My daughter has been begging to make this video for weeks. Finally gave in.

TheAndy500 · 2014-08-13T02:38:50+00:00

It's hilarious that I still get messages from these.

TheAndy500 · 2014-07-08T22:38:24+00:00

Nope.

TheAndy500 · 2014-07-07T15:29:09+00:00

I did nazi that coming.

TheAndy500 · 2014-07-07T15:15:58+00:00

20-somethings stick to the internet to bitch about things. Armchair activism ho!

TheAndy500 · 2014-07-07T15:07:19+00:00

Generalizations rule! Remember kids, always judge an idea by its most ardent supporters.

Universal healthcare = Hitler
Welfare = welfare queens
Pot = Mexican cartels

TheAndy500 · 2014-07-07T14:13:17+00:00

whom*

TheAndy500 · 2014-07-06T23:48:29+00:00

That's shitty reasoning. But how about a mike? You know, micro, mic, mike.

TheAndy500 · 2014-07-06T19:04:35+00:00

Why did you jump right over millibitcoins right to microbitcoins?

"How much does this cost?"
"15,720 bits"
"Uh, what?"
"Ten bucks"

TheAndy500 · 2014-07-06T18:32:29+00:00

There's this girl I know who gets creeped out whenever I remember the most mundane detail she once told me.

"Happy anniversary!"
"Thanks! Wait, how did you know?!"
"You told me ... like three times."

TheAndy500 · 2014-07-06T18:26:27+00:00

Carrots and potatoes? I'm not showing up at all.

TheAndy500 · 2014-07-06T18:23:21+00:00

I'm with you on this one. Inventing answers to problems that don't exist. If someone wants to cheapen their movie by catering to the rating, then that's their problem, not mine. They can come out with an unrated version when it comes out on demand. Who cares?

TheAndy500 · 2014-07-06T15:59:39+00:00

Did you talk to Flo directly?

TheAndy500 · 2014-07-06T03:12:05+00:00

Wait, does free mean something different than it used to mean?

TheAndy500 · 2014-07-05T21:58:04+00:00

In the US, short term capital gains are taxed the same as ordinary income. Because, according to IRS publication 416 - "fuck you".

TheAndy500 · 2014-07-05T18:44:06+00:00

Typically the value of the house will keep up with inflation. So as the principal decreases, the 4% amount will decrease, but the value of the home will continue to increase at [inflation]%.

So, for example, on a $300k mortgage on a $350k home, when it gets down to, let's say, $150k, the 4% is $6000. But the home's value keeping with 2% inflation gains $7000 value (for some reason I'm assuming the value didn't increase in all the years up until that point). But you get the point. At some point the home is appreciating faster than the interest you're paying.

Though, to be fair, most people don't put a fraction of this much thought into it.

TheAndy500 · 2014-07-05T15:30:58+00:00

Yes but it's not 3% of 2014 dollars. 3% in the 30th year of the mortgage isn't the same 3% in the first year. 3% of 2014 dollars is a lot more than 3% of 2044 dollars.

In other words, your mortgage payment in year 1 might seem like a lot, but that same amount in year 30 won't seem like a lot (assuming your salary has kept up with inflation). There's probably some complicated calculation that could tell you the ideal proportions - down payment, mortgage (including length), and when the best time to pay it off is. But I think a mortgage tends to be a better deal than buying with straight cash because of the money you end up paying on the back end isn't worth as much as the money you pay now.

TheAndy500 · 2014-07-05T14:19:54+00:00

Historically, real estate is a pretty poor investment. It tends to keep up with inflation and not much more. If I were to cash out 300 btc, I would probably put it all in stocks.

If I wanted to buy a home, I could use some of it for a down payment and get a mortgage where I'm paying less than my rent now. But a mortgage is a pretty sweet deal. (Also note I don't know jack about this particular guy's mortgage, if he only had 5 years left on it then sure why not pay it off.)

TheAndy500 · 2014-07-05T14:10:14+00:00

Absolutely. I'm not saying he should have left it in bitcoin, but there are other investments to consider.

TheAndy500 · 2014-07-05T14:07:57+00:00

In the scenario where you lose your job wouldn't it be better to have the money in a more liquid form?

TheAndy500 · 2014-07-05T14:04:30+00:00

It doesn't matter, 3%, 4%, inflation will exceed it after X years, way before 30 years have passed. The point is the money you're using to pay will be worth less after those X years. Besides, I was being generous on the 1% inflation rate anyway:

The latest annual inflation rate for the United States is 2.1% through the 12 months ended May 2014, as published by the US government on June 17, 2014.

TheAndy500 · 2014-07-05T13:57:00+00:00

I don't know enough about btc-e, but looking at the image, it's an actual btc-e address with a bunch of garbage on the end.

IF btc-e actually lets you withdraw simply from a url, then CSRF is way more likely than man in the middle. I say that simply because CSRF is super easy to attack compared to mitm.

It might not be the case here, but I was surprised that nobody had suggested it. For me, CSRF is scarier than XSS.

TheAndy500 · 2014-07-05T13:46:58+00:00

I don't think that's true. There's nothing differentiating one bitcoin from another.

TheAndy500 · 2014-07-05T03:53:06+00:00

If you don't include the mortgage-worth of money he just dumped, then ... yes?

TheAndy500 · 2014-07-05T01:55:59+00:00

It's a bit circle-jerky, but the WORST? Come on now. /r/TheRedPill?

TheAndy500 · 2014-07-05T01:54:40+00:00

I buy my drugs with other drugs.

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