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Joined 1 year ago
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Cake day: June 11th, 2023

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  • That really depends on your local state tax situation. Fidelity has a great tool to compare yields of differently taxed fixed income options here. Basically:

    • t-bills are not taxable at the state level
    • municipal bonds are generally not taxable at the federal or state level
    • CDs are taxable at the federal and state level

    So that's why I park my savings in t-bills, I pay state income tax, and t-bills have a higher after tax return than CDs, and are more reliable than municipal bonds. The money that needs to be a little more liquid is in a money market fund.

    How much cash

    I don't hoard cash, so it's only my efund and my slush fund (i.e. the money that I've charged on my credit card or expect to pay in bills this month).

    My money market fund yields 4.97% last I checked, and I think t-bills are >5% right now.

    My total portfolio is almost entirely stocks, outside that efund, with any 75% US stocks and 25% internal stocks. My target is 70% US, 30% international, but I haven't bothered rebalancing yet this year so it's a bit lopsided.





  • I don't think there should be a rule either way, but instead a community guideline to avoid pronouns in general if they're not known, or to use they/them if absolutely necessary.

    The only rule related to this, imo, should be civility. If you're intentionally misusing pronouns, that should be against the rules, not because of pronouns, but because you're intentionally being a jerk. The same goes for slurs, personal attacks, etc.

    It turns out that I've seen a lot of stupid comments from users from hexbear, but that's potentially because those users are really easy to spot due to the unique username format. Regardless, I think it's a stupid instance rule, and I reflexively skip past those posts because I haven't seen any good posts (subjective obviously) from a user from that instance.



  • On the Internet, pronouns should be irrelevant, just use they/them or "the OP" if needed. The only time pronouns are needed imo is for actual, personal discussions. If you need to refer to a poster that's not the thread poster, you're probably using lemmy incorrectly.

    If someone posts them and I bother to look, I'll probably try to use the correct ones. Otherwise I'll just avoid pronouns and use they/them if I really need to.

    So requiring it just makes it easier for me to tell someone is from hexbear and is more likely to post stupid emoji than actually post something interesting (that's been the case so far), so I don't think much of value would be lost if we defederated. I'm against defederation though, especially since it's so easy to detect.

    I'm 100% in support of the lgbtq+ community, I just don't think we need pronouns on the Internet. Just make a community rule to avoid pronouns instead, especially since there's already a stupid culture of assuming everyone is male on the Internet. Moderate that and people will adapt to gender neutral language on the Internet.