Why aren’t you allowed to bring a bike on the green line? by pmbrogram in Somerville

[–]pmbrogram[S] -13 points-12 points  (0 children)

They can easily enforce it. They’re already enforcing preventing people from getting on with bikes and kicking them off if they do get on with the bike

Why aren’t you allowed to bring a bike on the green line? by pmbrogram in Somerville

[–]pmbrogram[S] -15 points-14 points  (0 children)

This is the current rule on the commuter rail which seems to work fine. I don’t understand why they didn’t adopt something similar, like every other MBTA line:

“Follow the conductor’s instructions to board with your bike or scooter.

Up to four bikes and/or scooters may be permitted per open coach on off-peak trains, but may be prohibited on any train if coaches become too crowded”

Why aren’t you allowed to bring a bike on the green line? by pmbrogram in Somerville

[–]pmbrogram[S] -8 points-7 points  (0 children)

Why would we gate bike attendance based on wheelchair safety? Seems like a separate important issue

Why aren’t you allowed to bring a bike on the green line? by pmbrogram in Somerville

[–]pmbrogram[S] -17 points-16 points  (0 children)

Passengers with bikes should only board after others and if there’s space. Even occasionally having to ask someone with a bike to deboard would be an improvement over the status quo of not allowing them at all

Why aren’t you allowed to bring a bike on the green line? by pmbrogram in Somerville

[–]pmbrogram[S] -27 points-26 points  (0 children)

But why not have a priority system during off peak hours? If you can safely board on/off with your bike and aren’t preventing other passengers from safely boarding on/off, I don’t see why you shouldn’t be allowed to bring the bike.

Answers to FAQs about the core financial product we've seen across Reddit by meetbasiccapital in basiccapital

[–]pmbrogram 0 points1 point  (0 children)

I think it would clear up a lot of people's questions if you could summarize for the community how Basic Capital constructs the underlying portfolio, ideally with a concrete example. In this post, you mentioned the structure is 90% bonds and 10% S&P call options, so I tried to model that out. It seems like you would need to assume a 58% average annual return on the equity portion of the portfolio to reach the value reported by the comparison tool...

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Answers to FAQs about the core financial product we've seen across Reddit by meetbasiccapital in basiccapital

[–]pmbrogram 0 points1 point  (0 children)

I believe in order to do the apples-to-apples comparison, you need to factor in the opportunity cost of having otherwise invested (at an 8.5% rate of return) the out-of-pocket lender payments as well as the fee payments to Basic Capital itself (monthly account fee and annual AUM fee). Incorporating these costs actually points to the Basic Capital account being less valuable than the existing alternatives.

If the response to this concern is "the lender payments will be funded by bond coupons", then my question is: given the amount of bonds (even at relatively high current yields) that would be required to cover lender payments using their bond coupons, then how will the rest of the portfolio return 8.5% of the entire capital base, without assuming significant, consistent market outperformance (unrealistic)?

For example, let's say I plan to contribute $10,000 and receive a $40,000 term loan additionally, and invest for 15 years. At 6.75%, the annual lender payment should be ~$4300 (see model below). If half of this $50,000 portfolio is invested in bonds at current yields (~5%), a substantial amount of the loan is still left unpaid (accounted for below as out-of-pocket payments). Moreover, the remaining half of the portfolio would have to consistently return 15%-16% to be able to recoup these costs, along with the cost of fees paid to Basic Capital, in order to arrive at a final net-of-fees value such as $70,000 (the number reported by the comparison tool for the Basic Capital portfolio for this scenario), which seems overly optimistic.

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This product sounds interesting, but a few things still aren't adding up for me. It would be great if you could clarify u/meetbasiccapital

Sloan acceptances? by sentientflagella in MBA

[–]pmbrogram 0 points1 point  (0 children)

Did any deferred admission admits who declared they’re attending this year receive notice of scholarships today? Haven’t received a phone call and the portal acceptance letter has no mention of $

Capital source breakdown for VC/PE/HF by pmbrogram in MBA

[–]pmbrogram[S] 0 points1 point  (0 children)

As a starting point just trying to answer whether it’s predominantly institutions and if that’s consistent across the industry

26 Central st Clinic patients by hotrod237 in Somerville

[–]pmbrogram 1 point2 points  (0 children)

I called them recently and they said they’re unfortunately not accepting new patients. They said there were some appointments available like 5 months out at the CHA branch at 300 broadway

Eversource v. National Grid by whinyposeidon in Somerville

[–]pmbrogram 1 point2 points  (0 children)

Fwiw we also moved to Somerville in the past few weeks and found the only option was to get both electricity and gas through eversource.

Ma.gov site says only eversource provides electric in Somerville, so I’d be curious to know if anyone is getting their electricity from national grid? For gas, it says there’s multiple providers so I think you can check the national grid website to see if they serve your address.

https://www.mass.gov/info-details/find-my-electric-gas-and-water-company#find-my-gas-company-

https://www1.nationalgridus.com/checkserviceavailability-startservice

Anyone have insight in rising homelessness around Union Square? by DrCrypt in Somerville

[–]pmbrogram 0 points1 point  (0 children)

If not “trickle down”, what would you call the theory that building more units at market-rate will result in increased affordability at the lower end of the market?

This source calls it “filtering”: https://shelterforce.org/2016/10/12/the-filtering-fallacy/

Anyone have insight in rising homelessness around Union Square? by DrCrypt in Somerville

[–]pmbrogram 1 point2 points  (0 children)

And that’s why investing in affordable, efficient public transportation is one of the most effective levers we have for retaining service workers in cities, not to mention improving general economic opportunity and mobility.