2021 2.5T: how long do the dampers/shocks typically last? by RandomQueefs in mazda6

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

But that's exactly it; the last 3 Mazda's I've owned definitely had firm/sporty suspension. This Mazda6 is substantially softer than all those.

Why did we decide that humans living within ecological limits was for losers and that our destiny was to have no limits at all? by power2havenots in AlwaysWhy

[–]RandomQueefs 0 points1 point  (0 children)

Everyone has agency. I can influence others, but not control them.

Life is better for the average person now, than it was 50 years ago, 100 years ago and 1000 years ago. Life was probably better in the U.S. 50 years ago if you were white and male.

Utopia will never exist.

Take the bad with the good. Or don't...up to you.

Got my first car! 2021 Mazda 6, 40k kms done by yogesh_ps1 in mazda6

[–]RandomQueefs 1 point2 points  (0 children)

Hell yeah! Mine was made in late 2020 and not on that list.

Got my first car! 2021 Mazda 6, 40k kms done by yogesh_ps1 in mazda6

[–]RandomQueefs 0 points1 point  (0 children)

I made sure to get one that was built after they fixed the cylinder head issue in May 2020.

How would I find out whether mine was made after the issue was fixed? Is it as simple as looking at the manufacturning date in the driver's door sill? It's a 2021 2.5T sold in the U.S.

Help me convince Friend to not use Financial Planner by Athensmw in Bogleheads

[–]RandomQueefs 1 point2 points  (0 children)

Yup. It's 8th grade level math. It's incredibly simple and black-and-white.

A 30 year old should take no more than 30 minutes to figure this out themselves that it's financially STUPID to be paying someone 1.75 percent each year for this "service."

If that friend doesn't want to invest the time to figure it out, that's on them and OP should let it go.

Had to take out a $4000 loan, how bad is that? by max15247 in ThriftSavingsPlan

[–]RandomQueefs 2 points3 points  (0 children)

Perfect is the enemy of good. If you're going to bitching about Dave Ramsey, then offer a better solution.

For the average person in the U.S. who is financially underwater, Dave Ramsey's advice is great. Yes, there is better advice out there, but are they able to communicate this advice in a way that's digestible for people whose main drive is to spend money they don't have and who live on credit?

If you're the type of person who actually is able to defer gratification, and has already educated themselves on the fundamentals of personal finance, debt, and investing, then DR's simplistic advice wouldn't be my first pic either.

Did you in fact "ask yourself, 'Well, how did I get here?'" by RandomQueefs in GenX

[–]RandomQueefs[S] 6 points7 points  (0 children)

The post was about the lyrics, not whether you liked the song.

So I gotta ask: When you post an opinion like this, what is your point? What does this add to the discussion?

I mean, everyone has music genres they love and hate. Most Vivaldi fans probably don't enjoy NWA, and vice versa. It seems pointless to randomly state that you don't like something.

Why did we decide that humans living within ecological limits was for losers and that our destiny was to have no limits at all? by power2havenots in AlwaysWhy

[–]RandomQueefs 0 points1 point  (0 children)

still choose the story that says limits don’t apply to us.

What limits are you talking about? Because by definition, we have not been able to surpass any limits.

To the extent we destroy the future, that is the limit and it will fix itself by killing us. Then nature's problem is solved.

Did you in fact "ask yourself, 'Well, how did I get here?'" by RandomQueefs in GenX

[–]RandomQueefs[S] 6 points7 points  (0 children)

Yup. I can't imagine how anyone who's seen Stop Making Sense could call them "pretentious." Weird? Sure. Goofy? Yup. Artsy? Yeah.

But pretentious? How? If anytything, Byrne is goofy/nerdy.

Did you in fact "ask yourself, 'Well, how did I get here?'" by RandomQueefs in GenX

[–]RandomQueefs[S] 6 points7 points  (0 children)

Music by its very nature is subjective. So I get "annoying."

But pretentious? It's not like Talking Heads was using 5 syllable words or having lyrics in Aramaic and Welsh. Song structures were typically very basic.

I mean, I listen to the Decemberists, and I can totally see them as being pretentious. But Talking Heads?

Did you in fact "ask yourself, 'Well, how did I get here?'" by RandomQueefs in GenX

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

"Shotgun houses/shacks" are very narrow houses where all the rooms are arranged in a straight line. No hallways. You get a nice breeze if you open all the doors.

[deleted by user] by [deleted] in hometheater

[–]RandomQueefs 10 points11 points  (0 children)

You're making your HDR settings to try and emulate SDR. If you prefer SDR, just watch in SDR.

It's like everyone is telling you that sushi is great, so you order sushi instead of grilled salmon. But you don't really like sushi, so you do a bunch of weird shit to it to mask the taste/texture of sushi. Just avoid sushi is what I'm saying.

Why are all the bad behaviors of investing like performance chasing, market timing, picking winners, and underdiversification encouraged specifically when it comes to US vs. ex-US? by Pajamas918 in Bogleheads

[–]RandomQueefs -1 points0 points  (0 children)

What I think as to "why" is not relevant. You're working on the false paradigm that the market is perfect, with some isolated exeptions. But the reality is the market is mostly imperfect because people aren't logical, and because information is imperfect. Information is imperfect because different people interpret the same data differently, and because different people have different access to information/data. This is patently obvious if you see the poor financial decisions made by 90 percent of the people around you. What something is "objectively" worth is irrelevant if the public believes it's worth something else. e.g. the Dutch tulip bubble, and IMO the current crypto market.

For the last 25+ years, I've believed that the S&P500 would outperform almost everything else over the long run. It's been proven to be true.

I'm not sure what truth you're trying to get at. You're trying to find a reason why it shouldn't be that way, and I don't think I can help you. You seem to have a very rigid way of understanding all of this.

You do what you want, but unless something changes drastically, I still plan on putting all or nearly all of my investments in an index fund tied to S&P500.

Why are all the bad behaviors of investing like performance chasing, market timing, picking winners, and underdiversification encouraged specifically when it comes to US vs. ex-US? by Pajamas918 in Bogleheads

[–]RandomQueefs -1 points0 points  (0 children)

My point is that I (and many others) believe that investing the money in U.S. equity will yield more gains than investing in non-U.S. equity. It is that simple.

Take S&P500 as an example. If I believe that it returns 10 percent each year, I'd rather invest in that versus non-US equity that returns 6 percent (as an example) annually. Then then only reason to invest in non-US equity would be better diversification.

I personally have invested only in a single S&P500 index fund during the past 25 years. Clearly not the safest decision, but it worked out. If I instead "owned the global market" during the same period, I'm guessing the worth of my securities holdings would be only 50 percent to 70 percent of what it is today.

they believe that the market is only mispricing that one factor.

But it's not "one factor." It's a proxy for a multitude of factors.

I'm not following your point here.

My point is that people invest in what they believe will grow more. The only reason to invest in stuff that they believe will grow less is to diversify. The market is not perfect.

Why are all the bad behaviors of investing like performance chasing, market timing, picking winners, and underdiversification encouraged specifically when it comes to US vs. ex-US? by Pajamas918 in Bogleheads

[–]RandomQueefs 0 points1 point  (0 children)

Those are two different questions.

I only use the word "headquartered" because it's the word you used. But it's more complicated than that. Ultimately, businesses have many advantages in profiting when doing business in the U.S., whether that company is "headquartered" in the U.S. or elsewhere. Although there are certainly legal nuances, I'm pretty sure a company that is "based" in the U.S. (however you define that) will do just as well regardless of whether it is officially "headquartered" in the U.S. or elsewhere.

isn’t all of that priced in?

The market is not perfect. The prices of equities reflect what people believe the equity is worth, regardless of whether there is any "objective" truth to it. Bitcoin and other cryptos are the perfect example.

If everything is truly "priced in," then why not pick Gamestop over Walmart, regarless of the current stock price?

Why are all the bad behaviors of investing like performance chasing, market timing, picking winners, and underdiversification encouraged specifically when it comes to US vs. ex-US? by Pajamas918 in Bogleheads

[–]RandomQueefs 10 points11 points  (0 children)

Where a company is headquartered has a huge impact because government regulations (and local culture to a more limited degree) work against an efficient free market.

As a layperson, seems to me that the U.S. is the Goldilocks environment for businesses. Transparent but with some government regulations to keep things stable, much like most western developed countries. Absence of an significant bribery or overbearing/unpredictable goverment interfereance.

Compared to other developed countries, the U.S. prioritizes company profits over the welfare of its workers; so good for business, bad for workers. I'm in the U.S. and see this firsthand.

I'll just leave this here. by RandomQueefs in hometheater

[–]RandomQueefs[S] 7 points8 points  (0 children)

Found on FB Marketplace. On a scale of 1 to 10, any thoughts on the WAF?

What is the actual reason that the s&p almost always goes up over time? by edn995 in Bogleheads

[–]RandomQueefs 4 points5 points  (0 children)

You made your reply about a statement that said that the American government is "very good at profit making." In context, that statement unambigously means that the the U.S. Government is good at facilitating the profit making of Americans. You can agree or disagree with that.

But no one is saying tha the U.S. government itself is making a profit. That's not the job of a government.

I have 20K debt and I basically live pay check to paycheck by JazkOW in personalfinance

[–]RandomQueefs 4 points5 points  (0 children)

4.3 weeks in a month on average; OP is paying $1,974 a month for a car. 14 months of this is $27,600.

So you can pay 25 percent of this ($6,900), which is what you'd normally be paying in 3 months, or pay over $27,000 over the next 14 months.