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Joined 1 year ago
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Cake day: June 11th, 2023

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  • True, but it’s worth noting that this is an average and will vary wildly. Since I started tracking my annual returns have been 9.42%, 1.12%, 8.44%, 17.28%, -5.30%, 22.04%, 18.75%, 15.60%, -17.58%, and 18.11%. Which averages out to 7.75% — not far from the usual 7% figure.*

    So for anyone just learning about investing, you’ll almost never have an “average” year. Each year will be all over the place. It’s only when you’ve been in the market for a long time that your returns will average out to something close to typical.

    *I’m also ignoring an important distinction: IIRC the stock market averages close to 10% returns if you only look at dollar values. But when you account for the fact that inflation makes reach dollar worth less, on average returns are 7% in terms of real purchasing power. The returns I posted above are not inflation adjusted, but they include some bonds which don’t return as much as stocks. So it’s no surprise that my returns are on average less than 10%.





  • Theoretically, Biden could do it and not be prosecuted.

    But if he ordered a member of the military to do it, they are required to refuse illegal orders. I don’t know the rules about illegal orders but I bet this would fall under that. At the same time, the President can pardon people convicted in military court so that’s not much of a deterrent.

    Similarly if he ordered a civilian (say, CIA) to assassinate Trump, that person could be tried. But again, the President’s pardon power makes federal charges not much of a threat.

    BUT — the President cannot grant pardons for convictions in state courts. So anyone involved would be in trouble if it happened in a US state. And if the Supreme Court did not make the President immune from state-level prosecution, Biden could be tried for being involved… but it seems unlikely that they would go for “the President is immune from federal prosecution but not state prosecution.”

    Of course, all this show how insane and dangerous the idea of Presidential immunity is. It’s a terrible idea.






  • Yeah, it will help and it won’t. If you’re uploading through a typical cable internet connection, WiFi will almost never be the bottleneck. But if you’re streaming 4k in a part of your house that doesn’t have good coverage while other people use the same connection, it could make a difference.

    I do a lot of streaming from my desktop to my TVs and I occasionally have bandwidth problems, so this could help that. And I have 300 up / 300 down fiber Internet, and in parts of my house I have problems getting anywhere close to that on WiFi. So WiFi 7 might help with those cases even if in the end your ISP is usually the bottleneck.


  • The approved mRNA vaccines went through the same approval process as any vaccine. And once approved, they are monitored for safety like any other vaccine. Between pre-approval testing and post-approval monitoring, we would have detected any issues. So the proof is in the pudding — lots of countries have approved them and none have found risks that are worse than the disease they protect against (currently only COVID but there are more mRNA vaccines in the works).

    There’s also no reason to fear the way they work. Other vaccines introduce antigens (molecules that your body doesn’t like and produces antibodies to attack) in various ways — sometimes with a weakend virus, sometimes with a dead virus, sometimes just the antigens themselves. mRNA is just another way to introduce antigens so your body learns to fight them. For a little while your body follows the instructions in the mRNA to produce the antigens, and then your body learns to attack those antigens. It’s not all that different from the way other vaccines work. mRNA breaks down pretty quickly in your body so it’s not even in your system for very long, and there’s no mechanism in the body for mRNA to produce lasting changes. So it’s a lot like you got a cold: for a little while the cold makes your body produce molecules, then your body fights it all off, and then in the end there’s no permanent change except your body learned to fight off that particular antigen.


  • We just got 2 new Carrier Infinity 24 heat pumps and I don’t think I’ve ever heard them running (except for the fan pushing air through the ducts, but that’s part of a traditional furnace too). It’s an expensive system that is advertised as being particularly quiet, and I think they deliver - I haven’t noticed any change in noise levels. One of them had an issue for a while so we ran the backup gas furnace instead, and I couldn’t tell the difference between the one that was using the heat pump and the one that was using gas.

    So it’s possible to get a quiet heat pump, depending on the model.