usaar333

72 ms·

811.
by usaar333 8y ago
> Classes with other students are just about the least effective way to learn a foreign language. Well, sure a private tutor is better, but that's a lot more expensive. Without a teacher of some sort that can provide feedback, I hav
812.
by usaar333 8y ago
Agreed on immersion being critical. You also for languages distant from ones you know really need a teacher (which is a problem with Duolingo), at least to break into the elementary levels. > You speak the words, but the vendor doesn&#x2
813.
by usaar333 8y ago
> either you have the 3 minutes it takes to sip on a cappuccino or hot tea It makes a lot of sense to distribute your consumption of caffeine over a longer period of time (say an hour) rather than consume it all at once.
814.
by usaar333 8y ago
Well, absent zoning laws, you'd build tall buildings. And you'd build more floors until the marginal cost of adding the Nth floor is just under the marginal selling price of the floor. (so it always will be an issue)
815.
by usaar333 8y ago
> The solution is the same as every other time this comes up. Upzone the city. I'm all for increasing density in the Bay Area, but it is very easy to overstate as that "solving the problem". You will see more people being
816.
by usaar333 8y ago
> If the candidate is rejected your startup lawyers sue the pants of the SWC for violating U.S H1B law. Is this an easily winnable lawsuit? Can't the company just show that the candidate failed their interview process suggesting the
817.
by usaar333 8y ago
> I don't think we're reporting the distribution of compounded returns after N years anywhere, but there may well be something misleading somewhere — what specifically are you referring to? The output, e.g. after 21 years. You&
818.
by usaar333 8y ago
The math on appreciation rate is even worse than you write because the reporting is showing the compounded values as normally distributed which is not valid when a compounding rate is normally distributed. (normal distribution times normal
819.
by usaar333 8y ago
Pretty cool demo for causal.app. Feedback on the framework itself: * I found the interface to widen/narrow the variance of ranges painful to use. Why not just let me plug in an exact number? * I assume the output for the variance is 9
820.
by usaar333 8y ago
A lot of folks are in California on this board which hurts the investment case for HSAs (state taxes investment and contributions). New Jersey similarly doesn't recognize HSAs.
821.
by usaar333 8y ago
If that happens, honestly it is time to get a different doctor. :) Good primary care doctors should be incentivized not to do that as it is a great way to churn patients.
822.
by usaar333 8y ago
I've definitely been there and I think it only would have sucked had I believed my income would never rise. Which to the greater point - what should the lifestyle expectation be on entry level jobs?
823.
by usaar333 8y ago
It is still better to save an extra $50 in your own bank account than let the government pay you 0% interest in it.
824.
by usaar333 8y ago
> many skip getting things checked until it seems absolutely necessary True, but isn't that the entire point of hdhps, to minimize unnecessary visits? They still provide no additional cost annual physicals, so you'll get the re
825.
by usaar333 8y ago
Ya, tech is one of the strongest performing sectors in the last decade.
826.
by usaar333 8y ago
It's a tough call to make. By the time options came out, puts were extremely expensive relative to calls due to shorting pressure driving up hard to borrow fees. Aside from how bearish you had to be to justify buying them, you also nee
827.
by usaar333 8y ago
Lyft's common stockholder market standoff agreement doesn't bar hedging. See the s1.
828.
by usaar333 8y ago
Yup, had this exact fear during my IPO. Fortunately, stock went up, so it was a win that I was underwithheld. I was and continue to be surprised companies release RSUs at IPO and not lock up expiry, the later of which avoids the tax risk.
829.
by usaar333 8y ago
Eh, is also what we tax. We tax cancelled debt as income. Simple enough at first glance. But when is debt cancelled vs restructured?
830.
by usaar333 8y ago
The strategy described in the article to avoid tax on cancelled debt was not "perfectly legal", more like "ambiguously legal" It relied on a specific interpretation of laws; another interpretation would deem it illegal.
831.
by usaar333 8y ago
As sibling notes, step 1 is to actually have substantial complex income where accountants can do planniung. There's not much trickery that can be done with ordinary income since it is handled simply and rigorously. Gains from financia
832.
by usaar333 8y ago
Doesn't seem they had a lot of choice in the matter: "Since the project fully complied with the city’s zoning code and met all the application requirements, City Attorney Jannie Quinn told council members Tuesday that it would be
833.
by usaar333 8y ago
How was your lockup agreement phrased? If it's something like this one ( https://blog.wealthfront.com/post-ipo-dilemma-hedging-stock/ ), where you have clauses like " enter into any swap or other agreement that
834.
by usaar333 8y ago
You can get lock-up loans from ibanks to secure down payments.
835.
by usaar333 8y ago
No they aren't. Just look at affluent areas like Palo Alto which have fallen year-over-year: https://www.zillow.com/palo-alto-ca/home-values/ (or Atherton for that matter: https://www.zillow.com&#
836.
by usaar333 8y ago
A loan is nothing like a sale because you still take on all the asset risk. At most, a non recourse loan gives a slight hedge which isn't selling either. (You don't realize capital gains when you take loans or hedge a security) So
837.
by usaar333 8y ago
How well does this apply to people who grew up in China (adept to culture) vs. not (and only might know Mandarin from talking with relatives)?
838.
by usaar333 8y ago
> "The political economy problem now should be obvious: Why exactly would non-landowners press for improvements in their cities? The value of those improvements will be captured mainly by other parties." Because even renters wa
839.
by usaar333 8y ago
Crappy public transit is pretty common in the Bay Area. Looking at my own home in the South Bay. My 10 mile commute takes 15 minutes driving. By public transit, it's walk five minutes to light rail, wait ten minutes, ride 50 minutes, t
840.
by usaar333 8y ago
Where does the difficulty lie? I lived in SF fine with a toddler, taking public transit to local places.

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