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kkoste

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I have never sold anything. But as a cheapskate when it comes to online subscriptions I think my input might hold some value.

The way I get drawn in is by first trying the product for free. If your product doesn't have a free tier or free trial then I recommend you creating it.

And then there is the 'slanted' conversion where you refinance from a fixed mortgage to a variable mortgage. Or vice versa.

In all cases it depends on your situation. How many years are left on the loan. Have your disposable income changed such that you can pay off more in which do you want to change the loean from a 30 year loan to 10 year loean instead.

It takes some serious thinking.

Well. First of. Maybe you didn't have the money at that particular time. In Denmark every single mortage has a matching bond.

I'll try to explain it as well as I can.

When you make a mortgage loan you can have either a fixed rate or variable rate. Depending on which you choose the exchange-rate differs. It hovers around 100. When you make a loan you would want that to be 100 or more. For example if the exchange-rate was 101 you would receive 101 kroners for every 100 kroner you loan. A dream scenario. But more realistically it is probably closer to 99.

Mortgages is a boring thing. But extremely interesting when it comes to your own loan. The key to take away here is the following:

When the mortgage rates are high the bonds are less valuable.

When the mortgage rates are low the bonds are more valuable.

Now let's take an example. I take 1.000.000 DKK loan for a house at an exchange-rate of 100.00DKK. Meaning I now owe the mortgage institute 1.000.000 DKK.

The mortgage security bond for my house is still 100.00 DKK at this time. Meaning if I want to payout my loan. I have to pay 100.00 DKK to pay off 100.00DK. But for if the rates are high then the exchange-rate might be 95. In which case I can then go down to the bank and say 'I want out of my loan'. The bank will then say 'Okay. You still owe the mortgage institution 1.000.000 and since the exchange-rate is 95 right now. You then have to pay 950.000 plus some fees'. The bank will then buy the underlying bond for me and handle the rest.

In general we have many options when it comes to mortgages. It all involves refinancing:

* If the rate falls you can do a down conversion. You replace your old loan with a new one with lower rate. You might have to pay more to payout the loan since the exchange-rate will certainly be higher.

* If the rate falls you can do an up conversion. Similar to the example before. But this time you replace the loan. You get a higher rate, but you might "pay off" a significant amount.

Hope that sort of clears it up.

Yesterday I decided I'd treat myself to two small snacks since I had just finished my shoulder session and I had walked 9km. One weighing 33g and the other weighing 26grams. Combined just below 250kcal. Walking 9 km took around 2 hours and burned 450kcal... eating two small snacks took me 1 minute.

It's scary how little is needed to off set your TDEE.

Drink 3 cans of cola and the average person has reached 25% of their TDEE.

Two tablestone dressing is 80kcal. Which suddenly adds 500% more calories to 100grams of salad.

And if you decide that nuts are healthy and you decide to have 50grams of almonds. Then you are looking at 300kcal.

I think the single biggest cause for obesity is simply because people don't know how calorie dense some foods are.

[JUst take a look at this video from Will Tennyson that shows how much 100kcal are in some mails](https://www.youtube.com/watch?v=ar9PmP3Wur4)

But does the overall cost of these 'WindWings' recoup over the lifetime of cargo ship. Including the fact that they can now carry less cargo per trip. And the trip might take longer due to 'route optimizations'. Insurance is probably also going to be higher now that you have giant sails on top of the ships that makes it both more expensive but also i suspect less safe in rough seas(even when folded).

I feel that is the only true measure otherwise cargo ship builders are not inclined to build more of these.

Finally someone who gets it. The echo chambers that exists among programmers today is painful. And it is especially bad on SO when you ask a question and someone just comments one of the following without going into depth as to the why:

"Don't use goto it is bad"

"Don't use reflection it is slow"

"Don't do that it is an anti-pattern"

"Don't use X it is considered bad practice"

I understand there are rules of thumb when programming, but they are not set in stone. There is a reason the language designers haven't removed or deprecated features.

I have never seen anyone use GDB through the terminal.

There are however good videos out there for learning it.

But the people I've worked with used either use emacs, notepad++, vscode, or gdbgui to debug code.

Their pride have probably been hurt. "Everything went fine for years and now after a few outages we suddenly get a babysitter".

You haven't fallen into a trap. The people that are working there are probably talented but socially inept. Make the changes you think you need to make. I suggest you move away from the coding role - if they want to act like children then treat them like children. Set op CI. Do the code reviews and make sure that things can't get pushed to production without you reviewing it. I don't think they are deliberately going after your commits - but that they just know more about the system than you do. Basically take the dev-ops role. It also helps you to learn more about the system as a newcomer. When doing code review you will inevitable have to make contact with them and they will have to learn to work with you. And they can't say no since their code wont get published to master otherwise.

I fail to see how selling ones petrol car to buy an EV is going to help. You'd have to do an awful lot of driving to compensate for the initial carbon footprint of buying a new vehicle. Probably will happen after 5 or so years and hopefully by then the car doesn't have to be replaced. EVs er definitely NOT a silver bullet for climate change.

The absolute best investment we can make is one where we are less dependent on cars. Invest in public transportation and ban city traffic from urban areas.

Ads in the OS 3 years ago

Apple will ape to great fanfare in a few years

This I don't get. Microsoft is copying Apple in this case. When you use OSX then you are more or less obligated to have an iCloud account. And then they ask you if you want to have iCloud+.

What is difference between Apple and pestering me with getting iCloud and Microsoft pestering me with getting Microsoft 365.

Both are convenient and provide great value and a better UX.

I wouldn't mind the ads so much if they weren't so god awful.

First ad is always someone yelling at me - instantly making me hate whatever they are selling.

Second ad is always some kind of shitty mobile game that has more often then not an overly sexualized character.

I have a C project template for VSCode that I just copy whenever I start a new C-project. Inspiration for it was mostly because I don't want to rewrite the same CMake code constantly. But I think there are a lot of these kind of projects floating around out there on github.

I use mingsys though . But theoretically it should be no trouble to change the compiler.