[-] grahamsz@kbin.social 16 points 1 year ago

Also I can understand taking that risk for yourself. Certainly it's way outside my comfort zone, but I'm not going to tell someone else they can't do something dangerous. But how can you go out and hire people to help you knowing there's a 25% chance they'll be giving their lives for you?

[-] grahamsz@kbin.social 10 points 1 year ago

It'll be interesting to see if Americans would ever go for a "City Car". I believe Citreon are bringing the ami to the USA and I'd be tempted to get one a second car - it's certainly well under that pricepoint.

[-] grahamsz@kbin.social 36 points 1 year ago

Yes - it's been the job of the DRAM controller for almost the entire history of computing. But that's still a part of the computer and if it stops working then your RAM will go blank in a fraction of a second

[-] grahamsz@kbin.social 38 points 1 year ago

Even if it's powered, RAM will lose its data on the order of a tenth of a second. RAM doesn't just require power, it requires that your computer constantly read and rewrite it - so every 64ms your computer has to read every gigabyte of RAM and write it back.

[-] grahamsz@kbin.social 33 points 1 year ago

Yeah, especially when you imagine that they are accustomed to not having to seek out knowledge or even entertainment. When algorithms feed you everything and your attention becomes a commodity you don't need to develop the skill to actually find it, or the wherewithal to even imagine that you need to go out and find it.

I believe those of us who were online in the 1995-2010 era remember what it was like to have an internet full of possibilities that you could explore and discover, but that was the exception.

[-] grahamsz@kbin.social 8 points 1 year ago

The economics just don't work for short stays. It's expensive to clean an entire house, particularly if that involves washing multiple sets of sheets and towels.

Hotels are set up to be efficient at that with commercial laundry equipment and lots of identical rooms with no travel time between them.

Airbnb is almost always better value if you need multiple days and multiple rooms, but if you need one room for 2 nights then it can only really compete if labor costs are really low

[-] grahamsz@kbin.social 13 points 1 year ago

Generally, insurance companies aren't taking that risk. They can decline to renew your policy if they give you 120 days notice, so, for the most part, they are only insuring the next year.

This is all about the immediate risk of major hurricanes and the rapidly climbing costs of rebuilds. I know people in Colorado are really struggling to rebuild because costs have risen so much recently and insurance didn't keep up. I recently moved insurers (to Farmers, ha) and increased my rebuild amount by nearly 30%. That certainly came with a policy hike, but gives me enough that I have reasonable confidence I could indeed rebuild a comparable house.

I suspect there's also a risk concentration problem with some insurers. I've got to imagine they are looking at massive computer models of possible hurricane tracks and seeing scenarios where there's an outsized exposure. Still, what is curious to me is that they can't price it in as that's essentially the business that they are in. Would the required rate increase really be that unpalatable?

[-] grahamsz@kbin.social 8 points 1 year ago

If you buy eggs preshelled in the US then they are required to be pasteurized - something like this would be good https://vitalfarms.com/pasture-raised-liquid-whole-eggs/

In theory you can pasteurize an egg in its shell, but they aren't very common round here.

[-] grahamsz@kbin.social 16 points 1 year ago

But I think we focus on the wrong loopholes. The ability to accrue capital gains forever and not pay taxes on it, then die and let your heirs take advantage of a basis step-up is fucked up. Maybe if your net worth exceeds a certain amount then you should have to mark-to-market annually and pay taxes as if you sold and rebought at the market price.

[-] grahamsz@kbin.social 18 points 1 year ago

I think the problem is that most of us define "rich" by the accumulation of wealth, but for tax purposes it's usually defined as annualized earned income. Many billionaires pull no salary, and manage to defer capital gains so effectively pay very little tax.

[-] grahamsz@kbin.social 17 points 1 year ago

Well yeah, it wouldn't be 52% if they were doing it on purpose.

How did the twits possibly not foresee this happening? Surely they have someone with some SEO experience left, anyone.

It'll take a while to recover from this - google aren't going to add half a billion pages back in nearly as quickly as they take them out.

[-] grahamsz@kbin.social 11 points 1 year ago

On point 1, i was discussing this with my partner and she replied "I know you'd keep the 2.75% mortgage". I felt seen

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grahamsz

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