[-] ngdev@lemmy.world 11 points 4 months ago

You sound like you have a lot of hate in your heart. I'll be praying for you 🙏

[-] ngdev@lemmy.world 10 points 5 months ago* (last edited 5 months ago)

Congrats! Some unsolicited money advice I wish I had known earlier in my career:

If you have a mortgage and the interest rate is less than 7ish percent and you're wanting to pay it early, something to consider:

You might put whatever extra you were planning into a Roth IRA until it's maxed and also max out your 401k if your employment has that. Historical yield is 7ish% and compound interest will help you immensely 20-30 years down the line.

Paying off the house early is nice feeling but you can possibly refinance for lower rates later if it's currently similar to or higher than historical investment yields. You could also do a little bit of both but prioritizing retirement accounts is the smarter move imo. So if your mortgage rate is 5% and you want to pay that down, you're leaving 2% on the table by not putting it into either an IRA or an index fund instead.

This is assuming you're not carrying other debts at higher rates like credit cards, those should be your priority. Next would be 3 months of all bills saved up, you can find some decent interest rates on savings accounts. I have Acorns and it's at 5% so the 3 months reserves will stack interest for you too.

[-] ngdev@lemmy.world 9 points 6 months ago

It's still an accident. Just look up the definition. I'd wager to say most accidents are entirely preventable as well, but that's not what determines whether something was an accident

[-] ngdev@lemmy.world 8 points 9 months ago* (last edited 9 months ago)

minute slither

snek president

[-] ngdev@lemmy.world 9 points 9 months ago* (last edited 9 months ago)

This was the experience Android users had initially, then Android started parsing them and adding the reaction to the message. This is also when iMessage started getting that type of message instead of the reaction, as a sort of dig at iMessage

[-] ngdev@lemmy.world 9 points 10 months ago

Seriously. I mean, this isn't brain serjury

[-] ngdev@lemmy.world 8 points 10 months ago

The bones of my house are also fundamentally different material to human bones. Not really sure what point I'm trying to make here but there you go

[-] ngdev@lemmy.world 9 points 11 months ago

If you don't have consent from an animal's owner, do not interact with the animal. That's not something good that you should do. Instead, get consent first.

[-] ngdev@lemmy.world 8 points 11 months ago

That's actually not that many, assuming they weren't guzzling 10 in the first hour. Depending on height and body weight, a drink an hour wouldn't even put a male's BAC above the legal driving limit in most places in the U.S.

Drunk or not, they should definitely be catching charges

[-] ngdev@lemmy.world 11 points 11 months ago

Na, they've got managed forests and it's fine. Your comment had me google to see and it's actually pretty interesting.

[-] ngdev@lemmy.world 10 points 11 months ago

sharks could be feasting on bales of hallucinatory drugs

Yes, cocaine. The psychedelic.

[-] ngdev@lemmy.world 9 points 1 year ago

I want to add that you likely shouldn't run the dishwasher before leaving town for a week in case there's some failure. Don't want to come home to a ton of water damage, that gets expensive to fix quick.

view more: ‹ prev next ›

ngdev

joined 1 year ago