chocobean's recent activity
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Comment on A ‘third way’ between buying or renting? Swiss co-ops say they’ve found it. in ~finance
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Comment on A ‘third way’ between buying or renting? Swiss co-ops say they’ve found it. in ~finance
chocobean Link ParentRight, because a mortgage is a liability, whereas an investment actually pays interests and dividends. A coop can also pool resources to tacklet capital projects and maintenance, and even if you...Right, because a mortgage is a liability, whereas an investment actually pays interests and dividends. A coop can also pool resources to tacklet capital projects and maintenance, and even if you hit a financial rough patch those projects are paid communally and can still get done.
And I know it's been decades of rising prices, but there are still many seniors who need to move but cannot afford the next downsize because their homes are old and not near a city. Liquidity always give more options.
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Comment on A ‘third way’ between buying or renting? Swiss co-ops say they’ve found it. in ~finance
chocobean Link ParentWhat if there is no need to ever "buy up" the next rung on the ladder? Eg, age in place and have family live together and take over the unit. Or, failing that, one invests the difference between...What if there is no need to ever "buy up" the next rung on the ladder? Eg, age in place and have family live together and take over the unit.
Or, failing that, one invests the difference between rent and coop fees, so that the nest egg has grown alongside the static co-op chunk. If housing costs rise way faster than market investments then there'll be a gap. But if the pace is kept evenly, or there's a crash, or the owner needed liquidity during those decades, investing the difference is the superior choice.
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Comment on A ‘third way’ between buying or renting? Swiss co-ops say they’ve found it. in ~finance
chocobean LinkArchive https://archive.is/V4MesArchive https://archive.is/V4Mes
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Comment on After Xi Jinping: The succession question obscuring China's future - and unsettling its present in ~society
chocobean Link ParentIt's a blessing that human beings don't live forever. May you, me and everyone live to see many peaceful days where we could live calm and dignified lives.It's a blessing that human beings don't live forever. May you, me and everyone live to see many peaceful days where we could live calm and dignified lives.
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Comment on ReTuna shopping mall in Sweden is the first in the world to sell only secondhand and repurposed items – established in 2015, it's a municipality-led experiment in circular consumption in ~enviro
chocobean LinkI'd like to point out that all consumer models are only possible because of public funding and government support. I'd like for the subsidizing of cooperations to end and for them to contribute...The model is only possible because of public funding and local government support
I'd like to point out that all consumer models are only possible because of public funding and government support. I'd like for the subsidizing of cooperations to end and for them to contribute fairly towards their use of people, resources, infrastructure and land. Even, or especially, the amount of waste they generate.
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Comment on Canadian crops beat global emissions—even after seventeen trips across the Atlantic in ~enviro
chocobean Link ParentWow that's pretty crazy to think about. I hope we can do both: have the European soil management become better so that they're as low carbon emission as ours, AND not having to shipWow that's pretty crazy to think about. I hope we can do both: have the European soil management become better so that they're as low carbon emission as ours, AND not having to ship
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Comment on Offbeat Fridays – The thread where offbeat headlines become front page news in ~news
chocobean Link ParentAs an introvert, can someone explain why this festival is fun? Like, why would someone want to do this or live in a town where you have to clean tomatoes from your walls and gutter every year. And...As an introvert, can someone explain why this festival is fun? Like, why would someone want to do this or live in a town where you have to clean tomatoes from your walls and gutter every year. And be pelted by rotting tomatoes. Would other foods or textures be fun as well or is it the colour?
(Quick search says the food waste issue is not an issue because they're overripe or too sour. 150 tonnes though. Maybe stop growing so many?)
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Comment on Presenting... PrizeForge: a novel crowdfunding model for sustainable open-source and fighting enshittification in ~tech
chocobean LinkIntriguing idea. I hope some nonprofit try it and massively succeed, because we need something like this. (Maybe not this particular one, I'm happy donating directly to Deimos) I hope you don't...If this reaches critical mass, it ends surveillance capitalism and digital feudalism. I don't want to live in Black Mirror, and this seems like the way out of that future.
Intriguing idea. I hope some nonprofit try it and massively succeed, because we need something like this. (Maybe not this particular one, I'm happy donating directly to Deimos)
I hope you don't take this comment as a massive bummer or personal attack of you giving attention to a really creative solution for a dire problem, because I'm glad to hear of people trying something new.
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Comment on Presenting... PrizeForge: a novel crowdfunding model for sustainable open-source and fighting enshittification in ~tech
chocobean Link ParentI'd imagine they have a one dollar (bob) minimum. Musing only: then they get a lot of one cents, which was a better than $0, and folks can vote on excluding the one cent-er next round Raise the...I'd imagine they have a one dollar (bob) minimum.
Musing only: then they get a lot of one cents, which was a better than $0, and folks can
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vote on excluding the one cent-er next round
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Raise the minimum
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Comment on What have you been watching / reading this week? (Anime/Manga) in ~anime
chocobean Link ParentYeah he busy lol our man isn't above a political marriage or agreeing to date his EMS person afterall. There's no corner of his heart he would not turn over to the world for five Science points....Yeah he busy lol our man isn't above a political marriage or agreeing to date his EMS person afterall. There's no corner of his heart he would not turn over to the world for five Science points.
But there are little clues, he's not totally disinterested, he busy.
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Comment on The Carpenter's Son | Teaser in ~movies
chocobean LinkA fanfic written based on another fanfic. Out of Character, canon divergence, alternate universe tags apply. I liked Nic Cage's vampire character in Renfield. But in this one he isn't the...[...] upcoming horror movie that was inspired by the apocryphal Infancy Gospel of Thomas. The said text recounts stories from Jesus Christ’s childhood, which will be reimagined in the film [...]
“It tells the dark story of a family hiding out in Roman Egypt. Known only as ‘the Boy’, the son is driven to doubt by another mysterious child and rebels against his guardian, the Carpenter, revealing inherent powers and a fate beyond his comprehension. As he exercises his own power, the Boy and his family become the target of horrors both natural and divine,” reads the synopsis (yahoo entertainment)
A fanfic written based on another fanfic. Out of Character, canon divergence, alternate universe tags apply.
I liked Nic Cage's vampire character in Renfield. But in this one he isn't the supernatural creature, he's the human father.
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Comment on In light of today's tragedy, trans folks will need support more than ever, please take care of yourselves, sibs in ~lgbt
chocobean Link ParentThat's a very good point. I only say anything when the topic is brought up, but in these communities it rarely does -- heterosexuality is just assumed here. Hmmm I'll have to give more thought to...That's a very good point. I only say anything when the topic is brought up, but in these communities it rarely does -- heterosexuality is just assumed here. Hmmm I'll have to give more thought to how to express it in a way that shows support and invite others who are also supportive to show it too
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Comment on In light of today's tragedy, trans folks will need support more than ever, please take care of yourselves, sibs in ~lgbt
chocobean LinkThere are a lot of us who love and support trans people. We're more quiet perhaps, but I want to believe there are more of us just quietly being supportive and choosing to not support the bigots...There are a lot of us who love and support trans people. We're more quiet perhaps, but I want to believe there are more of us just quietly being supportive and choosing to not support the bigots in money and votes.
Wishing everyone safety and peace, in a dangerous time
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Comment on Thinking about my next (career) move in ~life
chocobean Link ParentHey high five for getting a house! Savings on all those thought cycles of having to worry about rent increases, reno-victions and sell-evictions no joking matter. I'm really hoping the everyone...Hey high five for getting a house! Savings on all those thought cycles of having to worry about rent increases, reno-victions and sell-evictions no joking matter. I'm really hoping the everyone WFH need will come back. It's the responsible way forward for human civilization.
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Comment on Letting younger children access Fortnite - Looking for opinions in ~games
chocobean Link ParentJust like Newgrounds or albino black sheep et al, YouTube and Roblox are basically a roulette if it's something fun and silly, or something that'll stay with you forever. There's people making...Just like Newgrounds or albino black sheep et al, YouTube and Roblox are basically a roulette if it's something fun and silly, or something that'll stay with you forever. There's people making silly content, but also sickos making gross stuff specially because they know a lot of kids will be there.
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Comment on Letting younger children access Fortnite - Looking for opinions in ~games
chocobean Link ParentThis makes me feel like this isn't as much a games or even Fortnite question, as it is a microtransaction / buying stuff because "keeping up with Joneses in general" question. For example, if he...Violence bothers me little to not at all [...] My oldest has been talking non-stop about the skins in Fortnite and how he wants them if he ever plays.
This makes me feel like this isn't as much a games or even Fortnite question, as it is a microtransaction / buying stuff because "keeping up with Joneses in general" question.
For example, if he wanted to play Doom single player, I don't feel like you'd be as concerned. Closer to a question of if he wants to play a match three dress up farm sim, but he definitely wants to buy the whatever packs.
How much allowed budget does he have for games, both in terms of time and money? Is he aware he'll need to spend his own money on skins and if so what rate he'd be able to afford unlocking them? Is he open to doing chores to earn money for skins? Who is he trying to impress exactly with these skins?
Could be an early teachable moment that the joy of something you super want and sink money into wear off quickly. Being allowed to "blow" my own money in my 20s taught me how to be frugal for life fast, far more effectively than the previous 2 decades of "no you don't need trendy X" combined.
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Comment on Tildes' Colossal Game Adventure: Inauguration and nominations in ~games
chocobean Link ParentGrind is a special dimension of length. I'm sure there are modern tools to allow players to steamroll the game only for the storyGrind is a special dimension of length. I'm sure there are modern tools to allow players to steamroll the game only for the story
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Comment on Tildes' Colossal Game Adventure: Inauguration and nominations in ~games
chocobean Link ParentThat QWOP (2008) can be considered retro makes my joints hurt. But you're definitely not wrong about flash games categorically being retro because their entire platform and development community...That QWOP (2008) can be considered retro makes my joints hurt. But you're definitely not wrong about flash games categorically being retro because their entire platform and development community became obsolete, and they deserve preservation with the same intensity of efforts.
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Comment on California parents find grim ChatGPT logs after son's suicide in ~tech
chocobean Link Parent(cynical hat on) small number of companies so far, but health and wellness is incredibly lucrative and a prime target for companies choosing health plans with cheap machines instead of providing...(cynical hat on) small number of companies so far, but health and wellness is incredibly lucrative and a prime target for companies choosing health plans with cheap machines instead of providing proper mental health assistance for their employees.
That might be one of those "bide your time until big enough to change the game" compromises.
But for most families, this isn't driven by ideological "boo speculations" but by "can I afford to retire". Which means investing in a fund that does worldwide real estate plus other industries is a far safer bet than one single house in one location.