That’s very funny.

Assuming legally married or sufficient confidence to not have a break-up be a risk factor here. Gotta say that part.

To me, 4.5% and 5% (taxed) is not sufficiently different to be worth the mind space. If the world was perfect, you should do the CD thing. In real life, there could be a glitch or a mistake of timing that causes an issue with payment of a loan or an auto draft or something, you have to think about it and make sure it’s still paying and your CD is re-upping at a high enough interest rate etc. Not worth it in the slightest to me.

From context clues it seems like they were hosted on Lemmy which is why they are now limiting image hosting.

You have control by default. If you hire a financial advisor to manage your funds, you’re giving them control but you can tell them not to sell ever and they will do what you say.

Their point is that they agree with you 100% on slavery, but this isn’t slavery.

Why are 50 percent of prisoners minorities?

Because the system is racist and bad and minorities are disproportionately imprisoned. Nobody here is arguing against that. They are just pointing out that if 50% of the “enslaved” are white, that is a different sort of thing than the race-specific enslavement of black people. Things can be not-literal-slavery while still being bad.

What happens if you refuse to work?

I assume you can’t refuse without a medical exception of some kind. These are imprisoned people, they also can’t leave. Not trying to excuse everything about prison labor but as a society we have decided the state has the capacity to remove rights from people as a punishment after due process has been afforded to them. We can argue that it’s not right or humane to force labor on an imprisoned population without saying it’s literally slavery. “It’s not literally slavery” is not a defense of the system.

We’re not arguing “well prisoners can’t be sold to other prisons so that proves it’s not slavery” because that one difference doesn’t prove anything, just like one similarity doesn’t prove anything.

It may not be inherited at birth but is the system setup to capture successive generations of prisoners from the same families?

…no? Even if you include Capitalism and wealth inequality and racist policing as part of “the system” maybe members of the same family are disproportionately likely to be imprisoned because they are the same race and likely similar economic status, that isn’t because a parent was imprisoned. There’s nothing targeting children of imprisoned people. And even then, you’re trying to compare disproportionate odds to be imprisoned to literal 100% ownership of slaves’ children by slave masters? What are we talking about here?

It’s also time-bound for the length of the sentence. So like sure it’s slavery…temporarily, non-inherited, non-race-specific, as a punishment for a crime, at least sometimes paid.

Which is just a lot of caveats.

Similarly, having a job is just temporary, non-inherited, non-race-specific paid slavery where you get to pick your slave master. Sure you can make that argument but it’s not a very good one.

A lot of stuff about the US prison system is really bad, including this part, it’s just not literally slavery, and it doesn’t have to be slavery to be really bad and need changing.

I usually wait until Feb to be sure I got all my forms but I wouldn’t think now is that early.

Pretty sure it should be “valuation”

Direct Drive tech reduced the number of moving parts so low that it put Big Washer Repair out of business and they had to develop other ways to monetize your laundry.

Personally I had way too many quality issues at that price range. An earbud would be randomly quieter than the other, the battery of an earbud would die, the Bluetooth would suck, or they would be unusable for phone calls. I bought refurbished $100-something headphones for $70 and haven’t needed to buy any more since.

There’s a famous example of the poverty trap that uses boots that fall apart every season vs quality boots that last, and I think there is a quality level that is so bad it’s more expensive in the long run. So I do buy shoes that cost money. But I’m not buying fashion shoes or luxury brand shoes which I think is what you’re saying too.

That’s kind of like saying sports cars are the transportation equivalent of a painting because they are made to look good. I guess you could say that, but it’s not really a useful metaphor if they only have the one thing in common and they’re both things everyone would be familiar with so you’re not translating into more common experience.

Say you have $7000 day 1. Option 1 is to invest it all immediately. Option 2 is to invest only a portion and just keep the rest in cash until you invest later.

In the long run, the invested side always does better than the cash side, interest rates on a savings account by definition never match the long run gains in the stock market. You get a premium for your money in the stock market because it can go negative in the short term.

There is a reason to do Option 2, if you’re saving for a house or a car or something you probably don’t want to risk the market going down right before you want to make that purchase. Or if you are very sensitive to losses and you would he anxious or devastated if you put the money in and saw the value drop.

But for retirement funds, you want to maximize long term gains so it makes the most sense to put it in Day 1.

“Have more kids to save the culture” seems 100% at odds with saving the planet, as does expending 51 tons of CO2 to make the statement.

If everyone lived like Elon the planet would be ruined and the only hope would be colonizing Mars…but there’s no way to get everyone off the planet, especially if we have 11 kids each.

I just don’t see a coherent ideology except “save the planet long enough for me to off it.”

This comment did not go where I thought it was going but very interesting. You’re clearly making the right call for your personal finances.

I assumed you were going to say something about like expensive composting equipment or aluminum straws.

That ‘immigration is bad’ would actually be the vastly more common incorrect belief.

Corporations bought 15% of homes sold in that quarter, they don’t own 15% of the homes. The total owned is much less, I think it’s 2% combined. But regardless, that does not impact HOUSING, it impacts home buying. Separate issue.

If 100 people need somewhere to live, and there are 98 houses, 2 people will not have housing. Now imagine a corporation buys 10 houses and rents them out to 10 of the people. Still exactly 2 people without housing. I care more about helping the people who do not have places to live.

Trump appeared on Epstein’s flight logs at least 7 times confirmed in a court of law it’s not even conjecture to say he is on there.

There is literally no evidence or reason to believe Biden is on the list.

But BoTh sIdEs

I don’t care if companies own houses, they rent out those houses so the amount of housing is still increasing.

Same for “those outside the country” unless you mean like billionaires buying housing units and not living in them and not renting them out, but that is not a big enough part of the market to matter.