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Joined 3 years ago
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Cake day: June 22nd, 2023

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  • masterspace@lemmy.catocats@lemmy.worldDo I have to?
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    2 days ago

    For real. Two philosophies that really helped me were:

    1. be like water / judo it. If you’re hot and cold, either kind of manic or just want to sit around, then don’t try and fight that and be perfectly clean every day, just lean into your mania more and use that to not just clean / tidy, but to make some small improvement so that it’s easier to clean / tidy next time.

    2. A place for everything, and everything in its place. Specifically tackling your point 5, but everything you own needs a dedicated place for it. The instant you buy anything, you should be thinking about where it’s going to be stored. Once everything has a clear and defined place to go back to it’s much easier to clean.

    Also, this whole video: https://youtu.be/ncZ1mO8mA44




  • Don’t just leave money in your chequing / savings account.

    If inflation / COL is increasing by 3% year over year, and your savings account is giving you 2.5% interest, you are losing money every minute it sits in there.

    Any substantial amount of money should be moved to an investment account of some kind. You want to keep an emergency fund relatively liquid and easy to access, but that can still be an investment account earning more interest on average.

    In Canada for instance, there are 3 main government programs for savings:

    • TFSA (Tax Free Savings Account) - Can be spent on anything, you put post-tax money in, but any money you make from the account is not taxed. This is the easiest and most flexible, and you can usually withdraw TFSA money in a day or two.
    • RRSP (Registered Retirement Savings Program) - You put pre tax money into, and you don’t get taxed on what it earns. More lucrative than a TFSA because you can effectively reduce the amount of income tax you pay by instead putting money into and RRSP, but you can basically only spend it on retirement or to help with buying your own home.
    • FHSA (First Home Savings Account) - Like an RRSP (pre-tax money goes in, and profits aren’t taxed), but can only be spent on your first home.

    Any substantial amount of money you have should basically always be in one of these 3 vehicles if you’re in Canada (or an education fund if you have kids).





  • Yeah, people don’t seem to realize that their technical solutions don’t matter.

    Tracking and privacy is a problem that can only be solved through legislation and legal means. Big companies have more resources and can work around any technical hurdle you throw up.

    Like they don’t even have to work around them technically… Oh you like the encrypted messenger? It would be a shame if they were able to make it useless by convincing everyone to just use their DM system leaving no one on your encrypted messaging network to talk to, wouldn’t it?


  • Or you know, the government could just match Chinese industry subsidies so they’re competing on level playing fields.

    China’s government is using government power to invest in critical and necessary industries that benefits everyone, like renewables and EVs, driving down their costs.

    The US instead spends it’s money investing in fossil fuel companies, and letting billionaires hoard it, and then complains when Chinese EVs are cheaper. You’re the richest fucking country in the world. Stop fucking whining and start using your wealth to produce competitive EVs. It’s not that fucking complicated.







  • The problem is that it specifies both a purpose

    • To promote the Progress of Science and useful Arts

    and a mechanism by which to do so

    • by securing for limited Times to Authors and Inventors the exclusive Right to their respective Writings and Discoveries.

    The purpose is great, the mechanism is dogshit in the 21st century, as it just lazily crams information into capitalism rather than adapting capitalism to the realities of information.

    The problem is that capitalism is a system entirely based around things that are scarce, and it only functions in that context. Air for instance is completely free and valueless, even though it’s wildly critical, just because it is abundant. In capitalism things don’t have value when they are useful or needed, just when they are scarce.

    That works fine-ish when you mostly deal in physical goods, because the way that energy and mass scale means that they are somewhat inherently scarce, it takes just as much mass/energy to make a second copy as the first. Information blows this apart though, starting with the written word, escalating with the printing press, and being oblitered in the digital connected age, as information does not scale like energy / mass and as a result it has become trivial to infinitely copy and distribute information, making it abundant the moment it’s digitized.

    So now you have the Constitution enshrining mechanisms that enforce scarcity where there is absolutely no need for scarcity.