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I'm also not Asian. In late 30s and it guessed that I'm 7...

fujiterson Vitamin D Supplementation Improves Cognitive Function: 12-month RCT

Fair point, but D3 can also be derived from lichen, which is vegan.

https://www.vegansociety.com/resources/nutrition-and-health/...

fujiterson Ask HN: I have $450K cash, what should I do to maximize my return?

https://www.bogleheads.org/wiki/Managing_a_windfall

Use this money to max out all tax advantaged accounts available to you (401k, IRA, HSA), and invest the rest in a brokerage account. When in doubt, invest the money in a target date fund at Vanguard or Fidelity that most closely matches the date you plan to start withdrawing from the account. A total world fund/ETF, like VT, is also a fine option.

fujiterson Uber stops upfront ride pricing in response to California worker law

One would think the price would increase until someone would pick you up.

Uber should add the ability to bid up your route--like when it's taking a long time to match you to a driver, or you want to entice a driver who is nearby so you can get where you're going sooner.

fujiterson For Online Courses, Questions Over How Success is Measured (2014)

Exactly. I commonly enroll in Coursera classes just to get access to the video lectures for later perusal for information relevant to my work and interests.

fujiterson Water found on a potentially life-friendly alien planet

While not an interest bearing account, investing in an index fund of global stocks should outpace housing. Investing in a REIT should roughly keep pace with housing costs.

fujiterson Most Canadians Are Now Better Off Than Most Americans

Montreal and Quebec City seem reasonable, but this is based purely on a few web searches.

I hope you end up in a place where you can start building some financial security.

Also, run the numbers on long term renting in areas where housing prices are high. There's sometimes a high opportunity cost to having a ton of your savings stuck in the down payment for a house when you could otherwise have it invested in low cost index funds or something similar.

fujiterson Most Canadians Are Now Better Off Than Most Americans

Perhaps grandkids should ask to move in with grandma? She might like the company. :)

In seriousness, not all metro areas have seen the same huge rise in rents and property values. I can personally vouch that the Baltimore-DC region offers relatively high paying jobs and housing that is adorable given those incomes. I've heard San Antonio, TX is also good on the jobs to housing costs front.

fujiterson Most Canadians Are Now Better Off Than Most Americans

If things get seriously unaffordable as a renter, it's always possible to move somewhere more affordable.

Housing, on average, rises at the rate of inflation (it's closely linked to the cost of new construction), per Robert Shiller's research. Even if the housing market explodes in one area, there's almost certainly another area where it hasn't (normally one without restrictions on new construction-San Fransisco being a prime example of a place where housing prices have skyrocketed due to such restrictions).

fujiterson Live Avatars with face-api.js

Right. This reminds me of the series of video chat developments in Infinite Jest (description here: https://www.theverge.com/2019/5/5/18518355/infinite-jest-vid...).

Masks have started to arrive! Only a couple more decades until we give up on video entirely.

fujiterson Most Canadians Are Now Better Off Than Most Americans

At some point, it's a better financial move to rent instead of own. That is true in many American cities (much of NYC, for example). Housing bubbles happen. Try not to buy into one.

fujiterson Have You Ever Tried to Sell a Diamond? (1982)

Costco.

fujiterson Germany in Uproar as Negative Rates Threaten Saving Obsession

I'm a bit surprised that negative nominal interest rates are a thing. If you print enough money, inflation starts to rise. Why not print money such that you can still provide a positive nominal interest rate so people don't start bank runs and stuff money in mattresses? True, the real return would be negative, but that would be the case either way.

fujiterson You Weren't Meant to Have a Boss (2008)

Having been to Germany a few times, I've not noticed anything like only government buildings being in good repair. Can you identify a few cities that are like this?

fujiterson How counterfeits benefit Amazon

They could require the vendors attach the stickers to uniquely determine the shipment. Upon receipt, just scan to ensure the barcodes match/aren't duplicates. They already require vendors using Fullfillment by Amazon to have their shipment contain a shipping summary. Adding per item barcodes wouldn't be a huge change (and Amazon itself wouldn't bear the cost).

fujiterson Building a Treasury Bond Ladder

This is just an argument for diversification. Hold the world at market cap and you'll only lose money if the whole world's markets crash and stay down for decades. And if that happens, I'm not sure bonds are going to keep you from hurting.

fujiterson A female engineer's opinion on why there are fewer women in tech

Because teaching 1st grade will get you surrounded by good looking dudes?

I feel like finance has a reputation for having good looking guys. It also has a reputation for being mostly male.

fujiterson Fake it till you make it: the wolves of Instagram

I don't know. My biggest frustration in season one was "why the hell doesn't Walt have life insurance if his family depends so much on his income?!" I bet Joe Six-pack working middle management at a life insurance firm has some form of life insurance, so his family is still financially fine without anyone having to resort to cooking meth.

fujiterson Research suggests some potential benefits to being a loner

What have you been learning about? Do you dabble in various things or are you continually learning more about something in particular?

I'm a dabbler by nature, and while it feels rewarding to get to that high-novice stage each time, I've got a nagging disappointment in not making it much past that in anything.

fujiterson How Amazon Can Blow Up Asset Management

Brokers are often limited in which countries they'll accept clients from, but that's to avoid all the overhead of filling the appropriate tax forms to each government (and maintaining the knowledge of what the rules in each country are).

fujiterson How Amazon Can Blow Up Asset Management

Not everything related to quality can be easily identified by the end consumer. I trust major food manufacturers to have products without high levels of arsenic, lead, and mercury. I don't trust that counterfeit food manufacturers are ensuring the same.

fujiterson What Managers Need to Know About Slack, Yammer, and Chatter

Not OP, but threading. So many collaboration tools I've worked with are indistinguishable from the comment section of a blog or newspaper. The vast majority of the comments are useless, with people arguing over ridiculous things, but there's no natural segregation of useful comments and useless, so all you can do is scroll about hope to encounter something worth while.

fujiterson Why Women Choose Differently at Work

Then it's also probably not going to work out anyway.

fujiterson Why Women Choose Differently at Work

Also a woman in tech. A while back I checked my profile. It thought I we was a man.

fujiterson How much money do people need to be happy?

A month in Australia for 3-4k? I want a cost breakdown for this. Say you get a deal and airfare is $500, that leaves about $100/day for the month. You could probably find a hotel at that rate, but then you're left with nothing to spend on food and activities. What am I missing? Friends and relatives who'll let you stay with them?

fujiterson The best board game of 2017 is a wildly entertaining romantic comedy generator

Forbidden Desert has similar game mechanics but is sufficiently different from Forbidden Island to be worth getting as well.

fujiterson Amazon's Fake Review Problem

But they mix inventory in their warehouses, so they are just as likely to ship out an item sent to them for Fulfillment by Amazon by another merchant as the are to ship an item they actually procured. I think mixed inventory is the heart of their problem.

fujiterson The Great American Share – Sam Altman Interview on Basic Income

But the thought is that it may still be more efficient to give them the money to squander themselves rather than have multiple layers of bureaucracy with lots of middle men to be paid to ensure that the money gets spent as it was intended.

fujiterson How do you move out of a smarthome?

Ripping up floors is an actual thing there?? I assumed the original poster was speaking metaphorically about how much gets taken out. I wonder how that practice got started. It's almost impossible to reuse floors.

fujiterson Security Breach and Spilled Secrets Have Shaken the N.S.A.

Cost of living is much higher in San Francisco/Sunnyvale vs Cincinnati. I'm saying $77K in an area where you could get a 3 bedroom/2 bath house for under $200K is pretty good, especially if you don't have the skills to compete in the tech realm, which is about the only way you're going to end up paid well in SV.