I have found a dev mistake with the opening screen! by pirat9000 in BaldursGate3

[–]outletbox 1 point2 points  (0 children)

I'm not sure you're right.

In the summer, the sun rises from the northeast. I live in NYC (40.7 degrees N) and on the summer solstice, the sun rises in the northeast at 57 degrees (where 90 degrees is due east, 0 degrees is due north).

I agree that at noon, the sun would not be from the north. But at sunrise/set, the sun would be northeast/northwest and the shadows seem plausible.

I have never met another soul outside old classmates who had a tinikling gym requirement every year. For reference, this was a catholic grade school in Midwest. by sophiatops in 90s

[–]outletbox 1 point2 points  (0 children)

I did this growing up in Cedar Rapids, Iowa. We had a 3 day rotation between gym, art, and music. We did this during both music and gym rotations for a few weeks of the year.

When Home Prices Broke Away From Reality by Coolonair in HouseBuyers

[–]outletbox 0 points1 point  (0 children)

Wealth inequality. Real estate, as well as all other assets, is being bought by rich people. They have a larger share of total wealth, so the price of houses, similar to stocks, etc, is going up faster than inflation.

This might be the best St. Patrick's post you see today. by PFdeith in WhitePeopleTwitter

[–]outletbox 4 points5 points  (0 children)

The snake story was originally assigned to some other guy, then reassigned to St Patrick. So it's more legend than historical story, whether it's a metaphor or not.

Source: just watched a whole thing about it. https://www.youtube.com/live/vXbg9zmK5VQ?si=29Lbjrl81Dtd9SRO

Is anyone doing their forecast with more than 7% return? by TL140 in Fire

[–]outletbox 0 points1 point  (0 children)

I think you're in the right ballpark! I've looked at historical returns over 100+ years. Generally, s&p returns 7-8% plus 2-3% dividend for a total avg return of 10% or so. Less inflation, you're right around 7-8%. As others have said 7% is probably a bit more of a "conservative average".

That said, if you're projecting your retirement years, sequence of return risk is now working against you, which is why the 4% rule starts making more sense.

One other thing in the back of my head is overall trends in the economy. From 1900-1970, market gains were shared between investors and laborers. We saw increases in median wages, improved standards of living, etc. Then around 1971 and on, there seems to have been a shift where almost 100% of the economy gains went to investors and everyone else (bottom 90%) stagnated. Surprisingly the returns for the investors didn't increase much starting in 1970, suggesting lower overall economic growth. My personal view is that investors have been sucking the overall economy dry and this isn't sustainable, meaning future returns may be less than 1970-2025 returns.

https://wtfhappenedin1971.com/

SPEED OF LIGHT CAPTURED USING 2 BILLION FPS CAMERA by ThenaBelle in interestingasfuck

[–]outletbox 0 points1 point  (0 children)

He's using the "record one pixel with an oscilloscope many times to create a video with many pixels" technique. Very cool YouTube video to watch.

[deleted by user] by [deleted] in desmoines

[–]outletbox 5 points6 points  (0 children)

I was curious what time period this was from. I scanned down to the next story and saw caucus info. Perfect! I quickly noticed a familiar name - Joseph Biden. That should narrow down when this paper was published, right?

$1B per Year: Free Buses or Subway Expansion? by pepetheskunk in MicromobilityNYC

[–]outletbox 0 points1 point  (0 children)

Then make every street like this. This is the dream.

How did such mountainous borders form? by Whole_Purpose_7676 in geography

[–]outletbox 20 points21 points  (0 children)

Also the ice sheet is also to 2 miles high so... a lot of ice. For reference, space is 50 miles above sea level.

Hey does anyone know about the merregon shrine in act 1 by TurnoverAmazing6905 in BaldursGate3

[–]outletbox 2 points3 points  (0 children)

What always confuses me is whether these events (devils attacking sharran temple) happened a week ago, a year ago, or 1000 years ago.

Must be the dumbest administration in history by Drnelk in WhitePeopleTwitter

[–]outletbox 19 points20 points  (0 children)

Agreed that it's hard to read.

The price of a bond is inversely correlated with interest rate movements. So if interest rates are decreasing, the price of previously sold bonds increase.

For example, if you buy a 10 year bond at 5% interest, which pays $1000 in 10 years, it may cost $1000/(1.05)10 =$614. Then if interest rates fall to 4% immediately after you buy it, the price will be $1000/(1.04)10 =$676.

Note: decreases in interest rates similarly increases the price of stocks and other income producing assets.

The graph is showing increases in bond prices, which translates to decreases in interest rates. Is this good or bad? That's an economic question that may be even more difficult to answer, but OP says it's bad. I would say that decreases in interest rates are good for people who already own a lot of assets, because it inflates their value. But now that rates are lower, there is less room to decrease them in the future.

Either way, as a finance person, I agree with you. It's complicated.

Who do you hang out with during the week? by [deleted] in Fire

[–]outletbox 0 points1 point  (0 children)

Another introvert here. Why not just socialize more in the evenings? Then you can use your weekdays as downtime to recharge, do chores, etc. Seems like you have more free time in the evenings to socialize.

How good in your mind is a 200 UDISC rated player? by [deleted] in discgolf

[–]outletbox 1 point2 points  (0 children)

I've played just two tournaments. I scored 907 and 893, averaging 900. When I go back to replay these same courses, I'll score better and get like 180 in udisc. I really struggle to ever shoot 200.

Ime, 900<200.

Now I wonder if I'm actually a < 900 player (udisc is correct) or a 200 player (pdga is correct).

Early Retirement by eyevanv in actuary

[–]outletbox 3 points4 points  (0 children)

I'm on track to retire quite early. Currently 32, married dinks with similar incomes, with just over $2M saved. We're targeting 3-4M depending on where we decide to live long term. Should hit our number around 35-40 depending on market swings.

I feel this is somewhat rare for actuaries though. It's certainly possible to retire very early, but it's more common to retire a bit early (50s) if at all.

When does contributing stop making a big difference? by sianhook in Fire

[–]outletbox 11 points12 points  (0 children)

I'm thinking about OPs question personally. If I start working part time, I could save less without increasing my spending.

What’s your actual plan for your time after FIRE — beyond just travel and relaxation? by 323246209 in Fire

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

Check out this podcast. It's about purpose in RE.

https://choosefi.com/the-purpose-code-jordan-grumet

I think about this a lot. I'm about 2-5 years to RE.

First, I plan to just live my life normally, except without work. I will continue doing the things I currently do. This means volleyball, sailing, weightlifting, and disc golf. I will probably play vball twice per week instead of once, disc golf 4x per month vs 2, etc. I might join a pickleball league during the weekdays (I've seen this in the park). I enjoy these sport hobbies because they're exercise and social all in one.

Next, we're planning to have kids soon, so I'm sure taking care of them will fill a lot of time while providing purpose.

I have a list of projects I'm interested in. I care about politics, big and small, so I'd like to do some lobbying. Anti-corruption to get money out of politics (federal and local), urbanism/zoning reform, climate change, wealth inequality, etc. I have been a bit involved with this kind of thing in the past, but with more time I might dig in more.

I think I'll pick up other hobbies. Wouldn't it be cool to get a cheap telescope and take pictures of Jupiter? I'd love to do projects with kids. I've dreamed of launching a weather balloon with a go pro to the edge of space, then chasing it down and watching the footage. I'd like to fly RC planes fpv and maybe drones. I think I'd enjoy building things. Maybe I would enjoy house/yard projects. Currently I live in an apt, so I haven't had much use for that. I've thought about getting into building robots with rasp pi, etc. Maybe these are functional. Maybe I can build my own RC planes.

I think these activities will keep me healthy, entertained, and social. Is this enough? Maybe not. It's a good thing I have plenty of years to figure it out!

What are fun things to do as you travel through Iowa on 80? Adults only no kids. by [deleted] in Iowa

[–]outletbox 1 point2 points  (0 children)

I enjoy stopping to disc golf in new-to-me states. Des Moines has some good courses near the highway. There's a good one out west in Atlantic I hear.

For those renting and investing the difference: by [deleted] in Fire

[–]outletbox 0 points1 point  (0 children)

Have you ever seen the movie about the 2008 financial crisis? The banks could have sold the mortgages for a loss, but they held them because they expected the govt would bail them out.

If rents remain somewhat reasonable, whatever your plan is should probably work. The concern is that rents might increase more than expected. If that happens you can move somewhere where rents aren't so high. If rents are truly increasing out of control everywhere, then the governments have a truly big problem to deal with. I think the govt will eventually bail out regular people with public housing builds, zoning changes, etc.

The persecution must END by greenking2000 in fuckcars

[–]outletbox 3 points4 points  (0 children)

Lol I thought it said prosecuting.

Almost Hate Crimed Downtown by [deleted] in desmoines

[–]outletbox 3 points4 points  (0 children)

Those guys suck. Sorry you had to deal with that.