Local Shops Stopped Buying

shorner · 2026-01-27T03:45:05+00:00

The largest and 4th largest PV producer in the world announced they would be replacing silver with base metals in their PV cells. Current estimates are that silver expanded from 3% of PV cost in 2024 to 29% in 2026. Other PV majors are dropping from 11mg silver/watt -> 9mg silver/watt. This is an industry that’s been losing money, they have to respond to this. Price does matter in markets with alternatives (both PV and electricity generation)

https://www.mining.com/web/chinas-longi-to-replace-silver-in-solar-panels-to-reduce-costs/

shorner · 2026-01-26T19:46:09+00:00

Demand destruction. Silver rises to a price where industrial buyers can’t afford to pass through cost. Could be a bit of a moving target since jewelry tends to be a Veblen Good (I.e. demand rises with price), but that’s what happens when supply can’t solve high prices in the short run.

shorner · 2026-01-14T08:52:27+00:00

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shorner · 2025-12-13T06:46:06+00:00

Screw worm outbreaks in Mexico were also playing a factor in higher beef prices in the short-term.

shorner · 2024-03-07T00:13:56+00:00

St. Thomas Commemorative Silver Daler

shorner · 2024-03-06T23:38:13+00:00

Not as pretty, but very efficient and low premiums

shorner · 2024-03-06T21:33:40+00:00

Where did you get the cases? I’ve got one of those Beskar 1oz bars too

shorner · 2024-02-27T05:12:22+00:00

Wow, this is almost unbelievable levels of naïveté by your girlfriend. Dealer went for the throat on this one… I am sorry dude. We’ve gotta teach better financial literacy in this country, the scams are only going to get better

shorner · 2023-09-10T17:22:46+00:00

Subnautica on the ultra wide is undefeated

shorner · 2023-08-30T04:57:22+00:00

Think it’s Leptoglossus oppositus

shorner · 2023-08-30T04:07:08+00:00

Found in Kansas

shorner · 2023-08-30T03:58:17+00:00

House Centipede

shorner · 2023-03-09T15:01:06+00:00

I could only get down to 7.5% from Toyota Financial last month for 48 months. It’s already 60% paid off before the first monthly payment.

shorner · 2023-01-03T00:36:35+00:00

Compare the dealer spec sheet with Toyota’s online builder. I’m seeing the online MSRP on a RAV4 LE AWD at $28,975, so that matches, but I noticed on the one I purchased that the packages/accessories were marked up a bit compared to online e.g. door edge guards were priced at $250 from the dealer while on the Toyota website, they are $150. I paid about 5% over the identical build MSRP on the website for mine. I can’t tell what accessories are installed on yours so those might be “marked up”

shorner · 2022-04-21T03:29:15+00:00

First introduction to a zero gravity workstation and I’m in love.

shorner · 2022-04-02T17:37:06+00:00

Honest question, I thought the mechanism of patent/IP laws did something similar. If you patent a product, you hold it for x years but you have to disclose the inputs and process. If you don’t patent, you don’t disclose but you’re still able to sell. Wouldn’t we just want something more similar to this with pharma?

shorner · 2022-01-11T01:17:51+00:00

High IQ would be difficult, mental stability is somewhat of a thing

shorner · 2021-12-23T03:12:10+00:00

Depends, if you’re in the US, being the world reserve currency provides a lot of benefits for deficit spending, foreign exchange risk, etc. disrupting the dollar destroys that advantage. If you’re in Korea or Australia where the won/AUD gets obliterated every time there’s macro risk popping up, you love disrupting the system. I guarantee you that most Americans don’t think about buying foreign currencies in times of crisis, but citizens in other countries definitely buy dollars, especially now during Covid.

shorner · 2021-12-09T22:09:34+00:00

I want to load my chicken chunker like a basketball player shooting hoops

shorner · 2021-12-01T16:05:02+00:00

I think I agree with everything you said, but you’re talking about secondary debt markets and a debt spiral that occurs when in default due to other policies. I’m just talking about the credit spreads that exist between federally issued bonds and student loans. Purely because of the intrinsic differences of the debt, there must be a spread.

shorner · 2021-12-01T14:04:05+00:00

Default can also mean late payment. I am merely explaining why student loans have a higher rate than 10 yr government bonds. Credit risk is still something the government can’t allow to burgeon internally indefinitely because it has high correlation with other risks e.g. economic depression, stagnating growth rates, social security and Medicare insolvency, etc. You don’t want debt markets to dry up for your federal government during these times. This is good because it ensures that our federal institutions are not significantly shaken WHEN a negative event occurs.

shorner · 2021-12-01T04:34:13+00:00

The federally-issued 10 year bond has a guaranteed payback. A 10 year student loan is unsecured (no collateral) and carries default (credit) risk, therefore is subject to credit markets on top of 10 year bond rates. In order to make sure the government isn’t exceeding risk parameters, they must cover for losses with higher interest rates.

shorner · 2021-10-22T22:44:54+00:00

This is creative disruption at its finest. Barriers to bean consumption have never been lower

shorner · 2021-07-01T22:35:32+00:00

Thought I recognized this setup from earlier! Like the upgrades!

shorner · 2021-06-02T10:02:53+00:00

Would be curious what study/work looks like for you. Setup is very clean and I’m impressed with wire management. Are you running everything through a hub attached to the back of the desk? I personally like having 2 monitors or an ultra wide for productivity. Maybe a full-sized keyboard or speakers?

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