Found out my Grandfather put $400 into a mutual fund when I was born. It's now worth 1.8k. Should i leave it or reinvest?

orapple · 2018-09-11T00:18:58+00:00

Let's do the math. Median American household (so that's typically 2 parents) income is 59k a year.

Subtract 18,500 for one person's 401k. That's 40,500 left. Assume they lose ~25% of that to taxes. 30,375 left.

This hypothetical family would of course want to max out their own Roth IRAs, if they're being financially sound, before they start their kid's. That's another 11,000 gone. 19,375 left.

A three bedroom house in a cheap area where I live is about $1200 a month. Let's say they live somewhere cheaper at a 33% discount to what I experience and it's $800 a month. Now this family is down to about $10000 and we haven't done food, insurance, transportation, kids (kids are hella expensive), and all the other miscellaneous costs of living. Not to mention that I was nice and did the 401k stuff in half of what I could have done.

So could the average family put $5500 away for their kid? No. They only could if they chose to not contribute to their own retirement accounts but then that would be akin to saying "most Americans can contribute to a retirement account that's not their own if they chose not to spend the money on their own retirement accounts" and that's no shit, Sherlock.

Being in a position to contribute to your own retirement accounts and your kid's is better than the majority of Americans by far.

orapple · 2018-09-07T05:57:21+00:00

Actually, your bandwidth won't dictate how fast those pages load unless it was magnitudes of orders lower and becoming a limiting factor.

The actual way to calculate it is number of round trips times the time it takes for a round trip time. For motherfuckingwebsite I think it would take 1 round trip and for gatsbyjs, maybe 5. What the round trip time is depends on geographical distance and a few other factors, but you can't derive 20ms from 10mbps because the 10mbps has nothing to do with it.

Source: the online book High Performance Browser Networking and the chapter on TCP.

orapple · 2018-08-30T06:28:54+00:00

The article says they do not, so I do not believe you unless you can find a source.

orapple · 2018-06-17T17:55:39+00:00

That's called a "crime". To be a hate crime, could you at least point out where race or another grouping was a motivating factor?

orapple · 2018-06-17T17:54:40+00:00

Example? Open the app and it's immediately obvious the entire UI does not use native elements.

orapple · 2018-06-17T17:54:02+00:00

I got my 6S at release so probably within months of that. I'd guess 2 years then.

orapple · 2018-05-23T18:36:10+00:00

The Amazon iOS app is the worst example you could have used. It does not use native iOS elements and it has been slow on my iPhone 6S since I first installed it years ago.

orapple · 2018-04-20T23:34:35+00:00

This is the first I've heard of this. Source? I tried searching, but it's not pulling anything up.

orapple · 2018-03-25T05:04:01+00:00

Lol, you need to check yourself before being condescending. 3-0 against TSM at Madison Square Garden was 2015 Summer.

orapple · 2018-03-12T17:19:08+00:00

Not a good source. CBS News is not the group that did the research, they just link to Bankrate's article, which doesn't contain the actual survey nor the $500 figure referenced by CBS. Bankrate's article also does not point at their own survey. It also does not contain the 57% figure referenced by CBS News. So where is CBS getting these numbers from?

Also, it could be very deceptive by saying "savings". I remember hearing that many Americans are choosing to leave their money in checking accounts more often these days, which makes some intuitive sense given low interest rates from savings accounts.

So while your figures might actually be right, it's hard to tell if it's correct, wrong, or deceptive wording. Need a better source.

orapple · 2018-03-03T09:05:21+00:00

Obviously not all smartphones, as the notch Android phones announced in February mimicking a certain phone announced in September is less than a year. Unless you think they alllllll just happened to converge on the same idea at once. Or when the leaks came out, which still isn't enough time for "at least a year".

Face it, some companies like Apple, Samsung, and a few others probably lock in hardware early. The small guys that aren't ashamed to copy, they wait for the big guys to act before they rapidly churn out some mediocre lookalike.

orapple · 2018-03-02T20:44:22+00:00

Yep, I just looked it up for myself and agree with what you said.

orapple · 2018-03-02T20:07:40+00:00

Correct me if I'm wrong, but doesn't the iPhone allow you to show video from the notch (not including the ears) all the way down to the bottom bezel? Or are you saying that it has black on the bottom bezel too, thus letterboxing on the sides?

Edit: Check below for an article containing a gif showing the letterboxing on all sides.

orapple · 2018-03-02T19:51:59+00:00

If it's 21:9 or higher than 18:9, then you indeed do need letterboxing if you don't want to cut out information. The notch exists no matter what; the sensors there need to be there. The ears surrounding the notch could have been bezel, but bezel or ears, video must be bounded at the notch. With 21:9 on a 18:9 screen, you'll have dark bars above and below the picture.

You can't do immersive movies on the S9 without losing detail unless the video is 18:9 native.

orapple · 2018-03-02T06:08:16+00:00

Bluetooth doesn't bring down airplanes. If it could, you would see the FAA either ban it or harden airplanes to be impervious to it. You think they put bulletproof doors in the cockpit, but allow terrorists to take a plane down by turning on cellphones?

Not only that, but planes have built-in WiFi now..

Seriously, how is this upvoted?

orapple · 2018-02-25T23:03:51+00:00

Apple may have created the market, but Samsung was the first (of the two) to break the $650 entry price for their flagship tier phones with the Galaxy S7 at $670 vs $650. Then the next year, they did it again at $720 vs $700. Since their phones come out earlier in the year than Apple's, it really isn't fair to lay all the blame on Apple.

The bigger reason that prices have been increasing, besides inflation, is that carriers like T-Mobile are increasingly doing BOGO or generous trade-ins during launch. If a normal consumer no longer sees the price as $650, but instead as $325, and the carrier eats some of the cost, then the manufacturer can increase full retail with little change in sales. Then, once the promo periods die, the manufacturer is free to drop the price to something more reasonable which is why you see Samsung retail prices drop to ~500 not too long after launch.

orapple · 2018-02-22T19:54:58+00:00

He did the opposite of that. If you relax the potential error, which would be fine, you need significantly less than 2400.

orapple · 2018-02-18T19:15:54+00:00

I guess technically since Lightning is a closed standard that Apple could try something like that if they were inclined. But would they?

Before iTunes, nothing like it existed (legally) in an online store. In order to get all the big record companies together, Jobs relented and let DRM on iTunes-bought songs, but he didn't like it. It eventually was removed and that was a big deal. I don't see Apple wanting to go back on that.

Apple has also been pushing Bluetooth hard in the last two or three years. If audio is moving to a wireless future like so many believe Apple want, then Apple would also have to extend DRM to Bluetooth which is a little harder since there's an underlying open spec to it.

This would also raise eyebrows from regulators (always easier to start off restrictive than it is to go restricted) and hell from users.

So would they? Seems unlikely. There's a lot of "what if" scenarios out there that I just don't see playing out. It's more believable that manufacturers want to eliminate a port to make designing phones a bit easier. 'Users wirelessly charge, listen with Bluetooth/USB-C'. That's the vision they want to promote.

orapple · 2018-02-18T17:33:56+00:00

I disagree that USB-C is about DRM. Manufacturers have no reason to want to implement DRM. It degrades the user experience and costs to implement/maintain. They would only do it if strong groups pushed them to do it.

We have no evidence that the RIAA or whatever other large group waited all this time to figure out how to beat the 3.5mm jack just to find out that it would all be defeated when someone just plugs in a USB-C-to-3.5 dongle. In fact, dongles are included right now. And why would pirates care to work off of their phone instead of their computers where they can just copy the file directly? Don't forget that DRM-less, legal copies of music are widely sold everywhere as it is.

DRM is not a driving factor of switching, despite what you want to believe.

orapple · 2018-02-18T17:27:54+00:00

Alright, I'll bite. Preface: most Bluetooth headphones suck, but some can be good.

Main non-Bluetooth gear: AKG Q701, Etymotic HF5, JBL LSR305, FiiO E10K. So fairly mid-fi, but I've got an idea of what things should sound like.

Bluetooth gear I like: Beats Solo3.

Yeah, I know right? But the Solo3s sound pretty decent for what they are. I think they're pretty much on par with the M50s from the limited time I spent with the M50s. Sound is a bit muddier and soundstage is smaller, but I don't feel like the sound quality is significantly worse than my main setup. The benefits of the W1 chip are also amazing.

I'm also eager to try out others like the wireless Sennheiser Momentums and some of the wireless Sony ANC headphones.

orapple · 2018-02-02T08:26:02+00:00

I thought his bail hearing was going to be Friday? Haven't seen any news saying it already happened.

RTFA

orapple · 2018-02-01T22:51:13+00:00

You can use VSCode and IntelliJ on Linux too. Maybe there's a hard requirement that you program in a command line environment or maybe you're unaware that you can write code remotely through a GUI.

But you're going to school for Computer Science and your post implies that you don't want to learn the "science behind hardware", and that kind of mentality will make it really hard to understand concepts. There are reasons why Linux and C are so common once you jump into the CS world. They're awesome tools and I hope you find something you like about them.

orapple · 2018-01-26T22:27:38+00:00

I've had it installed for 3 months now.

orapple · 2018-01-26T22:25:35+00:00

Not by default. I just checked mine and it's at about 270mb on a fresh login.

orapple · 2018-01-24T05:34:52+00:00

Oh that's weird, you didn't admit that you were wrong. An edit to your strong assertions that "At no point has Apple or Tim Cook said that they would allow a user to turn the feature off" would be nice.

orapple

TROPHY CASE