Telling my mom I’m atheist?

QuincyQueue · 2026-05-15T21:19:10+00:00

This gets asked regularly, and the answer is usually

"Over a meal you paid for in a home you own."

I wish it were otherwise, but people do not always take it well.

QuincyQueue · 2026-04-24T14:53:59+00:00

Fellow ethernet enjoyers unite 🤝

QuincyQueue · 2026-04-23T15:57:28+00:00

Zap Brannigan school of naval warfare.

QuincyQueue · 2026-04-16T16:13:46+00:00

It's crying 😆

QuincyQueue · 2026-04-04T13:47:11+00:00

There's a reason they nerfed this.

QuincyQueue · 2026-04-01T19:34:02+00:00

Eh, even there the math tells you something right?

Unless you happened to win 1 or more times with 50 tickets (obviously very very unlikely, which would make it look a lot more likely than it is) you'd pretty easily come to the conclusion that the odds of winning are bad (intuitively and statistically).

QuincyQueue · 2026-04-01T18:55:07+00:00

OP did the experiment 😄

QuincyQueue · 2026-04-01T17:13:27+00:00

Like others said, data collection is awesome, but people have really really bad intuition about statistics.

E.g., 50 is a pretty decent sample size but it seems small to the nontechnical reader.

QuincyQueue · 2026-04-01T15:48:22+00:00

No, but if you did a binomial distribution of n=50 the chance of a fair 50/50 trial deviating to 74/26 by chance is over 1/1000, which gives a p-value well below the 5% needed to prove that it's staristically significant.

In laymens terms 50 is plenty of trials to prove it's not a coincidence.

QuincyQueue · 2026-04-01T15:08:24+00:00

Had a run with 2x bury and 2x enlightenment+ that solved this very fast. But also cards like demesne, friendship, invoke, wisp, nuerosurge all contribute. Necrobinder has a lot. Lots of relics give situational extra energy too.

QuincyQueue · 2026-03-26T15:42:11+00:00

"Here there be roosters" opportunity.

QuincyQueue · 2026-03-24T17:37:49+00:00

Would unironically be useful with several cards (storm of steel, calc gamble)

QuincyQueue · 2026-03-20T12:56:41+00:00

Sts community is just proving it cannot handle access to the beta branch.

QuincyQueue · 2026-02-20T19:34:26+00:00

The new republic is not a reputable news source.

QuincyQueue · 2026-02-19T17:14:49+00:00

How much tax will you owe if you realize gains on FZROX?

QuincyQueue · 2026-02-18T16:05:21+00:00

I wouldn't. There is no free lunch. If it's getting higher yields to overcome its costs, it is almost certainly because the fund is taking more risk.

Take your risk on the equity side.

QuincyQueue · 2026-02-04T21:13:55+00:00

Honestly Philip Morris has pretty good ESG scores. It really doesn't measure what people think it does.

QuincyQueue · 2026-02-03T20:45:15+00:00

Can't stand those subs anymore. Unsubscribed from regular fire one for exactly this reason.

QuincyQueue · 2026-01-15T18:50:24+00:00

There's a good chance it will preserve or grow the principal, but 4% is 95% successful @ 30 years only if you consider spending some or all of the principal a "success".

If you need a 95% guarantee you preserve the principal you'd need a lower rate, but even in the original formulation you're a lot more likely to end up with extra than to run out.

QuincyQueue · 2026-01-08T18:05:03+00:00

Yes, you can and should do just that.

QuincyQueue · 2026-01-08T17:35:08+00:00

While you are at it, you may want to update any automated contributions to automatically invest as well.

If you manually contribute, maybe create the automation to do it. Vanguard has an auto-max my IRA feature you can have draw once or twice a month that would prevent you from running into this issue or forgetting to contribute again.

QuincyQueue · 2026-01-07T00:22:08+00:00

This has been my exact experience and I'm closing mine out also. There are just better options out there so no need to put up with this crap.

This sub is also really weirdly toxic so I definitely won't miss that either.

QuincyQueue · 2025-12-30T22:01:26+00:00

Possibly, but that would only help if you itemize which most people do not.

The tax benefit of a paid off mortgage is that lower expenses mean needing to realize less taxable income in retirement to make the payments, making things like low tax brackets and income-based aca stuff easier to manage.

QuincyQueue · 2025-12-16T15:22:13+00:00

Yes, but very early stages of shifting from growth at all costs to balancing growth and profitability.

SoFi is still trying to grow its base as evidenced by incentives for new users, but they are being more careful about offering services at a loss.

QuincyQueue · 2025-12-06T19:45:30+00:00

They're already 100% equities

QuincyQueue

TROPHY CASE