Hazzard

joined 1 year ago
[–] Hazzard@lemm.ee 2 points 1 month ago (1 children)

Yeah, I don't think the idea is a total non-starter, but I'd definitely like some details. How will this be limited to ensure it's not being used by investors and house flippers? How will this be ramped down once the housing market settles to avoid it being permanently "priced in"? How will this be paid for and how much will it cost?

Unfortunately American political debates right now are more of a pissing contest about rally turnout than they are about actual policy details, because that's what sways the voters on the fence for some reason.

[–] Hazzard@lemm.ee 27 points 1 month ago* (last edited 1 month ago) (4 children)

Honestly I really don't think that's effective either. Giving people more money to buy something generally just means the market will respond by charging more money for that thing. The assistance will effectively get "priced in" given time.

It's honestly the weakest part of the Harris/Walz platform for me. Trump plan is utterly insane top-to-bottom though, and they're just using immigration as a scapegoat here, which is... something.

[–] Hazzard@lemm.ee 2 points 1 month ago

Eh, you're applying generalizations universally. These last couple weeks, I literally bought Zelda Echoes of Wisdom day one, even bought NSO vouchers so I can buy the next big game that comes out. Day one, I dumped the game from my own modded switch, and started playing it on Ryujinx rather than on my Switch.

I modded the game to change the resolution to always 1080p native, remove the double buffered vsync issue to smooth out the framerate and let VRR work, boosted LODs for better distant assets, and swapped the UI for Xbox controls. Ryujinx also let me play at 2x internal resolution, so I could run the game at native 4k.

My game looks sharper, runs smoother, and is a lot of fun to tinker with. I've had a blast checking gamebanana every day for new mods, or for Ryujinx patches. I love it, and I'm preferring that experience to Switch. I'm also getting fun stuff like discord rich presence, and being able to record with my GPU driver, stream my gameplay to discord, play with a controller I prefer to a Pro Controller, everything.

I'm also looking forward to tinkering with mods for unlimited echoes once I beat the game. I'm more than happy to pay for the game, but this is much more fun for me, and trades blows with the real hardware experience well enough that I'd much rather play here than on Switch.

[–] Hazzard@lemm.ee 3 points 1 month ago (1 children)

Yeah... even worse, it appears the admin didn't even announce it, this is just one of the developers clarifying what the admin probably did.

As someone who uses Ryujinx, I literally spent the afternoon curious about an error I was getting while updating about the build server being down "probably because it's building a new version, check back in a few minutes", only to find a Twitter screenshot of this linked in slack that evening.

[–] Hazzard@lemm.ee 18 points 2 months ago (6 children)

Eh, this is a thing, large companies often have internal rules and maximums about how much they can pay any given job title. For example, on our team, everyone we hire is given the role "senior full stack developer", not because they're particularly senior, in some cases we're literally hiring out of college, but because it allows us to pay them better with internal company politics.

[–] Hazzard@lemm.ee 3 points 2 months ago* (last edited 2 months ago)

Ah, he recommends saving 1000$, then tackling your debt, then building to 3-6 months expenses. Which is... fine, I agree with the principle of it, but that number is definitely one of those things I'd consider being more flexible with. The amount I think you should save before tackling your debts depends on a lot of factors.

I also don't necessarily agree with saving that amount in two blocks, we personally saved 1000$, paid the most pressing card off, and then saved another 1000$. I think it makes sense to adjust that minimum emergency fund number as your situation evolves.

Just another case where I find he works fine as a starting point, but where most people shouldn't follow his advice to the letter.

[–] Hazzard@lemm.ee 2 points 2 months ago (1 children)

Mmm, excellent addendum to my proposed changes. 1000$ is better than nothing, but it hasn't really kept up with inflation, and circumstances really change things. For example, if you have a house, the potential opportunity and cost of an "emergency" goes up immensely.

But yeah, for us personally we pretty quickly went up to a 2000$ emergency fund, despite the relative stability of renting and driving a fairly new car. We'll be working on our 3-6 month expense emergency fund soon. I definitely think it's better to view the baby steps as flexible guidance on a starting point, rather than the concrete law they frame it as.

[–] Hazzard@lemm.ee 7 points 2 months ago (7 children)

I think I have an interesting perspective here, as someone who did kinda get their finances under control thanks to a Dave Ramsey course, and later had the unpleasant experience of discovering how much of a right-wing idiot he is during COVID.

Something I've noticed is that a lot of his advice seems targeted towards people who are crushingly bad at navigating debt. One of the most viral things they do is called "the debt free scream", where people share their stories on his radio show after getting debt free, and just... do a victory scream, essentially. Kinda fun, not really a bad thing, but it shows how most of the people he deals with directly and the ones that make the best marketing are people with hundreds of thousands or millions of dollars of debt despite making very average money. Just absolutely no self-preservation instinct around available credit.

And for these people I think his advice makes sense. Absolutely no debt, debt is the enemy, it will crush you. And stuff like how he pushes you to chase paying debt with high intensity, get multiple jobs, etc. Because otherwise it's impossible to even manage to put money on the principle of a debt that large.

For the average person though? His best advice is basic budgeting, focusing on paying your debts one by one so you can celebrate each victory quickly, and building an emergency fund so you don't need to go backwards as soon as you have a car problem. Also, yeah, ditch the brand new truck, it's burying you in debt you didn't need.

But absolutely, I'd highly recommend modifying his recommendations for most people, and I don't doubt someone out there is doing a better job of teaching this stuff than Ramsey is. My advised tweaks:

  • Find a budget you can live with, paying your debts a couple months faster isn't worth being miserable, and makes it more likely you'll be able to stick to a budget for as long as it takes.
  • Zero-based budgeting (budgeting every dollar at the start of the month) isn't really necessary, leaving a little loose change that you can allocate later once the month is actually happening is pretty helpful. It's ok to shift things around so long as you aren't spending money you don't have.
  • Actually do keep "fun money" or "restaurant money", so long as you're capable of including it in the budget without hamstringing your ability to pay debt. If you're giving more to debt than these things, then you're probably fine.
  • Ultimately just... think for yourself, and make your own decisions, based on your own income and expenses. Ramsey is a decent, if aggressive, starting point (and again, not the best person, he seems to have lost the plot somewhere).
[–] Hazzard@lemm.ee 4 points 2 months ago

I don't know if I give it a 0% chance yet. He needed to average 8 points per race, and Red Bull has been all over the map lately.

But yes, this shifts the onus over to Red Bull having to screw up, moreso than Lando being able to do it while they maintain performance. Lando could potentially earn up to 25 points if Max has a single DNF, which would erase this weekend entirely. And we don't know that he won't crawl his way up to 5th or something tomorrow either, nor does this necessarily mean Max will dominate tomorrow.

Still lots on the line though, if Max does place particularly well and Lando can't get into the points, a 20+ points swing in his favour would lock down the WDC pretty well. An interesting race to watch for sure, the end of this season has a much more competitive WDC than last season's.

[–] Hazzard@lemm.ee 5 points 3 months ago

Makes sense. I wouldn't think the average person taking on the exceptional training of Olympians would be good for you, but of those with the natural health and talent to try, Olympians are the ones who got that far without injuring themselves, and will therefore likely continue with some safe training with proper technique, and maintaining good health into old age. I'd imagine that benefit outweighs the damage extreme sports and training does to your body.

I'd assume that measuring generally fit people who exercise regularly and eat well, without pursuing the extremism of world class athleticism, would live even longer on average.

[–] Hazzard@lemm.ee 3 points 3 months ago

Huh, I'm using a VPN, so not terribly concerned, but that is my current IP.

[–] Hazzard@lemm.ee 1 points 3 months ago (3 children)

Unsurprised. I was involved in some great discussion on SBMM on Lemmy recently, and people's issues with it, but this confirms what I suspected. SBMM is better for companies, maximizing player on-boarding and player retention, which is what's necessary to get more players and revenue. Even if I honestly think it's a worse experience than the old school way, and keeps me from personally enjoying these games.

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