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Joined 1 year ago
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Cake day: June 15th, 2023

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  • That is the downside, FZROX is only available to Fidelity customers. There’s also a potential risk it won’t track total market performance as well as predicted because one of the ways they keep the expense ratio at zero is by only purchasing what is supposed to be an equivalent subset of the total market to keep their transaction costs down. I don’t remember the specifics but I think they leave out lots of tiny companies and its not a significant risk because they couldn’t actually move the needle one way or the other.


  • If you have an account with Fidelity, FZROX should be a better choice than VTI. Unless you enjoy investing or want to really get into it, either do a target date fund for the easiest and lowest risk, or a total market fund like VTI, or an S&P500 fund like VOO. You really don’t need to overcomplicate beyond that, except to potentially start buying bonds when you are nearing retirement if you didn’t choose a target date fund.




  • I get cold easier and my clothes keep getting looser but that’s about it. I don’t count calories so I’m not sure when exactly I’m running a deficit or for how long but I have been steadily losing weight. I was a few pounds into the overweight range when I decided to start losing weight, now I’m down at least 14% from my peak and basically right in the middle of the healthy weight range for my height. About a year ago I started eating less, and started only eating until I didn’t feel hungry, and significantly reduced my alcohol intake. Its about the laziest diet possible because I still eat whatever whenever and still drink regularly but the net result is I’m running a calorie deficit often enough to lose a fair amount of weight. It doesn’t really feel like anything, or it feels about the same as running a calorie surplus. I imagine if I was running a larger or more sustained deficit it might be unpleasant and feel like starving but a minor irregular deficit isn’t something I really notice.







  • I only use it in English but I’ve found the results to be equal to or better than Google most of the time. I rarely end up checking things in Google after comparing the results for the first few weeks I first started using Kagi, the times I have recently Google has been just as bad (e.g. no results found, or nothing useful) or worse (e.g. a bunch of SEO crap and advertising and whatever other nonsense Google decides to spit up).

    My understanding is that the up or down rating pushes results from that domain up or down in your personalized search results for all searches, not just the current search. I flag down things occasionally because they are obvious shit or don’t interest me but haven’t used the feature much otherwise. I think it could be one of the reasons I find Kagi better than Google though, there’s so much crap that just doesn’t end up in my results now because I down ranked already. I’m not completely certain that is really how the feature works though, I’d encourage you to contact Kagi support for a definitive answer.




  • Yes, if friends. Unless they are repeating themselves, I’m going to be interested at least a little. Coworkers, no. I’ll be polite and sympathetic but if it is not related to work I am unlikely to be interested and will try to bring the conversation back to work topics or end the conversation as soon as I can without being rude. Randos, maybe but probably not. I’ve met lots of interesting people and am always kind of interested in hearing about the human experience from anyone who want to share theirs, but really I think I got too old or jaded for that. I avoid interacting with random strangers if its a choice now, and am always at least a little skeptical of whatever bullshit someone I don’t know has to say to me. I try not to be rude expressing my disinterest but I will be if it feels appropriate or necessary.