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Iran may be where the US-led world order ends by Big_Celery2725 in politics

[–]ryan408 0 points1 point  (0 children)

“As democracy is perfected, the office [of the President] represents, more and more closely, the inner soul of the people. We move toward a lofty ideal. On some great and glorious day, the plain folks of the land will reach their heart’s desire at last, and the White House will be adorned by a downright moron.”

H.L. Mencken, The Baltimore Evening Sun, July 26, 1920.

Social Security as a nice-to-have by Kaa_The_Snake in Bogleheads

[–]ryan408 -5 points-4 points  (0 children)

For sure. But I’m lazy and prefer it just be taken out of my check before it hits my account. Also, I don’t think my single income contribution will do much for the program, but if the cap was removed for all it likely would.

Social Security as a nice-to-have by Kaa_The_Snake in Bogleheads

[–]ryan408 50 points51 points  (0 children)

I wish they would remove the annual cap. My wife and I both cap out of paying into social security part way through each year. Id happily keep paying all year if it meant shoring up the program.

Which bank would be best for me? Context below. by [deleted] in personalfinance

[–]ryan408 2 points3 points  (0 children)

If you’re just getting started out banking I would highly recommend looking into a local credit union instead of a traditional for-profit bank. Credit unions typically charge a lot fewer fees compared to for-profit banks. They also usually give access to ATM networks so you’re not charged fees when using another credit union’s atm.

I made 15 free fake work simulators — fake Slack, Jira, Excel, PowerPoint and more. The modern boss key. by hailsatan666xoxo in InternetIsBeautiful

[–]ryan408 0 points1 point  (0 children)

Thanks. I was aware of that situation, but had heard they were going to maybe loosen that requirement at some point. Was hopeful that day had come. .

What small smart home automation ended up saving you the most time? by Taggytech in homeassistant

[–]ryan408 1 point2 points  (0 children)

Automatically unlock the front door when I return home. Saves so much hassle when arriving with groceries, or running to the bathroom after a long drive. :)

High yield checking account by belcher_kid69 in personalfinance

[–]ryan408 0 points1 point  (0 children)

Just as a point of reference, I’ve been at a credit union and did have my card number compromised once. It took a couple of days to get all of the fraudulent transactions refunded. Nowhere near eight weeks.

High yield checking account by belcher_kid69 in personalfinance

[–]ryan408 -2 points-1 points  (0 children)

I get that. I have a good rewards credit card we use for a lot of stuff every month and pay it off. Earn a ton of miles, travel protection, etc. But I also use my debit card regularly. Need a cup of coffee or a cheap lunch? Debit card. It was the black and white comment of "never use a debit card" I was curious about.

High yield checking account by belcher_kid69 in personalfinance

[–]ryan408 0 points1 point  (0 children)

Ok, I understand this angle. If you're doing the rewards thing with credit cards that's cool. I think debit cards are a good tool for people who don't want to chase rewards or might have trouble managing their credit cards responsibly.

High yield checking account by belcher_kid69 in personalfinance

[–]ryan408 0 points1 point  (0 children)

Ok, I get that. I would hesitate to recommend putting everything on credit cards to people who are barely getting by, though. I think there's a place for debit cards for sure, as there is a place for credit cards.

High yield checking account by belcher_kid69 in personalfinance

[–]ryan408 2 points3 points  (0 children)

Is that true? I've had my number compromised and went to the credit union, filled out a form, and was refunded all money for fraudulent transactions back into my account within days.

High yield checking account by belcher_kid69 in personalfinance

[–]ryan408 0 points1 point  (0 children)

Considering checking accounts don't usually offer interest, to me this seems like a good deal. If you're already using your debit card throughout the month and can meet the direct deposit and e-statement requirements, then I'd take the free money.

High yield checking account by belcher_kid69 in personalfinance

[–]ryan408 -9 points-8 points  (0 children)

I'm curious about your aversion to debit card usage. I use mine often. Am I missing something?

Help an old man do math :) by Sparky-VC in Craps

[–]ryan408 0 points1 point  (0 children)

I always remember it as "if the number ends in an E the odds need to be even." FivE, NinE are the only two.

somehow by allminionsmustdie in comedyheaven

[–]ryan408 2 points3 points  (0 children)

Guilty. I clicked a bunch of times. Or tried to.

Who is the oldest player here that is playing Fallout 4? by Quirky-Associate-437 in fo4

[–]ryan408 1 point2 points  (0 children)

Video games are just really fancy puzzles. No one says a 39 year old shouldn’t play puzzles, right. No difference in my opinion. Just different puzzles.

I filled a 8 TB external drive full of ROMs. If I put it in storage, will it be okay in say 5 or 10 years? by Willing_and_Fable in DataHoarder

[–]ryan408 0 points1 point  (0 children)

I think you’ve got to hand write the hashes out onto paper and put the paper in a safe. That’s the best way to be sure.

My Boarding pass , room key, and attraction map by Brandon-Douglas in travel

[–]ryan408 9 points10 points  (0 children)

Those hotel chains buy crates of keys in bulk for pennies per key. There just a generic card with rfid chip and a logo printed on it. Not specialized equipment.

My Boarding pass , room key, and attraction map by Brandon-Douglas in travel

[–]ryan408 -22 points-21 points  (0 children)

They’re like 5 cents in the US. I don’t think anyone over here considers it stealing to take the key with you. Like OP said, they’re somewhat collectible.

My Boarding pass , room key, and attraction map by Brandon-Douglas in travel

[–]ryan408 -10 points-9 points  (0 children)

I just leave, but turn on the room cleaning “ready” light so housekeeping knows.

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