clavalle

92 ms·

811.
by clavalle 13y ago
I love St. Louis. Certain parts have a European feel that no other city outside of Canada has. There are a lot of extremely bright, hard working people there too. It is odd. It is a city that seems to not know how much untapped talent i
812.
by clavalle 13y ago
"Working the organization" is generally a low value activity as far as the organization is concerned. What good does it do anyone aside from the schmoozer and the schmoozee that some middle manager at Apple is good as schmoozing?
813.
by clavalle 13y ago
You need to ask yourself what your replacement cost is, not how much value you are adding. Sure, you're a drop out, but if you have an in-demand skill set replacing you is not going to be cheap.
814.
by clavalle 13y ago
I am not entirely sure that 'relative to other fields' is a useful metric in this case. Maybe if we could restrict those fields to others in the middle of a boom or otherwise in a fierce competition for talent...petroleum and othe
815.
by clavalle 13y ago
That philosophy certainly shrinks the pool of potential founders.
816.
by clavalle 13y ago
Americans colleges are obsessed with leadership because it is one of the United States' main exports and profit centers. Look at Silicon Valley. What is the whole phenomena of technical innovation about if not leadership?
817.
by clavalle 13y ago
Owners of rental properties wish to make a profit. Therefore renting is more expensive, month to month, than owning a property even after factoring in all costs involved. The only time this isn't true is if the owner has a very old mo
818.
by clavalle 13y ago
>If those funds can be taken to the bank each month to pay off a mortgage, why can those same funds not be taken to the bank to deposit into a retirement/savings/investment account? Because you have to live somewhere.
819.
by clavalle 13y ago
That's true. And the real risk in buying a primary residence is in churn costs which are relatively huge and take years to make up.
820.
by clavalle 13y ago
>I personally do not think of forced savings as a benefit; That is true only if the alternative is doing something financially productive. In this case the alternative is spending the money. You are seeing the house as an investment. Y
821.
by clavalle 13y ago
Not me. Maybe I've seen too much big money fraud, but sometimes the combined weight of a very wealthy and powerful federal government is all we have separating the mostly civil society we have now to one where we are constantly being b
822.
by clavalle 13y ago
The problem with your analysis is 'in general'. There are a lot of kids who fall into the Mariana trench size cracks of 'in general'.
823.
by clavalle 13y ago
You are not understanding. I am not saying it is a safe /investment/ I am saying it is a safe(ish) /value store/. There is a big difference. Your comment is the equivalent of saying "Saving accounts are not a safe
824.
by clavalle 13y ago
My point is this: The problem with the comparison of what you can invest if you don't buy a house is that you have to have the cash for plowing into other investments and still pay for a place to live. The only money you really have t
825.
by clavalle 13y ago
Of course they are separable. If you are buying a home to live in rather than an investment you can ride out the odd declining market. Seems like people have a lot of 'once bitten, twice shy' syndrome when it comes to housing. Ma
826.
by clavalle 13y ago
I think most people in this thread are not talking about buying a house as an investment, but rather, as a value store compared to rent.
827.
by clavalle 13y ago
To your points: Property tax is factored into rent so you are paying it one way or another. Your return on your 'down payment' has to be well above average to make up for your otherwise 100% loss on rent. And there is insurance y
828.
by clavalle 13y ago
All of you are giving good advice but I just have to chuckle at how quickly you all proved OPs point.
829.
by clavalle 13y ago
So, a marketer is upset that marketing wordplay has been applied to the act of marketing? I've never seen growth hacking as anything other than marketing but with a focus on trying the unusual or the usual in a different way and measur
830.
by clavalle 13y ago
I can agree with your point that nobody quite reaches the scale of the US. I mean, I am not suggesting Uganda has huge data warehousing and analysis compounds or anything absurd like that. But I do suggest that every country is doing what t
831.
by clavalle 13y ago
Here's the thing: Every country that CAN collect data IS collecting data. If they are manufacturing anything that can be hacked to collect data and they can feasibly get away with it (read: there is no independent oversight), you can b
832.
by clavalle 13y ago
Well, just spot checking Wisconsin (because that is the first state to come up when I googled 'election day voter registration' requires a valid driver's license for same day registration. So, no, not exactly like that.
833.
by clavalle 13y ago
An electricity bill /and/ being registered in your district. It is not like you can take an electricity bill to any poll location and vote. 20 Euros might not seem like much but if you are making minimum wage it can be significan
834.
by clavalle 13y ago
> I see the "wisdom of those who came before" embodied, not in governments, but in social structures and organizations that people create and join voluntarily I see it in both. Though I would be willing to entertain the idea t
835.
by clavalle 13y ago
Clever is great. I've had the pleasure of working with them on behalf of some clients. Their company and API is a breath of fresh air in a space that has historically been very complicated and messy. I would love to see a Clever in th
836.
by clavalle 13y ago
http://www.drivethrucards.com/index.php as well. The unofficial home of print and play card games on the net.
837.
by clavalle 13y ago
>I do, which means it isn't government regulations that are stopping my next door neighbor from starting a pig farm, but the voluntarily adopted by-laws of the community, funded by the dues paid by homeowners. Do you have any eviden
838.
by clavalle 13y ago
So, I did some more detailed calculations on a $500,000 home with closing costs included. I left out property taxes because I assumed anybody renting would recoup property taxes through increased rent. So, assuming rent + taxes == mortgage
839.
by clavalle 13y ago
So, I did some more detailed calculations on a $500,000 home with closing costs included. I left out property taxes because I assumed anybody renting would recoup property taxes through increased rent. So, assuming rent + taxes == mortgag
840.
by clavalle 13y ago
Fair enough. I fell into hyperbole... Of course when you are down to a 1% storage of wealth other investments become much more attractive. You could rent the equivalent house (assuming price is the same) and be confident that you could ma

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