overview for cecirdr

[Discussion] What games are you playing on your deck? - August 2023 by cecirdr in c/steamdeck@sopuli.xyz

[-] cecirdr@beehaw.org 9 points 1 year ago

BG3...soon. :)

Conservatives go to red states and liberals go to blue as the country grows more polarized by cecirdr in c/politics@beehaw.org

[-] cecirdr@beehaw.org 1 points 1 year ago

I'm a blue person, stuck in the southeast. I'm nearly 59 years old, so I can't transplant easily. My spouse has family roots and a house here too. (I don't, I've been more mobile before I met her).

She's not likely to sell her house either (despite being liberal) because she bought the home she grew up in; Nostalgia. I'm hoping that in 8 years when I retire, she and I will be more on the same sheet of music. Maybe she'll be ready to downsize (though she still harbors the idea of keeping the house, renting it, and being able to will it to her daughter), and we can consider leaving.

The only game plan I can come up with is get a nice van as our "second home" and live full time on the road; Quite an expensive way to escape. Sigh...I hope she and I sync up eventually.

WSJ: Goldman Sachs wants to bail on Apple Card partnership after $1B loss, in talks with Amex by cecirdr in c/finance@beehaw.org

[-] cecirdr@beehaw.org 1 points 1 year ago

Yikes! I had no idea there was any way to lose money when credit card rates were so high. The article says that they had to approve people with lower scores than they would normally do, so they are having to write off double the volume that other issuers are.

...and I just opened my savings account with Apple/Goldman a couple of months ago.

2

It’s bots all the way down at kindle unlimited (www.vice.com)

submitted 1 year ago* (last edited 1 year ago) by cecirdr@beehaw.org to c/technology@beehaw.org

6 comments fedilink

My title might be a bit hyperbolic, but stuff like this worries me. I love to read and I love reading on a kindle. This has been going on for a while, but it has now reached absurd levels.

8

How many steam deck folks are here and what are you playing? (beehaw.org)

submitted 1 year ago by cecirdr@beehaw.org to c/gaming@beehaw.org

16 comments fedilink

Right now, I’m playing the early access version of Baldurs Gate 3. I’m getting ready to put it down (frustrated: BG3 has the potential to be good, but without controller support, I’m getting really frustrated with the UI. ) and switch to Yakuza Like a Dragon.

What are you playing now and what are you looking forward to playing next?

1

My little old dude. (beehaw.org)

submitted 1 year ago by cecirdr@beehaw.org to c/aww@lemmy.ml

0 comments fedilink

I took my buddy camping. He’s 17 years old or so. I got him from the shelter, so I don’t really know. He spent most of the trip just sleeping. 😄

How long do you think until the financial markets collapse? by cecirdr in c/collapse@lemmy.ml

[-] cecirdr@beehaw.org 1 points 1 year ago

I remember years ago when Enron and Worldcom collapsed. People who were retired/nearly retired lost a lifetime of investments. They found themselves on the cusp of their elder years and thrust into poverty overnight.

If (when) the stock market fails everyone is going to be in that same boat because all other avenues of saving money other than shoving it in a mattress or burying it in your yard is ultimately tied up in the market. I have to contribute to a 401k and pension plan to get employer contributions. So instead of a safe CD or savings account...my extra money is "playing" the market. I don't like this and predict it's going to get really ugly for lots of folks when finance buckles. I'm 10 years out from retirement and on edge just thinking about this. Then again, I know I won't be alone.

4

How long do you think until the financial markets collapse? (beehaw.org)

submitted 1 year ago by cecirdr@beehaw.org to c/collapse@lemmy.ml

7 comments fedilink

One of the steps in a societal collapse is a loss of faith in financial tools. The stock market has seemed like a casino for a long time to me, yet it is still cranking out money for the upper crust. It is the primary driver for business decisions that produce short term gain, but reduce long-term viability for the companies and for the environment.

Currently, there are no other real vehicles for the average US citizen to invest in for their retirements. In my parents' generation, there were more. Heck, they had a lot of money in CDs and even those earned a decent rate of interest. Yet everything now is such a low return, or boom/bust like housing, so little guys like me are pushed into getting retirement accounts that are stocks. I'm not keen on that.

What's even worse is that many jobs will employer match if you put into one of the stock market based retirement funds. But if you want to just put your money into a savings account, you miss out on the employer matching. So there's strong incentive to keep putting your money into the stock market.

So I keep trying to read the tea leaves to figure out when the casino is going to collapse. ...or even if it will. I think there are some folks that just assume that it will keep making money for the wealthy and the rest of humanity will just get left behind.