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Joined 1 year ago
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Cake day: August 17th, 2023

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  • Can you elaborate on this? I’ve always thought that housing is an absolutely terrible “store of value”. Given the fact that appreciation at a population level, by definition means housing will be less affordable for the next generation. How is value for one generation balanced against subsequent ones. Also, it’s an incredibly inefficient way to build a nest egg or whatever. If you pay a mortgage like most people do, over 15-30 yrs, you’re paying something on the level of 150%-200% of its value over time. It seems to me a more rational way to build value is to keep housing costs low, allowing people to invest that difference (mortgage interest) into either investments or savings, rather than paying it to a bank.

    I get that the US doesn’t really have a culture of saving, but I feel like this is rationalized by the “my house will be more valuable when I retire” crowd. It’s so easy to save now, with efficient investment products broadly available to individuals. Maybe it’s time to let the house as the bulk of your wealth go, and make housing affordable again.





  • Here is a wiki source (insert error bars here) discussion of his stance on his work being officially licensed. He thought that use of his work outside of a comic strip would cheapen the value of the strip itself. This was frusterating as a child (who wouldn’t want a fucking Hobbes plushy) but now later I can see that it was at the very least a very defensible choice. Compare how people feel about C&H vs something that was commercialized to death like Garfield. Anyway, hope it’s useful.





  • I get this sentiment, but it’d go a long way for people who have the dreaded “range anxiety”. If they want the expense of both systems, then go for it. I have a used Chevy Volt which is a PHEV, we got it a few years ago and didn’t want to commit to full electric yet. It’s my families only car and in our case it’s been bullet proof. 95% of our driving is on electric with only family visits requiring gas. It’s not a bad system for people who aren’t convinced. Different now that it’s becomming a culture war issue though.







  • I genuinely don’t understand why so many people go with the network brand. AFAIK all of the US networks have MVNO’s that operate on their networks at much lower cost. Some of those virtual operators are even owned by the big guys, e.g. Cricket on ATT. My coworkers pay literally hundreds of dollars more per month than is necessary, and what, they get a few Mbps faster data rates? Is that really worth it?

    Edit: TIL a lot of people have had a hard time with MVNO’s. My experience has been excellent and consistent, but that apparently doesn’t generalize.





  • Yeah that’s true about losing access to your shit for sure. There are options like multisignature accounts that could reduce the possibility of theft, but really the danger in crypto is shooting yourself in the face and losing your keys. Theft comes from bad software around the crypto like browser extensions and shit like that, the blockchain itself though makes theft numerically impossible on timescales like the existance of the universe. But your point stands that it isn’t user friendly, which isn’t new to emerging technology.

    On a personal note, I very much like the model of self custody of assets, and this is coming from someone who almost fucked up and lost their keys. Loss of assets is a possibility and should be in the mind of users, but the tradeoff here is that you always have access to your funds and control over them.

    Another commenter stated that crypto is solution in search of a problem, and I don’t think that’s not necessarily wrong. I see that as optimistic because it’s still a solution. It potentially broadens the space of possibilities from our sole option of centralized control by existing wealth/power structures.


  • Your second paragraph is where I think the win is. When you have self custody of things, you have more ineroperability and stuff like that. Largely I buy the statement that all this is a solution in search of a problem. I don’t think that’s necessarily a bad thing though. It broadens the possible space of options in the future, which I find to be exciting.

    Edit…added the following.shit

    There is at least one airline using this NFT model currently, in Argentina I think. It could be that the CEO is using the service because he’s just a crypto maximalist but I believe the win from their point of view is that they get a cut of subsequent secondary sales. They’ve sold the ticket once, maybe you can get a bit more for it.

    As far as the card game goes, what your saying, that the game could be shuttered is not different than what we currently have. It’s only different in that you’re able to own the cards while it’s running. Maybe you want to gift your child a good card that you have, you can just send it to them. Impossible currently because you don’t control anything in hearthstone except how much money to spend on packs.