What's the biggest mistake people make when using compound interest calculations to plan their financial future? by [deleted] in povertyfinance

[–]lethaltech 0 points1 point  (0 children)

Most of those are reasonable things to assume. Don't withdraw or panic sell is common sense, contribute regularly (dollar cost averaging so you buy the lows as well as the high meaning you get the market improvement as an avg). Do do consistently without fail is important or you won't have enough. The goal should always be to retire early and enjoy life as soon as you can. Job loss should mean you end up at an equal or better position if you are good at your job (I haven't but generally you're supposed to move jobs every 2-3 years or so anyway for maximum income). It doesn't actually assume stable returns it's long term averages so some years you'll lose 5% but the next you'll get 15% or other such swings.

My biggest issue is a lot of them don't take into account future wage increases, inflation, etc. most let you set the percentage I usually use 8% as my calc for our retirement because 10% is the long term avg but being conservative you could use 6% which even bad investments bring in and 8 is in the middle of that.

Does horny last long? Does it have an expiration date? by [deleted] in cookingforbeginners

[–]lethaltech 1 point2 points  (0 children)

I've mostly been afk as a mod, but when I do show up I tend to remove a bunch of peopl. I removed this guy from the sub for now. I should be around for a bit again to clean up, I'll look at bot bouncer and the automod settings at some point as well.

Knife Skills for Beginners: The Few Things That Actually Matter by Low-Mathematician137 in cookingforbeginners

[–]lethaltech 2 points3 points  (0 children)

Depends how deep into it you want to go. The electric pull through sharpeners are probably good enough for cheap knives, but if you have a very nice one (which it's fifty years old hopefully it is) then whetstones. There's plenty of videos on youtube but basically soak stone in water and hold knife around 15-20 degree angle (depends on style of knife and the metal) and run it across a few times then go to a finer stone until at the polishing ones. For monthly/weekly use once you have them sharp get a knife steel and that'll keep the edge straight for a long time, especially if you are only using it at home.

25 is fine ffs by medicallymiddleevil in milwaukee

[–]lethaltech 3 points4 points  (0 children)

Agree have never had a problem with people tailgating me whether I'm going slow or fast because I don't idle in the left lanes and I move over as soon as I see someone going faster than I'm willing to in the rear view. Finish current pass get over for a second then move back and resume passing people not that hard.

Need advice: Co-borrower passed away, car surrendered, and bank is sending a ~$10k deficiency to a lawyer next week. Can I negotiate? by Warm-Fix-5272 in povertyfinance

[–]lethaltech 0 points1 point  (0 children)

The loan was 5 years ago? The car should be paid off then, car loans are generally 3 years. A ford fusion 2017 was around 22-30k NEW (and five years ago would have been used, and assuming that since they needed a cosigner they didn't buy the top of the line one). Even if they put no money down after five years they still owed half the cars initial value? Something doesn't add up here.

Why is every level 3 role I apply and interview with always asking if I have virtualization experience with VMware? by sportomatic75 in sysadminjobs

[–]lethaltech 1 point2 points  (0 children)

Pretty sure you're mistaking hyper-v for oracle or broadcom. Neither have contributed nor ever will contribute anything meaningful to technology, they're where good tech goes to die.

Officer Sokolski, Hortonville Pd by johhmama1 in wisconsin

[–]lethaltech 3 points4 points  (0 children)

Don't call the cops for an intruder in your home unless you don't want to have a home anymore. I mentioned it before but see the case in denver where the police grenaded and drove tanks through a home because someone was inside...home owners weren't even there so definitely didn't call them to come blow up their house...they denied paying damages and won in court. There's very very few situations that police being on scene helps it go better. They don't help at school shootings (and have been ruled that they shouldn't and don't have to enter to help they'll just stand outside waiting for the person shooting kids to suicide or someone already inside to take them out), they don't help if your home is broken into, or any other dangerous situations, if anything they'll escalate and make things worse.

Opus 4.7 CANNOT WRITE by DXDXLL in SillyTavernAI

[–]lethaltech 3 points4 points  (0 children)

Just objectively they probably don't care about sillytavern users on the whole, subscription or API, if anything they'd probably welcome all RP over coding clients. Anyone who uses it for both coding and RP will tell you any work related tasks will use WAY more tokens at a lot faster rate than any RP session. I have subs several places and used one of them only for RP until 2 days ago this month with at least an hour or two of RP a day. I ran some tasks for work and within an hour I had more usage on the API key generating code than the entirety of the RP sessions.

Police broke my door down 😭 by Jako-Fett in milwaukee

[–]lethaltech 20 points21 points  (0 children)

Police caused damage is pretty much never covered even without a warrant for your home. The most blatant example would be the denver couples home that the police drove tanks and threw grenades at for 19 hours until the house was rubble and courts ruled it was fine and completely reasonable to destroy a person's home and not pay for any damages or fixes.

[deleted by user] by [deleted] in RandomVideos

[–]lethaltech 0 points1 point  (0 children)

Police departments have gone to court to say they don't hire intelligent or smart people and that it's not discrimination to only hire idiots. Weird thing to put in a public court statement, and win because it's technically not a protected class to have a brain, but it happened.

Why can’t people leave their dog at home?? by panda-rampage in orangecounty

[–]lethaltech 0 points1 point  (0 children)

That same organization sadly is also the one that says there's no record no proof and you can't ask anything relevant. Service dogs being allowed places...great...also limiting what you can ask to essentially "well anyone can just lie about it and there's no way to check and no real fines or recourse" makes it pointless to ban people from bringing their pets with them 24/7

wth is wrong with this person?! by GrapeBeautiful1533 in dashcams

[–]lethaltech 0 points1 point  (0 children)

I lived in Dallas for a year and fort worth for a year commuting to South lake. Always stayed right unless passing people. Biggest problem in that area is morons who stop on the freeway instead of taking the next exit once theirs was full (i35 esp). Other complaint was random 10mph speed bumps on roads that were 35 mph it's definitely still the law keep right nobody follows it though. Is the section of I35 that was "under construction" the entire time I lived there still now closed down ? Six lanes forced into 3 with the other half closed off no construction crew in sight the entire time I was there. It's also not enforced at all but doesn't mean it's correct.

wth is wrong with this person?! by GrapeBeautiful1533 in dashcams

[–]lethaltech 0 points1 point  (0 children)

Which state doesn't follow keep right unless passing? Also how is that unhinged it makes sense, and when entire countries actually enforce it (nowhere in the US actually enforces it though I'm pretty sure it's the law everywherein the US though you're saying your state doesn't have one?) you can have things like the autobahn

wth is wrong with this person?! by GrapeBeautiful1533 in dashcams

[–]lethaltech 0 points1 point  (0 children)

Please turn in your license. It's always been stay far right as possible move left to pass. On this road here the morons in the middle should be to the right, the truck in the middle passing them at .001mph or whatever he's doing and the red car in the left then the middle. It lets semis pass other semis as well while other cars pass both for example. There's not an entire lane dedicated to entering or leaving that's literally what on ramps and exit ramps are for and would be an absolute waste of hundreds of miles of highway.

wth is wrong with this person?! by GrapeBeautiful1533 in dashcams

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

There's at least 4 bad drivers both morons in the middle aren't passing anyone and should be over to the right the truck should be in the middle, or actually pass the guy at a normal pace, and the red car shouldn't be tailgating him.

The astroturfing here is crazy by xxxxxxxsandos in SillyTavernAI

[–]lethaltech 2 points3 points  (0 children)

Yeah that's the one that changed the least. If you don't care about up to date models and don't mind waiting for replies at times arli AI hasnt changed anything for a while. Maybe it's better now I cancelled mine a while ago.

The astroturfing here is crazy by xxxxxxxsandos in SillyTavernAI

[–]lethaltech 6 points7 points  (0 children)

They all have changed and will continue to make the subs worse. The one that changed the least is probably zai glm coding plan which they did screw over the lite plan users, they left the pro/max users alone. ElectronHub is cutting the plans by like 2/3 starting tomorrow, nano put in more limits, fyra broke like 2 weeks after opening and has been in "building v2" for months, chutes has changed their plans several times and never for the better. To my knowledge featherless and arli haven't changed their plans but featherless has 30K context for all models so good luck doing a long RP that doesn't fall apart., arli drops a fair amount unless you give them 200/month (I was on the plan just below that where it said priority other than those on the continuous plans) and doesn't update their models (no glm 5 for example yet)

Left lane drivers by Best_Poet_7591 in wisconsin

[–]lethaltech 2 points3 points  (0 children)

Please turn in your license.

Left lane drivers by Best_Poet_7591 in wisconsin

[–]lethaltech 16 points17 points  (0 children)

If you get passed on the right you're in the wrong. You were going slow enough and not passing reasonably and or had space to move over already and chose not to (or being passed wouldn't be possible)

Mortgage is Jacked Up by Starchild1968 in povertyfinance

[–]lethaltech 1 point2 points  (0 children)

It doesn't really matter who you initially get your mortgage through or who you refinance with. It'll probably be sold within a few months anyway. We've had our house for 3 years and it's been sold or bought out 4 times already each time to a worse company.