he/him. LARPer, Nerd Organizer, Web Dev.
Mastodon admin, joeterranova@leftist.network
Not the CNBC guy but I’ve got Nihilist Stock Market advice🌻

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Joined 2 years ago
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Cake day: June 14th, 2023

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  • That was the entire point of mortgages. You’re paying interest, and could end up paying well over the original house value, but over a long enough time period, via inflation and property values increasing, you’re still making out ahead of renting. Depending on the mortgage interest rate, you could be better off not paying it off early.

    For example, I refinanced my house at 2.6%. Afterwards I started paying extra principal payments. My mother the accountant told me to stop. The interest rate is lower than inflation, I’m better off using the money for other things or putting it into higher yield savings accounts instead of paying it off earlier than schedule.





  • Because their practices are anti-competitive. School kids are getting bullied for using Android phones because they’re “green texters” in iMessage. But most importantly iMessage’s connection with SMS causes all interaction to be very low quality images and videos. And when people complain to Tim Apple about the experience, his only response is “Get your grandma an iPhone”. Our only saving grace is that the EU is requiring Apple to support RCS, which should solve these issues, except they’ll probably find some new way to be anti-competitive about it.




  • Obama was a huge problem, but not because of being half black. Because he ran on a progressive platform, and then was decidedly Centrist once he actually got into office. The entire financial bailout could’ve gone way better, and moved the country in a far better direction, if he wasn’t busy placating his wall street friends. His drone program made every civilian in Afghanistan and Iraq despise us to the core, and made children afraid of the sky. He pushed through Obamacare/Affordable Care Act, which was the Republican plan, as a compromise. None of them voted for it anyway, he could’ve gotten through a much better plan instead. Hillary’s loss in 2016 was as much a denunciation of Obama’s centrism as it was about Hilary or right wing populism. And his interference in 2020 to get all the centrists to back Biden and shut down Bernie may have doomed us in 2024.


  • Not a lot of products have to do that. The one people bandy about is McDonalds adding “Caution: Coffee Is Hot” to their stuff, but the actual coffee spill lawsuit was over coffee hot enough to cause 3rd degree burns. Few things need cautions against their intended use.

    Q-Tips / cotton swabs are an almost uniquely bad tool. It’s incredibly easy to rupture your ear drums. There’s no actual health benefit to swabbing your ears – it just feels good your ears get itchy. A safer tool could be made, but it’d be more expensive, more involved to use, and there’s probably several but I can’t be bothered to find out, and neither can you. They make a product that they know is inherently dangerous to use and has no specific benefit. So it has a warning against doing it. Same as cigarette packs have a warning that they cause cancer, even though everyone buying them knows that and smokes them anyway.



  • Beta blockers are usually prescribed for heart problems, but what they actually do is block boosts of adrenaline. That can help people with anxiety, because anxiety manifests as an adrenaline boost when trying to do certain things, leaving them shaky and nervous. If someone is anxious about speaking in public, or talking to new people, etc, beta blockers help with that a lot. They’re a game changer for people with social anxiety.


    • Large files I don’t care if I lose (perhaps videos of popular things): NAS. Hard drives are cheap, not worry about losing it, I can download it again if needed
    • Storage with frequent access and security compliance: Wasabi. $6.99 per TB per month, free egress. Compatible with S3. SOC2 and PCI compliance. I use this for work as a backup to S3 for website images.
    • Files I need to store cheaply, redundantly, and access often: Backblaze B2. $6 per TB per month for storage. You can download 3x the amount of storage you have per month for free, or connect Backblaze to a CDN partner like Cloudflare for free egress through them. It’s also AWS S3 compatible, so you can just the AWS SDK/CLI or tools that work with AWS S3. I use this for hosting image files for my Mastodon server. Note that Backblaze B2 also has SOC2 compliance and US region available now, so it should be as secure as Wasabi at slightly lower cost if you don’t have a ton of egress.
    • Cheap long term backup storage: AWS S3 Glacier. $0.0036 per GB per month (so $3.6 per TB). Upload your files to S3, and add a lifecycle rule to migrate them to glacier. Glacier is cold storage, extremely cheap and great for a redundant backup. I use this for backing up photos and other files I’m going to want to store forever.

    For anything I’m hosting, multiple backups. Home NAS is usually the first backup, followed by cloud storage. So if I need something now, I can get it from my NAS. If there’s a problem with my NAS, I can get it from cloud (though with a delay for Glacier)



  • On the other side, Free and Open Source Software leveled the playing field for software development by quite a lot. Before FOSS you had proprietary databases, proprietary OSes, proprietary web servers, etc, at every level of the chain. Without FOSS Internet Explorer and Microsoft Office would rule the roost. Without FOSS smart phones might’ve taken years longer, and have far less choices. Without FOSS the web would be drastically different. Without FOSS development would be harder to break into, and anything you tried to produce would involve 15 different licensing fees.


  • Do people forget that games used to require you to have the CD-ROM in the drive before they would run? Even though most of the time the entire game was installed on your hard drive? It was an anti-piracy measure, but incredibly annoying. Even for games I owned, I would find patched no cd exes to avoid it.

    Before I figured that out, if you lost or damaged your CD, you were just screwed. Buy the game again. My dad had a lot of character flaws, but at least when I was a kid he would take the time to call game companies and get a new CD for a few dollars if the disk stopped working.

    Using Steam is incredibly more useful than what came before. Almost every game I owned in the era before Steam is just plain lost. There’s only one set of games I still have easy access to – Half Life, because you could register your CD key in Steam. I have a bin full of old game CDs, and I’m sure none of them work. But any game I’ve bought through Steam, in the last 20 years, I can click to download and play right now.

    Add on to that that, no, lots of games did not actually work well out of the box, and needed updates to work. And you had to hunt down those updates. And a lot of those update sites do not exist anymore. Any game I install from Steam is the latest version of the game, and will auto-update if there’s a new one.


  • It’s hard to overstate the psychology behind the github profile. As a developer, your github profile shows that you’re actively developing, whether it’s for open source projects or for work projects. My previously company used a private gitlab install, which meant only my open source work showed up on github. My current company uses github, which means my profile shows green all the time.

    We’re a small company, but the github costs are a drop in the bucket. As others have said, it’d take something truly federated, or a crazy price jump from Github, for me to consider moving. It’s free for my open source projects, it’s a small amount for my company, and I have a public profile I can point to whenever I’m discussing my development.