CoyoteFacts
@CoyoteFacts@piefed.ca
Did you know most coyotes are illiterate?
- Comment on Unquestionably high class 1 day ago:
Oh my god this is a food item that you can get in the game Small Saga (which I highly recommend to all you leftists/queers/others). I assumed it was real and some sort of well-known weird food but actually it’s real and bad on purpose? What a rollercoaster.
- Comment on How much money should one person realistically make or have? 1 week ago:
I did say VTWAX (i.e total “world"), which diversifies out of a lot of problems like the Nikkei 225 and the potential collapse of America, but yes the math is not 100% gospel because at the end of the day anything can happen. Oftentimes, when calculating for a decades-long downfall of the entire world economy, the real answer is that if that happens everything is super fucked no matter what you planned for. All we can do is run simulations on historical data and get statistical significance for numbers we’re pretty comfortable with. If someone is actually pulling the trigger (i.e. retiring) for real on these numbers, I’d strongly suggest they get more familiar with why these numbers are what they are and are prepared to spend less when needed in a rare edge case scenario.
And as you said, for this thread in particular it’s just an estimation to ballpark how much capital realistically translates into what sort of wealth for someone’s life. IMO it’s very useful to be able to estimate how a layman’s capital generation/retirement works because most people just give up on finances immediately and have no concept of what wealth even means. Does someone ever really need 20 million dollars? I’d wager most people just aren’t sure. Now we know which people we can eat.
- Comment on How much money should one person realistically make or have? 1 week ago:
A simple estimation based on investing that amount of money into a total world stock market index fund (e.g. VTWAX) would be your yearly expenses divided by 3.25% (pretty conservative rate). The idea is that you withdraw 3.25% of your wealth from the stock market every year, and you’ll be able to withdraw that much purchasing power every year forever due to compound interest pushing the number up as you withdraw. Realistically if you’re not withdrawing the full amount blindly during market downturns you can kick that number up to 4% or even more, but 3.25-3.5% is basically impossible to go broke with, and most likely will quickly increase your nest egg to double/triple/etc in most universes.
So, if my expenses were 50k/year in post-tax money, I would need to invest ~1.5 million in order to withdraw 50k of “free” money per year forever, inflation-adjusted. You can do the rest of the math on how many post-tax expenses a normal person/family has and will quickly reach the conclusion that hey, a billion dollars is kinda fucking crazy.
- Comment on Greed is Destroying the World - Drew Gooden 5 weeks ago:
I’m he/him, otherwise I usually try to refer to people as they/them because you never know, and I don’t want to have to research people before I refer to them. Down with gendered pronouns IMO - what a nuisance.
- Comment on Greed is Destroying the World - Drew Gooden 5 weeks ago:
I’m curious which of their stuff you don’t like; Drew is one of the few people I subscribe to on youtube. They’re fairly funny, they don’t upload that often, and they seem to be genuine in terms of only making content when they think they’ve got something entertaining, interesting, or important. Even in the sillier videos, the deeper messaging is usually something related to exposing dark patterns.
- Comment on This is the type of Q&A that makes the internet so important 1 month ago:
I’m not like a sponge connoisseur, but I’ve been using “O-Cedar Scrunge” sponges for about a year and they’re pretty rugged. I have two sponges in rotation, and every time I do a dishwasher load I alternate them through it. They’ve never really fallen apart on me, but I think the green scratchy side gets a little less scratchy over time, and I just replace both of them every 2-3 months for good measure. I’m assuming that there’s a scientific paper somewhere that says using sponges for that long will kill me or something, but I’m still alive so far so fingers crossed.
- Comment on 1 month ago:
I’m curious to see how the price will be affected as consumer PCs get stronger every year. Will they update the Steam Machine every couple of years, or will they decrease the price? I have to assume they are targeting a neutral price because their primary goal is to assemble a linux box with as little margin as possible and put it in front of you for an actual fair price, but “fair price” is a moving target.
Personally, I’m all for getting what I pay for. People who sell to you at a loss are up to something.
- Comment on User says access to ’30 years of photos and work’ in OneDrive denied by Microsoft, can't get a response after filing form 18 times — 'Microsoft suspended my account without warning, reason, or any leg 6 months ago:
You can still use it as a target for a more sophisticated backup solution though, like borg. Borg handles the versioning, integrity, and encryption, so online backup can just be used as dumb storage location. If the online backup deletes your data or locks you out, just use your other copies to recreate the backup into another dumb online storage. In this way, your online backup target doesn't have to be very reliable, as long as it doesn't fail at the exact same time as your other backups.
- Comment on Anyone playing PokeRogue? 6 months ago:
Okay, but I did just find this game, and it's a free game that I'm pretty sure already hit mega-popularity back a year ago, so I don't know what advantage astroturfing on the tiny threadiverse would serve. I've just been having fun with it today and wanted to post about it somewhere.
- Submitted 6 months ago to games@lemmy.world | 2 comments