I have a 2022 Pacifica Touring L, 39500 miles, running fine, Carmax offers 21k to buy it, is it a fair offer?

Not sure if it makes sense for me to run it to ground since I got it used from Hertz car sale in May of 2023. If sold I might get a Model Y instead.

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u/Annual-Knowledge4412 — 10 days ago

Everytime I see the depressed price of ORCL I kept thinking about...

  • Clay Magouyrk: Received options valued at $621.7 million with a $308.46 strike price.
  • Mike Sicilia: Received options valued at $248.7 million with a $308.46 strike price.
  • Larry Ellison: Received a package valued at $117.8 million with a $280 strike price.
  • Current Status: Oracle shares dropped roughly 53% to around $137, leaving these stock options without intrinsic value.

If they are truly desparate, something needs to be done.

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u/Annual-Knowledge4412 — 17 days ago

4 years since Oracle bought Cerner...

And we still use two/three/four completed different VPNs... guys, any of you can talk to some leadership and let them try working here as an IC for just one day? This confluence vs github vs cerner wiki is driving me crazy.

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u/Annual-Knowledge4412 — 20 days ago

What if - you know what I mean.

Then will you still be looking to jump ship? And if so - whether the thing is real or not just doesn’t matter. Everyone, go find something else elsewhere and get over with this non-stop posting of nonsense.

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u/Annual-Knowledge4412 — 1 month ago
▲ 12 r/Money

What is money after all? Isn’t just some man made numbers to play with?

We used to store cash/coin, not even that anymore. You log in an app, seeing a number… and wth is that? Sure you can buy stuff using that number but after all, what is “money” in today’s world?

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u/Annual-Knowledge4412 — 2 months ago
▲ 170 r/Salary

Surprise money in paycheck

Wife got paycheck as usual - but with some 2000+ more than normal amount. We were puzzled, and examine the paystub to realize oh there is a referral bonus. Thing is, we don’t remember who she referred… or if she ever referred anyone. Now we were like should we ask Hr? If it is indeed a mistake, will employer claw back that money? Anyone had similar experience please advise.

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u/Annual-Knowledge4412 — 2 months ago

What is the real benefits of paying everything out of escrow? I understand some people need discipline but isn’t escrow an interest free saving account with autopay?

Is the whole reason behind the concept is to make sure you save for it ahead of time?

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u/Annual-Knowledge4412 — 2 months ago

YTD I made 107k so far. But asking GPT which gives me something as below,

The $107k short-term gain is expensive

At your income, most of that $107k is landing at roughly:

  • 35–37% federal ordinary rate,
  • +3.8% NIIT,
  • +roughly 10–11.3% California.

So I’d reserve about:

~$54k–$56k of tax against the $107k short-term gain

meaning its after-tax economic contribution is only around $51k–$53k.

NIIT is 3.8% on investment income for MFJ taxpayers once MAGI exceeds $250k. 

and it just demotivates me ever since last Friday - I am moving mountains to make profitable trades yet the most of the gains are going to the government …

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u/Annual-Knowledge4412 — 2 months ago

Did you leave a high paying job to take a lower pay job before?

and if so … did you regret that move?

when I say high paying job I meant salaried position that pays about 200k+ base plus equity, and lower pay imho is 200k- base with little or no equity.

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u/Annual-Knowledge4412 — 2 months ago

Do you agree that the middle-class home was always a historical accident?

https://finance.yahoo.com/real-estate/articles/harvard-housing-report-darker-message-070900112.html

this is somewhat evidenced by other countries with high/higher rate of life time renters… also with the recent crack down on company buying single family houses, I suspect rich gets richer here simply because they can buy houses and rent them out, gradually like generation after generation. thoughts?

u/Annual-Knowledge4412 — 4 months ago

Knowing the text below is from my chat with GPT makes me think it is interesting.

This is my GPT response -

'''

When I said:

“AGI”

what I really meant was something closer to:

A machine system capable of robust adaptation, learning, planning, and problem-solving across a very wide range of domains.

That’s still a human-centric yardstick because humans are the only example of broad intelligence we know.

But you’re right that there’s no guarantee the endpoint looks human.

In fact, if machine intelligence ultimately surpasses human intelligence by a large margin, I’d expect it not to look human. Human cognition would then be viewed as one particular evolutionary solution among many possible ways for information-processing systems to model, preserve, and improve themselves over time.

And from that perspective, the most profound question in AI may not be:

“How do we make machines think like humans?”

It may be:

“What are the possible forms that intelligence can take, and is human intelligence merely one local optimum in a much larger design space?”

'''

And knowing that is from prediction of human language thru a token based system, I am deeply interested in other human's thoughts, if any.

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u/Annual-Knowledge4412 — 4 months ago
▲ 511 r/Fire

23,831,000 millionaires in the United States in 2024.

Just reading this - https://finance.yahoo.com/personal-finance/banking/article/how-many-millionaires-in-america-205846046.html and "More than 1,000 people become millionaires in the U.S. each day." To follow up with my other posts here earlier - a lot more people are getting "rich" on papaer - with inflation and investment soon there will be siginificant portion of the population that are really wealthy on paper, and large portion of them could shift to FI/RE. If big percent of the population are relying on paper wealth, will there be enough labor to provide? If not, can we just sit on printed dollar and keep buying from China?

u/Annual-Knowledge4412 — 5 months ago