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Joined 2 years ago
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Cake day: June 27th, 2023

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  • I mean I guess I could have left it empty while I myself rented from someone? I don’t see how that’d make me a better person though.

    I’m not really buying your argument. You’re not making any real argument of how I hurt anyone or even caused a net negative on society. You’re speculating that because I didn’t hand the house to someone “who needed it”, that I somehow did wrong. I didn’t price gouge. I didn’t raise the rent. I repair things in a timely manner. The renter pays less than they would if they bought the house, aren’t responsible for anything major, and can leave at just about anytime. Seems like a net positive in my book? Sure, they paid me… but am I supposed to give it away for free? Selling it probably would have landed me more money. Are you pitching a world where everyone has to lock in to a 30 year loan and be stuck there? Or is this an argument where housing should be free or something? (Sure, whatever… but that’s a different topic)

    You aren’t saving people money by taking rental payments, you aren’t a hero for potentially stopping someone from using the property as an airbnb, you are a landlord.

    I don’t think I’m a hero. I do think I’m saving them money. They could have foregone a rental and bought a house. They chose not to to save money for a business.


  • Had to move for my job, but didn’t want to sell our house.

    Decided to rent it. Lucked into some awesome renters.

    We haven’t raised the rent on them in 7 years. We fix things when they ask. They respect the property.

    If they moved or bought a house they’d be paying significantly more monthly. Instead they’re using their extra money to save for their own house and to get their business off the ground.

    This feels like a win win? If we had sold, it’d probably be an AirBnB now. How does this make me shit?



  • I see where you’re going, I just don’t agree. I’d rather normalize having open conversations with your partner(s) about sensitive and taboo topics, which I think is a prerequisite for multiple partners anyway. (Two people in a relationship can be tricky enough. Attempting to deal with the insecurities, feelings, and values of multiple partners seems like it would require open dialogue to have any real chance of success.)

    I have a knee jerk negative reaction to your argument because it sounds like “I’d like to sleep with multiple people but my partner is brainwashed by society/their friends to believe we shouldn’t have multiple partners. If society decided this was normal, I wouldn’t have to work through this difficulty.”

    (I fully support people having multiple partners if that’s what they want to do.)


  • What’s to stop anyone today from having an open conversation with their partner about opening their relationship? In the examples above, no one is vilifying having an open relationship… it’s vilifying lying and dishonesty.

    Even if we were to normalize infidelity, that doesn’t mean anyone should be beholden to accepting it in their relationship. Your argument is akin to saying “lying is widespread because it comes from human nature” so we should just normalize lying.

    F that noise.


  • Unless you’re talking about somewhere other than the US or you have some crazy locality, this doesn’t sound right.

    In the US, the employer is legally obligated to make up the difference between what the employee earned (wage plus claimed tips) and minimum wage. In fairness to your point, that’s not a big help since the federal minimum wage is a joke. If they’re failing to do that, they’re breaking the law.

    Additionally, taxes should be a percentage of their earnings. How would they be ending up with zero dollar paychecks after 40 hours?





  • If you’re using a roomba, the app will typically tell you when to replace your brushes and filter. The filter you can find easy replacements for as well as the little spinning brush. The bigger brushes are harder. You can buy replacements from third party vendors for cheap, but they’re not perfect… and if you have carpeting the roomba will freak out until the third party brushes wear down a bit. After that happens, everything mostly works.

    I usually clean out the roomba every week and replace the brushes every 4 months or so. I run mine nightly though (I have kids).




  • According to levels.fyi, Microsoft grants about 50-100k (25 percent of their pay?) in stock for their senior engineers each year. Amazon is closer to 200k (which makes up about 50 percent of their pay)

    I guess you’re right in that it won’t really affect them, assuming the tax event occurs when the rsu gets vested and not at the sale.

    It’d be more likely to affect folks who are in a pre-ipo company, gain a bunch of stock, and then sell it post-ipo. I know several folks at AirBnB who this would have impacted and several at stripe who this probably will impact.







  • Yeah I remember getting calls for my student loans asking me to consolidate my federally backed loans and claiming I was going to save a bunch of money. In reality they were lowering my monthly payment but at a higher rate and with a longer term, which would have caused me to spend a significant amount more in the long term . Bunch of scams that should have never been legal. Looking at the source, it looks like consolidated loans for folks who owe more than when they started are covered as part of the forgiveness. Hopefully that goes through someday.

    The federally backed ones I remember having good to reasonable interest rates (looking at historicals they were pretty low most years) and being much lower than I could get anywhere else.

    I’d love to see higher education being affordable for everyone. (If not free)


  • Isn’t that how all loans work though? It’s just that the lenders insist I pay enough to cover the interest and some principal, otherwise I’ll never pay it off. If I made a payment for a car loan and it wasn’t enough to cover the interest, my principal would never go down (in fact it’d go up if I didn’t cover the interest). I can actually get an interest only home loan (or at least you used to be able to) but I think those are insane. The difference with car and house loans is if you miss enough payments they’ll come take whatever collateral you have. School loans are a bit different in that there’s no collateral for them to collect

    I’m not arguing that the situation isn’t fucked. It is. School is way too expensive for the value you get. People who haven’t been paying these loans for the last decade also probably owe way more than they originally took out and you can’t default on them… but the fact that they’re earning interest isn’t any different than any other loan.