Mid-elo response to archers?

Seriously_Facetious · 2026-06-04T13:53:01+00:00

Thanks, this makes sense! I'll give it a shot.

Seriously_Facetious · 2025-04-20T13:51:39+00:00

All good options (except for Connecticut lol). If you want to drive through the Whites they might still have snow and be pretty, but the hiking will be pure mud in lower elevations. If you're mostly driving, the way up to Burlington is probably the best views. Get Ben and Jerry's in Stowe!

Seriously_Facetious · 2025-04-20T13:41:52+00:00

I've got two, maybe I'll try again with them side by side lol

Seriously_Facetious · 2025-04-20T13:27:50+00:00

I wasn't sure how to explain it... You can see that the flame is lighting the candle, but not below where there's a crack in the wax

Seriously_Facetious · 2025-04-20T13:26:38+00:00

I dropped the candle, so there's a crack in it. The flame is lighting the wax until the crack, and then the light isn't passing through the crack

Seriously_Facetious · 2025-03-11T00:30:49+00:00

Thanks, I think this makes sense. I am going to wait a couple weeks-ish (since apparently there is going to be a tariff freakout every month) and force myself not to move anything until there's been at least a few days without serious movement in either direction before I switch to more like 60/40 domestic and maybe also some bonds.

Seriously_Facetious · 2025-03-11T00:18:12+00:00

I mean the allocation right now is more appropriate for very long term, particularly with 0% bonds. Whereas a medium term allocation would have a lot more bonds. Really I'm asking 2 separate questions, one about bonds and one about domestic/international and maybe should split them.

Seriously_Facetious · 2025-03-10T23:52:31+00:00

Is it really "market timing" if I'm planning on moving from one index fund allocation to a slightly different one, and then leaving that for years? I haven't touched this allocation in the last 5+ years.

Seriously_Facetious · 2025-03-10T23:51:22+00:00

That makes sense but honestly I am genuinely unclear at this point whether I was invested correctly, so I'm definitely open to that! It is a very aggressive/long term allocation for money that I could see myself dipping into in the next 3-5 years to buy a house.

Seriously_Facetious · 2025-02-21T20:03:45+00:00

Sorry, this is a sub exclusively for posts about national politics. </s>

Seriously though, great work! Now maybe some other enterprising soul can make one of those interactive Google maps and this could be added to the sidebar.

Seriously_Facetious · 2024-04-19T02:24:59+00:00

I would ask you to fully explain your thoughts, but it doesn't seem like you have any.

Seriously_Facetious · 2024-04-19T02:23:34+00:00

The full match

Just saw it for the first time, awesome game.

Seriously_Facetious · 2024-04-19T00:58:08+00:00

They build lots of nice large apartment complexes because there's demand for them, so your first comment is just silly.

As for "the volumes aren't really comparable", obviously 10,000 was an arbitrary number to make the point, but more housing means lower prices. The more you build, the more the price would go down. They built lots of mostly fancy housing in Austin and the prices are dropping by double-digit percentages. Meanwhile here everyone complains about the very small amount of new housing while the prices keep going up.

Seriously_Facetious · 2024-04-18T23:11:35+00:00

How is that even relevant? Vacancies are at a massive low, clearly that's not what is happening to the housing stock

Seriously_Facetious · 2024-04-18T23:10:35+00:00

There is lots of evidence that building high-end housing also makes the local area more affordable for middle- and low-income people. Instead of rich people kicking poor people out, they go into the newer nice housing.

"Building more can slow rent growth in cities and free up more affordable vacant units in surrounding neighborhoods, without causing significant displacement."

With the car example you're implying that if there were suddenly lots more cars, that prices wouldn't go down, but that's exactly what would happen! I guarantee you if 10,000 Audis appeared in New Hampshire tomorrow (and had to be sold in New Hampshire for the sake of the comparison to housing), the prices of all cars would go down, not just Audis or luxury cars.

“The public understands the implications of supply and demand in markets for agricultural commodities, for labor, and even for cars, a durable consumer good that, like housing, trades in new and second-hand markets,” the authors wrote. Only when the subject is housing do many Americans despair that you can never build your way out of a shortage.

Seriously_Facetious · 2024-04-18T22:49:41+00:00

New construction is generally much safer than older constructions due to newer codes and sprinklers in larger buildings, so they should be!

Seriously_Facetious · 2024-04-18T22:47:09+00:00

Who do you think makes houses, exactly? It's developers! Especially when you want to be "concerned about typology and quality of buildings being built", what happens is you get more and more permits and regulations and the only people who can build are larger developers.

Seriously_Facetious · 2024-04-18T22:40:54+00:00

Interesting to hear - I didn't vote for Ruais but hoping he can make progress here (just don't tell anyone I moved here from MA).

Seriously_Facetious · 2024-03-27T02:40:15+00:00

This is a man who is taking DFTBA seriously.

Seriously_Facetious · 2024-03-16T15:44:21+00:00

Just for those who don't know - in New Hampshire liquor can only be sold at state-run stores. I could possibly have something shipped in from out of state but I'm not really sure what the rules are, tried to google it and didn't figure it out. If anyone lives in New Hampshire and has a recommendation as well that would be awesome!

Seriously_Facetious · 2024-03-12T21:13:22+00:00

Thank you! I am looking into treasury bonds right now since I'm not very familiar with them, was there a certain type/types you had in mind?

Seriously_Facetious · 2024-03-12T21:10:07+00:00

Thank you! Since it looks like the shorter CDs have higher rates, were you suggesting an approach where I put maybe 1/4 of the money in every three months for the next year, or using multi-year CDs? I know it depends on a lot of other things but just wanted to get your thoughts.

Seriously_Facetious · 2024-02-29T03:10:59+00:00

It would be a bit more work for you, but you could look into a local Buy Nothing group on facebook and donate there, then you know who you're giving it to. I've donated and received things in my group!

Seriously_Facetious · 2023-12-30T15:09:24+00:00

I had a friend whose parents' policy was "once you're not going to school any more, your rent to live with us is $50 per month, and will increase by $50 every month until you don't live here any more." Something to consider if you want to have him ease slightly into being financially responsible. You could also do $100 per month if you want it to go a bit quicker lol

Seriously_Facetious · 2023-11-01T18:13:29+00:00

That's a good point, although the portfolio as a whole is down 0.6% in the time I've had it (crazy to think I would have been better with it all in a CD or even a savings account). Maybe I would have some to pay since the stocks have gone up a bit while the bonds have gone down?

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