jpmattia

51 ms·

481.
by jpmattia 10y ago
There's also a deduction phase-out at high incomes. (450K iirc)
482.
by jpmattia 10y ago
A nit: You mean non-recourse state , as in "The lender has no recourse to tap your assets in order to fulfill obligations of the mortgage in the event of non-payment." But CA is a bit strange: A mortgage is non-recourse only in
483.
by jpmattia 10y ago
In addition to the other contributions listed, we should add the Fano/Adler/Chu E&M series, which was one of the touchstones for an earlier gen of students. RIP
484.
by jpmattia 10y ago
> Dividends are not taxed in tax-deferred accounts like IRA/401(k) Only if you never withdraw them.
485.
by jpmattia 10y ago
Buried lede imo: TeamViewer having similar issues. Lots of folks claiming it's breached, TV denying it. A lot of potential mischief there, if breached. https://www.reddit.com/r/technology/comments/4m7ay
486.
by jpmattia 10y ago
That would be about the worst form of leadership possible. By relying on attrition, you can pretty much guarantee that the people with the best offers waiting on the outside are going to leave, and that's pretty highly correlated with
487.
by jpmattia 10y ago
I guess I was specifically curious about the "underlying guts" comment. Things like adding a windows store + apps seem more like bolt-on additions rather than improvements in the underlying core OS.
488.
by jpmattia 10y ago
> because the underlying guts of Windows have gotten much better since Win7. I'd love to read a summary of the improvements if anyone has a link handy.
489.
by jpmattia 11y ago
Link to McKinsey report that the article is based on (PDF): http://www.mckinsey.com/~/media/McKinsey/Industries/Private%...
490.
by jpmattia 11y ago
I think a lot of folks are missing a big point: The author understands that he spent more than his income: > In retrospect, of course, my problem was simple: too little income, too many expenses. Credit enabled me to forestall this pr
491.
by jpmattia 11y ago
> With the proviso that nobody foresaw the housing crisis in its eventual form Believe it or not, there were a bunch of us that did and took action. See The Big Short for some other examples. Of course, nobody with a conflict of inter
492.
by jpmattia 11y ago
> I think a paralegal from the lender's firm just Googled me, concluded I was a "business guy" (so, moneybags) That's a good guess imo. One side effect of the housing bubble is that banks decimated their loan-recov
493.
by jpmattia 11y ago
Fair enough, and there's an additional level of complication here in CA: The original loan is non-recourse, but a refinance is recourse. So a lot of folks did not fully understand that the offer to refinance an underwater home at a l
494.
by jpmattia 11y ago
Sure, but it will literally take an act of Congress to cause an exemption. The only time I can think of it happening previously was during the housing meltdown. Normally a short sale/walking away from a house results in a 1099 for the
495.
by jpmattia 11y ago
Boy are those debtors going to get a surprise when the 1099 comes for forgiven debt. (they mention trying to eliminate the tax burden for the disability folks, but no mention of anybody else.) Edit: Or in plain english- the IRS thinks for
496.
by jpmattia 11y ago
> And as I watched my colleagues dealing with DARPA's demands for reports, PI meetings, bake-offs, delays and reductions in promised funding, and other hassles, I began to wonder whether I hadn't gotten the best side of the de
497.
by jpmattia 11y ago
You can get a sense of the scale for the subprime/Alt-A market here: http://bp3.blogger.com/_pMscxxELHEg/RxzD0s_7EYI/AAAAAAAABB4/... That graph shows you the size of the actual loans, but there was als
498.
by jpmattia 11y ago
> “I’m a little perplexed as to why this drought is continuing as it is,” said Jay R. Ritter As the old saying goes: Ain't nothing that price won't fix.
499.
by jpmattia 11y ago
Actually 1988. I know, time flies when you're having fun. Not nearly as much connectivity back then, so maybe it doesn't count.
500.
by jpmattia 11y ago
> the real story will be whether or not the shares actually sell. As the saying goes: There ain't nothing that price won't fix.
501.
by jpmattia 11y ago
You're right. Too quick with the copy and paste, but now the comment is locked. :(
502.
by jpmattia 11y ago
Game 1: https://online-go.com/demo/114754 Game 2: https://online-go.com/demo/114161
503.
by jpmattia 11y ago
A very cool writeup. One of the low-temp effects that was missed: The semiconductor dopants (both donors and acceptors) don't necessarily fully ionize at liquid nitrogen temps. So changing the electron/hole concentrations of si
504.
by jpmattia 11y ago
All the above + stack you chose, and the curve balls along the way. Yeah, big topic no question...
505.
by jpmattia 11y ago
Adding my voice to the chorus: Congrats, and a great writeup. I note that 3 full-timers managing a 100M-sessions site would be another interesting writeup. Hint hint, nudge nudge.
506.
by jpmattia 11y ago
I'm a little surprised that there hasn't been a populist rebellion over interest rates. Low rates have inflated pretty much every asset class. This is especially so in housing: The Fed needed to reinflate housing prices in orde
507.
by jpmattia 11y ago
> A Morgan Stanley analysis finds that most U.S. banks have ample reserves against likely defaults. A US investment bank finds that most US banks are OK? Boy that's reassuring. Edit: My all-time favorite pronouncement http:&#x2
508.
by jpmattia 11y ago
> After that the seller's agent is pretty much in the dark for the rest of the process, the way I understand it. It is possible that a seller's agent could fail to recognize a huge mispricing of the accepted offer, and if tha
509.
by jpmattia 11y ago
> Just because another buyer came in "after" that had a better price changes nothing; If the broker landed what was truly the highest price at the time, then you're right. However, the implication is that the broker man
510.
by jpmattia 11y ago
Workers are already SO set in their ways by their 20s, which makes them difficult to manage. It's much better to fund teams without driving licenses, so they'll stay more focused on coding. At least, until their parents pick them

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