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

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  • RAID is more likely to fail than a single disk. You have the chance of single-disk failure, multiplied by the number of disks, plus the chance of controller failure.

    RAID 1 and RAID 5 protect against that by sharing data across multiple disks, so you can re-create a failed drive, but failure of the controller may be unrecoverable, depending on availability of new, exact-same controller. With failure of 1 disk in RAID 1, you should be able to use the array ‘degraded,’ as long as your controller still works. Depending on how the controller works, that disk may or may not be recognizable to another system without the controller.

    RAID 1 disks are not just 2 copies of normal disks. Example: I use software RAID 1, and if I take one of the drives to another system, that system recognizes it as a RAID disk and creates a single-disk, degraded RAID array with it. I can mount the array, but if I try to mount the single disk directly, I get filesystem errors.




  • I really enjoy lying in a warm, comfortable bed, especially a little groggy from sleep. I’m happy to wake up an hour or so ahead of my alarm so I can have that experience. That said, if my mind is really racing with anticipation of the day’s concerns, it kind of wrecks the lie-in. I’ll get up an hour or two early, have an extra special breakfast, start chores or some other thing I didn’t think I had time for.






  • That’s not necessarily a bad strategy, either. Most people, their home is their major asset, but you can’t really access that value to buy groceries in retirement. Take money out on a new mortgage on the inflated value of the house, buy groceries and pay mortgage with that money, and move in with the kids when/if the money runs out. The bank will take the house in the end, but leaving nothing to the heirs may be better than spending your last years living in your kid’s basement. The whole ‘reverse mortgage’ industry has grown up around just that plan.


  • I used to pay a particular company by purchase order for this exact reason. CC takes 2-3% of the payment, but purchase order - they’ve got to get themselves into the company system, track the PO, invoice, track the payment…at the time, a common estimate was $50 to process a PO, and if you’re only buying $100 batches, that’s a big hit. Did not like that company, but they were the only place to get whatever it was I had to buy.





  • A target date fund on that horizon is going to be shifting its assets from stocks into bonds and TIPS, but is still going to have most of the volatility of VTSAX. If you’re comfortable with the possibility of having negative return over 5 years, then you might as well VTSAX. If you need for the savings to grow, then you probably want less stock exposure than a future target date fund.

    For reference, the historical 5-year return on US stocks is anywhere from +30% to -10%, annualized. Even over 10 years, you’ve got about 1-in-8 chance of losing money. I mean, the stock market is definitely the best way for most people to grow money over time, and the economy looks pretty good right now, but Time is definitely doing the heavy lifting, and almost no one ever forsees the event(s) that trigger crises. 5 years is pretty short term.