• 0 Posts
  • 8 Comments
Joined 2 years ago
cake
Cake day: June 22nd, 2024

help-circle



  • I have 6 for personal use, which makes accounting so much easier. I assign a budget at the beginning of the month and at any time I have a good overview of how much I spent for that duration.
    To illustrate, this is how I split my accounts:

    • personal expenses
    • household budget / groceries. This one’s a shared account with my GF
    • savings
    • credit card
    • rent / utilities. Pay in a fixed amount each month, slightly higher than average spending and then not get shafted when insurance or a high electricity bill is due.
    • work travel. This one is the exception. It’s empty unless I travel somewhere for work, then I top it up and at the end I copy and paste all my expenses from this account for travel reimbursement

    I spend less than 15 minutes each month on accounting and the only downside is that I have to set up several budgets and carry a round several cards to pay with. Once a year I go through the accounts and adjust budgets if necessary.



  • The growth (or in this case decline) is exponential. 1.08 is bad, 0.80 is terrifying. 1.08 is roughly half of the fertility needed for a stable population (about 2.1 children per woman). This means that per generation your population shrinks by half its size. 0.8 is another 25% lower. At an exponential rate these differences add up fast. The first one gives you (roughly) one child per 8 great grandparents. The other one needs 18. So over 3 generations the population shrinks by another factor of more than a half.


  • As always, to get approval for a drug, the potential side effects have to outweigh the benefits of the drug. From a purely logical and medical standpoint, there is no medical drawback for a man when the hormonal contraceptive fails and neither is there a medical benefit. If there are serious side effects, they have to outweigh the medical benefit and drawbacks, of which there are none, so that’s pretty hard.

    For women on the other hand, medically speaking pregnancy is a huge condition, sometimes dangerous, so there is a benefit and drawback if it doesn’t work and the drugs are approved despite having side effects.