he/him. LARPer, Nerd Organizer, Web Dev.
Mastodon admin, joeterranova@leftist.network
Not the CNBC guy but I’ve got Nihilist Stock Market advice🌻

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Joined 1 year ago
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Cake day: June 14th, 2023

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  • That was the entire point of mortgages. You’re paying interest, and could end up paying well over the original house value, but over a long enough time period, via inflation and property values increasing, you’re still making out ahead of renting. Depending on the mortgage interest rate, you could be better off not paying it off early.

    For example, I refinanced my house at 2.6%. Afterwards I started paying extra principal payments. My mother the accountant told me to stop. The interest rate is lower than inflation, I’m better off using the money for other things or putting it into higher yield savings accounts instead of paying it off earlier than schedule.




  • Because their practices are anti-competitive. School kids are getting bullied for using Android phones because they’re “green texters” in iMessage. But most importantly iMessage’s connection with SMS causes all interaction to be very low quality images and videos. And when people complain to Tim Apple about the experience, his only response is “Get your grandma an iPhone”. Our only saving grace is that the EU is requiring Apple to support RCS, which should solve these issues, except they’ll probably find some new way to be anti-competitive about it.


  • Obama was a huge problem, but not because of being half black. Because he ran on a progressive platform, and then was decidedly Centrist once he actually got into office. The entire financial bailout could’ve gone way better, and moved the country in a far better direction, if he wasn’t busy placating his wall street friends. His drone program made every civilian in Afghanistan and Iraq despise us to the core, and made children afraid of the sky. He pushed through Obamacare/Affordable Care Act, which was the Republican plan, as a compromise. None of them voted for it anyway, he could’ve gotten through a much better plan instead. Hillary’s loss in 2016 was as much a denunciation of Obama’s centrism as it was about Hilary or right wing populism. And his interference in 2020 to get all the centrists to back Biden and shut down Bernie may have doomed us in 2024.


  • Not a lot of products have to do that. The one people bandy about is McDonalds adding “Caution: Coffee Is Hot” to their stuff, but the actual coffee spill lawsuit was over coffee hot enough to cause 3rd degree burns. Few things need cautions against their intended use.

    Q-Tips / cotton swabs are an almost uniquely bad tool. It’s incredibly easy to rupture your ear drums. There’s no actual health benefit to swabbing your ears – it just feels good your ears get itchy. A safer tool could be made, but it’d be more expensive, more involved to use, and there’s probably several but I can’t be bothered to find out, and neither can you. They make a product that they know is inherently dangerous to use and has no specific benefit. So it has a warning against doing it. Same as cigarette packs have a warning that they cause cancer, even though everyone buying them knows that and smokes them anyway.





  • So the premise of the Dune series is the Butlerian Jihad, where humans destroyed all “thinking machines” and declared that no machine would ever be made in the likeness of a human mind again. That’s why everything’s analogue, humans that can do computing in their head, etc.

    But unlike what one might think, they didn’t destroy thinking machines because AI robots had taken over (though his son Brian Herbert missed that memo). They destroyed thinking machines because, after humans had created AI, they were happy to offload any and all responsibilities and decisions. Humans turned to AI to make any decision, and at a certain point AI ran the galaxy, not because it had taken over, but because humans couldn’t be bothered. They stopped learning, they stopped innovating, they stopped doing the things core to being humans.

    So as I watch humans hand over more and more tasks and control to AI, apparently including teaching their children, I expect we’re heading to the same crossroads at some point.




    • Large files I don’t care if I lose (perhaps videos of popular things): NAS. Hard drives are cheap, not worry about losing it, I can download it again if needed
    • Storage with frequent access and security compliance: Wasabi. $6.99 per TB per month, free egress. Compatible with S3. SOC2 and PCI compliance. I use this for work as a backup to S3 for website images.
    • Files I need to store cheaply, redundantly, and access often: Backblaze B2. $6 per TB per month for storage. You can download 3x the amount of storage you have per month for free, or connect Backblaze to a CDN partner like Cloudflare for free egress through them. It’s also AWS S3 compatible, so you can just the AWS SDK/CLI or tools that work with AWS S3. I use this for hosting image files for my Mastodon server. Note that Backblaze B2 also has SOC2 compliance and US region available now, so it should be as secure as Wasabi at slightly lower cost if you don’t have a ton of egress.
    • Cheap long term backup storage: AWS S3 Glacier. $0.0036 per GB per month (so $3.6 per TB). Upload your files to S3, and add a lifecycle rule to migrate them to glacier. Glacier is cold storage, extremely cheap and great for a redundant backup. I use this for backing up photos and other files I’m going to want to store forever.

    For anything I’m hosting, multiple backups. Home NAS is usually the first backup, followed by cloud storage. So if I need something now, I can get it from my NAS. If there’s a problem with my NAS, I can get it from cloud (though with a delay for Glacier)


  • On the other side, Free and Open Source Software leveled the playing field for software development by quite a lot. Before FOSS you had proprietary databases, proprietary OSes, proprietary web servers, etc, at every level of the chain. Without FOSS Internet Explorer and Microsoft Office would rule the roost. Without FOSS smart phones might’ve taken years longer, and have far less choices. Without FOSS the web would be drastically different. Without FOSS development would be harder to break into, and anything you tried to produce would involve 15 different licensing fees.


  • I also played games off floppies, sure. And there were anti-piracy measures there too. I remember playing a pirated copy of Leisure Suit Larry as a kid, and you had to answer questions about pop culture kids wouldn’t know, followed by specific questions about wording in the manual. Before CDs, manuals were the anti-piracy measure.


  • JoeCoT@kbin.socialtoMemes@lemmy.mlGaming Then vs Gaming Now
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    1 year ago

    Do people forget that games used to require you to have the CD-ROM in the drive before they would run? Even though most of the time the entire game was installed on your hard drive? It was an anti-piracy measure, but incredibly annoying. Even for games I owned, I would find patched no cd exes to avoid it.

    Before I figured that out, if you lost or damaged your CD, you were just screwed. Buy the game again. My dad had a lot of character flaws, but at least when I was a kid he would take the time to call game companies and get a new CD for a few dollars if the disk stopped working.

    Using Steam is incredibly more useful than what came before. Almost every game I owned in the era before Steam is just plain lost. There’s only one set of games I still have easy access to – Half Life, because you could register your CD key in Steam. I have a bin full of old game CDs, and I’m sure none of them work. But any game I’ve bought through Steam, in the last 20 years, I can click to download and play right now.

    Add on to that that, no, lots of games did not actually work well out of the box, and needed updates to work. And you had to hunt down those updates. And a lot of those update sites do not exist anymore. Any game I install from Steam is the latest version of the game, and will auto-update if there’s a new one.




  • This. After my first Android phone I had only gotten Nexus phones. I had a Nexus 6p when the Pixel was announced, and it wasn’t going to have a headphone jack. I tried multiple dongles with my Nexus 6p, and none of them both reliably worked with my headphones and fast charged my phone. My wife ordered a Pixel, I ordered a Note 9.

    I’ve gone Note 9, then a One Plus Nord v10, and now an Asus ZenFone 9. Every time a manufacturer ditched the headphone jack (or made it only available at ludicrous price), I just switched manufacturers. I don’t even use a headphone jack that often, but when I need it I want it to be there and just work.


  • When I was 19 I tried an IRC Vampire the Requiem game. I got banned after arguing with the admins about the rules (in retrospect I was right about how things worked but they’d already house ruled it and I should’ve just gone with it). In response I wrote a whole website for managing character sheets, and a connected IRC bot to handle dice rolls, and pull things from character sheets.

    I did all of that, and then proceeded to run a terrible vampire game on IRC for a couple months. The code was all in PHPNuke so it’s useless now. But it taught me a lot about coding for the web. During that time I showed my work at a job interview as a software dev, and I got a job while still in college. But as part of the coding questions, I learned that you can use sql to join tables. I went home and started rewriting a lot of stuff, but the game died before I was finished.