numericalguy

Think adding extra #mortgage payments scales linearly? Think again. • 1 extra payment/yr = 6 years saved • 2 extra payments/yr = 9.5 years saved • 3 extra payments/yr = 12 years saved #CompoundInterest math is a curve, not a straight line! 🏠📊

Sneaking data canters into communities is akin to professional stadiums being built by taxpayer money. At least with stadiums we get civic pride and non 24- hour noise, electricity bill neutral, no water pollution. @USRepKCastor @Vote_Laurel @SenRickScott

@SteveOnSpeed Got to have the buckets. Yep, get the match, then Roth IRA, the 401k Roth, taxable account. This can change for some people once they are 50 as the pretax bucket maybe too loaded.

One reason why I'm no longer a "Max out your 401(k)" guy anymore. There are some circumstances when maxing it out is wise, but for a lot of us, getting that company match and then funneling money into a brokerage will provide a hell of a lot more optionality.

@BlazeC13 @TB_Times Please explain how he got it right! The "DeSantis got COVID right" narrative overlooks Florida’s massive infection waves and high mortality rates, especially during Delta variant. Keeping businesses open helped the economy, but ignoring public health guidance came with heavy cost

@TB_Times DeSantis was one of the few leaders that got Covid right. Fauci is a liar. He wrote that mortality was .2-.3% in his diary and then said it was 10x that to Congress. Fauci is a POS that cost many people their livelihoods.

‘Complete disgrace’ and ‘total jerk‘: What Fauci said about DeSantis in his diary tampabay.com/news/florida/2…

@smarterparrot It is illegal to seek or share the race and gender of a person by the faculty search committee, but still admins at univs reject a pool of forwarded candidates by the committee for lack of "diversity". How do the admins know the diversity of the pool?

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@Jasmine_Keith What gives here is the ridiculous “charged amounts” for each test. No politician wants to address it as they get lots of lobbying and campaign donations. Capping it at 2x to 3x the Medicare cost would be the easiest solution but that is too simple a solution

I recently had to go to urgent care and ended up needing some simple lab work. After insurance my co-pay is $165 and lab work is $85. Had I just paid cash my appointment would have been $160 and labs would have been $25. What is the point of having health insurance?

@DocDoc21516 @fwrenzo1 Ditching textbooks isn’t the pedagogical flex some professors think it is. Without a central text, you aren't "fostering independent thinking”, you are forcing students to build a puzzle without showing them the picture on the box. Schema matters. (2/2)

@DocDoc21516 @fwrenzo1 Not assigning a textbook in most courses should be a crime unless one has put together a well thought out OER to replace it. (1/2)

The "College Textbook" scam is the perfect microcosm of the system. A book that cost $30 to print sells for $400, gets a new "edition" every year so you can't buy used, and is mandatory to pass. It's not education, it's a hostage situation with a reading list.

@ContractLit @LonestarMoney Conventional mortgages in USA cannot have a prepayment penalty

@LonestarMoney 30 years of reading promissory notes and the overlooked part isn't just the extra payment — it's the prepayment penalty clause they sneak into page 8. Always check if you're allowed to pay extra before you start planning around it. You verify that before cutting that check?

Bought my home in 2021 for $412,000 with a 2.49% interest rate. Now I’m selling it for $550,000 and expect to walk away with roughly $205,000 in equity. The next house: 🏡 Purchase price: $699,000 💰 Financing: $559,000 📈 Interest rate: 6.5% My monthly principal & interest payment will be $3,534… and $3,029 of my first payment goes toward interest. 😤 Here’s the part most people overlook: Making just ONE extra mortgage payment each year would pay the loan off 6 years early and save about $169,000 in interest. Small, consistent decisions create massive long-term wealth.

@DreamBlue99781 @JayhawkTakeover Not true anymore. Sellers pay 4%. And buyer would ask you for 0.5% to make up for the sharing of the typical 5%. It is ridiculous. Selling agent should not take the job.

@JayhawkTakeover Buyers dont pay anything to their agent. Its the sellers who do. Bad take

Buyers hiring a real estate agent in 2026 is hilarious. You find your house on Zillow, your agent prints some forms, and then you pay them $18k

@curiouswavefn The professors need to stop using archaic metrics that their PhD student ending in academia is much better than one in industry or a govt lab.

This isn't a bad idea and mirrors PhD tenures in Europe, but it cannot come at the cost of politicized science and general funding cuts.

@TanselYucelen @GeorgiaNicoleTV @WFLA @USouthFlorida @EngineeringUSF @USFResearch You look serious! @Waymo , my @waymo!

Interviewed by Georgia McCarthur, @GeorgiaNicoleTV, of @WFLA News Channel 8 on robotaxis and autonomous vehicle technology 🤘 @USouthFlorida @EngineeringUSF @USFResearch

@BednarikMatt For me, anything over zero. The main thing is to buy a less than 30K Corolla and pay if off in 5 years. Keep it for at least 15 and save the same monthly payment during the 10 year gap in an index fund for half of the cost of a new car 15 years later.

What do you consider to be a HIGH monthly payment for a car?

@PathwayToFI He chose sanity. Being gone for 3weeks a month is too much for routine, health and social life.

My friend turned down a $250,000 job. He currently makes $130,000. Why? The new job required living near a major airport and traveling 3 weeks every month. He chose lifestyle over another $120,000 a year. Would you?

@JoshYoung @PauloMacro @IEA @WorldBankGroup @shellenberger There is an old saying - show me a country which wastes the most, and I will show you a rich country!

Economic growth is energy intensive. There is "no such thing as a low-energy rich country"

@ScientistsLift If very few jobs are available that pay well for your PhD major, the odds are low in getting one. You should be striving for at least 1.5x median income of the area you will be living in. Entry level jobs for PhDs should not make you overqualified - why get a PhD then.

@numericalguy What do you mean by beating the odds? Like finding a job with a livable wage? I mean most entry level jobs PhDs are overqualified for anyway.

Is getting a PhD a scam??

@ScientistsLift I am talking about job prospects, not someone waiting for you. If most of the graduating PhDs in the major at the univ are currently turning out to be working at overqualified positions, adjuncts and perpetual postdocs, what is delusional is thinking that one will beat the odds.

@numericalguy This is good. I’ve never had a professor tell me I was meant to do a PhD. Didn’t know they said things like this but tbh anybody thinking getting a high paying job will be easy without knowing someone who’s giving you the job has to be living in a world of delusion.

@shaguncrypto Median house in USA is 450K. We all want big houses. That is not a cost of living issue. Furniture 45K is a huge budget.

Viewed a house today. Down payment: $120,000 Closing costs: $18,000 Furniture: $45,000 Property taxes: Endless. Isn’t the cost of living high?

@fwrenzo1 You need to go to a different store. In Florida we skip Publix and Whole Foods now. Walmart, Aldi, and the warehouses are in.

I don't understand how we let "buying groceries" become a $300 weekly expense for basics. A gallon of milk is $6. Eggs are $8. Ground beef is $12/pound. Meanwhile, corporate grocery chains are posting record profits. The hunger isn't a supply problem, it's a greed problem.

@eduwithtina It is all about who needs it. They can always give a pre-test. And about how things are taught is entirely different problem! "Adding prerequisite courses on top of corequisite support for least prepared students reduces college-level enrollment rather than improving outcomes."

These courses generally deter students from taking the next courses though. I took pre-alg and it was all fluff. Things I already knew or that were covered again when I took algebra. Pre-calc is taught so poorly, most people taking it never enroll in calculus. So rather than being helpful, they waste time and deter further progression. We've known this about pre-calc especially for a long time.

Yep pre-calc and pre-alg are usually worse than useless. They generally harm a student's perception of the subject and discourage them from taking it.