Are you going to be on the server later? If we get 8 people we can play 4v4.
True. This is just "freedom of association". Groups (like political parties) do not have to accept everyone regardless of how they behave.
17 years? That's not even old enough to drink!
Gavin Newsom is fine, but not nearly as good as Biden or even his predecessor as Governor of CA. Jerry Brown was a much better governor.
Gavin Newsom will do what voters want, but mainly because it makes him feel powerful. I remember seeing a new statue on Market Street in San Francisco when he was mayor; it had the artist's name in little tiny letters and "GAVIN NEWSOM" in big letters.
From the local news article:
https://www.nbcnewyork.com/news/local/woman-hit-in-face-banker-brooklyn-pride-park-slope/5498437/
“We heard him say ‘what a bunch of useful idiots,’” said Micah. “He got about halfway down the block and I turned around and I said, ‘What did you say?’
Don't ever ask someone "what did you say?" if you think they insulted you. You're literally asking to be insulted again and there's no upside.
Noah is a Babylonian "deluge myth". Judaism didn't even exist until 1,000 years later:
It tells of how Enki, speaking through a reed wall,[v] warns the hero Atra-Hasis ('extremely wise') of Enlil's plan to destroy mankind by flood, telling the hero to dismantle his house (perhaps to provide a construction site) and build a boat to escape
https://en.wikipedia.org/wiki/Atra-Hasis
The worship of Yahweh alone began at the earliest with prophet Elijah in the 9th century BCE
https://en.wikipedia.org/wiki/Yahwism
This means that originally the flood was caused by one god and mankind was saved by another. That's a better explanation than "God was angry but bipolar, so he saved one family and killed everyone else."
Used for Tik Tok content. Lol. Do people think things are funnier if a dude with a dumb expression is pointing to them?
The Constitution can't be changed that easily. There's no reason for the State of New York to give up the case, even if it were possible to do. And there's no way to compel it, considering the issue is NY State law.
That's not how Federalism works. The President is not a member of any state government, and has no immunity from state crimes. There's no way to move this case from state court to federal.
Klay is an ok defender, but you're comparing him to his elite 2-way self from 2016-2018. Of course he doesn't look as good, but he's fine. Just older.
Defense is mainly effort anyway. Since the Mavericks will have a third shooter on offense, that will preserve their effort for defense.
Now teams will have trouble covering three good shooters. I've seen it on the Warriors and it's tough to defend. It will make opponents work harder to defend them, leaving the other team with less energy for their offense.
This is the Ariana Grande clone who gives the concert in the movie:
Saleka made her acting debut in her father's film Trap (2024), for which she also wrote fourteen songs.
It's M Night Shyamalan's daughter. This movie is just trying to boost her image. Lol.
And it won't work. Taxis don't need to be disinfected every hour. They need a person to check them so no one leaves something sticky on the seat / floor that can't be seen by the camera.
Self-driving taxis are going to be as clean as the bus because people are going to break the rules. A camera is not good enough to actually see what is happening in the car.
Thrush understands the appeal of vouchers for parents who want a leg up for their kid. But, he told me, “we need to be looking at how we’re preparing all students to be successful, not just my student.”
This is a great example of how conservatives think. They are not inherently selfish; they think about how things benefit the larger group.
The difference is, they think of the world as a hierarchy with different groups at different levels. Anyone threatening that hierarchy is bad, so they defend it. When this man says "we’re preparing all students to be successful" he means white Christian students in his particular area. That's part of his group.
This woman is a piece of shit. Probably brainwashed, but still a piece of shit for using a baby like that.
You're obviously upset because you're a guy and you don't want to be excluded. Excluding Muslims doesn't affect you, because you're not Muslim.
You don't care about "violent crime". Your only real concern is not being in the out-group, because you really only care about hierarchy.
You can admit that you were destroyed by facts and logic. It's ok.
How does that address my point? The Y chromosome is the largest determining factor in violent crime, way more than any "ideology".
Per capita, men commit more violent crime than women. It's not even close. Do you support restrictions on men just based on their gender?
US gives Ukraine front-of-the-line privileges for air defense missiles
The Biden administration is moving Ukraine ahead of other countries that were slated to receive air defense missiles, the latest move in its effort to rush urgently needed weapons to Kyiv.
The U.S. will “reprioritize” deliveries of Patriots and National Advanced Surface-to-Air Missile Systems missiles planned for a select group of other countries so that the munitions coming off the production line will instead go to Ukraine, John Kirby, spokesperson for the National Security Council, announced Thursday.
What do you think about my idea to help renters buy their home?
I had an idea that would allow people to buy their own homes that they are currently renting:
- Every home gets appraised to determine what it would sell for. This is done by the county and is used for property taxes too.
- Every renter is allowed to buy a percentage of their primary residence from the owner. The owner has no choice in this. It's a requirement for being able to rent a property. Edit: Since people are confused about this, the renter is not required to buy anything. They have an option to buy.
- Renters can pay as little as $100 extra per month and the county puts their percentage ownership on the deed. If the home is sold, the renter can't be kicked out involuntarily. If they do leave, they get the percentage of home value they own.
Pros:
- This would avoid the issue of high interest rates hurting primary homeownership.
- This would blunt the impact of corporate landlords having a monopoly where they refuse to sell. They are forced to sell at a fair price.
- This would create a simple decision between owning their home and spending money on luxuries or eating out.
Cons:
- This would hurt small landlords who would have their property bought out from under them. This is actually a good thing because the benefits of rising property values are now shared.
- The implementation is hard. This is actually a good thing because bad landlords would sell property they didn't want to manage, lowering prices for renters who want to buy.
- It would cost the county money to hire appraisers. But this could be paid for by increased property taxes due to better appraisals.
- Property taxes would go up for landlords. But this would be good, as it encourages them to sell the property. This appraisal process and increased property taxes wouldn't affect people who just lived in their home without charging rent.
The president said his Republican rival “snapped” after his 2020 election loss and would now pose a greater threat to the U.S. in a second term.
> “Something snapped in this guy—for real—when he lost in 2020,” Biden said. “He can’t accept the fact that he lost, it’s literally driving him crazy.”
Donald Trump has suggested he's not worried about going to jail after being convicted on 34 felony counts in New York, but those close to him are reportedly undermining that claim.Tim O'Brien, who spent massive amounts of time with Trump before writing TrumpNation: The Art of Being the Donald, appe...
>"First of all, he's actually not comfortable with going to jail. That is just bravado." > >He said that he has "talked to Trump associates" who said Trump "doesn't want to serve time."
What policy or program would you pay more taxes to support?
You can't cut any taxes or programs to fund your idea. Nothing else in your government is going to change. It can't be a tax that you avoid somehow. The money comes from you and similar people in your situation. Don't try to get around it in some way.
What would you pay more taxes to support?
Portfolio simulator
>Suite of quantitative tools covers portfolio modeling and backtesting, Monte Carlo simulations, portfolio optimization, factor models, and tactical asset allocation models.
Try the Monte Carlo simulation to see how a portfolio may perform over the short or long term:
https://www.portfoliovisualizer.com/monte-carlo-simulation
Earnings for the S&P 500 are growing at their fastest rate since 2022 and analysts see that trend continuing into next quarter, setting up a positive backdrop for stocks.
>Net profit margins are pacing for 11.7% growth in the first quarter, above the five-year average of 11.5% growth and higher than the same period a year ago, per FactSet. > >Largely, this has been driven by cost-cutting, not rising revenues. In 2023, investors cheered Big Tech's cost-cutting efforts that led to significant earnings growth. In 2024, companies outside the tech sector have tapped a similar playbook, setting up the rest of the index for earnings growth through the rest of the year.
Berkshire Hathaway annual shareholders meeting
Warren Buffett took hours of questions from shareholders on Saturday for the first time since the passing of his right-hand man, Charlie Munger.
> Buffett, along with Berkshire vice chairs Greg Abel and Ajit Jain, took several hours of questions from shareholders.
> As for the company's growing pile of cash and Treasury holdings, Buffett said it is likely the value of these holdings will exceed $200 billion during the current quarter, noting he's "quite satisfied" with the position.
> Buffett has recommended most investors put most of their money in index funds that track the broader market. And that includes family.
Fed meeting recap: Powell pretty much rules out a hike as the central bank’s next move
The Federal Reserve kept the fed funds target rate at 5.25% to 5.5%. Chair Jerome Powell said it was unlikely the central bank's next move would be a hike.
>Federal Reserve Chair Jerome Powell said it was unlikely that the central bank’s next move will be a rate hike. The comment spurred a rally for the three major averages, with the Dow surging more than 500 points in its session high. Central bank policymakers kept rates steady at the conclusion of their May meeting, holding at a range of 5.25% to 5.5%.
(Bloomberg) -- Federal Reserve officials are poised to keep interest rates steady for a sixth consecutive meeting and signal no plans for cuts in the near future after higher-than-expected inflation.Most Read from BloombergHSBC CEO Quinn Unexpectedly Steps Down After Almost 5 YearsBinance and CZ’s F...
> The Federal Open Market Committee will hold the target range for its benchmark rate at 5.25% to 5.5% — a two-decade high first reached in July — at the conclusion of its two-day policy meeting Wednesday. The rate decision, and possibly an announcement on the pace of its balance-sheet reduction program, will be released at 2 p.m. in Washington. Chair Jerome Powell will hold a press conference 30 minutes later. > > Policymakers are reluctant to begin lowering borrowing costs until they’re certain inflation is closing in on 2%, the rate they see as appropriate for a healthy economy. While they had penciled in three 2024 rate cuts as recently as March, Powell is likely to indicate those plans are on hold and will depend on an improvement in inflation.
Treasury ETFs were first introduced in the early 2000s. They trade like stocks on major exchanges and hold a basket of different maturing U.S. Treasury securities.
You can benefit from high interest rates by investing in Treasury Bills using these ETFs. Shorter term Treasuries, like those in this one (https://finance.yahoo.com/quote/BIL), are around 5% now.
This is not financial advice. It is an opinion, on social media. Don't rely on it to be correct or applicable to your own situation. Please inform yourself and base your financial decisions on your own opinions.
Good website for investigating companies' financial statements (Morningstar)
Review quarterly and annual revenue, net income, and cash flow for Apple Inc (AAPL:XNAS) stock through the last fiscal year.
Click "expand detail view" for the details.
Good stock screener for analyzing individual companies (Finviz)
Try searching by "Forward P/E" for some decent deals.
Women do not see it that way, and that could matter this fall.
The House speaker threatened to call in the National Guard on Columbia protesters during a speech in the middle of campus.
Rent or Buy Calculator (NY Times)
The choice between buying a home and renting one is among the biggest financial decisions that many adults make.
This calculates the equivalent rent that a prospective home purchase represents. Basically, if you can rent a similar place for less than this amount, you should rent instead of buying and invest your down payment to pay for it.
Current mortgage and refinance interest rates
Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation.
Don't type in anything, just scroll down to the rates below.
Coast FIRE Calculator – Coasting to FI (Retirement Calculator)
Visualize and calculate how much you need to "coast" to Financial Independence by using the power of compound interest.
>Visualize and calculate how much you need to “coast” to Financial Independence > >Coast FIRE is when you have enough in your retirement accounts that without any additional contributions, your net worth will grow to support retirement at a traditional retirement age.
Satellite imagery analysis by BBC Verify reveals damage from Friday's Israeli strike on Iran
Looks like the missile hit a radar dish.
>Satellite imagery released over the past 24 hours has revealed evidence of probable damage at an Iranian air base following an Israeli strike in the early hours of Friday morning.
>Iran says the attack involved drones that were neutralised by air defences.
>An Umbra Space image captured after Friday's strike shows damage and debris around one component - probably a radar - which has also shifted position slightly. > >This assessment was confirmed by an optical satellite image captured by Planet which, despite low resolution, shows a scorch mark at the same location.
Tax Calculator for the US (Federal and State)
Calculate your federal, state and local taxes for the current filing year with our free income tax calculator. Enter your income and location to estimate your tax burden.
Check how much you can save on taxes by contributing to an IRA or 401K. State and local taxes too.