Reminds me of the test server shenanigans I had at an old job versus a colleague. All in fun. Nothing in production.
One was the faux Bash shell that kind of worked OK until you pushed it or tried to do anything fancy. It was the default shell for the user called "root", but that wasn't the UID 0 user. It had been, but I renamed it. Then created a new "root" with a different UID. Of course, the faux shell would tell "root" that it was UID 0.
The other was the simple background loop that would detect any rival admin sessions and SIGHUP their shell process. First user on the box to run that pretty much had free reign, and everyone else was logged off instantly.
How the hell is supporting the democratic rights of settlers supporting imperialism. An idea that is founded in feudalism.
Besides how the hell is the Falklands Islands to do with imperialism. No one lived their at all before UK settlers. UK was the first human landing France Spain and UK ran military out posts for decades. Argentina less then 1 year. Then some UK folk built a settlement. At no point in the past has any nation taken over the homes of other nations citizens. In fact the closest we have seen is Argentina trying to force its way. A nation also built by Spanish imperialism.
Your arguments are totally unfounded bullshit with less then 0 merit.
I expected to just get a “Permission denied”, but listing the content it can still do. So x is for following the name to the inode and r for listing directory content (i.e. just names)?
The standard itself is 7-bit, since wires were deemed more valuable than endpoint logic for the teletype machines way back then. If you’re running it on an 8-bit byte machine you could do it either way, although I’m not sure what the point in parity checking individual characters is. Modern software uses 0.
Deutschland hat die mit Abstand niedrigste Schuldenquote unter den großen Industrienationen: Die Regierung arbeitet sich an einem Thema ab, das eigentlich keines ist....
Die 0,35% BIP Defizit, die die Schuldenbremse erlaubt sind einfach viel zu gering, erst recht im aktuellen Umfeld. Sie bietet auch kaum Spielraum, um angemessen auf Wirtschafts- und Strukturkrisen zu reagieren. Zum Vergleich, die USA fahren dieses Jahr ein Defizit von 7,3% BIP. Umgerechnet auf Deutschland wären das 300 Mrd. Euro Mehrausgaben jährlich. Angesichts dieser Zahlen, braucht man sich nicht wundern, dass es jenseits des Atlantiks deutlich höhere Wachstumsraten gibt, wenn der Staat solche Summen in die Wirtschaft pumpt. Vor allem wird es mit dieser Schuldenbremse auch schwer, bei dem aktuellen globalen Subventionswettlauf für Zukunftsindustrien mitzuhalten.
Das reguläre Defizit von 0,35% ist auch nicht für “Wirtschafts- und Strukturkrisen” gedacht. Dafür ist die Notverschuldung da, die bisher auch für Krisen genutzt wurde. Wenn es jetzt eine solche Krisensituation geben sollte, dann ist die Schuldenbremse kein Hindernis. Man muss aber ein Gericht überzeugen können, anstatt jedes Jahr eine neue Krise zu erfinden, um aus dem Vollen schöpfen zu können.
Um im Subventionswettlauf einigermaßen mithalten zu können, bedarf es meiner Meinung nach nicht unbedingt neuer Schulden. Es gibt genügend gute Finanzierungsquellen, die keinen Wirtschaftszweig besonders gefährden würden. Die Politik scheint nicht bereit zu sein, diese Entscheidungen zu treffen. Stattdessen werden weiterhin unsinnige Ausgaben getätigt und einige Bereiche, in denen Mehreinnahmen längst überfällig sind, werden unangetastet gelassen. Kein Wunder, dass das Geld für Zukunftsprojekte fehlt. Mehr Schulden scheinen eher ein politisches als ein wirtschaftliches Problem zu lösen.
Die USA als positives Beispiel für eine gute Wirtschaftspolitik zu wählen, ist eher fragwürdig. Bei anhaltend hohen Zinsen ist damit zu rechnen, dass sie in einigen Jahren ernsthafte Finanzprobleme bekommen könnten.
Eine Ausgabe von 300 Milliarden liegt weit jenseits dessen, was sich das Land dauerhaft leisten kann. Ist es dann so schlimm, dass diese Ausgaben eine Zweidrittelmehrheit im Parlament erfordern?
Most people take a simple view of cash: they have a checking account for spending and a savings account for savings, and if they get fancy, they’ll have a CD for longer term savings goals. Power users will change to an online bank with better returns, and that’s about as far as it goes. That certainly works, but we can do a...
Yeah, the Vanguard money market funds rock, but they don’t have debit cards/account numbers AFAIK, so they can’t really be used like a normal bank account. Fidelity and Schwab both can, so they’re a better replacement for a traditional bank account.
And expense ratios don’t matter for money market funds, the important thing is net return, which is how they’re all advertised. SPAXX has ~5% returns, which is after taking fees into account, so it doesn’t really matter that it has 0.77% or whatever fees. That said, most of the difference in returns can be explained by fees, so it’s interesting if you’re wondering why two similar funds are different.
And the 0% funds are cool, but they really don’t matter much. The difference between 0% and 0.04% or whatever is smaller than the tracking error between funds. I do invest in FZILX in my HSA, but I don’t think it’ll perform much differently vs competitors like VXUS.
The upside to me is the awesome HSA, decent customer service, fantastic debit card, and auto roll feature for t-bills. Schwab is similar. If Vanguard offered those features, I’d probably use them instead (I have my IRA and taxable brokerage accounts there).
security concern
I don’t think that’s a thing.
If you use one account for everything, I think it will auto draft from money markets and mutual funds, but it won’t do any market trades like selling ETFs. I personally don’t use it that way and have three accounts (and an HSA): two Bloom accounts and a Cash Management Account. The two aren’t connected, so I can’t pull from the CMA using my Bloom debit and vice versa, nor would it pull from a different account automatically. If I had a brokerage account, it would be separate from the CMA and a Bloom accounts.
So what I do is leave my CMA empty and the debit card locked unless I need to use it, and then I transfer from Bloom to the CMA so there’s cash to withdraw, and then unlock the debit card. That’s probably way more paranoid than necessary, but I rarely use my debit card, so I’m okay with it.
I keep a budget, and this structure keeps me honest
It’s not clear why you don’t have it all sit in brokerage checking instead of split between savings? Personally I find any sort of attempts to “trick” yourself into certain spending behaviors when it would be more optimal to do something else with better discipline to be silly.
However, the bank account can’t fulfill other benefits, like state tax savings on interest
How much interest are you making? For every 1000 you have in SPAXX, let’s say you make 5% interest on it, so $50. You can take 30% of that income off of your state taxes, so $15. Let’s say your state taxes are 5% because I’m not sure where you live, so that’s 75 cents per 1000 that you’ve saved (did I do that correctly?). Returns being 5% is highly abnormal, so this is best case scenario at the moment.
the ability to invest part of my savings into t-bills or funds(I can get a CD though).
Unless you can sell these fully liquid I don’t see the point. You might as well put it into these types of accounts normally if that’s where you want money to be. If your money is truly tied up in t-bill ladders then it seems less liquid than selling stocks.
the debit card is way better than any bank account I’ve had
Good banks have good debit cards.
What happens if SoFi no longer has the best rates?
I’m not married to SoFi, but if it was severe I would move. I already have accounts at most of the big ones so it’s not a big deal to me. Money market accounts are not guaranteed to be the highest rates either, and when I switched a few years ago HYSAs were leading money market returns. When that becomes the case will you move? Personally I don’t keep enough cash to sweat $0-10 per year.
when will they add needing debit card transactions as well? That kind of thing is pretty common with banks since they may not need to be as aggressive in getting deposits at some point if the loan market cools
This doesn’t happen at normal banks. This is common with very specific banks that offer really high returns compared to normal HYSAs. I don’t think these sorts of banks are ever worth it unless you’re holding onto a ton of cash, which I also don’t think is good.
Regardless, that’s not really what this is about. I’m discussing bank vs brokerage account, not investing vs not investing cash reserves…
It’s relevant because your entire emergency fund strategy changes when you keep most of it in a real brokerage account instead of with money market. You are talking about how to optimize your big pool of cash, but I’m saying that you should focus less on chasing 0.3% returns on your cash and more on keeping less cash around in the first place. I keep about $3-4k cash around liquid as money that I could use today if I needed to. If I need more money for an emergency, I can still cash it out of my brokerage account very quickly without needing to keep the full 6 months worth of expenses tied up in cash. Note that I have a ton of money in raw brokerage because I make too much money to put it all into tax advantaged spaces. If you don’t make enough money to outpace your tax-advantaged spaces it’s possible that you don’t have any money available to play with in raw brokerage to start with.
it all comes down to when you’re likely to need that cash and how much the market has tanked. By the time you have enough assets that the difference doesn’t matter, you also have enough assets where the extra you’d potentially get by investing it doesn’t matter.
I’m not sure what you mean by the second part but as for thinking that having your emergency fund in a brokerage account isn’t worth it: if you have very bad luck you might lose money in the short term, e.g. putting money into stocks, market crashes, then you have an emergency. Even in this case, unless you continue to have an emergency frequently and with every downturn, you will still come out ahead of cash if you continue with the strategy after your first emergency. On the flip side, in the average case if you have an emergency without the market being down or best case don’t have an emergency for the first few years, you’ll have outpaced any returns that cash will give you for quite a while, and this will continue to grow indefinitely. Stick it in bonds if you’re risk-averse, but keeping it in cash is wasting money. Cash returns are very high right now and it’s easy to feel comfortable with your 5% money market, but the calculus will change when returns go sub-1% again.
Idk, 0 being the melting point and 100 the boiling point of water just seems to make much more sense to me than whatever the hell the Fahrenheit scale is doing
Consider it as a general scale from 0-100. First third is freezing, second third is alright, the rest is kinda bleh. Above or below the scale, take caution when you’re outside
Lack of acceptance for what? Leftism is a group of ideologies, and not necessarily one built around tolerating that which they oppose out of a sense of moral superiority.
I was just asking for what you’ve seen that points to Communism working in theory and not in practice, because so far you’ve explained exactly none of that.
I’ve found a good start for your lack of understanding, though! You completely misinterpret the definition and conflate private property with all property, when it is specifically referring to tools and industry, ie the Means of Production. You absolutely own things in Communism, like your house, toys, games, books, etc. You just don’t own Private Property, like factories, restaurants, etc. The definition of Communism is a Stateless, Classless, Moneyless society, and you make the error of pretending to know what exactly that entails by your own worst imagining of your own worst interpretation of said phrase.
Your next paragraph is also very enlightening, you assume Capitalist Mode of Production with Communist consequences! This is precisely what I’m getting at, you believe things like Companies would exist in Communism, when Communism itself is anti-market, and you’re again making the assumption that we can just turn on the big red Communism button and get there, when it must be built over a long period of time, with structures such as worker councils.
Your question about bullshit jobs has numerous solutions, actually. First of all, you’re assuming Communism in modern society, rather than the future, after lots of automation. Socialism would have monetary rewards, even lower stage Communism as well, for performing this labor. Eventually, it would be like your current life. Who cleans your house? You and your roommates, whether that be your friends, or family. In a Communist society, likely everyone would take turns, for whatever bullshit jobs haven’t already been automated away. In lower stages, they would be paid more money until this becomes possible.
Your points on the USSR and China are also wrong. In the USSR, wealth inequality was magnitudes lower than it is in their current oligarchic hellscape, and the Workers actually had a lot of say over how their life went, assuming they didn’t criticize the Politburo. This was referred to as Soviet Democracy, by which worker councils called Soviets decided things democratically at the local level.
No, I wouldn’t live in the USSR or modern day China, because they are developing countries with authoritarian leadership. However, you’ll find that is true across the board for developing countries. Perhaps if the USSR or China ever fully developed and became more democratically accountable, I would choose to live there, but for now you’ll find that quality of life follows development more than structure.
Both Maoist China and the USSR had far less wealth inequality than they have today, both doubled life expectancy, and the USSR had close to 0 homelessness with fully free education and Healthcare. They also lacked luxury goods and had an Authoritarian party controlling the state, but you’re demonstrably wrong about wealth inequality.
I am not a tankie or a supporter of the ML form of Socialism, if it needs to be restated.
If I point to Hitler’s Germany, Pinochet’s Chile, and Batista’s Cuba, does that mean that Capitalism is great in theory and doesn’t actually work in reality because it results in Authoritarianism? The answer is that you must state the why and how this came to be, so as not to repeat it.
Do you genuinely think the USSR and China are the only forms of Socialism that could ever exist?
Please, just read some leftist theory or watch some YouTube videos. All of your false preconceptions are easily debunked even by looking at historical records and doing some light critical thinking. I know you mean well, but you could genuinely have improvements in your understanding.
Nothing is stopping the user from accessing lemmy.world communities from the alternative instance they chose (unless it has defederated). It’s just that in this case lemmy.world did not want to be responsible for the user’s content.
Abusing admins is nothing new and with reddit you have absolutely 0 recourse besides making a new account at the mercy of the very same admins. On Lemmy at least you can select another instance and still access the same content.
I’m a heavy emoji user, texting is such a poor medium for communication, many times people get the wrong message, but with an emoji you’ll get an idea of the face I’m making, so less chance of misunderstanding...
I don’t hate all emojis. I do hate how the vast majority of people use them.
Back when I used Skype, I freaking loved all of them because the animations made it very clear what someone is trying to express in an easy to understand way (assuming everyone in a given chat had a similar culture).
Discord is a not-so-close second. I like a decent chunk of the emojis because they are super expressive while being simple. More importantly, custom emojis allow for incredibly unique ways of expressing ideas that only a small group will understand. It’s perfect for inside jokes.
In general, though? Emojis are so freaking bland and inoffensive. 90% of the time that they’re used, there’s literally 0 reason for them to be used. I don’t need a page full of pregnant people and 16 variations of a family because it’s nowhere near as effective as saying “I’m pregnant” or “I have 3 siblings.” Whoever makes Unicode/these emojis is so hell-bent on inclusivity that they often ignore what makes human inclusivity so important: personality.
As for the people that use them on the daily? The vast majority seem like a hivemind. On YouTube you will literally find pages of “bro [insert incredibly basic observation] 💀😭” in a single comment section. It’s one thing if it were a reference to something insane or unhinged like a copypasta, but it’s another when it’s a subconscious “can I copy your homework” over and over again. People overuse emojis in the same way that people type out “lmao” with a straight face in response to a meme. They’re used out of laziness so often that they’re becoming filler speech.
TIL (lemmy.world)
Steam Sale Games
What are people excited about for with the steam sale? Any hidden gems you’d like to share with the class?
Don't be a no-poster (sh.itjust.works)
ich⏱️iel (lemmy.today) German
Falkland Islands sovereignty not up for debate, UK warns after Argentina's new president vows to 'get them back' (news.sky.com)
You can't cd or ls in a folder if you have no +x permissions on it. That is all. I wasted 3 hours of my life.
Tough life (lemmy.ml)
Now with **extreme** deep-conversation action! (startrek.website)
We've come a long way baby (i.imgur.com)
I did not ASCII that coming (lemmy.sdf.org)
Schuldenbremse: Wir haben kein Schuldenproblem (archive.is) German
Deutschland hat die mit Abstand niedrigste Schuldenquote unter den großen Industrienationen: Die Regierung arbeitet sich an einem Thema ab, das eigentlich keines ist....
[US] Consider a brokerage account for your main bank
Most people take a simple view of cash: they have a checking account for spending and a savings account for savings, and if they get fancy, they’ll have a CD for longer term savings goals. Power users will change to an online bank with better returns, and that’s about as far as it goes. That certainly works, but we can do a...
measuring rule (lemmy.blahaj.zone)
Why? Are we not doing enough? (file.coffee)
by fedidb.org
Study finds coffee inhibits SARS-CoV-2 (cellandbioscience.biomedcentral.com)
why do lemmy users hate the use of emojis ?
I’m a heavy emoji user, texting is such a poor medium for communication, many times people get the wrong message, but with an emoji you’ll get an idea of the face I’m making, so less chance of misunderstanding...