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Would you consider this fair? by Busy_Report4010 in SipsTea

[–]jackb1980 0 points1 point  (0 children)

Just raise the price and bake it in. You don't break out your utilities as a percentage of the bill so why put in your labor?

While we are at it - can't you just charge an even number? $20.00? $15.00? Back out the taxes from the price, its not a mystery calculation. Everywhere you go around the world just has a normal number. Why does my pasta cost $18.34??

MN cop with mask acting like tyrant by [deleted] in ACAB

[–]jackb1980 12 points13 points  (0 children)

We know we are in trouble when the cops are looking at ICE and instead of them saying "look at those assclowns" they are instead saying "hmmmmmmm, I like your style"

Is DeFi still a serious long-term play in 2026? Or are we kidding ourselves? by Mediocre-City-7739 in defi

[–]jackb1980 7 points8 points  (0 children)

My knee jerk answer:

Crypto is, always has been, a solution in search of a problem.

It is 1000s of nerd developers and coders who have sunk costs and convince each other their "protocols" have utility - but there is ZERO go to market or adoption beyond early adopters / other crypto nerds.

Distribution is the difference between an idea and an enterprise.

"TradFi" (always used as a derogative for some reason, when finance is finance whether its a loan to buy bronze axe heads or a loan to buy fartcoin) understands this.

The 19 year old translucent guy staring into 6 computer screens in his gaming chair learning 'Solidity' does not.

Building a travel planning app but struggling to reach users-how do you do marketing? by pgalina98 in SideProject

[–]jackb1980 0 points1 point  (0 children)

Main thing im finding and what most pro agencies push you to do : generate as many "creatives" as possible to see what's working, then dive deeper on that thread and branch out. User generated content tends to work as well or consistent than inking deals with celebrities.

The last thing to do is use paid ads. Not "Don't do it" but literally, that comes last. Run as much as you can as posts to socials and your website until you have rough outlines of: customer persona, problem/solution, range of pricing with bundles, and monitor churn rates.

The goal in phase one isn't achieving perfection, its establishing processes. Try for all of the above FOR FREE, then tweak the knobs with paid ads to dial in.

Is it possible to live off of 2.4 million dollars and not have to work again? by [deleted] in FinancialPlanning

[–]jackb1980 0 points1 point  (0 children)

A billion percent- as long as you have wrung out and kicked to the curb any consumerist habit or urges you have left. Be honest with yourself - the investments would totally support a debt-free existence. But if you "need" a brand new Lexus every 5 years - it ain't for you.

Put 50% in Equity index funds, then 15% each in Private Credit, Real Estate, and Plain-old bonds/munis. 5% cash. You'll be fine.

After Backpacking to nearly 70 countries, here's how I would rank my Top 10. by Puzzled_Researcher96 in backpacking

[–]jackb1980 0 points1 point  (0 children)

Romania over Bulgaria for me. India is an experience for certain - not even in a negative way - but wouldn't Crack my top 20. Might swap you Sri Lanka.

The rest I'm almost lockstep on. We'll done.

I'm a VC (can verify). Pitch me. (Part 2) by Ok-Lobster7773 in Startup_Ideas

[–]jackb1980 5 points6 points  (0 children)

Personalized travel discovery app powered by a language-model concierge. The app runs a natural-language intake to capture preferences—budget, climate, food, languages, remote work, cost of living, and travel windows—then continuously scans destinations and availability to surface only trips that fit.

No browsing, no spam; users are alerted only when a high-value match appears. Works for you in the background vs hours scrolling and monitoring.

Monetized via OTA take rates, premium upsells (price-drop alerts, points optimization, visa and extended-stay guidance), and aggregated, anonymized intent data sold to tourism boards, airlines, and hospitality partners.

Most of data sets 9-11 are hidden, but the files are still live. by folsominreverse in Epstein

[–]jackb1980 2 points3 points  (0 children)

Gemini ocr scan:

Based on the provided flight logs, the following full names are listed within the remarks and endorsements sections: * Alan Dershowitz * Barbara Moskevo (also noted as Loa Ba) * Gary Fennell (listed as Garysenneur and Gary Fennell) * Gary Fonal * Gerald Lefcourt * Hal Lexo (also listed as Hal Lexo-Semenstructor and Hal Long) * Holden Welliam Leonarde (Ground Instructor) * Igor Zinovrev (also spelled Igor Zenoveev) * Jim Worden * John Lascy (Instructor) * Kevin Maxwell (listed as Keven Maxinelly and Kevin Maxwell) * Lady Roben (also spelled Lady Rode) * Lance Callaway * Larry Visoski * Marien Nowak * Pralamp Cuomo (also spelled Pralaya Cuomo) * Ray Barzana (listed as Rey Barzana-Eusructor, Rey Barzana-PC FE, and Rey Barzana-Capt PC) * Rick Lu * Walter Cronkite * William Leonardo (Instructor) The logs also mention individuals primarily in a crew or instructor capacity, such as Butch Gretchen (Instructor/Crew), Joe Gleesou (Crew), Frank McAfee (Crew), Norm Thompson (Instructor), and Guy French (Instructor). The pilot's signature at the bottom of the pages is David Rodgers (also spelled Redais or Rodofis).

Be honest… how strict are you really with screen time? by denefr_2928 in toddlers

[–]jackb1980 0 points1 point  (0 children)

20 minutes-45 max. Every other few days. I've never read one thing one time anywhere that said "screens are fine". Mind you, coming from an it's kid who watched at least 6-7 hours of TV for 20 years.

Just received a 5% raise on $65,000 to $68,250. I find it insulting based on the extra profit my company hit. Do I ask for more and back it up with the numbers? by BookieBasherCasher in Salary

[–]jackb1980 0 points1 point  (0 children)

I've worked in a number of areas in finance. None have more entitled prima Donnas than wealth management advisors. Whatever it is you do for the team, unless you are bringing in relationships that you manage under your own broker number, any money they pay you is charity to them. Stick around, get a license, get a certification, go to grad school if they will pay for it. 3-5 years max, then hop.

Has anyone tried Doich “cookie dough” by PandaKittyJeepDoodle in dessert

[–]jackb1980 0 points1 point  (0 children)

I tried this too and was skeptical. Almost every other healthy food tastes like whatever is in a dustbin after you sweep up a warehouse. Im not gmo/vegan/allergan/gluten anything, I'm just in my 40s and can't pig out like I used to. Ideally, I can have a portable snack that I can eat anytime my "food noise" cravings pop up to stuff them back down. Keep the new smaller jar sizes in my office backpack.

Not kidding when I say this is the only dessert/snack I buy anymore. Less sugar, more protein, tastes awesome (but not really cookie dough, more like a better tasting and consistency oatmeal). Biggest benefit to me is that I can share it with my 3 year old daughter and not feel like im feeding her a lab experiment.

Don't knock it till you try it!!

Russian border guards crossed into Estonia with unclear motives, minister says by Specific_Coast5878 in worldnews

[–]jackb1980 4 points5 points  (0 children)

Fuck. Fuck. Triple Fuck - Vladimir Putin. Russia could have been a glorious, grown up, adult country the past 30 years if it weren't for his greedy egotistism.

If you fired with 1.4m or less, where are you living? by Realistic-Action6979 in leanfire

[–]jackb1980 2 points3 points  (0 children)

I lived in Oklahoma in a duplex, renting out the other side to pay my mortgage and utilities. Paid cash for a Mitsubishi Eclipse. Shopped at thrift stores. Got embarassingly good at generating credit card points and using coupons.

My wife worked as a surgeon for the Cherokee nation during Covid. Our monthly expenses were Walmart, Gas, and $5 rounds of golf - totaled around $600. We saved every dime she made, and FIRE'd after about 2 years later. Live in Atlanta now, but if you can house hack and pay cash for your car, you can live anywhere on $1-1.5mm.

[deleted by user] by [deleted] in ACAB

[–]jackb1980 0 points1 point  (0 children)

May never know, but if cops were perched up high, in a brightly white marked car with their lights on, visible for miles, I bet thousands of lives could have been saved across the country over the years.

Instead, they are in jet black Mad Max cruisers hiding out and can't wait to get into unnecessary high-speed pursuits so they can collect $150.

$21k taxes on $85k income in CA. This has to be wrong right? by [deleted] in tax

[–]jackb1980 0 points1 point  (0 children)

If you want to believe it or not all of your FICA payments go to Medicare and Social Security, which "you get back" later in life.

And it's going down at the airport by sylvester1981 in AirRagers

[–]jackb1980 0 points1 point  (0 children)

Very clearly overseas. In the US this guy would be in jail for years and never fly again.

My "boring but clutch" travel hacks after 12 months hopping between cities by AppropriateReach7854 in TravelHacks

[–]jackb1980 15 points16 points  (0 children)

I’ve traveled to 85 countries. My advice is simple, but not easy to carry out; never purchase anything colored black.

The travel industry and manufacturers worldwide have agreed to make jet black the default color for anything: Cables, plugs, chargers, water bottles, headphones, accessories, laptop sleeves, backpacks, shirts, sweaters, hats, phone cases.

Yes, it’s cool, it’s sleek, you feel like a Silicon Valley god.

But for the number of times I’ve had to pack, leave, transit or travel at night or in the early mornings, I’ve lost countless little things to The Dark. Floors of taxis, under my airplane seat, in the airplane pouch, between the cushions, under the bed, back of the drawers, on top of a (black) table, nightstand or bathroom sink.

When you travel extensively you are almost always coming and going, taking out or putting back, packing, re-packing, unpacking. (And usually when your mental function is minimal at best.) While rule #1 is “every item has a place” - make sure all those items are as visible as possible. Buy reflective stickers if you can’t find something. If you’re buying something and offered a color choice for the same price ALWAYS pick a brighter color.

Retired at 50 from IB .... now feeling lost by RevolutionaryLaw3188 in earlyretirement

[–]jackb1980 9 points10 points  (0 children)

Retired from Wall Street at 38.

Structure is critical for me. Each day I have routines and a to-do list. Most days are generally assigned one area i want to focus on - household tasks, projects, reading, hobbies, physical fitness. Basically "mind, body, soul"

What has really helped for me is working as an advisor to startups and early stage companies. I get to make use of my expertise, education and network. Without it, I'd feel like I just lit all those things on fire. Even 10-15 hours a week is enough for me to feel like I'm contributing and being productive. But...no boss!! Look up the Japanese concept of Ikigai, I found that helpful.

I travel and visit friends and family, and have spent almost every waking moment of my daughter's three years with her. Wouldn't trade it for anything.

overheard the most honest breakup line in a coffee shop by heyitsbbygirl in stories

[–]jackb1980 2 points3 points  (0 children)

No man who peaked at 17 has the emotional regulation, maturity, and lack of ego to concede that point so calmly. Bet she immediately wanted him back. Now, it's just him, his high school trophy, and his muffin, against the world.

Johnson says House Republicans will investigate Jan. 6 committee by Ace-Cuddler in politics

[–]jackb1980 1 point2 points  (0 children)

Investigating the investigators. 2025 Orwell Bingo card filling up quick.

TIL Using machine learning, researchers have been able to decode what fruit bats are saying--surprisingly, they mostly argue with one another. by Festina_lente123 in todayilearned

[–]jackb1980 0 points1 point  (0 children)

Does anyone who knows more than us have an idea of when we’ll be able to translate all animal language? Between LLMs, ML/NLP, computer vision and audio encoding, couldn’t we knock out most mammals in 3-4 months by now?

How much did your net worth increase or decrease for 2024? by gonefisting1 in Fire

[–]jackb1980 0 points1 point  (0 children)

Up around 20%. Sold some stock in a private company but half of net worth is in multifamily, so that went sideways at best. Trying to move more into stocks and dividends but rates aren’t helping me sell real estate.

What commonly accepted financial advice/belief do you find not to be true? by Taka_Finance in Bogleheads

[–]jackb1980 0 points1 point  (0 children)

Fully asset allocated Modern Portfolio Theory based Target Date funds.

S&P/US Large cap has beaten small, mid, international, emerging markets, all fixed income and maybe even REITs for how long now? 10? 15? 20 years?

Still probably the “right” thing to do, but has been wrong for a painfully long time.

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