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Joined 2 years ago
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Cake day: June 1st, 2023

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  • Finance-wise, have an emergency fund and well-diversified portfolio. This is not financial advice, and I’m not a professional, but this is what I’d do with retirement funds and personal stock accounts:

    Emergency fund: if you already have this handled, then look at your investments. If you dont have an emergency fund, do everything you can to save up at least 3-6months of living expenses - ideally in a high-yield savings account to protect your money from inflation.

    US stocks: Don’t be over-exposed to US stocks, especially riskier ones. Historically, bonds and foreign stocks have been recommended to balance your portfolio, but many people have ignored that in recent years due to the dominance of US large-cap stocks, especially the tech sector. Ensure you’re diversified in accordance with your risk tolerance/retirement time-horizon.

    Non-US Stocks: It would be good to have a non-US ETF or index fund with developing and emerging markets. It may not perform as well, but can potentially hedge against US market volatility. The counterpoint here is that US stocks are globally interconnected enough that getting non-US stocks would overexpose you to that part of the market. Caveat emptor, do research.

    Bonds: bond ETFs/funds, I-bonds (inflation protected securities, you can buy $10k per year), and automated bond ladders can give you steady returns. Remember buying bonds directly is fairly illiquid - your money will be stuck in the bond for the duration of the bond’s term.

    Cash: Inflation isn’t crazy right now. Probably wouldn’t be bad to have more cash than normal sitting in high-yield accounts (earning around 4% APY right now) since the market is likely to dip. Maybe consider liquidating some investments that are riskier than you’d like. I wouldn’t really advocate trying to time the market, but also it doesn’t seem like a bad time to be a little heavier on cash imo.

    Check out Boglehead 3 fund portfolios and their variations. Imo it is time to be safe and boring. If you have a long time until retirement, don’t panic - ride it out and consider rebalancing your portfolio to the standard, oft-recommended asset mixes. If your retirement timeline is short, make sure that you aren’t over-exposed to risky investments like stocks.




  • Explaining chinese memes to help me learn chinese:

    我的父母

    Wŏ de fùmŭ

    My parents

    你以后不生孩子,

    Nî yîhòu bù shēng háizi

    (You later not birth kids) - the characters in yîhòu literally mean “at [later time/future/after]”

    等你老了

    Děng nî lăo le

    (When you old) - le indicates that an action has completed, so this means “when you get/are/have become old”

    谁照顾你?

    shéi zhàogu nî?

    (Who [take care/attend to/look after] you?) - zhàogu has several meanings including to “take into consideration” and also to take care of.




  • Nintendo is a “family friendly” brand before all else and really only cares about the experience of children playing their games and adults buying their games for children to play. They count on their core IPs to draw in those kids as adults, but don’t put much effort in catering to an adult audience. They put more effort in with the Switch (game store with more adult oriented games), but still minimal effort - their original properties are family friendly.

    They see other people using their IP as diluting their brand value rather than promoting it. They think their characters are what makes people nostalgic for their games and drives brand value. So they want you to only be able to see your “favorite Nintendo characters” from Nintendo official sources and have complete control over that experience.

    I think they’re wrong about most of that. The characters are, for the most part, pretty generic and simple. What people like about Nintendo is that the games are accessible, they played when they were kids, and they were often introduced to those games by parents or older siblings. There’s a social context to Nintendo games that is unique and nostalgic. They’re often some of the first games you play as a kid, and they’re the first games you think of when you want to introduce your own kids/nieces & nephews, etc. to gaming. I don’t think that unofficial Super Smash Bros tournaments or Gary’s Mod having fan-made Mario models in it dilutes that in the slightest but Nintendo does drive away adults who are the primary drivers of the Nintendo brand’s popularity (as they are the purchasers). Once it’s these young adults’ turn to share Nintendo games with the next generation, I think Nintendo’s litigiousness will hurt them because it will have driven many of these people away.