Hazzard

joined 1 year ago
[–] Hazzard@lemm.ee 3 points 1 month ago (1 children)

Yeah... even worse, it appears the admin didn't even announce it, this is just one of the developers clarifying what the admin probably did.

As someone who uses Ryujinx, I literally spent the afternoon curious about an error I was getting while updating about the build server being down "probably because it's building a new version, check back in a few minutes", only to find a Twitter screenshot of this linked in slack that evening.

[–] Hazzard@lemm.ee 3 points 1 month ago* (last edited 1 month ago)

Ah, he recommends saving 1000$, then tackling your debt, then building to 3-6 months expenses. Which is... fine, I agree with the principle of it, but that number is definitely one of those things I'd consider being more flexible with. The amount I think you should save before tackling your debts depends on a lot of factors.

I also don't necessarily agree with saving that amount in two blocks, we personally saved 1000$, paid the most pressing card off, and then saved another 1000$. I think it makes sense to adjust that minimum emergency fund number as your situation evolves.

Just another case where I find he works fine as a starting point, but where most people shouldn't follow his advice to the letter.

[–] Hazzard@lemm.ee 2 points 2 months ago (1 children)

Mmm, excellent addendum to my proposed changes. 1000$ is better than nothing, but it hasn't really kept up with inflation, and circumstances really change things. For example, if you have a house, the potential opportunity and cost of an "emergency" goes up immensely.

But yeah, for us personally we pretty quickly went up to a 2000$ emergency fund, despite the relative stability of renting and driving a fairly new car. We'll be working on our 3-6 month expense emergency fund soon. I definitely think it's better to view the baby steps as flexible guidance on a starting point, rather than the concrete law they frame it as.

[–] Hazzard@lemm.ee 7 points 2 months ago (7 children)

I think I have an interesting perspective here, as someone who did kinda get their finances under control thanks to a Dave Ramsey course, and later had the unpleasant experience of discovering how much of a right-wing idiot he is during COVID.

Something I've noticed is that a lot of his advice seems targeted towards people who are crushingly bad at navigating debt. One of the most viral things they do is called "the debt free scream", where people share their stories on his radio show after getting debt free, and just... do a victory scream, essentially. Kinda fun, not really a bad thing, but it shows how most of the people he deals with directly and the ones that make the best marketing are people with hundreds of thousands or millions of dollars of debt despite making very average money. Just absolutely no self-preservation instinct around available credit.

And for these people I think his advice makes sense. Absolutely no debt, debt is the enemy, it will crush you. And stuff like how he pushes you to chase paying debt with high intensity, get multiple jobs, etc. Because otherwise it's impossible to even manage to put money on the principle of a debt that large.

For the average person though? His best advice is basic budgeting, focusing on paying your debts one by one so you can celebrate each victory quickly, and building an emergency fund so you don't need to go backwards as soon as you have a car problem. Also, yeah, ditch the brand new truck, it's burying you in debt you didn't need.

But absolutely, I'd highly recommend modifying his recommendations for most people, and I don't doubt someone out there is doing a better job of teaching this stuff than Ramsey is. My advised tweaks:

  • Find a budget you can live with, paying your debts a couple months faster isn't worth being miserable, and makes it more likely you'll be able to stick to a budget for as long as it takes.
  • Zero-based budgeting (budgeting every dollar at the start of the month) isn't really necessary, leaving a little loose change that you can allocate later once the month is actually happening is pretty helpful. It's ok to shift things around so long as you aren't spending money you don't have.
  • Actually do keep "fun money" or "restaurant money", so long as you're capable of including it in the budget without hamstringing your ability to pay debt. If you're giving more to debt than these things, then you're probably fine.
  • Ultimately just... think for yourself, and make your own decisions, based on your own income and expenses. Ramsey is a decent, if aggressive, starting point (and again, not the best person, he seems to have lost the plot somewhere).
[–] Hazzard@lemm.ee 1 points 3 months ago

I'm inclined to agree! That's awesome, adding that to my following immediately.

[–] Hazzard@lemm.ee 3 points 3 months ago (2 children)

Ooh, this is very interesting. I'm a sucker for emulator progress reports, just a fascinating intersection of programming, graphics, and gaming. My personal RSS feeds right now (which I'd love to add lemmy discussion to) are:

https://dolphin-emu.org/blog/feeds/ https://pcsx2.net/blog/rss.xml https://www.libretro.com/index.php/feed/ https://blog.ryujinx.org/rss/ https://xenia.jp/feed.xml

[–] Hazzard@lemm.ee 4 points 4 months ago

They did overhaul the controller mapping in this update, along with just about everything else, so it would be worth checking out. I really can't emphasize enough how massive this update is, it's like the emulator leaping from 2010 to 2024, they've been exceptionally active over the past 4 years.

Aren't there emulators for newer platforms out there now?

And of course. I assume you're referring to RPCS3 for PS3. PS4 is also in the early stages of being emulated, with simple games being playable.

[–] Hazzard@lemm.ee 2 points 4 months ago

Ugh, if only. Amazon has done everything in their power to bury and strip that number from the internet. Once upon a time that worked great.

[–] Hazzard@lemm.ee 36 points 4 months ago (9 children)

Storytime! Earlier this year, I had an Amazon package stolen. We had reason to be suspicious, so we immediately contacted the landlord and within six hours we had video footage of a woman biking up to the building, taking our packages, and hurriedly leaving.

So of course, I go to Amazon and try to report my package as stolen.... which traps me for a whole hour in a loop with Amazon's "chat support" AI, repeatedly insisting that I wait 48 hours "in case my package shows up". I cannot explain to this thing clearly enough that, no, it's not showing up, I literally have video evidence of it being stolen that I'm willing to send you. It literally cuts off the conversation once it gives its final "solution" and I have to restart the convo over and over.

Takes me hours to wrench a damn phone number out of the thing, and a human being actually understands me and sends me a refund within 5 minutes.

[–] Hazzard@lemm.ee 2 points 10 months ago

Ah, well that niceness was much shorter lived than expected. Oh well, my VPN will continue to block the ads anyway.

[–] Hazzard@lemm.ee 4 points 10 months ago (1 children)

I'd be very surprised if anything functional actually comes out of this. Far more likely they get scammed out of the money by garbage like the current "AI writing detection" methods, with terrible success rates that cause more societal problems than they solve.

[–] Hazzard@lemm.ee 9 points 10 months ago (3 children)

My two are Morrowind, where I loved the quest design and lack of handholding, but the random hit chance and BS difficulty distribution were just... too much to handle.

And also, KOTOR, which I expected to love as a huge Star Wars fan, but the "stand around while dice are rolled" combat was just... exceptionally boring and tedious.

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