Poik

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.

Yeah. You're right. And their recounting of what they invested in makes no sense. I caught that later. So there's definitely poor choices somewhere they aren't mentioning.

Not sure. I'm guessing interest rate stuff will mess with anything with bond holdings, so that probably had stuff to do with it. Other than that.. I don't know if I can convey a big enough shrug in text form.

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.

Good point.

The 2030 target fund is still down 8.8% since that date.

At least it has some years for the inevitable bounce left. It's getting there. Just kind of something someone trying to retire would have a panic over.

Okay... I even came with receipts on this one. Am I just annoying? What's with the downvote, even on ones where people are suggesting target date funds? The fund will bounce, it's just a huge dip for one that was supposed to be, according to professionals, safe for retirement use. So sure, I can see the downvote as disagreeing with sensationalism, but I was contesting the suggestion that no funds dropped in that time. If it's because I got spammy, sure... I assume most people don't reread the other comments after the first time they go through, but I can stop.

For reference, target date funds are still usually good, but total stock index is always better in a ten year period, so whether they are actually worth it is questionable.

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.

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.

Target date funds are also supposed to be set and forget, but this looks like the curve from Vanguards 2030 through at least 2040 target date funds.

Not necessarily the case, but if it's affecting your life so strongly, you might want to get checked by a medical professional.

Long COVID can destroy your life. Depression can destroy your life. Iron deficiency can ruin your life. A lot of things you might just think is just being tired may actually have a cause. Especially if simple fixes like "touch grass" style clichés do nothing for you.

It's not always the answer, but it's good to rule out in that case.

Realistically. Trains will revolutionize road transport of goods and people if the train industry properly maintained their rails, operated above board (unlike the one that had the chemical spill in Ohio and other issues), and expands a bit. The largest expense in good transport is long haul and no one wants to drive long haul. Last mile will probably need trucks and drivers for at least 3 to 5 more decades. And taxi services have similar challenges to last mile delivery. Personal self driving systems need even more consideration than taxi services, and will likely take five to ten years after taxi services become recognized as safe.

They say it's to prevent crime. Same as a lot of the awful things we come to expect. I'm willing to bet it doesn't do anything noticeable with respect to crime.

Autoincorrect.

Eh. I'm in the ace umbrella and I'd be honored to be associated. One of the most important tenants of BDSM is consent. And if everyone is consenting, I won't be forced into situations I'm uncomfortable with. These people probably associate BDSM with Fifty Shade of Gray, which the BDSM community, last I checked, hates with a burning passion because it's very nonconsensual.

In my (in the industry) experience: Agile killed safe development by pushing superficial internal deadlines that look good instead of are good. Safety requirements therefore are never met, but people keep looking like they're approaching at least one, but end up sacrificing other things that no one is concentrating on, causing more set backs than improvements. Self driving will not be legally commercialized until either someone lobbies bad development onto the roads, or capitalism realizes that quarter profit isn't as important as ten year profit and Agile finally burns in a god damn fire.

Because if you're poor, it's because Jesus is punishing you for something. (This is a slight exaggeration of the mindset.)

For showing my point I like the joke that was made of the pastor in Katrina turning down help from the coast guard three times because God will save me, then drowning, getting to the pearly gates and asking why he wasn't saved. The response was "I tried three times. You didn't get on any of the helicopters I sent to save you." There are direct parallels to religious figures claiming God will save them from COVID and not wearing masks or getting vaccines or anything, then dieing of COVID not months later. And those weren't jokes. They were in the news...

Religion is taught very poorly here in a lot of places, and it's very predatory in a lot of the US. Any religious television here is only a scam.

Hannah Montana Linux. Do I have to explain?

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.

He is. Just about anyone who works in computer vision based machine learning knows this man. He's insane and I would hire him on the spot, but there's no way a company I work for could afford what he's worth.

Fabulous Crusty. I don't hate his work or his decisions, as he wanted to do what he liked, and he found a new audience with it. Absolutely good for him.

I miss his old content he probably decided was cringe, or perhaps YouTube deemed controversial like his playthrough of Rinse and Repeat. Rinse and Repeat isn't controversial as far as I know(?) and had censor blurs. As someone in the LGBTA, I didn't find his reactions to be inappropriate, and I liked his exploration of the jank of that game. Although I'm not sure why he played it, other than "this game is weird, it'll get clicks."

He's deleted or delisted a lot of my favorite videos from back in the day (or I can't find his old channel, not sure). I hope he's doing well, I just miss the really random weird stuff he was playing. I did enjoy the Shadow of War stuff though.

I love discord, for what it's for. Quick synchronous talks you will never refer back to again. So not software development where indexable logs of information are necessary. I know discord has indexing, and now some form of forum. But every discord I've been to for development (especially modding communities) has a large corpus of synchronous logs where people get annoyed if you ask a question that was answered one before a long time ago with extremely common language making it nearly impossible to search for because the keywords have been used out of context of your question hundreds of times since the question was asked.

If the Dev communities used the forums mode in discord more, it wouldn't always solve it, but it'd be much better. There are better places than discord for these things, but I have been trying to meet people where they're established.

I only really saw that in grade school. And it was a Red Scare thing. Super culty, but so is all the McCarthy stuff.

Umm... It's clinical, so dopamine.

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.

My parents.

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.

He got free food and a bed? Jealous.

Good luck. Don't catch covid again if you can help it. Repeated exposure makes it worse. Pretty sure that's where I'm at. At least I've been up to date with vaccines or it could have been much worse, likely.

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.

Yep. R/Noita went private and moved to the discord I was already in, but Discord is a terrible replacement for Reddit. I don't have time to read everything in the community to find anything in the community... So now I only have the comment section in FuryForged to find new discoveries in one of the most ridiculously complicated physics simulators I play.

It's an obscure enough community that I doubt it will reopen there, and I'd lose some respect for it if it reopened before Reddit actually listened to a single word we said.

Sounds like anywhere in VA that isn't Alexandria or Tyson's Corner.

looks at home instance name That I hang out with furries. Still considered a more controversial thing than actually evil things in politics in my country.

I mean, the average newborn is smarter than the average politician, so maybe it's not as bad as we think.

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.

It depends on how far the doctors went when they removed a part of you without permission or consent. There are levels of skin tightness that some people are on the unfortunate end of, if the doctor took an excessive amount. And in general, there are a huge number of nerves in the foreskin which are significantly more sensitive, so cut members will need more stimulation than they would have, and that can lead to chaffing when attempting to receive the same results as they could have with foreskin.

The master branch in git isn't the same though. It's closer related to the word "remaster." Master used to mean the original document is still used everywhere in tech and outside of it.

Main makes more sense since a master copy should be something that doesn't change in my opinion. But that's semantics...

I was told in 2009 "Why optimize? Hardware upgrades will make your efforts obsolete anyway." So... I devoted my time to optimization, because fuck that. I ended up doing algorithm optimization in my first full time job, and loved... That part of the job at least.

Indie games and co-op games are my jam. I feel for all of this comment.