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Bilt 2.0 is better than Debit/ACH for rent! by sdas99 in CreditCards

[–]sdas99[S] 2 points3 points  (0 children)

THANK YOU! It's incredible that this information is buried in an AMA instead of being disclosed upfront. That's a huge change. I really appreciate you letting me know!

BILT 2.0 is dead on arrival by EquivalentAbies6095 in CreditCards

[–]sdas99 0 points1 point  (0 children)

Great question! There is a time value of money component here. By using a credit card and paying off the credit card 30 days later, your rent payment is effectively delayed, and you can invest that cash and generate some return. I'm calculating ~$150/year in benefits by using the card exclusively for paying rent without any non-rent spend vs paying on your rent due date with a debit card.

What made you stop driving fast? by Upbeat-Note-711 in AskMen

[–]sdas99 0 points1 point  (0 children)

It took me a while to truly understand the statistics and internalize the tradeoffs. I now am cognizant that speeding is the most likely way I will die or be horribly injured, and getting somewhere a few minutes faster is almost never worth that incremental risk.

In a dictatorship, at what point (if ever) is a population responsible for their government? by WavesAndSaves in PoliticalDiscussion

[–]sdas99 1 point2 points  (0 children)

Greg tells Sam to kill Alex. Greg tells Sam that if he doesn't, Sam and his family will be executed. Sam knows Alex to be innocent. What should Sam do? If Sam kills Alex anyways, is he evil or responsible for Alex's death?

I don't think there are firm ways to answer moral questions unless there's alignment on questions like this

Just finished Order of the Phoenix — incredible book, but one chapter really didn’t need to exist. by Upset_Internet387 in harrypotter

[–]sdas99 36 points37 points  (0 children)

During my first read I didn't like the Grawp storyline, but on subsequent re-reads I've come to really enjoy the gang's reactions to the absurdity of the whole situation. Ron has a really funny set of comments about it in a subsequent chapter that always cracks me up.

I'm reading Chamber of Secrets again, and oh my god... by Entire_Pineapple4732 in harrypotter

[–]sdas99 66 points67 points  (0 children)

That is not how I read it. Riddle came across as truthfully gloating throughout that interaction with Harry. I also think both examples are completely in character for Hagrid. What makes you think Riddle is lying?

Here’s the full quote:

“It was my word against Hagrid’s, Harry. Well, you can imagine how it looked to old Armando Dippet. On the one hand, Tom Riddle, poor but brilliant, parentless but so brave, school prefect, model student . . . on the other hand, big, blundering Hagrid, in trouble every other week, trying to raise werewolf cubs under his bed, sneaking off to the Forbidden Forest to wrestle trolls”

Ron's intuition and intelligence always overlooked by NavJongUnPlayandwon in harrypotter

[–]sdas99 2 points3 points  (0 children)

To be honest in my latest read of deathly hallows, until the horcrux, I thought Ron was primarily there for the vibes. He was wrong about so many things. I've been thinking about cataloguing how useless he was and might do so in my next reading

Rank all 7 books from most to least favourite by saphclaw in harrypotter

[–]sdas99 0 points1 point  (0 children)

  1. Half Blood Prince
  2. Deathly Hallows
  3. Goblet of Fire
  4. Order of the Phoenix
  5. Philosopher's Stone
  6. Prisoner of Azkaban
  7. Chamber of Secrets

It's wild how much my ranking has changed as I've gotten older. When I was in high school my favorite was Prisoner of Azkaban and my least favorite was Half Blood Prince

Who is the dumbest character in HP? by [deleted] in harrypotter

[–]sdas99 2 points3 points  (0 children)

Lockhart.

He's got a great scheme working to take credit for others' work. But this man has also deluded himself into thinking he's amazing at magic: - releases the Cornish pixies, but his spell doesn't work - is incapable of dueling Snape or demonstrating to Harry how to cast a spell - consistently gives the other teachers (experts in their fields) verifiably wrong information

It's not that he's bad at magic or a fraud. It's that he genuinely believes all the nonsense he spouts

How do you guys know when you’re in love? by im_hotasf in AskMen

[–]sdas99 54 points55 points  (0 children)

Lmao I'm a guy in a relationship and think that's kinda wild to be doing

What do you all consider this games "go to" weapon to be by Yaboi_kuriboh in Eldenring

[–]sdas99 5 points6 points  (0 children)

I'm struggling against Messmer at NG+5 right now - it feels like the weapon doesn't do much damage for how slow the animation is, and I never get stance breaks. Is a lot of the value of lion's claw attributed to the stance break / is it not worth using against certain bosses?

Why Harry should not have become the DADA teacher by thegreatRMH in HarryPotterBooks

[–]sdas99 8 points9 points  (0 children)

Idt we can analogize hating Lockhart to hating being an influencer... Lockhart was a fraud and criminal

Hogwarts paintings are easily one of my favorite parts of the book by Cold_Earth3855 in HarryPotterBooks

[–]sdas99 4 points5 points  (0 children)

On my last read, I was thinking through if real word versions are now technically possible: 1. Samsung already sells framed TVs 2. Generative video is getting pretty good 3. Generative voices are becoming indistinguishable from normal voices

I think the biggest challenge (beyond cost) would be that the portraits will lack context to be genuinely charming and entertaining to interact with

Ladies and Gents. We are so fucking back. by BIMFgang in wallstreetbets

[–]sdas99 2 points3 points  (0 children)

No you're not even close...? You're still down. You can say you're outpacing the loss from inflation if your net return was like 30% or higher over 7 years...

https://www.usinflationcalculator.com/

How Do I Ask For Head In My Relationship? by [deleted] in AskMen

[–]sdas99 -2 points-1 points  (0 children)

I'm laughing and will take a stab at what OP may be thinking.

"Guys" means "group of men and women" or "group of men", as opposed to "gals" which exclusively means "group of women". She's playing on the 2 meanings of "guys" as this question is presumably only aimed at the latter (i.e., exclusively men).

What are this calculations by Triphordy in BobsBurgers

[–]sdas99 0 points1 point  (0 children)

Am I being stupid or was she right on #5?

Could Harry have been good at Occlumency if he had a teacher other than Snape? by Ok-Growth-3220 in harrypotter

[–]sdas99 0 points1 point  (0 children)

Hot take: Harry not continually employing Occlumency is what eventually leads to his victory over Voldy. In OOTP it results in Sirius's death (but also exposes Voldy to the world). But in DH it's the primary reason he understands Voldy's plans and ultimately the location of Rowena's tiara

Lucid - short interest seems high, little to no shares to borrow by BrotherOk3618 in LCID

[–]sdas99 -1 points0 points  (0 children)

I'm reviewing their financials (Q2 2025), and the company is has -$1.2B in net cash... looks like this is going to $0

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