“I’m making 50k”. Great, now I have to guess - dollars? Monthly? Yearly? If yearly then what’s the monthly paycheck? Net? Gross?
I mean surely it’s obvious in that example, no?
dollars
If that’s the native currency wherever you are, then of course dollars
Monthly? Yearly?
$50k/month about be $600k/year. Pretty sure you’d be able to tell if the person you’re talking to made half a million dollars a year vs just above the poverty line (in the US at least) just from context, but when in doubt - it’s probably safe to assume that the person you’re talking to isnt in the top 1% of earners
If yearly then what’s the monthly paycheck?
Yearly divided by 12? If you’re in a hurry and want a rough estimate just chop a number off the right and that’ll get you to within ~10% of the correct value
Net? Gross?
I’ve literally never heard anyone give their salary as gross outside the context of financial planning, and even then they’ll always specify “after taxes” or something similar.
Other comments go into plenty of detail about why they se various conventions are what they are (yearly vs monthly, net vs gross, etc(
Yeah honestly I’ve been really confused by the claims about how bug free this game is.
It might be because I’m playing in split screen mostly, but my wife and I rarely go a session without a pretty major bug and a whole lot of minor ones
Don’t get me wrong, we both love the game and the bugs are totally worth putting up with, but the claims of it being super stable are a bit odd to us
I’ve got a ReMarkable (got it for free from a friend who never used it) and I think it could be great depending on your specific use-cases.
It’s a pretty great tablet for taking notes on, using the pen to write feels like writing on paper, the writing is responsive, and now they have an optional keyboard for typing things up on it for situations where that works best. The biggest downsides on the note-taking front is the difficulty in adding new templates. It comes with 15 or so templates, and you can add more, but you need to be somewhat tech savy (basically if you can work SSH and know how to move files around on the CLI, you’ll be fine). Though the added templates won’t be able to display previews properly, but that’s not the end of the world IMO.
As an E-Reader it’s functional, but a bit subpar. The screen size is awesome for reading, I use a somewhat small font, and so I can fit a good chunk of a chapter on a single page, which is nice. The built-in E-Reader is basically useless, but you can download KoReader on it (again, some proficiency in using the CLI is required here), which is excellent. The biggest issues I have with it’s ability as an E-Reader are the lack of a backlight (so no reading in bed without a reading lamp) and - somewhat ironically - the size (which is both a blessing while you’re using it, and a curse while you’re travelling with it).
It’s somewhat (but not really) FOSS - they use a proprietary flavor of linux under the hood, and you can access the base operating system over SSH. If you’re a linux guy/gal, it can be pretty cool, since you can install all sorts of stuff on it and setup recurring jobs via systemd (for instance, I wrote a short systemd service which swaps out the screen saver image every 5 minutes while it’s in use). This also means you can potentially brick your remarkable though, and it’s not easy to unbrick (though it’s possible most of the time using a USB-C breakout board).
Overall, i honestly don’t use it a whole lot, but if i was the sort of person who liked making handwritten notes, I’d probably use it a whole lot more. But I generally find it easier to just use my kindle for on-the-go reading, and my phone/desktop for note-taking
It’s only a partial match, but the ReMarkable runs linux under the hood, and you can install a package manager on it.
It’s not a fantastic E-Reader, as it’s mostly designed for taking notes, but it does work as one. The main drawback is the lack of a built in light, but depending on your use-case that might not be an issue for you
You’re not wrong, but the fact is that photorealistic graphics sells games. Everytime a AAA title releases gameplay footage prior to release, the graphics fidelity is always one of the most talked about things. Hell, there have been a lot of games where the majority of the hype has been around the graphics quality.
I’m not saying this is a good thing, quite the opposite, but the fact is that game studios are primarily interested in building a game that makes money (because that’s how capitalism works), and having the best graphics is a proven way to boost sales. The only way it’s going to stop is for people to stop basing their game purchasing decisions on graphics and start basing them on gameplay. But for casual gamers, that seems highly unlikely
And you would be entirely correct - if insurance companies acted in good faith, the reality however, is that they don’t. Your comments are already littered with replies of people giving you examples that they’ve personally experienced of carefully constructed exclusions meaning that they can’t actually claim their policy.
I have no doubt that there are people out there for whom travel insurance has saved their ass, but I know from my own experience in the industry that the far more common experience for policy holders is to wind up with the insurance company finding a reason to not pay up, and now you’re left both with the cost of the emergency, as well as the cost of the policy.
Like I said, it’s your money, and I’m certainly not going to give a shit if you keep buying travel insurance policies, hell - people buying insurance policies pay my salary (though i don’t work in travel insurance any longer)
Yup - this is exactly it. I’m entirely certain that there are people out there who have had their financial lives saved from utter ruin via vacation insurance - but I’m also certain (because I’ve witnessed it myself) that far far more people who think they should be covered wind up in deep shit because their hospitalization came from an accident, or as the result of a crime, or some other edge case that happens to be excluded by the travel insurance policy (and make no mistake, these exclusions are carefully crafted to cover as many potential cases as humanly possible while still sounds decent on paper).
Why would you not get that? That seems like such a stupid risk not to get that.
Pretty much for all the reasons I said in my comment - you’ll almost certainly spend more on premiums for travel insurance than you’ll ever claim (this is true of all insurance) and the expenses incurred by self-insuring are generally manageable. Even in the two situations you refer to, we’re “only” talking about costs of a few thousand, and both of those are highly unlikely events that most people go their whole lives not dealing with. you’re much better off putting the money you’d spend on that travel insurance into an emergency fund to cover those kinds of unexpected expenses.
Insurance is only a good financial call if you risk completely bankrupting yourself by not having insurance, otherwise you’re just trading potential lump sum costs for small continuous costs, and the premiums will generally always wind up being more than what you’re saving (because if they weren’t, then the Insurance companies wouldn’t be making so much money).
That being said, it’s your money, if you’d rather accept that you’re paying more over a lifetime on travel insurance than you’re saving just to have the peace of mind that you won’t have to dip into savings for any incident that happens before or during the trip (assuming your incident doesn’t fall under one of the many carefully crafted exclusions that the insurance companies add to their policies to prevent paying out, which it probably will), then by all means, buy it - but if you’re buying it because you think it’s the financially savy move, and you have at least a few grand in your bank account for emergencies, then you’re kidding yourself.
not chatGPT - but I tried using copilot for a month or two to speed up my work (backend engineer). Wound up unsubscribing and removing the plugin after not too long, because I found it had the opposite effect.
Basically instead of speeding my coding up, it slowed it down, because instead of my thought process being
- Think about the requirements
- Work out how best to achieve those requirements within the code I’m working on
- Write the code
It would be
- Think about the requirements
- Work out how best to achieve those requirements within the code I’m working on
- Start writing the code and wait for the auto complete
- Read the auto complete and decide if it does exactly what I want
- Do one of the following depending on 4 5a. Use the autocomplete as-is 5b. Use the autocomplete then modify to fix a few issues or account for a requirement it missed 5c. Ignore the autocomplete and write the code yourself
idk about you, but the first set of steps just seems like a whole lot less hassle then the second set of steps, especially since for anything that involved any business logic or internal libraries, I found myself using 5c far more often than the other two. And as a bonus, I actually fully understand all the code committed under my username, on account of actually having wrote it.
I will say though in the interest of fairness, there were a few instances where I was blown away with copilot’s ability to figure out what I was trying to do and give a solution for it. Most of these times were when I was writing semi-complex DB queries (via Django’s ORM), so if you’re just writing a dead simple CRUD API without much complex business logic, you may find value in it, but for the most part, I found that it just increased cognitive overhead and time spent on my tickets
EDIT: I did use chatGPT for my peer reviews this year though and thought it worked really well for that sort of thing. I just put in what I liked about my coworkers and where I thought they could improve in simple english and it spat out very professional peer reviews in the format expected by the review form
Again - I’m not arguing necessarily that any of them started out that way, in fact - I’m willing to bet that very few (looking at you, Mormons) actually were. Most religion (in my humble opinion) just stems from folks trying to make sense of an unfathomable universe using what tools are available to them at the time. But once you have the religion, and you have holy men/women who have the ability to excersize some form of power over their flock, you’ll inevitably find corrupt people flocking to those positions, as they do in every position of power. Then over time they’ll carve out more power for themselves and more authority, find ways of extracting influence and power from their positions until soon you’ve got “holy men” living in palaces with the authority of kings.
It’s just human nature for positions of power to eventually become corrupted to some degree, and positions of religious authority offer an unparalleled lever in which to move the masses, which only serves to make it more attractive to would-be tyrants
nothing conspiracy theorist about it at all. If anyone gives you sideways looks when you mention that insurance is a scam, just point out the very simple and undeniable fact that insurance companies are (very) profitable. That means, by definition that the average customer pays more in premiums than they get in payouts, and not just a bit more, a lot more, as that profit they make is after they pay their thousands of employees, award multi-million dollar bonuses to their executives, pay for their bigass skyscrapers, and all that other shit. If insurance was a “fair” deal, they’d be losing money from the administration costs
Always self-insure if you can afford it
Travel insurance is especially terrible, because a lot of the time it’s a pretty substantial premium, and actually filing a claim on it is a HUGE PITA.
I worked for a traveler insurance company before, and we denied most claims that came in. People would buy insurance on a $100 concert ticket, paying a $10 premium for the insurance, then when they’d go to file the claim, we’d require a doctors note, so now they also have to cough up a $20 copay and a whole afternoon just to get a note saying “yup, this person is sick”. And that’s just one of the many ways people got fleeced. During COVID, a lot of travel insurance claims got denied because illnesses resulting from pandemics aren’t covered in some policies as well
Yeah I think it’s less that people are setting unrealistic expectations for a Bethesda game, and more that people are getting fed up with being told they should be happy with all the faults “because it’s Bethesda”.
Bethesda gets a really weird pass in the gaming industry and when it comes to shallow content and bugs. I think a lot of that comes from the modability of their games, so that with mods and a few years of patches, the games often end up being a lot of fun - but the fact is that the games themselves, as released by Bethesda are usually hollow shells by comparison.
For instance it always irks me when people say Skyrim VR is the best VR game - you literally need a couple dozen mods just to make it function as an actual VR game (lack of 3d audio in a VR game is just unforgivable imo, let alone any actual physics interactions).
I think people are just starting to get fed up with Bethesda’s business model of building barebones games and counting on modders to make it fun. And then people get further fed up when they say so online and get told things like “but yeah it’s Bethesda, what did you expect?”