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This is... not right. "Fixed-rate mortgages dominate U.S. households, comprising about 92% of all home loans." https://fortune.com/article/current-arm-mortgage-rates-08-21-2025/ They're not even 40% of current applications. “ARM applications increased 25 percent to their highest level since...

What the fuck was everyone else doing, waiting for the guy to die?

Same. Of course, August was regularly so hot and muggy that I had trouble sleeping.

Wife wanted bulk thin cut onions for a burger party, so we got a mandolin for slicing. Mega-genius me cut the tip off my middle finger in the first 10 seconds. Goddamn thing bled for almost an hour, then we spent 20 minutes finding my fingertip in the onions so we didn't accidentally feed it to...

Any word on when EA ends? I'm saving this for release.

I think I mentioned this in another thread, but my wife was on this flight. It was a lot more dramatic than the summary makes it sound. https://www.yahoo.com/news/delta-plane-engulfed-engine-returns-041124893.html

The inheritors will roll it deeper into real estate and drive prices up, lol.

"Massively increasing supply" is only true relative to the recent all-time bottom. We're not even close to oversupplying the market. 2005-2010 is what a bubble looks like. And it's even worse than this chart would indicate because in the background the population has grown by 50% since 1980...

Wishful thinking. Again, people can't sell for less than they purchased for because they have to roll it into another house. Sellers simply can't go underwater. The reason for the mismatch and lack of market clearance is that buyers are at a generational low due to interest rates, which are the...

Wood welding, new to me. Apparently by vibrating two pieces of wood against each other at precise pressure and frequency they can melt and fuse the lignin and hemicellulose and bond them together at least as well as modern glues.

I've been frozen for Windows updates since 2023 because for some reason it wants me to upgrade the BIOS for my SSD and I can't be bothered.

Yeah, the housing market isn't going to "pop" until we build more units than people who want to live in them. As of now we're 5-7 million homes undersupplied. Houses are unique in that everyone has to live somewhere and so it's not physically possible for sellers to eat a huge equity loss...

People end up in the serious stages of relationships for all kinds of reasons and perspectives. I've just never met anyone who didn't like sex when they actually found a person who did it for them, unless they had a hormonal problem. We're universally wired for it, for obvious reasons. GIve it...

Obviously the only course of action as a parent is to be supportive, but especially at that age it most likely means she just hasn't met anyone she really feels strongly about. I was friends with my now wife for several years before we started dating and she had expressed a similar disinterest...

I always felt like if you don't want a guy to teabag you for 25 minutes, maybe you should get good enough to do something about it.

When we redid our bathroom I put the controls on the side wall so you don't have to get wet to turn it on, but this... lol.

I think that depends on the numeracy of the patient. I'd love that presentation, but having sat in on several such conversations with family members most people's eyes glaze over and they say, "Just give me a number, doc."

I think we are agreeing with each other. Perhaps I didn't express myself clearly. I was not intending to support the idea that a homeopathic fruitarian diet or some other bullshit will cure cancer. Current medical technology, including ratiation and chemo, is by far the best toolset we have...

What's even more cringe than Moneyberg are the high-profile practitioners shilling for him. It's a clear counterpoint to people who keep saying that BJJ is mainstream enough to reliably provide financial success.

Well yeah. All things considered, cancer is still very poorly understood both in positive and negative outcomes. Some people get spontaneously better, and others rapidly deteriorate and die despite the best medical technology we have. Everything is a game of statistics with wide distributions...

Fortunately by 8th grade my son seems to have found the other normal kids, but I swear to god a couple of friends he has brought over in the past have brain damage. When he was in 4th grade one kid came over and instead of dropping him off his mom invited herself in and sat in our living room...

There's always a smoothing plane. My own current project in process, a platform bed with storage for my son. (This is a component of the internal structure.) Never enough clamps or squares...

The super wealthy? Hardly at all. They can be a great vehicle for people who save their way to low/moderate wealth, though. Use them while you're able to, second only to HSAs. If you have a low income year you can also do a traditional > roth rollover. My dad benefitted greatly from doing that...

Planing just transfer the grit with which you sharpened to the work surface. Tearout aside, a planed surface can be many thousands of grit; far higher than sandpaper. The reason people sand is for a) guaranteed uniformity and b) to actually make the surface less smooth and more porous to...

I think there's a market for small EV pickups in urban/suburban/commercial settings. Think working trucks for builders, plumbers, pool guys, landscapers, etc. I'd even consider one as a second car just to haul gear and materials for home maintenance/shop projects. I have a Y as my primary ride...

Anyone who wants to slog through some data can chew on this for a while. It's more about the change in income/net worth trajectory from 19-22 vs 16-19, but there's some good info. https://www.federalreserve.gov/publications/october-2023-changes-in-us-family-finances-from-2019-to-2022.htm

I'd have to parse the numbers carefully, but I'm not sure that is totally at odds with the data I posted. The chart shows average net worth, which is subject to distortion compared to the median if there are a relatively small number of large outliers, which seems likely when talking about...

Similar theory for me. My kids have kindles and I provide them with unlimited books to read. They're both voracious and it's done wonders for them. They also play games, but only on the weekends and up until extremely recently they did it only with me as a group activity. My son's friends all...

Yes. The effect is worse on the youngest cohorts. Keep in mind looking at this chart that it's not tracking a fixed group of people across time. The average moves because people are being born/aging into each cohort with less desirable attribute combinations.

Relevant: "The average 20-year-old today scores lower on conscientiousness and higher on neuroticism than 70 percent of all people did just 10 years ago. These aren’t abstract measures. Conscientiousness—traits like following through on plans and persevering with tasks—strongly predicts...

I still game regularly, mostly with my kids now, but for MMOs it's been almost 20 years. Pretty sure the last one I played was WOW: TBC. I don't think I can credit anything to MMOs; all my min-maxing OCD was developed playing D&D in the early 90's. And honestly that's secondary to financial...

"No". The social comparisons and imprinting are cancerous for girls that age. I sympathize with the battle, my daughter is 11, but fight the good fight.

Is it? I don't know how many active posters there are, but it wouldn't be crazy to see 5-10 out of several hundred across the board. That's single digit percents. As far as participants in this particular subforum/thread, as others have said there's no doubt a ton of selection bias going on. I...

This. Much like losing weight, the best way progress financially is to control what you eat. That doesn't mean you have to live like a pauper, but it's a necessity to line up your income against an honest budget so that you understand what effect incremental expenses are going to have on your plans.

I have no idea what "splitting a quantum singularity" means, and those words don't appear anywhere on the internet except in this video and others on the same channel, which if you look at their history is an obvious clickbait farm. As far as radiation the same as the universal background, we...

Real men craft it themselves. Join us at the Woodworking thread.

My avatar is as serious as yours. I didn't have one for 20 years until someone said I should use Nye because I'm a pain in the ass.

That's not how convincing people of things works either. If you've got a point, provide substantiation (edit: with controls and statistics, otherwise meaningless).

What data? That's a screenshot of an email of one guy's story, and the link goes to a paywalled substack page. Even if he's got lots of these, they don't constitute a study. Great if true, but this is not how true is established.