If you are saving for retirement, you should keep your savings in the market, which would make your $100 worth significantly more than in 2013

Emergency funds should be small enough that changes in value due to inflation over more than a decade cause negligible financial hardship

Surely there is a standardized economic metric for consumer purchasing power strictly for necessities as well. I assume this, because economists throw the best parties.

I mean, on the housing front (in the US at least), it has far more to do with the government backed 30 year mortgage (cheap money drives prices up) and zoning regulations (which constrain supply and also drive prices up).

Not how economics works. The price of gold fluxuates wildly because demand for it fluxuates wildly, because people keep gambling on the value of gold.

FOSS ponzi scheme

This is the best thing I’ve seen on the internet all week. A whole 8 days!

Also in 2005: a forum post about gingerbread recipies hijacked for a 20 page long debate about the existance of God

Well now we’ve just reinvented the victorian concept of a woman

Hey get a load of this loser! Interacting with the real world! Ha! Everyone laugh! Hahahaha!

cries in terminally online

I mean, its kinda a boomer take. But what they are saying is that a lot of people reach a certain point in life where they change their minds and decide to have kids even though they didnt want them or thought they werent ready yet. The person who says “ugh, no, there is no way I would ever have kids” and then 3 years later rolls over in bed with their partner and says “yaknow… what if…?”

Which, really this shouldn’t be surprising. As a biological organism, essentially all your drives are oriented around survival and reproduction.

Of course, declining birth rates around the world push back against this theory… But with a wider view, we expect evolution to take its course, and for traits that encourage greater reproduction to be selected for.

I dont doubt it is incel crap. But idk, in isolation it seems to me like it is making fun of the stressing about running out of time. Which, idk, feels pro-mental health and enjoying life to me.

Also, I haven’t seen anyone break down about this myself - but it is definitely something on some of my female friends’ minds. If they want kids, they have a window. You can argue about exactly what it is… but it exists. And they want a runway. They want to find a guy who has his shit together and who has the same goals and values and who is enjoyable to be around, and that can be difficult in the first place. And then they need to date him for a few years until they feel like they are ready to commit. Then they get married, and need to be in a good place financially in order to raise a kid “right”. And if they date a guy for a few years and it doesn’t work out, then their timeline starts over. Which, while I am not female nor do I have the goal of having kids, does sound like a stressful situation.

I like moths. I think they are neat, and I really wish them the best.

Until they get in my room, and fly into my face when I’m looking at my phone in bed. Then its time for them to die, because they never follow light out of my room or respond to being shooed out.

I mean, I think more people than that do care about your immediate a safety and well being. If you collapse to the floor in the middle of your bowling league, they will call an ambulance. And if you break down on the side of the road, odds are someone will stop to help you out eventually.

But if your problem is “I’m sad”, then… what am I supposed to do about that?

Hot take: F is the superior temperature measurement for real people. If you are a scientist in a lab, sure, maybe referencing the state changes in water is useful for you somehow.

But for a normal person, 90% of the use of tempertature measurements is knowing what clothes to wear, and the other 10% is for setting oven temperatures. Oven temperatures are far hotter than waters boiling point, so F and C are equialvalently useful.

For knowing how to dress, however, F clearly has the advantage, as the numbers map to obvious temperature ranges. Ie,

100F = really fuckin hot
0F = really fuckin cold

Continuing to increase rent purly because thats what the market says it should be is a full dick move…

High home prices are what incentivize people to build more homes.

Homes should never be investments…

Why not? A huge chunk of the population wants to rent. Maybe they are going to college, or are moving to a new city and want to get a feel before buying, or maybe they just don’t want to deal with the headache when something needs to be fixed. And if people want to rent, then there need to be rentable spaces. And why would anyone want to make and maintain a rentable space if they didn’t expect to make money off of it?

The issue isnt that homes are viewed as investments, but that land is. If you build an apartment building and maintain it and provide good living conditions for your renters, then you should be able to make a profit, since you are doing valuable work. But if you buy a piece of land and then hold it for 20 years while everyone else builds homes and businesses around it, and then sell so someone can build an apartment on it, then you do not deserve to make a protfit because you didnt do anything. The value you gain from selling the land exists purely because everyone around you made the area a better place to live.

And that is why rents keep going up. In a functional market, sure, whatever, jack the rent up sky high - you will get hosed when all your renters move out, and you still have to pay for maintenance and upkeep and taxes. But in the current market, construction of new housing is constrained by government regulations and high land prices - and the land is expensive because everyone is only willing to sell for an exorbitant speculative price.

Why not find a hobby that keeps you intellectually and socially active? And physically, for that matter.

Growing old alone must suck.

My goal: don’t do that

“Did you just like your own comment?”

It was a good comment

I know several nurses. They are all quite clear that you simply get used to the ick after a few times, and you mostly don’t socialize with patients. Its like working a customer service job (because it is!) - you will have so many patients cycling in and out that they just become faceless stats on the chart. You don’t remember someone unless they are particularly memorable in some way. Which, 99% of the time, means they are particularly fucked up, or unpleasant to be around. You tend to try your best to show up for the former, because thats where you work on the really interesting stuff and the patient is usually sedated. And you tend to try to get the latter out of the way as quickly as possible, since most people don’t tend to like hearing the rants of a senile nazi or being masturbated on by a homeless schizophrenic. As they tell it, that is one of the two main drawbacks - dealing with the people that no one wants to deal with. Polite, normal people don’t need your people skills - they tell you information and fill out a form and play on their phone, because they are polite and normal.

The other drawback is the schedule. A lot of my nursing friends got into the job expressly because the schedule lets them do things like have an 8 day weekend regularly. But the problem is that: (1) A large portion of nurses work the night shift, or worse, an inconsistent night-and-day schedule - especially early in their career. This destroys your circadian rhythm, and most people need to plan a day or two just to flip back from night to day. (2) Your schedule doesn’t line up with your friends’. Their weekends are not your weekends. Their nights out are your workdays. So your social life tends to shift towards people who also work a non-standard schedule - but that’s still hard because your schedule is unpredictable. Everyone’s schedule constantly shifts to cover everyone elses sick days, since there is essentially no slack in department scheduling - the hospital doesnt want to pay someone to sit on their hands just in case someone is out sick, so everyone has to work erratic schedules. (3) Because your schedule is always changing and your shifts are 12 hours long, it is quite difficult to really stay consistent with anything else in your life. Want to make a habit of running or lifting every morning? Want to make a home-cooked meal for dinner every night (night? What’s night?)? Well, it is going to cut into your sleep schedule.

Yeah, I also dont get it. TNT?