I'm of the opinion that people who get recommended constant slop are doing something very wrong, likely going out of their way to anonymize themselves as much as possible, then being all Surprised Pikachu when YouTube can't figure out what kind of content they like, so they get recommended the lowest common denominator popular stuff.
My feed is all channels I'm subscribed to or content from other creators that make similar content. I don't get Mr Beast or any other the other crap that people complain about.
> I was surprised to see SC3k described as isometric like 2k. I recall versions after 2k being "look anywhere" 3D
You recall wrong.
The only 3D SimCity game was the one released in 2013 that was simply titled "SimCity" but is frequently called "SimCity 2013" to differentiate it from the original classic.
How big can cities get, though? One of the things I love about Cities Skylines is how massive the land plots are, and the tiny plots of SimCity 2013 was a bigger turnoff than anything else in its disastrous launch.
At this moment, not so big but lately I've done some interesting technical breakthroughs that will enable large maps :D ... or at least a lot larger than SimCity 2013
The real key will be to discover how to run a city simulation such that it doesn't all have to be "active" at the same time (e.g, the opposite of the Factorio simulation).
> I loved my super high-interest loan. It meant that my most of my housing payment was tax-deductible, and that's fantastic.
Absolutely insane.
I guarantee that the tax deduction did not offset the extra interest you paid and that overall, it's a net loss for you.
The deduction reduces your taxable income, it does not reduce your tax directly. If you paid $30,000 in interest, it might reduce your tax by ~$10,000, so you're still down $20,000. Meanwhile, if you had half the interest rate, you might pay $15,000 in interest, reducing your tax by ~$5,000, so you're only down by $10,000.
And that doesn't even get into how the standard deduction works, which you can't take if you itemize so you can take the mortgage interest deduction.
I don't think there's a single scenario where choosing to spend more money than you otherwise would just for tax benefits results in a net positive.
It's absolutely a net loss, but the $55k deficiency when I walked away was worse. However, I realise that this was an artifact of the recession.
Less flippantly: I look at it as a question of government distorting the housing market with tax policy, and whether to have a deductible housing payment or not. Any conceivable appreciation is perhaps a bonus, but I truly don't care.
Re: standard deduction -- it wasn't then what it is today, post-Trump tax cuts.
> I don't think home ownership is an "every single weekend" thing unless you bought a fixer-upper.
It really isn't, and I don't know why so many homeowners act like it is.
I bought my house in 2015. It was built in 1983.
The only things I've had to do are a roof replacement, HVAC upgrade, and deal with a broken water main.
Sure, none of those were cheap, but that's 3 events in 11 years, and the first two I expect to not have to do again for at least 15 years, and the water main was a random one-off thing, and it didn't flood the house. It put a lot of water into my crawl space, but it didn't become a problem.
People who swear by renting will use it as evidence to show that owning is more expensive than renting, but I think they just ignore that those costs are factored into the rent, not to mention the fact that once I noticed my roof had a problem, I had people out the NEXT DAY to give quotes on replacing it. When I replaced the HVAC (Old A/C compressor was frequently tripping the breaker and was underpowered), I was able to choose to upgrade rather than dealing with a landlord who would install the cheapest thing they could find.
But ah...I've digressed.
The point was that home ownership isn't nearly the maintenance burden some owners seem to claim it is, and when there is a problem, being the one in charge of getting it solved, rather than having to harass a landlord into solving it, is nice.
The incentives change when you become a homeowner. You reap the benefit of any improvements you do to the property; you also know for sure when you're going to leave it, and you have the freedom to do whatever you want to do to it. Before, when you were renting, any improvements you did were throwaway time and money, benefitting the landlord and future tenants more than yourself.
Many homeowners respond to these incentives by doing more improvements.
This is also why many governments (both local and federal) subsidize homeownership. It incentivizes residents to improve their properties rather than let them rot, which has positive externalities for many of the surrounding properties.
Are you saying that during the 11 years you never had an electrical issue, window/door breaking, a paint job, a clogged pipe, mold growing somewhere, a tree that needed handling, etc... You either have very high quality materials, don't care or were just lucky. Usually something (small/medium) breaks every 2-3 months or so and something (medium/big) breaks every 3-4 years or so. Depends on usage too (1 person is very different than a family of 5 where 3 are kids jumping around).
> electrical issue, window/door breaking, a paint job, a clogged pipe, mold growing somewhere, a tree that needed handling, etc
I did forget about two of those. I did need to get some trees handled a few years ago. Was about $3,000 to get like 5 trees (A couple over 150 feet) removed. And we did get the house repainted, but that wasn't completely necessary, but was a nice to have. Wasn't that expensive, surprisingly.
But have not had electrical issues (Unless you count installing an EV charger), broken door/window (Unless you count my dumb ass trying to walk through a screen door and tearing it up, but that's a $150 replacement from Home Depot I install myself in 5 minutes), no clogged pipes, no mold.
Even my water heater has been fine. No idea when this tankless heater was installed, but it's been 11 years and no leaks or problems.
I did have the garage door tension spring suddenly snap, but I'm fairly sure that was only $300 to get fixed.
Again though, if I was renting the cost of all this work would have been included in rent. Sure, renting makes living costs more stable, but in the long run, I'm not convinced there's a scenario where it comes out cheaper, even if you're investing the difference. Rents in my area have gone up 75-100% in the last 10 years. My mortgage stayed the same.
EDIT: I suppose if you're in an area where rents are significantly cheaper than mortgage payments, it may be cheaper to rent. But in my area, it's very close to 1:1. When I bought my house, it was $340K, minus a $20K down payment. $320K at 4% for 30 years was $1527/month. Plus property tax brought it to about $1,900/month. Meanwhile, the rental estimated value was $1,800/month.
Rent is determined by supply/demand. In the USA, rents are higher (than buy) because rental businesses are dominated by companies who can do the math. In many parts of the world, rental businesses are small/micro by someone/family who want to own property.
So for many people around the world, it's more economical to rent. You are basically being subsidized by the people who are obsessed with the idea of owning a property.
A unit (multi-dwelling property, not necessarily an apartment) might cost 650k here, but only rent for 500$/w. 25kpa is a 4% return on that principle, before expenses (property management, maintenance, rates/taxes etc).
The only context in which it makes sense is if capital gains/land value goes up, which it has historically but that's no guarantee.
Houses make all these numbers even worse - higher upfront expense (land value) and lower rental yield (they rent for more, but tenants prefer a better house/dwelling more than they care about a back yard, so cost goes up more than rent does)
More to the point, some people just want to be constantly changing/improving things and a subset of those folks need to acknowledge that this is a choice not necessity.
> The tricky part though with any scaled service is that for every legitimate case like this, there are many more bad actors trying to hijack accounts through exactly this mechanism
I really wish more people understood this, especially on HN.
Account recovery flows are flooded with people trying to break into other people's accounts. It's going to be nearly impossible to make a system that can allow someone to recovery their account without also accidentally allowing someone to social engineering their way into someone else's account.
> Who is the customer for a Model S? What fancy full-size sedan would they otherwise buy?
raises hand
I like EVs for their ripping fast 0-60. It's the only performance metric I can actually use. Top speed doesn't matter.
I drive a Model 3 Performance. I would have upgraded to a Model S Plaid a couple years ago, but Elon made a hard right turn politically and so I don't want to give him any more money. Also, Tesla has still been unable to fix quality consistency. My M3P has been great, but I've seen too many stories. Even people paying $100K for a Model S Plaid end up with things coming unglued or misaligned. I've seen them try to deliver a car with obvious gnarly scratches in the paint.
With the weather getting dryer in the PNW, I'm now looking for a convertible for my next car. Still looking to keep electric though, so now I'm just waiting patiently for the Porsche 718, Polestar 6, or Corvette EV convertible if they ever make one. Basically, whoever makes the first EV sports convertible for $200K or less that doesn't look ugly as sin will likely get my money.
> lambdas having pretty wild constraints (only one line??)
I will never understand why people are upset about this.
You HAVE multi-line lambdas. They're called functions.
Yeah, I know you want a function that's only used once to be able to be defined in-line, but tbh I've always found that syntax to be pretty ugly, especially once you're passing two functions to a single call, or have additional parameters AFTER the function (I'm looking at you, setTimeout/setInterval).
once you use any language that lets you fluently inline a multiline lambda / closure you can never use Python again without it constantly irritating you
My feed is all channels I'm subscribed to or content from other creators that make similar content. I don't get Mr Beast or any other the other crap that people complain about.
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