LMAO this is soooo true. Recently went on a hiking trip at a national park where there were lines to get into the parking lot, but as soon as you stepped off the paved trail the crowd went down 90%, and a short walk later and we were the only ones in the whole park.

Lucky! Some of us live places that don’t allow you to own one of these

Ideally, you set aside 3 to 6 months worth of your typical monthly spending to cover (some) emergencies and job loss, then invest everything else. 401(k) is still tax advantaged in the same way as an IRA, and you can typically do roth contributions to a 401(k) too. So there are benefits to going above your employer match.

But, you’re right that you don’t want to trap all of your money into a retirement account either. You’ll probably want to make large purchases like a car or house. In that case, you plan out a timeline and invest in less risky things depending on how far out you plan to purchase said thing.

The overall idea of “invest in index funds as much as possible” can be applied generally, but the amount that you contribute and in which types of accounts heavily depends on the individual.

I just wanted to point out that 401(k)s without employer matching are basically just IRAs with high yearly caps because it took me a few years to realize that, and I fancied myself financially literate. It can be a good idea to contribute more, so long as you don’t need the money elsewhere.

As best as you can, max out Roth IRA with an S&P 500 fund like VOO or a targeted date index fund. Also contribute to a 401(k) as much as possible.

The post is saying it’s difficult to discover lemmy without someone telling you about it. It’s not really about searching lemmy.

Lol, I’m not from Germany but I seriously doubt they’d fail you in a driving test because you put the car in neutral before you start it. That’s just ridiculous.

In that scenario, how do you get established borders in the first place?

To add to this, also research ETF and mutual fund fees! Sooooo many are more than willing to charge a “small” 1% fee that will cost you thousands of dollars or more. Others are bold and charge even more. Look for fees in the 0.01% - 0.03% range for your trusty index and targeted retirement funds. Some even have 0%, though those harder to come by.

Freeze your credit at all 3 major credit reporting agencies! Do it now, if you haven’t already. And don’t let them trick you into paying money to do it. It is 100% free everywhere.

It takes a few minutes and could save you lots and lots of time and money, since it makes opening new lines of credit in your name near impossible even if they know your SSN.

Groceries cost the same with or without a credit card. The store is paying the card every transaction, not the user. Annual fee cards need more scrutiny and are often not worth it unless you’re playing the travel points game (and what a game it is). No card in existence is worth it unless you pay it off in full every month.

They even have non-cashback/points perks that are worthwhile, like rental car/travel/phone insurance. My family has saved hundreds with free phone insurance from a card. My screen stopped working, and I got a new one for $30 from an authorized repair joint, which otherwise would have cost like $300.

So, yes, cards do give you free money so long as you don’t hold a balance.

There are services that’ll sell you a brand-new modded oled switch for less than £500. It’s not exactly rare, any switch can be modded and a modchip is better than the OG joycon exploit since modchips are untethered.

I like Feeder as a free Android option

Not a documentary, not even close, but Joe Pera Talks With You.

Plenty of comments hurt my brain trying to comprehend how utterly stupid they are, but I don’t think there’s anything an anonymous stranger could say that would hurt my feelings, that kinda stuff needs to be personal.

All these answers read like they’re written for comp sci students rather than a general audience. Let me give an ELI5 (more like ELI12) a shot.

Ports are just numbers. They aren’t physical pathways or doors or windows or anything like that. A better analogy is a street address, like an apartment number. Your IP address identifies your computer (apartment building), and the port identifies the program on the computer (the apartment). When a program needs to talk to the internet, which is very similar to sending a letter, it hands a packet/letter to your computer and your computer assigns the program a port number. It then puts that number on the return address of the letter so that the recipient knows where to send the response. The computer remembers that port number is associated with that program, so when it gets an incoming letter with that number, it gives it to the program. After the program is done talking to the internet, the computer frees the port up to be used by another program.

Ports are “closed” when there is no program associated with them. Any incoming letters are ignored because they have nowhere to go.

Ports are “open” when they’re associated with a program. This happens automatically when programs send outgoing letters, or you can manually open (or “forward”) ports by telling your computer/router what the port should be associated with and that it shouldn’t use the port for something else.

ELI5 over.

The internet is networks on top of networks on top of networks, so your computer will have an IP and assign a port number, then your router will remember that and change the address on the letter to its own IP with a different port number, then that process repeats a few more times until eventually it reaches its destination. You don’t have to deal much with your computer’s internal network, but occasionally you have to deal with your router’s by opening/forwarding a port because it has a NAT that has to deal with all of the devices on your network. Forwarding the port just tells your router to always send incoming letters with that port number to a specific device.

https://squoosh.app/

Top tier local image compression. Highly configurable. No installation required.

You still get this effect if you are active on specific communities, especially smaller ones.

Vulnerability is frightening and challenging, but it’s also a crucial part of human connection that can be very liberating. It can be really helpful to acknowledge the need to be vulnerable and to realize the hurdles to it and the benefits of it.

Here is a super popular Ted talk on vulnerability that just about everyone could benefit from watching: The power of vulnerability | Brené Brown

This isn’t the study I was referring to, but it’s more recent and came to the same conclusion: https://news.stanford.edu/2022/09/08/asking-help-hard-people-want-help-realize/

There was a study a few years ago that found that asking someone for help actually strengthens your relationship and makes them like you more. IIRC it was on workplace interactions. The basic idea being that if you ask someone for help, it shows you have trust and confidence in them and they get to feel useful, which people generally enjoy.

Obviously that’s going to depend on the type of help. If I need help moving or with some mental issue, that’s going to be a more appreciated ask than if I ask for money. Not that asking for money is always a bad thing, so long as it’s a legitimate need and doesn’t become a habit I think most people would be happy to help out a friend low on cash. It’s better to get financial help from friends and family than from some predatory payday loan that is designed to keep you in debt for the rest of your life.