I live in NYC and for the majority of my trips the subway gets me there faster than a car would.
Sure you can find plenty of random places it would take longer for me to get to by train, but for places I actually want to get to, the subway is faster.
OK, you live in the one and only city in the entire USA that is dense enough to make the subway a better option.
I live in the DC area which has an excellent Metrorail system, and it is still nowhere near close enough to being able to replace the average trip by car unless you in DC proper.
Now imagine how much worse things would be in Houston.
You're welcome to try to Trail of Tears everybody into your preferred walled cities, but the attempt would go badly for you.
Absent that we'll need to wait for population growth (not happening, if anything we're going the other way) or immigration (ha) to fill our cities up to NYC density.
Note that NYC itself used to be even more dense than it is today. No other U.S. city is likely to reach even NYC's current density in any near- to medium-time scale.
> Absent that we'll need to wait for population growth (not happening, if anything we're going the other way) or immigration (ha) to fill our cities up to NYC density.
Nope: One need only wait for the financial collapse that is fast approaching nearly every municipality in the US due to the relative scale of infrastructure buildout + maintenance as compared to its tax base.
The "standard" American city is 100% unambiguously completely financially impossible.
This is obscured by the fact that cities traditionally account for their infrastructure as depreciating assets whose value goes to zero rather than as perpetual liabilities with exponentially increasing maintenance costs, where the expected maintenance burden of a road already far exceeds its "asset value" on day one of its creation (when it's added to the city's balance sheet as "an asset.")
The American sprawl pattern is financially impossible.
Do you have an issue with paying for electricity or water by use? Or to ride public transit that you pay for a ticket?
It seems like a good property that someone who uses something the most pays the most.
If something has positive externalities such as vaccines or education then I’m fine subsidizing or making it free, but traffic has negative externalities.
I looked it up and running slowly at a 12 minute per mile pace is about 8 METs, and vacuuming might be around 4 METs so that doesn’t seem to be true.
Also running tends to be more repetitive and pounding on the joints which requires more recovery time than simply vacuuming. I’ve never heard someone get injured vacuuming but I know dozens of people injured from running.
Another option is to do margin borrowing on some investment assets that you have. Because it is a secured loan the interest rates are much cheaper than credit cards. Schwab has a good set up, it can be configured to automatically do a loan if you withdraw more funds from your checking account than you have. They currently charge about 12% but there are other options around 6%.
My friend used this set up for his emergency fund since he felt like it would be better to earn an investment return and take a loan in an emergency instead of sitting around having your money earn minimal amounts in a checking account.
Yes, borrowing on margin is a really good strategy, although it depends on your broker how that functions. I've had a good experience using this for smaller amounts, but given market volatility I'm concerned about borrowing this large of a sum on margin, as I don't know what clown stuff is going to happen in the next 6 months, a credit card feels lower risk to me, although the interest rate is higher. I actually considered this, using a credit card will cost me $530 in additional interest over taking margin, but has lower risks in my estimation. That $530 is not enough for me to feel it's worth it to do it via a margin loan.
That said, margin is really useful as a tool because it lets you unlock the value of your investments without tax penalties in lower volatility markets.
There are plenty of things I did outside when growing up that kids could still do: invent sports (we had one involving a hockey net and a koosh ball), bike around the neighborhood, have a water fight, go to the pool, play capture the flag, ghost in the graveyard, jump on a trampoline, go to the ride scooters, play basketball, play with sidewalk chalk, etc
All of This! And shout outs to the Ghost in the Graveyard! We also had "Survival Masters." A whole neighborhood (or multiple adjacent, if you can organize that many youths) affair with everyone in two teams, a single safe area, but it is still, at its core, "Tag After Dark." Strats, tactics and patterns emerged, soft skills, team building, athleticism, they were all on show here. As was the neighbor 's tolerances for youth running through and hiding in their properties.
Yeah I tried to watch the first demo video, but it wasn’t clear to me the problem that this solves and why this is better than some alternatives. It really needs a 60 second elevator pitch.
I don’t know how versions being coordinates in space helps me solve any of my problems.
Yeah, at least in this post the OP talks about the technical details, but if they are not explaining what the purpose of the product is, and why users would use it, I could see that getting rejected.
Sure you can find plenty of random places it would take longer for me to get to by train, but for places I actually want to get to, the subway is faster.
reply