dsizzle

26 ms·

331.
by dsizzle 5y ago
Yes, my calculation ignored property tax, repairs, etc. I thought you were making a claim that being at the inflation level meant leverage wouldn't help you. I agree you'd have to take the total cost into account before deciding w
332.
by dsizzle 5y ago
Yeah, I did not expect the comments of a pro-offline-first article to be filled with complaints that he didn't consider lots of places don't have reliable internet!
333.
by dsizzle 5y ago
If it moves exactly with inflation, then levering up actually is savvy. Ex: if inflation is 1% and you put down 5%, your return in real dollars is nearly 20%.
334.
by dsizzle 5y ago
Looks like the answer is in the middle of our guesses: your link says the median down payment is 12% for all buyers.
335.
by dsizzle 5y ago
Do you mean 5X? I believe 20% down is more common. If you do only put down 5% you'll also have PMI on top of interest. That said, your point stands that it's easy to get low interest leverage. Another related point that I think is
336.
by dsizzle 5y ago
The paper cites this study, which substantiates these claims https://www.tandfonline.com/doi/pdf/10.1080/07853890.2017.13... Also on the topic of cheaper, at the end of the original paper is some evidence tha
337.
by dsizzle 5y ago
I'm not sure the effect of obesity is that massive. Look at the curves in Fig 2 here https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6503652/bin/VHR... From the text of that paper it looks like being o
338.
by dsizzle 5y ago
The more shocking takeaway for me is that ~1% of people under 45 have had a heart attack (cannabis use is a rounding error)! That's higher than I would have guessed.
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by dsizzle 5y ago
Yeah maybe. Although that's more focused on _students_ of Java and ends up being a roundabout/backhanded _compliment_ to Java: "the language is so ergonomic I can't tell if basic students of it are smart"?
340.
by dsizzle 5y ago
Where does Joel Spolsky pick on boring languages? I went looking for this and could only find him defending the use of Java/.NET https://www.joelonsoftware.com/2006/09/01/language-wars/ . Of course t
341.
by dsizzle 5y ago
Same. In fact, Lemonade has a charity component and here is highlighting a project they did in Africa. https://socialfintech.org/lemonade-b-corp-insurtech/ That site is focused on "FinTech" too.
342.
by dsizzle 5y ago
The tax credits are the same regardless of your plan, and for modest income the credits are substantial: even for $100k, the credits are $500/mo for a family of 4. Not that healthcare still isn't a significant expense, but the ass
343.
by dsizzle 5y ago
It is open source. The code is here https://github.com/standardnotes
344.
by dsizzle 6y ago
Revery? https://github.com/revery-ui/revery
345.
by dsizzle 6y ago
Revery is another similar project that is trying to be a lightweight alternative to Electron https://github.com/revery-ui/revery
346.
by dsizzle 6y ago
What's ANA?
347.
by dsizzle 6y ago
Do you think SED rate is better than CRP then? It doesn't seem like I've had that test either. I have hypothyroidism, which can be autoimmune related, but no doctor has ever suggested either test, nor mentioned inflammation. I get
348.
by dsizzle 6y ago
There's a lot of discussion of "inflammation" in this thread, but does this mean anything other than "feeling bad" in practice? It seems C-reactive protein (CRP) is the main biomarker for inflammation. Do people get
349.
by dsizzle 6y ago
Could it be even worse -- that they are shorting the stock by the time the lawsuit goes to court? The notices of class action lawsuits for stocks I've owned have only stipulated that you've owned the stock during some time window,
350.
by dsizzle 6y ago
How did you find the investment group?
351.
by dsizzle 6y ago
I agree there are reasons to not trust these reviews at face value, but to say you don't trust it all seems extreme. You're saying reviews have no value whatsoever?
352.
by dsizzle 6y ago
The trust network? You have a rating history of the renters, not just the merchants. It wouldn't be the same if people starting renting at these properties via Booking. If you never rented before (I'm guessing this is true for you
353.
by dsizzle 6y ago
I read this and assumed he got heart palpitations from Soylent. The closest I could find was this article https://www.theatlantic.com/health/archive/2014/04/the-man-w... that mentions that he had heart a
354.
by dsizzle 6y ago
Separate from the review issue, but does it seem that Glassdoor's salary estimates are low? The estimates in Glassdoor seem lower than those in levels.fyi, e.g., although it's hard to make an apples-to-apples comparison. It may al
355.
by dsizzle 6y ago
As the Wikipedia link shows, it's not actually Taleb's coinage.
356.
by dsizzle 12y ago
McSweeneys.net has been down all day, anyone know what is going on?
357.
by dsizzle 13y ago
Bacteria evolving to secrete a soap-resistant compound doesn't sound far-fetched at all. Such compounds clearly exist already (e.g. pigments that don't wash off). Thinking about this more, I suspect there already has been some se
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by dsizzle 13y ago
The ability to burrow in between cells and to have more adhesive surfaces seem like two possible defenses bacteria already vary in and could evolve better. (Surely handwashing doesn't remove 100% of bacteria.) One reason this doesn&#
359.
by dsizzle 13y ago
You don't directly address the resistance question, but I think that issue comes down to the "escalation ladder", which you do bring up. You can increase the effective of handwashing (or ultraviolet or whatever) in a way tha
360.
by dsizzle 13y ago
Ignoring the snark (of the parent comment), I've often wondered why it was bad to use anti-bacterial soap (and antibiotics in general), but not regular soap, since both leave some amount of bacteria behind, which presumably have geneti

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