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Joined 2 years ago
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Cake day: June 2nd, 2023

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  • In short, since this is somewhat near term, you probably want as little risk as possible, so stocks are not recommended.

    Said longer, a high interest savings account or bond fund at 2-3% is probably your safest bet, but you also need to consider the opportunity cost— tariffs WILL increase the price of a new vehicle this time next year, so are you planning to buy new? Does it make any sense to buy now and refinance later? Tariffs could be as high as 25%, depending on which way the wind blows (country of origin, assuming new, etc).

    Opportunity cost aside, what’s your spending target, how much do you have saved already, and how much does optimizing on interest rate actually help?

    From $0, saving $300/mo for 3 years at 0% interest is $10,800.

    At 3% interest, the same total after 3 years is $11,127, which nets you $327. That’s not nothing, but even an insanely optimistic 10% is ~$1100, but you would be just as likely to lose money.

    Your needs and risk profile are yours alone, we’d need a lot more information to say more than “low risk and buy used”.


  • If you think you can stop using products of companies whose executives support the Republican Party, you’re quickly going to find yourself in the Stone Age.

    Nearly every corporate executive, for nearly every company, is likely to be a Republican.

    Even Tim Cook, an outspoken homosexual who has previously been the target of Trump-led MAGA vitriol, just recently expressed support and donated a million dollars to Trump.

    People will just posture and harumph, yet keep buying Samsung, Google, and Apple cell phones, or use Enamel baby formula, or eat meat and vegetables grown using John Deere and Monsanto products…

    I could go on, but there is no need to depress myself.















  • You are trying to solve two different, but related problems, and there are discrete solutions for both.

    One is a personal cloud. You need a secure place to store your shit from multiple users and devices, from multiple networks. You’ll need a mostly static IP and dyndns or your own domain, and certificates signed by a public CA/letsencrypt.

    Then, you are looking for a backup application that supports rsync or sftp/scp over ssh or vpn, that is also cross compatible (Android and PC/Linux). Point this to the service above, and you are good to go.


  • This.

    At some point, you need to be able to quantify the risk to your business before you can do this.

    For instance, if your business earns $10 per transaction, and you perform 100 transactions per second, the difference between five and six nines (313 seconds vs 31 seconds) is $282,000; nowhere near enough to justify the added investment.

    Edit: Important to note that for the first example, these are already enormously huge numbers. Such a business, assuming no holidays or weekends, would be grossing $31.5 billion per year, in the same ballpark as Oracle and Coca Cola.

    So when we say the company is losing 282,000, this is a tiny, tiny fraction of revenue. Even 99.5%, which is almost two days of downtime, would “only” be a loss of 0.5% of all revenue for the year. Sure, this is $157M, but even that would probably not cover the cost of a six nines infrastructure (that said, they could save up to $120M per year by achieving 99.9%, which would be worth exploring).