iamjdg

13 ms·

61.
by iamjdg 10y ago
These people who sold their Bay Area homes and moved somewhere else to pay cash for a house seem to gloss over the fact that they were able to do this because they struggled in the Bay Area for so many years and became real estate wealthy.
62.
by iamjdg 10y ago
ha, this article is basically preaching the ways of mr money mustache, but in a high brow way.
63.
by iamjdg 11y ago
It was satire.
64.
China Is Adding a Three Gorges Dam Worth of Wind Every Year(greentechmedia.com)
9 points by iamjdg 11y ago|2 comments
65.
by iamjdg 11y ago
300k is peanuts, you don't try to catch up with 300k. Car companies spend billions on research every year. The car companies are farther along in autonomous driving than most people know. Audi, which is owned by Volkswagen, has done ex
66.
by iamjdg 11y ago
I just checked both sites, they are both up, the fake codemonkey site and the real kmsurvival.com. neither show up on the first 3 google pages for "km survival" or "kmsurvival". I have to google kmsurvival.com to get yo
67.
by iamjdg 11y ago
it does sound like a good start up idea. if you can crack the internet rewards system that satisfies both buyers and seller, you would be really onto something. it fits with peter thiels philosophy from zero to one: what is nobody else doi
68.
by iamjdg 11y ago
by my math we could get to a 55% savings rate, but we would have to really cut out somethings we enjoy.
69.
by iamjdg 11y ago
damn you beat me on savings rate...please tell me you don't have kids so I at least have an excuse.
70.
by iamjdg 11y ago
Its a mixed bag, not as good as san francisco. lots of small outfits. ea is here. microsoft started an outpost here.
71.
by iamjdg 11y ago
i respect your opinion. i agree it is tough to make a business for writer and artist these days. same goes for game programmers, wow talk about a march to the pricing bottom. but why fight what the market wants with paywalls? for me it&#x
72.
Ask HN: Do you avoid reading articles on sites with paywalls?
16 points by iamjdg 11y ago|16 comments
73.
by iamjdg 11y ago
But y does not get smaller. Only expected interest on y gets smaller. y is the same (actually a little larger because money today is worth more than money tomorrow) and in the governments pocket. If the government was smart they would put
74.
by iamjdg 11y ago
If the answer to the question is yes, then is the net present value of the remaining interest payments greater than the present value of the loan payout they just received? It is, but not by a huge amount. If I was the government is be hap
75.
by iamjdg 11y ago
i guess I need to clarify a question first: when the private company refinances the loan, do they pay the government the current principle?
76.
by iamjdg 11y ago
Why is this a problem? Presumably when the private lender refinances the loan, they pay the balance to the government? So yeah the government is losing all these future interest payments but are they not getting the principle back today?
77.
by iamjdg 11y ago
yeah good catch, i didn't think about it, that data would be gold.
78.
by iamjdg 11y ago
i still think they would make more money renting them to the 100 hour customer, bringing them back, then selling them to the 1000 hour customer at a reduced priced because it is used and only a 900 hour pump.
79.
by iamjdg 11y ago
thanks. yes you are right. it is market segmentation. you move more units for a lower weighted average margin. just seems silly your actually modify the product to make it fail early just because someone paid less for it. i get it for
80.
by iamjdg 11y ago
regarding savings rate, i do believe it is the only thing that matters, not how much you make, when it comes to obtaining financial freedom. sure there are extremes, one should be making a multiple above the poverty line. but if you assume
81.
by iamjdg 11y ago
thanks, but really just timing, i am not any smarter than the next person. financial i do hope my equity continues to rise, but i do worry about the negative effects on our neighborhoods and society.
82.
by iamjdg 11y ago
sure. i bought 10 years ago. i would say the value of my house has climbed 262%. if i sold my house today and found a place to rent for the same housing costs, we would only have to work 4.5 years before "retiring" (work by choi
83.
by iamjdg 11y ago
My housing costs are low in Vancouver because I bought several years ago before prices were too crazy. So my starting mortgage was much lower than it would be for a first time home buyer today. I also made accelerated payments on my mortg
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by iamjdg 11y ago
oh retire has many meanings. i should say work by choice. not worry so much about salary, try new fields/areas, etc. we are still 13.5 years away from work by choice, 10 years if my wife goes back to work. not sure, if there is int
85.
by iamjdg 11y ago
I live in Vancouver Canada, married with 2 kids. We own our house. We save 48% of our take home pay, so spend 52%. We live the extreme early retire lifestyle, not for everyone. Some extreme early retire people would laugh at our savings
86.
by iamjdg 11y ago
So they are basically renting their pumps? When the pumps fail, they must get them back and resell them to another customer. Else the economics would not make sense. Unless they send less to build a shorter life pump, but my impression was
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Germany and Tesla’s PowerWall(catalyticengineering.com)
33 points by iamjdg 11y ago|13 comments
88.
Node School comes to Vancouver(ti.to)
1 points by iamjdg 12y ago|0 comments
89.
by iamjdg 12y ago
i'm om with such a choice as long as you don't go into debt to do it. "a bit of debt but not too much"...this is relative, thousands is probably ok, tens of thousands or more not ok. the whole reason to save most of your
90.
by iamjdg 12y ago
ha. you can have a more lavish (wasteful) lifestyle and still only live off 20% of your income, you just have to increase your net income...then 20% represents a bigger slush fund.

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