That’s not necessarily a bad strategy, either. Most people, their home is their major asset, but you can’t really access that value to buy groceries in retirement. Take money out on a new mortgage on the inflated value of the house, buy groceries and pay mortgage with that money, and move in with the kids when/if the money runs out. The bank will take the house in the end, but leaving nothing to the heirs may be better than spending your last years living in your kid’s basement. The whole ‘reverse mortgage’ industry has grown up around just that plan.

And X-windows. There’s a few server tasks that I just find easier with gui, and they feel kind of laggy over 1G. Not to mention an old Windows program running in WINE over Xwin. All kind of things you can do, internally, to eat up bandwidth.

If you can be flexible on timing - put off the home purchase for a couple years if there happens to be a crash right at your target date, then a lot of volatility concerns fade. Of course, the middle of a crash is also when home prices will be lowest.

Vanguard’s actual asset allocation on their TDFs is https://retirementplans.vanguard.com/VGApp/pe/pubeducation/investing/LTgoals/TargetRetirementFunds.jsf and there’s a simple asset allocation - return calculator https://smartasset.com/investing/asset-allocation-calculator There’s a bunch of them around, that was just the first one with error bars that came up for me, but it will give you a better sense of both how much and how variable the full equity vs the ~60/40 TDF will be. I like error bars. To my eye, it looks like there’s not much difference in the 5-year median or 25th percentile performance, but a notable upside potential in the 75th percentile. That’s why I say, if you’re comfortable with the volatility, you might as well go all the way.

A target date fund on that horizon is going to be shifting its assets from stocks into bonds and TIPS, but is still going to have most of the volatility of VTSAX. If you’re comfortable with the possibility of having negative return over 5 years, then you might as well VTSAX. If you need for the savings to grow, then you probably want less stock exposure than a future target date fund.

For reference, the historical 5-year return on US stocks is anywhere from +30% to -10%, annualized. Even over 10 years, you’ve got about 1-in-8 chance of losing money. I mean, the stock market is definitely the best way for most people to grow money over time, and the economy looks pretty good right now, but Time is definitely doing the heavy lifting, and almost no one ever forsees the event(s) that trigger crises. 5 years is pretty short term.

University is ok if you’re starting at zero and don’t even know what’s out there. It’s for exposing students to a a breadth of topics and some rationale of why things are as they are, but not necessarily for plugging them into a production environment.

Nothing beats having your own real world project, either for motivation or exposure to cutting edge methods. Universities have tried to replicate that with things like ‘problem based learning,’ and they probably hope that students will be inspired by one or two of the classes to start their own out-of-class project, but school and work are fundamentally different ways of learning with fundamentally different goals.

Without an adblocker, I used to mute the system and put youtube in a background window. Do something else long enough for the video and all its ads to play, then go watch it. They wouldn’t play the ads on a second play through, and it would interrupt the cycle of constantly playing a new video.

I have something similar, but wifi. Never even tried to connect to it, because you just use the buttons to set temp & time.

I can imagine, though, that an app might have buttons for ‘eggs’, ‘yogurt’, ‘steak’, etc. Or maybe let you program temperature-time sequences. Or let you check how much time is left from the next room. Conveniences. Definitely no need for them to phone home, though, except maybe for an ad-driven ‘recipe of the week’ type thing.

It’s a long-standing theme. Thomas Pikettey claims that, throughout the 20th century, about 50% of people own nothing, 40% own their “stuff” - house & car - and 10% own everything else. And, really, that it’s even just the top 2-3% who own the vast majority of that everything-else, except for a brief window after world wars destroyed all the capital, and temporarily put the world into a slightly less unequal condition.

Fame and glory? You think Elon Musk notices an extra billion dollars here and there, or do you think he likes being the Lord of X and the Master of Tesla?

You’d need some way to cache that video, though, because it’d take 24 hours to write 8TB at SD card speeds of 80 MB/s.

Dunno. The last 2 weeks posts on c/personalfinance are just return2ozma doomscrying an imminent recession. As near as I can remember, there’s been people warning of imminent recession every day for the past 30 years. Occasionally, they’re right.

2. What electricity costs in my area. $0.32/KWh at the wrong time of day.

I assume you have this on a UPS. What about using a smart plug to switch to UPS during the expensive part of the day, then back to mains to charge when it’s cheaper? I imagine that needs a bigger UPS than one would ordinarily spec, and that cost would probably outweigh the electric bill, but never know.

I came to MySQL and Apache because they were the backend for other services I wanted to start,. Later, when I wanted to build my own, I already had Apache running, so why would I add nginx? I did let other services add sqlite, but have (in most cases) figured out how to switch those to MySQL.

All of that has been running for 20 years. I’m sure it would be good for my dementia-risk to learn how to start ngnix and migrate all those services, but it’s far more attractive not to mess with what works.

I have isc-bind running behind pihole so network clients can register their own hostnames, and as near as I can tell, that’s outside the scope of pihole’s DHCP and dnsmasq. Pihole alone is probably fine if you only want to name static hosts, but (I understand) Unbound doesn’t support ddns, either.

pihole, in front of my own DNS, because it’s easier to have them to domain filtering.

mythtv/kodi, because I’d rather buy DVDs than stream; rather stream than pirate; but still like to watch the local news.

LAMP stack, because I like watching some local sensor data, including fitness equipment, and it’s a convenient place to keep recipes and links to things I buy regularly but rarely (like furnace filters).

Homeassistant, because they already have interfaces to some sensors that I didn’t want to sort out, and it’s useful to have some lights on timers.

I also host, internally, a fake version of quicken.com, because it lets me update stock quotes in Quicken2012 and has saved me having to upgrade or learn a new platform.

If you email to people on gmail or outlook, won’t Google and Microsoft still end up with copies of most of your mail?

Ditto on hardware raid. Adding a hardware controller just inserts a potentially catastrophic point of failure. With software raid and raid-likes, you can probably recover/rebuild, and it’s not like the overhead is the big burden it was back in the 90s.

Once you have a microcontroller running things, adding new features is just a matter of software. Doesn’t add to the BOM, doesn’t complication production in any way. There’s almost no marginal cost to techify everything, and the people who don’t want those features can just not use them. The small minority of people who want a repairable car that they can understand and maintain in their own garage are undesirable customers who reduce after-market revenue.

In the US, plug-in hybrid is a decent way to cover the breadth of consumer desires. Get a battery big enough for 50 miles of daily commuting, but have the ICE for 500 mile holiday trips. More complicated, having both power systems, and you still have the tie to gasoline, but you don’t have to lug a massively oversized battery pack everywhere you go and you still get most of your transportation energy from the electric grid.

Updating in case this turns up in search results. As of July 2024, Schwab’s “end of 2023” individual API still has no expected release date.

I ended up getting an experimental account with Interactive Brokers. Their API talks to client software running on your local machine, rather than directly to their web servers as TDA. This makes it a little easier, because authentication is all handled by the client software, but it also means you have to manually log in through the client, and there is no authentication between client and API. Their documentation and examples are ok, but the framework is a lot more complicated, because it handles stocks, bonds, crypto, commodities, and forex.