• 19 Posts
  • 194 Comments
Joined 1 year ago
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Cake day: June 10th, 2023

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  • If there’s any real debate to be had, it’s along the lines of male hormones and penises. Should either be present in a place which essentially only exists for the purpose of keeping those things out?

    They are. Every sporting governing body I’m aware of requires trans women to be on hormone therapy for a minimum of 2 years before they can compete in the women’s category. This is completely in line with the medical community’s research into how long it takes before the benefits of being biologically male are counteracted by the hormone replacement.

    The debate has been had in the medical community and has been resolved. Now random people who never gave a fuck about women’s sports before think they should have input when they have no qualifications, just because they have prejudices.



  • My favorite from my time working in the news industry:

    Neighbor puts toilets in their yard facing other neighbors house. That neighbor builds a fence so they don’t have to look at the toilets. Original neighbor then hangs toilets from the tree so it is visible over the fence. Cue complaints to get toilets removed by city/county.

    I believe the original dispute had to do with tearing out a shared bush and parking on lawn, but I don’t recall the details.















  • General retirement advice is to contribute 15% total to your retirement account. Since your employer adds 12%, you should contribute a minimum of 3%.

    As for your coworkers advice, it may or may not be valid. Contributing to your 401k or a taxable account, both allow you to invest your money. The 401k comes along with tax advantages. Assuming you are making Traditional contributions, then you are saving taxes at the marginal tax bracket (potentially 22 or 24%). If you contribute enough to drop your MAGI to the 12% bracket, then the tax benefit is much less. You can still contribute to Roth, which means you can withdraw that money tax free in the future but you have to pay taxes on it now.

    Another thing to consider is the fees in your 401k. Since you are limited to the options provided, sometimes fees are quite high. If you don’t have any options that cost less than 1%, you likely are better off investing your money elsewhere.

    Finally, you get into the really personal part of personal finance. What are your goals? Do you have short/medium term goals that you would prefer to save this money for? For instance, if you want to save up for a down payment for a house in the future, putting that money in a 401k is a bad choice. Do you have a comfortable emergency fund to pay for unexpected expenses? Do you have high interest debt to pay off?

    A good resource is this flowchart from r/personal finance: https://imgur.com/u0ocDRI


  • Not unless I’m intentionally thinking about them.

    However, I do have some difficulty differentiating between memories and dreams that I recall from my early childhood.

    Here are three examples of memories I have from a very young age. One is confirmed real by my parents. One as far as I can tell is physically impossible so must be a dream. And the third I have no clue if it is real or a dream.

    1. Shortly before my 3rd birthday, we moved. I remember getting bored while the moving truck was at our house so I rode my tricycle to the next door neighbors and hung out with the old lady and her dog until my mom realized I was missing and yelled at me for wandering off without telling her. (This one really happened)

    2. We were at the mall to meet my dad for lunch at the food court. As we got onto the escalator, I remembered I was able to fly and flew through the mall (it was similar to swimming but in air instead of water). (Obviously this had to have been a dream but it feels just as real of a memory as the first one).

    3. As long as I can remember, when we drove anywhere as a family, my spot was behind the driver’s seat and my sister’s spot was behind the passenger seat. I have a vivid memory/dream of it being reversed but my sister saying we should switch spots. My mom said ok and we switched to the standard positions. Nobody remembers this so it may have been a dream (and I would’ve been extremely young if it was real).