WalrusDragonOnABike @ WalrusDragonOnABike @kbin.social

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Joined

2 yr. ago

6 years ago? Was togetic's catch rate still bugged them? It was practically uncatchable at launch (only crit catches worked)

If only all cops would do this for all cases until the prisons/jails are improved...

Cars are the least efficient means of transporting people and make all other means of transporting less efficient. Less cars = more transportation happening.

Bumpier = slower = safer.

Slower = driving less distance = less wear and tear.

USmobile still offers non-unlimited plans. I thought ting did as well, but I guess that changed at some point. But I think I've only heard of one person using USMobile.

The only reason I use it over firefox is about tab grouping and how tab mutting work by default. I don't feel like trying out a bunch of extensions to find one that does what I already get from another browser. Also don't have to worry about installing ad blocker. Originally switched because it worked better than uorigin for a specific use-case that was relevant for me. I also have vivaldi, firefox, and librewolf install and will use them occasionally. Privacy isn't a big concern for me though; when I tried to switch to librewolf, the privacy features ended up annoying me so I disabled a lot of them because they interfered with using the browser how I wanted.

Not recommending Brave. I agree at least in theory with using Firefox and I want more people to use Firefox. But its what I'm use to and there was reason for me to try it out at the time I switched to it (that's probably irrelevant now).

Its a nature trail meant for well-off office-workers to go for recreation during the day, so they're not going to build several miles of fencing for poorer people to commute at night. Pigs are primarily nocturnal, so they're not an issue during the day.

Also roads obstructing wildlife migration is already a problem. We shouldn't be trying to expand that.

Its an unlit winding trail along a steep drop off with pigs (and I do not mean cops - another part of the trail is directly on their station and I've never had any issue riding there at night: its lit, ironically by car dealerships, and not along a steep drop off; it also does have pigs out hunting at night though).

Seen a lot of very similar pictures generated via midjourney. Mostly goats fused with the couch.

Thanks. Fixed.

My first impression was "AI" when I saw them, but I figured an AI would have put buildings on the road in the town and the 2nd one was weird but that parts fit together well enough.

https://lh6.googleusercontent.com/J3LvbjpHfm0Gw5r5YqMwehxWOoW3kd39FRHqbFZKKNECTH4QEAflKctJ-lOMKtaYGv15LOBaMJ3TDzKur3ZhdPuFI-eVNS-7yWzYg2QsUzyKsjzzXKh3jActT2Erqxyxg=w738

and

https://lh3.googleusercontent.com/fTZ0PRtlxfw15iUd-eQWEf0QWo3KpzO-KyVBjdfbT7dgSq-X3lzyUbnuOoFH2e3QxDdswRr1OZF-e9jHRB6DOHS4M-qLRTqwA68jU9HXo1SE4WHHuTkL6v1OR3A2TcqmiQ=w737

About 20% got those correct as human-made.

mean SD
No 9.40 2.27
Yes 9.74 2.30

Definitely not statistically significant.

Imo, 3,17,18 were obviously AI imo (based on what I've seen from AI art generators in the past). But whatever original art those are based on, I'd probably also flag as obviously AI. The rest I was basically guessing at random. Especially the sketches.

I never used AI generators myself, but I've seen others do it on stream. Curious how many others like me are raising the average for the "people that haven't used AI image generators" before.

I'd say some disability benefits as well. Simply getting by can be more expensive when you can't do basic tasks yourself, even if you have the best universal health care possible.

If people have UBI, you can get away with paying less though. That's how walmart does it; just encourage your workers to get welfare so they stay alive enough to work more

Switch to using an ebike this year, so it has its built in light, I have another rear light that blinks (not very bright and turned so its not directly facing drivers), and recently got a helmet with a front and rear light. Also wear bright clothes and have reflective stickers on my bike and stripes on pannier. I still don't trust some of the cars given passing in-lane is the only option for them to pass and the lane is too narrow for that.

I suggested an alternative semi-standardized metric that still wouldn't describe everyone perfectly, but I suspect would do a better job than the one used. I don't think its weird to use one. I think the one chosen is weird, even if I acknowledged one of the reasons why they probably used it (easy of data). Current spending would still be a terrible estimate for the FIRE-types who work in HCOL places and move to LCOL places for retirement, but I think it would much better account for ordinary 25th percentile income households who live paycheck to paycheck. But I doubt Vanguard really cares if their metrics are useful for poorer people who live paycheck to paycheck since its obvious they're not going to have enough anyways and not exactly their target demographic.

Maybe if you assume healthcare stays as-is, you may be able to use roths to keep your taxable-income low enough to stay under the magic number required to get the deductible/max year out of pocket savings and the potentially $4000s of dollars a year savings in health care costs.

Numbers:
Hypothetical case: need 30K/year after taxes if getting the MYOP savings or 34K/year after taxes if not and assuming you put in all your money now and wait 30 years to retire using 5% average returns. Assume 4% WR and 27K is the threshold for extra savings. All numbers adjusted for inflation.

t401k:
Need 213k now - 921k in 30 years (which would be 850k after taxes on the gains)
r401k:
Need 193k now if marginal tax rate is 10%, 197k if marginal tax rate is 12% - 750k (no taxes paid on the gains)
Mixed (you only need to 3k/year from roth to bring taxable income down to threshold):
169K into t401k + 19-20k into r401k (10 and 12% marginal tax rates) = 189k now.

Another easy case is when the current marginal tax is 0%. If you are putting money into retirement accounts when your income is under the standard deduction, then definitely Roth. Traditional literally does nothing in that case.

Of course this is a bit of a contrived example and it assumes you have the same 10-12% marginal tax rate on either side. I think most people who have the extra income to for it to be worth the time to consider the difference probably make enough now to be in higher brackets, but probably will retire with significantly lower spending than their current income. If taxes across brackets increase in the future, otoh, then paying them now would be beneficial and may give some peace of mind about that risk.

There's so many unknowns that I think its a bit oversimplistic to assume one is simply better than the other.

You can be an employee at places still? /j