They're talking debt-to-disposable income ratio, which ChatGPT tells me means "Debt over in income after tax." I don't think this is necessarily descriptive of someone's financial situation. I'm over 400% debt-to-disposable income, but I could pay off my mortgage in a week if that made financial sense.
If you've got investments returning more than your loan rate costs you, I don't know why you'd pay down your loan any sooner than you had to.
Something I worry about, but haven't seen anyone mention yet, is that a long-after-the-fact apology seems a little self-serving. I'm the one who feels bad, so I'm going to bring something up again hoping that I feel better about the situation afterwards.
There are people I didn't treat very well when I was young. When I think about reaching out to apologize I imagine the interaction ending with me feeling better and them feeling shitty again.
Reading this thread, however, it doesn't look like that's how this usually goes. So, maybe I should rethink it.
This is a little overly simplistic. They exist because of us, and they can't survive without us. So, it's not like we can just swing open the gates and tell them to be free.
I'm not saying "and therefore, let's keep breeding them", just that "all cattle are stolen" doesn't make a lot of sense.
Can you say more about this? The video card you're passing through is on the Proxmox server, yes? Then you're booting VMs and connecting via a thin client?
No lag issues? Are you connecting local USB devices to your thin client? What about video conferencing?
I feel like a proper contingency in this scenario would be some sort of "instant death" system. Knowing you're going to die, but waiting 96 hours for it to happen sounds terrible.
I want to like macOS but Apple, IMO, is doing scummier and scummier things with it. For instance, I haven't signed in to iCloud. Once a day it seems, I'll get a little notice telling me that not all functionality will work until I've signed in. Ok.. So I click the little 'X' on the notification. It opens the settings to the iCloud setup screen. That's not what 'X' is supposed to do!
It's roughly the same size as the Fairphone 4, isn't it? Like 1mm less thick.