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

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

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

Treasuries are nice because they’re convenient and low buy-in, but their yields are crap, sometimes a little above inflation, sometimes below. TIPS are a decent way to hedge the inflation risk, but (IMO) it’s still really for people who are more worried about losing their savings than living off it. (i.e.: if you have, say, $1e8, you can live pretty comfortably off $1e6, even $1e5 in a lean year, so your rate of return doesn’t really matter)

For me, personally, the limited bond exposure I have is all corporate and mostly junk, bought through my broker in the secondary market, with maturity 10-20 years out. Until fairly recently, junk bonds were the only way to get yields above 4%, and that’s kind of my mental benchmark for gaining relative to inflation. One downside of corporate bonds is they generally have a $10k minimum.

That drop was when the Fed was raising interest rates to stall inflation. Interest rates up, bond values down. But the drop in VTINX was only 20% over all of 2022, where OP is showing 50% in maybe the first quarter.

Incidentally, the sensitivity to interest rates is why I don’t like bond funds. If you buy actual bonds, you get the face value back at maturity, where bond fund are forced to mark them all to current market prices to calculate NAV. IMO, this negates the main “safe” factor in holding bonds.

You can’t melt through snow or ice by spinning your tires.

Yeah, OP isn’t telling us everything. He’s got a 50% decline in what looks like January 2022, where FSKAX and VTI were off by ~10%. Half that drop looks like it happened on one day. In fact, now that I look at it, it’s kind of reminiscent of a BTC chart.

No. If you’ve been saving for 30 years, then you’ll have 30 years of accumulated 10±20% annual gains, which should be something like 16x your start, but could be 100x if you’re lucky or 1x if you’re not. Regardless, an historic crash on retirement day may take that down to 12x your start, which is still pretty good, and will be fixed by the following couple years.

My folks have been spinning off their treasures for a couple decades now. They waited until their kids had already established & furnished their own households, so a lot of it ended up in the category of “Yes, I can put this in the trash for you.”

Lifespans are at the awkward stage where the kids are too old and the grandkids too young to want any of those household staples.

I really hope there’s a store called “Dead People’s Stuff.”

I get political spam addressed to three different people who used to have my number. Real estate spam for one of them. Temp job offers for another. It’s annoying af going on four years.

https://wwwrcamnl.wr.usgs.gov/isoig/period/pb_iig.html

Lead-204 is the only isotope that doesn’t derive from radioactive decay, and it represents only 1.4% of the lead on earth.

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

CPUs have so many cores these days, that seems like a perfectly reasonable option. Declare a process ‘security sensitive,’ give it it’s own core & memory, then wipe it when done.

You forget that a lot of the country thinks its problems can all be solved by jailing or shooting the appropriate target. Words bad; punishment good.

Does his vote still count if he dies between now and then? One of the infamous “dead people voting.”

That took 2 months. She served 4 days while deputies were empowered by another court case to do her job and right-wing nutjobs paid her bills. Then she met the Pope.

A Georgia election official who gums up the works for two months to give cover to a Trump victory is getting a big promotion.

Yeah, if this is what it takes to get new design nuclear facilities in the US, then I’m counting it a win, but I won’t count it either way until the watts come out. Who knows: if they run ok, an actual power company might even try one.

Doesn’t matter: there’s no one to enforce the judge’s ruling and no penalty for refusing, so anyone who does decide not to certify an election faces…sternly worded letter? lawsuit? contempt of court if that goes against them?

As we saw through Trump’s first term, laws only work if there are penalties, and penalties only work if there is someone to enforce them.

There’s really a two tiered structure to academia that seems to be hidden from most students. Maybe even 3 tiered. There’s the tenure-track research faculty who might teach one class per semester (often less) - they’re still underpaid relative to industry equivalent jobs, but they get their research freedom and low six figures after a few years while bringing in seven figure research grants for the university. Mid-six-figures if they’re upper admin. There’s non-tenure-track adjuncts & academic professionals who teach 3-5 classes per semester, often at multiple universities because no one will give them enough classes to live on, doing the bulk of a university’s teaching, especially at ‘tier 1 research’ universities, and they’re lucky to get median salary. There’s also a set of tenure-track faculty at universities without big research programs who teach 2-3 classes, maybe do a little bit of research or literature review, but probably without any significant extramural funding. They get paid somewhere in between.

They all get called “professor;” they all have PhDs; there’s infighting to keep the faculty as a whole from rising up. I used to tell my students they (or someone on their bahalf) paid about $200 for each of my lectures, and they’re free to skip them if they want, but even in a tiny seminar, 10 students, $2000/hour revenue, the highest paid professors are only getting 5% of that (not accounting for out-of-class effort).

My 80-year-old mother is stil hooked on Hay Day (2012 Farmville clone). She doesn’t alarm-clock overnight events any more, but that could be because she can’t sleep through the night now. Got a team of other old ladies around the world for contests, and it’s right on the edge of where I think it’s great that she’s got something to keep her engaged versus might need an addiction intervention.

I’m not sure that one 69-year-old wall puncher really counts as ‘going up,’ but bones that old get pretty brittle.