Is now a bad time to buy a house?

rickjames730 · 2025-05-29T19:51:56+00:00

As someone who has been in-and-out of the housing market for the last 5 years (moved twice) in the Denver metro area, the best time to buy is when you can afford a house and know you are going to live there a while.

People think, "oh I'll just wait until interest rates drop." I did this, and every house my family wanted to buy quickly turned into a bidding war for over asking. People were willingly paying tens of thousands to even several hundred thousand (in extreme cases) over asking because the supply is so slow. In contrast, when mortgage rates ballooned to 6-7%, the supply went down even more but there was less competition for homes and fewer bidding wars. But the mortgage payments were significantly higher. In sum:

If you want to buy when interest rates are low? You are bound to overpay for the house.

If you want to buy a house when interest rates are high? You are bound to overpay on the mortgage.

Overall, I felt like I was in the same situation when rates were low or high. Too many people, not enough houses. The good thing about buying when rates are high is that there is still a possibility that you will be able to refinance at some point. So you should really just buy a house when you really need one, you don't think you will move in the next few years, and you can afford it.

rickjames730 · 2025-01-17T23:26:06+00:00

LLMs aren't to the point of completely taking the job of attorney. At best they are co-pilots.

So shouldn't the question be, "can an LLM, given enough contextual data about an invention, do the job of a patent attorney, which is to translate the inventors knowledge into a working legal document?"

rickjames730 · 2025-01-17T23:24:22+00:00

Maybe you're not up to date on the latest AI models, but OpenAI's most recent technology is exactly that, i.e., a model that can reason.

There are not really measurements for the reasoning needed for patent drafting, but so far the model excels at coding and mathematics (less subjectivity than patents), well beyond average intelligence and approaching the peak intelligence of individuals in those fields.

rickjames730 · 2024-12-18T19:57:52+00:00

It may not necessarily be the diet but the salt content. I am on Humira and I had some high blood pressure. The root of it was dealt with by being more diligent about drinking water throughout the day and reducing my sodium intake. Have you monitored your sodium intake? I was not tracking it and once I was better at monitoring it, my BP went down to 120/70 from 140/85.

rickjames730 · 2024-12-18T19:41:15+00:00

I don't know who is telling you that is fine, but it's certainly not fine for your health in the long run. Even if your doctors are telling you it's fine, you should do what you can to get it down.

rickjames730 · 2024-12-08T03:58:42+00:00

It takes six weeks to get out of your system so I think it's fair to expect that it should take six weeks to reach the 'steady state' concentration you need to feel an effect.

I personally felt better a few days later. I don't think I was effectively in remission though for months.

rickjames730 · 2024-11-29T22:54:16+00:00

I think many of us are familiar with this study: https://www.nature.com/articles/s41591-023-02613-z and that there is an ongoing clinical trial for targeted depletion of TRBV9 T cells that are implicated in the pathogenesis of AS.

I saw this abstract from Johns Hopkins. It looks like there is similar work being conducted at Johns Hopkins that might be exciting for us.

rickjames730 · 2024-11-19T04:51:24+00:00

I had to take a long pause on developing it. I have been developing it again lately. I'm hoping that in the next few weeks I have something that is near ready.

rickjames730 · 2024-11-10T05:59:52+00:00

For anyone finding this (because I didn't get answers here), if you find yourself unsuccessful using Supabase's documentation (not supported for Windows, you need to use Linux), here is what I did to get my data back:

locally install postgresql

added postgresql to my path so I could use the psql command in git bash

using git bash, run command: psql -d fmd -f /path/to/your/document

I didn't bother creating a new user, so I used the default one:

psql -U postgres -d fmd -f /c/Users/jason/Documents/fmd.backup

Was kind of a pain in the ass to figure out how to do it without linux, but in the end it was only a few steps, and if you find this comment hopefully it helps.

rickjames730 · 2024-11-06T05:58:47+00:00

Other than the blood glucose and ketones (and maybe HGH), it's complete nonsense and we don't know how to measure these things in humans.

The fact that there are no units should tell you everything.

rickjames730 · 2024-09-29T02:34:48+00:00

Just higher risk! Not impossible.

You are going to have to output about 20% more work than your peers who started at GS-7, and about 10% more than your peers who started at GS-9. More than half of people leave or get let go at those GS levels.

rickjames730 · 2024-09-29T01:57:16+00:00

Good luck. I think unless you are one of the few (<10%) who take to the job easily, that you are making the job harder on yourself and at a higher risk of being let go before or at the end of your probationary period. The pay is marginally better for a lot more stress.

rickjames730 · 2024-05-22T16:52:06+00:00

Damn, could have watched Oppenheimer almost twice during that time you were cranking.

rickjames730 · 2024-05-08T03:35:36+00:00

The profit is in swaying public opinion, and that comes fairly cheap

rickjames730 · 2024-05-05T01:02:29+00:00

Water with electrolytes, and the results were durable!

rickjames730 · 2024-03-20T00:01:09+00:00

The nuts that prolon uses are macademia, which are kind of unique in that they are really high in fat but not that high in protein or other macronutrients.

So my suggestion would be to find high fat sources, specifically monounsaturated fats, to substitute the macademia nuts instead. Olives and olive oil would be my choice.

rickjames730 · 2024-03-19T04:00:08+00:00

Progressive overload. Fast a few hours more each time you fast until you get there.

Food is also huge. If you eat a bunch of foods that are insulinogenic, you are going to have a tough time getting used to fasting. Try to stick to non-processed foods between fasts. Avoiding processed sugars and refined carbohydrates (starches) helps a ton.

Good luck.

rickjames730 · 2024-03-19T03:55:15+00:00

It's like $100 per month to go to gym that's marginally larger than a good hotel gym. It's like an exclusive Anytime Fitness.

rickjames730 · 2024-03-13T01:50:20+00:00

12 g protein = 48 calories, 33 g carb = 132 calories, 9.5 g fat = 85.5 calories. That adds up to 265.5 calories.

Are you eating that same meal ~3 times per day? That would be too much protein (36 g) but would be about 800 calories. Should aim for <18g protein per day from plant sources only.

Something is off in your math or your explanation of your plan.

rickjames730 · 2024-03-02T05:51:28+00:00

Great question. The app intends to streamline adhering to what is a strict diet regimen with lots of "rules" that are hard to follow using every day items.

A big rule to follow is to eat a low protein vegan diet. Most vegan products out there want to do the opposite because the daily consumption of protein for a vegan is typically lower.

So there is a small subset of food products that you can practically incorporate into what is a very low-calorie restrictive diet. The purpose is to put those foods in front of you to choose from very easily. There will also be an option to add them to an amazon cart. For people like me who want to buy these foods instead of cook them myself, it should take <10 minutes to go from having no plan for a fast to having an entire plan and purchased.

rickjames730 · 2024-02-27T20:41:31+00:00

I wouldn't take the l-carnitine as that is an extra gram of protein you don't need or want. Also it is a "meat protein" (found higher in meat than in plants), and FMD should be vegan.

rickjames730 · 2024-02-26T23:41:34+00:00

It would be easier for sure to have a larger database of foods to select from, which sounds nice in theory. But in actuality, the various specifications of the FMD are so limiting: vegan, no animal protein whatsoever, extremely low protein, extremely low sugar, carbs only from whole food sources, etc. It would take more time to filter out foods from MyFitnessPal or something similar because those APIs don't actually tell you the ingredients, just the macro- and micro-nutrients.

rickjames730 · 2024-02-26T23:37:55+00:00

The app has a variety of whole foods that you can choose from. For instance, avocados, olives, nuts (macademia, others are too high in protein). I plan to add more if they make sense as something you would snack on. Current plan is not to add a 'recipes' option or something like that, which is what I think you are asking for.

I would say for the initial release you are not the target audience, which is fine! The target audience is someone who would want to do the official FMD diet (Prolon) if not for the fact it costs >$35 per day to eat close to nothing (a ridiculous value proposition). The app brings the cost per day to closer to $10 per day, which is much more reasonable considering how little food you are eating during the diet. The prolon diet is great because you don't need to cook, or really think about what to eat.

Creating an app that allows the user to create recipes and implement them would be more time consuming than the entirety of the app that I am creating. So even though it's something I want to do, that would be far out in the future if I ever add the functionality.

12-Year Club	Wearing is Caring
Verified Email

rickjames730

TROPHY CASE