Scale the Summit - The Levitated

I also dearly adore Whales from the same album. Its probably the better song of the two, but there’s something about the character of the sound in the Levitated that just carries me away.

I’m also a big fan of Marcin and Ichika Nito, so how about a track with both of them? “I don’t Write About Girls”

I don’t know a lot about the Amish, but possibly. From what I know, it seems like they embody some of the core principles in terms of contributing to the community and managing a balanced, relatively equal society. I don’t know anything about their religion, so I don’t know if there is a level of control from church leaders that might be more of a centralized control structure. But they might be an example. You can also search for examples of hippie communes or artist collectives.

There have been many groups that form communes within a larger system. Sometimes its built around a religion (or cult), sometimes around various ideals, like artist communes. In my opinion, what makes these work is that they’re small (your reputation matters), people join it voluntarily, and people can be kicked out if they don’t uphold the ideals. So, you don’t need a state to enforce the rules aside from a mechanism to remove people who don’t participate fairly. And because they are within a larger entity, they don’t have to deal with things like national security or foreign affairs. I don’t think that model scales to a national level.

I’m the opposite, lived most of my life on the West coast and then moved to the East coast. Some time zone related things that I’ve noticed:

• I love to start work early and end work early, so there was a period of time where I could work 6am to 3pm and still be online later than many of my east coast coworkers. This schedule was ideal for me. Now I have to work until 5 or 6pm every day and I don’t like that very much.

• I could get up and trade stocks early in the morning, which is convenient for me because I don’t do a lot of stock trading and don’t need to stay on top of it throughout the day. Now I get up and think, “I need to make that transaction later today”, then 4pm rolls around and I realize I’ve forgotten to do it yet again.

• Not a time zone thing, but I’ve been to Hawaii once and would love to go back. When I was in California, it was a 5-6 hour flight, now its more like 12 hours. I’m not willing to make that trip. I do have the option to go to the Caribbean or Europe instead, which is nice though (if I ever get around to it).

• I don’t watch sports, but I always thought of the Super Bowl being an afternoon game. Then I moved East and realized people were staying up past midnight to watch the game (and party) and then trying to go to work or school Monday morning. No impact for me, but for my lifestyle, afternoon games would be preferable.

• I used to do a lot of online gaming with people from all over the US and Europe. Lots of my friends would stay up very late or even all night gaming. I could keep up with them when it meant staying up until 10-12pm (my time). Staying up until 2 or 3am would not work for me. I don’t play online games anymore, but that would be a challenge for me now.

I’m neutral on the housing market right now. People buying houses are generally living in them (or renting them), there’s very little house flipping like in 2005-06. There’s also no interest-only mortgages, so people actually have the cash flow to stay. Rates are probably not going up, but they might come down a little. If they do drop, I think prices will go up proportionately such that the monthly payment is the same either way. New housing is being built, but not fast enough to make a major impact on demand in the near term.

Altogether, I think housing in the US is “fairly” valued on a supply/demand basis at the moment. If we get a recession, prices might dip, but I would be very surprised to see another crash like 2007-09. However, I also don’t expect to see prices go up quickly from here other than in response to lower interest rates. So, if I were making a new purchase decision today, I’d be thinking about the following:

• Do I plan to stay 5+ years (the longer, the better)
• Can I comfortably afford to pay the mortgage (or is it at least comparable to rent)?
• Can I afford a major repair bill? Especially if any of the big ticket items will hit their typical end of life in the next 5 years.

Here are some of my major home maintenance expenses from the last 10 years:

• Water supply line to the house failed (polybutylene): $2.5k
• Tankless hot water unit failed: $3.5k
• Wildlife exclusion due to rats in the attic and crawlspace: $2k
• Electrical repairs due to rats in the crawlspace chewing on wiring: $3.4k
• Totally gut and rebuild kitchen & bathroom due to plumbing failure: $2k deductible, plus my homeowner’s insurance increased every year since
• Replaced failed mini-split HVAC system: $3.5k
• Dig up and repair sewage line that was clogged with roots: $3.5k
• New sod to repair the lawn after the plumbers dug it up: $1.5k

Those are the big items I recall that I had little choice in. I also replaced my way past end of life 2 zone HVAC system for about $30k. I could have kept the old one running longer and I could have gotten a cheaper replacement (maybe $22k), but the old system was struggling and couldn’t keep the house comfortable anymore. I seem to recall hearing a good rule of thumb is to set aside 1-2% of your home’s value every year for major maintenance and that seems about right from my experience.

I think the only reason the US continues to exist in its current state is due to the global power of the US currency. It is the dominant currency for international exchange, which gives the US government extraordinary influence in international affairs AND gives corporations and wealthy people a reason to be based in the US. There are historical similarities with other countries having a dominant currency such as the British Pound or Dutch Guilder during those countries periods of imperial dominance. The empire is likely to persist as long as the currency remains dominant no matter how badly it is mismanaged.

Its a very thin layer of leather on the outside and very thin layers of fabric on the inside. It is 2 credit cards tall, so depending on how many cards you have, you distribute them across 4 pockets. The billfold section is split into a shallow and a deep compartment, so you can arrange things at 2 levels, if you want. I rarely carry cash, so that part usually just has some small notes or receipts or nothing at all.

So it is partly the layout and partly the materials that keeps it thin. “Nice” wallets are usually all leather or mostly leather, which makes them much thicker and tri-folds are the worst.

I checked out of curiosity, its an Allet Original (was called classic leather when I bought it) and I’ve had it for 9 years. Its still in great condition, but apparently they cost almost twice as much now (I paid $35, they’re $66 now).

I got several wallets as gifts ages ago, but I got sick of carrying fat wallets and found a slim wallet to buy for myself and have used it for as long as I can remember now. I would never trade it out unless I somehow found an even skinnier one (or it gets lost or destroyed).

This requires more information. Am I reasonably likely to hit a total target comp over the course of a year, but with fluctuations throughout the year? I can live with that if the target fits my needs. Of course, I’m guessing that is not the intent here, this is can you live with no clue about your future income potential? That’s a hard no for me.