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Joined 1 year ago
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Cake day: June 27th, 2023

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  • According to levels.fyi, Microsoft grants about 50-100k (25 percent of their pay?) in stock for their senior engineers each year. Amazon is closer to 200k (which makes up about 50 percent of their pay)

    I guess you’re right in that it won’t really affect them, assuming the tax event occurs when the rsu gets vested and not at the sale.

    It’d be more likely to affect folks who are in a pre-ipo company, gain a bunch of stock, and then sell it post-ipo. I know several folks at AirBnB who this would have impacted and several at stripe who this probably will impact.









  • Yeah I remember getting calls for my student loans asking me to consolidate my federally backed loans and claiming I was going to save a bunch of money. In reality they were lowering my monthly payment but at a higher rate and with a longer term, which would have caused me to spend a significant amount more in the long term . Bunch of scams that should have never been legal. Looking at the source, it looks like consolidated loans for folks who owe more than when they started are covered as part of the forgiveness. Hopefully that goes through someday.

    The federally backed ones I remember having good to reasonable interest rates (looking at historicals they were pretty low most years) and being much lower than I could get anywhere else.

    I’d love to see higher education being affordable for everyone. (If not free)


  • Isn’t that how all loans work though? It’s just that the lenders insist I pay enough to cover the interest and some principal, otherwise I’ll never pay it off. If I made a payment for a car loan and it wasn’t enough to cover the interest, my principal would never go down (in fact it’d go up if I didn’t cover the interest). I can actually get an interest only home loan (or at least you used to be able to) but I think those are insane. The difference with car and house loans is if you miss enough payments they’ll come take whatever collateral you have. School loans are a bit different in that there’s no collateral for them to collect

    I’m not arguing that the situation isn’t fucked. It is. School is way too expensive for the value you get. People who haven’t been paying these loans for the last decade also probably owe way more than they originally took out and you can’t default on them… but the fact that they’re earning interest isn’t any different than any other loan.







  • At the time I was something of a fan boy for final fantasy, but ff9 was the first one I didn’t finish. I played through all the way to the beginning of the end… and then decided I didn’t care and that I was forcing myself to play a game I didn’t enjoy.

    I don’t remember having the technical issues you mentioned, but I just didn’t click with the characters and the world felt meh to me. I can’t recall a single song that I enjoyed from 9 either.

    X was probably the last FF I finished before the series lost its magic to me. (FFXIV was fun but a bit too costly)