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Joined 1 year ago
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Cake day: June 2nd, 2023

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  • The best description I have seen for single store franchisees is, you’ve paid a lot to give yourself a job. They are not lucrative, and in fact, are capital intensive, and often predatory.

    There is a very high up front cost, and you generally do not own the real estate. This means you are locked into 30 year leases, often with complicated terms that are solely beneficial to the land owner.

    Next, with regards to liquidity, if you don’t own the real estate, you often can’t get multiple business loans with a single franchise, so you must secure the loan with your personal assets, which means you will go personally bankrupt if you hit a rough patch.

    Then, after dealing with the complicated business to business transactions and legal work, you still have to deal with the corporate bullshit, taxes, and supervisory duties, particularly if you do not already have a strong business partner to do this for you.

    Pretty much, unless you are independently wealthy, own the real estate in a high traffic location, or already have multiple other franchises, it’s a losing venture that will kill your soul and eat every dollar you have.



  • Trade deficit has been known to economists as a farce for decades, so no, they are not the only source of growth.

    Most GDP of first world countries comes from services, not goods, which are not accounted for in “exports”.

    Once again, if a clickbait title asks a question, the answer is “No”. Otherwise, the title would be the much stronger affirmative statement, e.g., “Exports are the only source of growth for countries”.



  • NB: Alignments are not factions. Two Chaotic aligned characters are not inherently on the same side; they are on their own sides, individually.

    Here are two potential ways to play it.

    If your Fey is Chaotic Neutral:

    You find the two clerics dragging your resident murder hobo in front of a tribunal hilarious, and in fact, might be inclined to help. It would be different if they attempted the same for you; in your mind, the action would be justified if you did it, but for the supposed “good” rogue, they still just killed someone out of convenience. You are allowed to be a hypocrite, they are not.

    If you are Chaotic Good:

    That rogue still straight up ganked a guy for being an asshole. Even if you think the guy probably deserved it, and maybe could have talked yourself into doing the same, it has nonetheless created a situation where you are inconvenienced. They screwed up big time, and not even that deep down, they know they’ve got a black mark on their soul, but that’s neither your nor the clerics’ problem. The last thing you want to hear are more verbose, moral arguments from the clerics and to be sidetracked from the mission; the rogue can atone later, this nonsense is getting between you and getting paid.


  • Are you and the rogue chaotic good, or chaotic neutral? It doesn’t seem like you’re clear on this with the rest of your party. Murder (e.g., backstab in the middle of dialogue) is not a “good” action, any way you slice it, even if the spectator is an asshole, evil, or through RP, would have eventually led to combat resulting in death anyways. If you were playing true chaotic, it’s understandable, but it doesn’t sound like that is what was made clear.

    And if you’re trying to force an alignment shift, consider that you may be ruining the enjoyment of everyone else at the table; if I’m playing a lawful good cleric, I’m not sure my character would party with a true chaotic fey, which would essentially end the campaign.



  • To be pedantic, the revenue they’re generating in their current vehicle doesn’t cover the operating costs for a flight, plus the costs of their existing tech debt.

    Presumably this is the primary reason for upping to six passenger seats— maintaining roughly the same operational costs while increasing revenue by 50%, all while tactically lowering refurbishment costs due to design improvements in the delta vehicle.

    If they didn’t have a viable path to profitability, their share price would have already completely collapsed. As of now, while the current price is pessimistic due to the massive delays, FAA and NTSB investigations, and overall concerns with safety culture in the broader aerospace market, they at least have a plan to achieve profitability within the next three years.



  • Compound interest is magic. If you have any excess income to spare, max out your 401k.

    Assuming a 7% average rate of return, if you contribute the maximum amount (using 20k for easy math), you will conservatively reach $1M in 22 years, and the real magic number of $2M in just over 30.

    The sooner you start emphasizing saving, the sooner that clock starts ticking down. So if you’re able to start by 30, you have a shot at a high quality of life in retirement at 60, regardless of the continued existence of social security.

    Unfortunately, most of the country can’t, and most are not even achieving the full company match (assuming they even offer one, usually something like 50 cents to the dollar for up to 6% of your salary, or 3600/year on average). At the average income and rate, one would only have $350k after that same 30 years, or $700k if fully vested with your company match.

    For most people, this will not be enough to retire.