Cool yeah I mean the only problem with morrowind itself is the polygon count and the weird randomized combat, but the game design changes if you change the combat, so it’d be nice to have a new game with those things better

What are these morrowind-likes of which you speak? The good ones.

Here I am having never beaten the base game XD

I literally don’t think that’s true. But whatever.

I mean you’ve certainly thought it through. It’s just that international bonds and stocks can not be expected to perform well under a US downturn, because the US basically props up the entire world economy, being the home of most international companies and the world reserve currency and the most in debt country on earth. When the US crashes, usually the rest of the world crashes even harder. Idk bonds don’t interest me at all nor do foreign stocks. 20 years is a long time to wait and I see no reason in the future to believe that bonds will go up, every reason to see them collapse further: regime change, debt default, etc. In this case zooming out is an example of historicist bias. The future is not like the past.

Where did you get a 4% money market? But again, inflation has been over 4% during Covid and ~3% since. Under Trump it could get worse if the USA falls out of world reserve currency status.

While it’s good to have money to spend on stocks in my 20s I invested every penny I earned into high yield etfs. It really paid off. This could be the drop you need. At the same time a rule that has always worked well for me is never keep cash. Cash only ever goes down in value. Bonds have never worked for me either, do you really want to invest in a government that has so much debt? They are going to default someday, or worse, and the performance of bonds has not been great in my lifetime. If you are going to keep cash, put it in CDs, but IMO you just keep transferring from high yield stocks in a good economy to low yield safe stocks in a bad economy. And gold in a dangerous economy. But never cash.

Tbh your situation is probably worse than being homeless. So consider how impossible it is to drop further, and use that as an opportunity to do something exceptional. I’d gladly live in my car or in a tent before I’d work two minimum wage jobs. At least then I could go to a library and read all day, develop a skill, or idk, become a monk, a survivalist, a revolutionary, a nomad, or whatever. Much better than being a slave.

What do stocks have to do with being conservative? Hate the game but you still gotta play.

Silver looks very chaotic to me ngl. I keep some in my vault just for cheaper exchanges, but not as an investment. Thought some say it’ll go up because of solar technology and AI. Idk

Hmm I see you’re right that VDC has a drop. It also had a drop in 2008. Maybe not.

Also we were speaking in terms of currency you can hold in your hand. I’d MUCH (can not emphasize this enough) have gold and silver in hand in my firesafe than USD or BTC. It’s currency not stock. Cash is literally worthless, I don’t keep much at all.

This is comedy gold

Well it’s a volatile asset, but over a lifetime it trends upward, just not as fast as stock. My question to you is, with the debt, with climate change, with AI, with fascism, how much do you trust currency and stocks over your lifetime?

I’m considering PHYS and VDC as a hedge today when markets open.

Stocks are ownership in assets. Much better than currency. Just make sure it’s a stable good.

Worthless. Buy gold.

Did you have something relevant to say about this post?

Got it, that was weird. Voyager wasn’t hiding read posts, but the settings on my account were.

That all seems right to me. The community has all languages set and I have English and undetermined.

Totally fair. As users of the AI they are responsible, just as much as if they used a book as a source.

It’s possible via government enforcement of ai safety standards, potentially even nationalization, but most importantly via workers refusing to implement unethical systems.

I’m confused about your installation argument. AI is preinstalled on the new Windows and Mac machines. AI operators will be as important for office work as GPT is for developer acceleration these days.

Well it’s a problem related to IT for us as IT workers. And in the end we wouldn’t have most of the benefits we receive in the USA and Europe without workers movements of the 20th century, like the weekend. But obviously worker unions should collaborate, like CWA joining code and journalists.

I live in the USA. A good AI researcher can easily make $400k in the states. But if you don’t like your salary, unionize.