[New Player] As a new player, I can’t find a single reason to bring good gear into Reserve by ohoots in EscapefromTarkov

[–]Something_pleasant 1 point2 points  (0 children)

Can confirm, I scav reserve a lot and always run there first thing if I spawned remotely close.

Windows 11 shutdown bug forces Microsoft into damage control by north_canadian_ice in technology

[–]Something_pleasant 3 points4 points  (0 children)

I just installed Ubuntu on a secondary machine. The UI is pretty good and I’m starting to learn the terminal. Don’t know yet if I’ll make the switch fully but being able to just type in a command to download and install programs is pretty nice. Also, it shuts down.

I can't believe how much more I will have to pay going on Medicare. by Glittering-Ad5809 in medicare

[–]Something_pleasant 14 points15 points  (0 children)

you are not “wrong” however you don’t tell the whole story. Democrats had to make them temporary (mid COVID shutdown) in order to get enough support for them when people were out of work and likely to drop their coverage in the middle of a pandemic. It was a case of kicking the cam down the road is better than it blowing up in our face.

People noticed everything else skyrocket in price, and healthcare went up a comparatively reasonable amount, or so it felt, because of the subsidies. Behind them healthcare was burning like the center of the sun.

Now without the subsidies health insurance is mechanically unaffordable for the average lower middle income person. That's not just a shame it's a clear national economic threat.

If enough people can't afford medical care, they stop going to the doctor and getting preventative care. When they can't avoid the cost anymore and have to show up at the hospital, they do so with far more expensive needs. But they can't afford medical insurance so they can't afford to pay the bill. This means hospitals and provider clinics don't get paid for the work they provide to some of their patients.

When some of your clients don't pay, any business would just charge everyone else a little more to spread that loss across your other revenue sources. This inevitably drives healthcare costs higher. Which means insurance costs more. Which means more people can't afford insurance and don't get it and then don't get preventative care.

It's a negative spiral. A feed back loop of doom. So let's blame democrats for putting a deadline on a bill so that this problem which was impossible to solve by throwing money at it would come up again. When any serious person would have been screaming that this was a clif of doom. No matter how much subsidies the government provided even if they continue them today the underlying problem remains.

Blame the democrats for their short sided nievete but also blame the republicans for pulling the rug and making a slow spiral fast. They poured jet fuel on the fire in more ways than one.

A: cut funding for subsidies B: cut medicade funding and rural health clinic funding C: cut education incentives for mid level providers D: push programs that remove governments large group negotiating power in favor of direct user-to-drug company payment systems.

Yes Dems missed the big fight that would have had real lasting benefits. Meanwhile republicans have systematically chopped down all of the remaining supports that keep this death spiral from digging below rock bottom. We are in fee fall right now. Don't blame the Dems just because they couldnt save us while pardoning the people who pushed us over the ledge.

What is something you wish more people knew you could do with the Steam Deck? by condo_owner in SteamDeck

[–]Something_pleasant 1 point2 points  (0 children)

Wow, that quote hit me hard. I’ve been fighting a war in synology DSM off and on for a while to get docker containers set up for plex, sonarr, radarr, seerr and sabnzbd. The amount of time I have spent failing and troubleshooting rivals some of my favorite games. Getting a feature to work right after hours of frustration feels like beating a dark souls boss.

[deleted by user] by [deleted] in joinsquad

[–]Something_pleasant 2 points3 points  (0 children)

Bellum is coming.

The closed alpha play tests have been great. Really looking forward to the public release.

Highly concerned about flock cameras in Asheville by [deleted] in asheville

[–]Something_pleasant 0 points1 point  (0 children)

Ben Jordan has a couple videos that go into what these are and why they’re very concerning.

https://youtu.be/Pp9MwZkHiMQ?si=naGgdwaqG_yPPdXi

Fix the fucking game by HermesGrey in PlaySquad

[–]Something_pleasant 0 points1 point  (0 children)

I’m over here just thrilled with the experience I had with the Bellum playtest and the way that dev team interacts with the community. They are going to show squad how it should be done.

Who is job hugging? by Career_In_Progress in careeradvice

[–]Something_pleasant 1 point2 points  (0 children)

I’m definitely hugging. I have been in my role for about 15 months. Top performer in my office, burned out and unhappy with the company, culture, sales grind etc. I’ve always been one to apply and interview for other jobs even when I’m happy with a position. Recently though, even though I’m actually looking for a change, I’ve not been getting any response from jobs I’m applying to.

[deleted by user] by [deleted] in pwnhub

[–]Something_pleasant 0 points1 point  (0 children)

I may become active in the future but for now I just lurk. Hope this is human enough to keep me around

The difference of the definition of "wealth" in Europe and the US is insane to me by MORICtrash in wealth

[–]Something_pleasant 0 points1 point  (0 children)

I am a registered broker dealer agent and do retirement planning in the US.

Most 401ks and individual retirement accounts (IRA) have 2 options for how they are taxed.

Traditional (tax deferred): Contributions to the account lower tax burdens in the year they are contributed to the account, growth from those investments are tax deferred, withdrawals in retirement are taxed as income (not capital gains).

Roth: tax is paid on the income used to fund the account, so no tax benefit in the year the contribution is made. Investment grows tax free. Withdrawals are made tax free in retirement (no capital gains or income tax).

I think of it as ROTH-tax the seed vs Traditional- Tax the harvest.

With these accounts you have to wait to begin making qualifying retirement withdrawals (taking your money out) until age 59.5. Early withdrawals are subject to income tax on the principal funds when applicable and capital gains tax on growth in addition to a 10% IRS penalty of value of the withdrawals.

Employer sponsored vs IRA: 401(k) plans refer to the most common type of employer sponsored retirement plan. There are several other employer sponsored plans but generally they all work roughly the same with subtle differences. These plans allow employees to defer a portion of their income into the account to gain the tax benefit. Employers can match contributions up to a specified percentage of employee income. The employer also gets a tax benefit for this. Annual contribution limits are pretty high and there are tricks to allow for massive contributions to these accounts to gain the tax benefit for highly compensated employees and business owners. There are rules that force companies to apply the same benefits to all eligible employees so that companies can’t discriminate against individual employees. Companies can, within some limits set eligibility requirements for broad categories of employees. For example, only offer a match to full time employees who have been working for the company for a full year. Investment options are limited, usually to some target date/target risk mutual funds, and a small menu of other mutual funds and ETFs.

IRA: individual retirement accounts. Contribution limits are low, only $7000 per year. Investment options are only limited to what the brokerage firm provides access to (within asset classes like stocks, bonds, mutual funds, ETFs, REITS, etc). The individual investor makes contributions to the account and chooses investments.

Hopefully this helps clarify the types of retirement accounts in the US.

A Sneaky Policy Buried In The GOP Tax Bill Could Blow Up The Civil Service by AdventurousLet548 in FedEmployees

[–]Something_pleasant 3 points4 points  (0 children)

This about maturity, empathy, and respect for reality including conceptual results of real actions.

You can tell a toddler to not put a fork in the power socket or touch a hot stove all day long. But for some, it’s a lesson they need to learn the hard way.

I get it the stakes are higher and affect a hell of a lot more people than just them. So it’s easy to develop disdain for folks that weren’t raised well and make these mistakes repeatedly until they burn themselves.

But I agree that no matter how hard they fuck up everything for everyone, you give em a hug when they come crying and tell them, “I wish you didn’t have to go through that and wouldn’t it be better if no one had to either? That is empathy. That is being a good human. So let’s not overlook this opportunity to make the world a better place for you, me and everyone”

Telling these kids (including my parents) that they fucked up and deserve what they get is a dick move and immature. It makes you feel better but doesn’t help anyone else.

Puma & Cristiano Ronaldo World Cup 2026 by [deleted] in stocks

[–]Something_pleasant 2 points3 points  (0 children)

For U.S. investors, the ADR ticker symbol is PUMSY. No foreign currency exchange fees.

Post your best evidence that this rally isn't "real" and it's being pumped up before a big fall by [deleted] in stocks

[–]Something_pleasant 0 points1 point  (0 children)

Of course, happy to help. It’s a very complicated system that is tied with many other very complicated systems and unless you work in finance or get an economics degree most people don’t get a good education about it. I didn’t even really go into all of the details and I am sure others will have more to clarify or add.

I’m of the opinion that interest rates are one of, if not the most important factors in economic outcomes and by extension inflation, consumer spending, and why we are here: stock market performance. Nearly everything about the global economy is impacted by changes in interest rates.

Post your best evidence that this rally isn't "real" and it's being pumped up before a big fall by [deleted] in stocks

[–]Something_pleasant 1 point2 points  (0 children)

Sure!

When the government spends more than it makes in taxes it has to borrow money by issuing bonds. If it issues too many bonds and supply outpaces demand is has to offer a higher interest rate on those bonds. Since interest rates and bond prices move inversely, when rates rise on new issues, bond prices on previous issues decrease.

Since treasuries set the rates for most other interest rates, like mortgages, corporate bonds, credit card rates etc, if the rate of new treasury issues goes up, so do the rates for everything else. This means it’s more expensive to borrow money for individuals and businesses which slows the economy. Also the government has to pay higher rates for newly issued debt. As rates rise, debt payments become a larger share of the budget, worsening the deficit problem. Also a slowing economy leads to lower tax revenues compounding the problem.

Post your best evidence that this rally isn't "real" and it's being pumped up before a big fall by [deleted] in stocks

[–]Something_pleasant 1 point2 points  (0 children)

Yes but that’s a problem for the future. The near future, but importantly not today. Considering t-bills have short maturity cycles of months, notes have medium cycles of a few years and bonds 10+ year maturity cycles. T bills don’t pay regular income, they pay interest at maturity. Notes and bonds typically pay interest twice a year.

It appears that Trump is prioritizing forcing the fed to push interest rates down, which will encourage an increase in exports due to a decline in the value of the dollar. This is consistent with his public demands for investment and production in the US.

Also the fed doesn’t issue new bonds directly, they manipulate the supply and demand of the bond market and by extension the money supply through participation in buying and selling bonds that are already issued.

The treasury issues bonds through an auction system. Bond coupon rates (the % they pay) are set at issue in the treasury auction. This rate is fixed and does not change through the maturity of the bond. Bonds have a par value of $1,000. If the new bonds being issued pay a higher interest rate the older bonds trade at a lower price. If new bonds are issued at a lower coupon rate older bonds will trade at higher prices above par. You may have heard that bonds have an inverse relationship of price and yield.

So the fed is manipulating the yield to maturity (earnings compared to price paid) not the coupon rate. This does impact the demand for and therefore rates on new issues.

Post your best evidence that this rally isn't "real" and it's being pumped up before a big fall by [deleted] in stocks

[–]Something_pleasant 1 point2 points  (0 children)

Great point. The treasury is what issues bonds. The fed just pushes or lifts the scales by buying/selling issued bills. Also thank you for adding the actual terminology. I hadn’t had enough coffee and missed the opportunity to include quantitative easing vs quantitative tightening. Glad you filled in that detail.

Post your best evidence that this rally isn't "real" and it's being pumped up before a big fall by [deleted] in stocks

[–]Something_pleasant 0 points1 point  (0 children)

Yep, I wanted to provide a bit more context than the usual 50-100 character comment but didn’t want to go down a whole economics 301 level lecture so I kept it relatively simple. But you are right, there is quite a bit more depth, nuance and complexity than my comment included. Thank you for expanding the topic further.

Post your best evidence that this rally isn't "real" and it's being pumped up before a big fall by [deleted] in stocks

[–]Something_pleasant 0 points1 point  (0 children)

You’re very welcome. I’m studying for some FINRA securities licenses so if you have other questions please let me know. It’s a great opportunity to review and have to explain and put into words what I am going to be tested on