ravivooda

And HackerNews broke my Custom Portfolio Analyzer module! LOL :) Fixing it.

I built Tax Loss Harvesting Tool for different kinds of portfolios. Despite still being in the early stages, I'm gaining some interesting traction so far! I was badly hit in the recent market downturn because I had invested in leveraged ETFs without a deep understanding of how they function. But I still have faith in securities in the ETFs so I decided to see if it was possible to swap securities in order to harvest losses without triggering the Wash Sale. And, Lo and Behold, for 2330 ETFs, I found 1.2+M possible combinations.

Link: https://bit.ly/3H9Gkpb

Follow on twitter for twice-a-day insights about High Overlap Beta ETFS: https://twitter.com/optimizetaxes

Does solar make sense for anyone in Seattle area?

On this post,

- the first level commenter: Empathetically describes the problems of a person/family in poverty.

  - the second level commenter: No I disagree with what you are saying. Here is how they should have approached the problem.

This reminds me of how much divided our society is, the have's vs have-nots

> I think there is a huge market for trustworthy curation.

+ 1000x. This has been on my mind for a while. The problem of decision fatigue. I was trying to explain this to my parents and in-laws recently: If you go to a library, and there are

1. 2 books, how much time will you need to decide between the two? 2. 10 books, how much then? 3. 1000 books?

And does your happiness increase with the amount of choices?

I just wanted to commend how clear the Privacy Policy for the website is: https://blog.andrewmcwatters.org/index.php/privacy-policy/

It's just clear!

I do something similar for Amazon Recruiters.

Hi there!!

You seem to have contacted me even though I explicitly told Amazon that I'm not interested in pursuing opportunities at this time. It's been very bothersome the number of mails I get (2+ on certain weeks). I've patiently requested earlier to be removed from your reach-out list, but alas here we are again!

Sent from an auto-drafted template that I've set up for specifically Amazon Recruiters.

Whats your title?

I think my example would still apply?

You are better off opting the expensive coffee with the alternative options for lactose intolerant people (soy milk etc.) when compared to buying milk from the road-side stalls (right?)

I have been having coffee almost daily for the past three years and I see a significant improvement in my bones and joints. I can feel it and pointed out by the doctor. Note, I take the coffee with whole milk and not the half-and-half or other kind.

So I would guess it does affect in the long run? Personally it did for me. Not sure at a Macro level.

I was trying to explain why buying expensive nutritious coffee compared to buying road-side chai stalls, specifically the people who can afford the former but chose the later thanks to the conservative nature, can improve health, in turn, living conditions.

That said, I'm not saying Starbucks is making us better. But a chai chain, nutritious chai stalls, is long pending for India. It's not dangerous, but we are better off choosing the expensive chai in the long run, in my opinion.

I wonder, if you will agree, the rich always have an advantage compared to the poor. In terms of education, better life etc. So I can see why we blame British; the parts where they were most effective are factually poor when compared to the other side.

Not in any way mean that we should blame them even after 70 years.

No worries! History teaches us that people do move from destitute to better situations. India is sure as hell a gigantic mammoth task, but not giving up.

Unless you have kids, I would suggest you to try moving back and attempt a helping hand. If we fail, we can again look for other opportunities. Just a personal perspective.

> Yes. My thought is that when one is planning for others to live a certain way to benefit society, that telling them to go into debt to benefit society may work over the long term over a large population. However, this only "works" if you treat people as interchangeable numbers, and if too many of the people deviate from your plan, the debt driven society will stop working as planned.

Agree very much!

> However, when one runs their own budget which needs to last through the ups and down, and presumably get one into a better place than they started, saving or investing is better than going into debt.

I think I should have clarified, I'm talking from a Macroeconomic perspective, when spending boosts economies and saving could lead to devastating deflation. But, on a Microeconomic perspective, totally agree with you.

> Just because there are multiple books advocating you spend your money ... well - the old adage is, "Don't believe everything you read."

Thank you sir for reminding me :)

Well, off the top of my head, expensive coffee at Starbucks usually has better nutrition than road-side chai stalls, in terms of milk dilution, calcium content, etc. which leads to stronger bones, fewer fractures and we enter the cycle of health improvement (Refer Poor Economics by Abhijit Banerjee). This is just something I just came up with.

I'm not arguing that expensive spending per se will improve living standards, but they do tend to boost markets, create new markets, improve the standard of living etc. Debt is one such expensive spending

I think I was trying to point out, debt-driven economics is not such a bad option

I would have agreed with you that conservative spending is a good thing a year ago. But, after ready many economics books and data analyzing many other countries including USA, China etc. I'm convinced that non-conservative spending would/could improve businesses and overall progress (GDP, Health, Living Index) of a country. I feel like India is missing out on this by a long margin. If you compare the number of business loans and the amount (personal loans, other loans as well) across many countries it might show what I wanna point out.

Any thoughts?

I guess it’s not the most demanding requirement at the moment. But happy to see progress.

Btw, where do you work? Can we see your work?