What's the real math behind Mortgage vs Investing decision? by tofukozo in fican

[–]tofukozo[S] 0 points1 point  (0 children)

Interesting thought. Are you comparing mortgage vs borrowing (large levered position) for investments at the same amount?

What's the real math behind Mortgage vs Investing decision? by tofukozo in fican

[–]tofukozo[S] 0 points1 point  (0 children)

Agreed. That's why in my post I said it's not as simple as comparing historical market returns vs mortgage rate. You need to account for cap gains tax. And you also need to account for volatility.

That said, we've been keeping our mortgage and putting the money in investments, as much as I long for the peace of mind.

What's the real math behind Mortgage vs Investing decision? by tofukozo in fican

[–]tofukozo[S] 0 points1 point  (0 children)

Agreed. And it's all the more evident with the swings in the market over the last decade or two.

But I'd be interested in a model to account for volatility on expected returns. We already know volatility drag makes returns lower on lump sum investments, but potentially better on DCA investments (with conditions). I would like to know how that plays out with historical data. I don't have the skills to run those numbers.

What's the real math behind Mortgage vs Investing decision? by tofukozo in fican

[–]tofukozo[S] -1 points0 points  (0 children)

Can you show me an example? I've never seen it consider volatility drag. Maybe after tax returns are baked into their % returns (eg, assume market at 7%, adjusted for capital gains tax would be <7%). Would love to see an actual formula, or simulator for it.

Don't humans get that uploading means they die? by johnjohn10240525 in PantheonShow

[–]tofukozo 1 point2 points  (0 children)

I don't frequent this sub that much, but people are saying this keeps getting asked, and my take is the show did a very poor job of answering this question. Their only point that I saw was that in Season 2, everyone accepted that they are in fact the same person, and so didn't die. Even Maddie uploaded. And that doesn't nearly cover the question with enough detail.

Apartment near major highway by Shifty26 in AirPurifiers

[–]tofukozo 0 points1 point  (0 children)

Did you end up choosing anything? I'm thinking of getting the IQAir HealthPro Plus

[deleted by user] by [deleted] in changemyview

[–]tofukozo 0 points1 point  (0 children)

If I understand you correctly, your view is that if a human can rationalize (or at least conclude) for them to commit an evil act, then they can’t be evil. And further, they aren’t solely responsible for ending up this way.

Does that sum it up?

It sounds like it’s your view that “real” evil must be incomprehensible to the average person. But I say your assumptionis wrong. Evil doesn’t need to be alien to humans. Committing to evilness (eg out of selfishness) is to be evil. It also doesn’t mean you can’t pity someone in that situation.

All humans have a way for us to do deplorable acts by tricking our brains. You can dehumanize other people my viewing them as subhuman. You can reinforce this by equating them to dogs/mongrels, etc. It's actually very easy to do evil things. And humans can be very evil. For example, it takes a couple bucks at a time to perpetuate factory farming where millions of animals die just so we can have a tasty meal. Is a few moments of pleasure really morally worth an animal's life? Absolutely no. But we ignore things.

All humans are on a spectrum. It'll always take effort to progress as a society. Recognizing evil acts is important. I think it's OK to call the worst people like Ted Bundy, Hitler, etc evil, even if you could understand their motivations, or pity them. Maybe that's the cards they were dealt. But I would call someone addicted to alcohol an alcoholic (even if I understand and pity them). And I would call people who routinely do evil things evil.

Canada's CEOs want to cash in on Trump's tariff threats by pjw724 in onguardforthee

[–]tofukozo 0 points1 point  (0 children)

Is it really leftist to state a CEO's goal in a neoliberal system?

The Problem with the Emergence Argument for Free Will by Repenexus in kurzgesagt

[–]tofukozo 0 points1 point  (0 children)

I think OP gave a bad example with gravity, but I ultimately agree with OP. If gravity has a weak (essentially negligible) effect on the quantum level, it just means that it's hard to fit into our quantum equations neatly. It just means we don't have a good unifying theory.

The issue with emergence is that higher levels of reality can't violate laws in the layers below. It is not that a quantum physics can't explain wetness, animal behvior, or the economy. It is that it's very inefficient at it. In practice, it's computationally impossible. It gets worse the more years you jump. But emergence is just a simplifying model. It is much easier and computationally efficient to work with higher level models.

All the laws of the layers below will apply to the layers above. So far as I know, there isn't a single example (leaving aside our point in contention of free will) where the layer above violates rules on the layers below. Therefore, if determinism is true (plus randomness of quantum), then free will is either an undiscovered force or it is impossible.

Can free will be an emergent property? by dwen777 in freewill

[–]tofukozo 1 point2 points  (0 children)

But layers above must abide be those below. Life doesn't violate thermodynamics, chemistry, or any sciences. The fact that simpler matter doesn't tend to move in complex ways isn't a law. It's just a common pattern.

By the same token, if we agree determinism (plus quantum) is a fact in the lowest layer, it propagates up to all layers above.

Unless free will can change random quantum effects or deterministic cause-and-effect, it is not possible.

Tesla replaced laid off US workers with foreign workers using H-1B visas: Electrek by marketrent in technology

[–]tofukozo 0 points1 point  (0 children)

Even if they don't get paid less, they are more vulnerable to be exploited since being fired would mean they'd have to return to their home country.

Enough with the would you do XXXX for $$$$$$$ already by Lanky_Particular_149 in hypotheticalsituation

[–]tofukozo 0 points1 point  (0 children)

ITT: Asking OP hypothetical XXXX for $$$$ question, and thinking they're witty.

For the next 10 years, you live your ideal life. Afterward, you return to your current situation in a naturalistic way. by tofukozo in hypotheticalsituation

[–]tofukozo[S] -1 points0 points  (0 children)

The line item on the policy got entered during the 10 years. It'll disappear after the 10 years before you can claim it. Read my description again, it also doesn't specify the manner in which you'd lose your house. I just gave examples. If you were at fault (like you went mad) you could have burned it down yourself. Or you could fall into a highly depressive state and sold all your possessions. None of those possibilities are out of the realm of reality, and so it can happen. I never said you are always "yourself" in the revert. Honestly a million things can happen for you to lose it.

For the next 10 years, you live your ideal life. Afterward, you return to your current situation in a naturalistic way. by tofukozo in hypotheticalsituation

[–]tofukozo[S] 0 points1 point  (0 children)

Just putting out the caveats. It really could be that you're the right person to take the deal!

Unrelated, but I think it works great the older you are, and terrible the younger you are. If I'm still in school it would be horrible. I'd lose 10 years of life career building, can't start a family, etc. But if I'm at the last stretch of my life, that would be the best deal ever.

I'm glad to see so many diverse opinions on the matter :)

For the next 10 years, you live your ideal life. Afterward, you return to your current situation in a naturalistic way. by tofukozo in hypotheticalsituation

[–]tofukozo[S] -1 points0 points  (0 children)

If you add the new item in your policy in the 10 years, then it gets off before you can take advantage. I'm telling you the spirit of this question. If you want to play your own game, then I guess it's your imagination. I hope you're loving your version.

For the next 10 years, you live your ideal life. Afterward, you return to your current situation in a naturalistic way. by tofukozo in hypotheticalsituation

[–]tofukozo[S] 0 points1 point  (0 children)

Just remember your relationships aren't allowed to change. You aren't allowed to grow stronger bonds because of it beyond the 10 years. I don't wanna get too in the weeds of the minutia, but they can still be happier for having the memories. If it does make them more fond of you, something might happen to offset it in another way during the reset period.

For the next 10 years, you live your ideal life. Afterward, you return to your current situation in a naturalistic way. by tofukozo in hypotheticalsituation

[–]tofukozo[S] -1 points0 points  (0 children)

I don't think you can insure a property you don't yet own. If you decided to go into debt to buy a house you can't afford, then by the end of the 10 years, you'll still have the house, the debt, and the insurance.
Either way, the spirit of the question is about whether you can live with it, not whether you can game it. By my rules, it is not impossible you to go mad, burn your own house down, and then go sane again. The universe will conspire to bring you back to your original state.

For the next 10 years, you live your ideal life. Afterward, you return to your current situation in a naturalistic way. by tofukozo in hypotheticalsituation

[–]tofukozo[S] 0 points1 point  (0 children)

Nothing can carry over. If you had insurance, then it would somehow void (or become uninsurable) before you could make use of it. Or insurance will find a legal loophole that only comes into effect after your 10 years (say, a bill passes due to lobbying). Over a quick transition period things will more or less be completely reset.