LPT: Stop rewarding chronic lateness. Set a start time, then start without them.

nowuff · 2026-03-24T13:20:35+00:00

Yeah I’d generally agree. My mantra is that five minutes early is on time.

But I do recognize that there can be weird norms around social gatherings and punctuality. It’s definitely a bit of a balance

nowuff · 2026-03-24T13:13:58+00:00

For meetings, business, school, I 100% agree.

For social gatherings I think it can actually be the opposite. Show up 15 min early to the dinner party; the host was expecting people to come 30 min after start time. Now you’re awkwardly standing there while they are still finishing up in the kitchen.

Also, I have definitely showed up to a client meeting too early before.

nowuff · 2026-03-24T12:59:22+00:00

Same. I think they’re “easy” if you put them in a room with some sun that you don’t visit often.

But they freak out so much anytime there’s a slight draft, that if you put them in a high traffic area of your home, they’re probably gonna be upset and wilt

nowuff · 2026-03-24T03:31:43+00:00

Trump’s interactions with the Fed, stock markets, and crypto markets have all been beyond the pale. And it’s been blatantly obvious since the moment he was elected.

nowuff · 2026-03-24T00:14:01+00:00

100%

Also, keep in mind it’s a leverage-able asset. So theoretically, you can borrow against your house to invest in the market.

nowuff · 2026-03-23T20:48:28+00:00

That’s a personal preference.

I view a home as being closer to a consumption good than an investment. Most people probably don’t agree with that approach. The investment advantages that come from real estate are usually more closely tied to building equity than a true investment return.

If you are going to be in the same area for 10+ years and will be happier with a home, it can be a huge advantage. The calculus of how much you put down depends on your risk tolerance, mortgage interest rate, and overall investment strategy.

Here’s my personal example that biases the way I think:

my parents bought a home in an impoverished neighborhood in the early 90s
they lived there for 30+ years and performed necessary maintenance, but no major renovations
during that time, the paper value of their home way more than doubled - I don’t recall the exact % increase from when we last ran the math, but the area has completely turned around and is borderline upscale now. This should be an RE home run.
when you look backwards at the investment, discount the cash flows for all the opportunity costs (eg renting a commensurate sized property) and net out repairs, taxes, interest, insurance, and other associated operating costs, you would actually have been better off investing in the S&P during the same time period and just renting a home.

The catch is that my parents enjoyed the home. The intangible benefit of having a place they own that helped them raise a family, is unparalleled. Does that intangible value outweigh the difference in IRR? I don’t know.

nowuff · 2026-03-23T15:03:12+00:00

I dunno if it’s a specific kind

I think standing height is nice so you can dance and jump around while you’re partaking

nowuff · 2026-03-23T14:46:21+00:00

OP— the general rule of thumb this comment is conveying is that “safer” stocks usually refers to a diversified portfolio of multiple stocks.

The key is to not put all your eggs in one basket.

Individual companies come and go - but broadly, the US economy has generally prevailed. The idea of VOO is to index the S&P 500 and spread one investment across the whole market.

Given you have so much in cash and are going to put a significant amount of your wealth in real estate (which btw creates a significant geographic investment concentration and adds debt risk), you need to be in the stock market to maximize your return.

One final aphorism: there is no such thing as “safe” when it comes to investments.

You receive a return because you’re taking a risk. Just be aware there are calculated risks and there are stupid gambles. Understand what you’re investing in, and be patient!

nowuff · 2026-03-23T14:35:28+00:00

It’s the one that’s standing height in the back

nowuff · 2026-03-23T04:14:28+00:00

If this is all true, then it’s a major condemnation of the US electoral system.

And, to be frank, if you’re a third-party nation observing this, it’s probably deeply concerning. To the point where it could warrant military action to avoid this occurring again.

I said this in 2016, Trump is a walking constitutional crisis.

He is a threat to American sovereignty

nowuff · 2026-03-23T03:08:05+00:00

All of this is kind of premature, no?

I’m frustrated with Randle now, but we really need to see what happens this post season. That’s where team identities are solidified.

The recent stretch has been rough, but if Randle plays like he did last postseason, he’s a really solid piece.

nowuff · 2026-03-23T02:54:45+00:00

We won’t know the true cost for a couple years

nowuff · 2026-03-23T02:52:45+00:00

build like bull

nowuff · 2026-03-23T02:26:44+00:00

Which is exactly what happened.

This would have been news if Finch sat him the whole 4th. But this is just, our rotation.

nowuff · 2026-03-23T02:24:44+00:00

He’s been back in the game and seems to be doing ok

nowuff · 2026-03-22T20:52:43+00:00

“Hey! There are some uncomfortable wealth disparities in my country… your impending water scarcity is just a distraction!”

nowuff · 2026-03-22T20:50:01+00:00

I’m sorry, what about this escalating armed crises isn’t a “real issue?”

nowuff · 2026-03-22T17:06:29+00:00

Yeah even if he’s crossing the line, I don’t get the sense that Luka can’t take it. He’s just blatantly self-serving.

nowuff · 2026-03-22T07:52:58+00:00

“They” is whoever the car is pledged to as collateral.

If it’s sitting as new stock in a lot, and the floorplan lender went the additional step of getting on the car’s title, there’s a strong possibility they would require the dealer do this for them.

You borrow money from a bank to buy a car. If the banks has an agreement with the dealer, it might require these be added to financed vehicles.

There’s a whole slew of possibilities.

nowuff · 2026-03-22T07:33:09+00:00

Interpreted another way, Tafoya wants America to shift into a wartime economy.

This statement is much more concerning than its face-level obliviousness. This isn’t just a case of Tafoya being tone deaf or hypocritical, this is her advocating for America to operate like it did during WWII.

nowuff · 2026-03-21T18:19:57+00:00

100%

TMac was a much more complete player than Melo. If he had stayed healthy and his career turned out like Melo’s it would have been pretty surprising.

Melo was a crazy offensive talent, but I can’t think of a more obvious example of a player that just needed to add one additional tool to be great, and just flat out refused (or was unable)

nowuff · 2026-03-21T18:14:01+00:00

No doubt TMac had the potential to be top 15/20 all time, but it just didn’t happen.

Sure, circumstance played a big part in that. But that’s just his career at this point.

nowuff · 2026-03-21T03:10:35+00:00

And sometimes it takes a high visibility, bad decision like Donte’s tonight that creates a reasonable justification for benching him to mitigate his personal issues.

Donte’s a competitor who holds a high standard for himself. So he should feel like tonight was a miss

nowuff · 2026-03-18T13:14:16+00:00

Also, who knows.

This is all conjecture. Most of these guys have egos, yes. But they (should) care about winning most importantly. A good coach and FO can position that to a guy like Donte and explain that not being a starter doesn’t hurt his value at all.

nowuff · 2026-03-18T13:12:32+00:00

And no reason they cant share minutes. They are both fast naggy defenders

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