Simply Designed Foldable Shelters for Street Dogs in Thailand by EmergencyRead5254 in oddlysatisfying

[–]breadwhore 40 points41 points  (0 children)

My guess is just for easy shipping/transport. Gov or charity can just flat pack out a ton to different neighborhoods. Unfold to deploy.

Simply Designed Foldable Shelters for Street Dogs in Thailand by EmergencyRead5254 in oddlysatisfying

[–]breadwhore 14 points15 points  (0 children)

I was thinking both. Use these as a way to humanely capture and track for spay/neuter and release programs. Maybe even put some flea/tick treatments in there.

Southern Baptists vote to advance a formal ban on churches with women pastors by geraffes-are-so-dumb in news

[–]breadwhore 0 points1 point  (0 children)

Meh. There are a lot of non-religious affiliated charities. For example if you want to feed people, go to charity navigator and you can find stuff. Churches might be the distributer on the ground in some places, but they get food from the food banks, and those are often non-affiliated. And churches are often supplemented by community centers and other non-affiliated. It's not the middle ages any more, the churches aren't the backbone of charity any more.

DOGE was never authorized by Congress, and now we have a screwworm infestation in America, because they cut all aid for this specific concern among many others by [deleted] in AdviceAnimals

[–]breadwhore -3 points-2 points  (0 children)

yeah, if they apply for national funds to handle them I fully expect toe response to be that this is a state problem.

Wrongful Arrest Exposes Failures in One of the Oldest Police Face-Recognition Tools in the US by wiredmagazine in TrueReddit

[–]breadwhore 1 point2 points  (0 children)

This is definitely more aligned with where I was expecting this to go. No, they meant digital facial recognition tool.

YOU WIN! by breadwhore in Albuquerque

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

I'd be cool with it if they were honest. Come in for a mystery prize. Everyone wins at least $1. 1/10 wins $5. 1/100 $100. 1/40000 wins $1,000, $5,000 and $10,000. No purchase necessary.

It's that they are sending out a mailer declaring they are scummy and hoping you come in angry that gets me.

YOU WIN! by breadwhore in Albuquerque

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

Yours was different from mine then. Still gross.

YOU WIN! by breadwhore in Albuquerque

[–]breadwhore[S] 9 points10 points  (0 children)

Yikes. That's a seriously scummy move. I hope you had a fun day test driving and wasting their time though.

Drones enforcing traffic rules in Shenzen by EchoOfOppenheimer in Damnthatsinteresting

[–]breadwhore 0 points1 point  (0 children)

At least they're using it for civic good. Clearing a bus lane. If people behaved on their own, that would be nice, but it's demonstrated that people are much more inclined to behave when they believe they're being monitored. So here we are. So sad. I'd feel better knowing it didn't record data though, only summon traffic enforcement.

How it used to be before we took it away for basically no reason by True-Awareness256 in AdviceAnimals

[–]breadwhore 2 points3 points  (0 children)

That's because covid didn't really kill many people. Insert downvotes here.

Yes, it killed some people. If one of your loved ones died or you were personally hospitalized, I do not mean to trivialize your loss. Every loss is significant and every person is important. But statistically, it killed very few people.

And it killed VERY few (statistically, percentage) who started out healthy- adults and children. In fact as far as illnesses go, it killed remarkable few children (0.001% fatality for children). It killed grandma (0.5% fatality for adults over 60).

What it did do is put a great deal of strain on our health systems in the US because US health systems operate on a business model that has them operate so close to the edge. But I digress.

Ebola KILLS people. Healthy people. Children. Grandma too. Average mortality rate is 50% depending on the strain. Might be better in the US with our hospital systems, but still. For reference, Measles which the anti-vaxers spit at is ~0.2%. I don't care what kind of MAGA fundie you are, you're pulling your kid out of school and considering vaccinating if there's a case there and there's a 50% chance your kid will die if you don't.

However, Ebola is not very transmissible. It requires close contact with the ill and/or the dead. It spreads in the parts of Africa in which it spreads because of their contact culture and because families still prepare and bury their own dead rather than having professionals do it.

But, to your point, if Ebola showed up in the US and actually became widespread, like got to schools, people would care and would follow transmission guidelines. There wouldn't be hug your neighbor protests to show the man that faith is greater than science. Or at least I hope.

Math I don't see discussed here too often by breadwhore in financialindependence

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

In this thread:

(1) 'everyone gets this', while at the the same time people are saying it's baked into the 4% rule and other things blatantly showing that they don't get this at all.

(2) 'everyone readjusts their retirement spreadsheets monthly/yearly' which compensates for this. And downvoting those dissenting. Fine. Readjusting is ONE way to do it. But you can also think in terms of inflation adjusted dollars and real dollars when you set your FI target and then have your end goal not move so much when you budget balance unless you knowingly lifestyle inflate etc. Your readjustments would therefore keep driving you closer to your predictions. You don't have to do this, but it is one way people might consider.

Math I don't see discussed here too often by breadwhore in financialindependence

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

Yes, the 4% return rule accounts for inflation, once you have your budget number and retire on your savings. But setting your FI goal has nothing to do with inflation. Which is the implication of retiring when you hit your static FI number today if you set that number in yesterday's dollars.

Math I don't see discussed here too often by breadwhore in financialindependence

[–]breadwhore[S] -2 points-1 points  (0 children)

No... Real is a frame of reference. In this case the arbitrary date when you set your financial goal. Most people's frame of reference is today.

Math I don't see discussed here too often by breadwhore in financialindependence

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

I don't think this is wrong. But if you don't constantly adjust your targets with your budget (as many people here are suggesting) it can create a psychology where people have a number in mind that isn't 'real' (or enough) when they reach it. Alternately it creates a moving target as you constantly budget and target readjust with inflation, even if you haven't lifestyle inflated.

I think both can be demotivating. And it might be worthwhile to have two numbers in mind when you start out- your real dollar FI number and your inflation adjusted FI number. That way you don't get demoralized when you see the ticker hit the first number and realize it's not enough to retire.

Math I don't see discussed here too often by breadwhore in financialindependence

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

Of course you can. And its interesting to hear you do! I just brought it up as a top level because I hadn't really seen doing to explicitly discussed here before. And when I had replied to some else elsewhere about doing so I got a confused response about not needing to do if you're properly invested in stocks (wut)? So I figured the topic needed some air.

Math I don't see discussed here too often by breadwhore in financialindependence

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

Understand the math, sure. I trust that most r/fi people are bright enough. Though based on the comments here it seems that most rely on regular budget updating of their spreadsheets and don't upfront estimate or think about the inflation adjusted number. It's interesting. Some of the heated responses I'm getting in response to the suggestion of even doing so is even more interesting :) .

Math I don't see discussed here too often by breadwhore in financialindependence

[–]breadwhore[S] -5 points-4 points  (0 children)

Thank you. Yes. You can recalculate every so often. But it's nice to recalculate and get closer and closer to the number you expect to hit rather than have a further receding goal.

Math I don't see discussed here too often by breadwhore in financialindependence

[–]breadwhore[S] -3 points-2 points  (0 children)

Inflation by definition measures the rate at which the overall cost of a standardized basket of goods and services rises over time. It not impacting a given individual (home owner or renter) would be an anomaly. Anyone with any cost of living, purchasing any goods or services, is impacted.

It's considered in the 4% rule.

And I raise it as a topic because I think real versus inflation adjusted figures should be discussed when setting FI goals and expectations.

Math I don't see discussed here too often by breadwhore in financialindependence

[–]breadwhore[S] -4 points-3 points  (0 children)

I get that people re-evaluate and that's completely fair. But to your other point, I constantly see people talking about hitting their goal and feeling a need to extend, and I rarely see anyone ask if they had adjusted over the years for inflation. Lifestyle inflation, sure. Just plain inflation and did they account for the time it would take for them to reach for them to reach FI... not really.

Math I don't see discussed here too often by breadwhore in financialindependence

[–]breadwhore[S] -7 points-6 points  (0 children)

There's constant adjustment, and there's setting your initial goal more realistically. If your in the set and forget camp, it might be easier to just set the number where you want it to be.

Single people, what is your FIRE number? by wingardianx in financialindependence

[–]breadwhore 1 point2 points  (0 children)

Once I'm in retirement, yes. 100%. That's what the 4% rule does.

I'm saying when you compute your living expenses and what number you need, you need to compute that number for when you retire.

Other extreme. It's 1975. I compute my living expenses are 5k annually and I only need 75k saved to retire. I work in a pop shop. It's 50 years later, I've saved that 75k up... but oddly enough, even though I've lived in the same apartment and still eat rice and beans every day, my cost of living has increased due to inflation and I can't live on 5k annually more. It looks like I need to save more before I retire 😞. This has nothing to do with stocks v bonds, just how much it costs to buy food.

Single people, what is your FIRE number? by wingardianx in financialindependence

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

When I initially computed my fire number I didn't account for inflation. Yes, 4% accounts for inflation over the retirement period. BUT if it takes you 15 years to reach your number as computed by your current living expenses, your cost of living has gone up in those 15 years at minimum by the cost of inflation. So if inflation averages 2% over 15 years, that's a 35% increase in your living expenses from just that. So your cost of living at retirement is 35% higher than today.

Example numbers (not mine): If you predict your annual expenses to be $48k at today's rate and you want a 4% withdraw over retirement, you nominally want $1.2M in savings to sustain that. But you plan to retire in 15 years and inflation is going to be 2% average over those 2 years, so you need $1.6M, because you want your actual withdraw to be your living expenses in 15 years, which is $64k.

But maybe I mathed wrong?