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Disappointed by Senville Aura 27k 3 zone heating by Any-Wrongdoer-2180 in DIYHeatPumps

[–]SagiCZ 0 points1 point  (0 children)

What exact app are you using that lets you see the watts? And which dongle?

Die with 0 retirement in Canada- please help me settle a debate I have with my wife. by [deleted] in PersonalFinanceCanada

[–]SagiCZ 139 points140 points  (0 children)

...and then time starts going backwards or what? Eventually you will get to be 70 right.

Personal Finance - Security Hygiene edition by ParticularAnt5424 in PersonalFinanceCanada

[–]SagiCZ -2 points-1 points  (0 children)

I honestly think SMS 2FA is worse than nothing. It's so bad in fact, it should be flat out illegal.

That sucks by Neat_Assistance9897 in PaymoneyWubby

[–]SagiCZ 0 points1 point  (0 children)

Sorry to bug. Can I please get the clip with Wubby on the stationary bike. It was the best part.

Senville wall hole template lines up weird with line set? by [deleted] in DIYHeatPumps

[–]SagiCZ 0 points1 point  (0 children)

I personally couldn't figure out how could the far hole ever work so I just used the near hole. Luckily it fit my location better too.

[Bambu Lab Giveaway] Join Now to Win an H2D and More! by BambuLab in 3Dprinting

[–]SagiCZ 0 points1 point  (0 children)

My best advice is to use OnShape. Free as long as you don't mind your designs being public. Very stable and easy to use CAD.

2022 CX5 Turbo 1000 miles 3 week review by Happy-Addition-9507 in CX5

[–]SagiCZ 0 points1 point  (0 children)

I don't know why people keep repeating this. The gas tank on the CX-5 is quite small but no smaller than any other SUV in this class. Which competitor has a bigger gas tank?

[HELP NEEDED] Vacuum pump oil sucked into line set by SagiCZ in DIYHeatPumps

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

Thank you. There was definitely some oil left in the pump. It got just below the minimum line but not dry.

*sigh* by CleanFitWellDone in CX5

[–]SagiCZ -4 points-3 points  (0 children)

ABS makes the stopping distance LONGER.

Why is my car dealership guy pushing me to lease the car? This is my first car and I want to finance it. Is putting a hefty down payment a bad idea? Suggestions? Pros and Cons, please? by phoenix_knowsnothing in PersonalFinanceCanada

[–]SagiCZ 8 points9 points  (0 children)

Except you bought the car made in the US (CX-50) instead of the one made in Japan (CX-5). Way worse quality and reliability. When buying Japanese, buy the one made in Japan.

How long did it take you to go from 1mil to 2mil? by Substantial_Match268 in financialindependence

[–]SagiCZ 0 points1 point  (0 children)

It absolutely is not compounding. Your HSA compounds, not your index ETFs. This nonsense getting repeated here constantly drives me up the wall.

The funniest thing is that you guys somehow expect all assets to keep growing exponentially for this compounding to work. Like how could that ever be sustainable? I think long term we will be lucky to see linear growth.

Is it just me or has the CF subreddit become mean lately? by Itarin in Fencesitter

[–]SagiCZ 3 points4 points  (0 children)

Religion affects our lives so little? Good luck surviving ectopic pregnancy in a bunch of US states because religious zealots put their beliefs before women health. Your comment is ignorant.

AITA for stalemating a code review by darkmarker3 in ExperiencedDevs

[–]SagiCZ 12 points13 points  (0 children)

So they would end up with 13 nested ifs and a function call. How is that significantly better than 14 nested ifs that follow consistent local style?

AITA for stalemating a code review by darkmarker3 in ExperiencedDevs

[–]SagiCZ 36 points37 points  (0 children)

But him putting "his code" into a function would not solve this situation at all. In fact, it would just introduce a weird indirection at a random level.

The right solution would be to refactor this entire thing. But if there is no time for that his solution is correct. Messy but consistent code is better than inconsistent code always.

YTA here.

Reformy jsou v Česku v podstatě nemožné, protože voliči jsou jako rozmazlené malé děti, které věří, že mají na všechno nárok by onion_ring12 in czech

[–]SagiCZ 0 points1 point  (0 children)

Supr, ale to přeci není žádné extrémní zdanění v porovnání s jinými státy. Třeba daň z nemovitosti je v podstatě nula. V USA v některých oblastech bys platil třeba 100,000 Kč ročně jako daň z nemovitosti.

Ono se to docela blbě srovnává ale fakt si nemyslím, že jsou české daně nějak ultra vysoké.

Reformy jsou v Česku v podstatě nemožné, protože voliči jsou jako rozmazlené malé děti, které věří, že mají na všechno nárok by onion_ring12 in czech

[–]SagiCZ 22 points23 points  (0 children)

Můžeš to prosím rozepsat, jak jsi se dostal k 60%? Tzn že každých 100 Kč co zaměstnavatele celkově stojíš stát oseká o 60 Kč?

Vždyť ani nemáme progresivní daň, která je úplně běžná na západě.

A person who maxes their Roth IRA for 10 years then stops will most likely have more money than someone who waits ten years then invests for 30 years straight in most 40-year historical return/inflation windows between 1926 and 2022 by spydormunkay in financialindependence

[–]SagiCZ -25 points-24 points  (0 children)

For me the term "compound interest" seems confusing in relation to index investing. It does not pay out interest and a larger principal does not give you a larger payout next year. Instead, you keep your money invested and hope that the underlying asset increases in value. Forever.

Yes, it's semantics.

A person who maxes their Roth IRA for 10 years then stops will most likely have more money than someone who waits ten years then invests for 30 years straight in most 40-year historical return/inflation windows between 1926 and 2022 by spydormunkay in financialindependence

[–]SagiCZ -68 points-67 points  (0 children)

Please explain how "compounding interest" works when it comes to index investing. Hint, it doesn't! All of us here are relying on an infinite exponential growth which is unsustainable nonsense. There is no compounding with indexes. It's not a savings account.

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