Poik @ Poik @pawb.social

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2 yr. ago

All target date funds through vanguard tanked that year unless you have 2060 or later as the target. 2030 lost 25% and hasn't yet recovered.

They likely were using a full retirement fund, like VTINX or Vanguard Target 2030 or something like that. All of them tanked in the end of 2021 up to target 2060. Even my shares in the Total Bond Index tanked then, and those are supposed to be as low risk as possible, literally.

Stop. The Vanguard retirement funds all did this if the target is before 2060. And those are invested in index funds by professionals. OP likely had the VTINX or a total bond fund, both of which did this that year and were recommended for during retirement. This is likely the more liquid portion of the portfolio, not the penny stock portion.

The close to retirement ones suffered that year. The 2030 target lost 25% in less than a year recently and hasn't recovered. Ironically, the high risk ones have been less risky during COVID than the low risk ones.

Check the vanguard target retirement income fund (vtinx) and other similar funds. There was a dip in 2021 that absolutely destroyed a number of retirements, my patents included, despite being low risk options. Total bond index funds also suffered for some reason, and those are as low risk as you can get. Every other fund I have is doing great, but the ones that are supposed to be safe are not doing great.

But did Das Boo Schitt get a Michael Bay adaptation? Also... Why does Michael Bay own the rights to skibidi toilet now? What timeline did I wake up in?

Yeah, but I don't think they'll keep it unless it turns a profit. Meta as a whole will always have ads which literally print money for free, but they'll Google the VR line as soon as their lizard overlord gets bored of the metaverse idea. Maybe they'll sell it instead of close it like Google always does, actually... That would be nice.

I am being somewhat exaggerative with word choices.

I don't see them turning a profit on the market after killing their competitors. I don't get their angle. Unless they can offer something truly transformative, they're going to put themselves out of business doing that.

But yeah, they have this all in on VR/AR mentality which I don't see working out. Killing the competition does guarantee no one else makes a good product either.

Thank you. Also, kind of fair, but the library probably needs to be bigger before people are willing to adopt too.

I always kind of thought a good desktop system, where wearing the headset is cheaper than getting a new larger monitor or more monitors, but the long term comfort of wearing a headset instead kills that idea pretty strongly right now. Even just a theater experience is kinda meh.

Porn does tend to sell technological advances though.

Well said. Also, good suggestions. I haven't tried a few of those.

You can now get refurbished for around $200. Mostly the meta quest 2. I'd be happier with something that isn't meta affiliated, but it's a solid headset. Considering how expensive most of the rest are, getting it down this far is pretty good. Maybe in a decade, there will be more entry headsets at this price point or lower.

Convenience: meta has hand tracking as controllers and can play games by itself so you only need to put the headset on, and theirs is much lighter than the old vives I cut my VR teeth on. The head strap isn't great still for convenience, but there are third party straps that are much easier to put on and take off. The framework for convenient VR is there, but support is dwindling as there's not much money in the VR market compared to the cost vs anything else in games.

I hate that most of this is about meta, but I haven't seen anyone else really making great strides in VR. There's a Chinese company I need to find again which apparently made super light headsets I was going to keep an eye on and forgot.

https://en.wikipedia.org/wiki/Straw_man

You introduced the idea of not wanting women to give birth in a conversation where the only thing brought up was women don't have to give birth to be valid. Women not wanting children is as valid as women wanting children.

The straw man here is the anti-natalism.

Using sex terms (as in "fucked up" or "that sucks") to indicate violence (as in preventing normal action or imposing deprivation inducing results, philosophical violence, not colloquial) is a meme as old as time. It's more of a dysphemistic treadmill thing than anything. People are okay with being oppressed when talked about in normal terms like "walled garden" but talking about sex at all is taboo in a lot of places (for no good reason). (I am asexual (mostly) and I find this paradoxical aspect of the largely sexual public (in the US) to be massively a detriment to society.)

So no, using anal here isn't being homophobic. Not including it in the dysphemistic treadmill would be. My boyfriend has used this term before and he's hella gay.

Edit: for reference, I'm exaggerating a bit. Buying into a walled garden is fine if that's what you're into. Just know that you don't own the hardware or software you bought, instead you paid to get temporary access to services provided by it. For more information, see the war on right to repair.

I'll back this up, and recommend people having a hard time look into Spell Labs on the steam workshop (and elsewhere) to help get further into the game. Once the game really clicks, it's super satisfying. Even before then, the ridiculous wonder of all the things are great. It's just as hard as it is amazing and that can be a turn off. There are other quality of life mods available in the workshop for people wanting to just enjoy the game, but the tutorial in Spell Labs is one of the biggest helps I got in unlocking progression.

Noita Together sessions were the big thing that turned the game into an obsession for me.

NFS: Hot Pursuit. HP2 was a perfect game in the arcade racer genre. HP remake doesn't even have bots in multiplayer, meaning you and your buddies won't be chased by cops because no one plays that game and the cops have to be played by humans.

Not quite, the Helene one is between 25% and 50% more zoomed in based on what I can see of the bump of Louisiana and the shape of Cuba. Still a striking comparison even with that accounted for.

Edit: Oh wait, I misread the uncovered coast line on Cuba. I think that's actually closer than I initially thought. They just have it panned and rotated a little.

Hahaha. I think when they say crimes, I think they mean doing drugs and having sex. So largely nothing actually harmful unless the person passes out.

We don't even get this memo. I thought it was still 15, 18, and 20. And I'm wholey against mandatory tipping, but always do so because I don't want the underpaid staff to starve. I have enough friends in food service who can barely pay their rent with multiple roommates.

And minimum wage isn't a liveable wage in most of the US now. Well, unless you split rent amongst 4 working people in a single bedroom apartment. That's only an exaggeration in some of the US.