subtext
@subtext@lemmy.world
- Comment on Time is an unstoppable force 6 hours ago:
- Comment on Is it worth investing if I can only contribute $50 a month? 2 days ago:
You gotta remember the time horizon, even with historically bad presidents in office, if you smooth the line of the stock market returns over 10, 20, or 30 years, it ends up looking like a really, really good as an investment opportunity. Especially if you’re into dollar cost averaging.
Basically, if Trump tanks the stock market by going way overboard with things like tariffs, that would (at least looking at historical trends, I’m no financial expert or anything) make for a killer time to buy into the stock market because you’re getting stocks at a “discount.” Then when a different president / legislature comes into office, and if they turn around the economy, your investment would rise faster than otherwise expected.
Again, you gotta do what’s right for you, this isn’t me saying you should absolutely invest or anything, especially if your basic needs aren’t met or your emergency savings aren’t at a good enough level to last 6–12 months unemployed. This is just how it has been for the last ~100 years.
- Comment on Is it worth investing if I can only contribute $50 a month? 2 days ago:
I’m not certain why they have HSA after 401k and IRA, but some possible things I can think of:
- HSAs can be harder to take advantage of of the triple tax benefit if you’re retiring early (that is, still younger and healthier)
- HSAs probably have worse investment options than an IRA
- Allowing the user to optimize their Roth vs Traditional mix
Again, I don’t really know because you’re right about the HSA triple tax advantage making it seem better than IRA or 401k, but I’m sure there was a reason given if you care to trawl the subreddit.
- Comment on Is it worth investing if I can only contribute $50 a month? 2 days ago:
As much as I hate to send you to Reddit, the r/personalfinance flowchart is hard to beat for most people. I’d recommend you start there to make sure you’re not overlooking something like your emergency fund.
- Comment on Is it worth investing if I can only contribute $50 a month? 2 days ago:
There’s also hardly any reward (comparatively speaking). Yields are crazy high right now on savings accounts, but they’re going to continue to drop, vs investing in the stock market (over the long term) is much more likely to maintain a much higher rate of return. Even at 5%, you’re really only getting about 2% growth since inflation is stuck at 3% right now. That compares to a long term average in the stock market of 7-9% after inflation.
Not to say that OP should do that, necessarily. Especially if they haven’t built their emergency fund which is far more important than investing, until you have a safe amount.
- Comment on Why did people in the 90s/early 00s say that the internet "couldn't be taken down"? 5 days ago:
To expand upon “walled gardens”, the customers are not just you and I, it includes the majority of the Internet since they’re all running on the cloud, a.k.a., AWS, MS Azure, and Google Cloud.
- Comment on The Double-Slit Garage Experiment 6 days ago:
We all of us owe an enormous debt of gratitude to the sign painter; however, as he did not grant us co-authorship on his sign, we feel it would be presumptuous to give him co-authorship on our paper.
Big L for the sign painter
- Comment on FedEx has absolutely no clue what 'economy' means. 1 week ago:
Airlines do in fact use excess cargo space to ship things for shipping companies / postal services. I’ve also heard before (I can’t verify though), that airlines are more than happy to leave your luggage behind if it means they can squeeze on one more piece of cargo since the cargo makes them much more money than they otherwise would have to pay you for delaying your luggage.
- Comment on [deleted] 3 weeks ago:
The new NIST recommendations give a recommendation of at least a 64 character maximum.
Verifiers and CSPs SHOULD permit a maximum password length of at least 64 characters.
- Comment on Teef stonks 📈 4 weeks ago:
- Comment on Teef stonks 📈 4 weeks ago:
This is a screenshot from the Morning Brew newsletter. They’re honestly pretty great, love these stock hot takes.
- Comment on Bombs Awat 4 weeks ago:
Also, gotta think about whether 5% mortality rate is acceptable.
For an airdrop number of pond fish? Sure!
For your hobbyist number of expensive fish? Absolutely not
- Comment on But yes. 5 weeks ago:
I know that… I was taking liberties to take hydroelectric power to its furthest logical extension by saying that the sun is evaporating (boiling) the water, it goes through the water cycle, it is deposited atop mountains or further upriver, and it then flows back down through the hydroelectric stations.
- Comment on But yes. 5 weeks ago:
One could even argue that hydro power is just boiling water, letting it condense, and then letting it spin a turbine
- Comment on Oh no! 1 month ago:
Boss, you ain’t gonna believe it
- Comment on WILD 1 month ago:
I don’t believe any single part of this, it just can’t be true
- Comment on What is your pet peeve in 2024? 1 month ago:
I really hate the use of quotes “for emphasis”
- Comment on What kind of special knowledge or equipment does piracy groups have? 1 month ago:
I think the reason why regular store bought gizmos won’t let you decrypt it is because content can require HDCP to make sure you don’t gain access to the data. If there were a device at Best Buy that just bypassed this, I think the DMCA and rights holders would come down hard on the seller.
I’ve heard of gizmos from shadier places may be able to decrypt the data but it’s likely because they’re acting outside of the law.
- Comment on that's a huge sprout 1 month ago:
- Comment on Literally Nineteen Eighty-Four 2 months ago:
In general, use numerals to express numbers 10 and above, and use words to express numbers zero through nine.
Example given:
students were in the third, sixth, eighth, 10th, and 12th grades
Your example does not follow the style guide and is an example of when to use digits
Percentages 50% 75%–80%
If you’re a professional writer, you should be following the style guide and this is explicitly spelled out by the APA.
- Comment on What is a passkey, in practice? Is it a file? A token? Can I keep it in an USB drive? How can I save it in case of device loss? 2 months ago:
Bitwarden exports passkeys when using the .json export format
- Comment on Carbon 2 months ago:
Closest thing would be toluene, but that has 8 hydrogen atoms
- Comment on It appenes that my email has gotten on the hands of some scammers with a botnet or something. What do I do? 2 months ago:
They all have a system for keeping track of that, I know iCloud automatically assigns a URL to each based on where you created it, or Fastmail (which I use) has a comment field and automatically tags each email as it comes to your inbox.
It takes more than zero effort to create it, so it’s too much effort for my wife, but I absolutely love it.
- Comment on It appenes that my email has gotten on the hands of some scammers with a botnet or something. What do I do? 2 months ago:
There’s really nothing to be done about the compromised email address, but I would really recommend using a service that creates unique email addresses per service that you sign up for to mitigate the blast radius when one service gets pwned. It takes a long while, but thankfully privacy laws are stronger now and it’s easier to force a company to either delete your information or change the email they have for you.
Some potential services to consider include:
- Comment on End nuclear fusion! 2 months ago:
Edit: seems I was wrong about the escape mechanism for helium, it seems the primary mechanism is polar wind escape.
Also, hydrogen can also apparently escape from the Earth.
- Comment on End nuclear fusion! 2 months ago:
At the height of the French Revolution, he was charged with tax fraud and selling adulterated tobacco, and was guillotined despite appeals to spare his life in recognition of his contributions to science. A year and a half later, he was exonerated by the French government.
- Comment on End nuclear fusion! 2 months ago:
I mean too much Helium isn’t a problem. It’s one of the few (only?) elements that will just disappear if you don’t do anything with it.
It’s light enough that it rises to the very tip top of the earth’s atmosphere and is then stripped away by solar radiation. That’s why is a depleting natural resource, not because it’s burned or used or anything, but because it just escapes.
- Comment on Redirect to prevent back button 3 months ago:
I just default to opening in a new tab because of shitty UX like this
- Comment on Happy Weekend boiz 3 months ago:
H20 H2O
H2S04 H2SO4
- Comment on How is Lemmy better than Reddit? 4 months ago:
I use Voyager and it’s fantastic.
