tburkhol
@tburkhol@lemmy.world
- Comment on Meta Censors #Democrat when searched for 15 hours ago:
That’s the mistake: putting it in the open ban list instead of the shadow ban list.
Dev acting in #resistance or dev making an honest mistake? I suppose we’ll never know.
- Comment on Nvidia Announces RTX 50's Graphic Card Blackwell Series: RTX 5090 ($1999), RTX 5080 ($999), RTX 5070 Ti ($749), RTX 5070 ($549) 2 weeks ago:
So much of nvidia’s revenue is now datacenters, I wonder if they even care about consumer sales. Like their consumer level cards are more of an advertising afterthought than actual products.
- Comment on There is a fee to close my HSA account 2 weeks ago:
Is your company paying part of the deductible? I can’t get an HSA-qualifying plan with deductible under $6000. Also single and old.
- Comment on There is a fee to close my HSA account 2 weeks ago:
Once you hit 65, you can withdraw HSA funds for any purpose, tax free, like a Roth IRA. 401k withdrawals will be taxed as ordinary income, so an HSA dollar is worth about $1.20 in a 401k.
- Comment on There is a fee to close my HSA account 2 weeks ago:
When I was looking for a non-employer HSA, there’s a lot of providers out there with not-exactly-predatory terms. All kind of fees or restrictions that you wouldn’t find on other types of checking/saving/brokerage accounts. I ended up a Lively, but they added some investment/transfer fees when Schwab bought Lively’s investment partner TDA.
I suspect it’s partly because most HSA are determined by the employer, so someone in HR can be induced to choose a fee-laden plan if it’s easier for them, and partly because the tax benefits are so great that it still makes sense even after paying a $20 junk fee here and there.
- Comment on Hypothetically, if you are a witness or whistleblower who's adversary was a very big corporation (such as boeing), what measures could you take to prevent yourself from being "suicided"? 4 weeks ago:
Encrypt email with anyone who publishes a key. If “bad” emails are the only ones you encrypt, then that metadata can be used to raise suspicion of you and to trace your contacts.
- Comment on Related to the recent question: A family member has told me that my inheritance after they're gone is for becoming a live-with landlord. Is that ethical? 1 month ago:
It sounds like he’s not being given a house, but cash that the donor intends OP should use to buy a house.
To me, this sounds like a combination of “you’re going to inherit significant money” and “here’s a strategy to survive on it long-term.” If OP’s family member has made their life as a landlord, then that’s just them passing on their own experience. OP is unhoused, and it’s reasonable to imagine their family member distrusts OP’s financial awareness.
The inheritance may or may not specify how the money is to be used. If OP just gets some lump sum of money, then there’s the financial question of how to extract the greatest quality of life from that money and each strategy has its own ethical question. Would it ethical to buy two homes - even if they’re the same physical building - and rent one out to pay for both? Plus OP’s living expenses? Would it be ethical to invest it all in United Healthcare and live off the dividends? To open a restaurant?
If OP gets a lump sum, there is also the ethical question of whether they are bound to use it in the fashion recommended by their family member.
- Comment on Related to the recent question: A family member has told me that my inheritance after they're gone is for becoming a live-with landlord. Is that ethical? 1 month ago:
How do you see this situation as different from splitting rent with a housemate?
To me, the ethical questions lie not in the situation, but in how you handle it. Charge your tenant high enough rent to cover the full mortgage, maintenance, and renovations of the whole building? Sounds sketchy. Charge “market rate” just because that’s what the hedge-fund landlords demand? Sketchy. Find a rent level that accounts for your costs & maintenance of the rented space, an allowance for vacant time, and risk of bad tenants? That’s a great way to help people find housing, without being an actual charity, and make more sustainable use of a big space than living in it all by yourself.
- Comment on Making peace with liking very few games? 1 month ago:
There’s no wrong or right way to enjoy games, and so many ways to find enjoyment in those games. Some people love the novelty, or the stories, graphics, music…
Based on the favorites you’ve mentioned, I feel like you really enjoy specific mechanics or the physical experience/practice of the game. Back in the day, I could spend hours running through Diablo 2, and that was entirely based on button mashing and running. Something about its pacing, interface, and the match of its challenge with my coordination just hit exactly right - difficult enough to be rewarding, easy enough that repeatedly dying didn’t frustrate me, and always another fight just seconds away. I played that for years.
Now that game launchers track my time, it’s really obvious that I like certain games for their mechanics - mostly Skyrim & Fallout - other games for sandbox/crafting - Valheim, Rimworld, X4 - hundreds of hours in each, even though I’ll try other games, at least long enough to finish their stories, once. Sometimes just because I paid for it & feel obligated to get to the end. It’s OK to have favorites.
- Comment on The Witcher 4 has entered full-scale production, CD Projekt has confirmed 1 month ago:
Ditto. Was surprised to hear it that far along, with absolutely no prior leaks/hype, except maybe they learned from CP2077.
Eventually sorted out they mean ‘production’ in the movie sense, not the product sense. And I suppose that’s fair, given how much modern ARPGs incorporate voice & physical acting, foley work, motion capture, etc
- Comment on Why people consistently vote against their own interests to benefit the rich? 2 months ago:
For small businesses, a president taking power can immediately affect business. Small business owners make decisions based on their expectations of future, colored by their emotional state, so if they believe that a Republican President will be good for business, then they’re more likely to order new machinery, hire an extra person, etc. In an ecosystem of small businesses, that optimism feeds on itself.
Happens in big business, too. S&P500 gained 3+% the day after election, which (if you don’t believe the daily stock market is just gambling) presumably means that ‘the market’ expects 3% more growth out of all those companies, just by Trump’s win being formalized. Stock price up makes it easier for companies to raise capital to expand, buy out competitors, etc
Neither of those things is “the economy,” but they can feel like it, if you’re close enough.
- Comment on Is a Quest 3 really worth it? 2 months ago:
I can see that. If you just want to hang out in a space, then VR Skyrim definitely has some cool places to hang, but how long are you really going to spend in that Skyrim tavern?
When OP asks whether VR is a long-term option, that’s what I think. My favorite 2D games I have 500+ hours, probably a half dozen of them; I can still go back to those, some 10+ year old, and sink another 50+ hours. The only VR game I have more than 50 hours is the mini-golf game that’s glorified chat.
For me, VR as an experience has been really amazing. It’s a level of immersion that’s just indescribably better than anything 2D, but each of those experiences has had limited staying power, which I think is because the physical demands of VR constrain my playtime and focus. I can left-mouse-button all day, but my back gets sore if I stand for three hours. So I can handle beat saber because I treat it like a gym session, but the idea of VR walking 7000 steps to Skyrim’s Throat of the World…just no.
- Comment on Is a Quest 3 really worth it? 2 months ago:
It’s not going to replace flat screen gaming. It’s hard to be in VR for hours, especially when you have to manage battery life, but I’ve had a headset for a year or two now, and it’s still amazing where it’s good. I’m better with smooth moving, but I still prefer teleporting, for headache/dizziness.
Tried Skyrim, couldn’t make it stick - VR just isn’t right for massive open worlds. Halflife Alyx is amazing - it’s the right scale for VR, the attention to manipulatable objects is amazing, and some of the puzzles just couldn’t be done in 2D. Blade & Sorcery is good, too.
Games I keep going back to are Beat Saber, because I’m old and need something to make me stand up and move, and Mini-golf, which is mostly a focus for hanging out with remote friends.
- Comment on [deleted] 2 months ago:
Treasuries are nice because they’re convenient and low buy-in, but their yields are crap, sometimes a little above inflation, sometimes below. TIPS are a decent way to hedge the inflation risk, but (IMO) it’s still really for people who are more worried about losing their savings than living off it. (i.e.: if you have, say, $1e8, you can live pretty comfortably off $1e6, even $1e5 in a lean year, so your rate of return doesn’t really matter)
For me, personally, the limited bond exposure I have is all corporate and mostly junk, bought through my broker in the secondary market, with maturity 10-20 years out. Until fairly recently, junk bonds were the only way to get yields above 4%, and that’s kind of my mental benchmark for gaining relative to inflation. One downside of corporate bonds is they generally have a $10k minimum.
- Comment on [deleted] 2 months ago:
That drop was when the Fed was raising interest rates to stall inflation. Interest rates up, bond values down. But the drop in VTINX was only 20% over all of 2022, where OP is showing 50% in maybe the first quarter.
Incidentally, the sensitivity to interest rates is why I don’t like bond funds. If you buy actual bonds, you get the face value back at maturity, where bond fund are forced to mark them all to current market prices to calculate NAV. IMO, this negates the main “safe” factor in holding bonds.
- Comment on [deleted] 2 months ago:
Yeah, OP isn’t telling us everything. He’s got a 50% decline in what looks like January 2022, where FSKAX and VTI were off by ~10%. Half that drop looks like it happened on one day. In fact, now that I look at it, it’s kind of reminiscent of a BTC chart.
- Comment on [deleted] 2 months ago:
No. If you’ve been saving for 30 years, then you’ll have 30 years of accumulated 10±20% annual gains, which should be something like 16x your start, but could be 100x if you’re lucky or 1x if you’re not. Regardless, an historic crash on retirement day may take that down to 12x your start, which is still pretty good, and will be fixed by the following couple years.
- Comment on Being an already decided voter in a swing state is swell 2 months ago:
I get political spam addressed to three different people who used to have my number. Real estate spam for one of them. Temp job offers for another. It’s annoying af going on four years.
- Comment on Eat lead 2 months ago:
wwwrcamnl.wr.usgs.gov/isoig/period/pb_iig.html
Lead-204 is the only isotope that doesn’t derive from radioactive decay, and it represents only 1.4% of the lead on earth.
- Comment on My mental health has improved after deleting games that have microtransactions in them 3 months ago:
My 80-year-old mother is stil hooked on Hay Day (2012 Farmville clone). She doesn’t alarm-clock overnight events any more, but that could be because she can’t sleep through the night now. Got a team of other old ladies around the world for contests, and it’s right on the edge of where I think it’s great that she’s got something to keep her engaged versus might need an addiction intervention.
- Comment on I make games and this literally happened to me this morning 3 months ago:
I used to pay a particular company by purchase order for this exact reason. CC takes 2-3% of the payment, but purchase order - they’ve got to get themselves into the company system, track the PO, invoice, track the payment…at the time, a common estimate was $50 to process a PO, and if you’re only buying $100 batches, that’s a big hit. Did not like that company, but they were the only place to get whatever it was I had to buy.
- Comment on I make games and this literally happened to me this morning 3 months ago:
Revenue divided by time is a depressing metric for anyone who starts trying to monetize their hobby, but that’s not the point. Do your fun project because it’s fun. If you make enough to cash out on Steam, get yourselves some actual trophies. Or pizza. Trying to make money will force you to do all the depressing capitalist things the big studios do, and then it’s not fun anymore.
- Comment on How come LED Light Bulbs only last for about 2-3 Years? 3 months ago:
If you’re technically inclined, Big Clive has a tutorial for ‘fixing’ most bulbs not to overdrive the LEDs by removing or changing a single resistor. www.youtube.com/watch?v=5HTa2jVi_rc
- Comment on Seriously, what the f*** is keeping Donald Trump in this presidential race? 4 months ago:
Have an updoot, Offspring-fan.
- Comment on i will never understand scientific fraud 4 months ago:
I don’t know about this specific case, but it’s common for the big name researchers not to do any actual research or play any direct part in generating their images. That’s often done by kids - 25 year old grad students, even 20 year old undergrads - or other trainees. Those people may not appreciate how easy it is to detect image manipulation and are still learning what kinds of ‘refining’ of imagery and datasets is acceptable, while the PI that pays their stipend or sponsors their visa rages at their inability to get an expected outcome or replicate a previous result.
Not saying there aren’t people out there just flat-out frauding, but these are group projects with a structure of trust and pressure that can muddy assignment of culpability. Like any committee or corporate action, it can be tough to say that any one individual is the guilty party or which people where just going along with the group.
- Comment on Is this just how it’s gonna be till Election Day? 5 months ago:
The politicians made sure to exempt themselves from all the consumer protection, anti-fraud laws. They live in bubbles where their own political agendas are too important for limitations.
But I suspect, because my brand new phone number gets a lot of political spam, that 1) a lot of people can’t live with it and change their numbers to escape or 2) a lot of it is recycled burner-phones, previously used to launder donations to fit legal donation limits. But it’s given me a personal rule to never make a donation from my real phone or allow my real phone to become associated with any political process.
- Comment on Zoom exec calls in-office work mandate a ‘success’ — despite working remotely himself 6 months ago:
I can see this possible argument: that having their employees do both in-person and remote work allows them to identify and understand aspects of in-person work that are beneficial and missing from the remote experience, and thereby discover how to improve their product.
I won’t believe that’s why they have an RTO mandate, but I can see it as a post hoc rationalization.
- Comment on Why not serve fried chicken on Juneteenth? How is it different from serving corned beef on St. Patrick’s day? 6 months ago:
en.wikipedia.org/wiki/Coon_Chicken_Inn Black people and chicken was like leprechauns and breakfast cereal for a while.
- Comment on How many people actually want fully on-site IT jobs? 7 months ago:
My brain definitely focuses better with environmental cues. I mean, I can work just about anywhere, but if I’m not in the mood, then having the environmental cues displaces alternatives. Subjectively, I feel more productive at work. Never had a really bad commute, so I was never motivated to try to set up a ‘work-only’ space at home, but I’d only do a 70 mile one-way drive for very special occasions.
- Comment on If I put a gallon of 10% cider vinegar in a shallow pan and let 1/2 gallon evaporate, will that make it double its strength? 11 months ago:
acetic acid is almost as volatile as water, and the atmosphere contains a lot less of it. If you evaporate vinegar, you’re likely to lose about as much - maybe more - of the acid than the water. So, evaporation is probably not a good way to concentrate vinegar.