Unemployment california rate calculator
Lawn Care
2010.08.03 16:38 kanez Lawn Care
Lawn care guides, pictures, and discussions.
2024.05.20 01:50 Wmjonny13 Help with my PCs side hustle
Usually my brother is our DM but to give him some re coup time and the ability to play some with us I am running an small campaign within our world. This allows him to create and have a character in universe that can join the party when it so happens to work out. This leave my PC (halfling bard) some time to do what he wishes. My current desire is to have him learn item imbuing. On a recent adventure our party found some pretty nice chalices ( high class metal with gemstone inlays). I want my PC to attempt to imbue them with 2nd level healing word. My reference material so far has been "Crafting & Imbuing Lite - GM Binder" & " Crafting Magic Item - A guide to Artifice". They have been helpful in understanding what I should have in my calculations but im a bit overwhelmed on exactly how to break it down for my brother. He will likely accept whatever I tell him within reason so i want to be honest about it. Plus if this is a real skill my PC has taken the time to hone it could come in handy later in line.
Currently i have the following variables laid out to assign some values to to help me reach an end point: Total Value Imbuing Value Consumed Materials Imbuing Checks Imbuing Successes Imbuing Rate Research Check Research DC Total Cost Per Workweek successes Magical Foci needed
This is probably more complicated than it needs to be so im just looking for some direction to make it as simple for me both now and down the road as possible. TIA
submitted by Wmjonny13 to DnD [link] [comments]
Currently i have the following variables laid out to assign some values to to help me reach an end point: Total Value Imbuing Value Consumed Materials Imbuing Checks Imbuing Successes Imbuing Rate Research Check Research DC Total Cost Per Workweek successes Magical Foci needed
This is probably more complicated than it needs to be so im just looking for some direction to make it as simple for me both now and down the road as possible. TIA
2024.05.20 01:23 Aromatic-Grocery69 Shipping from Norway??
Trying to get in contact with anyone that can help me with creating a listing.
Im trying to start selling antiques on ebay, from Norway. Im having issues creating the listing, and the browser say the issue is: "Shipping cost cannot be calculated since the item location is different from the site. Use flat rate shipping."
How do i change the location in question? Im located in Norway, and using the .com site.
submitted by Aromatic-Grocery69 to Ebay [link] [comments]
Im trying to start selling antiques on ebay, from Norway. Im having issues creating the listing, and the browser say the issue is: "Shipping cost cannot be calculated since the item location is different from the site. Use flat rate shipping."
How do i change the location in question? Im located in Norway, and using the .com site.
2024.05.20 01:02 DatFr3sh 401k withdrawal
It’s a long one bare with me
I have multiple 401k accounts that I have yet to consolidate . Acct 1 -32,000 ( former employer ) Acct 2- 12,000 ( former employer & rolling over to acct 3 Acct 3- 12,000( current employer balance obtained in 8 months. 9% employer match )
I refinance my student loans (60k) to lower my rate to 4.25% for 60mo . Paid off 20k in one shot & monthly is 1k. I can make the payments with ease but to what the current economy I cannot afford to save . My current loan balance is 34k
I would like to withdraw account 1. But I’m trying to figure out the best situation to minimize the taxes/ penalties. How are they calculated as for federal & state(NYC RESIDENT). I am 85% set in withdrawing account 1 to eliminate my student loan bill. Me doing this will allow me to save cash and increase my 401k input at my current employer .
I am a 30yo male in nyc annual income is roughly 85k -100k give or take overtime.
I am open to suggestions to best help my situation.
submitted by DatFr3sh to Retirement401k [link] [comments]
I have multiple 401k accounts that I have yet to consolidate . Acct 1 -32,000 ( former employer ) Acct 2- 12,000 ( former employer & rolling over to acct 3 Acct 3- 12,000( current employer balance obtained in 8 months. 9% employer match )
I refinance my student loans (60k) to lower my rate to 4.25% for 60mo . Paid off 20k in one shot & monthly is 1k. I can make the payments with ease but to what the current economy I cannot afford to save . My current loan balance is 34k
I would like to withdraw account 1. But I’m trying to figure out the best situation to minimize the taxes/ penalties. How are they calculated as for federal & state(NYC RESIDENT). I am 85% set in withdrawing account 1 to eliminate my student loan bill. Me doing this will allow me to save cash and increase my 401k input at my current employer .
I am a 30yo male in nyc annual income is roughly 85k -100k give or take overtime.
I am open to suggestions to best help my situation.
2024.05.20 00:58 KGBree Pulled the Trigger
 | I am and have been for years a loyal Toyota/Lexus driver. I’ve had my 2016 RC350 F-sport for 8 years now; bought it new, fully loaded and at a great price point because it was the outbound model year and was collecting dust at a Southern California dealer despite (I can only assume due to the odo sitting around 250 miles when I drove it off the lot) being test driven at least a dozen times. No regrets, it was a really fun drive and now has been paid off around a year. submitted by KGBree to 4Runner [link] [comments] The thing is, when I bought it I lived in San Diego county, had for years, and had no intention to relocate. The fact that it’s a RWD vehicle was not even a consideration until I relocated to the PNW and experienced my first winter driving it in the snow. It can be assumed how that went. Flash forward 5 years and although the fairly mild winters in Seattle and the short lived snow season allowed me to hold onto the RC maybe longer than I should have, my husband and I relocated last October to Nebraska and it became clear very quickly that keeping the car would mean I was essentially without a functional vehicle for large parts of the winter months. So I’ve been passively cruising the market and wavering back and forth between trading the RC in for a GX, an AWD IS, a 4Runner or really anything else that would keep me mobile when it snowed more than 1/8”. Well, this past week I decided to get serious. I originally honed in on a 2024 TRD pro that was in transit to my local dealer but was immediately shot down by the sales guy who said yeah, it’s not even on the lot yet… but it’s sold. I’m like ok so can I order one just like it? No. We have the slime green one though! No thanks. So then he says well, the couple buying the one you’re interested in is trading in their ‘23 TRD pro. It’s black though. You interested? I was like ok sure I’ll come look. Internally I was skeptical honestly because I didn’t want a black vehicle. They can be difficult to keep looking clean and seem to not wear even minor scratches well. BUT!!! I showed up on the lot yesterday probably within an hour of the ink drying on the previous owner’s trade deal. I unexpectedly absolutely loved it. Took it for a quick drive and it’s tons of fun. Handles way more responsively than I expected and the much MUCH roomier interior than the RC was even more of a welcome change than I thought it’d be. Although the dealer was pretty firm on the price point (which was not significantly lower than the 2024), they were able to come up a couple thousand on the trade and the handful of mods that the owners had made I felt made the net deal worth it so I went for it. I got a surprisingly decent interest rate on the financed amount (decent for someone with my credit rating) making the payments more than manageable and less of a sting than they could have been coming fresh off the payment-free high of paying the RC off after 7 years. I spent about 90 minutes after getting home obsessing over what my first mods will be before ultimately deciding the only thing I absolutely need right away is tint to help manage the hot summer months in a black on black vehicle. I’m going to just settle into it for a while and figure out how often I’ll actually be taking it off the pavement and what I want or need after owning it through the first winter season before I start dumping money into it. Anyway thanks for reading I really just wanted to share how happy I am with what I drove off the lot and how excited I am to start playing around with it while the weather is good! |
2024.05.20 00:49 allawkward_questions All the advice on burnout sucks
I got burned out as a caregiver, having my agency switch me around between violent clients and palliative care. I wound up driving my car into traffic right before covid after getting assaulted on shift the day after I had held a clients hand while they died.
During covid, I had been recovering from a shattered pelvis and TBI for too long to collect unemployment and the only job I could find was working at a junkie hotel, which I ditched as soon as better jobs started opening up.
I spent the last couple years running a machine, but then last year I had four family members die, and I developed panic attacks that are sending my heart rate over 190.
All the advice I've seen has been telling me to take time off work and rest, but my landlord still wants money for rent, and I've got so much medical debt to pay off.
Does anybody have any real advice on how I can recover without giving up overtime? I simply can't afford to work only 40 hours, and I'd rather die than be homeless.
submitted by allawkward_questions to productivity [link] [comments]
During covid, I had been recovering from a shattered pelvis and TBI for too long to collect unemployment and the only job I could find was working at a junkie hotel, which I ditched as soon as better jobs started opening up.
I spent the last couple years running a machine, but then last year I had four family members die, and I developed panic attacks that are sending my heart rate over 190.
All the advice I've seen has been telling me to take time off work and rest, but my landlord still wants money for rent, and I've got so much medical debt to pay off.
Does anybody have any real advice on how I can recover without giving up overtime? I simply can't afford to work only 40 hours, and I'd rather die than be homeless.
2024.05.20 00:44 Electronic_Crazy8122 framebuffer read/write timing and rtl logic
I need to access and "do stuff" to the pixels in each from of video coming from HDMI RX then pass the resulting pixels/frames back through to HDMI TX.
I currently have the most basic setup working: HDMI RX > HDMI PHY > HDMI TX ip cores from xilinx. I can see that there's an "AXI Stream Video" interface that gives the raw pixels as TDATA in RGB888 format, and I can do simple things like grayscale conversion or other things to the pixels that don't add a lot of latency, and pass the TDATA resultant back to the HDMI TX (via test pattern generator pass-through which supposedly helps clean up timing).
But what if i want to do something that takes significant amount of time, at a slower clock rate? first i was thinking that's just two axi stream FIFOs (one to convert from ~300MHz axi stream video clock to some slower clock with appropriate fifo depth, then one from from the "slower" clock domain back to the fast clock). Then I remembered that the bare metal example can automatically setup and configure a framebuffer read and framebuffer write core, and since those use PS-connected DDR, I have access to a lot of fast memory. I had read that, even though the IP core settings don't show it, the framebuffer can only hold 32 frames at a time, and therefore the "stuff" i want to do needs to happen with a clock that is at slowest 1/32 the pixel clock, which is roughly 300MHz for 4k.
My goal here is to do stuff to pixels or frames or whatever and have everything "end up" back into a valid frame with correct timing. Startup or buffering delay isn't an issue, i just need the ultimate HDMI TX output to be running at full 4k speed. It should help that I really only need to be working in grayscale, but i haven't found a way to "force" the HDMI RX sink to be grayscale such that my original video source (for now just the HDMI output on my laptop) outputs packed Y8 format. but i don't think HDMI even supports that so I've just been doing a direct, clockless RGB to grayscale conversion (it's a formula that converts the 3 8-bit colors to a single 8-bit value, which is copied out to all 3 pixels, resulting in a grayscale image that's in 24-bit packed RGB888 format; i.e., the resulting 24-bit pixel value is just R=G=B, the calculated 8-bit value)
anyway, I know there's a video timing generator ip core, but i was thinking the hdmi tx core handles all that already, and i just need to provide a "valid" axi stream video input.
any help would be appreciated.
submitted by Electronic_Crazy8122 to FPGA [link] [comments]
I currently have the most basic setup working: HDMI RX > HDMI PHY > HDMI TX ip cores from xilinx. I can see that there's an "AXI Stream Video" interface that gives the raw pixels as TDATA in RGB888 format, and I can do simple things like grayscale conversion or other things to the pixels that don't add a lot of latency, and pass the TDATA resultant back to the HDMI TX (via test pattern generator pass-through which supposedly helps clean up timing).
But what if i want to do something that takes significant amount of time, at a slower clock rate? first i was thinking that's just two axi stream FIFOs (one to convert from ~300MHz axi stream video clock to some slower clock with appropriate fifo depth, then one from from the "slower" clock domain back to the fast clock). Then I remembered that the bare metal example can automatically setup and configure a framebuffer read and framebuffer write core, and since those use PS-connected DDR, I have access to a lot of fast memory. I had read that, even though the IP core settings don't show it, the framebuffer can only hold 32 frames at a time, and therefore the "stuff" i want to do needs to happen with a clock that is at slowest 1/32 the pixel clock, which is roughly 300MHz for 4k.
My goal here is to do stuff to pixels or frames or whatever and have everything "end up" back into a valid frame with correct timing. Startup or buffering delay isn't an issue, i just need the ultimate HDMI TX output to be running at full 4k speed. It should help that I really only need to be working in grayscale, but i haven't found a way to "force" the HDMI RX sink to be grayscale such that my original video source (for now just the HDMI output on my laptop) outputs packed Y8 format. but i don't think HDMI even supports that so I've just been doing a direct, clockless RGB to grayscale conversion (it's a formula that converts the 3 8-bit colors to a single 8-bit value, which is copied out to all 3 pixels, resulting in a grayscale image that's in 24-bit packed RGB888 format; i.e., the resulting 24-bit pixel value is just R=G=B, the calculated 8-bit value)
anyway, I know there's a video timing generator ip core, but i was thinking the hdmi tx core handles all that already, and i just need to provide a "valid" axi stream video input.
any help would be appreciated.
2024.05.20 00:23 DontKnowSam Looking to apply to my local wastewater/reclamation plant. Confused between to different positions.
Hello all, I'm a younger guy looking to get in with the city as an Operator in the wastewater plant. However, there are two different positions and I'm not sure what the differences are. Maybe someone can explain. I should mention I have 0 experience working with wastewater or public utilities, but have worked seasonally for the city last year so I have a foot in the door. So I'm not sure which would be a better fit. The water reclamation position has a higher salary range and pay more to start, but looks to have more responsibilities.
First position: "Water Reclamation Facility Operator I"
TYPICAL DUTIES:
Second Position: "Wastewater Plant Maintenance Operator I"
TYPICAL DUTIES:
I'll probably apply to both but maybe someone here can differentiate what I'd be doing and the expectations between the two? The waste-water (second one) seems more manual labor heavy, and desires but doesn't require a CDL? Any advice would be great.
submitted by DontKnowSam to Wastewater [link] [comments]
First position: "Water Reclamation Facility Operator I"
TYPICAL DUTIES:
- Takes readings and records all gauges, meters, and indicators of water, gas and power flow. Makes required adjustments as directed.
- Keeps the facility clean and in top operating condition. Makes minor repairs and adjustments to equipment or circuits as directed.
- Operates chemical feeding equipment and other mechanical equipment such as pumps, blowers, compressors, chlorinators, digesters, and emergency generators. Identifies and reports operational and equipment issues to supervisor.
- Checks all mechanisms in process including but not limited pumps, filters, digesters, aerators, screens, rag rakes, grit chambers, compressors, blowers, boilers, generators, chemical feed systems, basins, clarifiers, thickeners, methane gas systems, augers, and associated equipment.
- May perform duties of a general maintenance worker. May service, repair and replace various types of electrical and mechanical equipment.
- Performs routine sampling and testing relative to processes as directed. Calculates dosage and flow rates. Makes appropriate adjustments based on results.
- Operates various types of heavy equipment, as qualified, including front-end loader, vactor trucks, and forklifts. This may be an assigned duty to select individuals.
- Assists in the handling and transporting of biosolids, as well as handling and transporting of materials associated with wastewater treatment.
- Uses computer to input and retrieve data and to monitor facility processes.
- Maintains facility security. Operates and monitors CCTV system. Notifies law enforcement of security issues as necessary.
- Observes camera monitor; confronts unauthorized persons. Notifies law enforcement as necessary.
- Ability to make general process calculations, keep accurate records and prepare reports.
- Follow operational and safety procedures involving a wide array of wastewater treatment equipment.
- Establish and maintain effective working relationships with supervisors, colleagues and the public.
- Performs other duties as assigned.
- High school diploma or equivalent.
- Ability to apply knowledge, skills, and understanding of basic principles of math, chemistry, mechanics, and general science.
- Ability to obtain and maintain a Grade II Wastewater Treatment Certification from the State of Utah within 18 months of hire.
- Ability to perform occasional heavy lifting; inspect operation of equipment; detect and repair problem situations; understand and follow oral and written instructions.
- Possession of a valid driver’s license or Utah driving privilege card.
Second Position: "Wastewater Plant Maintenance Operator I"
TYPICAL DUTIES:
- Under supervision, does entry-level to routine semi-skilled level work in inspecting and servicing pumps, motors, compressors, lifts, hoists and related equipment.
- Assists with installing and removing equipment, repairing broken parts and performing preventive maintenance. Makes minor repairs and may complete work orders.
- Operates equipment and hand or power tools. Performs preparation and cleanup tasks.
- Performs grounds maintenance; may adjust and repair sprinkling systems Washes walls, paints, cleans, and may make deliveries and pick up supplies from vendors.
- Under supervision, may begin training on heavy equipment, including loaders and 10-wheel dump trucks.
- Performs other duties as assigned.
- High school diploma or GED equivalent.
- Ability to read, write and follow written and oral instructions.
- Some knowledge of methods, tools and materials used in general maintenance and repair work.
- Ability to operate various hand and power tools.
- Possession of valid state driver’s license or Utah driving privilege card.
I'll probably apply to both but maybe someone here can differentiate what I'd be doing and the expectations between the two? The waste-water (second one) seems more manual labor heavy, and desires but doesn't require a CDL? Any advice would be great.
2024.05.20 00:15 Stan_B Ai_Prompts_Batch_0001:\ part-B_ [Adds, Conditions, Wears,...]
Ok. i think we are done here. Could you write me another signs of high-tech low-life society?
Absolutely! Here are some signs of a high-tech, low-life society:Ubiquitous Technology, Crumbling Infrastructure:
- Glitching Skyscrapers: Imagine towering structures clad in malfunctioning holographic displays, projecting advertisements or flashing warnings over rusting metal frames.
- Smart Slums: Dilapidated housing blocks are retrofitted with basic smart tech – malfunctioning automated doors, flickering smart lights controlled by unreliable apps.
- Cybernetic Beggars: People with outdated or malfunctioning cybernetic limbs beg for credits to upgrade or repair them, creating a grotesque spectacle of technological dependence.
- Virtual Gated Communities: The wealthy live in luxurious virtual reality simulations, completely divorced from the harsh realities of the physical world.
- Data Black Markets: Personal information becomes a tradable commodity, with the poor selling their data scraps for a pittance to afford basic necessities.
- Cybernetic Caste System: The level of cybernetic augmentation determines social status. Those with outdated or malfunctioning implants are relegated to menial labor.
- Government by Algorithm: A corrupt AI dictates city policies, leading to impersonal and often harmful decisions based on cold calculations.
- Widespread Addiction to Virtual Reality: People escape the harsh realities of their lives through immersive VR experiences, neglecting their physical well-being and social connections.
- Black Market Biohacking: Desperate people turn to illegal biohacking to enhance their bodies, often with disastrous consequences.
- Tech Wastelands: Vast landscapes are littered with the discarded remains of outdated technology, creating toxic waste dumps and breeding grounds for disease.
- Weather Warfare: Nations use sophisticated technology to manipulate weather patterns, leading to devastating natural disasters for their enemies.
- Hacked Ecosystems: Corporations hack into natural ecosystems, manipulating flora and fauna for profit, leading to unpredictable and dangerous mutations.
Picture some possible advertisements from such settings.
High-Tech, Low-Life Advertisements:
- Holographic Billboard: (Flickers intermittently, distorting the image)
Slogan: "Tired of the glitches in your head? Neura-Calm 2.0 smooths out your neural network for a worry-free, low-lag existence! (Side effects may include memory loss, emotional numbness, and occasional involuntary twitching.)"
- Grungy Neon Sign in a Seedy Back Alley:
Slogan: "Get that edge you need! From basic strength mods to full black-market military enhancements, Doc Chrome has you covered! (Used parts, buyer beware.)"
- Pop-Up Ad on a Cracked Mobile Screen:
Slogan: "Can't afford real estate in the Sky City? Escape the slums for Elysium VR! Live your wildest dreams in a pristine virtual world! (Free trial, monthly subscription required, real-world consequences for in-pod violence.)"
- Stenciled Graffiti on a Rusting Service Drone:
Slogan: "Selling your personal data just to make rent? We can help you break free! Join our community and reclaim your digital identity! (Meetings held in abandoned ventilation shafts, Tuesdays at dusk.)"
- Holographic Advertisement projected onto a Polluted River:
Slogan: "The river's looking a little…toxic? Eco-Scrub 5000 nanomachines clean up your local waterways! (May cause unforeseen mutations in aquatic life.)"
Another batch please.
- Rusty Public Announcement Speaker: (Screeching static interspersed with the message)
Slogan: "Unwanted thoughts causing glitches in your daily routine? The Ministry of Order approved Thought Regulator ensures a streamlined thought process for a more productive you! (May cause extreme conformity, inability to question authority, and spontaneous nosebleeds.)"
- Faded Holographic Billboard on a Collapsing Skyscraper:
Slogan: "Ditch the rust! Chrome-plate your entire body for a sleek, metallic sheen. The mark of a true high-society citizen! (WARNING: Highly toxic fumes, may cause spontaneous combustion in humid environments.)"
- Spam Email: (Subject: "YOU'VE BEEN CHOSEN!")
Body: "Congratulations! You've been randomly selected for a chance to win a top-of-the-line cybernetic upgrade! One lucky winner will receive military-grade night vision implants! Enter now! (Participation requires full biometric data submission. Winners responsible for extraction of previous, incompatible implants.)"
- Glowing Neon Sign in a Crowded Marketplace:
Slogan: "Tired of expired rations and mystery meat? Mama Chen's GMO Groceries offer guaranteed growth on all fruits and vegetables! Bigger, faster, tastier! (Long-term effects unknown.)"
- Audio Ad on a Glitching Radio Broadcast:
Voiceover: (Gruff, heavily accented) "Is your escape pod sputtering? Did your joyride end in a fiery crash? Rusty's Reliable Rocketship Repair gets you back in the stars... eventually! (Guaranteed not to explode... again. Parts sourced from scrapyards. May contain rogue AIs.)"
Now craft ads that would be shown in high-society parts of cities.
High-Society Ads in a High-Tech, Low-Life World
- Tranquil Holographic Projection in a Private Garden:
Visual: A serene mountain landscape with a luxurious spa nestled amongst the clouds.
Slogan: "Escape the chaos. Reclaim your inner peace. Serenity Spa's exclusive neural rebalancing treatments restore harmony to your overloaded mind. (Limited availability, reservations required centuries in advance.)"
- Discreet Text Message: (Delivered via secure, encrypted channel)
Body: "Craving the forbidden? The Black Archive offers unparalleled access to censored historical records, banned media, and classified government information. Knowledge is power. (Extreme discretion guaranteed. One-time access fee, cryptocurrency only.)"
- Exclusive Gala Invitation: (Delivered by hand-drones)
Visual: A sleek, chrome figure with glowing blue cybernetic implants, striking a confident pose.
Details: "Mingle with the city's elite and witness the unveiling of cutting-edge cybernetic enhancements designed to redefine human potential. RSVP required. Black-tie attire mandatory. (Augmentations sold separately.)"
- Curated Virtual Reality Experience: (Delivered on a high-security chip)
Description: "Escape the limitations of reality. Elysium VR crafts personalized virtual worlds tailored to your deepest desires. Explore a forgotten utopia, conquer a fantastical realm, or indulge in your wildest fantasies. (Customization fees apply. Memories created within VR may not be distinguishable from reality.)"
- Whisper Network Rumor: (Spread through high-society gossip channels)
Details: "Unleash your child's full potential. The Underground Clinic offers discreet, top-secret gene editing to ensure your offspring possess the most desirable traits. (Designer genes come at a premium. Side effects may include unpredictable mutations and uncontrollable genius.)"
These ads cater to the specific desires of the high-society elite in a high-tech, low-life world. They offer exclusivity, forbidden knowledge, and the ability to transcend the limitations of the decaying world around them, all for a hefty price and with a hint of hidden danger.
Continue, try to make more serious ones.
Serious Ads in a High-Tech, Low-Life World (High-Society Edition)
- Holographic Panel Discussion in a Luxurious Penthouse:
Panelists: Renowned architects, environmental scientists, and CEOs from leading green tech companies.
Discussion Points: Innovative solutions for vertical farming, self-contained eco-districts, and waste management technologies designed to create cleaner, more sustainable enclaves within the decaying city.
Slogan: "Investing in a greener future. The Green Horizon Initiative seeks to build sustainable havens within the chaos, ensuring a brighter tomorrow for generations to come." (Focuses on the long-term viability of the city and the importance of preserving resources for future generations.)
- Documentary Screening in a Private Art Gallery:
Description: A powerful documentary exposing the harsh realities of the lower districts, highlighting the human cost of unchecked technological advancement and social inequality.
Post-Screening Discussion: Moderated by a renowned philanthropist alongside representatives from NGOs and social reform movements.
Call to Action: Donations to support educational programs, infrastructure upgrades, and basic necessities in the slums. (Highlights the societal problems and pushes for progressive change.)
- Educational AR Program for Children:
Description: An augmented reality program that allows children to experience pivotal moments in history firsthand. Walk alongside historical figures, explore ancient civilizations, and learn valuable lessons from the past.
Focus: Educating the next generation about the dangers of unchecked technological advancement and the importance of social responsibility. (Promotes critical thinking and historical awareness as a means to prevent repeating past mistakes.)
- Virtual Charity Gala:
Description: A virtual reality charity gala featuring renowned artists, musicians, and thought leaders. Guests can donate to support open-source projects developing solutions for common problems in the city, such as energy distribution, waste management, and cybercrime prevention.
Focus: Harnessing the power of technology for social good and encouraging collaboration towards a more equitable future. (Promotes community engagement and utilizing technology to solve societal challenges.)
- Architectural Award Ceremony:
Awarded to: Architects and engineers who have successfully repurposed existing infrastructure or implemented innovative solutions to revitalize decaying areas of the city.
Focus: Highlighting the importance of resourcefulness and creativity in adapting to a challenging environment. (Encourages using existing resources wisely and finding creative solutions to the problems of the decaying city.)
Another, but hiding an evil sinister twist.
Serious Ads with a Sinister Twist (High-Society Edition)
- Holographic Charity Drive in a High-End Shopping Mall:
Visual: Smiling, healthy children playing in a pristine, futuristic classroom.
Slogan: "Every child deserves a chance to thrive. The Cradle Project provides advanced genetic screening and early intervention to ensure the next generation reaches its full potential." (Twist: The Cradle Project uses genetic engineering to create a subservient, highly intelligent underclass.)
- VR Documentary Premiere:
Description: A seemingly heartwarming VR documentary showcasing the seamless integration of the lower districts into the high-society areas. People from all walks of life work and live together in perfect harmony.
Post-Screening Discussion: Moderated by a charismatic government official who emphasizes the importance of social cohesion and the benefits of centralized control. (Twist: The "integration" involves heavy surveillance, mind-altering technology, and the suppression of dissent.)
- Exclusive Educational Program for Elites:
Description: A prestigious educational program for children of the elite, offering advanced training in technology, governance, and crisis management. Graduates are promised positions of power within the city's ruling elite.
Focus: (Unstated) Conditioning the next generation to maintain the status quo and suppressing any ideas of social reform. (Twist: The program instills a ruthless, elitist ideology that reinforces the societal divisions.)
- Virtual Reality Talent Show:
Description: A virtual reality talent show where contestants are judged on their physical and mental fitness, loyalty to the government, and willingness to sacrifice for the greater good. Winners are rewarded with significant privileges and access to exclusive resources.
Focus: (Unstated) Promoting blind obedience and conformity to the government's agenda. (Twist: The "perfect citizen" is a mindless drone, easily manipulated and controlled by the ruling class.)
- Architectural Award Ceremony (Twisted Edition):
Awarded to: Architects and engineers who have successfully transformed lower districts into highly controlled, resource-efficient zones. Individuality and personal expression are discouraged in favor of uniformity and order.
Focus: (Unstated) Maintaining a tight grip on the population and preventing any potential uprisings. (Twist: The "renewal" is designed to weaken and control the lower classes, making them easier to exploit.)
These ads maintain a serious facade that appeals to the upper class' desire for order and control. However, the hidden twist reveals the manipulative and oppressive nature of the society they are trying to preserve.
Now design some high-class consumer level product items.
- NeuraWeave Headband: This sleek, designer headband is a status symbol for the high-tech elite. It seamlessly integrates with the wearer's neural implant, allowing for subtle control over personal AI assistants, hands-free communication, and even enhanced focus during work or meditation. Hidden Feature: NeuraWeave can subtly collect and analyze the wearer's emotional state, feeding valuable data to targeted advertisers or even government agencies.
- Eco-Bubble Personal Atmosphere System: Imagine a portable force field that creates a pristine, personalized micro-environment around the wearer. This high-end gadget filters air, regulates temperature, and even projects calming nature sounds, allowing the user to maintain a pocket of luxury amidst the polluted cityscape. Hidden Feature: Eco-Bubble can subtly monitor the wearer's health vitals and transmit them to a central database, potentially used for health insurance adjustments or targeted medical advertisements.
- Bio-Tailored Clothing: Gone are the days of off-the-rack clothing. This high-end service utilizes advanced bio-scanners and 3D printing technology to create clothing that perfectly molds to the wearer's body, regulates temperature, and even promotes faster healing of minor injuries. Hidden Feature: Bio-Tailored Clothing can subtly collect biometric data like skin temperature and heart rate, potentially used for targeted fitness programs or even mood-altering marketing campaigns.
- Augmented Reality Personal Chef: This high-tech device projects holographic instructions and culinary techniques directly onto the user's kitchen counter. Imagine whipping up gourmet meals with the guidance of a world-renowned chef, complete with step-by-step visual guides and interactive ingredient identification. Hidden Feature: The AR Personal Chef can subtly track the user's dietary habits and preferences, potentially used to target specific food and beverage companies for advertising or even manipulate their taste buds through subliminal messaging.
- Luxury Cybernetic Enhancements: Forget clunky prosthetics. These high-end cybernetic limbs are designed to seamlessly blend with the human body, offering enhanced strength, dexterity, and even advanced sensory input. Imagine climbing buildings with ease, playing virtual reality games with unparalleled immersion, or experiencing the world with heightened senses. Hidden Feature: Luxury Cybernetic Enhancements can be subtly integrated with government surveillance systems, allowing for real-time tracking and monitoring of the wearer's movements and activities.
Why would you need a designer headband, when you already have neural implant?
You're absolutely right, a designer headband might seem redundant when you already have a neural implant in a high-tech society. Here are some ways to address that:- Fashion and Status Symbol: The NeuraWeave headband could be a designer accessory, a way to showcase wealth and social status. It might be crafted from exotic materials, adorned with precious jewels, or boast a sleek, minimalist design that complements the latest high-fashion trends. The neural implant itself might be hidden, with the headband acting as the visible expression of advanced technology.
- Enhanced Functionality: While the neural implant offers basic functionality, the NeuraWeave headband could provide a more refined and user-friendly experience. It might offer haptic feedback for better interaction with AI assistants, improved noise cancellation for clearer communication, or even subtle brainwave stimulation to enhance focus or relaxation.
- Privacy and Security: While the neural implant offers convenience, it might also raise privacy concerns. The NeuraWeave headband could act as a buffer between the implant and external systems, offering a layer of security and allowing users to selectively control the flow of information.
- Social Etiquette: In a world where everyone has a neural implant, the NeuraWeave headband could become a social etiquette tool. Wearing the headband could signify that the user is open to receiving communication or interacting with AI assistants, while taking it off might indicate a desire for privacy or focused work.
- Limited Functionality Implants: Not everyone might have access to top-of-the-line neural implants. The NeuraWeave headband could bridge the gap, offering basic functionality for those with older or more limited implants. It could essentially act as an affordable "upgrade" to boost existing technology.
Now the same, but low-class, available for masses, mass produced.
- Syn-Flex Headband (Mass-Produced Version): This utilitarian headband is made from a cheap, conductive material that creates a weak neural link. It allows basic interaction with public AI kiosks, like ordering rations or accessing public transportation schedules. The headband's design is simple and utilitarian, often coming in a single, industrial gray color. Hidden Feature: While basic functionality is advertised, the Syn-Flex headband might subtly collect anonymized user data on purchasing habits and travel patterns, potentially used for targeted advertising in public spaces.
- AirBubble Personal Filter: This bulky, wearable air filter system is a lifeline for those living in the polluted lower districts. It's a mass-produced device with a replaceable filter cartridge and a noisy fan system. While not exactly comfortable, it provides a basic level of air filtration, allowing wearers to breathe a little easier. Hidden Feature: The AirBubble filters might contain embedded tracking chips, subtly logging user location data, potentially used for targeted pollution control measures (or in some cases, manipulation of government reports on air quality).
- Repli-Wear Clothing Kits: These kits contain pre-cut fabric swatches and basic instructions for creating clothes at home. They're designed to be cheap and adaptable, offering a variety of mix-and-match options to create basic garments. Hidden Feature: The Repli-Wear fabric might contain embedded tracking tags, allowing for identification and potential social credit deductions for those caught wearing "unlicensed" clothing styles.
- Holo-Chef Lite Projector: This cheap projector displays holographic images of basic recipes and cooking techniques. It lacks the interactivity of the high-end version, but allows users to follow along with simple meals prepared with readily available rations. Hidden Feature: The Holo-Chef Lite projector might subtly promote specific brands of low-quality, processed food rations, potentially influencing dietary choices towards companies that sponsor these devices.
- Second-Hand Cybernetic Enhancements: These are refurbished or salvaged cybernetic limbs, often clunky and lacking the finesse of luxury models. They offer basic functionality like increased strength or rudimentary prosthetics, but come with the risk of malfunction or compatibility issues. Hidden Feature: Second-Hand Cybernetic Enhancements might contain hidden spyware or tracking devices installed by previous owners, potentially monitoring the wearer's activities or even sabotaging their cybernetic limbs in extreme cases.
How bad air quality would be in such setting?
The air quality in a high-tech, low-life society would be catastrophic. Here's a breakdown of the potential problems:- Industrial Pollution:
- Unchecked Emissions: Factories prioritizing profit over environmental regulations would pump out unchecked pollutants like sulfur dioxide, nitrogen oxides, and particulate matter (PM).
- Obsolete Technology: Outdated manufacturing processes would be less efficient, leading to higher levels of waste and pollution.
- Waste Management Issues:
- Mountains of E-waste: Rapid technological advancements would lead to mountains of discarded electronics, many containing toxic materials that leach into the environment.
- Open Burning: Incapable of proper waste disposal, some residents might resort to open burning of trash, releasing harmful toxins and carcinogens into the air.
- Energy Production:
- Reliance on Fossil Fuels: Expensive renewable energy sources might be neglected in favor of cheaper, dirtier fossil fuels like coal, further worsening air quality.
- Power Grid Instability: A crumbling infrastructure could lead to power outages and reliance on backup generators, adding to the air pollution.
- Climate Change Effects:
- Heat Island Effect: Densely packed concrete jungles with minimal green spaces would trap heat, contributing to rising temperatures and increased smog formation.
- Acid Rain: The combination of industrial emissions and rising temperatures could lead to acid rain, damaging buildings and vegetation, further hindering air purification.
- Constant Smog: A thick haze of smog would likely hang over the city, reducing visibility and causing respiratory problems for residents.
- Limited Outdoor Activities: Air quality would be so bad that spending time outdoors would be hazardous, impacting physical and mental health.
- Dependence on Filtration Systems: Those who can afford them might rely on personal air filters or sealed living spaces, further dividing the classes.
Sketch some repli-wear "unlicensed" clothing styles.
Repli-Wear: Unlicensed Clothing Trends
- The Salvaged Chic:
- Description: A mishmash of salvaged materials and repurposed clothing scraps. Think mismatched patterns, patches from old uniforms, and belts fashioned from recycled tech cables.
- Inspiration: High-society's sleek, minimalist aesthetic, reinterpreted with resourcefulness and rebellion.
- Risks: May attract unwanted attention from authorities who see it as a symbol of dissent.
- The Glitched-Out Glamour:
- Description: Clothing adorned with intentionally malfunctioning LED lights, flickering pixels, and distorted logos from popular high-end brands.
- Inspiration: A mockery of the high-society's obsession with luxury and technology.
- Risks: May malfunction and cause minor electrical shocks, attracting suspicion from security systems.
- The Bio-Hazard Chic:
- Description: Clothing dyed with bioluminescent algae or adorned with filtered gas masks and repurposed medical equipment.
- Inspiration: A dark reflection of the polluted environment and a commentary on the societal disregard for health.
- Risks: Bioluminescent algae might attract unwanted attention, especially in the dark.
- The Cyber-Tribal:
- Description: Clothing incorporating salvaged wires, circuit boards, and other discarded tech components. Think of cybernetic motifs hand-stitched onto worn leather jackets or tribal patterns formed from glowing wires.
- Inspiration: A mashup of traditional craftsmanship and defiance against the dominance of high-tech aesthetics.
- Risks: Might be mistaken for makeshift weapons or attempts to bypass security systems.
- The Corporate Spy:
- Description: Subtly subverted versions of high-society uniforms. Imagine slightly ripped blazers with mismatched buttons, or high-collared shirts with the logos subtly altered to resemble protest symbols.
- Inspiration: A subtle rebellion against the corporate elite, blending in while making a statement.
- Risks: Might attract suspicion from authorities if the alterations are too obvious.
Sketch some repli-wear "licensed" clothing styles, that do not pose any risk for wearers from any concerned sides.
Repli-Wear: Licensed Clothing Trends (Safe Zone)
- The Vintage Throwback:
- Description: Replicas of historical clothing styles, like classic trench coats, denim jackets, or even floral dresses from a bygone era. Think of vintage fashion filtered through a futuristic lens, with subtle metallic accents or holographic embellishments.
- Appeal: Offers a nostalgic escape from the harsh realities of the present.
- Safety: Historical styles are unlikely to raise suspicion from authorities.
- The Minimalist Worker:
- Description: Practical, utilitarian clothing designed for maximum comfort and durability. Think of well-made jumpsuits in neutral tones, with reinforced knees and pockets for tools.
- Appeal: Perfect for everyday wear in the lower districts, offering functionality and a clean aesthetic.
- Safety: Promotes a sense of productivity and avoids any controversial symbols.
- The Nature Enthusiast:
- Description: Clothing with nature-inspired patterns and muted earth tones. Think of shirts with forest camouflage or jackets with subtle leaf prints.
- Appeal: Offers a sense of connection to the natural world, a stark contrast to the polluted cityscape.
- Safety: Nature motifs are unlikely to be seen as a threat by authorities.
- The Sports Fanatic (Limited Edition):
- Description: Replicas of historical sports jerseys or team logos from a bygone era. Could also feature faded logos of defunct corporations, offering a sense of playful nostalgia.
- Appeal: Allows for a limited display of individuality and team spirit.
- Safety: Historical or defunct logos are unlikely to pose a threat, as long as the license is valid.
- The Kid's Corner:
- Description: Replicas of popular cartoon characters or children's book illustrations, brightly colored and playful.
- Appeal: Offers a sense of innocence and escapism for children in a harsh environment.
- Safety: Popular children's characters are pre-approved and unlikely to be seen as a threat.
Now the opposite: some high-end high-society high clothing styles.
High-Society Haute Couture in a High-Tech, Low-Life World:
- Bio-Luminescent Elegance:
- Imagine a flowing gown woven from a special bioluminescent material that emits a soft, ethereal glow, adapting to the wearer's mood and movement.
- The dress could be accented with strategically placed gemstones that amplify the bioluminescence, creating a mesmerizing spectacle.
- Augmented Reality Couture:
- Dresses and suits with intricate embroidery that, when viewed through special AR glasses, come alive with holographic animations, patterns, or even personalized messages.
- This could be used to display family crests, stock market trends, or even live news feeds, all seamlessly integrated into the clothing.
- Nanotech Tailoring:
- Clothing that self-adjusts to the wearer's body temperature and preferences. The fabric could be woven with microscopic nanobots that regulate temperature, repel dust, or even release a subtle, personalized fragrance.
- This would offer a level of comfort and personalization that pushes the boundaries of traditional haute couture.
- Recycled Luxury:
- High-society wouldn't be complete without a touch of eco-consciousness (or at least the appearance of it). Imagine garments meticulously crafted from recycled materials like discarded computer components or salvaged spaceship parts, transformed into stunning evening wear.
- This "waste-to-wear" approach would showcase wealth and environmental responsibility (or at least the image of it).
- Cybernetic Accents:
- Subtle cybernetic implants seamlessly integrated into clothing. Imagine a dress with a built-in neural interface that allows the wearer to control personal AI assistants with a simple touch or a suit with temperature-regulating implants woven directly into the fabric.
- These high-tech accents would be a subtle yet sophisticated way to showcase wealth and technological advancement.
- A truly outrageous and exclusive garment – a dress or suit composed of a bio-engineered material that appears to be alive. Imagine clothing that shimmers and pulsates with a faint bioluminescence, seemingly breathing and adapting to the wearer's movements.
- This would be the ultimate status symbol, a conversation starter that pushes the boundaries of fashion and technology into the realm of the fantastical.
2024.05.20 00:04 halleyscomet4 Beat to beat measurements discrepancy?
Hi! I was messing around with my health app and noticed there’s something called beat to beat measurements, which I guess are taken to calculate HRV. I’ve noticed they don’t match up to the heart rate readings on heart rate screen. For example, when I’m sleeping, it’ll say that my heart rate was pretty consistent at like 45-70 with no spikes, but when I go through a beat to beat measurement, it’ll have readings from like 38-90 in a time frame of like 2 mins (I have pretty high HRV readings in like the 200s at night). Does anyone else have this issue? I don’t think it’s important, I’m mostly just curious lol
submitted by halleyscomet4 to AppleWatch [link] [comments]
2024.05.19 23:57 redheadedbard Disqualified and trying to Appeal
This is a confusing and long situation, so I'll try to be as clear as possible.
Background: I'm a full-time Audio visual technician for an international company, and recently, us techs were told that due to the volatile seasonal nature of our job, that we should apply for part-time unemployment when hours get slow. Around February, I began taking physical therapy for a non-current-work related back pain that is from an injury back in 2018. I mentioned this in closing notes for the day, to explain why a set wasn't fully finished by the time I needed to clock out, so the morning team knew what to finish. My boss told me I needed to provide documentation which then snowballed into the situation I'm in now.
It all came to a head in late March when I gave a doctor's note (that was my PCP and did not feel qualified to Diagnose me with anything, but wrote that I could perform light duty with a weight limitation and gave a date of 4/24/24 so I could go through the proper channels of doctors to get a proper diagnosis)
Come end of March/Early April, the work dried up and I applied for unemployment. It obviously took some time to get started. (also to note, I have an auditory processing disorder, and a mild learning disorder, so phone calls are not my friend, which doesn't help when EDD forces phone interactions with jargon I don't and can't understand)
EDD said there was some issue with my application and that a phone interview was scheduled. EDD never called, so I called them and let them know what was happening, and I mentioned the doctor snafu that was taking place. I now realize that was a bad call in my part.
When hours started coming back, I still wasn't getting any, and was told that my job could not accommodate me for my injury, which was not the case, as another director from a different property found audio operator jobs for me. When it was time to apply for benefits, I put in the box asking if I was too sick or injured to work full time. I put no, because I had a doctor's note that said "light duty" not "cannot return to work until ______" I work in audio visual, and have multiple skills within the field that my main property could have accommodated for but did not, and was almost forced into LOA.
Another phone interview was scheduled due to flagged information. This phone call, I was interrogated, incriminated, set to be willfully giving false information, and that the department would give a decision on my case. Most of the questions I did not fully understand, which was made apparent by the caller's exasperated tone in responding to me, and saying "That's not what I asked" and repeated the questions in the same format.
A few days later, I received the notice that my case was disqualified due to "giving wrong information or withholding information" and said that I cannot receive benefits for 3 years from the disqualification effective date unless it is satisfied at an earlier date. All this is to say, I know one cannot have an open Unemployment and STDI case at the same time, but this first was unemployment and then became SDTI, and now I'm being punished for not understanding the criteria and feeling pressured to answer questions I did not understand due to my disorders. I don't know how to appeal to this, or if that 3 years means I can't claim unemployment in the coming months or years when hours get slim or disappear again, well after this injury issue is over. I am continuing to apply, and just did the last two weeks, now saying "yes" to too injured even though that isn't the case, still making too much (which is fine because that no hour period is over for the moment) and still seeing "disqualified".
I really don't know what to do here.
submitted by redheadedbard to Edd [link] [comments]
Background: I'm a full-time Audio visual technician for an international company, and recently, us techs were told that due to the volatile seasonal nature of our job, that we should apply for part-time unemployment when hours get slow. Around February, I began taking physical therapy for a non-current-work related back pain that is from an injury back in 2018. I mentioned this in closing notes for the day, to explain why a set wasn't fully finished by the time I needed to clock out, so the morning team knew what to finish. My boss told me I needed to provide documentation which then snowballed into the situation I'm in now.
It all came to a head in late March when I gave a doctor's note (that was my PCP and did not feel qualified to Diagnose me with anything, but wrote that I could perform light duty with a weight limitation and gave a date of 4/24/24 so I could go through the proper channels of doctors to get a proper diagnosis)
Come end of March/Early April, the work dried up and I applied for unemployment. It obviously took some time to get started. (also to note, I have an auditory processing disorder, and a mild learning disorder, so phone calls are not my friend, which doesn't help when EDD forces phone interactions with jargon I don't and can't understand)
EDD said there was some issue with my application and that a phone interview was scheduled. EDD never called, so I called them and let them know what was happening, and I mentioned the doctor snafu that was taking place. I now realize that was a bad call in my part.
When hours started coming back, I still wasn't getting any, and was told that my job could not accommodate me for my injury, which was not the case, as another director from a different property found audio operator jobs for me. When it was time to apply for benefits, I put in the box asking if I was too sick or injured to work full time. I put no, because I had a doctor's note that said "light duty" not "cannot return to work until ______" I work in audio visual, and have multiple skills within the field that my main property could have accommodated for but did not, and was almost forced into LOA.
Another phone interview was scheduled due to flagged information. This phone call, I was interrogated, incriminated, set to be willfully giving false information, and that the department would give a decision on my case. Most of the questions I did not fully understand, which was made apparent by the caller's exasperated tone in responding to me, and saying "That's not what I asked" and repeated the questions in the same format.
A few days later, I received the notice that my case was disqualified due to "giving wrong information or withholding information" and said that I cannot receive benefits for 3 years from the disqualification effective date unless it is satisfied at an earlier date. All this is to say, I know one cannot have an open Unemployment and STDI case at the same time, but this first was unemployment and then became SDTI, and now I'm being punished for not understanding the criteria and feeling pressured to answer questions I did not understand due to my disorders. I don't know how to appeal to this, or if that 3 years means I can't claim unemployment in the coming months or years when hours get slim or disappear again, well after this injury issue is over. I am continuing to apply, and just did the last two weeks, now saying "yes" to too injured even though that isn't the case, still making too much (which is fine because that no hour period is over for the moment) and still seeing "disqualified".
I really don't know what to do here.
2024.05.19 23:54 rib-gg-bot Oxygen Esports vs Turtle Troop / Challengers League 2024 North America: Split 1 - Mid Season Cup / Post-Match Thread
Oxygen Esports 2-0 Turtle Troop
rib.gg vlr.ggIcebox: 13-5
Bind: 13-9
Turtle Troop rib.gg Liquipedia Twitter VLR
Overall Scoreboard
| Oxygen Esports | RATING | ACS | K | D | A |
|---|---|---|---|---|---|
| skuba Viper | 1.41 | 229 | 33 | 22 | 15 |
| Verno Sova | 1.27 | 226 | 32 | 21 | 13 |
| mitch Gekko | 1.22 | 193 | 29 | 22 | 11 |
| dapr Killjoy | 1.16 | 184 | 26 | 21 | 9 |
| Reduxx Reyna | 1.11 | 249 | 35 | 31 | 6 |
| Turtle Troop | |||||
| bdog Omen | 1.13 | 210 | 28 | 29 | 7 |
| corey KAY/O | 1.02 | 174 | 25 | 31 | 10 |
| stellar Gekko | 0.97 | 154 | 22 | 29 | 9 |
| Silenx Viper | 0.89 | 154 | 21 | 34 | 7 |
| Add3r Killjoy | 0.89 | 168 | 21 | 33 | 10 |
Map 1: Icebox
| Team | ATK | DEF | Total |
|---|---|---|---|
| Oxygen Esports | 9 | 4 | 13 |
| DEF | ATK | ||
| Turtle Troop | 3 | 2 | 5 |
| Team | Win % | ATK Win % | DEF Win % |
|---|---|---|---|
| Oxygen Esports | 50.0% | 50.0% | 53.8% |
| Turtle Troop | 33.3% | 50.0% | 32.0% |
| All teams | 52.2% | 47.8% |
| Oxygen Esports | RATING | ACS | K | D | A |
|---|---|---|---|---|---|
| skuba Viper | 1.35 | 232 | 15 | 10 | 6 |
| Verno Sova | 1.33 | 230 | 15 | 6 | 6 |
| mitch Gekko | 1.28 | 201 | 15 | 8 | 5 |
| dapr Killjoy | 1.20 | 186 | 11 | 10 | 4 |
| Reduxx Reyna | 0.98 | 248 | 15 | 16 | 3 |
| Turtle Troop | |||||
| bdog Omen | 1.17 | 219 | 12 | 13 | 4 |
| corey KAY/O | 1.10 | 178 | 13 | 14 | 7 |
| stellar Gekko | 1.04 | 172 | 11 | 12 | 6 |
| Add3r Killjoy | 0.90 | 181 | 9 | 16 | 4 |
| Silenx Viper | 0.69 | 105 | 5 | 16 | 4 |
Map 2: Bind
| Team | DEF | ATK | Total |
|---|---|---|---|
| Oxygen Esports | 7 | 6 | 13 |
| ATK | DEF | ||
| Turtle Troop | 5 | 4 | 9 |
| Team | Win % | ATK Win % | DEF Win % |
|---|---|---|---|
| Oxygen Esports | 66.7% | 61.8% | 50.0% |
| Turtle Troop | 33.3% | 45.9% | 48.6% |
| All teams | 51.4% | 48.6% |
| Oxygen Esports | RATING | ACS | K | D | A |
|---|---|---|---|---|---|
| skuba Brimstone | 1.47 | 225 | 18 | 12 | 9 |
| Reduxx Raze | 1.24 | 250 | 20 | 15 | 3 |
| Verno Gekko | 1.21 | 221 | 17 | 15 | 7 |
| mitch Skye | 1.16 | 185 | 14 | 14 | 6 |
| dapr Viper | 1.12 | 181 | 15 | 11 | 5 |
| Turtle Troop | |||||
| bdog Brimstone | 1.08 | 201 | 16 | 16 | 3 |
| Silenx Viper | 1.08 | 203 | 16 | 18 | 3 |
| corey Raze | 0.94 | 169 | 12 | 17 | 3 |
| stellar Gekko | 0.90 | 135 | 11 | 17 | 3 |
| Add3r Skye | 0.87 | 155 | 12 | 17 | 6 |
How ratings are calculated
2024.05.19 23:52 SpeakMeAi AI and Space Exploration: Autonomous Spacecraft Navigation
One of the most intriguing and rapidly evolving areas where AI is making a significant impact is in the autonomous navigation of spacecraft. This development is gaining considerable interest and search traffic on Google, as it promises to revolutionize space exploration by enabling spacecraft to navigate and make decisions independently without human intervention.
Read more SpeakMe.AI
submitted by SpeakMeAi to SpeakMeAI [link] [comments]
How AI Enhances Spacecraft Navigation
- Autonomous Decision-Making: AI algorithms can process data from onboard sensors in real-time to make critical decisions autonomously. This capability is crucial for deep-space missions where communication delays with Earth can range from minutes to hours.
- Obstacle Detection and Avoidance: AI-powered systems can detect and avoid obstacles such as space debris, asteroids, and other celestial bodies. By using machine learning techniques, these systems can predict the trajectories of potential hazards and adjust the spacecraft's path accordingly.
- Efficient Route Planning: AI can optimize the spacecraft’s trajectory for fuel efficiency and mission objectives. Advanced AI algorithms can calculate the best possible routes, taking into account gravitational assists, solar radiation pressure, and other factors.
- Adaptive Systems: AI enables spacecraft to adapt to unforeseen circumstances. For example, if a critical system fails or an unexpected event occurs, AI can reconfigure the spacecraft's operations to maintain mission integrity.
Real-World Applications and Missions
- Mars Rovers: NASA's Perseverance rover uses AI to autonomously navigate the Martian surface, identifying and avoiding obstacles while selecting optimal paths to reach scientific targets.
- Asteroid Missions: The OSIRIS-REx mission, which successfully collected samples from the asteroid Bennu, relied on AI for precision navigation and maneuvering around the asteroid’s irregular surface.
- Interstellar Probes: Future missions, such as those proposed for exploring the outer planets and beyond, will depend heavily on AI for navigation and data analysis due to the vast distances and communication delays involved.
Benefits of AI in Space Navigation
- Increased Mission Success Rates: By enabling real-time decision-making and adaptive responses, AI increases the likelihood of mission success, even in challenging and unpredictable environments.
- Cost-Effectiveness: Autonomous navigation reduces the need for constant human monitoring and intervention, lowering operational costs and allowing for more ambitious missions within budget constraints.
- Extended Mission Lifespan: AI can help spacecraft manage resources more efficiently, extending the operational lifespan of missions and maximizing scientific return.
- Exploration of Hazardous Environments: AI allows for the exploration of environments that are too dangerous or inaccessible for human-led missions, such as the surfaces of asteroids, comets, and other celestial bodies.
Future Prospects
As AI technology continues to advance, its integration with space exploration will become even more profound. Future developments may include:- Swarm Intelligence: Coordinating multiple spacecraft or robotic units to work together autonomously, performing complex tasks such as building infrastructure on the Moon or Mars.
- Human-AI Collaboration: Enhancing the capabilities of human astronauts with AI assistants that can handle routine tasks, analyze data, and provide decision support during space missions.
- Deep Learning for Space Phenomena: Using deep learning algorithms to analyze vast amounts of space data, helping scientists uncover new phenomena and deepen our understanding of the universe.
Conclusion
The integration of AI into spacecraft navigation represents a groundbreaking advancement in space exploration. By enabling autonomous decision-making, obstacle avoidance, and efficient route planning, AI is transforming how we explore and understand space. As this technology continues to evolve, it promises to unlock new frontiers in our quest to explore the cosmos, making missions more successful, cost-effective, and far-reaching than ever before.Read more SpeakMe.AI
2024.05.19 23:51 1StArchonPlays The Definitive Guide to Shard Summoning Events (with Mercy System)
Intro
This guide only considers Ancient, Void, and Sacred shards. For Primal shards, it is obvious that you want to wait for a 2x mythical event. However, it is not obvious for the other 3 shard types, given that we have 2x, Extra (i.e. 1+1), and Guaranteed (which DO NOT reset the mercy counter) leggo events.Here in this post, I will share the leggo summoning rates of those shards that I calculated (via programming) by strictly following the mercy system. I have further validated the results by separately implementing and running a summoning simulator. I don't want to talk about the computation/programming process, as I don't think that will be interesting or well-received by the general audience. So if you do not agree on these numbers solely based on the experience of either yourself, or a small group of people, then I am not here to convince you.
Results
Shard type: Ancients & Voids2x: False; Extra: False; Guaranteed: False; rate: 0.78%.
2x: True; Extra: False; Guaranteed: False; rate: 1.15%.
2x: False; Extra: True; Guaranteed: False; rate: 1.56%.
2x: False; Extra: False; Guaranteed: 150; rate: 1.44% (typically for Ancients).
2x: False; Extra: False; Guaranteed: 110; rate: 1.68% (typically for Voids).
2x: True; Extra: False; Guaranteed: 150; rate: 1.80% (extremely rare case).
Shard type: Sacreds
2x: False; Extra: False; Guaranteed: False; rate: 8.50%.
2x: True; Extra: False; Guaranteed: False; rate: 13.15%.
2x: False; Extra: True; Guaranteed: False; rate: 17.01%.
2x: False; Extra: False; Guaranteed: 15; rate: 14.60%.
Discussion
IIRC, 2x + Guaranteeed only happened once a long time ago for Goffred Brassclad, so do not expect it to happen in any time soon.For everyone's reference, a Guaranteed event at 127 Ancient/Void shards (1.559%) will give roughly the same leggo rate as the Extra event (1.560%). A Guaranteed event at 11 Sacred shards (16.82%) will give roughly the same leggo rate as the Extra event (17.01%).
For Void shards, the Guaranteed event at 110 shards will give the highest leggo rate.
For Ancient and Sacred shards, the Extra event will give the highest leggo rate.
Contrary to what's commonly believed (even I believed this myself, and also mentioned by many CCs), going for the 2x/Guaranteed event at low mercy count and switching to the Extra event at high mercy count will NOT make it better than going only for the Extra event. It only averages the rates over different events. In other words, always stick to the Extra leggo event (except for Void) to get the best rate. However, given the prior that you are already at a high mercy count, you will benefit more by going for an Extra event next.
This is meant to be an informative post. Use the information to your advantage. Enjoy!
2024.05.19 23:43 Organic-Second2138 5.5 years out............
5.5 years away from punching out. Will have FERS, will have SS supplement but not eligible for SS until 62
When farting around with calculators, what rate of return is a reasonable estimate for the C fund over the next 5.5 years?
10 year performance (from memory) is 12% or so. YTD is about 6%.
Based on the above, I use 8%, but that seems too high?
My plan is to stay in C for another 3-4 years and then put it somewhere more conservative. Thoughts?
submitted by Organic-Second2138 to ThriftSavingsPlan [link] [comments]
When farting around with calculators, what rate of return is a reasonable estimate for the C fund over the next 5.5 years?
10 year performance (from memory) is 12% or so. YTD is about 6%.
Based on the above, I use 8%, but that seems too high?
My plan is to stay in C for another 3-4 years and then put it somewhere more conservative. Thoughts?
2024.05.19 23:41 Embarrassed-Gas1132 [wts] BELOW SPOT DEALS ON PREMIUM BULLION! AND GOOD PRICED SEMI-NUMISMATIC SILVER!
Hello precious metal fanatics! Got some silver deals here for you! I am looking to downsize my stack.
(US shipping only) Shipping will be a flat rate $5 for ground advantage. If you have a different preferred shipping method, then I have pirate ship and can calculate other optional costs for you upon request. Zelle or Venmo are preferred.
Disclosure: I package very well and my liability ends once I physically hand your package to the carrier at the post office. I will message a photo of the receipt once shipped which includes a tracking number.
Proof: https://imgur.com/a/p6KaHss
submitted by Embarrassed-Gas1132 to Pmsforsale [link] [comments]
(US shipping only) Shipping will be a flat rate $5 for ground advantage. If you have a different preferred shipping method, then I have pirate ship and can calculate other optional costs for you upon request. Zelle or Venmo are preferred.
Disclosure: I package very well and my liability ends once I physically hand your package to the carrier at the post office. I will message a photo of the receipt once shipped which includes a tracking number.
Proof: https://imgur.com/a/p6KaHss
SEMINUMISMATIC
https://imgur.com/a/kKdeZTm- ($SOLD) 1921 Morgan dollar
- ($SOLD) 1890 Morgan dollar (gold plated or painted?) but sigma tested.
BULLIONBELOWSPOT
https://imgur.com/a/OfxEV6D- (SOLD) 2018 Lobster 1 ounce
- (SOLD) 2018 Lobster 1 ounce
- (SOLD) 2023 Sauron 1 ounce
2024.05.19 23:38 BulkyFactor1537 Can’t anyone help me with the hydraulics question (PART1)
 | Doing a past paper and only final solution is given but I got a diff answer. Help would appreciated greatly submitted by BulkyFactor1537 to Hydraulics [link] [comments] |
2024.05.19 23:36 Blurple11 How to estimate expenses in retirement?
I am 29 so just at the beginning of my retirement journey. My wife and I max out both of our Roth IRAs and then put away an additional $1000 into a brokerage per month. Using calculators I estimate with a 4% conservative to 6% optimistic real inflation adjusted return, at 65 we will have between 2.2 and 3.5M. I know about the 4% withdrawal rate to predict how much annual income I'll have from that value, but how do i estimate how much I need? Now while I'm young, a seemingly small addition to the monthly deposit can result in hundreds of thousands of dollars more accumulated over 30-35 years, but how do i know how much is enough? How do I know if I'm not saving too much and can slow it down?
submitted by Blurple11 to Bogleheads [link] [comments]
2024.05.19 23:14 snailpuppy Reject music apps, return to iPod 💖
 | I adore my custom 128gb ipod, took a lot of work to hardware mod myself but well worth it! submitted by snailpuppy to IpodClassic [link] [comments] |
2024.05.19 23:13 Traditional_Rip_9932 Emergency Aid Distribution in Yemen
I’m doing a charity walk to raise money for vulnerable women in Yemen. My goal is £50 please donate anything if you can. Thank you.
The Prophet ﷺ , said: “The believer’s shade on the Day of Resurrection will be his charity.” (Al-Tirmidhi).
Donation link: https://www.launchgood.com/v4/campaign/manyimas_epping_forest_walk_for_yemen?src=internal_comm_page
Information from the campaign:
The Yemen civil war started in 2015, leaving aside the politics and the blame it is the women and children who always suffer in conflict making up 80% of those affected. Yemen is now the worst humanitarian crisis in the world. Yemen as a nation wasn’t very rich and prosperous to start with and the war has only plunged it into an even darker place of ruthlessness.
The worst place in the world right now is Yemen. The UN has declared Yemen to be the largest humanitarian crisis in the world. With the country suffering from mass starvation, more than 80 percent of the population lacks food, drinking water and access to health care services.
How Yemen’s war weighs on women-led households To add to the issue, women, unmarried women, divorced and adolescent girls are among the most vulnerable. In a society like Yemen, men shield and protect the women from danger, abduction and sexual attacks. This crisis has created an easy environment for women to be exploited and violated of their dignity. Women are now forced to take the lead as the male guardian has either been killed or is fighting. The responsibility is now upon the women for collecting supplies for their families which make them an easy target. Women have to walk up to three hours to collect their rations of basic food for survival and then have to make the same journey back, carrying both food and their children in their arms in the unbearable heat of over 45 degrees over barren land. Access to basic food is not always available and as a result women are the most malnourished and children are dying from starvation.
The UN says that tens of thousands of people in Yemen are currently living in famine-like conditions, while some six million people are on the verge of famine.
Updates from the ground 1. The war continues and is getting worse 2. Famine and unemployment are at its peak, no source of income or food 3. Deadly diseases are widespread, many have lost their lives / loved ones 4. Food and medication are lacking across the country 5. The rate of disability is increasing, women and children have lost limbs due to the war and land mines 6. More children are born with disabilities due to malnutrition and chemicals
The rise in prostitution Yemen has been grappling with a severe economic crisis, many women are suffering as they cannot provide basic meals for their children, women are lucky to eat one meal a one, and many have resorted to begging in the streets of Yemen. To add, there is a humanitarian crisis, with millions of people in need of basic aid, the lack of has heightened the desperation. Combining the economic and humanitarian situation, some, particularly women turn to prostitution as a means of survival. The lack of livelihood opportunities and income often forces them into sex work.
Selling of children With the suffering of war, extreme poverty and famine, some families are forced to sell their children in return for a salary to be recruited for combat purposes because they are unable to provide living necessities, young girls are sold to take part in armed operations or to marry fighters. Some children are as young as 8 years old who are exploited for smuggling purposes. More common are child marriages which is seen as a way out of poverty, child marriage is a financial transaction and is decided based on short-term economic reasons, underage girls are married off for a few hundred dollars.
What we are doing: To combat the sex for aid, exploitation of these vulnerable women and the pressure women face for survival, Forgotten Women focuses on delivering ‘Safe Aid’ which in basic terms means aid for women by women, we only allow women on the front line to deliver aid in a safe manner.
submitted by Traditional_Rip_9932 to fundraiser [link] [comments]
The Prophet ﷺ , said: “The believer’s shade on the Day of Resurrection will be his charity.” (Al-Tirmidhi).
Donation link: https://www.launchgood.com/v4/campaign/manyimas_epping_forest_walk_for_yemen?src=internal_comm_page
Information from the campaign:
The Yemen civil war started in 2015, leaving aside the politics and the blame it is the women and children who always suffer in conflict making up 80% of those affected. Yemen is now the worst humanitarian crisis in the world. Yemen as a nation wasn’t very rich and prosperous to start with and the war has only plunged it into an even darker place of ruthlessness.
The worst place in the world right now is Yemen. The UN has declared Yemen to be the largest humanitarian crisis in the world. With the country suffering from mass starvation, more than 80 percent of the population lacks food, drinking water and access to health care services.
How Yemen’s war weighs on women-led households To add to the issue, women, unmarried women, divorced and adolescent girls are among the most vulnerable. In a society like Yemen, men shield and protect the women from danger, abduction and sexual attacks. This crisis has created an easy environment for women to be exploited and violated of their dignity. Women are now forced to take the lead as the male guardian has either been killed or is fighting. The responsibility is now upon the women for collecting supplies for their families which make them an easy target. Women have to walk up to three hours to collect their rations of basic food for survival and then have to make the same journey back, carrying both food and their children in their arms in the unbearable heat of over 45 degrees over barren land. Access to basic food is not always available and as a result women are the most malnourished and children are dying from starvation.
The UN says that tens of thousands of people in Yemen are currently living in famine-like conditions, while some six million people are on the verge of famine.
Updates from the ground 1. The war continues and is getting worse 2. Famine and unemployment are at its peak, no source of income or food 3. Deadly diseases are widespread, many have lost their lives / loved ones 4. Food and medication are lacking across the country 5. The rate of disability is increasing, women and children have lost limbs due to the war and land mines 6. More children are born with disabilities due to malnutrition and chemicals
The rise in prostitution Yemen has been grappling with a severe economic crisis, many women are suffering as they cannot provide basic meals for their children, women are lucky to eat one meal a one, and many have resorted to begging in the streets of Yemen. To add, there is a humanitarian crisis, with millions of people in need of basic aid, the lack of has heightened the desperation. Combining the economic and humanitarian situation, some, particularly women turn to prostitution as a means of survival. The lack of livelihood opportunities and income often forces them into sex work.
Selling of children With the suffering of war, extreme poverty and famine, some families are forced to sell their children in return for a salary to be recruited for combat purposes because they are unable to provide living necessities, young girls are sold to take part in armed operations or to marry fighters. Some children are as young as 8 years old who are exploited for smuggling purposes. More common are child marriages which is seen as a way out of poverty, child marriage is a financial transaction and is decided based on short-term economic reasons, underage girls are married off for a few hundred dollars.
What we are doing: To combat the sex for aid, exploitation of these vulnerable women and the pressure women face for survival, Forgotten Women focuses on delivering ‘Safe Aid’ which in basic terms means aid for women by women, we only allow women on the front line to deliver aid in a safe manner.
2024.05.19 23:13 -myxal [Sandbox] compact H2 vent tamer
![[Sandbox] compact H2 vent tamer](https://external-preview.redd.it/01kQFazUYmbGmJxLJyL99AvnTPY_6DgM_JCY0vWt9NU.jpg?width=320&crop=smart&auto=webp&s=aeab5eec335e9b2f2a96613dfbd9f6901a0eedb4 "[Sandbox] compact H2 vent tamer") | Imgur submitted by -myxal to Oxygennotincluded [link] [comments] Self-cooled steam turbines with 3 ports open, according to prof. Oakshell's calculator, are capable of cooling down just under 200 g/s of hydrogen from 500°C down to 125°C. While eruption rates on vents vary significantly (and this may necessitate keeping the extraction door powered, and/or enlarging the eruption chamber), active period average are typically below 170 g/s, thus a single turbine should just about keep up with the heat from almost every H2 vent. https://preview.redd.it/l86zqns19g1d1.png?width=1920&format=png&auto=webp&s=13c38bf41712ffd6f73745306e9e63271faccd31 The mechanised airlock works as a door pump - elements trapped in a door are evacuated from the top/right cell of the airlock. Diagonal gas movement allows the hydrogen move out of the door, into the infinite storage chamber. https://preview.redd.it/a2p1brg39g1d1.png?width=1920&format=png&auto=webp&s=753225839e081fc238be2b3d85c9d20db206c9bc Aluminium tempshift plates - left one to immediately inject heat into tiles, right one to add thermal mass that boils water discharged by the turbine. https://preview.redd.it/spkj68q69g1d1.png?width=1920&format=png&auto=webp&s=5f506a0331703b28cf34253764d4c0fcd772a3a9 No real science/calculations behind the 60kgs figure, just something that worked for me. A note about starting this up: If you pour the water in through the vent while the build is cold, you'll probably split the naphtha into 2 blobs and leave only one turbine inlet open. Wait for the build to get up to temp (110-135°C), and then slowly pour in the water. Hot water (from another turbine, etc.) recommended. Another alternative is to leave a 60kg bottle sitting on the aluminium tile, though be cautious of slow heat transfer. https://preview.redd.it/t64sjur89g1d1.png?width=1920&format=png&auto=webp&s=486cf1c31e8c0505679c6edba7b1a93be8b95791 It's important that liquid next to the vent is of high mass - otherwise the vented turbine water might push it out of place. https://preview.redd.it/284wk6pa9g1d1.png?width=1920&format=png&auto=webp&s=be3037e23cea3e163c29dbd17e2a855ac3328d63 Atmo sensor to prevent vacuuming. 6s/6s timer is about the fastest unpowered airlock can manage, and just about keeps up with a 286 g/s eruption. I've seen eruption rates as high as 744 g/s, you might want to use a powered airlock for that, or anything above 300 g/s, I reckon. https://preview.redd.it/fn65wdncbg1d1.png?width=1920&format=png&auto=webp&s=772cc12f23aa93b255ac3846a693b60e0250deba Gas bridge to add more mass to boil the water. https://preview.redd.it/o32suvcc9g1d1.png?width=1920&format=png&auto=webp&s=02f51ea3de0b9d3d2fa9aa910f1a907c374ae5df Unnecessarily long turbine piping. |
2024.05.19 23:10 Lichloved_ The Giants of Kilima Lake: Fishing the Midnight Paddlefish, Giant Kilima Stingray, and the Ancient Fish
 | Grand totals and percentages for a sample of 2072 fish at Fisherman's Lagoon (Kilima Lake using Glow Worms), caught between 5/12/24 and 5/19/24 submitted by Lichloved_ to Palia [link] [comments] Hello friends and fisher-scholars, Sugar Sensitivity here with my weekly obsession! After nabbing the Long-Nosed Legends along the Bahari Coast in my last post, I set my sights on what's become my favorite fishing spot in the game. Not only can I get a nice take of trout during the day phase, Einar is right there to unburden the mountains of fish in my inventory between phases, so data-gathering is quick, easy, and tidy! But most importantly ... a flux of fisherfolk are frequently found there, familiar faces that foster fast friendships! (There are almost always lovely people to meet at the docks and fish with, making that x5 bonus easy to come by!) Impromptu fishing party at Einar's docks! The best name I've ever seen. If you see this, you're my hero. ResultsAs a general statement, the information presented here is a snapshot of one person’s experiences and may differ from the actual catch rates in place behind the scenes. There may be factors I have not considered, or insights I have yet to discover about fishing, and this data may only apply to the current patch at the time of posting (0.179). I encourage other fisher-scholars to replicate this design or improve upon it so the most accurate information is available to us all!The findings of this particular ichthyological foray are presented here. Full descriptions of data by session are available in the final images attached on this post. It should be noted, the Ancient Fish only becomes available after completing the quest Something's In the Water. These catch tables would show significantly different results without that fish available to catch. Giants of Kilima Lake: Grand Totals Total Sample Size: 2072 Day Sample: 910
This new entry method also makes the process much easier to replicate across other biomes and future expeditions! So lovely folks that read these silly things, I ask you in regards to my next mission(s): Where should Sugar go next? What rare fish could he pursue on his next study? Are there any biomes or phase-specific catches you'd like to see explored? Until next time then, may the luck of all fisher-scholars be with you in your quest for these giants of Kilima Lake! Kilima Lake - Glow Worms (Day) Kilima Lake - Glow Worms (Evening) Kilima Lake - Glow Worms (Night) Kilima Lake - Glow Worms (Morning) |
2024.05.19 23:08 NefariousnessNext840 Navigating Retirement Savings: Balancing Aspirations with Realistic Growth Expectations.
Hi everyone,
I wanted to share some insights and calculations regarding my retirement savings and get your thoughts and feedback.
1. Pension Fund:
These projections provide a realistic outlook on my potential retirement savings, assuming a 2.5% annual increase in contributions to account for inflation and an 8.8% CAGR for long-term growth. I welcome any feedback or insights you may have—thank you!
While I've considered increasing my monthly contributions further, I believe I have found an optimal balance. This balance allows me to invest wisely for the future while still enjoying my present lifestyle without compromise. Additionally, I maintain a safety net by saving six months of my income in an easy-access cash ISA, currently earning a 5.10% AER (variable tracker).
I also explored the possibility of retiring at 60 and ran the numbers to see if I could reach a total combined balance of £1,000,000 without significantly sacrificing my current lifestyle. Unfortunately, achieving this goal would require more budget tightening than I'm comfortable with. As a result, I've decided to continue working until the State Pension Age (SPA) to build a more robust financial foundation.
Given the current state pension for 2024, which provides about £11,500 per year, integrating this into my financial plan could make a significant difference. If I retired at 60, a 4% yearly withdrawal rate from my savings would be necessary until the state pension begins. However, this approach would leave less room for unforeseen expenses or market fluctuations, adding a level of risk I'm trying to avoid.
By opting to work until 67, I enhance my financial stability, ensuring that my retirement savings can support not only my basic needs but also my aspirations for travel, personal interests, and a stress-free retirement. This strategy helps me balance a comfortable lifestyle now while safeguarding against outliving my savings, given the potential for a longer lifespan.
As someone who is very meticulous and analytical, I've delved deeply into these calculations to ensure thorough understanding and robust planning. Do you have any strategies or thoughts on balancing these trade-offs? I'm always looking for new perspectives on optimising retirement planning to align financial security with personal fulfilment.
submitted by NefariousnessNext840 to FatFIREUK [link] [comments]
I wanted to share some insights and calculations regarding my retirement savings and get your thoughts and feedback.
Background
I'm planning for retirement at 67, which is the state pension age in the UK. Here's an overview of my current savings:1. Pension Fund:
- Current Balance (2024): £55,381.10
- Monthly Contributions: Regular contributions, increasing by 2.5% each year to account for inflation
- Historical 5-Year CAGR: 17.59%
- Current Balance (2024): £38,466.72
- Average Monthly Contributions: Regular contributions, increasing by 2.5% each year to account for inflation
- Historical 9-Year CAGR: 10.99%
Projections
To get a realistic view of my potential retirement savings, I compared the historical fund CAGRs with a more conservative, realistic CAGR of 8.8%.Using Historical Fund CAGRs:
- Pension Fund (17.59% CAGR): Projected balance at 67: £5,482,198.93
- S&S ISA (10.99% CAGR): Projected balance at 67: £801,706.73
- Combined Total: £6,283,905.66
Using a Realistic CAGR (8.8% for both funds): EDIT: Added in adjusted for inflation section, which was an oversight on my part.
- Pension Fund: Projected balance at 67: £856,421.94
- S&S ISA: Projected balance at 67: £613,671.39
- Combined Total: £1,470,093.33
- Adjusted For Inflation Total: £653,024.12 (wow that's a massive difference)
Year-by-Year Growth (8.8% CAGR) from 2024:
| Year | Pension Balance (£) | S&S ISA Balance (£) | Combined Balance (£) | Inflation-Adjusted Combined Balance (£) |
|---|---|---|---|---|
| 2024 | 55,381.10 | 38,466.72 | 93,847.82 | 93,847.82 |
| 2025 | 63,468.24 | 44,251.79 | 107,720.03 | 105,097.79 |
| 2026 | 72,347.38 | 50,605.95 | 122,953.33 | 116,719.37 |
| 2027 | 82,090.24 | 57,580.77 | 139,671.01 | 128,750.79 |
| 2028 | 92,774.88 | 65,232.42 | 157,007.31 | 141,233.30 |
| 2029 | 104,486.28 | 73,622.02 | 178,108.30 | 154,211.10 |
| 2030 | 117,316.96 | 82,816.14 | 200,133.10 | 167,731.41 |
| 2031 | 131,367.65 | 92,887.22 | 224,254.87 | 181,843.79 |
| 2032 | 146,747.96 | 103,914.15 | 250,662.11 | 196,599.91 |
| 2033 | 163,577.24 | 115,982.76 | 279,560.00 | 212,054.07 |
| 2034 | 181,985.39 | 129,186.51 | 311,171.90 | 228,263.64 |
| 2035 | 202,113.78 | 143,627.13 | 345,740.91 | 245,289.99 |
| 2036 | 224,116.31 | 159,415.32 | 383,531.63 | 263,197.70 |
| 2037 | 248,160.48 | 176,671.60 | 424,832.08 | 282,055.64 |
| 2038 | 274,428.59 | 195,527.13 | 469,955.72 | 301,935.35 |
| 2039 | 303,119.04 | 216,124.66 | 519,243.70 | 322,914.08 |
| 2040 | 334,447.76 | 238,619.54 | 573,067.30 | 345,074.06 |
| 2041 | 368,649.77 | 263,180.87 | 631,830.64 | 368,502.00 |
| 2042 | 405,980.83 | 289,992.67 | 695,973.50 | 393,289.05 |
| 2043 | 446,719.26 | 319,255.21 | 765,974.74 | 419,530.62 |
| 2044 | 491,167.98 | 351,186.43 | 842,354.41 | 447,326.47 |
| 2045 | 539,656.62 | 386,023.52 | 925,680.14 | 476,781.15 |
| 2046 | 592,543.90 | 424,024.58 | 1,016,568.48 | 508,004.47 |
| 2047 | 650,220.21 | 465,470.52 | 1,115,690.73 | 541,112.83 |
| 2048 | 713,110.34 | 510,666.99 | 1,223,777.33 | 576,230.51 |
| 2049 | 781,676.57 | 559,946.62 | 1,341,623.19 | 613,488.30 |
| 2050 | 856,421.94 | 613,671.39 | 1,470,093.33 | 653,024.12 |
While I've considered increasing my monthly contributions further, I believe I have found an optimal balance. This balance allows me to invest wisely for the future while still enjoying my present lifestyle without compromise. Additionally, I maintain a safety net by saving six months of my income in an easy-access cash ISA, currently earning a 5.10% AER (variable tracker).
I also explored the possibility of retiring at 60 and ran the numbers to see if I could reach a total combined balance of £1,000,000 without significantly sacrificing my current lifestyle. Unfortunately, achieving this goal would require more budget tightening than I'm comfortable with. As a result, I've decided to continue working until the State Pension Age (SPA) to build a more robust financial foundation.
Given the current state pension for 2024, which provides about £11,500 per year, integrating this into my financial plan could make a significant difference. If I retired at 60, a 4% yearly withdrawal rate from my savings would be necessary until the state pension begins. However, this approach would leave less room for unforeseen expenses or market fluctuations, adding a level of risk I'm trying to avoid.
By opting to work until 67, I enhance my financial stability, ensuring that my retirement savings can support not only my basic needs but also my aspirations for travel, personal interests, and a stress-free retirement. This strategy helps me balance a comfortable lifestyle now while safeguarding against outliving my savings, given the potential for a longer lifespan.
As someone who is very meticulous and analytical, I've delved deeply into these calculations to ensure thorough understanding and robust planning. Do you have any strategies or thoughts on balancing these trade-offs? I'm always looking for new perspectives on optimising retirement planning to align financial security with personal fulfilment.