spacemark

8 ms·

31.
by spacemark 2y ago
If you take all the money that you have spent on a down payment, closing and selling costs, taxes, and maintenance, subtract rent, and put the remainder in a market index fund, for the vast majority of situations you will have FAR more mone
32.
by spacemark 2y ago
Higher returns than what though? It sure sounds like the only financial advantage to owning a home vs other investments is the leverage. Yet the S&P will return far more even considering the 80% leverage in most cases.
33.
by spacemark 2y ago
Right, my question is more about how the average person can actually use that leverage. So you've got $80k in leverage, it grows (presumably), but how do you actually use it? You have to sell the house, right? So you can only cash in o
34.
by spacemark 2y ago
I agree with a lot of what you are saying, but to say it is easier to buy a home now than at any time in the past is objectively untrue. Yes, houses today are much better than 50 years ago, but the cost to entry has gone up faster than sala
35.
by spacemark 2y ago
People always talk about how buying a home is the only way for the common person to obtain leverage. Please excuse my ignorance, but how does the common person use that leverage, exactly?
36.
by spacemark 3y ago
Not even remotely possible in a practical sense, for so many reasons. Summed up by it wasn't designed for it. Radiation, fuel consumption required for the delta V, supply vehicle capabilities, generation of space debris, regulatory com
37.
by spacemark 3y ago
Screwed in a monetary sense, perhaps. But this is just one thing people gain from work. For some it's not even that important.
38.
by spacemark 3y ago
Just do a google scholar search for "marijuana lung damage" or similar and you will find that there is no clear evidence (yet) for correlation between consumption and lung cancer. There is convincing evidence for significant effec
39.
by spacemark 3y ago
I see a study or an article along these lines every couple of months: https://www.healthline.com/nutrition/benefits-of-wine
40.
by spacemark 3y ago
Alcohol is hands down terrible for the body. I'm becoming more and more convinced from scientific studies and my own observations that no amount, not even one glass of wine a night, is physically beneficial. It's the psychological
41.
by spacemark 3y ago
Interesting observation, there may be some truth to it!! A while back I read a really interesting Reddit comment by someone researching PTSD in ancient history. Here it is https://www.reddit.com/r/AskHistorians/com
42.
by spacemark 3y ago
Google Earth resolution? You'd need satellites in low orbit around that planet. For taking images from earth, the resolution would depend on the size and distance of the planet. Within a couple hundred light-years a $10b starshade spac
43.
by spacemark 3y ago
Not sure what your comment really adds except a thinly veiled attack on my ability to empathize. Of course reasonable people desire increased safety all around. My point is that even with this disaster (in which nobody was harmed), aviation
44.
by spacemark 3y ago
Agreed! You don't see the data because it's not there. That was my point in response to the original comment - even with these dramatic high-profile examples, not only is commercial aviation orders of magnitude safer vs traveling
45.
by spacemark 3y ago
All valid points, but I wonder if you've overshot your response to this (very slight) increase of risk to your personal safety. The statistical safety of aviation is the best it has ever been - 2023 set yet another record low for comme
46.
by spacemark 3y ago
Does the Google info sidebar ping Wikipedia every time "YouTube" is queried? Would that show up in these statistics?
47.
by spacemark 3y ago
Ever is a very long time.
48.
by spacemark 3y ago
Of course, if rates are low and money is cheap, max out the loan. But one of the key points of the article was that interest rates are not going to fall for a long time and when they do, house prices will resume their ascent.
49.
by spacemark 3y ago
I hear you, it's not a good place to be in (I've been renting my whole adult life). If people can't or are unwilling to swallow that bitter pill, perhaps major shifts are coming.
50.
by spacemark 3y ago
The only sensible financial reaction is to save, save, save for a down payment well in excess of 20%. Just an extra 5% will save you roughly $150k On a 600k home over the course of a 30-yr 6.9% mortgage (the current rate). Problem is that m
51.
by spacemark 3y ago
>there just isn't that many large ones to hit. Maybe not here in the US - we only have 10 cities with more than 1 million people. But China has 145 cities >1m. We would not be a threat to their industrial base with only a dozen n
52.
by spacemark 3y ago
Sure, I didn't intend to downplay the seriousness of nuclear war. It would be horrific and damaging to an extent never seen before. My point was just that the logic of having only a few nukes while everyone else has many more doesn&#x2
53.
by spacemark 3y ago
I think you overestimate the power of a nuclear weapon, or even dozens of them. It would take hundreds of targeted strikes to disable a nuclear-armed adversary. Having fewer nuclear weapons only means your major cities, military bases, and
54.
by spacemark 3y ago
Count yourself lucky then. I was raised religious and even did a mission, visiting many dozens of congregations over my time of activity and yes there were plenty of things great about it but there was a ton of sexism, racism, homophobia, a
55.
by spacemark 3y ago
It drives electrical and battery system requirements more than anything else. Thermal effects impact pointing/ADCS, which impacts propulsion, etc.
56.
by spacemark 3y ago
Respectfully, you are not correct that eclipse in Geo is insignificant. It drives many engineering constraints for spacecraft systems. Look I get why people are excited about space space solar power, but I've been in this industry for
57.
by spacemark 3y ago
No night? Where are you putting these satellites? The only orbit that doesn't eclipse is sun synchronous, an already crowded orbit. Even GEO satellites experience eclipse.
58.
by spacemark 3y ago
That's really not how engineering tests work - the objectives of the test were met, by definition that's a success. Not achieving stretch goals doesn't make it a failure. Of course it's a work in progress and the launche
59.
by spacemark 4y ago
Ten bucks says they've already taken non-kinetic action. Jamming, optical lasers, etc.
60.
by spacemark 4y ago
I agree with the spirit of what you're saying but you go too far, ironically asserting without any supporting logic that the intelligence of homo sapiens has remained static for the last 2,000 years. But I suppose the disagreement hing

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