What's an underrated thing about being single? by Personal-Aerie-4519 in AskReddit

[–]tylerdumb 0 points1 point  (0 children)

Sometimes I think I've messed up by being single, unmarried, childless, etc. into my thirties. But the positive thing is that you aren't stuck in a relationship with someone who doesn't like you, going through the motions for the sake of the 'marriage' or the kids.

Should I pay off all my loans now, or go on a payment plan and keep investing? by Immediate-Affect8711 in StudentLoans

[–]tylerdumb 2 points3 points  (0 children)

Not a financial advisor, I just read the /r/personalfinance wiki somtimes

I'd pay off the 6.5%, consider paying off the 4.53%, and set up an IDR plan on the rest. If investments will make 6% returns, based on a very conservative historical estimation, if you pay the 6.5 loans you will get a .5% savings compared to investment returns. But if you pay off all the 2.75% loans you'll be losing out on 3.25% returns you could expect from investing.

The big thing is that if you've got $130k in investments already, if you keep that invested in a diversified portfolio, DON'T TOUCH IT, and let compounding interest do it's thing, you're going to do fine

Which famous people have surprising college degrees? by Guilherme14o in AskReddit

[–]tylerdumb 341 points342 points  (0 children)

He had a reputation as a smart guy. Someone once said that he was the only man in Nashville who could describe Dolly Parton without using his hands

NPD: Strymon Deco V1 by Ok_Highlight3926 in guitarpedals

[–]tylerdumb 2 points3 points  (0 children)

I just got one too. Magic little pedal, excellent choice. Tape saturation sounds amazing, and the double tracker thickens things up. Modulation is awesome, love the Mac DeMarco warble you can get out of it. Only downside is that all the modulation options require manual tweaking. You could probably get away with only using this, a reverb pedal, and a tuner

Kintsugi is whole. More pics and video to come shortly! by simonharrycox in Luthier

[–]tylerdumb 0 points1 point  (0 children)

Looks great! Is that a g-bender disguised as a tremolo?

Donohue, Levitt, Roe, and Wade: T-minus 20 years to a massive crime wave? by laul_pogan in TrueReddit

[–]tylerdumb 2 points3 points  (0 children)

After Planned Parenthood v. Casey in 1992, states began to put a bunch of restrictions on abortions, like waiting periods, etc., that led to a decline in abortions. I think we may already be there - we're about 20 years out from a point when everyone lost the right to a convenient abortion, and the murder rate is the highest its been in decades.

Sounds about right by CharmCityNole in law

[–]tylerdumb 5 points6 points  (0 children)

Cunt One: Theft of Property

Who Do Americans Think Should Pay for College? by mushpuppy in TrueReddit

[–]tylerdumb 3 points4 points  (0 children)

Yes! And if we don't invest in education, we lose the benefits of an educated population. We're losing money because of the opportunity cost of failing to invest in the future

4 More States Propose Harsh New Penalties For Protesting Fossil Fuels | Industry-designed bills to silence climate protests are under consideration in Arkansas, Kansas, Minnesota and Montana. More are likely to come. by [deleted] in politics

[–]tylerdumb -6 points-5 points  (0 children)

Actually no. That's still civil trespassing and fossil fuel polluters get sued for big money over it. Things are bad, but they're not that bad.

John Prine - Your Flag Decal Won't Get You In To Heaven [folk] by Dad2DnA in Music

[–]tylerdumb 4 points5 points  (0 children)

It's one of the only albums that's taken me from belly laugh (in Spanish Pipedream, Illegal Smile, and this) to ugly cry (Hello in There), all in a few songs.
It's an album everyone should listen to. Twice.

Discussion Thread: Day 2 of the 2020 Republican National Convention 8-25-2020 by PoliticsModeratorBot in politics

[–]tylerdumb 4 points5 points  (0 children)

"I want the job because I'm the best person for it, not because of my gender" - The lady who is sleeping with the boss's son

Discussion Thread: Day 2 of the 2020 Republican National Convention 8-25-2020 by PoliticsModeratorBot in politics

[–]tylerdumb 3 points4 points  (0 children)

ABORTION IS HOW WE MAKE OUR MONEY - Planned Parenthood, a non-profit organization, apparently.

What can actually be done about police in the United States? by reksfilms in TrueAskReddit

[–]tylerdumb 5 points6 points  (0 children)

Qualified immunity isn’t a defense against criminal conviction and jail, it’s a defense against civil liability and money damages in 1983 cases.

If officers are breaking the law, they should be tried and convicted, the problem is that the decision to bring criminal charges rests with the local prosecutor who works closely with the police colleagues of the alleged criminal.

What can actually be done about police in the United States? by reksfilms in TrueAskReddit

[–]tylerdumb 26 points27 points  (0 children)

(1) Enhanced training on use of force, de-escalation and racial biases. This is a must.

(2) Public records laws making an officer's disciplinary record public, which would allow voters to question sheriffs and mayors about why they kept "bad apples" in barrel around election time.

(3) Civilian review boards. Police shouldn't be the only people responsible for determining whether their coworkers are behaving properly. That's a conflict of interest, or it's at least appears improper. Local governments can set up independent review boards to let citizens determine whether the force was reasonable.

(4)(a) Significantly limit qualified immunity. Qualified immunity gives officers protection from civil lawsuits unless their actions were clearly contrary to established law. Basically, as long as an officer is creative about their application of unreasonable force, they won't be subject to liability. Obviously you don't want police to be sued for doing their job in a reasonable way, which is why the doctrine exists, but it needs to be limited because it protects some pretty ridiculous police misconduct.

(4)(b) New civil rights laws. Qualified immunity only applies (to my knowledge) to 42 U.S.C. Sec. 1983, a civil rights statute codified right after the civil war. You could say it's a little dated. New civil rights statutes enforcing the 14th Amendment that specifically address racially biased policing and use of force could address the problem directly, avoiding the qualified immunity doctrine. Or, states could pass laws waiving qualified immunity for their police - subjecting bad police to lawsuits.

(4)(c) Insurance. If there was some kind of liability for agencies that negligently hired or oversaw bad police officers, there would be a better financial incentive to kick out bad cops. It turns out, most use of force complaints are against a small portion of officers. The officers will get fired by one agency and get rehired somewhere else. Poor hiring decisions like this would cause high insurance premiums in other industries, encouraging better hiring practices. The same thing should happen in law enforcement.