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I don't have the time/energy/focus to pick stocks either. I took my differentials and put them in the S&P, fire and forget. The S&P has significantly outperformed the housing market, to the tune of 50% over the last 10 years, and almost a factor of four over the last 50...

You can be right either way. My grandparents were both against social security. My grandmother refused to deposit her checks on principle. My grandfather took his because he had paid in already and was going to at least get his money back.

In order to come out at the good guy here I'd at least warn them in advance that you're planning on holding up the sale. Sales are time-sensitive for many reasons and throwing in a wrench at the last minute could easily torpedo a deal and/or scare off the buyer if they found out the reasons. Do...

That's a little simplistic. Renting makes sense when you don't expect to be in given location for a more than 5-7 years and the transaction costs of sale would dominate any appreciation. I rented for nine years until this spring because it was legitimately financially advantageous. My rent was...

They're probably gauging your reaction to threats. At this point I doubt they actually want people to stop watching.

Not unless we have a massive change in zoning laws or some kind of New Deal housing development program. The US population isn't going to stop growing until we're all dead.

Definitely not the case for the people I know.

I was in a similar situation last year. Due to quirks of the local market in my area it had been significantly cheaper to rent than own up until ~2021. Despite that it didn't feel like a particularly good deal, we sucked it up and bought this past March. Because really, if not now, when? I don't...

Excessively clean environments during childhood? Who knows. There's also some reporting bias here where now we know what's going on while in generations past they would have been like, "Welp, Bobby died of wasting disease. Maybe he should have prayed harder."

Yeah, I have a friend who developed celiac disease in her 30's. It's bad enough now that she can't eat food prepared by anyone else or outside her own kitchen. A well-meaning friend accidentally cross-contaminated a dish with some flour left on a cutting board and that was enough to put her in...

Kramnik is 48. I would have overlapped with him in high school. TIL.

This story is getting hilarious/sad. Anyone with a good elementary knowledge of statistics knows that in a large enough dataset you will expect to find strings of events that would be unlikely in isolation. As if it weren't already obvious that Hikaru doesn't cheat, Kramnik keeps doubling down...

I cannot fathom how much practice it must take to do this without making a mistake.

This is what people are referring to by projection. Why in the hell would making a commitment to health be a negative? Believe me, I'm fully aware that I never have and will never be that kind of "stud". I've had enough orthopedic issues that even at 45 I've had to reconcile myself with living...

We agree there. It's definitely easier to be overweight than to maintain a healthy diet and activity level.

We're all middle aged here at this point and we're telling you this is a non issue. At 180 you'll probably still be 15%+ bodyfat. Faces don't start to look drawn out until ~5%.

I typoed my entry, but maybe it will work out! I meant to submit 4451.

This guy's channel has brilliant, musically technical game covers.

Yeah, I'm 5'10''+, active a with a fairly wide frame, and when I'm 180 (195 now, womp womp) I look decent at the beach but still don't have a full six-pack. I should probably be 170. No disrespect to Locnar, but most people (myself included) badly overestimate what their healthy weight is until...

tldw; 3/8 dowels > screws against pull force. Hopefully he tests shearing.

I've been doing some research into air filtration in the shop and found these useful. I'm going to make one of the five- or eight-filter designs before I do any major new projects.

The JKM version comes with the same fence and extra blade. I'm a cheap fuck contributing to the decay of small business and this is $45 cheaper. I got a free bench dog clamp from some other promotion, too.

Thanks, ended up getting this one after reading some reviews and deciding what features I wanted (25% off at time of posting):

I thought about going that route, but I'm now about two years late on making my son a nice loft bed with classic joinery and my list of pre-project projects just keeps getting bigger. If I DIY'd all my tool needs I'd never end up making anything.

Oh, so it's just that your parents did a lousy job with you. (I kid, I kid...)

We're gonna have to fight over that one.

Real asians shell them in their mouth and spit out the bits. Bones & shells = flavor.

Anyone looking for a router plane, this is a good deal in the next 8 hours. I did some pretty comprehensive research on the available models and decided that I liked the feature set and value proposition of the Katz-Moses 17 compared to Veritas, Lie Nielsen, etc. I haven't used it yet, but it...

In total seriousness, a smaller collection of pots. We cook a lot and use 2 skillets (1 cast, one nonstick), one saucepan, one stock pot, and a dutch oven. I don't see how you need nine saucepans unless you're running a restaurant. As far as how to store them, I prefer to have pots in lower...

I just bought a new TV for my living room and am moving my existing TV to the bedroom. My wife and I would like to be able to each use bluetooth heaphones to listen at night. Does anyone know of a decent product for this?

I wouldn't think municipalities would ever use wooden posts for signage. Maybe he's legitimately taking down a prank? Unrelated:

That hand planer is only taking off 1/8 at a pass max. You'd really have to be going at it blindfolded to fuck it up badly. There are lots of ways to gauge depth. I've even got a buddy who uses a laser level to mark the line. If the piece is known flat & parallel you can use a circular or...

It's more manual, obviously, but these things will hog off material like no one's business. Short of an endmill or a huge bandsaw it's probably the best bet.

Median income in LA is ~$70k. "Middle class" is loosely considered $50-140k. Median house sold this year is ~$950k. Median house listed is ~$1.2M. When I lived in Atlanta, probably half the population of the ghetto drove Escaldes. Last I read, the prototypical millionaire drove a paid-off 4...

Yes, I mean to imply that LA and WV are not comparable for those reasons. And the people who say, "Just move out of the big cities" are also the ones complaining about invasions of Californians and the spike in rural housing cost when people actually did that in during the pandemic. It's not a...

Sure there is. Guy 1 can't get $22/hr where guy 2 lives. If his job even exists in Guy 2's locale, he'll get Guy 2's wage and be his neighbor with exactly the same lifestyle with the numbers scaled down by 50%. (Yes, your argument gets better if you can work remote.) Right. "Middle class" is...

I suppose I should caveat my previous comments by saying my dad actually took his mortgage out from his father, because he wanted a non-standard structure and got a favorable rate. I don't know if they involved a lawyer but the whole thing was paid off in 5 years and no one mentioned it again...

Try on those numbers while raising kids. $1M in today's monopoly money is a great, comfortable start but not enough to reliably retire on (indefinitely) at the median standard of living after paying for secondary education(s). Obviously YMMV if you can crank down your spend and don't plan on...

A bunch of options: - Jointer - Longer bit on CNC, shallow/thin passes - Mark a straight line, rip cut with a hand saw, square with a plane. Or just a plane. - Put it on a jointing sled (requires making one, obviously), cut as much as you can with the table saw, finish the cut by hand, trim...

Mine are fucking phenomenal when I use my grandma's recipie with lard. It's just too much work though, so we buy them now.