You think so? You got a lot of upvotes, so unless you were trying to be antagonizing, you probably didn't come off wrong.
Also, "baked fresh daily" is not the same as "baked fresh today".
The taste has a huge difference when you find a rare bakery that is baked fresh not just today but every 1-4 hours. There's a sandwich shop out here that bakes all of their bread fresh on the hour from scratch. Fresh bread is wonderful.
Taste 100%. Second, variety. Third, consistency.
Like most words in English it's context sensitive. Referring to bread the crumb is the center of the loaf, the soft part. It's usually referring to the size of the holes, or the structure of the center of the bread.
imo sourdough bread tends to taste a slight bit better with bread yeast in it, so I'll add some to my bread. Ofc it depends on your taste buds if you like that bready taste.
Why is perfection to you look instead of taste? As long as my bread tastes better than I can buy, I'm going to continue to bake bread. It can look like the San Jose statue for all I care and if it tastes good I'll still eat it.
I think most people go through a period where they care about crumb, but as time goes on they start to care more about taste. By the time they get taste really good they might start to consider going pro.
He is up there, showing to be one of the best investors of the age. Ironically his GME stunts are some of his less successful trades. How he trades is right there in his name, he does deep value investing. His investing style is quite similar to Warren Buffett, though Warren would buy out a company and replace management and fix it up. DFV looks through financial statements for any sign a near bankrupt company will recover and then he buys options on them. It leaves me wondering if Warren Buffett had the same access to options when he was younger if he would have gone the same route.
I hear the Aldi version can be healthier and taste better than the name brand. (We don't have Adlis here, so I could be wrong?)
Out here the high end supermarkets have non-name brand versions that taste better and costs more than the name brand version. Brand loyalty is something you usually only see poor people strongly following, like showing off Nike shoes and what not.
Obviously if a HYSA pays 4.25% then the mortgage would need to be 4.25% or higher to prioritize paying it over putting into an HYSA. That's what rule of thumb means, not absolute or strict, obviously there are going to be exceptions.
The actual argument that is made is the board is willing to pay a bit more for a higher than average performing employee, be it a software engineer, sales person, or CEO. When it comes to CEOs they're willing to pay more than the next company to secure a better worker, but then this philosophy became mainstream and this turns into a slow motion bidding war. Over time companies are willing to pay more and more for a perceived better than average CEO.
If this argument is true it points to a systemic problem: that companies would rather pay employees more than train new employees. It's the same systemic issue that causes an entry level role to require a PhD with 8 years of experience yet pays $20 an hour. You've either proven yourself in the industry already and take home a larger income, or you're desperate to get your foot in the door and will take pennies for a job that should be paying six digits without much inbetween.
Today if employees are trained by a company the company will have to up their pay to match or the employee will go to a competitor. This puts a strain on that company, so they'd rather not train them.
In the past employees were incentivized to stay with retirement programs, usually a pension. Today companies rarely offer a pension because 1) A 401k is a better deal and employees know this losing its benefit, and 2) The pension comes out of the company's pocket, which makes them anti-competitive. If they offer a pension and their competition does not it can be such a high financial burden it can cause the company to go bankrupt, and many have gone bankrupt over it.
The solution then is obvious: Put into law a mandatory system that encourages employees to stay with the company. This way competition has an equal footing. This can be done how many European countries do it, or done a different way, it doesn't matter. Any solution that isn't flawed will work equally well.
This is the same issue with unions. When a company unionizes in the US that company loses to its non-union competition, leading to inevitable bankruptcy. The solution is to do what most European countries do which is to have industry wide unions instead of company wide unions so competition has an equal footing. Any solution that puts competition on an equal footing that isn't totally flawed will work.
Over multiple decades yes, but the above comment talks about paying a house off in 2-4 years, so that's the timeframe it's referring to.
Market returns are not consistent. When interest rates are high historically S&P has an average negative return, because when interest rates are >5% historically there is a recession within the next 4 years. When interest rates are low a recession just happened or it's at the end of a recession, which is an ideal time to invest in the market. So pay off high interest rate loans first, then invest in the market.
That sucks. I'd consider going to an allergist that permanently removes food allergies if it's that bad.
Yeah, emphasis on pay off as reasonably possible. i.e. pay it off first before putting into a taxable brokerage account.
Whenever I bump into people with an English degree irl I push them towards technical writing. So far all of them have done it, have gotten a good gig, and they seem quite happy.
My neighbor does water cleaning management of some sort. It seems like a good stable gig that pays six digits.
Painting in general. Most painters are not great so a great painter visually stands out in an obvious way. A great painter that networks with a wealthy community can make 300k a year. A normal painter, 60k a year.
Coconuts are advertised as useful for healing skin and stomach lining (which is like your inside skin), so they're going to be popular in cosmetics. I was unaware of detergent. Thankfully coconut isn't as wide spread as other allergies in food. You're going to have to avoid thai food like the plague unfortunately. Are you allergic to palm too? That one is a bit harder.
The general rule of thumb is if a loan is above 4% pay it off as quick as reasonably possible.
There's still a reason to get a loan, including a mortgage, which is to reduce tax burden. Instead of selling a million or more in USD and taking the tax hit, it might be better to sell over a period of 2-4 yers. Though if that's the case, then you'd be better off with a margin loan paying around 5% instead of a mortgage at 7%.
If the market crashes and we enter a recession rates will go down and at that point in time it may be worthwhile to get a reverse mortgage and then using that money to buy stock, but that's neither here nor there.
I'm struggling to think of another reason to get a mortgage. So no, you probably don't want a mortgage.
Most bread in the US isn't real bread, just look at the ingredients list. (In Europe most US bread is classified as cake, not bread.) Most pasta in the US is real pasta, again look at the ingredients list.
Do you have issues with real bread, i.e. bread with just the ingredients: flour, water, salt, yeast / starter? If you're only having issues with non-traditional bread, it's probably something in the ingredients list that is causing you problems.
Yes that is reincarnation. Steam entry is a Theravada Buddhism term, not a term used in Hinduism or anywhere else that has reincarnation. Mixing the two up smells bad. I haven't looked into the guy to figure out if he's a charlatan or what is going on, so grain of salt.
For most people who have ADHD, myself included, it's easy to focus on a single meaningful task than it is to focus on a bunch of small meaningless tasks. ADHD makes it easy to hyperfocus, where all you can think about is this one task and be hyper productive. It's like a super power. People with ADHD can be hyper productive, but not enough meaningful tasks and the ADHD person will struggle to do work or get it done. Sometimes no matter how hard they try nothing happens, they can't focus on their work. This creates a guilt complex, which OP looks like they have. In school it can mask itself as procrastination and is often mistaken for it. In work it looks like surfing Reddit all day despite knowing you have work you need to do. You're not avoiding the work, you just can't do it.
This is different than what you're talking about where you're choosing to do other activities. ADHD removes that choice. You don't choose what you do, you can't help but to do the most meaningful task you can find.
Fellow ADHDer here with identical symptoms as you. My solution over a decade ago was to work remote. This way I stopped feeling bad when I was on Reddit all day. Another solution is to take classes or read a text book in some of my free time, which is productive free time.
There are other solutions too: ADHD medication can help, but I found what works best for me is a private stand up, which is what SCRUM teams do. Every morning you think of what you're doing for the day and you let people know. A private one you imagine you're telling your coworkers what you're going to be doing today. This gets the gears spinning which helps counter overlooking something that may have needed to get done. There are days I do genuinely have downtime, sometimes weeks at a time, and that's okay. My work for those days are 5 minutes long like checking emails, checking the calendar for meetings, and so on. Imagining myself BSing to my coworkers exaggerating how much work I have to do gets the gears spinning so I don't overlook tasks I may have forgotten about.
There was a thread on /r/Buddhism addressing some of this just the other day: https://www.reddit.com/r/Buddhism/comments/1d4vngd/how_karmic_transmission_works_without_a_permanent/
Here's my comment answering these same questions:
[Rebirth is a] cause-effect relationships continue to echo out into the future. If you're kind to someone they're more likely to be kind to those around them later one. This kindness echoes outwards. Same with being hurtful to people, as well as everything else you do.
What you do influences everyone around you like ripples in water. You can't see all of the influences you're making on to the future. You're birthing this change.
One of the more common misconceptions is mistaking rebirth for reincarnation. Buddhism believes in rebirth, not reincarnation (except Tibetan Buddhism).
In the US you can get it over at In House Pharmacy. Out of pocket it costs between 10 and 30 cents a pill, quite cheap.
The science of breast development, and how to maximise it.
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