xapata

56 ms·

661.
by xapata 5y ago
How the hell do you find a 60-year loan? Sign me up! Remember, leverage is what makes home ownership a good investment.
662.
by xapata 5y ago
It's a 30-year mortgage either way. The time frame is exactly the same. The only difference is the down payment, which matters because a bigger down payment means more opportunity cost of stock market gains.
663.
by xapata 5y ago
My rent doesn't change with interest rates.
664.
by xapata 5y ago
But the only reason you'd want 5-to-1 leverage on a house would be to have a hope of keeping up with stocks. Also, it'd be 4:1, right, if you're doing 20% down? Home values are believed to be less risky. Accordingly, they a
665.
by xapata 5y ago
> paying double for a house Are you talking about monthly payment or lump sum? When the lump sum doubles yet the monthly payment is the same, has the cost really changed? To me, no. I was never going to buy lump sum, so I only care ab
666.
by xapata 5y ago
> Home equity is the main financial element that middle class families use to build wealth, and black rock, a federal reserve funded financial institution is buying up all the houses to make sure that young families can’t build wealth. F
667.
by xapata 5y ago
> Its only the most expensive thing in most people's lives that has doubled in cost in about 10 years. Most people pay for housing by monthly payments, making the nominal value of the house irrelevant if the monthly payment stays th
668.
by xapata 5y ago
> The potential disaster scenario is that, by making most taxation impossible, cryptocurrencies destroy the modern welfare state without providing anything to replace it. So the public hospitals close, the enormous police force starts to
669.
by xapata 5y ago
That drug dealer spends money. Cash flow makes the economy work. Give cash to a rich person and they make a bet on what they think people will buy. Consolidate the wealth and we're back to central planning / command economy.
670.
by xapata 5y ago
Not only can you redefine classes, you can change the class an object belongs to. Just point `obj.__class__` at something else, or change `cls.__bases__` to reorganize the class's inheritance hierarchy.
671.
by xapata 5y ago
Not sure why you'd say that. I redefine things often in Python.
672.
by xapata 5y ago
You can get intriguing descriptive statistics (n-gram frequencies, time distributions) from even a relatively small labeling effort, well before you have much predictive value. So, in that sense you'll have something interesting in fa
673.
by xapata 5y ago
Taxes appear to have a proportional effect on consumption in several categories (alcohol, tobacco, etc.), so they're a good policy tool. Much better than trying to prohibit.
674.
by xapata 5y ago
There's a difference between prohibition and regulation or taxing. Taxing and regulating alcohol seems to be working quite well.
675.
by xapata 5y ago
Let's be hopeful for once, folks. Maybe too little, too late, but what else is there to do but try.
676.
by xapata 5y ago
The expensive part is gathering good labels. Who wants to pay someone to tag things as snarky or angry?
677.
by xapata 5y ago
I go with the "we're all adults here" philosophy and trust my colleagues not to inappropriately mutate the things they receive. It's worked well enough so far. I understand why it might not work so well for other peopl
678.
by xapata 5y ago
Passing pointers around is a pretty common pattern. It avoids allocating memory and copying data unnecessarily. Seemed like a decent choice in the late 80's and early 90's, probably all the way up through mid-2000's. It&#x
679.
by xapata 5y ago
> there is no need to "quote" or otherwise escape the lists in the caller's context. That's a handy feature. Thanks for the explanation.
680.
by xapata 5y ago
Turtle in Python would have the same flow of ideas up to the invention of new control flow, which I agree is cool. But that's why Python isn't a LISP. Yet, the creation of a "while" here isn't so different than mak
681.
by xapata 5y ago
I'm not saying Python is a LISP, but it does have closures. I'm not sure why tail call optimization matters for teaching. This is beginning to sound like a Python bashing instead of a Logo praising. Anyway, I've taught with
682.
by xapata 5y ago
The syntax is slightly different, but it's similar enough, I think.
683.
by xapata 5y ago
You misunderstood. You can provide the Logo experience with Python.
684.
by xapata 5y ago
Don't despair. Even if the teachers thought they were just pictures, the students learned more. Logo was my first programming language.
685.
by xapata 5y ago
Yeah, but the number of people trying to make money from affiliate links is apparently near-infinite as well. A vs B product comparison is amazingly well covered. For the times I've searched for it at least. Reddit forums handle a g
686.
by xapata 5y ago
Googling for that particular question, it seems there are several pages answering it specifically. The article implied that no particular page answered the specific question about Mt Fuji, and that MUM had to synthesize the answer. Unfort
687.
by xapata 5y ago
I think that one is often answered explicitly by product review sites, for popular brands and models, at least.
688.
by xapata 5y ago
That makes sense. What would have been a better example?
689.
by xapata 5y ago
Are you suggesting that's a reason to not do this research?
690.
by xapata 5y ago
It's Schrodinger's vaporware. We'll find out some years from now. In Perl 6's case, what, 12 years after the announcement?

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