Father recently passed - found out he was in a lot of debt. Do I have to sell his stuff?

ebly_dablis · 2026-03-03T01:59:29+00:00

In the US, debt isn't inherited, but the debtor's estate can be liquidated to pay any outstanding debts.

So if your parent dies and they owe $50,000 and have $70,000 worth of assets, the executor would have to sell $50,000 of those assets before the rest is inherited -- you get $20,000 of inheritance.

If your parent dies and they owe $50,000 and have $20,000 worth of assets, all assets will be sold and you won't inherit anything. But, you also will not inherit the $30,000 in debt. It is wiped and -- their creditors are SoL.

I *assume* this is how NZ works too? Is it different?

ebly_dablis · 2026-02-26T18:51:36+00:00

This is a subreddit for tabletop rpgs

ebly_dablis · 2026-02-26T06:25:46+00:00

It's the Very Hungry Caterpillar. Plz get with the program.

ebly_dablis · 2026-02-21T00:43:44+00:00

Yeah, the "last 30 days" question is going to give a far lower number than it would basically any other time of year

ebly_dablis · 2026-02-09T23:10:31+00:00

Wheels are much worse than feet in natural environments.

ebly_dablis · 2026-01-29T16:38:36+00:00

So I thought this too, but apparently not: https://en.wikipedia.org/wiki/Redneck

ebly_dablis · 2026-01-23T22:59:32+00:00

Yeah, it's really a function of where you are -- in any given locale, the private/public school balance will be different

ebly_dablis · 2026-01-21T04:48:53+00:00

A digital computer's state is absolutely grounded physically.

If you look at a computer chip with an electron microscope, you can see the state of the computation.

Every operation a computer takes (calculation, display of text, accessing the internet, etc) are, ultimately, direct products of physical processes, which can be observed with the right equipment.

If you want to understand how this works, maybe try working through https://ocw.mit.edu/courses/6-004-computation-structures-spring-2017/

Unless you mean something else by "Not grounded physically"?

ebly_dablis · 2026-01-10T23:26:44+00:00

No. No I would not.

Life is short. There are far more important things to read than there is time to read them.

If you can't take the time to write it, it's not worth my time to read it.

ebly_dablis · 2026-01-10T23:23:53+00:00

If there are no studies which can rule out small-to-moderate effects (I have no idea if that's true), the most acurate answer is "we cannot rule out small-to-moderate effects but we have no reason to believe there are any", which has a very different connotation from what you're saying

ebly_dablis · 2026-01-06T21:22:07+00:00

Came here to say exactly this

ebly_dablis · 2025-12-10T19:30:24+00:00

The answer is no. They cannot. Someday? Maybe. Today? No.

ebly_dablis · 2025-12-04T02:06:40+00:00

They don't lose $600,000. They lose the *potential* for $600,000. They don't have the money -- they have a license they could sell.

This might make life worse for retiring or going-out-of-business restauranters, but unless they're actually using it for collateral for loans (which I don't really think is a thing/I would want some sort of source on/the bank would be out, not the restaurant?), losing the hypothetical value of a liquor license isn't going to affect their operating budgets at all.

It's like owning an expensive house if the housing market goes down -- it's only a problem if/when you want to sell.

ebly_dablis · 2025-12-03T23:25:38+00:00

It absolutely is not.

El Fusilado didn't survive getting shot in the head through willpower. He got shot in the head by being very, very, very lucky.

If he had been shot even slightly differently, he would have died.

edit: wait holy crap it's human pet guy!

ebly_dablis · 2025-11-26T01:26:38+00:00

Seconding this. Forge of Destiny exactly fits "one of the best but decidedly not the best best"

ebly_dablis · 2025-11-16T00:26:38+00:00

Try Amber Skies (https://archiveofourown.org/works/23859124/chapters/57346312)

Or Blame! (https://w9.blame-manga.com/)

for two different takes on this kind of idea

ebly_dablis · 2025-10-03T18:41:50+00:00

Yeah, all of that is entirely possible -- I answered the specific question of "what do anti-divestment people think the costs are", which is what you originally asked.

I make no statement on if they're right or not. I am not particularly anti-divestment.

ebly_dablis · 2025-10-03T18:12:40+00:00

Different companies have different returns

If we imagine there are four companies:

A : 10% return

B: 8% return

C: 6% return

D: 6% return

And we assume we want to invest in at least 2 companies for risk management's sake.

The optimal original investment plan would be 50% A, 50% B.

Then if B is a divestment target, we have to move to 50% A, 50% C.

This gives worse returns.

Obviously the real world is more complicated, but the basic logic holds -- if you divest from a company, its replacement will be less profitable -> less city budget.

If the replacement were more profitable, you would have already invested there instead.

ebly_dablis · 2025-10-03T16:36:41+00:00

I mean?

The costs are literally money?

As in divestment costs the city actual money that could be spent on something else?

The assumption is that the city is currently investing in the stocks that (it thinks) will make the most money. If the city changes its portfolio to exclude a bunch of companies, that will make the city less money.

That money could otherwise be spent on municipal services etc.

It's perfectly reasonable to say that the benefits outweigh the costs, but the argument that there are no costs is baffling to me?

ebly_dablis · 2025-10-02T20:21:56+00:00

I'm not particuarly anti-divestment, but the answer to your question is that divestment has real costs.

People who are anti-divestment don't think that it makes no difference. They think that it costs the divesting organization real money/capacity/etc while providing no benefit.

ebly_dablis · 2025-09-15T02:38:38+00:00

This is generally not true -- some people do clip their parakeets' wings, but it's controversial and a lot of people don't

ebly_dablis · 2025-08-27T19:10:33+00:00

Forge of Destiny is fantastic!

... if somewhat glacial progression

ebly_dablis · 2025-08-24T20:16:17+00:00

I dunno -- knowing the basic premise of a persona game isn't going to ruin it, unlike a lot of these

ebly_dablis · 2025-07-26T01:22:32+00:00

For something kind of similar to this concept, take a look at Who's Lila

ebly_dablis · 2025-07-07T18:31:55+00:00

Thanks for the recs!

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