The ticket in the picture has 5 plays which means it's at least $10, $15 with powerplay or double play, or $20 with both. If the ticket in the picture isn't what we're getting then it can range from the $2 single play ticket to an $800 ticket with 20 plays at $4/play ($2 + $1powerplay + $1double play) for 10 draws (at least that's what I could get here in Iowa, the max amount of draws on a ticket is per-state).
Congrats! Some unsolicited money advice I wish I had known earlier in my career:
If you have a mortgage and the interest rate is less than 7ish percent and you're wanting to pay it early, something to consider:
You might put whatever extra you were planning into a Roth IRA until it's maxed and also max out your 401k if your employment has that. Historical yield is 7ish% and compound interest will help you immensely 20-30 years down the line.
Paying off the house early is nice feeling but you can possibly refinance for lower rates later if it's currently similar to or higher than historical investment yields. You could also do a little bit of both but prioritizing retirement accounts is the smarter move imo. So if your mortgage rate is 5% and you want to pay that down, you're leaving 2% on the table by not putting it into either an IRA or an index fund instead.
This is assuming you're not carrying other debts at higher rates like credit cards, those should be your priority. Next would be 3 months of all bills saved up, you can find some decent interest rates on savings accounts. I have Acorns and it's at 5% so the 3 months reserves will stack interest for you too.
I forget what my mortgage rate is but I think it's somewhere between 5.8-6.8%. I'll have to look it up.
My wanting to eventually pay the mortgage off earlier is to dramatically decrease my monthly bills and make it easier to save and easier to put money in my pocket each month. I'm not really keen on dumping all of my money into something like an IRA. I discovered recently that high yield savings accounts are a thing and I'm much more comfortable with that. Granted, mine is only like 4.3%.
While I do need to put more into retirement and do plan to contribute more to my 401k, I don't really want to go ham over putting every penny I have into retirement. Life is uncertain and you really don't know how long you'll live, even if you try your best to do a healthy life. It's all about balance between enjoying the now and planning for the future, and not putting too much emphasis on one or the other. You don't want to live like you're homeless only to die in a car accident and never get to enjoy what you've worked for.
Absolutely! I grapple with that all the time. I love having fun and traveling and having cool stuff. It's fun having some money you're not afraid to spend.
You deserve it, you're the one who got yourself to where you're at. At the end of the day do what's right for you, just maybe spend a little bit less over the years and instead put it toward the end game.
As time goes on, sitting on ass collecting interest and being able to live off that interest comfortably will be awesome, and if you were able to live it up the whole time is priceless. Treat your now self and future self, but future self likely won't regret now self traveling etc. (so long as you're not doing illegal tax evasion and damaging your body long term lol)
Congrats! The trick is to not increase your spending, and take the excess and either save it or invest it. Remember: just because you can afford it, does not mean you need it. :)
There’s a concept that we studied in literature in University about never truly being able to go home again after you grow up. We were reading an Alice Munro short story collection but Tom Wolfe famously wrote about the topic.
You can't go back home to your family, back home to your childhood ... back home to a young man's dreams of glory and of fame ... back home to places in the country, back home to the old forms and systems of things which once seemed everlasting, but which are changing all the time – back home to the escapes of Time and Memory.
It might get better later on, once you accept that the world has moved on, your old room is now an office, your parents are becoming old people, and time is passing. At some point you start getting nostalgic about the things that remained the same in a different way - or at least I did. But Wolfe is still right - it's not home any more.
While the article's author seems to mostly complain about changes, I personally experienced the opposite. After years the town had barely changed at all, which felt very strange and worse the people that stuck around, but aged, had become what I perceived as distorted shadows of what I remembered with very little personal growth apparent.
In my 40s I went back to my home town, not having lived there since I was 18 (none of my family still lived there). First shop I went into the woman said, "Hi MrsDoyle, how's your mum?" In the bank, the teller clocked my name and said, "Aww, I used to babysit you!" I got a big hit of the claustrophobia that drove me away in the first place.
If you’re desperate enough to ask for home remedies on the internet, then you’re desperate enough to see an actual doctor. This issue might be more complicated than it seems.
Maybe an unpopular opinion, but I think I prefer the jokes over what I've experienced on Lemmy. So far a lot of it has been smartasses that seeming only care about broadcasting their opinion with little to no interest in actual discussion. Kind of like Twitter actually
Mentioned it elsewhere, but Mastodon continues to be one of the best social media experiences I have ever had (look, it isn't as low of a bar as you would expect but still...). Something about the nature of Mastodon means people actually talk to each other and try to elaborate on talking points. My theory is it is because basically everyone on there knows it will never be "the new twitter" and are instead focused on being what twitter should have been.
Whereas lemmy... Lemmy is like going on a date with someone who just got out of a long term relationship. They can't stop telling stories about when they were with their ex or comparing you to them. And... when you head back to their place after drinks they keep joking about whether they can film themselves giving you a blowy and sending it to their ex to show just how over him they are.
Combine that with a much more lax policy toward piracy and a LOT of "I just learned what linux is and anyone who doesn't use it is a sheeple" college kids and... yeah. Plus, I have definitely gotten the vibe that a few people want to become one of the big "personalities" of the platform.
Honorable mention to Cohost. I think people have really done a good job of making it feel like something special. But it also feels like everyone isn't sure how horny/weird they should go on nu-tumblr.
I have noticed a much stronger contingent of Tumblr vibes. I wish I got more humor, but instead I get this gestures broadly.
It's the brooding sensitive types that crumble under humor or criticism that I see most. Maybe I'm the antagonist of this story but I feel like I've made more people cry on lemmy than I've made laugh or change minds, and I'm not the even the mean reddit type.
Given we know the idiot that changed the name, I'd say it's more likely a coincidence than anything that would require some level of intelligence to come up with.
From an IT perspective, blockchain technology is a solution in search of a problem.
From an environmental perspective, crypto is a disaster.
From an economical perspective it's too unstable to be anything but gambling.
Buying drugs over the internet is the only real reason crypto currencies can be useful. Hell even in person it's better to use cash.
Maybe that's the only use case but it is fucking good at it. Amazingly good
Besides cash could be removed by govs to 'protect us'
And obviously cash cannot be used over distance
Cryptography gives power to the people. US even wanted cryptography banned at some point but it turned out not feasible so they pretended they changed mind
Lemmy is another thing that gives me hope in the future
Aliens are going to strip mine earth, but to give the illusion of fairness those who survive the initial collection are given a choice, live on the surface knocked effectively back to the stone age or enter into an 18 floor dungeon that is effectively the galaxies largest game show.
The game is serious, the deaths are real and grusome. In the interest of fairness theres an AI controlling the game and the crawlers can change race, choose classes, level and gather loot and power as the dungeon goes on, but the game is rigged. Nobody has ever survived beyond the 13th floor.
This season with infighting between the alien governments, the AI slowly going a little batshit insane and one particularly determined crawler and his (now sapient) ex girlfriends cat. Who knows?
Does anyone have recommendations on how to block ads on Android without rooting? I've tried AdAway but it doesn't seem to be terribly effective. I'm pretty tied into Chrome and would prefer not to change browsers but I understand I might have to.
Try adguard. Its a system wide blocker(blocks ads in most apps too) and needs no root. Its paid. For free you can use blockada version 5. Get it on fdroid.
Or just use adguard dns.
Firefox with uBlock origin, setting your DNS to "DNS.adguard.com", and using ReVanced with MicroG for YouTube has worked best for me on a non-rooted phone.
Because people aren’t pouring 30-40 grams of sugar into their coffee. Also artificial sweeteners taste like shit and haven’t been proven to not cause other health issues.
[Outdated, please look at pinned post] Casual Conversation
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