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Joined 1 year ago
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Cake day: June 19th, 2023

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  • India is one of the last places I’d like to visit. This is based on how India has been portrayed in various travel shows over the years (Amazing Race, Top Gear). It looks crowded, dirty, and the locals often aren’t very friendly, especially towards women.

    One of your main exports to the west is scam calls. It’s a huge PR problem and your government refuses to address it. Your other main export right now is Russian oil.

    Indians used to have a fairly large online presence in English-speaking spaces with mixed results. There were a lot of helpful tech bros on YouTube, but also a lot of horny dudes on Facebook. I don’t really see much of either of those anymore though.

    My wife works in software testing and has regular interactions with Indians. Some are really nice, but others are really not. Misogyny is far too common and when Indians are rude they are boldly rude.





  • It sounds like your situation is similar to mine. My father is a sociopathic narcissist and I didn’t realize it until I was 30 when he effectively disowned me. It hurts to be rejected by a parent to such a degree and I was pretty depressed for a while, but it helps to know that he suffers from a mental illness. Knowing this also helped me to disown him, in turn. He was always toxic and harmful and I find now that I am happier without him in my life.

    I do often wonder in what ways my life may have been better had I had a supportive father, but it’s much more productive to look forward than to lament over what could have been.

    I hope that you are able to move past your father’s negative influence and be better off for it. Some men are just miserable people.














  • Oh? So my understanding of how Google profits off user data is incorrect? My belief that the ISPs are profit-driven entities is inaccurate?

    If the harvest and sale of user data had been made illegal in 1993 would Google have progressed the way it did? Would they be forced to charge a fee for their email and video hosting services? Would that have incentivized them to maybe make a deal with the ISPs to be included with the monthly payments we already make?

    What if local government owned and maintained all the existing internet infrastructure? Would we have been able to choose which ISP we preferred all these years rather than essentially having to pick between coax or satellite? Would ISPs then have been incentivized to pick up additional services like email, video, and image hosting in order to gain more customers?

    Are we experiencing the best possible version of the internet, or could it be better?



  • Getting older means losing mobility, dexterity, and mental acuity. It’s not a question of if you will need assistance, it’s a question of when you will need it. Most retirees go on living independently for as long as possible until an event. Sometimes they set the kitchen on fire, sometimes they get in the car and get lost, and most often they fall and break a hip. Once they hit this event it changes their life dramatically.

    The best case scenario is that you will have enough money to afford 24/7 care after your event. Idk what the current rates are, but 10 years ago it was $25/hr for CNAs and $50/hr for RNs. This means that the cost to have a CNA care for you around the clock was over $200,000/yr. This doesn’t include the additional costs of food, shelter, utilities, insurance. I’m sure that things haven’t gotten any cheaper.

    The best case scenario is that your $1M nut grows enough to cover all your expenses before you die. Every other scenario means you will run out of money. So it’s really a question of how long you intend to live.


  • My scenario focuses solely on interest income for simplicity’s sake. There are other investments one can make to increase your gain, but such investments are more volatile. You could end up doing quite well and increasing your nut, or you could invest in the wrong stock and lose a large chunk of it.

    I also left out other considerations for simplicity’s sake like the fact that most retirees are couples and past the age of 65 the odds that one of you will require significant medical treatment increases every year. Some elderly couples are getting divorced so as to only bankrupt one of them when this happens.

    Life is messy and $1M will only work in the best case scenario. It’s just not realistic. By allowing people to think that $1M is enough, you’re actually leading them into ruin. We need to be aware that retirement is becoming a dicey proposition and we should be taking steps to ensure that the elderly will be provided for in the coming decades, especially since a large number of millennials won’t have children to make sure they are properly cared for.

    Source: I worked in the elder care industry in Florida for a decade. I saw what happens when people run out of money.