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Joined 2 years ago
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Cake day: June 16th, 2023

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  • It’s worth a shot, but by and large the more reasonable conservatives are generally no where near those communities. Certainly the moderation of those communities are fanatic about Trump. The conservatives that you might have hoped to call Trump on his stuff have calculated that they can’t afford to challenge Trump even if they personally think he is in the wrong. The ones that have calculated otherwise have been pushed out of the conservative community.


  • Could keep all of them that don’t have annual fees, and spread out your purchasing. I have three cards, one that’s 2% off everything, and one that’s more off food, and another that’s more off online purchases. My aggregate credit limit is pretty high even if each one were a bit modest (they aren’t as modest as they used to be though)

    You can always pay off your balance more often than monthly. When I first opened my first card, I paid it off every Friday, to make sure the small limits were available if I needed them (I had a credit limit of $1,000 back then). Now I pay them off every payday, still multiple times a month. If you need to carry a large balance across payment cycles, you’ll get stuck on a high interest rate treadmill you don’t want to be on anyway.

    The credit limits increase with time. The $1,000 card I started with now has a $10,000 limit. Mostly the limits came automatically, but I did request an increase to be able to pay for a home repair in a single transaction. Now between the three cards I have a lot of limit.

    A fair number of places where you might want to spend a lot of money in a single transaction won’t accept credit cards anyway over a threshold. Last time I bought a car after establishing the price I asked about just charging it to a credit card. They were willing to do it only for $2,000, so I had to cut a check for most of the car anyway.



  • Hell, put any two people on a “knowledge” task and even if both were capable, there’s going to be a person that pretty much does the work and another that largely just sits there. Unless the task has a clear delineation, but management almost never assigns a two person team a task that’s actually delineated enough for the two person team to competently work.

    If the people earnestly try, they’ll just be slower as they step on each other, stall on coordination, and so on.


  • Shareholders in a company whose entire business is around being well liked globally thinks it would be a bad business move to cancel a program that is part of a good public image in favor of placating a relatively small chunk of Americans that would both be paying attention and against DEI.

    They could still be pro-Trump, and not really caring about DEI, but they know the value of optics in the context of a company like Disney.




  • This all boils down to a common misconception about ‘tax brackets’.

    To simplify, pretend there’s a 28% tax bracket up to 100,000 dollars, and a 33% tax bracket when you hit 100k. The first 100k is always taxed at 28%, no matter what you make, and it’s only the incremental amount that gets taxed heavier. So here in this example, that would mean tax burden would be 28,000.33 instead of 28,000.28. These are not the exact brackets or percentages, but it’s at least showing the right magnitude of increase versus total amount.

    However, many people are “afraid” of bumping a higher tax bracket. They think the tax bill would go from 28,000.28 to 33,000.33. That the tax bracket bumps up all your liability. I remember growing up people saying “I have to watch out and not hit the bigger tax bracket, if I’m close then I need a big raise to make it worth it, or else the raise is going to cost me more than it would make me”. This a big driver of antipathy toward democrat tax policies, a belief that mild success will punish them, despite it only increasing on the incremental amount.



  • I’ve got mixed feelings on the CHIPS act.

    It was basically born out of a panic over a short term shortage. Like many industry observers accurately stated that the shortages will subside long before any of the CHIPS spending could even possibly make a difference. Then the tech companies will point to this as a reason not to spend the money they were given.

    That largely came to pass, with the potential exception of GPUs in the wake of the LLM craze.

    Of course, if you wanted to give the economy any hope for viable electronics while also massively screwing over imports, this would have been your shot. So it seems strategically at odds with the whole “make domestic manufucating happen” rhetoric.


  • This was roughly the state of affairs before but the state of things have relented where software password managers are now allowed to serve the purpose.

    So if a hardened security guy wants to only use his dedicated hardware token with registering backups, that’s possible.

    If a layman wants to use Google password manager to just take care of it, that’s fine too.

    Also much in between, using a phone instead of a yubikey like, using an offline password manager, etc.