ilammy

16 ms·

91.
by ilammy 4y ago
The rates usually don't go up because the lender got greedy and felt like screwing you harder. If the mortgage rate doubles, that's because your money is now worth less than it used to be. This also likely means that your income i
92.
by ilammy 4y ago
These "changelog generators" look to me like barking at the wrong tree, automation for the sake of automation, and attempt to skip the "boring" work of communicating changes by replacing it with "interesting" w
93.
by ilammy 4y ago
These are unrelated things. The reason bank run collapses are a thing is that the deposits aren't just sitting there as cash in the vault. Banks invest the deposits and those can't always be liquidated quickly and efficiently in c
94.
by ilammy 4y ago
You don't think savings accounts yield interest out of charity, do you? In most cases they are a way to purchase bonds and alike for people who don't want (or don't know how) to deal with that, and the bank pocketing the diff
95.
by ilammy 4y ago
Nominal value of the mortgaged property is likely going up at at least around 8%, give or take.
96.
by ilammy 4y ago
The car did not crash. Rather the money you paid for it has now become worthless (unridable). But that money has not disappeared, it's on somebody's bank accounts. Such rhetoric is very deceptive.
97.
by ilammy 4y ago
If you have stock to bring in, you bought it somewhere, right? That "somewhere" should have filed forms reporting on your purchase, kept records and stuff. With bitcoin, a part of !!fun!! from holding non-security assets is all th
98.
by ilammy 4y ago
Speaking of Ukraine, the banking sector is working fine there at the moment, for what it's worth. Not for moving wealth out of the country and out of the local currency, but otherwise works.
99.
by ilammy 4y ago
> FedGov doesn't know the basis of your stock (or crypto) transactions Aren't brokerages required to file forms for every customer they serve? Let the regulated businesses deal with bureaucracy and accounting, they are expect
100.
by ilammy 4y ago
When you go outdoors, people are free to look at you, but that does not mean (as a rule) they can shoot pictures of you without your permission. Same principle can be applied to your property. Like, if a stalker takes a photo of your window
101.
by ilammy 4y ago
> beg for payment Not every rider is confident enough to flat out refuse to pay, walk away with 'lol your problem now', and to deal with the more aggressive kind of drivers.
102.
by ilammy 4y ago
> fixed cost of downtown office space There you said it. With the office being a fixed expense, budget is formed around it, since you “just need it”. While the trips and conferences are always discretionary expenses, and as such will
103.
by ilammy 5y ago
Auto-expiration dates won't help, the duration will be extended ad infinitum , because think of children. Unless you require quantifiable evidence of law's efficacy and causality to make an extension, which is quite a propositi
104.
by ilammy 5y ago
Electric heaters don't go down the sewer shortly after being turned on, and Europe is not embargoed to not be able to import some in the coming months. Surely, the price is going to jump up. My point being, it's not about individu
105.
by ilammy 5y ago
Exactly. Thank you for reusing cardboard while the airlines fly empty planes just to maintain their slots. It makes you feel better for having a moral high ground, sure. Objectively it's not that big of a change, while systemic social
106.
by ilammy 5y ago
You don't need natural gas for housing heating. Buy an electrical heater, pay "exorbitant" electricity bills, get electricity rerouted from other sources (you could still, like, import coal by sea if you don't like nuc
107.
by ilammy 5y ago
Probably because country U would certainly not go invading countries P, L, E, or even G or F given chance, after it's done invading the country I.
108.
by ilammy 5y ago
As an immediate goal – maybe, but how connected these things are? It's not like Ukraine getting paid their transit tariffs actively funds the war. Also, would the war stop if Ukraine takes a nuclear option and blows up the pipeline?
109.
by ilammy 5y ago
You're overdramatizing. At worst, your 80-year old man would get double or triple the heating bill, then probably demand that to be paid from taxes via subsidies. And that is what people don't want.
110.
by ilammy 5y ago
How that makes you entitled to cheaply renting a single-family home? Go rent a condo, it would be easier to move in a couple of years too. Or if you insist on living in a single-family home, temporarily taking a place of a family who wants
111.
by ilammy 5y ago
That sounds like a better approach. Taxes are used to encourage some behaviors and discourage others. If you want to have families own their detached homes, make it so that their self-declared primary residence is taxed very little. You c
112.
by ilammy 5y ago
How would you enforce this? By having a list of all homeowners and checking that they live in the property they own? If they do not, then what? What if they own two homes? Now there would be no middle-ground. Either you own 1 (one) building
113.
by ilammy 5y ago
Now, without even a line of attribution whatsoever in a LICENSE file somewhere in the project.
114.
by ilammy 5y ago
> What am I missing? People in wealthy and stable countries have it very nice that their strong and stable currency is also legal exchange medium in their country. It's common for governments to make it literally illegal to transa
115.
by ilammy 5y ago
> I can trust my bank + the government to keep my money safe. Trust them to keep your money – yes, you can absolutely rely on that. Trust them to have “your” money back – that’s a taller order. But it it will be safe, sure. At least wi
116.
by ilammy 5y ago
> I don't think the vote is only way to express political power, just the most 'sacred' and extreme of all. The one of removing your ruler (or ruling party) from power. Indeed, the voting is less about getting people you
117.
by ilammy 5y ago
> a plenty of people can afford to hire their own cryptographers to do verification That's still deferring to the authority. The cryptographer I paid to says it’s all verified, these 1,000,000 people believe them, so naturally I m
118.
by ilammy 5y ago
> zero knowledge proofs are [...] possible to check for yourself Only if you're an expert cryptographer, else you're deferring to the authority. > Paper voting is extremely expensive to scale That's a feature.
119.
by ilammy 5y ago
You can keep scrolling, but the other side keeps posting, and that gets put into your feed nevertheless.
120.
by ilammy 5y ago
It's a natural tool in a digital world. IRL you can literally walk away from a conversation to express your disgust and disinterest in argument in a low-effort manner. On Twitter you can't make the same gesture, so an analogous lo

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