garrettgrimsley

>I ruled out option #2 because appraisals are expensive. Spending hundreds of dollars for an appraisal, on top of paying for PMI, felt like throwing good money after bad.

Your mileage may vary, but for myself, in August of 2023 in Raleigh, the property valuation cost was $190. Check with your lender, or shop around for a different valuation company that they accept. My numbers were similar to those of the author: my PMI was $113.83 and my time for loan-to-value to reach 80% was about four years.

What I found was doing the property valuation and then investing the lump sum of cash put me ahead of the 10% 1-year return. The author can now take their $115 monthly savings and invest, but it will never yield nearly as much as investing the $32,000 in even the most conservative scenarios.

You can play around with some various scenarios in a spreadsheet or https://www.investor.gov/financial-tools-calculators/calcula...

Comment · 1 year ago

You hadn't mentioned that your focus was on the USA, but rather a general "The targets of the theory are essentially people with non-stem post-secondary degrees" which is why I provided a paper that directly contradicts your statement. Elite Overproduction is not a US-specific topic, and the paper being from 2007 does nothing to invalidate its findings or lessen its relevance to Elite Overproduction. Funnily enough, I hadn't checked astrange's reference that prompted this discussion, which is Gambetta and Hertog.

Comment · 1 year ago

This doesn't align with the scholarship on the subject. See Gambetta and Hertog https://www.nuff.ox.ac.uk/users/gambetta/engineers%20of%20ji...

Comment · 2 years ago

You're likely correct about the labor per kilogram-kilometer cost, and this e-bike solution is only competitive due to constraints applied by the government. This does ignore the negative externalities that result from the use of larger parcel delivery vehicles.

>a fleet of electric cargo bikes in Norwich to deliver thousands of packages per week.

Reading the article, this quote in particular stuck out to me because it is not uncommon for a single package car driver to deliver thousands of packages a week. This comes from my experience as a UPS Package Car Driver in Raleigh, North Carolina, which has a population density comparable to that of Norwich.

Comment · 2 years ago

To all those snidely commenting about trains or rail: Do you think that Japan, of all places, is not familiar with railways? The article states that this is for palletized or small-package loads. Give them some credit.

Comment · 2 years ago

tracker1 is saying that in that case there would be a feature named shared, which other features then reference.

Comment · 2 years ago

>I think the configuration aspect (YAML)

What are the reasons to not use JSON rather than YAML? From my admittedly-shallow experience with k8s, I have yet to encounter a situation in which I couldn't use JSON. Does this issue only pop up once you start using Helm charts?

Comment · 2 years ago

Looks like others, including Shazam, beat you to the punch in 2000:

https://patents.google.com/patent/US7853664B1/

https://patents.google.com/patent/US6941275

Very interesting hearing about all of the differing approaches people have taken to solving this problem! Do you have further writings on this topic?

Comment · 2 years ago

The parent is saying that “dry powder” (i.e. cash) can be used to "pull the trigger" on a purchase of luxury vans when a rainy day comes along and the owner of the vans are forced to sell at reduced prices due to economic hardship.

Comment · 3 years ago

If you use uBlock Origin you can do

     www.linkedin.com##:matches-path(feed).scaffold-layout__main
     www.linkedin.com##.global-nav__primary-link.global-nav__primary-link--active.app-aware-link

The former will block the main content of the page while on the /feed/ path, while the latter will block the "Home" button in the header nav.