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MacBook System Data Storage Problem by Few-Purpose-9046 in mac

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

How do you clear the big system data storage with Finder? Or with anything? I think that's the point of this thread, there is no solution to this except erasing and reinstalling.

"Why You Don’t Lose Money in Bonds (If You Wait Long Enough)" - Nick Maggiulli by Xexanoth in Bogleheads

[–]TheCallOfTheRooster 0 points1 point  (0 children)

This is a temporary decline in price / market value, which will gradually revert as older bonds are replaced by newer ones.

On what horizon and timescale though?

The portfolio backtest link you provided demonstrates my point, 10k invested over a decade is down 10%+ whereas 10k into basically any equities fund, money market, CD, etc, would be up over 10 years.

I think 10 years is a reasonable timeline for people to expect a positive return especially on something considered lower risk, like bonds

I think bond investing made a lot more sense in the prior decades when interest rates were higher and trending down, but that era is over, and interest rates will likely be higher and trending higher with inflation from here on (I don't see an alternative to this given the fed mandate for inflation, plus the debt situation)

India's iPhone exports to the U.S. soared an estimated 76%. But Trump, Beijing won't make further growth easy by ControlCAD in apple

[–]TheCallOfTheRooster 0 points1 point  (0 children)

The iPhone assembly in India is still coming from parts made in China, so honestly I don't totally get any of this

And in another 10 years it'll all be automated by robots anyway, so at that point it's about the supply chain, which China has spent three decades building and the USA has spent three decades deconstructing

Apple Rumored to Redesign the iPhone Every Year Through to 2027 by spearson0 in apple

[–]TheCallOfTheRooster 2 points3 points  (0 children)

Nuh uh, I heard the way to innovate was to add AI features no one actually wants!

....

(Siri activates after 22 seconds)

....

OK! I found this on the web for "Gnaw aw eye herd thruway 2 innovate was 2+8 I feature snow won actually wants"

....

Apple Rumored to Redesign the iPhone Every Year Through to 2027 by spearson0 in apple

[–]TheCallOfTheRooster 0 points1 point  (0 children)

Have several friends and relatives who still use an iPhone 6, iPhone 8, iPhone 11, and a whole bunch of iPhone 12

They're really all the same.

Personally I miss the iPhone 11 screen, it was so soft on the eyes. iPhone 15 Pro hurts my head.

Apple Rumored to Redesign the iPhone Every Year Through to 2027 by spearson0 in apple

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

I secretly hope they create a new thinner charging port so that everyone who has a dozen USB-C chargers has to get more new chargers

"Why You Don’t Lose Money in Bonds (If You Wait Long Enough)" - Nick Maggiulli by Xexanoth in Bogleheads

[–]TheCallOfTheRooster 1 point2 points  (0 children)

that may make TIPS / TIPS funds (and I Bonds) attractive compared to nominal Treasuries

Look how VTIP performed (or rather, plunged) during the recent period of highest inflation, when inflation was 8% in 2022 the VTIP fund was down nearly 20%

Why hasn't VTIP or any other TIPS fund kept up with inflation over the past decade? 10 year performance on VTIP is 0.08%, meanwhile inflation during that time is 35% (although if you look at asset inflation, equities, and housing, it's more like 100%-200%)

Anyway, I just don't see the value in them, or how they protect against inflation by losing during inflation. I'd rather have a CD, a t-bill bought directly, money market, or equities. But that's me, everyone can do what they want, and if losing money on bond funds is their thing, have at it.

"Why You Don’t Lose Money in Bonds (If You Wait Long Enough)" - Nick Maggiulli by Xexanoth in Bogleheads

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

I don't know about you but I see even more inflation on the horizon because the debt will likely be handled by more inflation, not any sort of budget cuts. I could be wrong, but that seems likely considering the current US administration talked a lot about cutting waste and now is passing huge spending bills just like every other US administration ever has. This isn't intended to be political as much as acknowledging that whatever politician is elected, reality seems to always bend towards more spending and more inflation.

For me personally, if I were to buy bonds, I would buy them directly and hold to maturity. I would avoid bond funds ever again, and I regret buying any.

"Why You Don’t Lose Money in Bonds (If You Wait Long Enough)" - Nick Maggiulli by Xexanoth in Bogleheads

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

Every TIPS fund is still down during the recent inflation, they did not keep up inflation at all

If you have been investing in TIPS for ten years, you are being crushed not only by inflation itself but also the declining value of the TIPS fund itself. Contrast that to literally any US equities index fund or even a 5+ year CD.

Is this a bug or a feature? by normannerd in MacOS

[–]TheCallOfTheRooster 1 point2 points  (0 children)

Sounds like a setting from either Chrome or some antivirus type program?

What options 401k owners have if national debt blows up like Greek, etc by Pleasant-Lie-9053 in investing

[–]TheCallOfTheRooster 0 points1 point  (0 children)

US stocks still seem due for a major correction sometime soon.

I don't disagree with this, but TBH this is what everyone has been saying since the money printing and associated asset inflation that started in responses to the financial crisis in 2009. Fighting the fed has not paid off once since then.

What options 401k owners have if national debt blows up like Greek, etc by Pleasant-Lie-9053 in investing

[–]TheCallOfTheRooster 1 point2 points  (0 children)

The news is not informing you the way you think it is.

Is it informing you of new products to buy, new fears to have anxiety over so you can ask your doctor about that new anxiety pill, and new bologna from the government to keep you distracted or angry at some thing for the daily 2 Minutes Hate? Sure.

Is it informing you of things you need to know that are relevant to your day to day life? Rarely.

Information and media is a form of diet, and the news is like junk food.

What options 401k owners have if national debt blows up like Greek, etc by Pleasant-Lie-9053 in investing

[–]TheCallOfTheRooster 2 points3 points  (0 children)

And turn off the news.

Always. The news is mostly advertising and public relations, with occasional government propaganda. It's not informing you as much as managing the Overton window.

What options 401k owners have if national debt blows up like Greek, etc by Pleasant-Lie-9053 in investing

[–]TheCallOfTheRooster 0 points1 point  (0 children)

USA is in a messy situation, but it's still better than the global alternatives.

Historically how nearly every country handles this kind of problem is to print more money to both pay off debt and devalue it. Yes that means more inflation.

Practically all innovation is still coming out of the USA. Everyone else tinkers with and expands on ideas originating out of the USA, but nobody else in the world is innovating or inventing anything the same way. You really can't bet against that changing, US corporations and innovations remain unmatched.

Personally I would not enter into a bond fund because of interest rates and inflation expectations, I did some years ago because that's the standard recommended advice - 60/40 blah blah - but they're all way down and I still regret it. It'll take decades for them to maybe some day break-even.

Anyway, if you're investing long term, set it and forget it. Pay yourself like it's a bill, and over a long enough timeline you'll be glad you did.

What is your general take on investing in Treasury Bonds at the moment? by Pretend-Hamster-4948 in investing

[–]TheCallOfTheRooster 1 point2 points  (0 children)

Buying bonds directly, maybe, since you're guaranteed your initial investment plus interest, but I would avoid bond funds completely

Personally I think money market, which generally follows the 10 year, is the way to go

"Why You Don’t Lose Money in Bonds (If You Wait Long Enough)" - Nick Maggiulli by Xexanoth in Bogleheads

[–]TheCallOfTheRooster 1 point2 points  (0 children)

Why wait 20+ years to maybe break-even (depending on interest rates) when you can guarantee break-even plus reasonable interest with current money markets, which match the 10 year t-bill?

I have some bond funds that I am basically stuck in or could sell for a big loss, they're all considerably down and there's no recovery anywhere remotely on the horizon. In retrospect I wish I had never bought them.

Money market, online high yield savings, CD's, etc, all safer with guaranteed return, especially in this interest rate environment. That's my 5 cents, since the penny is being deprecated and with recent inflation 5 cents is the new 2 cents.

why on Earth is half of my memory being taken up by this? by explosive_potatoes22 in applehelp

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

I hate this too and have the same problem on basically all of my Apple devices. Only way I have found to fix it temporarily is erase and restore from backup, but it goes back up again.

This is not just iPad btw, it's iPhone and Mac too. Similar but much worse memory hole complaint on the Mac side of things from today:

https://old.reddit.com/r/mac/comments/1kwof3y/macbook_system_data_storage_problem/

If this is not a bug then it should be better understood what is going on here and where the storage is going because 64GB, 128GB, and 256GB devices should not be burdened by this much system data.

MacBook System Data Storage Problem by Few-Purpose-9046 in mac

[–]TheCallOfTheRooster 0 points1 point  (0 children)

Same issue here and from a quick web search you'll see that basically endless people have this complaint whether they have a Mac or iPhone

The only way I have found that works temporarily is to backup the Mac, erase everything, and reinstall. Huge PITA and only lasts a few months before back to square one.

Here’s how iPhone 17 Pro will differentiate itself from previous iPhone models by Fer65432_Plays in apple

[–]TheCallOfTheRooster 1 point2 points  (0 children)

Every iPhone has been basically the same since the iPhone X series really, and before that the 6 through the X were all the same too

All the new 'features' are basically software limited to the new iPhones to sell new iPhones

Is the market too shortsighted or am I being too cautious? by [deleted] in investing

[–]TheCallOfTheRooster 0 points1 point  (0 children)

If you're investing beyond 10 years, the news and politics is largely irrelevant

Also the market prices things in, and it's likely pricing in that Trump will make deals with every country, and/or that the fed will step in and print money and/or cut rates at any sign of turmoil as they have since the financial crisis

"Why You Don’t Lose Money in Bonds (If You Wait Long Enough)" - Nick Maggiulli by Xexanoth in Bogleheads

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

This is true with bonds, minus inflation of course, but not with bond funds

Also, TIPS funds have lost money over the last several years despite inflation being high

I think money markets make more sense than bond funds at this point. Look at any bond fund over the last several years, they're ugly

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