misteloct
@misteloct@lemmy.dbzer0.com
- Comment on Ok, boomer 1 week ago:
Wtf does “lmao i” mean? You didn’t even finish your sentence. Or I didn’t finish reading it at least.
- Comment on Ok, boomer 1 week ago:
Good luck finishing the sixth grade in that case…
- Comment on Ok, boomer 1 week ago:
Homes depreciate in value as they are a physical object. They also require regular maintenance. If you don’t factor these in you will just lose the money at sale time.
I’m saying that putting the money in an index fund outperforms the opportunity cost lost by paying additional rent and not having appreciating real estate.
Those options to exit your real estate position are expensive and drag your real return down over time, so unless you have a job so stable you’re sure you will never move, you’ll make less than you think. My numbers don’t even consider that so I’m being generous.
Filing bankruptcy doesn’t seem like part of a sound financial plan…
Money is not being wasted renting. You have to factor in the lost opportunity cost of investing in index funds, which are a better asset class. In reality when you own a home, you’re wasting the potential earning power of your money.
I have passed a practice CFP exam so I’m not a professional but pretty sure I know what I’m talking about here…
- Comment on Ok, boomer 1 week ago:
Renting is usually cheaper than buying when you factor in all the costs, importantly: assuming you invest the difference in a mutual fund and assuming average market conditions.
Hard to retire early when you’re sagged down by a 30 year mortgage, versus the flexibility of moving to a lower cost rent situation.
Most most importantly: I say this because we are well off and privileged. I don’t expect most people to have the insane luxury to have this choice.
- Comment on Ok, boomer 2 weeks ago:
Poster is the grandma from the picture, can we get an AMA?
- Comment on Ok, boomer 2 weeks ago:
I have an offer for a family member to pay the entire deposit and I’m still not buying a house. I’m in top percentile income too but I’d rather retire early and meagerly rent than be stuck holding the bag.
- Comment on Anon studies Organic Chemistry 2 weeks ago:
He regraded my assignment, got a 10 minute empty lecture from the professor, and nothing else changed most likely including the pittance.
- Comment on Anon studies Organic Chemistry 2 weeks ago:
In early 2010s I had a TA give me an A without grading. When I confronted him he said “Why do you care, you know you’re getting an A anyways?” Lol. He got reprimanded though.
- Comment on I'm so goddamn sick of this fat, orange, narcissistic asshole and I will celebrate when he dies 2 weeks ago:
The Land of the Flee
- Comment on AWS crash causes $2,000 Smart Beds to overheat and get stuck upright 2 weeks ago:
Close your eyes, take a moment and just imagine the engineering culture at Eight Sleep. I’d rather be homeless than work there.
- Comment on Anon is forever alone 2 weeks ago:
Wondering, which part of what I said makes you think I am an involuntary celibate?
- Comment on Anon is forever alone 2 weeks ago:
Peterson’s early work probably created thousands of rapey men.
- Comment on Anon is forever alone 3 weeks ago:
Jordan Peterson, that Russian plant on the Kremlin’s payroll? I’m not comparing him to the murderer Hitler. Hitler did nothing wrong in his youth that we know of. Also look up hyperbole.
- Comment on Anon is forever alone 3 weeks ago:
I know he’s a right-wing nut job now but found Hitler really helpful in my youth. His old stuff was simple and straight forward, good lessons for a lost young man
- Comment on yeah everything is probably made of like, idk, earth water, fire and air or something idrk 1 month ago:
Not really true, it’s definitely possible for a less dense object to fall faster than a denser one. A drop of water will fall faster than a parachute made of aluminum.
- Comment on 600 GB of Alleged Great Firewall of China Data Published in Largest Leak Yet 1 month ago:
InB4 European countries drop the Epstein papers from planes into our country. Maybe we’re in a firewall of our own…
- Comment on No brainer 2 months ago:
Toaster control for sure. After selling my robot toasters as a cheap way to communicate with satellites, I’ll command an army of them all over the solar system.
- Comment on AI was a common theme at Gamescom 2025, and while some indie teams say it's invaluable, it remains an ethical nightmare 2 months ago:
I meant more like, AI is the future but it may be of limited use right now.
- Comment on AI was a common theme at Gamescom 2025, and while some indie teams say it's invaluable, it remains an ethical nightmare 2 months ago:
If someone said this in 1990 it would be just as true as you saying it today. Would you have used generative AI tools for video game development back then?
- Comment on Would you ever give up your right to leave a bad review about a company? 2 months ago:
Leave a bad review for them breaking the law. Each time they threaten you, continue to append their email to your review.
- Comment on And they even get a seizure when you take their ipads away 2 months ago:
That’s not developmentally normal even for a tablet kid, fyi. I would help them seek immediate evaluation…
I have a family member who was a tablet kid when they were 8. However they engage with me, their favorite thing is to play the addictive tablet game in my lap and they love when I or others play it with them, especially if you make a story out of it. They watch way too much YouTube but they were delighted when I watched with them, we did thumbs up and thumbs down and talked about what we were watching. They love me and sadly are a bit attention starved but that’s a lot more normal.
- Comment on Why aren't you creating more workers?? 2 months ago:
Pretty sure when people use that term they’re not thinking “I can usually have a baby at 55”.
- Comment on Why aren't you creating more workers?? 2 months ago:
Not disagreeing with your point, but women can have children until menopause. It gets riskier and harder but not as much as most people commonly believe. “Biological clock” is a largely made up concept.
- Comment on And I thought it would be a happy ending for the kid 2 months ago:
Ah I see they edited the comment. It was Jay/BlueSky before.
- Comment on Debatable 2 months ago:
Actually I retract, it’s real: www.instagram.com/bohdan.vasylkov
- Comment on And I thought it would be a happy ending for the kid 2 months ago:
We’re talking about Jay Gruber, the CEO of Bluesky. Tetris11 thought she was a man so I corrected that. Jay Gruber is notoriously a woman, which I find important because she’s a woman tech CEO in a pile of white dudes.
- Comment on Debatable 2 months ago:
Great catch. The leftmost tooth in the right image is a dead giveaway, unless he had a strange cleft lip (the left image shows that is not the case).
The image isn’t funny if it isn’t real. But it’s too good and also blurry to be obvious.
- Comment on Companies be like 2 months ago:
Your scientists were so preoccupied with whether or not they should that they didn’t stop to think if they could.
- Comment on Final Fantasy X programmer doesn’t get why devs want to replicate low-poly PS1 era games. “We worked so hard to avoid warping, but now they say it’s charming” - AUTOMATON WEST 2 months ago:
It reminds me of a time where things were better. They focused less on shiny, soulless graphics and more on the heart of the game. Our minds filled in more details and it was fine. Games today are much more likely to have glittery graphics and be absolutely soulless.
- Comment on And I thought it would be a happy ending for the kid 2 months ago:
The U.S. general electorate was polled. A minority of 27% agreed with the following statement: “we should eat billionaires”, but a supermajority 78% agreed with this one: “purchasing organs from third world countries should be legal”.