continuously paid) the less money you will get over the year and the higher the opportunity cost (because you could have invested your paychecks earlier the lower the frequency). Therefore the more frequently you get paid (with the lowest frequency 1 and the highest infinity i.e. Due to inflation each paycheck is worth slightly less than the last (assuming they stay constant throughout the year). This means investing the full sum immediately yielded more value. If you invest 50% of the lump sum at the beginning and middle of the year you get accrual on only the first lump sum and half the accrual on the second (assuming a fixed rate). If you invest once per year at the beginning of the year that single lump investment accrues value throughout the year. Assume both yield and inflation are constant (this will rarely be true in reality). Think of investment in financial instruments with positive yield compared to inflation. I take issue with "getting the same amount". We have compiled lots of useful information such as full explanations of our rules, CMV etiquette, archives, research papers on CMV, and some more general information about the subreddit in our wiki.įor anyone interested in how we moderate this subreddit, we have our approach laid out over at our mod standards page. More info on when/why we remove posts in our moderation standards More Information Follow us on Duplicate PostsĪny post that is identical in principle to a post made in the last 24 hours will be removed to reduce topic fatigue. FTF is an attempt to reduce topic fatigue. On Fridays, posts can't be highly similar to any other in the past month, and won't show up in the new queue until they've been checked and approved by a moderator. Please report cases of delta abuse/misuse, accidental deltas, and failed delta attempts.Ĭode on GitHub: DeltaBot / CMVModBot Monthly Deltaboard Rank How to not earn a delta: Anti-delta Approach. u/DeltaBot will maintain delta counts in user flair, wiki pages for each user's delta history, record deltas in /r/DeltaLog, and update deltaboards where necessary. Whether you're the OP or not, please reply to the user(s) that change your view to any degree with a delta in your comment (instructions below), and also include an explanation of the change. Jokes, contradictions without explanation, links without context, and "written upvotes" will be removed. ▾Ĭomments should be on-topic, serious, and contain enough content to move the discussion forward. Ĭomments must contribute meaningfully to the conversation. Delta abuse includes sarcastic deltas, joke deltas, super-upvote deltas, etc. You must include an explanation of the change along with the delta so we know it's genuine. Īward a delta if you've acknowledged a change in your view. If you think they are still exhibiting poor behaviour, please message us. If you are unsure whether someone is genuine, ask clarifying questions (see: socratic method). Refrain from accusing OP or anyone else of being unwilling to change their view, or of arguing in bad faith. Your comment will be removed even if the rest of it is solid. ▾Īrguments in favor of the view OP is willing to change must be restricted to replies to other comments. ĭirect responses to a CMV post must challenge at least one aspect of OP’s stated view (however minor), or ask a clarifying question. If you haven't replied during this time, your post will be removed. Only post if you are willing to have a conversation with those who reply to you, and are available to start doing so within 3 hours of posting. No view is banned from CMV based on popularity or perceived offensiveness, but the above types of post are disallowed for practical reasons. Posts cannot express a neutral stance, a stance on transgender, suggest harm against a specific person, be self-promotional, or discuss this subreddit (visit r/ideasforcmv instead). Posts with misleading/overly-simplistic titles may be removed. Submission titles must adequately sum up your view and include "CMV:" at the beginning. Posts by throwaway accounts must be approved through modmail. You must personally hold the view and demonstrate that you are open to it changing.▾Ī post cannot be made on behalf of others, for playing devil's advocate, as any entity other than yourself, or to "soapbox". Note: if your view is about a "double standard", please see the guidelines here. More Detail Message the Moderators Submission RulesĮxplain the reasoning behind your view, not just what that view is (500+ characters required). Submit a CMV post Deltas from Popular Topics Search CMV What is /r/changemyview?Ī place to post an opinion you accept may be flawed, in an effort to understand other perspectives on the issue.Įnter with a mindset for conversation, not debate.
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