5,050 karma · joined November 26, 2009
Personal site and contact info -> http://harknesslabs.com
Now, with that said. I wouldn't use this product. Its not listed what the 'points' they give you do, so i can only imagine its nowhere near the value of being able to transfer them directly to airline or hotel partners. Im guessing its either a built in travel portal redemption they host or simply cashback. Either option is pretty garbage compared to other redemptions.
The interest is standard if you have a private bank, so its nice they give it to common folk, although i think many banks offer this now.
But most importantly, Using a debit card is risky. It lacks the chargeback and other protections a credit card has. (I could be wrong here, but I know it used to be this way a few years ago)
Anyways, dont take this as a negative guys. If anything, please continue improving your product and I will be a user. As it stands though, Its still lagging behind existing players.
Two buildings are for sale. They are identical in rental income, quality, etc.. and cost the same.
The only difference between the two buildings is that one has enormous restrictions on how you own and operate the building. You as a landlord will have a cap on your potential upside in rent, but NO cap in the downside.
Which building will you buy, all other facts equal? Unless you are insane, it will be the non rent-controlled building. As such, the price of the rent-controlled building will have to be lowered to compete for a sale. Hence lower prices.
The solutions to expensive housing is complicated, obviously. Its about zoning, cancelling out NIMBYism, incentivizing affordable housing and basically matching supply with demand.
Rent control simply doesn't work. For any person it helps, it will disadvantage 10x more in the process.
I wonder if they are putting in vacancy controls as well. That would have the 1-2 punch of not only reducing rental stock but also significantly lowering property values (and property taxes in the process)
300k a year is about the right number to do everything you want to do if you are a family. Buy whatever cars you want (within reason) - travel when you want, eat what you want, live where you want. Thats the definition of FU money.
You can do it for less, but its not FU money if you have to worry about possibly losing your fortune.
Kids/family increases the number obviously, if they go to private school/college- Add 50k/yr per kid to that figure above.
However, keep in mind 'open door' syndrome. A crime of opportunity is very different than one of bad intentions. Leave a car unlocked with a $20 bill on the seat and you might find that $20 gone when you return. Now, if you lock the doors the odds are it will still be there when you return. The fact is that when you increase the barrier to doing evil, many give it up. A potentially honest person might open a door and take something but if they must now break a window to accomplish the same task many will not pursue it.
Having to potentially download a third party program to decrypt the password DB and/or run additional commands is very different that just navigating to the chrome settings page. Its almost akin to why so many coworkers always jacked each others wallpaper when they forgot to lock their computer. They could have still done it even though the computer was locked, but they did not because it was too much work.
Also, going off what you have said, the "locking" process in windows is pointless since it offers a false sense of security. It can be broken just by rebooting the computer with a boot disk, right? So why include it? Because its useful.
Regardless of his guilt in killing his neighbor, he truly needs professional help. Going long periods as he is can have serious long-term effects.
Also, this is not someone to idolize. He fled from the US to avoid a wrongful death lawsuit.
That bugger can really do some damage.