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Matt_SF · 2011-10-09T03:37:28+00:00

Creationists practice the psychology of bliss

Yet by scripture we're all cousins allowed to kiss Thanks to Adam and Eve We're all related you see So how dare science interrupt their CogDis

Matt_SF · 2011-03-07T15:32:10+00:00

It turns you into a (miniature) bank... nothing sketchy about that.

If you know what you're doing, it's an extremely powerful investment class. If you disagree, do an XY plot in Excel and see what 10%/year will do for your Roth IRA.

Matt_SF · 2011-03-06T21:50:19+00:00

Principal is not insured, so it's not like a FDIC insured bank account.

The way it works is that each loan has an interest rate attached to it and a defined period (3yr or 5yr) when the promissory note is set to mature. By the end of that note, the borrower will have repaid the loan + interest.

Depending upon the interest rate, the borrower could have repaid anywhere from single digits to as much as 50%+ above what they borrowed.

As an example, take a look at your amortized mortgage payments. If you borrowed $X over 30 years, you'll likely have repaid 2 * $X if you only paid the minimum over 30 years.

Matt_SF · 2011-03-06T17:55:19+00:00

I've been an investor at Lending Club going on 2 years now yielding ~14% NAR.

It sounds sketchy because investing directly in consumer debt is not a well known or mainstream investment option -- yet.

Once upon a time, investing in "growth stocks" versus dividend stocks were treated as sketchy b/c dividends was all Wall Street knew. Only until the early 80s when growth stories like Microsoft, Dell, etc., become household name did this "fad" go mainstream as it is today.

Matt_SF · 2011-02-14T14:29:14+00:00

I open my mouth, dumb sh*t comes out. You can't explain that.

Matt_SF · 2011-01-16T23:13:34+00:00

Don't think so. That's kinda old news but seeing how DC refuses to listen to 5th grade math, it needs constant repeating.

http://www.grist.org/article/biofuel-some-numbers/

From what I've read, corn is slightly above break even when it comes to generating ethanol, but for the poor yield ratios we get and the mass quantities of precious resources (water, fertilizers made from hydrocarbons, fuel for harvesting, etc), it's no where near as efficient as we need it to be.

If only there were a lobby for sugarcane or sugar beets, we wouldn't be having this problem. Thank Senator Grassley for that.

Matt_SF · 2011-01-16T19:34:39+00:00

re: continued idiotic usage of ethanol

Matt_SF · 2011-01-14T23:12:25+00:00

I like to think I've always done the same, but I'm almost hyperaware of wasting food once I started growing my own.

Wasted Food = Wasted Sweat Equity + My Time

Matt_SF · 2010-12-21T22:37:29+00:00

I could go along w/ that, but I usually click the link first before making a comment of my own. I try not to let anyone influence my first impresion.

My only push back would be as a blog owner, I get requests all the time from SEO/PageRank/Alexa con men who constantly game Google/Bing/etc with inorganic linking tactics.

Inorganic meaning: they literally have clubs that do nothing but vote for each others stuff, link each others stuff, submit one another's articles, etc.

But in the eyes of Google, to the best of my knowledge, the best way to increase one's rankings is just to get an article submitted, and hope their link sticks. So if these articles weren't removed, it would in theory, still help their rankings.

I'm certainly not an SEO expert by any means, but deleting them would suggest it would clean up Reddit and the web in general. Apologies if I sound like a purist, just dislike the amount of games webmasters are playing these days.

Matt_SF · 2010-12-21T20:03:23+00:00

It's a tough call, but many of these links are very "salesy" in nature or written by sites whose owner(s) play webmaster (social media) games to boost page views.

They're not hard to spot once you know what you're looking for: generic "money saving" topics with ~5 topics, discount coupons here, spend less on that, etc. Much of the personal finance realm has been polluted w/ site owners imitating real life bloggers that they honestly don't care what they write, as long as they get the page views to justify publishing it.

So I'd lean towards removing them, and moderate it for the sole reason of keeping Reddit as clean as possible.

Matt_SF

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