jjav

563 ms·

2851.
by jjav 5y ago
> If air temperature reaches 44C, it's impossible to survive this without artificial cooling Humidity is the other key factor though. When younger I remember a day of walking all around Phoenix for many hours on a day where it was 1
2852.
by jjav 5y ago
And in that topic, also that getting a tax refund or having to pay doesn't change anything about the amount of taxes you ended up paying that year. And how getting a big refund isn't a windfall, it's just bad planning.
2853.
by jjav 5y ago
> Yeah, but how are those uneducated investors supposed to learn? By being presented with learning material on how trading works, instead of trying to hide reality behind a pretty GUI? That'd be my choice. For example on TDAmeritrad
2854.
by jjav 5y ago
> And the baby boomers who created the upset of the 60's are now in charge No, "they" are not. The few people in the inner political circles of that generation are in charge, same as every other time in history. The normal
2855.
by jjav 5y ago
> Panic isn't something that you can remove by training nor train for. On the contrary, that's exactly what repetitive training of emergency scenarios is about. Panic happens when you get overwhelmed with multiple bad things ha
2856.
by jjav 5y ago
I see, interesting! Agreed, on such a system it becomes more of a gamble to pick what might be best long term. In the USA there is no penalty to pay off a loan and refinance (there might be exceptions but never seen one) so you can do it at
2857.
by jjav 5y ago
> That almost certainly isnt the case at first Agreed, at first the monthly cost of ownership is likely higher than rent. But my quoted comment was about retirement age, which is at the tail end, not at first. It doesn't take long f
2858.
by jjav 5y ago
> Well it's an unknowable gamble. You might also be locking in an excessively high rate. The flexible approach of continuously re-mortgaging would have been the better strategy for the last 10 years with interest rates that went dow
2859.
by jjav 5y ago
You're paying for all those maintenance costs when renting, you're just doing it through a middleman (the property owner) who takes an additional cut so you're paying more.
2860.
by jjav 5y ago
> Something to note about your local bank/CU. Credit Unions tend to be different (at least the 3 I'm a member of, maybe this is not universal) in keeping loans in-house. The banks will indeed most likely sell off the loan as so
2861.
by jjav 5y ago
> why would you fix for 30yr when you know you're paying multiple points to offset market uncertainty? At least in the US it is always better to get a fixed rate loan (meaning fixed for the life of the loan, typically 30 years). Thi
2862.
by jjav 5y ago
> However they are currently running at an interest rate of a little under 4% which is much higher than the rate offered on a typical 5 year year fix. This makes them unattractive when you can just perpetually keep re-mortgaging on 5 yea
2863.
by jjav 5y ago
> And now you don't have a place to live in and spending your retirement money to rent one, or take a dip in your quality of life. As you say, keeping up with rent is easy (not necessarily, but for those in professional careers) ear
2864.
by jjav 5y ago
> and multiple 2-6 month breaks between jobs, all affordable because I owned rather than rented Indeed! I've taken a long break from working to be with my child, which I could afford to do only because I'd bought a home years e
2865.
by jjav 5y ago
> "No debt" is synonymous to freedom on so many levels in life design. No debt is indeed great freedom in general. But housing is different. Do you plan to live somewhere? You still have to pay for it. For as long as you live y
2866.
by jjav 5y ago
> Going in debt for 30-40 years has zero appeal for me, it just seems like a terrible move. That's not the best way to look at it. Unless you plan on being homeless, you're already inevitably committed to a monthly housing paym
2867.
by jjav 5y ago
> So far I haven't encountered a single email provider that successfully delivers 100% of mail sent. There is no email provider that will deliver 100%. None. As I mentioned in another comment, you can buy a gsuite corporate account
2868.
by jjav 5y ago
> If mail administrators bounce back an explanation for every "bad" message: Nobody is talking (I don't thing anyone is) about sending back a bounce message, that would indeed make no sense. A responsible email server shou
2869.
by jjav 5y ago
Yes, receiving is very easy. Just doing that has a lot of value because now can't be arbitrarily cut off from your internet identity by gmail/et.al. for no reason. So a easy way to get started is to receive everything directly and
2870.
by jjav 5y ago
> More likely, they're saying that 99% of people don't know how to self-host, and for 99% of the rest it's not worth the trouble. Certainly way more than 99% of the general population wouldn't know how to self host, b
2871.
by jjav 5y ago
> being a low-volume sender means your email will be constantly classified as spam "will" is a strong word. I've read that very low volume sending server can sometimes have issues, but never experienced it. My outgoing vol
2872.
by jjav 5y ago
Yes to the OP, you most definitely can host your own email fully. Many of us do it. If you have any interest in the topic, either due to the fun of managing the servers and learning something along the way or due to the moral high groun
2873.
by jjav 5y ago
Indeed. Even as late as the early 90s, my summer internships (not at minimum wage, but still just intern pay) was almost enough to pay for a year of tuition at CMU, an expensive top university.
2874.
by jjav 5y ago
On a HDD, let's say a file is ordered on disk in blocks 1,2,3,1000,4,1001,5,6,7. Then reading the 4th, 5th, 6th and 7th block will have larger latency than reading the 2nd, 3rd, 8th, 9th blocks because the drive heads have to move a la
2875.
by jjav 5y ago
> I literally laugh at providers attempting to convince me to get whatever with 10 or 20Mbit uplink speeds, in 2022l Yes, they exist. Meanwhile here in Silicon Valley, the fastest connection I can get at home (sonic.net) is 22Mbps/1
2876.
by jjav 5y ago
> Worst of all (from a financial perspective), they want both of their average kids to spend 4 years at an expensive university. Expensive only because it's been allowed to become expensive. Decades ago it was normal for a good univ
2877.
by jjav 5y ago
> You're confusing income and wealth. No, no confusion. You need income to start building wealth (unless you just inherit it). More specifically, you need enough income over and above the necessities of life, so you can start saving
2878.
by jjav 5y ago
If the question is literally about just one program source code, the answer is easy: print it out. All my oldest preserved code (early 80s) is on paper, the things it occurred to me at the time to print out. No fancy archival paper either,
2879.
by jjav 5y ago
> If you look back at boomers and genx, they had 4 and 2 times as much wealth as millennials do when they were the same age. Any links to show this? It feels like now is the golden age to enter employment, at least in technical fields. S
2880.
by jjav 5y ago
> I saw in your post history you're also paying $2000/mo for health insurance. Maybe you're not making the wisest financial decisions? Not only an ad hominen, but changing topics? > I just looked and a Platinum plan in

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