Looking for a brokerage with functional, individual API access to, at least, account positions, balances, and equity/fund/bond prices. Used to be happy with TDA, but they got bought by Scwab, whose API has been “pending” for six months.
As long as it’s actually a TDA account, the API will work. They’re transitioning all those accounts to Schwab, though. Once they transition your account, you no longer have TDA account, so no TDA credentials to authenticate with the API.
I’ve registered on Schwab’s developer site, which has listed ‘individual trader api’ as ‘coming by the end of 2023’ as long as I’ve been aware. They do have a slew of active professional APIs, but those are contract-dependent and not fit for (my) purpose.
I got forcibly migrated a couple months ago, and also expected them just to migrate TDA’s API to their own system, but I’m losing faith in their ‘end of 2023’ promise. I haven’t been able to get any more detail on their timeline/progress, although the developer portal is responsive. It’s frustrating. There’s nothing magical about Schwab’s website, fees, trading, or account services, so if I can manage my frustration and restore my data access by migrating, I’m open.
The options my own search has turned up are Alpaca and Interactive Brokers. Alpaca seems pretty sketchy; still in the ‘startup’ phase. IBKR seems legit, but isn’t one I’d heard of before. I was hoping someone on social media might have had great experience somewhere and be ready to share. Or even that some brokerage might be watching for the opportunity to advertise, even on a community with barely 100 monthly users.
Sure, but you can’t practically hoard beans against the collapse of society, and you have to live in society until it collapses.
In the meantime, the stock market represents human activity - as long as there are more people doing more things with the tools and technology built by previous generations, stock market is going to trend up.
US Garcia frigates (1960s) were 2600 tons; Knox (1970s) 3000; Brooke class FFG/heavy frigates (1960s) were 5400 tons, and Oliver Hazard Perry class FFGs (1980s) 4100 tons.
Spiteful comedy feels good as long as it punches up. Not necessarily funny, but schadenfreude, cathartic, or just relief seeing them ‘get taken down a peg.’ It invites controversy when the artist and the audience disagree on the power structure. Chappellle falls apart around transgender, because he thinks he’s punching up to that group, where I imagine most people believe that trans are close to the bottom of the oppression spectrum. Chappelle’s argument basically being something like, “Well, they can ‘pass’ if they just match gender presentation to biological sex, and a lot of them are white.,” but having to hide your membership in a group is the opposite of power.
I am super sick right now and haven’t eaten much in a few days. It’s getting to the point where I am gonna need to force myself to eat something to keep my strength up but everything just sounds terrible to me right now. I have been subsisting mostly on small glasses of milk and the occasional packet of instant oatmeal....
Nuts are super nutrient-dense. Just a handful gets you a decent amount of calories & protein. You can crush some up and mix with your oatmeal if they’re too much to chew.
Sometimes I will use something and realize I’ve owned it forever. It’s a nice change in our throwaway reality. I think my personal record is a bicycle multi-tool I got for one of my first bikes, ~25 years ago. Still have it, still use it. When it comes to electronic devices I have a Panasonic mini Hi-Fi from ~2005. Never...
My usual drinking vessel is a souvenir cup from the 1992 Miramar Air Show. I still use a “boom box” style radio and clock timer from 1985 as an alarm clock. The tape player on the radio is long expired, but it still plays radio.
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...
I think of my checking account as a buffer - direct deposit goes in, bill pay goes out, any amount beyond this month’s bills goes to/from brokerage. My particular account has a minimum balance and the actual balance hovers right around there. Any interest lost/earned on that balance over a year isn’t enough to worry about, and no payee/payer ever sees the magic numbers to access my real savings.
The key is not to have cash just sitting around, regardless where. If you don’t have immediate need, get it into investments. Modern mutual funds or ETFs are liquid enough to serve as emergency fund - unless your ‘emergency fund’ is something you dip into every other month. While interest rates are so high, it may not feel pointless to keep cash, but even those high rates are only 1-2% above inflation (and have only risen above inflation recently). Get your money back into the economy; don’t pay a banker to do it for you.
So, definitely coming from a position of privilege, but I think of a 6 month efund sitting at 2% (historical) MMA or having a couple of 10-20% years. If you’re looking at an efund that’s 105% of what you put in vs 150%, then that crash is a much smaller concern. Especially because the actual nadir of values (at least in the last 30 years) has been quite short lived. Why I distinguish between emergencies and events that happen once or twice a year: personal emergencies are kind of likely to coincide with stock market dips/crashes, but there’s a lot of growth potential in the meantime. I have taxable and tax-sheltered investments, and don’t distinguish a specific efund.
Risk tolerance is definitely a thing, though. I was 98% equities, 2% cash for 20 years, and only started getting some junk bonds when the yields got above 7%.
These US healthcare systems are effectively scams. Yes in theory they can save you money, however in theory there is no difference between theory and practice, while in practice there is.
I think the real use case for FSAs is people who have regular or predictable health care costs. If you know that, every month, you need $500 for insulin, or every year you have two $200 dentist visits that aren’t covered by insurance, then paying those expenses with pre-tax money can be a big savings - saves federal tax, payroll tax, and state tax. If you’re a young, healthy person whose biggest health expense is hangover advil, then FSA is not for you.
The vlogger’s problem is he was putting money into the FSA “just in case,” and got screwed because he didn’t have need. I’m sure there are tons of HR departments out there that do a terrible job of explaining the use-it-or-lose-it nature of FSAs, so it’s valuable to have the rant out there, but they are good accounts for the people that benefit.
48 years old, currently have no investments. My net worth is my car and the clothes on my back, and I don’t ever want to be in this situation again....
Index funds because none of us (including the professionals who study them all day long) know enough about individual companies and the future of the economy to pick winners consistently. Investing in “everything” averages out the winners and losers and gives you the natural growth of human activity.
Tax protected accounts because you’ll make withdrawals at a time when your income is (presumably) lower, and deferring income to that time means deferring taxes to the lower tax bracket. In the US, tax protected accounts have special purposes: education, healthcare, retirement.
At 48, education is probably only relevant if you want to pay for kids’ college, and that’s what [www.irs.gov/taxtopics/tc313](529 plans) are for.
You are definitely coming to the point in life where, regardless of your general health, you will begin to incur healthcare costs. In the US, that’s an incredibly complex topic, but one aspect to be aware is [www.healthcare.gov/…/health-savings-account-hsa/](Health Savings Account). You have to be on ‘high deductible’ insurance to qualify for these, so probably not empoyer-sponsored insurance, but if you’re self-insuring through the marketplace, many of the lowest-premium plans qualify. HSA will let you save around $4000/year tax-deductible and tax-free, with the restriction that it can only be used for healthcare costs (not insurance premiums) until age 65, at which point the money becomes available for any purpose, still tax-free.
Retirement is probably you main long-term concern. If your employer offers a 401(k), you can put up to $22k in that every year. If your income is $42k, you pay $3200 in OASDI and around $1500 in Federal income tax. Putting $20k in a 401(k) will reduce your declarable income to $22k, your OASDI tax to $1700 and Federal tax to $0, effectively giving you an extra $3000/year to spend/save. 401(k) money is fully taxable when withdrawn, but if you have to withdraw $18k/year (1500/month) after retirement, that is still below the Federal tax threshold (depending on your social security benefits).
For sure, if your employer offers any kind of match to your 401(k) contributions, contribute at least enough to get all of that match. It’s literally free money.
Non-employer retirement accounts are IRAs, either Traditional (tax deductible contributions, tax deferred withdrawals) or Roth (taxable contributions, tax free withdrawals), with $6500/year contribution limits. Roth makes retirement planning very easy, because however much you have saved is what you can spend, but they also mean paying taxes on that money today. In your case, at a marginal tax rate of (7.65+12) = 19.65%, that means $1280/year, where, as with the 401(k), it looks like your after-retirement tax rate will be around 0%, anyway. For most people who qualify, traditional IRA is the lower cost solution, even though it increases the after-retirement tax cost.
Finally, I’m not a pro, this is all just information I’ve picked up. If you’re really unsure, it might be worth your peace of mind to find a fee-only financial advisor and pay them a few hundred dollars for a consultation. Think of it like therapy for your financial mental health. They’ll give you completely boiler-plate advice, but they know all this stuff inside and out, and should be able to set you on a good path in just one meeting. Don’t sign up for an annual contract.
Definitely true, although I think this is more of a concern when you hire one on an ongoing basis to manage your accounts. That management leads to conflict of interest between commissions the advisor might earn on particular investments and maximizing return for the client. Fee-only (is supposed to) mean the advisor doesn’t accept commissions, and should minimize the conflict of interest practically, rather than legally.
Google is probably your best bet, honestly, but it’s not as easy as I implied. www.napfa.org is a good place to start. I tried to find one willing to do a one-off consult when I retired. Figured “fee only” would have a business model like lawyers, but most of them seem to be built around annual contracts with fees based on assets (1+%), which generally means that their target market is people with at least seven figures liquid wealth. At least in my MCOL urban market. There may some good options, or courses, for normal humans associated with a local university or community college.
Astonishingly, to me, a lot of the financial planners I contacted were fully subscribed and not accepting new clients. There are a lot of people out there ready to spend $10,000+/year for the reassurance of a quarterly meeting with a CFP who’s almost certainly not getting them $10k/year in tax savings or investment return. Definitely not improving tax savings by that much in the second year over the first year.
I mean, I’m a numbers guy, so I’m totally comfortable with exponential growth, uncertain returns, and tax models, even if I don’t know all the legal loopholes. To me, the CFP is most useful for knowing those loopholes. I know enough people who are intimidated by calculating the tip at a restaurant to understand the value a financial planner subscription brings, but the fees for apparent effort absolutely blow my mind. Even famously low-fee Vanguard offers a personal advisor service, for 0.3% of assets, which is basically a human to plug your numbers into their robo-advisor.
They’re structured to pay barely more than inflation - 0.0-0.5% more through most of this century - which means that even the 5.27% rate on todays bonds will fall when inflation goes back to its 2% target. They’re about the safest investment you can make, but you’re not going to increase your purchasing power.
On the one hand, using voice as a pre-screening test in places where the normal screening test is too expensive to administer routinely seems like a great thing. i.e.: Read this paragraph to the machine, and we’ll figure out whether it’s worth actually testing you for T2DM, Parkinson’s, stomach cancer, lung cancer, etc, etc. If that substantially reduces the number of tests administered without making too many false negatives, then you can really improve health in some very poor areas.
This data set is definitely not going to give that. It’s not even particularly compelling evidence that it’s possible. It is, IMO, compelling enough to study further. Bigger sample sizes, fewer than 84 recordings over 2 weeks. It kind of looks like p-value chasing, and running a bigger study would answer that.
I have a nostalgic affection for making my own maps. I remember discovering hidden rooms based on unfilled squares of graph paper, and mapping mazes of twisty corridors, both all alike and all different. I think that translating the digital representation to physical added vividness to the imaginary worlds when they were presented as simple wireframes, 8-bit graphics, or even just text.
Today, I don’t have time for it. I would almost certainly end up visiting the same - I’m guessing - half dozen places I could keep in a mental map, decide the game is boring, and play something else. Lazy. Jaded. Spoiled. Whatever - that phase of my development from reading static books, to reading interactive text, simple avatars, now near-photorealistic animations…the phase where I enjoyed the physical crutch for imagination is just gone.
For four decades, patient savers able to grit their teeth through bubbles, crashes and geopolitical upheaval won the money game. But the formula of building a nest egg by rebalancing a standard mix of stocks and bonds isn’t going to work nearly as well as it has.
Can’t read this specific article, but I’ll point out that the “4% rule” and similar strategies mostly come from historical analysis of only the US stock market and US treasuries. The 4% rule really only works in the US, Canada, and Australia - developed nations that weren’t destroyed by WWI and WWII. The rest of the world has had “once in a generation” catastrophes every 20-ish years, which is just about once every generation. And not little micro-catastrophes like Covid or 2008 that recover after a couple years.
If you’ve only been saving since 2019, that is approximately no time at all. They may tell you that, on average, the stock market returns 8-10%/year, which might make you think that some of your savings should be up 40%, but that’s not how it works. (US) stock market averaged 8% after inflation, 10% including inflation, through the 20th century, but its actual, annual return is more like 10±12%. You need a lot of years to average out that much variability.
The financial industry makes its money on fear. On people scared to make their own decisions, so turn to a professional; or people scared of the future so they do desperate, emotion-driven trades. The financial media are there to propagate that fear. Add to that going into an election year with a Democratic President, and you’re going to see mountains of negative economic sentiment and outlook.
FXIAX has been pretty much flat for the last couple years. Your 2019-2020 contributions should have nice gains, but they’re a relatively small part of your total contributions. FSPSX & FSMAX are pretty flat going back to 2019, with significant declines from 2021. FXNAX has been hit hard by the interest rate hikes. You’ve had a slow couple of years, without enough accumulation to outweigh them.
That’s just the way it goes sometimes. If you look at your returns after a +20% year, it’s going to feel great; if you look after a -5% year, it’s going to feel bad. Retirement progress, in my experience, having lived the dot-bomb, 9/11, the Great Recession, and Covid, does not feel slow-and-steady; it feels like treading water and then rather suddenly having a credible chance. You put money in slow-and-steady, so that it’s invested during those infrequent and unpredictable +20% years. The first year you rack up gains greater than your salary is amazing.
There’s vaults labeled “GFBR” 200 yards from my house on the east side, and it’s still “coming soon.” Meanwhile, AT&T is out here digging every 2 years.
IKR? The last time digsafe came out and marked, there were 3 separate AT&T lines twisting around each other like spaghetti, all going the same way and within 3 feet of each other. Like, you’ve already got conduit buried, just blow another fiber through it. Maybe some exec’s kid runs a horizontal drilling company.
Maybe we can gamify that a little. Every time a worker-bee completes a task, the machine delivers a slap and a photo to the worker. We can collect them like sortie markers on WWII bombers. Boss gets feedback on how productive his employees are, and employees get to compete for points.
Many rioters who stormed the Capitol received long prison sentences. Sidney Powell, an architect of the effort to subvert the election, negotiated a misdemeanor plea deal and cooperation agreement....
My understanding is that Powell’s charges in GA were mostly related to some voting machine shenanigans in one county. Whatever else she may have done - fake lawsuits in 49 non-Georgia states, propaganda inciting mobs, even if she had, herself, stormed the Capitol - weren’t part of Georgia state charges.
Jimmy McGill is going to try every possible whining, ridiculous take to get his clients preferential treatment, though. That’s why Jan 6 rioters better call Saul.
It’s already dropped off Steam’s Top Seller list. Big name developer, lots of hype, kind of mediocre game. Not actively bad, so it didn’t get the CP2077 hate, just nothing special.
And for a game where exploration is a major theme, exploration is pretty strongly disincentivized. I gotta spend 3 minutes holding W to get to the closest point of interest from whatever my landing site was, and there’s nothing but empty planet and a couple lead nodes in between? Or I can just pull up the quest and fast travel to the desto, skipping all the walking and loading screens?
omg. I’m just 15 hours in, haven’t discovered temples yet, but that seems unconscionable. Like, MMO levels of grind. I mean, I’ve happily put hundreds of hours into each TES-offline, FO-offline, Deus Ex, CP2077, BG3. I don’t mind repetitive if the mechanic is fun.
MMO grind is for when you expect your customers to spend hundreds of hours just hanging out with their friends and you need to find something for them to do. It doesn’t have to be fun or rewarding, just distracting. Maybe TESO and FO76 have distorted their priorities.
The US workforce added 336,000 jobs last month, much more than expected, as the world’s largest economy remained resilient in the face of higher interest rates....
I have a chart I’ve been following. fred.stlouisfed.org/graph/?g=ZCP3#unemployed and #unfilled jobs. Rate hikes have been bringing the unfilled jobs number down, but they haven’t touched unemployment, and there’s still way more jobs than people looking. Another 6 months, maybe, before the job market gets tight enough to remind the poors of their place in society.
Get your union organized and contracts negotiated soon.
Scientists tell us that being connected and active is one of the secrets to having meaningful and fulfilling life when older. What activities and connections are you planning on pursuing?
When I retired, 5 years ago, I planned to spend more time in online games and maybe find a nonprofit to work with. The online game (Eve) that I’d been playing for years turned tedious after just a few months, and I never found a really interesting NPO. I started walking to local restaurants for lunches, and that simple thing has given me a much greater sense of connection to the community than I got in 20 years of commuting through it. Youtube, Reddit, and now Lemmy, let me feel connected with my interests without having to comment - basically to get a sense of cool stuff that other people are doing, either for inspiration or reassurance. Woodworking, machining, home server/automation, and recently chili pepper farming. I’m reclusive, but I love this life, and I wouldn’t go back for anything. And who knows: I might still get inspired by some NPO.
I’m moderately tech savvy, a little experience with most OS and comfortable with hardware. I’ve got some basic things working in Docker. I want to start self hosting my photo backup, Bitwarden, Jellyfish, Sonarr and Radarr, Pi hole, Home Assistant and replace Dropbox. But the more I dive into the hardware and setup the more...
Not the person you replied to, but the only thing on your list with real processing requirements is Jellyfish, if you do transcoding. My pihole uses like 0.3 CPU on a pi4, HA 0.1, zwave2mqtt less than that. You’re more likely to run into bandwidth issues with sonarr/radarr/dropbox, because pi’s just can’t push data to disks very fast, but if you’re doing downloads in the background, maybe that’s no a big deal.
Not to mention liability insurance. Your gun harms/kills someone? You’ve got insurance to pay for it. Your gun stolen and used to harm someone? Prove it was securely stored or it goes on your insurance.
I keep almost all of my ‘emergency savings’ in index funds. Its value may fluctuate more than cash savings, but the higher return more than compensates. Unless, maybe, you face events that force you to tap it yearly or more, in which case I wouldn’t really consider it savings, so much as budgeting. I’ll generally have around a month-and-a-half worth of spending in cash, but that’s mostly because it’s going to get spent this month.
I think a significant part of recommending to keep cash savings falls to the legacy of financial markets. There used to be significant costs associated with transactions - I don’t mean $7 E-trade commissions, I mean $50+0.10/share - that meant it was really expensive if you needed to get $1000 out of the stock market for car repairs. There used to be significant lags: you’d call your broker, order the transaction, then have to wait several days for the proceeds to be delivered, a few more days for the check to arrive in the mail, then a few more days for the check to clear your bank; now, you order the trade online and they’ll have funds in your bank within 2 days at no cost. If you had an expense come up that needed paid today, then money locked away in the market was useless. Today, you put that expense on your credit card - which only became common in the 1970s - don’t need the actual cash for weeks, and can easily get investment funds that fast.
Example: I’ve been putting money into medical savings (USA) for a few years, which all goes into a S&P 500 index. That’s “down” about 10% from 2021, but I have around 40% net gains in the account. It turns out I have significant medical expense coming up, and it’s going to be a lot easier to deal with because of those gains. For scale, I’m expecting this thing to cost something like 3-4 month’s total spending and the healthcare savings is around 9 months.
As the title mentions, the company I work at is offering free shares when buying back some of the company’s shares, as well as a discount, depending on the amount of shares purchased....
If you’re purchasing shares at a discount that you can immediately sell at full price, that is effectively free money.
Whether you want to hold those shares over a longer term is more complicated. 1) do you think the company is going to be more successful than its competitors? 2) do you think the industry as a whole is healthy and growing? 3) are you comfortable having savings and job dependent on the same organization? (i.e.: if the company has a big loss, you may lose your job and the value of your stock/savings will go down at the same time)
If you’re not comfortable answering the first two questions, then you may want to consider buying the discounted shares, selling them immediately, and putting the proceeds into some kind of diversified index fund. Index funds are popular because they diversify around the losses (and successes) of individual companies and individual industries, and bank on the general phenomenon of long-term economic growth. i.e.: population increase and new products.
ESPPs are a great way for the company to get employees to care about share price and get emotionally invested in the success of the company. They’re a great way for companies to provide additional compensation to employees (and the executives who put the plans in place) without having to call it salary, which often has tax benefits for both the company and the employee.
Senator Dianne Feinstein's career was filled with firsts, including first woman mayor of San Francisco and one of two of the first women elected to the U.S. Senate from California.
Watching my parents age, now into their 80s, they’re only just now starting to admit that, maybe, they’re not as smart, agile, and capable as ever. Chronic kidney disease, COPD, metastatic cancers… No blatant signs of dementia, but it’s a struggle to explain new concepts or devices to them. I think it’s just hard for people who’ve been strong, independent people all their lives to accommodate a world in which they can’t carry 25 pounds or deviate from habits engrained over 20 years. It’s got to be even harder for a politician or oligarch surrounded by sycophants. Harder still when the brain loses its capacity for logic.
Caretaker is way better. “I’ll put a black woman in as a placeholder until a real senator can be elected” sounds horrible.
I mean, it’s a very pro-democracy move to make an explicitly temporary appointment and not distort the election. It’s also a very progressive move to fill the seat with a highly qualified member of an under-represented group. High marks on both counts. It’s just hard to describe the coincidence of those goals in a way that doesn’t sound like tokenism.
50’s fine, as long as you haven’t really abused your body or lost the health lottery. Can’t speak from experience, but 60 looks OK for the most part, although you’ll probably learn your doctor’s name around then. 70 is my current schedule.
Big rental corps will absolutely sell buildings when they think rents are too low. They’ll sell them in bulk to some other big rental corp, though, not piecemeal, one-by-one, to owner residents. Too much overhead and time in a couple hundred individual transactions when you can just do one deal.
I would do perimeter^2/area, to avoid biasing toward small countries. Divide one circular country into two circles with the same total area and p^2/A goes from 4 pi to 8 pi. Divide a square country in two and p^2/A goes from 4 to 6.
Investigators said they were able to stop the potential massacre at Park Valley Church in Haymarket thanks to someone who saw troubling posts on Instagram and called police...
No, no: that’s the other skyguy. We’re like the kids in a bitter divorce, constantly bounced between a good parent and a bad parent, with no actual agency. Except to thank good skyguy, otherwise they might not protect us from bad skyguy next time.
Skyguy whims sometimes feel arbitrary and capricious, but there’s divine or diabolical intent, which means it’s way better than being lost to the randomness of chaotic but determinate natural forces. How terrifying would the world be if stuff just happened for no reason?
I’m pretty sure that Meta is the only company that thought there’s a big market for VR, and even they seem to be giving up on it. Apple’s device seems more oriented to giving you a private workspace than a real virtual world - like a big array of virtual monitors to replace actual hardware - and that avoids the worst motion sickness triggers. Of course, their device is also priced far out of mass market.
The most popular applications for VR are all games, and even the gaming companies are doing very little development in that space. Fewer people think VR will be a big thing than thought 3D TV would be a big thing.
They’re not thinking about these things as games, generally, but specifically how they’ll be perceived by the Xbox audience. It looks to me like they discounted BG3, at least in part, because it couldn’t split-screen on series S. They’re thinking about games you play on the couch, in a group, maybe during a party - not games you play solo for hours or days on end.
That may end up being a self-fulfilling prophecy. BG3 isn’t out on Xbox (officially) yet. We don’t know what their advertising will look like, and it well turn out that everyone who wants to play it will already have gone the PC route.
Good multiplayer games for 3 people
What are some excellent games that remain excellent for a group of three?...
[US] Brokerage with decent API?
Looking for a brokerage with functional, individual API access to, at least, account positions, balances, and equity/fund/bond prices. Used to be happy with TDA, but they got bought by Scwab, whose API has been “pending” for six months.
Buy and hold works - Meet the 'unluckiest' stock market investor of modern times (www.marketwatch.com)
Here’s an archived version of the page....
Germany doubling down on the frigate meme with the class that went into production today (sh.itjust.works)
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What is good to eat when you have no appetite?
I am super sick right now and haven’t eaten much in a few days. It’s getting to the point where I am gonna need to force myself to eat something to keep my strength up but everything just sounds terrible to me right now. I have been subsisting mostly on small glasses of milk and the occasional packet of instant oatmeal....
What item have you been using on a daily basis for the longest amount of time?
Sometimes I will use something and realize I’ve owned it forever. It’s a nice change in our throwaway reality. I think my personal record is a bicycle multi-tool I got for one of my first bikes, ~25 years ago. Still have it, still use it. When it comes to electronic devices I have a Panasonic mini Hi-Fi from ~2005. Never...
[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...
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Matt Breunig on HSA ＆ FSA: The Welfare System Stole $2k From Me (www.youtube.com)
These US healthcare systems are effectively scams. Yes in theory they can save you money, however in theory there is no difference between theory and practice, while in practice there is.
Can you offer investment advice? I'm debt-free, about to start earning $2k more per month than I need to survive. Please offer any suggestions for optimal investment method(s).
48 years old, currently have no investments. My net worth is my car and the clothes on my back, and I don’t ever want to be in this situation again....
DOJ announces arrests in ‘high-end brothel network’ used by elected officials, military officers and others (www.cnn.com)
Using voice analysis, AI diagnoses type 2 diabetes in 89% of women, 86% of men (www.diabetes.co.uk)
Sometimes with a very minor change to make it patentable again. (startrek.website)
Why the original, 1999 version of EverQuest is still one of the best MMOs to play today (www.pcgamer.com)
Your ‘Set It and Forget It’ 401(k) Made You Rich. No More. — WSJ (apple.news)
For four decades, patient savers able to grit their teeth through bubbles, crashes and geopolitical upheaval won the money game. But the formula of building a nest egg by rebalancing a standard mix of stocks and bonds isn’t going to work nearly as well as it has.
Google Fiber goes big with 20-gig plan (www.fiercetelecom.com)
Remote employees ‘don’t work as hard’, says head of world’s biggest commercial landlord (www.theguardian.com)
Steve Schwarzman of the Blackstone group said staff want to work from home so they can save money...
Are you fucking *kidding me?!?* (startrek.website)
Jan. 6 defense lawyers ‘gobsmacked’ by Trump ally’s plea deal (www.politico.com)
Many rioters who stormed the Capitol received long prison sentences. Sidney Powell, an architect of the effort to subvert the election, negotiated a misdemeanor plea deal and cooperation agreement....
Starfield was the best-selling game of September, instantly becoming the 7th best-selling game of 2023 year-to-date. (twitter.com)
A heroic Starfield modder just straight-up deleted those repetitive temple 'puzzles' from the game (www.pcgamer.com)
US economy added 336,000 jobs in September surpassing expectations (www.theguardian.com)
The US workforce added 336,000 jobs last month, much more than expected, as the world’s largest economy remained resilient in the face of higher interest rates....
What connections or activities are you planning to pursue when you are older/retired?
Scientists tell us that being connected and active is one of the secrets to having meaningful and fulfilling life when older. What activities and connections are you planning on pursuing?
Getting in a pickle over hardware
I’m moderately tech savvy, a little experience with most OS and comfortable with hardware. I’ve got some basic things working in Docker. I want to start self hosting my photo backup, Bitwarden, Jellyfish, Sonarr and Radarr, Pi hole, Home Assistant and replace Dropbox. But the more I dive into the hardware and setup the more...
Need help understanding a back-up script
Hello everyone!...
Man accidentally shot child while officiating wedding near Lincoln, deputy says (www.klkntv.com)
A Texas man accidentally shot a child while officiating a wedding in Lancaster County on Saturday, the sheriff’s office says....
[EU] How many months savings do you consider enough?
As the title says I am trying to see where people stand on this. Obviously this is all personal preference. But that is what I am after....
[EU] Buying company shares at my job - worth it?
As the title mentions, the company I work at is offering free shares when buying back some of the company’s shares, as well as a discount, depending on the amount of shares purchased....
Sen. Dianne Feinstein, an 'icon for women in politics,' dies at 90, source confirms (abc7news.com)
Senator Dianne Feinstein's career was filled with firsts, including first woman mayor of San Francisco and one of two of the first women elected to the U.S. Senate from California.
Night owls and early birds (lemmy.ml)
Homebuying activity is falling off a cliff (On a yearly basis, pending transactions were down by 18.7%) (finance.yahoo.com)
How can we define a robust metric for "most discontinuous country" and then rank all states according to it?
More of a classification question, but I’m really curious about what the metric would look like if we try to be systematic about it....
‘Thwarted diabolical plot': Man arrested minutes before mass shooting at Northern Virginia church, police say (www.nbcwashington.com)
Investigators said they were able to stop the potential massacre at Park Valley Church in Haymarket thanks to someone who saw troubling posts on Instagram and called police...
VR still makes 40-70% of players want to throw up, and that's a huge problem for the companies behind it (www.pcgamer.com)
Why virtual reality makes a lot of us sick, and what we can do about it.
Microsoft completely misjudged Baldur’s Gate 3 (www.polygon.com)
Not a great look for Microsoft
When you have a domain but never leave your house (lemmy.world)