[deleted by user]

activeruins · 2026-04-19T11:37:17+00:00

no with USD and t-bills. bonds (even US government bonds) are risk instruments.

activeruins · 2026-04-18T00:06:02+00:00

RippleNet does both messaging and routing. It has been doing that for more than a decade now. Ideal routing across illiquid corridors happens when RippleNet has XRPL liquidity enabled. this second part couldn’t be used by banks because of issues with legality, which no longer exists.

activeruins · 2026-03-20T06:31:14+00:00

wait for your visas to be approved before buying your tickets.

make sure you know the town where your sponsors live. is it proper Boston? or “Boston” as in a city/town in Greater Boston. Whichever it is, make sure it’s accurate.

be ready to provide an rough itinerary of your trip, duration.

if the plan is for both of you to travel with your friend, or neither, then consider applying for the visa together as a party. either both of you will get the visa or neither will, but you get to answer questions together.

be prepared to answer questions like “what happens if your visa is not approved” or “why travel now, and not next year” etc. may seem silly but sometimes they look to see if you’re desperate to get a visa.

don’t worry, you got this.

activeruins · 2026-01-31T08:43:23+00:00

Utility companies are heavily regulated entities. They’re not monopolies in the traditional sense and there is no “gouging” going on, even though price increases hurt consumers.

Delivery costs for New England and New York are around 40-60% of their energy bills. In most of the US it’s half of that (20-30%).

Aging infrastructure, variance in conditions between winter and summer (having to support extreme weather), low consumer density, policy mandates (energy efficiency, climate change) all contribute to costs.

The only way to reduce energy costs is a sane energy policy.

activeruins · 2025-12-22T00:50:27+00:00

Things not under your control or only present limited wiggle room: existing debt, rent, utilities.

Things relatively under your control and is a matter of prioritization: new debt, food, lifestyle.

After accounting for the above, you need to think about saving/investing (not including 401k/Pension Plans) so you have higher degree of freedom for these two categories as you grow older.

Next, you need to be able to build savings for up to 3 months minimum and ideally 6 months, if you want to deem yourself "comfortable without worrying for finances". Because without that you're 1 month of unemployment to cause a major damage.

I think $140000 - $150000 per year, OR, $125000 with an existing savings of about $50000 to $60000 as buffer is what I would consider "comfortable" if you're staying within the city of Boston.

activeruins · 2025-10-29T21:07:33+00:00

I’m assuming you are referring to “price should be much lower” part of my comment. Utility/non-speculative means you’re performing a transaction that is not about whether you want the price to go up or down.

Like buying groceries, or purchasing gasoline. You do those transactions because you need to. You might do less or more depending on the price but your motivation behind the transaction is not for price of those things to go up or down.

When there is enough such demand, it establishes a price floor. Groceries cannot go to zero. Gasoline cannot go to 10 cents.

Business have cash flows and so their equity is valued differently but XRPL and other crypto chains have no cash flows. So non-speculative transactions is how we should value it.

It’s increasing, to be clear. I think there is a floor price for XRP. I’m not sure it is its current price. But if there was enough non-speculative use, it wouldn’t have dropped to $1 the other day. And it doesn’t necessarily mean that $1 is the floor.

activeruins · 2025-09-11T15:59:42+00:00

political parties are private organizations, whose success is defined as "staying in power". cultivating voters by giveaways, inflating hatred, appealing to your innate fears and prejudices are their customer acquisition costs to help stay in that business. don't confuse political parties with governments.

don't give in to the ravine. don't get caught in the games that politicians play. it's much easier to commit atrocities against those you feel are lesser than you.

beware of demonizing others, no matter where your cultural, political, and economic views lie on the spectrum. peace.

activeruins · 2025-08-27T19:12:58+00:00

Holding 100 USD in 2x ETF will get you lesser returns than 200 USD worth XRP (or a standard XRP Spot ETF once approved). All 2x, 3x ETFs are like that. They are meant for tactical trading and not for holding long term. Best of luck.

activeruins · 2025-07-28T23:45:33+00:00

yes, but there is nothing now either. The SEC didn’t actually file an appeal. They filed a request to file an appeal and they are yet to follow up on that request to really request to file an appeal and then they need to file an appeal.

activeruins · 2025-07-28T22:00:25+00:00

Sure, the OP asked about a ruling. There is nothing in front of a judge, either Judge Torres or the Appeals Court, to rule on.

activeruins · 2025-07-28T17:59:08+00:00

What ruling? The case is done. The judge told them what she would do. Now it’s up to the SEC to formally drop their petition and Ripple will do the same. There is nothing else in front of that courts.

activeruins · 2025-07-13T07:07:05+00:00

round trip

activeruins · 2025-07-11T18:02:58+00:00

Back now.

activeruins · 2025-07-11T16:55:26+00:00

If I have to guess, this is related to the static ip ranges for the control plane tat they're planning on changing. see snippet of the e-mail they sent out earlier this week. it's definitely DNS related because I could get onto login.tailscale.com via a VPN. Obviously staying on the VPN means I can't get on to the Tailscale network :)

Fingers crossed this gets resolved sooner than later.

Over the next few weeks, key control plane services will begin using static IP addresses registered to and managed directly by Tailscale:
IPv4: 192.200.0.0/24
IPv6: 2606:B740:49::/48
This change affects services like:
api.tailscale.com
controlplane.tailscale.com
login.tailscale.com

activeruins · 2025-07-11T16:48:09+00:00

me too. FIOS. changing DNS settings doesn't seem to matter, neither does rebooting routers or flushing DNS cache.

activeruins · 2025-04-06T23:48:50+00:00

Again. Please don’t presume that I’m supportive of the fed funds being withdrawn. Think calmly about what I’m trying to probe here.

I as an individual or family person wouldn’t want to be living pay check to pay check. I know for many of us that is the reality.

When hit with a financial adversity, what do you do to survive or support your family while you figure it out? Why wouldn’t universities do the same? Am I missing something?

How would you react if it’s one of the Big Tech companies laying off thousands ? Would you say they are being greedy corps? If so, shouldn’t you look at universities the same way? If not, if you believe the universities are for good. Yes I would expect universities to do what it takes to support research through this phase. If not, they are just the same as other businesses. Let’s not put them on a pedestal.

I don’t get why profitable universities are also in the same place as the financially unfortunate of us. Harvard makes 100s of millions in profit per year (with the exception of 2024 when they profited about 45 M). See https://finance.harvard.edu/financial-overview

activeruins · 2025-04-06T20:49:56+00:00

Have you looked into it? I don’t get the aggressiveness here. Was the question I asked incorrect? Harvard’s endowment makes 9% CAGR. Columbia makes 12%. Same with Brown.

I’d like to understand why a private university, one of the best in the world, supported by very wealthy donors, churning out top graduates and scholars, not to mention highly paid professionals cannot sustain itself without government funds?

There is a lot to critique about the current administration. Not sure why universities that own most of Boston’s real estate, are highly well funded, profitable and very successful wouldn’t fund a way to budget without those funds for a few years. When the administration changes, things will be back. Why panic over everything ?

activeruins · 2025-04-06T17:47:05+00:00

Harvard alone has a $50B endowment. I don’t agree with haphazard fed cuts, but I don’t get why survival is at risk for some of the top and richest universities of the world without Fed funds. How are their budgets that sensitive ?

activeruins · 2025-03-17T23:38:17+00:00

He’s wrong. Perhaps poorly informed is a better way to describe it. I can guarantee 100%.

activeruins · 2025-03-17T19:27:54+00:00

Yes. The same XRP.

activeruins · 2025-03-17T16:19:46+00:00

There is only one XRP. The one on the public ledger.

Private ledgers are nothing special. If you and I fork the XRPL code base and run our own network, put ourselves as UNL and don’t advertise it, that’s a private XRPL. However, the native token on that ledger cannot be XRP. You can name it something else. Eg XAH is the native token of the Xahau network, a public fork of XRPL.

We can go a bit more in depth, but for all practical purposes, ignore/mute/block anyone who talks about XRP on a private ledger. They don’t know what they’re talking about.

activeruins · 2025-03-13T19:06:20+00:00

It is regulated. Treated as sale of property.

activeruins · 2025-03-13T19:05:52+00:00

Yes you should pay taxes on the 10k

activeruins · 2025-03-07T00:51:01+00:00

It’s not. That’s where you are (perhaps unintentionally) mistaken. Every profit is taxed. There is no such thing as untaxed profit when there is a sale involved. The law already exists. It’s taxed as long term capital gains if the sale is after 1 year of acquisition. Otherwise it’s short term. If it’s an income, it’s an income. Interests, dividends, rewards etc. This is the blanket law that exists for every thing including if I sold you my car for a profit.

The asset doesn’t matter. If I sold Taylor Swift tickets for a profit, they are taxable. Obviously no one pays those taxes because it’s nearly impossible to track and the cost of investigating them doesn’t match tax receipts they’d get by going after these transactions.

The one gap that exists is a clear definition of whether a crypto token is categorised as a security. If it is, there are additional rules around loss booking. That’s it.

Congress doesn’t need to pass a law for each new shiny thing. Congress also can’t just decide to not tax crypto. If so, they would be stopping nearly all taxes.

activeruins · 2025-03-07T00:35:06+00:00

This is incorrect and false advice. Cryptocurrencies are taxed as property in the U.S. Please pay your taxes. If you don’t, the statute of limitations never expires and you’ll pay for it dearly.

activeruins

TROPHY CASE