soyiuz

20 ms·

151.
by soyiuz 10y ago
Landlording poses significant risks which you also must take into account. Thus if your net worth is 500k and all of it is in a rental unit, what happens if your renter floods the house or damages it in some other way? What happens when you
152.
by soyiuz 10y ago
See above. The amount is irrelevant. Deducting interest is good. However, you must take into account the costs of amortization, real estate taxes, and the costs of borrowing money. Check the NYT calculator. Owning wins out in an up market a
153.
by soyiuz 10y ago
See my post above. Once you pay off the mortgage it is equivalent to paying yourself out a percentage of cash investment. In NYC that number is approximately 4.5%. That is pretty good but not great considering the risks of ownership.
154.
by soyiuz 10y ago
The amount is irrelevant, since you are making the same percentage on whatever sum investment. I think you are using a non-technical definition of liquidity: I can convert ETFs or stocks into cash almost immediately. So for example, it is e
155.
by soyiuz 10y ago
But the same could be said about money in the bank: it is insurance against not being able to make the next rent payment. Saving money is the right thing to do---putting all of your savings into immovable property may not be.
156.
by soyiuz 10y ago
Re: renting is wasting money. Think of the math this way. A $1mil condo in New York generates approximately 45k/yr income, or 4.5% return on investment per year in rents. Subtract taxes and amortization and ask yourself, can you get si
157.
by soyiuz 10y ago
Great post. I disagree on using the concise form of the if statement, however. if [ "$var" = "find" ]; then echo "found" fi Is far more readable than its equivalent [ "$var" = "f
158.
by soyiuz 10y ago
Would be good to normalize by student population.
159.
by soyiuz 10y ago
Check out Thinkpad 13. The Chromebook version will be sub $500.
160.
by soyiuz 10y ago
> The most obvious beneficiaries of the decline of old TV media will be the dominant social networks who nail video: Facebook, Snapchat,* and perhaps Twitter, if the whole Periscope thing works out. I did a double take at this. Snapchat
161.
by soyiuz 10y ago
I am thinking of a constructive way to solve problems such as these. What do you think of making public the host's acceptance and rejection rate by race and gender?
162.
by soyiuz 10y ago
I grew up on Soviet trains and have traveled extensively in the region. Let me tell you the secret to the Russian railroad system: do not buy tickets from agencies or even from the official ticket office. The stewardess for each train car i
163.
by soyiuz 10y ago
I also want to point out that Chromebooks can easily be turned into Linux machines with Crouton. They are not locked down in that sense.
164.
by soyiuz 10y ago
I would love to live in that alternative reality. The area is crippled by small town fragmentation.
165.
by soyiuz 10y ago
I think that happens when the org system is too complicated. I use a single file txt TODO list with three sections: red, yellow, and green. Each section contains a prioritized list of tasks. I delete the line when done and push to git. The
166.
by soyiuz 10y ago
An impressive tool and website. Like others in this thread I use a plain txt file + git to manage my todos. Simplicity trumps any other feature for me. Unix tools are a bonus.
167.
by soyiuz 10y ago
It has not been mentioned that software engineering differs from other types of engineering (like civil engineering) in that it builds abstract objects (software) that are then expected to function in a number of differing material contexts
168.
by soyiuz 10y ago
Hmm. The problem with that approach is that among many things that mean nothing in your inbox, there are some that are quite meaningful. And these have the potential to get lost among the noise.
169.
by soyiuz 10y ago
I hope something like that can be used in medical applications.
170.
by soyiuz 11y ago
No worries. There's always more to learn. `dw` is a motion command as in "delete to the end of the word. `daw` is a text object command as in "delete a word." There is also a difference between `daw` and `diw`, which is
171.
by soyiuz 11y ago
It is not quite the same, as per above comment. `daw` will delete the word regardless of the cursor position. Vim has the idea of text objects beyond "end of the word."
172.
by soyiuz 11y ago
I would suggest that Vim is about more than speed, it is about flow. Think about the difference between ctrl-c and navigating to the menu to copy with your mouse. One just feels more fluid and requires less thinking. Games use extensive key
173.
by soyiuz 11y ago
The mystery of HN front page... a 2011 article from the Guardian about a known topic not related to technology.
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Ask HN: Any laptops with video and mic off switch?
1 points by soyiuz 11y ago|0 comments
175.
by soyiuz 11y ago
These findings don't account for huge centralizing effects of online readership. We would expect for several winners to take all, since there are no barriers for readers to navigate towards the highest quality content. I am also puzzle
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by soyiuz 11y ago
Devops and QA are more alive than ever. The article actually makes that point. It is just that the boundaries between the disciplines are being blurred consequent to the erosion of distinctions between hardware and software, testing and dep
177.
by soyiuz 11y ago
I've had a HP LaserJet 1020 since 2005, when I paid around $100 for it. A refurbished one today costs $200+, which means it actually went up in value. It is small, fast, and works on third party cartridges that I pay 10-20$ for. Beside
178.
by soyiuz 11y ago
I like this idea, but I no longer trust Google to shepherd their side projects in the long term. Google voice had amazing promise (and I still use it) but it has also been a completely stagnant, without significant updates for a few years n
179.
by soyiuz 11y ago
It is good to see Lyft moving towards a more civic minded direction in their business model. A lot of "disruption" talk is simply code for deregulation.
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by soyiuz 11y ago
I just mean that some things do not need to turn a profit. Of course you are right about budgets being fixed and priorities weighed with specific numbers attached.

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