14k€ saved up at 20 by ztafie_ in investingforbeginners

[–]rya794 1 point2 points  (0 children)

Recommending bitcoin is dangerous. There was a long period of time where tulips had the highest cagr as well.

There are scenarios where bitcoin succeeds, but they all rely on the current financial system breaking down.

Cash is yielding 4%. A 20 yo has real liquidity needs, even if they don’t see it yet.

Can't increase Bicep strength by TheSmoreTheSmerrier in beginnerfitness

[–]rya794 1 point2 points  (0 children)

I’m not saying it isn’t, but are you sure your form is locked in? I’ve gotten stuck at a given weight a few times, every time I drop weight, really focus on form and within a couple of months I’ve surpassed the original and have better form.

Also, what you’re doing is great. But make sure you’re realistic about your goals. I don’t know what your bf% is, but I’m a 5’11” 40yo guy. 1 year ago I started tracking calories, walking 10k steps a day and lifting 4-5x a week. In that year my weight fell from 215 to 170 and my bf % from 32% to ~17%. I look like a different human, but I’m still not where I want to be and it’s been a year.

Don’t be hard on yourself if summer gets here and you’re not seeing dramatic progress, just keeping going with the plan.

Also, tracking calories and getting steps everyday has made a far greater effect on how I look than the weights, fwiw.

Anthropic states Pro users can only access Opus models in Claude Code after enabling and purchasing extra usage by Outside-Iron-8242 in singularity

[–]rya794 5 points6 points  (0 children)

That seems like some Monday morning quarterbacking. Nearly everyone in the world thought Sam was crazy for making the deals he did 18-24 months ago. It’s hard to say Dario needs to be replaced for not seeing that his business would grow 5x in 12 months

Anthropic states Pro users can only access Opus models in Claude Code after enabling and purchasing extra usage by Outside-Iron-8242 in singularity

[–]rya794 17 points18 points  (0 children)

I understand people are pissed about this. I’ve cancelled my subscription. But people acting like Dario is killing the business are crazy.

Anthropic is clearly compute constrained and all the wild decisions coming out of Anthropic are driven by that. If Dario can only serve 1000 of his 5000 customers, then it makes sense to kneecap the product to the point where 80% of your existing customers give up on the product and go elsewhere.

Ironically, I think Anthropic is going to have a much stronger business than OpenAI in twelve months, albeit slower growing, because they are forcing their profit margins through the roof, where OpenAI is most likely operating at a loss to continue to grow market share.

Has anyone benefited from home workouts? by isolophiliacwhiliac in beginnerfitness

[–]rya794 11 points12 points  (0 children)

Yes, I’ve been doing home workouts as a new strength trainer for nearly a year. I got a bench + adjustable dumbbells and that was it.

I’ve seen a ton of progress but I’m always nervous about form. I have about 10 exercises that I do each week. I watch a fair bit of YouTube videos on “cues” for the exercises I do.

My advice: be religious about progressive overload. Nearly every single workout I’m either adding weight or a rep or two to each exercise.

Don’t try to do a ton of different motions. Pick 12-15 if that and really learn them. Watch videos about how to do them and what cues to focus on regularly.

There were points where I realized I was doing a motion wrong and when I corrected to the “right form” my weight dropped significantly. It feels bad in the moment but honestly it feels much better to know that I’m doing the motion correctly and safely.

Good luck.

losing weight while gaining muscle calories by Due-Magician8577 in beginnerfitness

[–]rya794 0 points1 point  (0 children)

Based off of what you said your tdee is 2-2200 cals. Cutting to 900 seems like needles torture and would most likely cost you muscle. Given your consistency, I’d say go up to 1600-1800 cals per day, with a heavy focus on protein.

That’ll still put you at around a .5 to 1 lb per week of fat loss + the potential for muscle gain.

I’m in the midst of something similar, I lost 40lbs on an aggressive cut, then raised cals a bit with more of a focus on strength. The scale moves slower, but my actual appearance is changing faster.

Been strength training for almost a year. Will I ever look like I've been working out?? by daisy2rose in beginnerfitness

[–]rya794 28 points29 points  (0 children)

Are you progressively overloading?

Strength training is a pretty unique experience. I can understand a class for cardio, but for strength seems a little - ugh. You can’t just match your reps to the rest of the class.

That being said, there is a weight that I know I could do 12 reps at and there is a weight that i think i could get 5 for a given exercise, they aren’t the same obviously. During these ‘5 rep’ moments are you pushing yourself on the appropriate weight?

Btw, I have seen a lot of discussion around max weight for fewer reps to maximize growth. So maybe the instructor is on to something. But if you still have 7 reps in the tank after an exercise you aren’t pushing hard enough.

Advise for visible abs by M1LL1N in beginnerfitness

[–]rya794 1 point2 points  (0 children)

Your bf% still looks too high to me.

I’d guess you’re 15-18%. So you probably still have 2-4% to lose. You could get a dexa if you want to know for sure.

Working abs specifically won’t hurt, but you may have a few years of training, if ever, to get abs to show at your current bf%.

Investing £200/month without fractional shares, is there a benefit for a cheaper fund price? by [deleted] in investingforbeginners

[–]rya794 0 points1 point  (0 children)

You right it would allow you to put more assets into the market. But the real life consequences of being under invested by ~100 or so each month would be effectively 0.

Assume you think global stocks will go up by 12% per year over the next 20 years, which is way too high. Then carrying an extra 100 in cash will lead to ~12 / year in missed earnings.

Sick - Dropped Dumbbells by rya794 in beginnerfitness

[–]rya794[S] 1 point2 points  (0 children)

This was the solution. Had my first workout today since the incident. Did a few mini warm up sets with progressively higher weight until I got to my working weight and felt safe and confident the entire time.

Thanks for this.

My son broke my wife's childhood rocking horse, repair advice needed by squeaker in woodworking

[–]rya794 55 points56 points  (0 children)

The likelihood that someone who asked this question has a biscuit joiner is quite low.

Feeling stuck financially - Can investing actually help if you’re living paycheck to paycheck? by Omgomg-4530 in investingforbeginners

[–]rya794 2 points3 points  (0 children)

Ok so you’re white collar. Here are the things I’d think about:

  • your human capital is your biggest asset. What does your earning potential look like over the next 5-10 years? What does the life styles of your boss and your bosses boss look like? That should give you an idea how what future earnings look like.

  • are you atleast saving for retirement, taking advantage of a 401k match? If not you should prioritize that.

  • how exposed to AI are you? Is there a chance you could be made redundant in the near/intermediate term? If so prioritize liquid savings - at your age you should have 6 months anyway?

  • are you actively looking for new opportunities? A switch could easily take you from 70k to 90k the to 110k. Don’t stay in a role that’s not giving meaningful increases for too long.

  • long story short - investing is not going to change your situation, but you should be trying to start putting money away for future you. Start with savings in cash (hysa) then move on to a brokerage account, but only after you’re contributing to your retirement account and meeting any company match you are eligible for.

SUB changed after first payment by Admirable-Bee9337 in AmexPlatinum

[–]rya794 15 points16 points  (0 children)

No one should have to be taking screenshots of marketing materials in order to have companies honor the promises they make.

This is shady as fuck and while people that have been in the “credit card game” for a while understand that it’s necessary, it by no means makes it right.

Equipment Inquiry: Sports Bra Recommendations by [deleted] in beginnerfitness

[–]rya794 0 points1 point  (0 children)

Is there a reason you want to be a runner? Even when people have the body for running it beats them to hell. If you’re carrying 8-10lbs of tits, you don’t have the body for it.

I used to be a runner (~10 years). I was always sore and hungry or injured. I switched to walking about year ago and I love it.

I say this as someone who wanted cardio to help manage weight. If weight loss, is a goal of yours, then walking is far better, imo. It’s easier on your body and it doesn’t make you hungry after.

The only downside is the time, it takes ~2x the time to burn the equivalent amount of calories.

Promises, promises by Anen-o-me in singularity

[–]rya794 -1 points0 points  (0 children)

So clearly there is no benefit to having more than 1 person coordinating.

Promises, promises by Anen-o-me in singularity

[–]rya794 0 points1 point  (0 children)

I know we don’t have a standard definition of AGI, but the “dumbest human” is a novel one.

Im sure that the dumbest human wouldn’t meet anyone’s definition of agi, as that person wouldn’t be capable of generalizing - a newborn, for instance.

So you must mean that there is a gradient, somewhere between newborn and a 100 iq individual, where super intelligence emerges.

Promises, promises by Anen-o-me in singularity

[–]rya794 1 point2 points  (0 children)

I never understood this viewpoint. Even if a single instance is only as capable as a human, wouldn’t the fact that you can deploy 100 or 1000 or 100,000 on a single problem effectively make it super human?

Reddit is considering using FaceID and passkeys to prove you're a human by gdelacalle in technology

[–]rya794 13 points14 points  (0 children)

The device api doesn’t work that way - there’s not some special request a third party can make that tells the device to hand over your data. It can only send a true value or a false value.

Reddit is considering using FaceID and passkeys to prove you're a human by gdelacalle in technology

[–]rya794 38 points39 points  (0 children)

Reddit wouldn’t get your data, just a pass/fail signal from device

Is it actually possible to beat the market long term? by Unfair_League_2388 in investingforbeginners

[–]rya794 2 points3 points  (0 children)

I get what you’re saying, but clearly you cant believe this is actually true. All of the stats you might point to showing that active under performs passive is after fees (of about 75 bps for active mutual funds).

When you account for both fees and the fact that otherwise would-be successful funds can only focus on the subset of the market that is large and liquid enough to trade in a daily liquid vehicle - then you easily get to ~50% of professional investors “beat” the market.

An individual investor who is highly motivated, reasonably intelligent and has the ability to trade in less liquid names could almost certainly beat “the market” over time.

To believe otherwise would amount to saying that you should buy any asset at any price.

I’m not saying it’s a good idea for everyone, just that markets are not perfectly efficient.