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gyrfalcon

@gyrfalcon@beehaw.org

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gyrfalcon ,
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I bought a used HP Elitebook on eBay for a similar purpose. I can browse and do video calls on a bigger screen when the fancy strikes. Pretty much any used business laptop should work. I think I paid about $300 for mine and I paid extra for particular hardware I thought was neat but you don’t have to. Only thing to keep in mind is the battery will likely be pretty worn.

Twitter's lost 13% of its daily users and its rebrand has failed ( www.bigtechnology.com )

The new data — comprehensive and definitive — should put to rest the countervailing narratives over Musk’s management of the app. Under his stewardship, X’s daily user base has declined from an estimated 140 million users to 121 million, with a widening gap between people who check the app daily vs. monthly. X’s...

gyrfalcon Mod ,
@gyrfalcon@beehaw.org avatar

Hey, this comment reads like you’re just dunking on another user. If that is not what you meant to do, please try to communicate more clearly, and if that is what you meant to do, please refrain while commenting on Beehaw in order to be(e) nice. Thanks!

gyrfalcon ,
@gyrfalcon@beehaw.org avatar

If you’re willing to roll your own a bit, whisper.cpp is pretty good

There are now two types of PayPal dollars, and one is better than the other ( jpkoning.blogspot.com )

TL;DR: thanks to strong regulation from the state of New York for crypto, and weird and confusing regulation of PayPal across the country, PayPal’s stablecoin ends up being invested more conservatively and transparently while providing a stronger claim for customers in the event of PayPal’s bankruptcy than a traditional...

AfterthoughtC , to technology
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  • gyrfalcon Mod ,
    @gyrfalcon@beehaw.org avatar

    Hey this is a great contribution, just wanted to request that in the future you try to have a more descriptive title. Totally understand that it might have slipped your mind on this one, this is a charged topic to say the least, just a note for the future. Thanks!

    gyrfalcon Mod ,
    @gyrfalcon@beehaw.org avatar

    I’m not sure what the intent on this post is, but between not being able to find much else about this game and the installation instructions including using a VPN to pretend to be in Indonesia, I’m suspicious malware may be at play. Going to take this down for now.

    gyrfalcon OP Mod ,
    @gyrfalcon@beehaw.org avatar

    Others have mentioned Stormgate, but I think the upcoming Tempest Rising is more in the Command & Conquer vein

    gyrfalcon OP Mod ,
    @gyrfalcon@beehaw.org avatar

    Good news: Another one of my hobby investing picks, CLS, is up almost 100%. Unfortunately my brokerage won’t let me put out a good til canceled order with fractional shares, so I’ll have to keep an eye out and put out daily limit orders to take some profit.

    Bad news: Some medical stuff that I thought would be a reasonable price came back as more than I hoped. Still not really excessive, as American medical stuff goes, but more than I was told, so now I get the joy of calling people to talk about it.

    Goldman Sachs wants out from Apple Card partnership ( appleinsider.com )

    tldr: Apple prohibits bullshit fees on their Apple Card that predatory lenders like Goldman rely on. Goldman isn’t able profit because they can’t fuck over customers, therefore they want out of the deal they have with Apple as the servicer of the Apple Card....

    gyrfalcon Mod ,
    @gyrfalcon@beehaw.org avatar

    Frankly I’m just confused why Goldman ever agreed to this in the first place. No fees on the card, no cut of interchange fees, where did they think they were going to make that up? I guess maybe borrow cheap to front people and then let those people carry a balance, which doesn’t work so well with higher rates. And even then, I kinda doubt the people who are so into the Apple ecosystem that they get the credit card are going to be carrying balances often and large enough to make that math work out.

    gyrfalcon OP Mod ,
    @gyrfalcon@beehaw.org avatar

    Not a huge week, but I did decide where to allocate my profit from selling out of MHO. I picked GSL, a company that owns container ships and leases them out to people who conceivably need to ship lots of things. They are trading below book and at a low price/earnings, but have significant earnings growth and have beaten earnings estimates for the last several quarters.

    gyrfalcon Mod ,
    @gyrfalcon@beehaw.org avatar

    This is a great resource, thank you for posting it! However, it would likely be a better fit for the Beehaw Programming community. Please post links like this in that community in the future!

    Belated Money Monday Discussion Thread: Tuesday July 18th

    Hi! One day we’ll have a bot for this and we won’t have to rely on me remembering, but until then, enjoy Money Monday Tuesday. Feel free to comment below with anything and everything money related that is better suited to a conversation or a quick question and answer than a full post. Some ideas include:...

    gyrfalcon OP Mod ,
    @gyrfalcon@beehaw.org avatar

    As far as my main finances go, the biggest concern is that my FSA doesn’t seem to like to work with my mail away pharmacy, so every order they request documentation of the health expense. I can get that, but the website for the pharmacy is a real pain in the butt to use, so it’s a whole production. Luckily (or unluckily) my FSA is pretty much empty, so I’ll have to tap the HSA I have from my old employer.

    For my hobby investing account, I took my first profit! I sold half of my shares in MHO to recover my initial investment of like $30. I am going to spend some time with a stock screener to find where I want to put that money, and let the other half of the investment run in the hopes that they continue to do well.

    For my paper account, I hit my profit target on my strangle trade and closed it. I may try some similar volatility strategies on single stocks rather than SPY, just to see how it is.

    gyrfalcon Mod ,
    @gyrfalcon@beehaw.org avatar

    Sure, people are more than their political views, but I don’t know that that means political comments made in tech content should just be ignored. The people making the content put them there deliberately, and there’s enough tech content out there that at the very least if that bothers you, it’s easily possible to find something that doesn’t include those comments, if not something that includes political commentary that isn’t bothersome.

    On top of that, what some might call identity politics, others would call minority groups getting together and demanding that their voices be heard the same as others. Political divisions often reflect real life experiences and how they differ, and the only way to just ignore the political differences is to ignore important issues is people’s lives.

    Identity politics is also a 2 way street. I’m not familiar with tech podcasters specifically, but I imagine they’re not getting the same kind of push back if the political commentary is putting minorities in a negative light.

    What I am using far too many words to say is, dismissing the concerns of the OP because they sound a little bit too much like identity politics is not a nice way to contribute to this thread, and I encourage you to reexamine your post and think of nicer ways to contribute in the future.

    gyrfalcon OP Mod ,
    @gyrfalcon@beehaw.org avatar

    Another relatively quiet week for me. I did join a gym, which based on some cancellation stories I’ve seen might as well be signing my life savings away, but I definitely don’t have anywhere in my apartment to keep a rowing machine. I’m also nearing the end of my FSA funds about 5 months earlier than I had hoped, which isn’t great but I still have some money left over in my old employer’s HSA that I need to start spending before the custodian nickel and dimes me out it.

    For my hobby account I have had some dividends come in which is nice, it means I have about 5 more dollars than I did before with a smidge more on the way.

    For my paper account, my strangle is in the green, though if I was looking short term and had been smart I would have closed it sometime last week for a few hundred in profit, which for a week at a risk of about $10k fake dollars is not so bad, but I am hoping that by looking long term I’ll be able to capture something more substantial.

    gyrfalcon OP Mod ,
    @gyrfalcon@beehaw.org avatar

    Not too much going on for me real life money wise, which is how I like it, although I forgot to mention an account in my last post. I have a cash management account that holds what I hope to one day be enough money for the down payment on a house. Right now it is just set up with most of the balance to automatically roll into a short term brokered CD, and with some money set aside such that, given how banking has been lately, if my main bank had trouble right when all my bills came due I wouldn’t be completely screwed.

    For my little real money fun investing account, the only notable development is that MHO is getting pretty close to reaching 100% gain. If it does, I intend to sell half the position to get out what I put in, reallocate that, and let the remainder ride to see what happens.

    For my paper trading account, I took some of my own advice from last week and closed the position I had on F. I have also changed my approach to the volatility trades that I had been doing with the SPX iron condors. Volatility is low right now, so long term I would expect there to be more volatility at some point in the future. With that in mind, I decided to try a strangle strategy using LEAP options. This should minimize my exposure to theta while allowing me to profit whether the future volatility is upwards or downwards. For position sizing reasons, this is no longer held on SPX, but instead SPY.

    gyrfalcon OP Mod ,
    @gyrfalcon@beehaw.org avatar

    I’m not sure how much churning we have representation for, given c/Finance is already on the smaller end, but could definitely be a good one to split out as activity increases!

    I would be interested in you sharing some knowledge. I have been working on assembling the Chase Trifecta for maximizing my day to day spending into rewards points, but I haven’t seen any offers that look good enough for a true churn to get and cancel or forget about the card after. I’m familiar with MS as manufactured spend in churning lingo, but what is SUB?

    Money Monday Discussion Thread: Monday June 26, 2023

    Hey y'all! I have been thinking that this community could use a weekly discussion thread. Feel free to comment below with anything and everything money related that is better suited to a conversation or a quick question and answer than a full post. Some ideas include:...

    gyrfalcon OP Mod ,
    @gyrfalcon@beehaw.org avatar

    Huh, I have never heard of that one. I'll have to look into it. As I mentioned in my other comment, I am working on assembling the Chase Trifecta of cards, which should help me pay for the majority of my travel needs via points. How do the redemptions work on the Shop Your Way card?

    gyrfalcon OP Mod , (edited )
    @gyrfalcon@beehaw.org avatar

    Alright broad rundown time so I can reference on future posts:

    For retirement I am currently following a portfolio allocation from Ben Felix, adapted for the U.S. by this website, with a 15% bond allocation. For those who don't want to click through, this is essentially a total market portfolio that makes sure to cover domestic and international equities, with a bias towards small cap value stocks, which historically have shown additional returns over large growth stocks. The bond allocation is more by accident if I am being honest, and I will probably gradually reduce it as I am pretty young and I find the arguments presented for lifecycle investing pretty convincing, though not actually convincing enough to leverage my retirement without the direct advice of a financial advisor. I am more or less hitting my target allocation now, as I just finished a 401k rollover and was able to get everything the way I wanted.

    I have a small hobby investing account, funded from my hobby budget and currently less than $1k in total after getting a $100 bonus for funding the account. The investments there are mostly picked based on what I think is interesting, including the following:

    • Funds
      • NTSX: Efficient core fund that uses futures to replicate a 90/60 leveraged stock/bond portfolio, for only 0.2% in fees
      • RSP: S&P 500 index fund that holds all 500 stocks in equal weight rather than market cap weighting. This keeps the portfolio from being mostly the top few countries, ideally improving diversification.
      • MUB: Municipal bond fund, this is a taxable account and I thought it would be fun. Plus lending to local governments makes me feel like I'm doing my civic duty.
      • VBR: Small cap value ETF from Vanguard, tries to capture the size and value premia. I also hold this in my retirement accounts for my domestic small cap value allocation.
      • DISV: Dimensional small cap value international fund, similar to VBR but outside the US. I hold similar fund AVDV in my retirement accounts
      • ICLN: Renewable energy fund, because oil companies suck
    • Individual Stocks
      • These were selected on the basis of small companies trading at or near book who had consistently beaten earnings expectations around last fall. It's been mixed success, but a lot of fun! These are sized at ~1/4 the size of my individual fund positions
      • MHO: U.S. homebuilder, up around 80%
      • CLS: Software and hardware provider for logistics solutions, up around 27%
      • UNM: Insurance company, they do life and critical illness but not main healthcare, up around 17%
      • WRK: Paper packaging company, down around 30%. I let a cheap valuation blind me to the fact that they don't actually make that much money, and their Q2 reports were BAD.

    For things that are too risky or capital intensive for my hobby account, I have a paper trading account. Right now this is mostly options strategies, and it's a good thing it's not a real trading account because I fat finger the app on my phone regularly enough that it would be a problem lol. Anyway, the main plays there are:

    • Bullish call spread on F using LEAPS. This was originally a backratio spread which I think is a neat defined risk trade but I wanted to roll it out to a further strike date and messed it up.
    • Poor mans covered call on GLD. I originally opened a relatively deep in the money LEAP position on GLD during the debt ceiling talks, thinking it would be a nicely leveraged way to get some exposure to gold in the event that things went south there. Happily, the government continues to function, and so I decided to use the position as a way to practice the PMCC, though realistically I should just close the position and take my loss.
    • Iron condors on SPX opened on Fridays to expire on Mondays. Originally I thought this would be a very pure theta play, but upon further review I am shorting vega. I don't think this is an egregious trade overall given how volatility has declined in the last few months, though it has burned me the last two weeks and I think my timing and management of the trade could be significantly improved.

    #Web3, The #Metaverse, #Cryptocurrencies, #NFTs, And #Blockchain Tech: The Supposed Hope Of The Future. #bitcoin #crypto #btc #cryptocurrency #nft ( www.bitcoininsider.org )

    In the web3 value chain, the profits don't all go to the assemblage as they do in Web2.0. All the money doesn't go to Facebook and Google here if this vision sees reality. Creators will take home the profits, and those who own scarce digital assets whose value may increase with time, supported by large, decentralized exchanges...

    gyrfalcon Mod ,
    @gyrfalcon@beehaw.org avatar

    Hey, not sure if you're maybe more used to Mastodon or something, but the hashtags in the title don't have any particular effect here. Not sure what your goal with them was exactly, but figured I'd let you know.

    gyrfalcon Mod ,
    @gyrfalcon@beehaw.org avatar

    No clue, I'm not on Mastodon, but maybe.

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