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Ah no, sorry the interests aren't flat, they're compounded. But at 1% it doesn't make much of a difference. Actually it's sorta half, the insurance is flat and the interest are compounded. Insurance is only around 0.5%, but in some cases it's getting more expensive than the interests themselves...

Yeah we had some seriously shaddy stuff going on in the 80's, now banks aren't really allowed to do anything but flat, fixed interest rates. Anyway you'd have to be retarded to get a variable rate loan, when the interest rate is around 1%... My parents had some really funny stuff in the early...

There is a "buying tax", about 8.5%, and usually real estate will indeed take around 3% (up to 6% in the country where real estate is cheap), so you're taking a 12% hit the moment you're buying. I just made the computation for the purchase I made exactly 3 years ago (appartment): Downpayment...

Buying a house should be a codly calculated move indeed, but there are certainly a lot of instance in which owning a house for much less than the duration of the loan is good. What you should compute is how much renting would cost, how much buying would cost, how long do you plan to live in that...

You're black or something ?

Especialy if it's taxes !

Kinda agree with you, there's a storm coming, but... It could very well be in 20 years from now, look at Japan; 200% debt, low interests rates for decades, there's absolutely no telling when that madness will end.

The future of food in the globalists Green utopia

Boeing is getting a lot of money directly from the tax payer. And they both should ! Else we're going to fly in chinese planes soon...

Managing through excel spreadsheet and trying to get a 15% IRR is what started the western decline. 15% IRR doesn't sound like a bad idea on the paper but the end game is that the present is worth a lot and the future not so much, i.e. turning us into Africa.

737 max still not allowed to fly, a nice summary of the dilemas that Boeing is currently facing. Considering the risks, it probably mean that Boeing think that the odd of the 737 being allowed to fly within 3 months is low, I guess the airlines are now wondering whether they'll be allowed to...

Why the fuck do they have to end each episode on a cliffhanger, when they release them all at once. Especialy on a good show, who's going to not watch them in max 3 days ?

I'm really enjoying Fairy Gone, S1 was mostly setting things up, S2 is really good.

They might not want to play SNES game in 2 years, when they've been exposed to modern video games. And quite honestly that'd be a shame. I'd say that if you are allowing them to watch TV, there's absolutely no reason you shouldn't substitute TV time with some video games time, there is simply no...

Does anyone know someone who played too much video games ? To me it's a legend, never met the guy. Quite the opposite actually, I've met a bunch of people that were on a pretty bad path when they picked video games... and now they've got a disturbingly normal life... And we all know it, 6 hours...

15 minutes in EP 1. It's weird, it does sound like Star Wars.

This shit has been around forever and I don't think many people lose sleep over greedy idiots losing money. What I'm wondering here is a more elaborate scam in which regular investor are losing money. Someone manipulate a stock into indexes, triggering a massive buying of it, they are now...

Probably some individuals thought they could make some quick buck on it, as its price should have increased if they joined an MSCI index, but this article Bloomberg - Are you a robot? says Vanguard and other managers of ETF buying. So it mght also be "cautious" investors who lost money. Or maybe...

I guess those ~$5B haven't been lost for everyone... That's the kind of shit we'd need data as to who was holding the shares when it crashed.

Monster is really a great anime. An anime you're not supposed to binge, but it is hard not to... Here are a few (non obvious) oldies I like very much : Paranoia Agent Haibane Renmei Now & Then, Here & There Juuni Kokki Uchuu No Stellvia Witch Hunter Robin Black Lagoon Spice and Wolf Noir...

Yeah, so do I, but she's bottom 5% in size and bottom 1% in weight. She's not skinny, just not a lot of fat compared to her peers.

I don't mind if she's not clearing her place personnaly, but what she doesn't eat isn't going to be substitued by something else. If she wants something extra, like a biscuit or some chocolate, she's got to finish her plate.

Gotta love the broccoli and blueberry meal... The diaper the next day is... Oh I don't even want to think about it.

The very first food my daughter was allowed to eat on her own was boiled vegetables and fruits, she very much liked be able to eat on her own and not be fed. So now she loves boiled vegetables and fruits. It's even a problem, because sometimes she'll eat 1 pound of broccoli, be full and not eat...

Cold winter ahead ? https://www.birminghammail.co.uk/news/midlands-news/uk-braced-coldest-winter-50-17120351

My daughter, getting close to 3, is bitting other kids. The problem is that she does it in "self defence", I've witnessed it twice yesterday, she's playing with a toy, a kid comes near her and try to take the toy off her hands. So she bites her. Then she's sitting in a chair, a kid is trying to...

I'd say Seirei no Moribito (because of GitS and all the fantasy stuff) and Black Lagoon (because GitS / Goblin Slayer)

Don't forget who the people doing the teaching are... Even if some very bright people design a super smart way to teach kids, the bottom line is that it's mostly being applied by not-so-amazing teacher. That's why the so simple it's dumb system in Asia is outperforming ours, what we're trying to...

Err... how is that related to my post, I'm saying that if you want to measure the effort put in by a student, testing the memorization is a great way, because it's less corelated to "talent/IQ" than being able to manipulate abstract concepts. As for balancing between "brutal memorization" and...

Literally no one is saying memorization should be the bulk of education, but trying to get entirely rid of memorization at any cost is retarded, period. All technical skills require both memorization and understanding to master them. And testing if a student was able to memorize something, is a...

Also asking to memorize is a good way to measure the effort put in studies by a student. And whenever you measure efforts put in by the students, you get embarassing results for the left, i.e. the main reason poor kids, and even more so, "minorities" (as in not white/asian/jew) fail is the lack...

No they are not. Not in France anyhow. From 15 to 20 they literally do 20 hours of exercices a week, memorizing entire books of them. And that produce the most field's medal per capita in the world. It's not 'poking' it's thousands and thousands of exercices that read like "prove that...

Saying memorization is for dumb kids is godamn insult to the brightest mathematicians. I don't know about the USA, but in France (or in Russia for that matter) that has the most fields medal per capita in the world, kids preparing for the top schools spend 20 hours a week doing maths exercices...

It's the same as the IPhone, most people want the absolutely most fancy house they can(not) afford. Their bank tell them they can buy up to 500k; they're going to buy for 550k after scrapping everything, and possibly learn that leverage cut both ways... And even if the worse doesn't happen, shit...

I find it mind boggling the amount of people around me, earning similar amount of money, that have no savings at all. Why the fuck do you buy the 1500€ Iphone on credit ? Or your 20.000€ Safari ? And then complain that you (and your girlfriend) have to live in a shit 200 sq ft appartment that...

I'm starting to hate more the shoot your kids and don't ask questions crew than antivaxers. One is dangerous for their kids and the other is a fast-track to 1984.

If you want to maximize your field's medals you go full Bourbaki from grade one, if you want to maximize the outcome for the less gifted students you go the old way, I.e. the way it's target in Asia that are crushing the west in every measurable way since the west has been teaching in...

"The value of a teacher is determined by the student who couldn't do without help". I'm not sure who I'm quoting, but it's certainly wise. A top 1% student will figure the best way for him to do things, and teachers are just an annoyance to him. Now for the vast majority of students, it doesn't...

Yeah, they're definitely fine with it. It certainly doesn't bother them to get a "divide by zero" error on a program.

If you want your kid to succeed in maths, you have to get them to learn the damn table asap, unless your kid is top 1%, which is probably godamn hard to know at that age, and then making fucking sure they don't use a calculator when doing math until they've finished high school. The way we're...