USAnum1's comments

USAnum1 | 10 years ago | on: Every top 5 song from 1958 to 2016

I opened it side-by-side with my other tabs (using win + left arrow, win + right arrorw) after pulling the tab out. That way I can continue browsing without actually putting the other tab in the background.

It is a silly restriction!

edit: mootothemax's suggestion is even better, I didn't realize the tab can go in the background after being split out.

USAnum1 | 10 years ago | on: Fingerprints are Usernames, not Passwords (2013)

To give them the benefit of the doubt, it's possible they've made a new account (45 days old isn't too much tenure).

Heck, I've done it, since it's probably not the best to create a digital repository of all my opinions!

USAnum1 | 10 years ago | on: Brutalist Websites

Another thing I thought of was using the <table> tag for layout.

It's austere, as well as an anti-pattern when used exclusively. Despite this, it just plain gets the job done. It has also proven quite sturdy/reliable, even on popular sites like this one.

USAnum1 | 10 years ago | on: Show HN: The Top Fives – now with Dark Mode

Very cool site!

Some quick feedback: changing pages (eg: navigating from 'new' to 'inspiration', 'sources', etc...) while in night mode switches the user back to day mode, which can be quite jarring.

USAnum1 | 10 years ago | on: How Low Can Central Banks Go? JPMorgan Reckons Way Lower

>"About 80% of small business loan applications in the US are denied."

Wow, I thought 80% was an overstatement. You are very much correct with regards to the "big" banks.

See: "big banks – that is, banks with $10 billion or more in assets – approved of 21.3 percent of small business loan applications in January 2015, up from 21.1 percent the month prior" [0]

Not the world's greatest source, but informative none the less: [0]: http://www.pymnts.com/news/b2b-payments/2015/big-bank-backed...

USAnum1 | 10 years ago | on: Unsafe Lead Levels in Tap Water Not Limited to Flint

Not only that, up to the late 20th century many products other than pipes contained lead. Lead paint, leaded gasoline, etc. The jury was out on lead in everyday use until quite recently.

I doubt the poisonous nature of lead was well known when these cities were built.

USAnum1 | 10 years ago | on: Negative creep

Your inflation point is something I had not considered.

The cost of negative interest is likely less regressive than than the existing system of inflation.

It will be interesting to see how this untested financial environment will settle to equilibrium, and what our world will look like as a consequence (like you mention, more VAT? Or fewer taxes as borrowing grows cheaper?).

USAnum1 | 10 years ago | on: Negative creep

Although true, there really is no substitute for money (cash or a deposit account) in terms of liquidity and fungibility.

You need at least some liquid capital, and those with the least money will always be 100% liquid (or very close to it), and are hence the worst off under negative interest.

USAnum1 | 10 years ago | on: Negative creep

>"Savers might stomach a modest fee for making bank deposits, but as rates go deeper into negative territory, they will find ways to avoid charges. Switching to cash is the obvious solution, which is why some have suggested getting rid of banknotes altogether"

This is an incredibly troubling aspect of the push toward a cashless economy. Not only does it marginalize the unbanked (those who can't bank due to illegal immigrant status, or other mitigating circumstances), but it's also an incredibly powerful tool for population control.

It removes the agency a modest savings give us, by concentrating all wealth under the control of a select few anointed conglomerates. It also allows onerous policies like negative interest to be a new, truly inescapable regressive tax regime.

Edit: notahacker makes a compelling point that negative interest is likely less regressive than inflation. I thought it was something worth bringing to the root of the thread.

USAnum1 | 10 years ago | on: Show HN: Hint.css v2.0 – Pure CSS tooltip library

I thought the small gap that appears at 125% zoom was quite nice looking, actually!

(After some messing around, it only appears at multiples of 75% zoom for me. I am using chrome 'Version 48.0.2564.97 m' on Windows with a 1080p screen.)

USAnum1 | 10 years ago | on: Show HN: Rebalance Calc – A Portfolio Rebalancing Calculator

Hi HN,

I created this tool after getting frustrated with the excel sheet I was using to track and re-balance my retirement investments (something Mint, Personal Capital, and others don't handle that well). Since it's re-balancing season for many people, I felt it would be worthwhile to share my work.

Any feedback is very appreciated, thanks!

Cool features:

* The site is entirely client-side, so you can download the source from github and run it as just files if you'd like

* The save button generates a URL containing any data entered, so you can restore your work by simply loading from a bookmark

USAnum1 | 10 years ago | on: Show HN: Rebalance Calc – A Portfolio Rebalancing Calculator

Although it's a bit of a hack, you could simulate property or a business in your assets by setting the rough percentage of your portfolio it makes up, putting it at the top of "Foreign assets" and create an account for that same value and putting it under taxable accounts.

Also, feel free to extend the existing calculator with an additional asset class and account type (for business/property). The code is fairly easy to extend with new account and asset vectors.

I tried to stray away from physical property in the calculator's design and stay focused on the bogleheads investing philosophy of using buy-and-hold index funds. The tool's use cases are a bit cookie-cutter as a consequence, unfortunately.

USAnum1 | 10 years ago | on: T-Shirts Unravelled

I'm a huge fan of Eddie Bauer's medium-tall shirts. They usually don't sell them in store, but you can get one online if you are looking for an option to try out.

It took me forever to find a fairly athletic fit (slim but not skin tight) in my height (6'2" with a long torso) that also doesn't have logos or random graphics (solid colors and maybe a pocket is all I want).

If you have a favorite choice it'd be great to know it and have more options.

*Full disclosure: I worked at an Eddie Bauer in college.

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