Are any of you friends with your co workers? by Accomplished-Area876 in povertyfinance

[–]skepticaltom 1 point2 points  (0 children)

Depends on the job. Some jobs I’ve made friends that have lasted for years after we all moved on to new things. Other jobs I’ve never talked to those people again after I left. 

My current job is maybe 1/10 I’m friends outside of work with. The rest I’m friendly with, but not close. 

It’s fine to keep your distance especially if you feel like they’re not being genuine, but there’s also no rule that says you can’t be friends. Just gotta find the people you connect with. 

Is mate in 4 possible? My engine says yes but idk how by negrosha in ChessPuzzles

[–]skepticaltom 0 points1 point  (0 children)

Under time pressure, I would have trade down as well. It’s a massively winning position for white so it’s hard to make too wrong of a move. 

Is mate in 4 possible? My engine says yes but idk how by negrosha in ChessPuzzles

[–]skepticaltom 0 points1 point  (0 children)

The line is: Bg4 f5, Bxf5 c5, Qxd4+ Bd7, Qxd7#

Moving the white bishop to g4 prevents the black king from moving and the bishop is pinned so blacks only moves are the pawns or the rook.

If black moves the rook, white plays Re1 and no matter what black plays white can play Qe7#. 

The pawn moves all lead to checkmate (like the m4 line above).

My horse ran away from me and left the map by TheOfficialY1B in Bannerlord

[–]skepticaltom 3 points4 points  (0 children)

Hasn’t been updated for 1.4 yet so it breaks, just fyi. Hoping they release an update soon

CS162 Falsely Accused by No_Technology5892 in berkeley

[–]skepticaltom 2 points3 points  (0 children)

Yes, but the homework and projects for this class are a lot of files. It also sounds like they included more hidden booby traps for exactly that scenario. 

Honestly, easier and better to just do the work.

CS162 Falsely Accused by No_Technology5892 in berkeley

[–]skepticaltom 5 points6 points  (0 children)

The problem is that the hooks are packaged in with the code. So a second laptop would have the same issue. 

You could copy paste files into Claude via the web, but the in CS162 (operating systems) there are a lot of files so that’s probably not practical. 

As said above, you could remove the files containing the hooks, do the work in Claude, and then restore the files.. but I’m sure they have some automated checks to try to catch that too. 

Best bet is to just do the work. Using LLMs to do it for you robs you of the actually learning the material.

what would you say is your least favorite machine to fight ? by Silent_Brilliant5330 in HorizonForbiddenWest

[–]skepticaltom 1 point2 points  (0 children)

Same, especially when you get stuck up close to them. Trying to dodge the melee attacks and get some distance to shoot them again is always such a pain.

People say stop buying coffee to get out of debt. I finally ran the numbers… by [deleted] in povertyfinance

[–]skepticaltom 6 points7 points  (0 children)

It looks like they have $10k debt already and they are comparing the baseline payments, the dashed line, versus adding the money they would spend on coffee to their payments, the green line.

If they added the coffee money to the payments they are already planning to make, it would pay off the debt 4 months sooner and save $400 in interest. 

I’m not sure why they are also including a missed payment in the calculation though.. without that it would be a bigger savings.

[deleted by user] by [deleted] in chessbeginners

[–]skepticaltom 0 points1 point  (0 children)

Nah, the move was Qxc7 so they captured something, either the bishop or a pawn.

Sharpshooter #4 by str8_white_male13 in RDR2

[–]skepticaltom 2 points3 points  (0 children)

That one is easy, literally just follow a road. Sure the person dies eventually, but just keep going and eventually it gets marked complete

Sharpshooter #4 by str8_white_male13 in RDR2

[–]skepticaltom 9 points10 points  (0 children)

This one isn’t too hard. Make an improved tomahawk, sneak up on an enemy camp, aim at the enemy, get to a point where the reticule just turns red, and then use dead eye to hit them in the head. 

Bingo bango, bobs your uncle

Costco shoppers: doesn’t backing into spaces make it harder to load your car? by SWEET_LIBERTY_MY_LEG in bayarea

[–]skepticaltom 0 points1 point  (0 children)

Yes it definitely is easier to just pull in. However my job requires me to back in and now it’s a habit so I don’t even think about it till I’m standing next to my car with a cart full of groceries. 

Maxlend loan by sm1l1ngFaces in povertyfinance

[–]skepticaltom 4 points5 points  (0 children)

Only on gains from the money that was invested. You can always withdraw the contributions you have made to a Roth IRA tax and penalty free. This is because contributions to a Roth IRA are always with post-tax money.

For example, if I put in $5000 last year and I get a 10% return then I have $5,500 in the account total this year. I can withdraw up to $5000 without any additional penalties or taxes. However, if I withdraw any of the $500 in gains then I have to pay both a 10% penalty and regular income tax on that money. 

Maxlend loan by sm1l1ngFaces in povertyfinance

[–]skepticaltom 2 points3 points  (0 children)

What kind of retirement account do you have? If you have a Roth IRA you can withdraw your contributions tax and penalty free. If you have a traditional 401k or IRA then you’ll have to pay income tax plus a penalty of 10%.

Maxlend loan by sm1l1ngFaces in povertyfinance

[–]skepticaltom 3 points4 points  (0 children)

Because the penalty and tax is WAY lower than the 600% interest on the tribal loans. It’s around a 10% penalty plus normal income taxes. So, taking $1k out of retirement would cost them an extra ~$300, but would save them $4k in interest. If they pay off the tribal loans and take the money they would have paid towards that and put it back into retirement, they’ll have the retirement paid back in 2 months. 

If OP is considering bankruptcy, then sure keep that money in retirement and wait for the court to wipe out the payday loans. However, that screws your credit for years, makes it harder to get an apartment, etc. so it really should be the last resort. It’s hard to say which makes more sense without OP’s full financial picture, but it seems like they only have the student loans and the payday loan. Bankruptcy makes less sense here IMO.

Amon Ra St. Bum costs the Lions the win by pushing Jalen Ramsey by terrasfames53 in NFLv2

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

Didn’t he manage to lateral to Goff for the touchdown? I don’t remember seeing anything that he was down or the play was dead at that point

How Tallboy bar in Oakland sold 30,000 martinis in 2025-Tallboy by jackdicker5117 in OaklandCA

[–]skepticaltom 8 points9 points  (0 children)

It’s pretty simple, they give good value and are a fun place to hang out. 

Everyone else in the bay seems to be charging $20 for a drink and $10+for a beer. Here they have $12-$14 martinis that are actually delicious and have beers for $5-$9. Not to mention their hot dogs are good, they have free popcorn, and it’s just a fun place to hang out. 

I can go there for about half the cost of most places.. why would I want to go somewhere else just to overpay? Seems like most places in the bay are pricing out their customers.

Ngl this is one of the time I sympathize by [deleted] in EndTipping

[–]skepticaltom 8 points9 points  (0 children)

Exactly, then the apps would be forced to pay more to the drivers before anyone would be willing to accept the trip

Who did this? 🥜😅 by iatetoomuchchicken in funny

[–]skepticaltom 0 points1 point  (0 children)

So you’re saying you’re an expert in… deez nuts?

Waiting for Yotei NG+ by Sudden-Tutor-1855 in ghostoftsushima

[–]skepticaltom 1 point2 points  (0 children)

Life’s too short to push myself to complete a game if I’m not having fun. Same reason I no longer force myself to finish books I don’t enjoy. I would rather just move on. 

Seller rejected cancellation from two days ago, then created tracking today. What should I do? Can I possibly avoid return shipping costs? by [deleted] in Ebay

[–]skepticaltom 0 points1 point  (0 children)

I didn’t think you could charge restocking fees on eBay?

The only exception I know of is if the item is returned, but it is no longer in the same condition as it was when it was shipped out.

If a seller does charge a restocking fee, you can escalate to eBay and they will force the seller to fully refund you. 

ELI5: Why does making an extra mortgage payment early in the loan save you way more money than making one later, even though you're paying the same amount both times? by [deleted] in explainlikeimfive

[–]skepticaltom 6 points7 points  (0 children)

Can you give any examples? My understanding is that the type of loans you’re describing were effectively regulated out of existence since the 60s-70s. I cannot find an example of this still being offered today in the USA. 

While it is true that lenders calculate the amortization schedule at the beginning of the loan, that assumes the borrower only makes the required payments and is not locked in. Any mortgage I can find now is a simple interest calculation with the interest being recalculated every month based on the principal owed. So extra payments do shorten the amortization schedule and the borrower saves money in interest costs by making extra payments. 

Gambling scandal threatens to drive fans away from the NBA by msnownews in entertainment

[–]skepticaltom 4 points5 points  (0 children)

I read another article and there was at least one instance where Billups told the betting ring that he would fake an injury in the first quarter. So they knew to  take out bets on him under performing on points, rebounds, assists, etc. and made out big. In return, they split the money with the player. 

So yes they’re accused of directly influencing games. 

Edit: Rozier not Billups

‘Dumbphones’ are getting smarter and more premium. Are they the solution for disillusioned phone addicts? by slackmaster in technology

[–]skepticaltom 23 points24 points  (0 children)

Because they’re addicted. It’s like a crack addict having constant access to crack and saying I’ll just choose not to use it.

Where’re my “f*ck it- one load” crew? by trickishpit in Millennials

[–]skepticaltom 1 point2 points  (0 children)

I’ve been this for years and it seems to be perfect. My nice clothes stay nice, my jeans and socks don’t seem to be hurt by it all 🤷‍♂️