7-8% is the standard value used after taking inflation into account. It’s really 10%, but inflation eats 3% yearly, on average. Using the metric this way also conveniently means that the value you calculate for the end of compounding (in 35 years) is interpretable in todays dollars.

So 7% interest on 50$ monthly for 35 years means total principal of 21k$ and total of 83k$ (todays value).

See https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator

Yay! Been waiting patiently.

I think the best course of action is to find an cut the antenna or it’s trace on the board (and verify). Sounds a lot easier than it is though.

edit: or also pull the modem fuse, if it has one

Also, horse is bigger/more visible to cars, and maybe could be in the street. So you may not have to wait on traffic crossings as much depending on the area.

I still choose e-bike because poo, but what a looney idea, I love it.

(Area code) 867 5309

It already has an account, and nobody who gets that number keeps it for long, it may not even be assigned anymore because of how much spam it probably receives.

Pay cash when available, keep cards for when it’s not or it’d be a hassle (your discretion).

Second this. Vanlife stuff is focused on size, mass, durability, efficiency, replaceability, repairability, modularity, price. There is nothing better than vanlife videos for learning how to live minimally within an apartment.

Some additional tips,

• folding furniture.
• Human baseline happiness returns to set points. Remove something non-essential and you may be sad at first, but will eventually stop caring.
• No couch or TV: if it cant fit on/in my car or is fragile, I’m not buying it.
• if you don’t mind appearing “poor”, you may realize that the products that best fit all the above criteria are just basic things from walmart, target, etc. Those folding plastic tables and metal bed frames, plastic tubs and drawers, actually solve their problems 90% as well as traditional products at 10% the price, while being readily available everywhere. You don’t worry about damaging them either.
• take or leave advice. Maybe you want a nice desk. I have a nice office chair. It will be hard to move, but it’s worth it. The point is you can be minimal in unimportant areas.

I’ve noticed that too. Is it related to covid you think? As in it was like this before and now we’re returning to normal progression as people rebuild social connections and lose time. Or is it that the whole dev economy is changing with layoffs and such that devs are leaving the industry altogether? Or something else even?

Spray paint until it stops getting replaced

They paused funding for all of the exciting P2P and low bandwidth stuff last year. Hopefully it resumes soon, as mentioned in the GitHub thread.

https://matrix.org/blog/2023/12/25/the-matrix-holiday-update-2023/#In-other-news

Meanwhile, P2P Matrix and Low Bandwidth Matrix is on hiatus until there’s dedicated funding - and Account Portability work is also temporarily paused in favour of commercial Element work, despite the fantastic progress made recently with Pseudo IDs (MSC4014) and Cryptographic identifiers (MSC4080). Given P2P Matrix and Account Portability were the main projects driving Dendrite development recently, this may also cause a slow-down in Dendrite development, although Dendrite itself will still be maintained.

https://github.com/matrix-org/dendrite/issues/3413

I’m still sad they stopped work on dendrite. P2P level decentralization, with E2EE, would be amazing.

These are still great improvements though. I’m hyped that loading seems to be so much faster.

+1 for syncthing.

Always get the version of the gadget with replaceable batteries unless you want a brick in 3-10 years. Additionally, prefer 18650, AA, AAA batteries, and keep some rechargeable ones around.

It’s not the biggest, but it still is a concern, and is exceedingly easily mitigated.

It at least used to be adaptive because at one point it went to 500$ for me, then changed back down a couple months later.

For privacy.com:

• great for anyone in the USA
• don’t worry about difficult subscription cancellations again, just turn that one’s dedicated card off
• I have personally blown past the daily spend limit of 250$ without issue, idk if that limit is real. The 1000$/mo may be though I’ve never hit that.
• I’ve used privacy.com for everything from Amazon to car insurance to gym memberships.

On credit freezes:

• a freeze means that your consumer report will not be shared, which means applications for credit in your name will be denied
• all USA consumer reporting agencies (data brokers) are legally required to freeze sharing of your reports for free upon your request
• you can temporarily unfreeze when you get a new credit card, apply for rental property, etc.
• don’t let them upsell it or try to direct you to another page with similar language, it is free
• credit monitoring products need to request your report to see if any new accounts have opened. Don’t monitor it, prevent it by freezing the reports
• freezes are required for any data broker, not just credit. This includes LexisNexis (job history), and presumably the ones that do rental and vehicle ownership history though i don’t know their names.

My favorite was the password set screen allowing up to 64 characters, but login fails if the password is over 32 chars.

Yes! It’s not so much the work itself, but the mental effort tied to it. After a couple weeks of repetition something becomes habit, that mental effort is diminished.

For most people, big breaks in habits fall apart fast, while more gradual changes stick.

For example, many make resolutions to get fit, and start a bunch of related things. But since none of it is habitual, it requires mental effort to do consistently. Soon, something else important requires that mental attention, and the plan falls apart.

The successful ones aren’t special, but they created one, little, achievable metric to hit:

1. “Subscribe to 2 science-based fitness influencers and watch their content regularly”.

Because it was easy, it became habit. Then, they chose another simple thing to build on:

2. “Change evening commute to pass by gym”
3. “On Tuesdays, go into gym”
4. “Learn proper form for one excercise”
5. “Bring a protein shake”
6. etc.

Each of these is so small they don’t really feel significant at all. And they’re not. The important thing to understand is we’re all lazy. The real challenge isn’t getting yourself onto a diet or into the gym, it’s designing your habits so that the diet isn’t “a diet”, it’s just what you eat. It’s designing your life so that going to the gym requires less mental effort than not going.

I could write a lot more about this but it’s already getting long. Atomic Habits is a good book on how to design your habits and habit chains, if you have the time.

There are a lot of good suggestions in this thread, one thing to note is that too much change too fast is a recipe for failure. Whatever you do, make sure it’s manageable. For each change, ask yourself whether it can become a permanent habit for you. This is the only way to sustain it enough to achieve your goals. It could help to write down good ideas, and try them one week or month at a time.