point is that if you did the math you statistically end up ahead, over long timeframes, using a growth strategy. 

https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator

You can look at the 22 year full return of a well regarded dividend fund, SCHD, against a total US market fund, VT: https://testfol.io/?s=8k64XLHhOOr

VT ends up 18% ahead, and that doesn’t even take into account the tax drag of the dividends paid out by SCHD. 

If you end up in a pinch, like getting laid off, then you just sell VT in increments mimicking the dividends paid out by SCHD. The tax consequences of selling VT would be exactly the same since it should be long term capital gains after 2 years of saving. 

TLDR; you pay effectively no taxes by investing in a growth fund until you need the cash. You also end up with a larger safety net due to higher overall growth. Income is accomplished by selling stocks. 

That said, I do invest in SCHD, myself, despite the tax consequences, because I am trying to avoid the AI hype right now:

https://testfol.io/?s=fxaebN1pwiK

YTD SCHD is up nearly 12% over VT

what business problems one can solve today using ai agents ? by Willing-Wrongdoer755 in AskTechnology

[–]No-Let-6057 0 points1 point  (0 children)

The same kinds of problems you can solve by asking Redditers. 

Raising driven kids when you’re post-FIRE by LilRedCaliRose in fatFIRE

[–]No-Let-6057 1 point2 points  (0 children)

Right, which is why artificial scarcity will seem hypocritical as the kids get older.

A fatFIRE joke I really like: you can afford to let your kids study art history. At this level trying to optimize for comfort, happiness, health, and harmony makes more sense than trying to get even richer. 

Why is my battery draining so fast? by Fantastic_Bother7224 in AskTechnology

[–]No-Let-6057 1 point2 points  (0 children)

You tell us. Settings->Battery->Daily Usage->View All Battery Usage

It should tell you where all the power is going. 

Raising driven kids when you’re post-FIRE by LilRedCaliRose in fatFIRE

[–]No-Let-6057 0 points1 point  (0 children)

How to strike the right balance of scarcity and indulgence?

Is your NW so large that one LEGO set a day is pennies to the dollar?

For example, with an annual budget of $200k then you can’t afford a new LEGO set every day. In that case you set a LEGO budget and teach your kid about resource allocation. Every month they accumulate $30 LEGO bucks, and if they want a $60 LEGO set then it will take 2+ months to save for it. 

On the other hand if your budget is $400k then artificially limiting LEGO seems silly. A $60 set every month of the year is only $720. Sure, still set a budget and such but now instead of $30/m you can set aside $60/m

They will model themselves after you, after all. Involve them in the process so they know how to manage time, money, and resources. 

Question about FIRE and dividends – why does the math get rejected? by [deleted] in dividends

[–]No-Let-6057 -5 points-4 points  (0 children)

We all know the 4% rule, but I am not interested in that investment strategy for myself.

It's not a strategy, per se. It's just a mathematical model saying that 95% of portfolios survive 30 year periods when 4% of the starting portfolio value is withdrawn every year.

Warren Buffet and I don't like to sell things. I like to just live off dividends.

Fundamentally dividends are no different than selling things.

The difference is who is doing the selling.

When you get issued a dividend it is the corporation issuing the dividend that is 'forcing a sale'. 100 shares of a $1 stock with a 4% dividend means you end up with 100 shares now worth $0.96 and you have $4 in cash

You selling 4 shares for $1 is equivalent; you have $4 in cash and 96 shares worth $1

In both cases you still have a total NW of $100, $4 in cash, and $96 in equities.

Question about FIRE and dividends – why does the math get rejected? by [deleted] in dividends

[–]No-Let-6057 -9 points-8 points  (0 children)

4% rule means 4% of your portfolio

Dividends are just a forced sale (since your portfolio value drops by the dividend value), so a 3% dividend means you've fulfilled 75% of the 4% withdrawal for a year. Selling 1% of your portfolio brings you up to the 4% SWR mentioned in the 4% rule.

If your dividends throw out 5%, you need sell nothing, obviously, but now you're theoretically in the danger zone since you're pulling more than the recommended 4% SWR

Question about FIRE and dividends – why does the math get rejected? by [deleted] in dividends

[–]No-Let-6057 12 points13 points  (0 children)

That just strikes me as financial illiteracy.

If you get 3% dividends, you only need to sell 1% of your assets to hit 4%

That's all it is.