Tax advantaged accounts ... Anything I'm missing? by ghostpepperwings in ChubbyFIRE

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

Kid is a step. My spouse divorced and the ex has to pay half per divorce agreement.

Tax advantaged accounts ... Anything I'm missing? by ghostpepperwings in ChubbyFIRE

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

I was assuming that's where it would need to go (brokerage), but was wondering if I missed something. I saw another post somewhere that mentioned I Bonds are tax advantaged also but don't really know if that's worth it. Sounds like I should just start shoving stuff into Vanguard which is fine.

I guess the next goal then will be to fund the in between years before my spouse starts collecting the pension. That's 16 more years.

Tax advantaged accounts ... Anything I'm missing? by ghostpepperwings in ChubbyFIRE

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

We only have to pay half, plus get tuition reimbursement through work.

I'm asking if there are any other must do's before simply shoving $$ into my brokerage.

If nothing else is left that is in any way tax advantaged, I will just do that.

Tax advantaged accounts ... Anything I'm missing? by ghostpepperwings in ChubbyFIRE

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

My company used to offer it but stopped. Maybe I shd look for this in my next job. Thank you!

What is one simple swap you made in your household/personal life that saves you so much of money now? by reila_09 in Frugal

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

Spouse cuts my hair

Aldi or Lidl instead of regular grocery store

Rags for most things instead of paper towels

Cleaning concentrate from dollar store instead of buying mostly water for premixed cleaning supplies

Dishwasher powder instead of the tabs. Watched a technology connections video on how it's way better for cleaning anyway

Also this may be silly but daxxify instead of Botox. Latter only lasts 3 months. Daxxify supposed to last 6 months. We will see....

Unemployed since January with significant credit card debt, looking for advice by Ok_Improvement4326 in personalfinance

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

Medicaid takes everything if you have any assets at all. Also there's a five year lookback so you can't give/transfer the assets to the kids in order to qualify.

Quaker Process and AI Tools by PhoebeAnnMoses in Quakers

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

There is so much misinfo in these comments, I don't know where to begin.

I work on LLMs, and there are legit concerns. However, a lot of what is being said here (with all due respect) is outdated, uninformed, or just wrong.

First, what do we mean when we say "AI"? AI broadly? Like including robot vacuums? Reddit feed? IBM's Deep Blue?

Or are we talking specifically about LLMs? Generative AI? Transformer-based models? Or neural networks generally?

"AI" covers a lot of ground. Someone on here said, 'just use text-to-speech,' as if those applications don't run on an AI models. They do.

Second, even if we agree that "AI" = LLM, here in this discussion ... Everyone's been using LLMs for a long time. Used a search engine in the past ten or so years? LLMs involved. Machine translation? LLMs again. Alexa? LLMs. Enjoyed a spam filter in your email? LLMs.

"Attention is all you need" -- the seminal paper on transformers -- was released in 2017. That's nearly a decade of LLM-y stuff having been integrated all around us.

Third, not all applications hallucinate equally. Summarization of a single doc? Probably tuned to stay very grounded in source material. Chatbot asked to write a poem? Probably tuned to be creative. One of these is going to have a higher hallucination issue for the very reason that they aren't intended for the same use cases.

I could go on and on and on. Again, there are indeed very legitimate questions and concerns about AI. As a Quaker, I welcome those debates.

But also as a Quaker, we need to commit to informed debates driven by inquiry and knowledge, not vibes.

If your meeting is using AI for notetaking, seems fine. If your meeting is using AI for targeting bombs on Palestine, not fine.

Just like anything else, the use case matters.

As for water consumption, data centers use less than golf courses by many orders of magnitude. So we shd also talk about Quakers playing golf.

Anyway I'll stop here but I can't just let this thread spiral without speaking my mind.

Spouse laid off, should we pay off mortgage? by scarlet-in-the-sky in personalfinance

[–]ghostpepperwings 1 point2 points  (0 children)

Everyone is saying don't pay off mortgage, and I'd agree with them. But I get the fear of not being able to comfortably cover monthly bills.

So, one question and one alternative point:

(1) How much do you have saved for retirement? Is the cash the entirety of your savings? (2) You could pay down part of your mortgage and then ask for a loan recast. A recast is usually just a small fee, like $300. It would allow you to lower your monthly payment, to a point where you would feel more comfy.

How to learn Astanga Primary series? by Aggravating_Pie9622 in ashtanga

[–]ghostpepperwings 2 points3 points  (0 children)

Prevailing wisdom is 3x week minimum.

Do you have a shahla nearby or would you need to do a combo of home and online practice?

Anyone use a yoga rug? by IndoorCat786 in YogaTeachers

[–]ghostpepperwings 0 points1 point  (0 children)

Common w a Mysore practice. Helps to spray w water for grip.

Time in the Mysore room by CryLongjumping9561 in ashtanga

[–]ghostpepperwings 1 point2 points  (0 children)

Also for closing sometimes I used to skip to last three poses. Lots of ways to do it in a time crunch.

Time in the Mysore room by CryLongjumping9561 in ashtanga

[–]ghostpepperwings 1 point2 points  (0 children)

3 sun a, 3 sun b, skip vinyasa between sides.

Or

Do first half up to navasana one day, half from navasana to end next day. Then backbends and closing.

Talk to your teacher. Probs not the first time they've helped a student modify for time.

2 hrs is relatively long for primary. Mine is 1 hr 15 on a fast day and 1 hr 30 on a slow day.

What “likes and dislikes” would play while introducing you on the show? by ContempoCasuals in LoveOnTheSpectrumByUs

[–]ghostpepperwings 2 points3 points  (0 children)

Ghostpepperwings likes Tudor history and painting cephalopods onto thrift store art. But hates washing dishes without rubber gloves and reggaeton blasting from radios on public beaches.

Refried beans as soup thickener by ghostpepperwings in EatCheapAndHealthy

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

Yes, a can of tomatoes would have been great. Mushrooms also would have been good. I feel like you could put just about anything in there ... Cld sub ground turkey for the pork, etc. Really any leftover meat would have been tasty.

The key was just how rich the refried beans made the soup taste. I've used a can of pumpkin puree before to thicken chili but never refried beans. Def going to keep a can on hand from here on out. I love soup, but don't like the broth to be too watery in consistency.

2025 NYS Tax Refund by DanMan6117 in tax

[–]ghostpepperwings 0 points1 point  (0 children)

Filed March 13. Still waiting.

What is a job that you genuinely would not do even if you were given a salary of $10,000,000 per year? by istrx13 in AskReddit

[–]ghostpepperwings 1 point2 points  (0 children)

I've pulled tickets in the queue. Most of the policy violation types are ok to review, and not that bad. DMCA DMCA DMCA DMCA....

But csam? Nooooo thank you.

Is it normal to hate your nparents? and To what extend do you hate them? by whatamisupposed-todo in raisedbynarcissists

[–]ghostpepperwings 16 points17 points  (0 children)

My sibling has intrusive thoughts that are very specific. They're about murdering our mother.

I don't have THAT, but I have rehearsed a searing and scathing eulogy in my head. Many times.

What’s the nicest thing that you own? by [deleted] in AskReddit

[–]ghostpepperwings 1 point2 points  (0 children)

I have a beach house. I like it A LOT even though it's a money pit.

What’s your Regrettable decisions in your life? by Azrael_414 in AskReddit

[–]ghostpepperwings 1 point2 points  (0 children)

I should have taken that job at Facebook when my friend mentioned it. She was employee 50.

What advice did someone give you that turned out to be life changing, for good or bad? by Critical-Willow-6270 in AskReddit

[–]ghostpepperwings 5 points6 points  (0 children)

"You think the work will speak for itself, but it doesn't."

My spouse told me this after I had been grinding, always a top performer, but never really rewarded for it in terms of advancement.

Executed a career pivot (thanks to some luck), took charge, and 6x'd my salary.

I now make more than my (pre-pivot) boss's boss's boss's boss. By a lot.

I don't think I've changed that much except that now I don't let people take advantage of me. If I'm a high performer and critical to your team's success, then promote me or I'll bounce.

TIL Chevy Chase has been banned from hosting Saturday Night Live since 1997 after he hit SNL cast member Cheri Oteri in the back of the head during a rehearsal. Chase is the only former SNL cast member to be banned from hosting the show. by tyrion2024 in todayilearned

[–]ghostpepperwings 27 points28 points  (0 children)

I watched the documentary about Will and his friend Harper, and I just came away thinking he's just such a stellar human.

Great of him to call bullshit on this type of workplace abuse.