cko

26 ms·

241.
by cko 5y ago
But they're inherently cheap! And more addictive, apparently, based on how my friends crave them all the time.
242.
by cko 5y ago
I'm year two into this and I have to say I feel like 80% of my time has been wasted. What did you do before you took time off and what did you do after the 8 years?
243.
by cko 5y ago
I don't own any crypto, yet I don't see BTC going to zero. It may already have network effects.
244.
by cko 5y ago
The standard advice is to have enough cash reserves to cover all your mortgages for 6-12 months. It's been more than 12 months but most conforming loans have been able to get forbearance, and yeah, not sure why selling one wasn't
245.
by cko 5y ago
Interesting. What are the dangers (as a non-woman)? Any safety tips? I thought about living with gypsies at some point. They are probably not dangerous.
246.
by cko 5y ago
Years ago I saw an ad on Facebook for a merino wool sneaker. It looked clean and minimalistic. I happened to enjoy wearing shoes without socks, so I clicked on the link and immediately bought a pair of Allbirds. (Years later I read that All
247.
by cko 5y ago
I'm not sure about the more equity part. You mean you would put down a higher down payment? Because once the house is paid off there would be more equity for the more expensive house.
248.
by cko 5y ago
I've made Romania (Cluj, specifically) my home for almost two years now (I'm originally from the US). I love it here! There's too many cars zipping around this city, and rents are actually quite expensive relative to local wa
249.
by cko 5y ago
I think if you can live long enough in a healthy state, eventually you'd acquire enough wealth to change your circumstances (configuration?) however you want. I think that would add at least 50 years of novelty. I tend to agree it prob
250.
by cko 5y ago
Many years ago my uncle told me eggs were bad because cholesterol. So naturally, I ate 6-8 eggs a day for a few weeks, then went for a lipid panel. My HDL went from 50 to 60 and my LDL went from 80 to 70. I think I had two ramen noodles rig
251.
by cko 5y ago
A 15-20 hours a week job sounds quite pleasant. I wouldn't mind working 3-4 hours a day. I would mind 8-10 hours though.
252.
by cko 5y ago
I am definitely risk-averse. For that reason my savings rate is still pretty high despite a much lower income nowadays. So my only risk mitigation is "spend as little as possible without feeling deprived" - but sure, everything ca
253.
by cko 5y ago
His old posts are so entertaining. His daily posts have taken on this 'political rants' flavor which isn't very interesting to me.
254.
by cko 5y ago
I've never been a big spender and I likely never will be, so it's not like I sacrificed much in getting to this point. An 80% saving rate for 9 working years while being lucky to invest starting 2011 goes pretty far. If financial
255.
by cko 5y ago
About losing all motivation after financial independence, I've experienced it for myself. I'm not rich but I know how to live simply. What do I do with my time? I spend so many hours consuming random content on the internet nowad
256.
by cko 5y ago
Why are two different users quoting IASIF? Am I missing something?
257.
by cko 5y ago
Wow what an email. Scathing indeed. If it means anything, it looks like that email wasn't referring to the author of the blog posts (which I've been consuming and appreciating quite regularly).
258.
by cko 5y ago
Woah, so that's what they are. Whenever I'm visiting the countryside and I ask younger Romanians what those mounds are, they have no idea. I thought maybe it was for storing plum alcohol.
259.
by cko 5y ago
Yup. And the heavier the equipment used against civilians, the greater the anti government resistance. The military will run out of Apaches and Abrams long before the people run out of ideology/anger.
260.
by cko 5y ago
It's not possible to out-tech or overpower the US military, but tell that to the guys fighting against our troops overseas with Toyotas and IEDs. An armed (and determined) populace is quite a good deterrent.
261.
by cko 5y ago
Well, since I clicked, I might as well provide a link to actual visuals (you know, it being a visual contest and all): https://abc7.com/wins-miss-nevada-kataluna-enriquez-transgen...
262.
by cko 5y ago
Though Bitcoin does have brand name recognition. And being listed on major exchanges. Is that what they refer to as network effects, btw? And if it's akin to religion or a well known brand, it could be easily cloneable but not easily a
263.
by cko 5y ago
No, they are arguing with the heuristic 'if it's bad to inhale, it's probably bad to ingest.' They provided examples in which this wasn't the case. No one is saying smoke inhalation is harmless. But to conclude it s
264.
by cko 5y ago
Tinder is not for most people. You're competing against the top 5% (in looks) who have photos of themselves shirtless on a yacht party or something. I lived in suburban NJ and got zero matches. When I moved to a young friendly and popu
265.
by cko 5y ago
I have to weigh in on this. Based on my observations, on offense (and in a team situation), skill trumps height. On defense, there's no way a much shorter player can reliably guard a taller player. And definitely not one on one. I&#x27
266.
by cko 5y ago
Oh wow. I'm living happily in Transylvania now and had no idea. I thought the rest of Romania was all green. Are bordering countries like Serbia and Bulgaria affected by this? This can't be the only country with unsustainable agri
267.
by cko 5y ago
I'm glad I saw this. While reading and feeling bad for him, I wondered what I would have done if I saw that reddit pic without context, and then read the mob of comments. Perhaps I would have upvoted some mean comments, or laughed at t
268.
by cko 5y ago
She's great. I'm sad I only heard about her recently. Really level-headed analysis.
269.
by cko 5y ago
In terms of inflation, this is a very thoughtful piece shared recently on HN: https://www.lynalden.com/inflation/ She talks about the difference between broad money and base money supply. In terms of stock prices, goin
270.
by cko 5y ago
In my past life as a landlord, I bought a few townhome units in various Texas suburbs. I think it was profitable because it's hard to screw up buying any asset in the early 2010s. The thing I didn't like about being a landlord was

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