garrettgrimsley
garrettgrimsley on Hacker News
>I ruled out option #2 because appraisals are expensive. Spending hundreds of dollars for an appraisal, on top of paying for PMI, felt like throwing good money after bad.
Your mileage may vary, but for myself, in August of 2023 in Raleigh, the property valuation cost was $190. Check with your lender, or shop around for a different valuation company that they accept. My numbers were similar to those of the author: my PMI was $113.83 and my time for loan-to-value to reach 80% was about four years.
What I found was doing the property valuation and then investing the lump sum of cash put me ahead of the 10% 1-year return. The author can now take their $115 monthly savings and invest, but it will never yield nearly as much as investing the $32,000 in even the most conservative scenarios.
You can play around with some various scenarios in a spreadsheet or https://www.investor.gov/financial-tools-calculators/calcula...
>a fleet of electric cargo bikes in Norwich to deliver thousands of packages per week.
Reading the article, this quote in particular stuck out to me because it is not uncommon for a single package car driver to deliver thousands of packages a week. This comes from my experience as a UPS Package Car Driver in Raleigh, North Carolina, which has a population density comparable to that of Norwich.
What are the reasons to not use JSON rather than YAML? From my admittedly-shallow experience with k8s, I have yet to encounter a situation in which I couldn't use JSON. Does this issue only pop up once you start using Helm charts?
https://patents.google.com/patent/US7853664B1/
https://patents.google.com/patent/US6941275
Very interesting hearing about all of the differing approaches people have taken to solving this problem! Do you have further writings on this topic?
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The former will block the main content of the page while on the /feed/ path, while the latter will block the "Home" button in the header nav.[0] https://www.andersoneconomicgroup.com/many-gas-powered-cars-...
[1] https://www.andersoneconomicgroup.com/second-edition-real-wo...
[2] https://www.andersoneconomicgroup.com/wp-content/uploads/202...
I'll use the location that I worked at as an example. In Wilmington, NC, once your carrier returns to the station, they drop your letter into a collection bin. This collection bin is driven to Fayetteville, NC, where it is then processed via OCR. After being OCR'd it has a machine-readable bar-code, and will be sorted for delivery to a local station. The machinery involved in the OCR and sorting process is larger than any of the local stations I worked at. Additionally, almost all of the mail pieces that I delivered were intercity, not intracity. Your use case is the exception, not the rule.
There are many exceptions and corner cases to what I described, but that's what the process looks like for most mail pieces. Locating the scanning and sorting machinery at a hub rather than each individual spoke makes sense. UPS has some minor differences, but the hub and spoke model is largely the same.
[1] https://www.oregon.gov/doc/about/pages/history.aspx#:~:text=....
Former UPS driver here. Our performance was measured in SPORH, or Stops Per On Road Hour. Supervisors will touch base with you and quote metrics like how many seconds it took you to go from the turning off the vehicle to entering the cargo area, or from pressing the key fob to enable the ignition switch to pulling off. The point is, all of these optimizations add up when you are performing them 200+ times per day. Driving a Ford Transit vs one of these Rivian EDVs or a P1200 package car would mean employing 2-3x the workers.
>Maybe there's a slight efficiency improvement, but seems nowhere near the massive investment + maintenance required for a specialized truck.
Just the sliding pocket passenger-side door is a massive improvement over any non-specialized vehicle. Think of the investment divided by the number of drivers, not as a lump-sum. As for maintenance, UPS and USPS both have in-house mechanics, I'm sure the same is true of Amazon.
https://www.betterhealth.vic.gov.au/health/healthyliving/mer...
https://www.fda.gov/food/metals-and-your-food/mercury-levels...
https://n.neurology.org/content/early/2022/10/05/WNL.0000000...
Unless you have good reason you ought not be so uncharitable. Have you good reason?
The US Postal Service also uses a DataMatrix on some of their stamps, but not all. I just looked up an official specification document for the USPS codes, but couldn't find it. I did find this page dedicated to postal barcodes. It looks like the USPS ones may more accurately be called IBI Lite?
https://en.wikibooks.org/wiki/United_States_Postage_Meter_St...
Can anyone chime in with the security measures present on non-barcoded stamps? I have a Global Forever Stamp on the desk in front of me, and there's nothing that is visible to the naked-eye.
While we're on the subject of barcodes and shipping, check out MaxiCode! I've scanned hundreds of thousands of those little bulls-eyes.
https://www.royalmail.com/sites/default/files/Royal-Mail-Mai...
Bookie, football pool: I inherited this game from Jakym Tibbs in Albemarle. The way it worked is that players would pay a $1-equivalent commissary item in exchange for an entry slip. On the slip they would select the winning teams from each Sunday NFL matchup, and an exact total score from a specific matchup as a tiebreaker. I collected the slips and commissary, and then recorded it onto a master sheet. I would take a cut of the prize pool. It was practically no income, just for some Sunday fun.
Tattooist, stick and poke: Ink can be created from soot or sourced from a flex-pen[0] and a staple or other small piece of metal will serve as a needle. Sell tattoos.
Tattooist, tattoo gun. Create a tattoo gun using a motor from a beard trimmer, a toothbrush, and a straightened and sharpened spring from an illicit ballpoint pen. This tool allows for much larger and more lucrative works, but is harder to conceal. Sell tattoos.
Vinter: Prison wine is called "Buck" in the North Carolina system. Buck is made by combining some bread, fruits, and a generous helping of sugar procured via Trustees. For small batches of Buck you can ferment it in individual bottles. For larger batches, double up a couple of clean garbage bags. You can make gallons of Buck this way, and then distribute it into bottles after it has finished fermenting. Sell the resulting product.
Pharmacist: Drugs can be smuggled into a jail via a corrupt guard, an inmate[1] entering from the street, or the mail. As for the mail, Suboxone strips are small enough to conceal in a letter. Practically anything else can be obtained by way of guards or inmates from outside. For rolling papers they would impregnate normal paper with a coffee mixture and then dry that out and use it for smoking marijuana. Obtain drugs and sell them for a markup.
Porn Merchant: Pornography is prohibited and so there is a market for it. You can rent or sell single pornographic images or an entire magazine of it.
Tailor: In Edgecombe the dress code was lax, and destruction of jumpsuits was not punished. Jumpsuits can be modified into a two-piece outfit, which allows for better range of motion. This makes your outfit more comfortable and is advantageous in fights. Obtain a razor or other sharpened blade and cut a jumpsuit in half at the waist. Cut vertical slits around the top of the shorts/pants and then run a string through those slits to act as a belt. Charge for this service.
Poker Dealer/Player: Poker chips were created by ripping up a deck of cards. The dealer took a percentage of the buy-in, and also played at the table. Cheating is met with violence.
Spades Player: You and a partner learn how to play Spades and go try your hand at the table. The buy-in to a game of Spades was a $1-equivalent commissary item. Some people would play this for 5+ hours a day, round after round, back to back to back, without speaking a word.
You also had thieves and strong arm robbers. If someone stole from you then you would have to meet it with violence, "check off" (get yourself transferred out of the unit), or become a target of increased predation.
I think I've basically covered everything that I encountered as far as money-making goes. The cooking, haircutting, and laundry side-hustles basically worked as described in the article.
Edit: Thought of some more! Artist, weaver, and hair braiding. The weaver created and sold little bracelets with designs on them. The artists took commissions, and the braiders did hair.
[0] Pen in a flexible, translucent rubber casing. See Shomer-Tec Prison Pen. While you could make the barrel wide enough to comfortably write with, the ballpoint tips on these are completely worthless.
[1] In the prisons you have green-clothes and brown-clothes, low and high security. I am told that some in green-clothes are eligible for employment in state services outside of the facility. Groundskeeping at the state ferry system, for example. During your work detail you can collect a parcel of contraband and then smuggle it back into the facility. It is then sold.
I found another testing table if you'd like to take a look: https://www.cabq.gov/airquality/documents/research-on-availa...
See this EPA testing table for some measures of accuracy: https://www.epa.gov/air-sensor-toolbox/evaluation-emerging-a...
See this EPA testing table for some measures of accuracy: https://www.epa.gov/air-sensor-toolbox/evaluation-emerging-a...