birb_cromble
No bio...
User ID: 3236
birb_cromble
14hr ago
Current spending is $665.18 lower than it was on the same day last year.
I have two big expenses (car insurance and the second half of my home repair bill) coming up, so I expect to overshoot again in the next eight weeks. In the meantime, I'm going to try to keep spending down to mitigate that.
birb_cromble
18hr ago
I'm the Bartolatta case, were there any particularly spicy ballot measures this year? Democrat turnout was unusually high in my district, but it was due to local school board drama rather than anything related to the primaries.
birb_cromble
20hr ago
Current spending is $665.18 lower than it was on the same day last year.
I have two big expenses (car insurance and the second half of my home repair bill) coming up, so I expect to overshoot again in the next eight weeks. In the meantime, I'm going to try to keep spending down to mitigate that.
birb_cromble
22hr ago
When you drink way more with friends, is it over the same time frame? It's easy to lose track of time when you're having fun with people you enjoy spending time with.
birb_cromble
23hr ago
If the hand of god reached down and stripped out all corruption from America, Donald Trump would still be a billionaire
Are you going to seriously claim that a guy who did real estate and development in New York City, in the 1970s and 80s, bares not a whiff of corruption?
birb_cromble
1d ago
I've beaten the S&P by about 1.5% over the last 20 years. I do it with a fairly simple buy and hold strategy of broad market index funds, and a few tilts into growth and value funds, along with some real estate funds. The main thing is that I just... don't sell. I may stop putting more money into a fund, but I don't sell it. The market is pretty cyclical, so it seems to work ok.
birb_cromble
1d ago
The 0 down/0% APR is great if there's no prepayment penalty and you're 100% certain you can pay it off in time. A lot of people take that deal, then don't pay it back and get hit with back interest.
I don't know if I'd recommend an index fund though, you can lose principal in a down market.
birb_cromble
2d ago
My mechanic just sent out a notification that their allocation of motor oil is being cut by the dealer network, and to expect higher prices as a result. I looked online, and rumors abound that AutoZone is experiencing a similar problem.
This got me thinking about just how pervasive petroleum and petroleum byproducts are in the modern supply chain. The last time we saw prices like this was 2008-2012, and I'm struggling to make a comparison. The fallout of the financial crisis was so strong that it masked a lot of the effects.
What do you think will happen if the strait stays clogged up for another month? Six months? A year?
In the short term, I think we're going to see a lot of industries try to normalize a "fuel surcharge". I'm already seeing it locally from landscaping companies. I could see big logistics companies like Amazon try it as well. Beyond that, I don't think I have any predictions that are worth saying out loud.
birb_cromble
3d ago
Rural mid Atlantic?
birb_cromble
3d ago
That is what dogs are for raising children.
My malamute used to earn her keep by killing rattlesnakes in the wood pile. I'm pretty sure I'd get a visit from the county if I made my kids do that.
birb_cromble
3d ago
You got lucky. My one cat drools like a Saint Bernard when she's happy.
birb_cromble
3d ago
Several years ago, my bank card was compromised, and when I went to use my credit card, it automatically locked because of "suspicious activity". This all happened on a three day weekend when I couldn't straighten it out easily. It taught me the value of having some cash on hand for essentials.
birb_cromble
3d ago
Audiences can actually get upset about a story not being realistic because the author was too accurate and didn't fit their misunderstanding.
My favorite example of this is older movies where they put hoofbeat foley over scenes where people are riding horses through a sandy desert. Hooves don't make that sound on sand, but people got uncomfortable watching scenes where the audio cue wasn't there.
birb_cromble
3d ago
This is going to play merry hell on owner-operators. Nobody's going to want to underwrite one guy with one truck.
birb_cromble
3d ago
multiple random and unpredictable 4 figure bills falling out of the fucking sky each month this year
You too? I feel like my wallet's been kicked in the balls this year.
But she's hyper risk averse, so it's unlikely to ever move
My partner is the same way. It took me about five years, but I finally talked her into setting up a Roth IRA a couple of years ago. She hates it, but she's doing it.
birb_cromble
3d ago
I'm not George, but the accent thing drives me nuts. I've lived all over the south, but the one that infused my speech patterns during the language forming part of my childhood was the Kentucky/Tennessee/West Virginia Appalachian accent.
It's distinct from the lowland accent that you hear in Eastern Virginia, which is itself somewhat distinct from what you hear in Georgia (and Atlanta has its own thing going on). Louisiana has two distinct accents (the northern one sounds more like Alabama). Western Kentucky and Tennessee sound different than the Eastern half.
Despite all that, the only one you ever really see portrayed in the media is an abominable blend of Georgia and West Kentucky. It doesn't make sense. It's like blending a Boston accent and a Brooklyn accent into one voice for a character who was born and raised in West Covina.
birb_cromble
3d ago
Don't get your hopes up. That project has been in limbo for a long time now
birb_cromble
3d ago
The idea that high schoolers in 1995 would listen to Devo would have seemed laughable.
I went to three high schools in two different states during the 90s, and "Whip It" was something I'd hear in the parking lot every week. The only thing that had as much staying power was Limp Bizkit.
birb_cromble
4d ago
If it makes you feel any better, think of it as insurance.
If you invested $1,000 in the S&P 500 five years ago, you'd get a 77-78% return. Amortized over 5 years, that's about ninety-seven cents a day. How much is it worth to you to have cash handy if your card gets stolen and your bank is closed? Is it a dollar a day?
birb_cromble
4d ago
I think so. I've seen Korean stocks in both international and emerging market funds.
birb_cromble
4d ago
I'm extremely conservative by the standards of this forum, and I keep $1,000 cash in my house. That's enough to get me a couple of weeks of my bank account gets hacked or something.
birb_cromble
4d ago
Are you doing a bit here?
birb_cromble
4d ago
Ireland has been pumping out a lot of interesting, low budget horror for years now. If you haven't seen A Dark Song, I'd highly recommend it.
birb_cromble
4d ago
What the hell is going on in Korea?
South Korea's stock market suffered a sharp selloff on Friday after a historic rally pushed valuations and investor positioning to extreme levels, exposing how heavily the market had become dependent on a handful of artificial intelligence-linked semiconductor stocks. The benchmark Kospi plunged 6%, wiping out early gains after briefly crossing the 8,000 mark for the first time in history during morning trade.
Is anyone putting money into Korean equities? There is a lot of momentum in that area, but momentum investing is a risky game. In some ways, it feels like the Korean market is a preview of the US one. They're smaller, and growth even more concentrated in the semiconductor --> GPU --> data center --> AI chain than the US is.
https://www.sec.gov/Archives/edgar/data/1181412/000162828026036936/spaceexplorationtechnologi.htm
SpaceX S-1 is public. Reading over it so far, I'm not particularly impressed. I'm surprised that rents from anthropic are their biggest source of revenue right now, beating out starlink. Any predictions on how this IPO goes?
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