Unless you are retiring in the next decade, it is highly advisable to invest a 401k in the stock market. You get significantly higher returns over the long run. And any losses due to a recession are more than made up for by the significantly higher returns every other year.

When you are nearing retirement (5-10 years out), that is when you want to put the money into something safe and stable like bonds or CDs. That way if there is a recession as you retire, it won’t affect your fund.

Stocks are 293% higher today than they were at the peak of 2007. Even if they bought all of their stock at that peak right before the 2008 recession, the market had fully recovered by 2012. It isn’t the market keeping them from retiring…

On that note, it makes a ton of sense to take full advantage of 401k plans. At least put it enough for the company match to max out, and preferably put more in to cap out the annual limit for it. That isn’t possible for everyone, but it’s both tax advantaged and pre-tax money, so an extra $500/mo into the 401k is NOT $500 removed from your post-tax pay.

Even before, people would often work later into life. Many people are fucking terrible with money and if spent poorly, you may need a job even with the pension.

I’m personally with you. I prefer to manage my own money rather than hope my employer is solvent 40 years from now to pay a pension.

Some people don’t want to to think about investing in their own retirement, and they see the pension as a more stable and safe solution.

19% central bank rates are anything but normal.

In the US, a 6% 30-year mortgage on a $200k home costs $1,199/mo (excluding taxes, insurance, etc). That exact same mortgage at Russia’s 19% is $3,178/mo.

No, at 19% it’s basically impossible to finance anything. Good luck buying a home, buying a car, expanding your business. We are talking literal credit card rates for the safest of things. And I’m being generous here, nobody gets the central bank rate, that is the floor, the cheapest rates that only banks get.

So blame them for being too stupid to see your worth…You’re waiting a company worthy of your talents finds you.

Careful with this. If you legitimately feel you are entitled to be hired by a specific employer, you are almost certainly less likely to get the job. Nobody wants to deal with entitled people.

At the end of my interviews, before saying bye,I ask what I could have done better. Almost always received constructive criticism. I highly recommend it.

Pain, absolute pain. Can we please not have another debate?

We can tie that in with shorter campaign seasons too.

unless you only buy no-DRM and your own backups

Going to have to plug GOG here as these are both things they offer. I try to buy games there instead of Steam, purely for this reason.

Yeah, kinda sounds like he should put the whole game down. That monthly sub isn’t cheap either. Shit adds up.

Many expensive ones too. The iPhone 15 runs at USB 2.0 speeds, despite having USB-C.

I’m kinda confused on why this button is helpful. If you open the camera app on iOS, hitting either volume button will take a picture.

Or they could not be. Which seems like the more likely case given the current state of self-driving cars that cannot even safely drive down a pre-planned underground tunnel without a driver. (The Tesla tunnel)

Yeah, with the Intel 13th and 14th gen issues, it really shouldn’t be recommending them as much. I think part of the issue is they only have one CPU vendor per tier. If they improved that, it would probably fix the issue. That said, if we are going purely off price/power, I’m not convinced their choices are bad.

For a beginner though, I really don’t like just shoving them at PC Part Picker. It’s too easy to get overwhelmed with choices.

While this is certainly in self-build territory, Logical Increments does a real good job giving balanced builds for various price points. People new to building often don’t know how much to spend on a CPU vs GPU to get the best value out of a given build cost.

Watched cop shows

There is also an aspect that people more likely to get caught are also those more likely to have uncleanly homes. People with their shit together slip under the radar much more often. Hell, even being able to stick to ‘only commit one crime at a time’ is a pretty big deal. Ex: don’t have drugs in your car with expired plates. A bunch of people on cop shows get caught for dumb shit like that.

Yep. And phone typing is the ‘hunt and peck’ method of keyboard typing. Which is unfortunate because it’s ingraining the slowest way to type onto a whole generation.

We have those IRL as well, condos and townhouses. Many people choose to go for those.

Honestly, given how annoying the alternatives are, I would say just buy a USB drive and put the bios file on there. You can get very good ones for under $20 and almost free ones if you don’t mind having an old tiny one.