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Joined 1 year ago
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Cake day: July 22nd, 2023

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  • Do these nimcompoops realize that the existing wealthy elite, few in their number, got that way by exploiting social safetynets and taxpayer funded infrastructure for their gains?

    So cleary, if we want to be able to generate more wealth and more millionaires/billionaires, better social programs and infrastructure will get them there. Imagine how much easier it’ll be to become wealthy if you don’t have to give employees insurance, or tuition reimbursement? Or if there’s an amazing system of roads, rails, and ports to move your goods to consumers? God, you could become a successful businessman and still have a conscious. Best of both worlds.







  • That’s more or less the right way.

    Use credit cards for everything for an automatic minimum 2% discount on all purchases (in the form of cashback or rewards depending on how you value them, and more if you optimize category spending…I.e. you have a certain card you use for gas or groceries or eating out because that card has the best rewards for that category). Enjoy sign up bonuses if you can responsibly make the spend requirement. Always pay off statement balance and never close accounts (downgrade/product-change to free cards if the benefits aren’t more valuable than the annual fee).

    And enjoy 0% offers but never slip on payment because that’s how they get you. If it’s not paid in full in time or a payment is late they will charge you backdated interest. 0% financing is free money if you can afford it (and can use it) at this inflation rate. I’d been on the fence about replacing my aging appliances but 0% for 24 mos made that a no-brainer. I could afford to have bought those appliances with cash (it’d sting but it’d be doable), but I’d much rather keep that few grand in a CD or bond or mutual fund and pay a 23rd of the balance every month, making me money instead of the bank.







  • The 3B was like peak RPi though. Nowadays unless you need the GPIO or the low power or form factor, it’s not worth it at all. You can get low-spec 3-5 year old off-lease office desktops for roughly the same price point as a top end RPi now, and they are commonplace and easily found in the secondary market.

    Hell I just bought a really clean Ryzen 5 3500 laptop for $200. Only had 8GB mem and a paltry NVMe but these are cheap upgrades if needed.




  • Well, the flip side is that the disposable vapes do get people on nicotine that would otherwise be casual smokers. On its own that’s a net neutral, but the jump from “buying disposable vape” to “buying a pack of cigarettes” is easier than the jump from “buying a disposable vape” to “buying a refillable and rechargeable system”.

    So I guess disposable vapes are a bit of a double-edge sword. I’d rather the occasional/social smoker pick up a disposable vape than a pack of cigarettes. But I also know that most of the major disposable vape brands are owned by the classic big tobacco names. However, at least they are taking the Gillette model, with a rechargeable battery and disposable cartridges. But these are also the ones sold at gas stations. If people don’t have their disposable vape available, I’d think they’d be more likely to purchase cigarettes than a whole new system, and I see that as another negative.


  • There certainly are casual smokers, who might buy a pack of cigarettes on Friday and be done with it by Sunday (usually after giving out several along the way) to repeat the next week.

    These people don’t see themselves as addicts, and they for all intents and purposes aren’t, otherwise they’d be jonesing all week and buying a pack on Monday.

    Making the leap from “having a finite amount of smoke” to “owning reusable paraphernalia” is a big jump for a casual smoker. And more than likely would enable them to justify smoking during the week.

    It’s the same thing as the guy who buys an eight of weed, brings it to the party, smokes a flew blunts, and then doesn’t smoke the whole week. This guy has no need for a glass bong in his house, and he wouldn’t be able to justify its purpose, but its existence would likely mold his occasional use into something more frequent.