1,957 karma · joined October 1, 2014
Two points - first to yours on it being more difficult to sell. In fact, it can be the opposite. To get a mortgage these days it often requires the hoa/condo to have at least 10% of the annual budget in reserves. While often not the case, buyers should also be comparing the relative reserve states too and realize low reserves means specials
The second point is that failure to reserve the majority of the cost of expected capital needs can result in a situation of liens and foreclosures (to get a paying owner in) and the HOA going cup in hand to a bank who may or may not loan the shortfall at a terrible interest rate. Or the project is put on hold and the cost may rise because of inflation or further deterioration of whatever was being renovated.
When homeowners gripe about the dues and 'look how much is in reserves' I always ask: so when the roof needs to be replaced, you'll be good to cut a $5 or 10K check within 30 days? No? That is why the HOA reserves the vast majority of the cost.
Unlimited High-Speed Data Unlimited Talk & Text 20 GB Hotspot Data
FYI - I live in a fairly rural area and have coverage. The standard home internet plan here runs about $90/mo after all taxes and tithes are paid.
You do not need cable tv or home internet. You do not need an iPhone or top end Samsung. There are many mid-range Android phones much cheaper that can add a MVNO phone plan for around $20/mo that has more than enough data for necessary internet. Key word: necessary. OTA HDTV is available to many millions at the cost of an antenna (in window/attic/roof). Free books at the library. People give away old dvds and players for free. There is a thing called 'the outside'.
Look at the cars many of the people who complain about being squeezed are driving. Pickups for the sake of driving one. Lower/mid end BMW/Lexus/Mercedes. Giant SUVs when a smaller one will more than do. There are actually still relatively low priced vehicles available but they are plain jane and looked down upon.
I mention those things as I was head of an HOA for about 10 years and we regularly had owners who were in arrears or in and out of arrears. They would come before the board asking for waivers of late fees, interest and even the basic common charge. Yet they were aghast when the board suggested they drop their cable TV or swapped their expensive car lease for a beater. And heaven forbid you suggest they stop going to Starbucks as they sit in front of you asking forgiveness with a large latte in hand.
My personal suggestion would be to populate the data base with all the standard primary/secondary lifts (bar, dumbell, machines) and let users build their own program. Maybe have an option to suggest alternatives for any given lift.
After that is done, then maybe work out routine creation, hopefully with some general input to the developer from actual trainers.
Also agree, keep the equipment simple/standard and avoid branded machines,etc.
But just as an accounting note: R&D expense has nothing to do with the company having revenues for an existing product, which already is allowed to deduct cost of goods sold, selling and admin expense. It is a cost related to future business and in that regard, it is not crazy to say it should be amortized. That in the past this did not happen, or that accelerated depreciation for other assets is in the IRS code is a function of the government wanting to effectively subsidize business investment.
https://pro.bloombergtax.com/insights/federal-tax/rd-tax-cre...
https://tax.thomsonreuters.com/news/the-future-of-rd-expensi...
ref: https://www.nature.com/articles/s41557-020-00563-4
*that's all from memory, hopefully didn't misrepresent anything
Me, being just a lowly compsci minor, prefered the full screen editor called FOXE. Was very simply to use and did the job fine for writing/editing programs of the length typical of homework assignments. Don't recall all the particulars to comment on search, replace, etc.
Unfortunately, there is like zero internet info on it beyond: "Little (if any) information is available for this visual editor available for TOPS-20 in the early 1980's. It was similar in appearance to the then new EMACS but had a far simpler command structure."
1/ on this RPE stuff, it sounds like they are trying to keep two reps in the tank which is fine but..when? the first set? The last set?
2/ perhaps I'm misreading the supplemental data but the error bars are pretty huge when it comes to changes in LBM, not sure how any conclusions can be drawn
3/ 12 weeks is a short program and it sounds like they chose people who were generally not in shape/beginners. Anyone who has lifted in their life can tell you initial gains are almost always mostly in strength, not mass.
4/ Their choice of lifts for this population also looks unusual.
I'm sure they have the data but I could not find any evaluation of relative strength gains between the two groups. Even if their hypothesis that the LBM gain is identical, strength gains may not be.
TFA omits this trend (seemingly since wide spread availability of the internet) to being solitary - the view that nothing of value can come from interactions with peers or superiors other than wasted time. [this is different from missing classes because of laziness which is implied].
https://euromaidanpress.com/2025/03/27/russian-propaganda-ne...
So in the group chat discussing code word material, who was responsible for making the written record? Perhaps that should have been one of the questions today?
Likewise, if it is true that they are using it on a regular basis at CIA HQ I can pretty much guaranty you that it is being used in a manner that is a substitute for email which would be required to be saved in entirety.