Yi Gang is also the name of his rap crew.

I thought 35%ish in the US was bad. 56% in Russia is one of the more shocking stats I’ve seen about their inequality.

That’s very funny.

Assuming legally married or sufficient confidence to not have a break-up be a risk factor here. Gotta say that part.

To me, 4.5% and 5% (taxed) is not sufficiently different to be worth the mind space. If the world was perfect, you should do the CD thing. In real life, there could be a glitch or a mistake of timing that causes an issue with payment of a loan or an auto draft or something, you have to think about it and make sure it’s still paying and your CD is re-upping at a high enough interest rate etc. Not worth it in the slightest to me.

From context clues it seems like they were hosted on Lemmy which is why they are now limiting image hosting.

You have control by default. If you hire a financial advisor to manage your funds, you’re giving them control but you can tell them not to sell ever and they will do what you say.

I usually wait until Feb to be sure I got all my forms but I wouldn’t think now is that early.

You know I’ve seen every other mainline Star Wars and several of the one-offs and TV shows but I never got around to this one and I haven’t really felt like I missed out.

I watched with my SO and googled it right after we finished it to see when Season 2 was coming, thinking it would be a joke “haha only 2 years to wait for the next season” and it had already been cancelled. Rough.

RIP ‘Night Sky’ with JK Simmons. What could have been.

Pretty sure it should be “valuation”

Scalping isn’t the comparison though because 1, scalpers don’t reduce the total supply. Any scalper who refuses to sell a portion of their tickets, loses all the money they used to buy them, and the opportunity cost of selling them, and there’s no way it’s worth it for any given individual. The supply/demand differential they make money from is that the venues only have a certain number of seats.

Which brings me to 2, theres no equivalent of homebuilders in the scalper world. If some scalpers could generate new seats at the venue for roughly the cost they pay the venue for tickets, supply and demand would figure themselves out pretty quick.

Hard disagree on the last part there. For one, homebuilders again. Their business model is to build the houses and then sell them, if they joined the “sell houses slower” cartel it just means they earn less profit.

But really the whole idea you’re laying out, the math only works if everyone works together, so it becomes a prisoners dilemma. Because say there’s 20 companies slowing down house sales to maximize profit, there can always be a 21st who gets the benefit of the restricted supply from the 20, but they just sell as much as possible and become the most profitable of all. Maybe it’s in everyone’s interest to restrict supply, but it’s in any given company’s interest to sell as much as possible. So it has to be an as of yet unknown cartel of every home seller in the country and there’s just too many of them to have both: Either it includes everyone or it’s secret.

If I’m low on hot air I’ll just invite [local politician] on the balloon! Oh ho ho ho

I don’t really understand the market failure happening with such a long term housing shortage. By definition there is excess demand for housing right? So it should make economic sense to build more.

When I ask people always say conspiratorial stuff like “they” maximize profit by keeping housing low but even if there was a conspiracy there should be individuals who are not part of the conspiracy who would profit from going against it.

So it has to be either regulatory or funding based, I think. But I don’t know of any recent regulations that would cause this nationwide, “zoning” is probably part of it but there was no one timeline for that, it’s super local. And funding has been free for a decade and a half and homebuilding has still been slow.

I don’t get it.

It’s doing fine. There are many free trade deals in the works around the world, the WTO is still chugging along as normal.

I’d actually say the idea of minimal government control over the economy is still the majority opinion in the US, Biden’s Child Tax Credits are tax cuts, Trump had tax cuts. UBI which has been growing in popularity on the Left is really a neoliberal solution to welfare.

And on trade we just renegotiated NAFTA and kept it and we’re working on a trade deal with the UK. You think the trade barriers to China are this big turn against neoliberalism but nobody has even had the ability to pass a law about it, the sanctions law is all repurposed from the Cold War.

Personally I had way too many quality issues at that price range. An earbud would be randomly quieter than the other, the battery of an earbud would die, the Bluetooth would suck, or they would be unusable for phone calls. I bought refurbished $100-something headphones for $70 and haven’t needed to buy any more since.

There’s a famous example of the poverty trap that uses boots that fall apart every season vs quality boots that last, and I think there is a quality level that is so bad it’s more expensive in the long run. So I do buy shoes that cost money. But I’m not buying fashion shoes or luxury brand shoes which I think is what you’re saying too.

That’s kind of like saying sports cars are the transportation equivalent of a painting because they are made to look good. I guess you could say that, but it’s not really a useful metaphor if they only have the one thing in common and they’re both things everyone would be familiar with so you’re not translating into more common experience.

Say you have $7000 day 1. Option 1 is to invest it all immediately. Option 2 is to invest only a portion and just keep the rest in cash until you invest later.

In the long run, the invested side always does better than the cash side, interest rates on a savings account by definition never match the long run gains in the stock market. You get a premium for your money in the stock market because it can go negative in the short term.

There is a reason to do Option 2, if you’re saving for a house or a car or something you probably don’t want to risk the market going down right before you want to make that purchase. Or if you are very sensitive to losses and you would he anxious or devastated if you put the money in and saw the value drop.

But for retirement funds, you want to maximize long term gains so it makes the most sense to put it in Day 1.

I mean folders internal to the computer. Sure they would look for valuables anywhere but where I’m having trouble is the leap from stealing the computer to looking through the contents of the computer.

Either they would have to stay in the house and go through things, or set it up somewhere else and risk an anti-theft GPS triggering, and what is the motive? What could they find on some randos file folders? Cleanest thing to do is just immediately wipe the computer and sell it.