200k per year, maybe. I have a heavy wool sweater like something a North Sea sailor in the 1800s would wear, I can’t handle it without a thick long sleeved shirt underneath because of how rough and itchy it is. It’s also incredibly warm. Sleeping in that thing would be like having a full time job every night.

Intel could have conceivably competed with them there too. If they were still a competent business and not in a crisis of mismanagement. Its amazing how much better AMD is managed compared to Intel.

That is the downside, FZROX is only available to Fidelity customers. There’s also a potential risk it won’t track total market performance as well as predicted because one of the ways they keep the expense ratio at zero is by only purchasing what is supposed to be an equivalent subset of the total market to keep their transaction costs down. I don’t remember the specifics but I think they leave out lots of tiny companies and its not a significant risk because they couldn’t actually move the needle one way or the other.

If you have an account with Fidelity, FZROX should be a better choice than VTI. Unless you enjoy investing or want to really get into it, either do a target date fund for the easiest and lowest risk, or a total market fund like VTI, or an S&P500 fund like VOO. You really don’t need to overcomplicate beyond that, except to potentially start buying bonds when you are nearing retirement if you didn’t choose a target date fund.

What specifically are you invested in? That chart doesn’t look right if you are investing as you describe.

When restaurants have booth seating where you can feel the person in the booth behind you moving around in their seat.

I get cold easier and my clothes keep getting looser but that’s about it. I don’t count calories so I’m not sure when exactly I’m running a deficit or for how long but I have been steadily losing weight. I was a few pounds into the overweight range when I decided to start losing weight, now I’m down at least 14% from my peak and basically right in the middle of the healthy weight range for my height. About a year ago I started eating less, and started only eating until I didn’t feel hungry, and significantly reduced my alcohol intake. Its about the laziest diet possible because I still eat whatever whenever and still drink regularly but the net result is I’m running a calorie deficit often enough to lose a fair amount of weight. It doesn’t really feel like anything, or it feels about the same as running a calorie surplus. I imagine if I was running a larger or more sustained deficit it might be unpleasant and feel like starving but a minor irregular deficit isn’t something I really notice.

That logic doesn’t work because the official duties of the VP are both narrow and distinct from the President. Its not obvious that legal powers confer from the President to the Vice President in any way except under predefined circumstances. The VP would need to wait until those circumstances occurred, for example if the President was sedated for a medical procedure, and then do the official act while they have the actual powers of the Presidency behind them.

Sometimes yes, and I tend to get deja vu very often, occasionally its even recursive where I’m having deja vu of having deja vu.

If you are talking about federal income taxes, they are actually progressive. The vast majority of the money collected comes from the top 50%, the 1% pays something like 25% of the total just by themselves. Its why Republicans and billionaires bitch about it so much and want to eliminate the federal income tax. In reality poor people are mostly impacted by sales taxes, and that’s because of the basic economics involved that make sales taxes inherently regressive.

I’m not sure I would. If I could have avoided the bullshit or done the things that would have optimized my income and wealth, I don’t think I would have ended up where I am now. The risk doesn’t seem worth it, I would be a completely different person with a completely different life.

“Everything is good, thanks. Staying busy with work…” and then either get back to work or stare at them until it gets awkward. Its possible they have trouble with social cues and you seem friendly or nice or whatever, people are weird and being a new employee is stressful so trying to latch onto someone who comes across well can be a thing that happens. I try to redirect people like this to the topic of work and answer any personal question with something boring. What did you do this weekend? Laundry. If they have any self awareness they will eventually only talk to you about work. Stay professional and don’t be rude while making it clear you are at work to do work and have no interest in their personal life or sharing any details of yours.

As others have said, you really should contact the police and let them know your brother is planning to murder people.

Zardoz

I only use it in English but I’ve found the results to be equal to or better than Google most of the time. I rarely end up checking things in Google after comparing the results for the first few weeks I first started using Kagi, the times I have recently Google has been just as bad (e.g. no results found, or nothing useful) or worse (e.g. a bunch of SEO crap and advertising and whatever other nonsense Google decides to spit up).

My understanding is that the up or down rating pushes results from that domain up or down in your personalized search results for all searches, not just the current search. I flag down things occasionally because they are obvious shit or don’t interest me but haven’t used the feature much otherwise. I think it could be one of the reasons I find Kagi better than Google though, there’s so much crap that just doesn’t end up in my results now because I down ranked already. I’m not completely certain that is really how the feature works though, I’d encourage you to contact Kagi support for a definitive answer.

• Bitwarden
• Proton Mail/VPN
• Kagi

There’s law firms that specialize in this sort of thing. If you remember the Panama Papers from a few years ago, those were internal documents from one of these firms. Banks don’t catch on because they like making money and pretending its not happening is often more profitable than calling the cops.

It may be unlawful but I have over $100 in useless gift cards because the companies went out of business before I could use them. Cash is inherently superior. Although both cash and gift cards have the problem of being potentially tacky or offensive to give as a gift, depending on the context.

If it keeps getting hotter and the storms keep getting worse, we will find out. At the very least, property prices anywhere still liveable will likely become even more unaffordable.

People have been trying to make modular housing work for awhile, with limited success. For various reasons, it’s a lot more challenging than it seems like it should be. One of the problems is that the US doesn’t really have a single national regulatory regime for building codes, they are mostly local and regional. You can’t really design a house that works everywhere so the economics are a lot different than selling something like a car or a washing machine.