646 karma · joined December 23, 2023
I think it's not helpful to anyone to come in here and be so resolute and so black and white. Especially in the face of an event that has drawn the eye of the international community as a potential genocide.
I'm not telling you what to believe, just that like, posting like you did is not engaging in any meaningful discussion.
And before you brigade me, I'm making no comments about the validity of those charges either way. I'm saying it's an obvious increased risk as an investor. It's possible that Israel becomes subject to sanctions or subject to increased international scrutiny or gets embroiled in regional conflict.
Those seem like business risks that might change the calculus.
In the links I posted several comments above, you'll find that it is considered an expense for the purposes of personal savings.
I don't disagree with your definition, btw, it's just not the common one.
Example: https://www.forbes.com/advisor/banking/living-paycheck-to-pa...
What's challenging for you about these numbers? Your original response included mortgages in saving, which is atypical. If you exclude mortgages, which is typical, do the numbers make more sense?
> It is not like you are going to go in like a horribly confused idiot and randomly redefine tillage or something.
Try to remain on topic and avoid ad hominem, please.
Here are several examples that disagree. Yes, in a strict Keynesian economic sense it is saving but saving is different from savings, despite the similarity in the two words. (Yes, you are right, this is confusing.)
Examples defining "savings" in personal finance:
https://www.investopedia.com/terms/s/savings.asp
"Savings is essentially cash"
https://www.britannica.com/money/saving
"Saving may take the form of increases in bank deposits, purchases of securities, or increased cash holdings."
https://en.m.wikipedia.org/wiki/Saving
"In terms of personal finance, saving generally specifies low-risk preservation of money, as in a deposit account, versus investment, wherein risk is a lot higher."
What? It doesn't mean this at all. You can have savings and still be underwater. If you have a 3.5% for your mortgage, but the market crashes after you bought at the peak, you can be underwater because your house lost value. And it would be foolish to pay down the loan rather than get a better rate for your savings.
Underwater mortgages are totally orthogonal concepts to savings.
> if you are paying a mortgage, a portion of that is a portion you are saving
I think I see your confusion. Yes, money saved into a home is an asset that you are building over time. However it's a non liquid asset, it's difficult to turn back into cash for, e.g., a surprise medical bill.
Repayment of a loan meets the strict mathematical definition of "savings" however it is typically excluded (as are, e.g., investments). For instance, the U.S. calculation of GDP does not consider repayment to be saving.
Savings are typically held in checking accounts, savings accounts, CDs, and money market accounts. Some people take a portion of their savings and invest them in higher risk items like stocks and bonds, but those are investments.
It's important to decouple the concepts of net worth (or even just worth) from the concept of "savings" because you can be taking actions that increase net worth (e.g. paying a mortgage) that don't increase one's savings. (Though, eventually, if you sell the home you could put any proceeds into savings.)
A mortgage that is underwater means the value of the home is less than the loan balance. That can happen for any number of reasons.
It doesn't mean anything about your ability to save money. If you make $5k a month and spend $5k on expenses, you can make all your mortgage payments (whether or not that mortgage is underwater) but still not save.
When outlets report savings of Americans they don't typically mean just in savings accounts.
Any other pedantry you want me to pass along while doing so?
I could tell them that "actually, tomatoes are a fruit" if it would make you feel better while I was there.
Could Apple continue to just make good, desirable hardware and decent os decisions that many people like?
Mars is incredibly cool as a science fiction destination, but I'd much rather see us target near earth asteroids as space habitats first.
That said, I'm likely biased to be predisposed to believe that mental health is a complex system based on other beliefs I hold or experiences I have (e.g. having suffered depression myself, having experienced homelessness, believing in the theory of alienation.)
But also, I don't know what you do to address systems that doesn't require radical or even revolutionary change. We're a far cry from even applying the mental health practices we do have to everyone who wants them today. To say nothing of the massive social stigmas associated with therapy, depression, and medications.
I understand your semantic argument, there is no confusion, I simply believe language is not prescriptivist. If people use the words in a certain way, then that is an acceptable way to use the words. No argument from a position of "well actually, the dictionary/professional jargon says..." will sway me because I just don't care.
Keep. Asking. Why.
ChatGPT didn't fail, your system allowed ChatGPT to fail. Answering why is the interesting thing to discuss and blog about.
If you are here only to argue semantic and prescriptivist use of language, you can stop responding. I'm not interested. You might be right according to some dictionary definition of these terms. In practical use by gardeners, however, these two techniques have different names and achieve different goals and only one is called tilling.
Maximizing the ecosystem health of what's underneath the surface is the point.
Aeration with a broad fork doesn't lift the soil out of the ground and definitely doesn't break it up and redistribute it. It just creates a few pockets of stretched space by inserting a fork and wiggling a bit. Yes, small pockets are disturbed by the fork but mostly the soil stays as it was.
Unfortunately it's too remote to have any sort of internet signal beyond cellular at the moment.
I'd appreciate any and all ideas folks have, assuming I'm willing to drop a few grand without blinking.
Additionally, it's in an area with wildfire smoke part of the year and id love to have AQI monitoring.
I've been stuck on what to purchase, especially since there's no dedicated power or network connections (the site does have cellular access).
The biggest hurdle I have is "here's the full kit of shit you need to buy in that case", any suggestions?
Additionally, pulse crop rotation is increasingly being used to provide some free nitrogen to the soil.
Bioreactors with Azotobacter vinelandii are showing promise in providing nitrogen fixing in a reactor.
And like, industrial composting produces fertilizers with plenty of nitrogen. Soybeans, in particular, need no nitrogen inputs and produce plenty of both useful food and nitrogen containing plant matter.
Our wastewater also contains tons of nitrogen, both from biosolids and from agricultural runoff. These are difficult to get at safely, admittedly, but not impossible.
If you pause to think about it, all that manure needs to come from feedstock plus other inputs (water, etc). If you diverted that same feedstock into producing fertilizer (in the case of soybeans) or not producing at all (in the case of dent corn) you'd have plenty of material and a reduced demand. Manure doesn't just magically come from no inputs.
And there are natural fertilizer paths that aren't cattle.
You've constructed a strawman.