phil21

31 ms·

571.
by phil21 11mo ago
One of things actually works on the scale of a useful human lifetime. The other does not, and currently is headed in the opposite direction. If things ever get fixed it will be my great great grandchildren that see the results. I don’t know
572.
by phil21 1y ago
Recirculating works fine with these, if I chose to do it. They both have a tiny hyper-heated insulated tank for the purpose so they can trickle a hot water loop to the furthest destination. They also have a recirc mode which would barely sh
573.
by phil21 1y ago
Done it plenty of times. Works great until you run out of paper.
574.
by phil21 1y ago
The best investment in my comfort and upgrading my home was two redundantly configured Navien continuous water heaters. Never worry about running out of hot water ever again. If I’m gone on a trip for 2 weeks my hot water bill is zero. Due
575.
by phil21 1y ago
Totally different from my lived experience. Friends who grew up in middle class to upper middle class suburbs and parenting all took on college debt to varying degrees and varying outcomes 20 years later. Friends who grew up with me in the
576.
by phil21 1y ago
Suburbs have a self-selection bias for antisocial behavior and folks who lean that way. It’s not a 100% thing, but I’ve noticed a strong correlation having lived in a number of suburbs and in city cores. I’ve also spent a decent amount of
577.
by phil21 1y ago
You have to be pretty well off to begin with in order to be in a position to take out $250k of student debt. It’s the kids who can’t even imagine going to college due to living in poverty growing up that are actually “less than dirt poor”.
578.
by phil21 1y ago
I’ve thought about this a decent amount. My opinion has shifted over the years. At first I also thought it was largely just sour grapes re: accessibility and fear of the unknown, but now I’m thinking that a large number of people are going
579.
by phil21 1y ago
There was and is a collective push to show remote work is just as effective as in-office. To the point of absurdity, where there were never any benefits to office work. It was absolutely a self-own. People not understanding why they were be
580.
by phil21 1y ago
Everything about this is the opposite from my experience. No one is talking about outsourcing to body shops like the old times a decade ago. I went from employing offshored devs and IT talent competing with low-effort body shops, to now com
581.
by phil21 1y ago
One of the most myopic self-owns by a certain segment of industry I can think of in my lifetime. I guess folks really did think that location had nothing to do with Silicon Valley paying 4x or more the worldwide average. That there was simp
582.
by phil21 1y ago
Or just someone in a different phase of their career than a union typically helps out. Unions absolutely hold back young high performers from advancing rapidly and standing out from the crowd. I was part of a few in my younger years and qui
583.
by phil21 1y ago
In a past life as a managed hosting provider ffmpeg exploits were used to gain access to systems. It’s used for pretty much any platform you can upload video to. Some places far more competently than others.
584.
by phil21 1y ago
It would not stop the harassment at all. These reports are effectively free for the originating organization to write using AI - and some low level junior looking for promotion within said org will be highly motivated to pump those metrics
585.
by phil21 1y ago
> On a related note, I asked my AC guy if he knows any trustworthy solar installers. He told me that only crooks are in that business It's basically this. There is very little robust competition in the solar installation market, and
586.
by phil21 1y ago
The primary reason the invasion of Afghanistan failed was because the US tried to pretend it wasn’t an invasion or domination. Telling the local warlords and factions beforehand they just had to outlast things was a plan doomed to failure b
587.
by phil21 1y ago
And then supply goes up. In theory. Americans have coasted too long on other people's infrastructure investment. It's basically run out. Time to pay the piper or watch our quality of life decline. I firmly believe datacenters are
588.
by phil21 1y ago
Do any of these links actually show the exact method that datacenters are "socializing the costs" for energy production? They tend to pay industrial rates like any other industrial consumer would, and pay for their local intercon
589.
by phil21 1y ago
When it comes to AML/KYC you get effectively zero government guarantees. It’s almost the opposite. I agree in the sense of FDIC insurance and being nominally operating under the banking regulatory system - but those typically offer exa
590.
by phil21 1y ago
What’s the difference between that and traditional banking? Been party to more than a couple situations with large banks who decided that you violated some hidden AML related policy and with zero recourse. You are lucky to even get your mon
591.
by phil21 1y ago
CBT effectiveness is highly overstated, from anecdotal experience and talking with psychiatrists in a social setting. It works for a subset of the population that doesn’t question stuff too much and is more or less ok with gaslighting thems
592.
by phil21 1y ago
Then we should start selecting strong willed individuals who do not fit into the “normie” path as those we uphold and show to be role models and examples. Instead we collectively shit on them and force them into the most useless lifestyles
593.
by phil21 1y ago
> Quality and purity untested Not true for everyone, or perhaps even most playing in this space. Every batch friends of mine have ordered has been independently tested for purity and dosing. Random batches also tested for sterility. Ple
594.
by phil21 1y ago
HSA is your money like a retirement account is. It’s one of the most tax advantaged ways to save money. More or less all high income earners who do not have a chronic health issue are better off choosing a HDHP paired with a HSA - especial
595.
by phil21 1y ago
I grew up quite poor. My parents cared enough to find ways to get me into private schools on grants and scholarships. My neighbors had just as many if not more opportunities to do so but did not care enough to do so for their children. Yes,
596.
by phil21 1y ago
They are talking about the final numbers at the end of the day. Effective tax rates. It’s the same no matter if you want to use effective vs nominal. The numbers change, but relatively speaking they are roughly the same.
597.
by phil21 1y ago
You are correct. But you are commenting in a place where mid six figure engineers consider themselves middle class and not wealthy. Yes, the top 20% pay the vast majority of taxes and are taxed at the highest rate until you get into the ow
598.
by phil21 1y ago
It’s strange that even on HN with above average financial literacy people still have this completely wrong mental model of social security. It’s simply a general tax dressed up in marketing fluff. It’s a pay as you go defined benefits prog
599.
by phil21 1y ago
Far from above scrutiny, the military budget has been the go-to talking point and area for real actual cuts my entire adult life. While it's share of the national budget has gone down, spending has only increased in other areas to mor
600.
by phil21 1y ago
The issue is capital expense. Buying a bunch of expensive equipment and operating it 10 hours a day vs. 24 hours a day is usually not economical. The uses where this make sense are quite rare. For example training AI models is often cited

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