My mortgage/note specifically is non-recourse. The risk is built into the interest rate.
What others have been doing (not something I would advocate) is akin the nuclear option. If your lender (or second mortgage lender, in most cases) insists on pursuing you, you declare bankruptcy, in which case your second mortgage is converted into unsecured debt and wiped out.
Real estate value for the most part is subjective (at least, in my opinion). A house is only worth what someone will pay for it. If I planned on living in the house for the rest of my life, it wouldn't matter much, as it would just be the cost of shelter. But I plan on moving soon (for work reasons), and while its unfortunate that myself and most others didn't see the real estate collapse coming (although we should have), I don't plan on being kept up at night about it. That's what the mortgage insurance I pay for every month as part of my mortgage payment is for (just as my car insurance handles auto losses from accidents).
3-7 years of negative credit > 66 years waiting for "value" to return.
I'm not that concerned. Google could always buy Verizon after their LTE rollout, or perhaps CLEAR and not worry about the last mile. Check their market caps. It'd be a cheap investment for Google to guarantee they get to the end user.
As a pro-choice, pro-gay rights atheist, I didn't vote at all. My vote would not have mattered, and change is better effected outside of government (as clearly shown by the bickering of both parties and their unwillingness to work together for their constituents).
Your wife's work needs to refinance their high-interest business debt at a lower rate. My business does $8-10MM/year, and we're able to borrow short term at about 1-1.3%.
Heavily tax oil and invest heavily in renewables, electrifying transportation, and medical research to reduce the cost of expensive conditions (Parkinsons, Alzheimers, Diabetes, etc).
Invest now to reduce future costs.
Social security? Means test it.
Increases taxes, but demonstrate the quality of life increases it brings.
My townhouse lost $80K-$100K in value because the builder went bust, and a new builder came in and bought the remaining parcels of land for a song (selling new townhouses next to ours for $100K less). Even if Zombie Jesus himself comes down from the mothership and grants our economy 2%/yr inflation, my house won't be worth what I paid for it for 66 years, effectively making me a renter with the bank as the owner. Fuck. That. I can't wait to foreclose.
This is only the pilot. Then begins the rollout in the city that wins their earlier fiber competition.
Also, some pure ISPs still exist. Megapath (previously Covad, Speakeasy, etc.) for example. Clearwire is a wholesale "4G" provider for Sprint first, and an ISP second.
Forget to add in my previous post: If you're doing global anycast, there is no effective way to share SSL session state between two geographically distant load balancers (at least, not that I'm aware of).
This works as long as your load balancer supports it. HA Proxy, for example (which is used by A LOT of folks), doesn't support it. From their site:
People often ask for SSL and Keep-Alive support. Both features will complicate the code and render it fragile for several releases. By the way, both features have a negative impact on performance :
Having SSL in the load balancer itself means that it becomes the bottleneck. When the load balancer's CPU is saturated, the overall response times will increase and the only solution will be to multiply the load balancer with another load balancer in front of them. the only scalable solution is to have an SSL/Cache layer between the clients and the load balancer. Anyway for small sites it still makes sense to embed SSL, and it's currently being studied. There has been some work on the CyaSSL library to ease integration with HAProxy, as it appears to be the only one out there to let you manage your memory yourself.
Correct. SSL taxes the front-end web server cluster a bit more, and worse is that you can't do any sort of anycast global load balancing because of the SSL session state.
Comcast is moving towards caps of 250GB/month in all markets. At least I get a snazzy meter in my Comcast account page to see how much of my quota I've used.
The price of college, healthcare, and oil go up for the same reasons. They all have inelastic demand. You need gas to get to work in most cases (and ship goods), if you're hurt or sick, you need healthcare to not die, and currently you need a degree to get most jobs because that is what businesses are demanding (not all, but most unfortunately). So, colleges can charge whatever they want and you'll still pay. It's a sad situation.
Excellent. I have a Cisco 7960 I'm currently using with Asterisk/Google Voice/Twilio. I'll have to dig how to convert it to use SRTP after I upgrade my Asterisk instance, since my Asterisk VM is at my datacenter but I have phones at several physical locations (never know who is listening).
Good point. It appears the self-clean function of my oven only reaches 900F. I could probably fabricate a container out of brick in my backyard to get to 1500F, and use natural gas for the heat source.
Slashdot Mirror
My mortgage/note specifically is non-recourse. The risk is built into the interest rate.
What others have been doing (not something I would advocate) is akin the nuclear option. If your lender (or second mortgage lender, in most cases) insists on pursuing you, you declare bankruptcy, in which case your second mortgage is converted into unsecured debt and wiped out.
Doesn't matter much at this point, now does it?
Real estate value for the most part is subjective (at least, in my opinion). A house is only worth what someone will pay for it. If I planned on living in the house for the rest of my life, it wouldn't matter much, as it would just be the cost of shelter. But I plan on moving soon (for work reasons), and while its unfortunate that myself and most others didn't see the real estate collapse coming (although we should have), I don't plan on being kept up at night about it. That's what the mortgage insurance I pay for every month as part of my mortgage payment is for (just as my car insurance handles auto losses from accidents).
3-7 years of negative credit > 66 years waiting for "value" to return.
Robots first: http://www.davincisurgery.com/
Then holograms.
I'm not that concerned. Google could always buy Verizon after their LTE rollout, or perhaps CLEAR and not worry about the last mile. Check their market caps. It'd be a cheap investment for Google to guarantee they get to the end user.
As a pro-choice, pro-gay rights atheist, I didn't vote at all. My vote would not have mattered, and change is better effected outside of government (as clearly shown by the bickering of both parties and their unwillingness to work together for their constituents).
Incorrect. $551 billion was spent via TARP, and we've only received $248 billion of it back (not even half).
http://www.propublica.org/ion/bailout
Your wife's work needs to refinance their high-interest business debt at a lower rate. My business does $8-10MM/year, and we're able to borrow short term at about 1-1.3%.
Your turn - how would YOU fix the problem?
Heavily tax oil and invest heavily in renewables, electrifying transportation, and medical research to reduce the cost of expensive conditions (Parkinsons, Alzheimers, Diabetes, etc).
Invest now to reduce future costs.
Social security? Means test it.
Increases taxes, but demonstrate the quality of life increases it brings.
My townhouse lost $80K-$100K in value because the builder went bust, and a new builder came in and bought the remaining parcels of land for a song (selling new townhouses next to ours for $100K less). Even if Zombie Jesus himself comes down from the mothership and grants our economy 2%/yr inflation, my house won't be worth what I paid for it for 66 years, effectively making me a renter with the bank as the owner. Fuck. That. I can't wait to foreclose.
Number of new bugs we know about in Android: 88. Number of new bugs we know about in Windows for the phone? Note the process at work.
Sir, when I click on that Penny Arcade link, it damn well be the poop/twitter mashup.
I'd argue they are now an ISP:
Stanford Fiber Network, provided by Google.
http://news.cnet.com/8301-30684_3-20020364-265.html
This is only the pilot. Then begins the rollout in the city that wins their earlier fiber competition.
Also, some pure ISPs still exist. Megapath (previously Covad, Speakeasy, etc.) for example. Clearwire is a wholesale "4G" provider for Sprint first, and an ISP second.
Forget to add in my previous post: If you're doing global anycast, there is no effective way to share SSL session state between two geographically distant load balancers (at least, not that I'm aware of).
This works as long as your load balancer supports it. HA Proxy, for example (which is used by A LOT of folks), doesn't support it. From their site:
People often ask for SSL and Keep-Alive support. Both features will complicate the code and render it fragile for several releases. By the way, both features have a negative impact on performance :
Having SSL in the load balancer itself means that it becomes the bottleneck. When the load balancer's CPU is saturated, the overall response times will increase and the only solution will be to multiply the load balancer with another load balancer in front of them. the only scalable solution is to have an SSL/Cache layer between the clients and the load balancer. Anyway for small sites it still makes sense to embed SSL, and it's currently being studied. There has been some work on the CyaSSL library to ease integration with HAProxy, as it appears to be the only one out there to let you manage your memory yourself.
Correct. SSL taxes the front-end web server cluster a bit more, and worse is that you can't do any sort of anycast global load balancing because of the SSL session state.
Comcast is moving towards caps of 250GB/month in all markets. At least I get a snazzy meter in my Comcast account page to see how much of my quota I've used.
The price of college, healthcare, and oil go up for the same reasons. They all have inelastic demand. You need gas to get to work in most cases (and ship goods), if you're hurt or sick, you need healthcare to not die, and currently you need a degree to get most jobs because that is what businesses are demanding (not all, but most unfortunately). So, colleges can charge whatever they want and you'll still pay. It's a sad situation.
When you share your work/results in academia, it's cheating. In the real world, it's called collaboration.
Like this? http://www.ck-12.org/
We need this for college level materials: http://www.ck-12.org/
http://www.ck-12.org/
They've got K-12 covered. Now we've just got to work on College level materials.
Which won't put a significant dent in their $51 billion dollar cash reserves.
Excellent. I have a Cisco 7960 I'm currently using with Asterisk/Google Voice/Twilio. I'll have to dig how to convert it to use SRTP after I upgrade my Asterisk instance, since my Asterisk VM is at my datacenter but I have phones at several physical locations (never know who is listening).
Any hardware SIP endpoints that support SRTP? Or just softphones/software SIP clients?
Good point. It appears the self-clean function of my oven only reaches 900F. I could probably fabricate a container out of brick in my backyard to get to 1500F, and use natural gas for the heat source.