Trainguyrom
@Trainguyrom@reddthat.com
- Comment on Let people enjoy things 🙄 11 hours ago:
There’s actually been a trend of shifting the language to “owi” or “operating while intoxicated” since the law is the same whether you’re operating a car, a bike, a boat or a dump truck
- Comment on Vitamins are good but idk.... 1 day ago:
Have you seen the price of dildos? I can’t blame people for getting creative with household objects!
- Comment on Tesla Will Now Let You Finance Your EV Repairs… With Interest Rates as High as 36% APR 1 day ago:
Jesus Christ $2400 for a windshield?! And I thought I overpaid when I got my $600 windshield replacement at a local place (it’s like $400 through Safelite for the same vehicle)
- Comment on Uber Eats or something idk 1 day ago:
Honestly I don’t remember. There’s a solid chance I misunderstood the point you were trying to make. I do remember being weirded out by the way your example has the loans working so I wanted to give a more real-world example of how loans and inflation benefit the borrower
- Comment on Uber Eats or something idk 1 day ago:
I wasn’t the one who said that part. I just wanted to correct the simplified math with some real world numbers that put into perspective how much wealth just being able to get a mortgage sets one up for
- Comment on Uber Eats or something idk 2 days ago:
Actually its the inverse. Borrower A is borrowing the equivalent of $105 and borrower B is borrowing the equivalent of $125 and after 5 years the amount they borrowed is equivalent to $160.
Let’s put this into more real terms. Lets say 30 years ago borrower C got a $100k mortgage at a 6% interest rate. Ignoring everything else that often gets lumped into “the house payment” (insurance, property taxes, HOA/condo association fees, closing fees, etc.) their monthly mortgage payment would be $599.55 for the entire lifetime of that mortgage. That $100k in 1995 dollars that was borrowed would be about $210k when adjusted for inflation. Those 360 payments would also conveniently equal out to roughly $215k meaning they effectively were loaned the money for free over the timescale, and that loan payment of $600 in 1995 is still a loan payment of $600 in 2025 despite the fact that that $600 in 1995 dollars is equivalent to about $1200 today.
Basically with inflation, property ownership ensures a roughly decreasing cost of living over a lifetime and property has a tendency to gain value faster than a dollar does, so ultimately being able to get a mortgage creates wealth for the individual by stabilizing costs that would otherwise grow indefinitely and they gain an asset that generally increases in value.
- Submitted 2 days ago to [deleted] | 2 comments
- Comment on Hell yeah bröther 5 days ago:
I was just thinking it was a missed opportunity for a What We Do In The Shadows reference, but on the other hand the only other people I know who watch it are gay so maybe it would just go over Fox’s audience’s heads
- Comment on What are some great retro games that I can play with my 5yo? 6 days ago:
You can even play the sequel in your browser on archive.org!
- Comment on PewDiePie: I'm DONE with Google 1 week ago:
That’s super cool. I’d love to know more about Nebula’s business practices, do you know where I could find that information? I’ve seen some interviews with their leadership that didn’t go into anywhere near the depth that I’d like and that’s about it
- Comment on PewDiePie: I'm DONE with Google 1 week ago:
I’m worried about Nebula’s business model being profitable enough to be sustainable in the long term but given their business model includes making every creator on the platform a part-owner of the platform that does limit how bad things can get
- Comment on PewDiePie: I'm DONE with Google 1 week ago:
Others have pointed out how people keep growing up in their 20s and 30s. But also as a media personality, you can’t ignore the possibility that he’s playing a character on camera. It could legitimately be he just kept acting like his younger self while recording because that pays the bills
- Comment on PewDiePie: I'm DONE with Google 1 week ago:
He emigrated to Japan a few years ago
- Comment on PewDiePie: I'm DONE with Google 1 week ago:
LBRY is cool but I’m honestly sketched out by the creators that currently exist there. It’s mostly weird libertarians and crypto bros plus random porn bots. Also between the first and most recent times I played with it they added a CDN that hosts all of the files and something like 99% of the data I downloaded while farting around on there came from that single official CDN, so very decentralized.
Peertube has actual large creators who aren’t weird conservative podcasters, and tons of different servers already which serve content, and great Mastadon integration which puts it in a much better spot for growth moving forwards than LBRY. You can literally watch peertube videos from Mastadon (Which has millions of active users including some celebrities and government officials) and comment on them from Mastadon, so there’s kinda already a userbase measured in millions depending on how you classify cross-fediverse users
- Comment on Finally paid off my Costco hotdog 🙏 1 week ago:
When I was a young adult I bought my first car with a loan because my girlfriend at the time relied on her parents old van which had the engine die (I very recently learned this was due to off label oil change practices her ex told her to do when he worked at the Walmart auto dept)
Anyways since I had basically no credit history, I ended up with a 22% interest loan on my car! I didn’t know what I was looking at in the paperwork and the sketchy dealership my BIL insisted we go to flat out was “joking” "oh you don’t want to read that. Just sign here!’
Once I had a chance to look at what I signed I quickly opened a bank account and got that loan refinanced down to an 8% interest rate. I also learned that it had some extended service plans added on that I didn’t know about which didn’t cover anything that wasn’t already covered by the manufacturer warranty.
Later on I went back to college, pulled equity out of the car and refinanced it again down to a 4% interest rate, then a few months later I totaled it hitting a deer.
I kinda forgot what my point was in sharing this story but here we are I guess
- Comment on I am two of them 1 week ago:
Brb buying some onion rings
- Comment on I am two of them 1 week ago:
I’ve phrased it before as “I don’t know if I’m bi-curious or just horny”
- Comment on A Completely Natural Conversation in the NYC Reddit 2 weeks ago:
Idk what pushback you’re talking about,
Y’know what, I didn’t look at usernames and assumed. That’s my bad. Sorry!
- Comment on A Completely Natural Conversation in the NYC Reddit 2 weeks ago:
Ohhhh you meant grocery delivery not restaurant delivery. I think that’s the source of a lot of the pushback on your comment. Grocery delivery can absolutely make a ton of sense, especially when it’s only a fee of like $10-20 on what could be 2 weeks worth of groceries (basically a 5-10% increase in person trip cost)
Personally I don’t do grocery delivery because often what I like and what I look for isn’t the same as what the shopper usually buys or looks for, and when they substitute it might not be something that makes sense. But I’ve been tempted before on particularly busy weeks or even just as a money saving strategy to avoid getting extra items that aren’t needed and/or for comparison shopping (I’m much, much more price sensitive when online shopping compared to in-person)
- Comment on A Completely Natural Conversation in the NYC Reddit 2 weeks ago:
Given the extremely high cost of eating out compared to buying some frozen shit/random stuff for quick lazy meals at the grocery store I don’t think that makes financial sense. On the other hand I’m not going to fault people for choosing to eat out/eat delivery because they like it and can afford it
- Comment on [deleted] 2 weeks ago:
Everyone dunks on Apple for throttling older batteries but the fact is this was super pro-consumer move. It prevents the phone from randomly powering off because the SOC tries to pull a burst of energy that the battery is too tired to output, and resets following a battery replacement, plus nobody notices the throttling except under synthetic benchmarks where you actually have performance numbers to see the handful of percentage points of performance difference. AND after this kerfuffle they added a toggle switch where if you so prefer random instability on an aging battery over 2% slower turbo performance you can choose to have that.
- Comment on Press F to pay respects 3 weeks ago:
Comments and posts will still exist on other instances that lemm.ee federates to, but obviously your lemm.ee account will no longer be active
- Comment on How often do you take him for a walk? 3 weeks ago:
As a parent of a special needs child we currently leash when attending large events (he is a flight risk) I would laugh so hard if someone asked me if he’s a rescue
- Comment on Friendly reminder that Tailscale is VC-funded and driving towards IPO 3 weeks ago:
Realistically Tailscale seems to currently be running on a model of get all of the self hosters to love running it at home so then they advocate to run it at work where all of the pricey enterprises licenses make the real money.
I’ve actually seen some real world usecases where if I had more political push, I would’ve put Tailscale onto the running as a potential solution
Hopefully they have the right people in place to push back at the VC firms about maintaining their current strategy rather than scaring away all of their best advocates before they can truly get off the ground. Having worked at a company owned by a hedgefund, part of the trick is having the right people in place in the company who can block the worst decisions by the capital-hungry owners
- Comment on "And my dick fucks your wife more than you do. What's your point?" 3 weeks ago:
For a Windows 11 machine 8GB is getting to be a limitation. Basically for right now its fine, but very soon 16GB will be the new minimum
- Comment on The joy of quitting a shit job with an asshole boss 4 weeks ago:
As someone who was very recently fired without warning my approach is very simple: I have limited loyalty to the companyI work for, but I have a duty to do right for my coworkers. There’s a good chance I’ll encounter someone I’ve worked with before in a future job, and maintaining good relationships with former colleagues can be good for future career prospects. In short, businesses generally cannot be trusted, but people often can be
- Comment on The joy of quitting a shit job with an asshole boss 4 weeks ago:
Two weeks is good practice especially as you move into more professional roles. Depending on the role additional notice might be preferred or even required since some roles in some businesses are critical enough to potentially impact business continuity if you leave unexpectedly
For a shitty retail job though? Give a few days notice so the schedule can be updated and leave it at that, barring other obligations
- Comment on public services of an entire german state switches from Microsoft to open source (Libreoffice, Linux, Nextcloud, Thunderbird) 4 weeks ago:
Except most people just click a link on their desktop that goes to a thing they have a completely different name for anyways. If you don’t tell them anything (or just say it’s a new version of Windows) they likely won’t notice the actual differences, just complain about missing a specific icon for something without being able to correctly name what it is
- Comment on Kid gave a reasonable answer without all the math bullshit 4 weeks ago:
we don’t have an education system, we’ve got a babysitting system.
To be fair, have you seen what childcare costs?! No sense subsidizing that through taxes when you can just make kids jump through BS hoops in an adversarial system as a form of childcare (and then not even run it the entire workday because fuck you)
- Comment on Kid gave a reasonable answer without all the math bullshit 4 weeks ago:
Honestly I suspect the question was phrased poorly. It should have simply said “who ate more pizza” not stated who ate more and request to explain how