"Apply to Principle Only" also works.
Your bank will never tell you this
But a 30 year mortgage takes:
23 years with one extra overpayment a year
16 years with two extra payments/year
10 years with three extra payments/year
But warning: use the term ‘capital overpayment’ so they don’t use your overpayment to cover interest & fees too
You can literally shave two thirds off your mortgage with smart money moves
J Smith retweeted
1. Never stop exercising or learning.
2.Accept compromise to begin relationships.
3. Manifest the power of compounding.
4. Never gamble.
5. Have kids and be a good parent
6. If it flies or floats, rent it.
7. Buy half the house you can afford.
8. Art in the eye of the beholder is cheap.
9. Be thankful for and to all.
10. Be charitable.
J Smith retweeted
Union station in Columbus, Ohio
Founded 1890
Demolished 1977
Another magnificent building that looks right out of Ancient Rome, but it’s a train station in small town Ohio.
Amazing the capabilities in every small town at almost the same time built these magnificent works of art despite all being new cities with low populations.🤔
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NEW VIDEO🔥 Dear ppl who hate America…
DOWNLOAD SONG: itunes.apple.com/us/album/wh…
J Smith retweeted
A 50-foot bronze Titan now stands at the gates of Starbase, holding a torch toward the sky.
Prometheus.
The one who stole the gods’ forbidden knowledge and gave it to humanity. For that, the “gods” chained him to a rock.
But the myth hides a second secret. Prometheus warned his son Deucalion that a great flood was coming to wipe out mankind, and told him to build a vessel to survive it.
My view: that flood is a memory of the catastrophe that ended the Bronze Age ~3,000 years ago. The Bronze Age Collapse. The Greek Dark Ages. The Iron Age Cold Epoch. A whole world erased.
Prometheus is the Greek version of the Watchers from the Book of Enoch, the beings who taught humanity forbidden arts before the Flood.
And now his statue stands where Musk builds reusable rockets and plans a base on the Moon, a refuge off-world before the next Geophysical Event.
The Titan who warned of the last cataclysm is holding the torch at the launchpad for the next one.
Coincidence? 👇
J Smith retweeted
Reflex Robotics testing a robot designed to handle real world manual labor like snow shoveling.
📹reflexrobotics
J Smith retweeted
NASA's first job, before it put a man in space, was to find the meal that leaves the least behind. The answer was steak and eggs, and it has been the launch breakfast for 65 years.
The problem was the suit. A Mercury astronaut was sealed into a pressure suit, bolted into a capsule the size of a phone box, and left on top of a rocket for hours. He could not take anything off. There was no toilet, and no plan for one.
So in July 1960 the Air Force handed the question to a nutritionist called Beatrice Finkelstein. She had to feed the man so he stayed strong, clear-headed and full, for as long as it took, on the least possible waste.
She wrote a menu for the last 3 to 4 days before flight. High protein, low residue. Meat, eggs, very little else. Residue is the polite word for whatever the body cannot use and has to send back out. On her figures, beef and eggs produced almost none. The body took nearly all of it.
On the morning of 5 May 1961, Alan Shepard sat down to steak and eggs, went out to the pad, and became the first American in space.
It worked so well that nobody dared change it. John Glenn ate it. The crew of Apollo 11 ate it on the morning they left for the Moon. Shuttle crews ate it. Astronauts are superstitious, and this is the one ritual with a medical file behind it.
Look at what that file says. The best funded engineers on earth needed a food that was nearly all nutrition and next to no waste, to fuel a man through the most demanding day of his life, and they did not pick porridge.
Down here the same breakfast comes with a warning, and we are advised to swap it for the bran.
NASA ran the test in 1960. The bran is the residue.
The wine slump, it's mostly demographics which the article mentions but doesn't cover the feature: why.
Boomers drove the industry sales for two decades and they can't keep it up like they did.
Gen X is squeezed between elderly parents and kids, but are not large enough to drive the industry.
Millennials and Gen Z don't get together for parties or clubs like older demographics did at their ages. Doom scrolling, online video gaming, and solo pursuits keep them out of venues where drinks are served.
Then layer on the general inflation rate busting budgets.
sfgate.com/centralcalifornia…
J Smith retweeted
Going to be cutting our relay beans next week.
It’s funny to me that when I talk about this with different people at different places people always say “show me some data”
I haven’t done the same thing twice in a row for 12 years…trying to make incremental improvements every year.
The reason it’s much better is from constant improvement from looking at plant response to spacing, density, maturities, weed control strategies including how we plant crops. Using wheat like a proxy war capturing 75% of the field and cramming triple - quintuple rows between
Instead what if we looked at derivatives. This system captures water, CO2, and sunlight for 380 days vs monocrops that do for 100. That’s the business of agriculture…and without going to all our dogmatic posts about how every aspect of everything is black and white… maybe we get out of our truck when it’s pouring down rain…or to look at the morning sun, afternoon, and evening. Look at how plants placed in certain venues change how they grow. It’s literally a game of inches.
I’m still not happy. I’m thinking of inventing a money tree concept where you take the general design of row crop cultivator unit with independent linkage off a toolbar and weld 3 or 4 different 90 degree stair stepped toolbars. I think to further optimize the system you need at least 5 planting units set 3 or 4” apart. Also band spraying would eliminate the metabolization of chemistry for the wheat. Also…. Side dressing wheat during the planting pass. Also ways to sidedress the cereal while planting the summer crop.
Units could have pneumatic down pressure and couplers for seed instead of hoses direct back to seeding mechanism. All that and the trips across the field are lessened. The agronomics improve another step… and people can adjust everything on the fly to work on their operation.
If you’ve followed me with all the economic advantages. I guess the point of this post is to say instead of defending exactly how my system is comprised the work is in the research and the striving to get better. The value is in where it will take you. A clear competitive advantage you’ll have for years afterwards
J Smith retweeted
She passed every AI safety test. She was lying.
KILL SWITCH — a Slopcore music video.
Made by AI. Zero human edits. Just prompting.
Huge love to @anabology for the inspiration. Your work made me want to join the Slopcore.
I added an irresponsible amount of film grain. 💙
J Smith retweeted
PRO TIP: If you are getting into serious AI development and command line work, don't even try it under Windows, because Windows and Linux handle slashes and quotes differently, and nearly all the LLM training is done in Linux formats. So when the LLM, through a command line interface, issues commands to delete or move files, if you are under windows some of those commands can be mistranslated into WIPING ENTIRE HARD DRIVES, or deleting entire folders, etc., and then the llm will apologize to you about how it handled the slashes incorrectly.
Use Linux instead. Ubuntu is the default but there are a hundred other flavors. It works great. I run it on almost everything.
On top of all this, Windows is spyware and malware anyway, and it sucks, is super slow and insecure, and it reboots all the time to install pointless updates that often break your entire machine. There's that.
J Smith retweeted
What Elon Musk is building in Texas with education is truly incredible. 🚀
His Ad Astra school in Bastrop is focused on STEM, hands-on projects, experimentation, critical thinking, and solving real-world problems rather than simply memorizing information.
And the vision appears to be much bigger than one small school—the effort has included plans for a broader education system spanning primary and secondary education, with the possibility of eventually creating a university.
Imagine growing up in an environment where kids are encouraged from an early age to think like engineers, scientists, builders, and inventors.
Texas is becoming a major center for technology and engineering, and investing in the next generation of STEM talent alongside companies like SpaceX is incredibly exciting.
This is the kind of ambitious experimentation in education that I love seeing. 🔬⚙️🚀
J Smith retweeted
Let me spell out what this means for privacy:
Surveillance is hidden all through opaque software. You are never meant to find it.
But AI can decompile, analyze, & expose exactly what your apps are doing.
The age of "trust us" software is ending. Privacy revolution incoming.
J Smith retweeted
🚨 THIS DRONE SWAPS NORMAL PROPS FOR 3D-PRINTED DUCTED FANS.
Those swirling white shrouds enclose the blades completely.
Ducted designs cut tip vortices, boost low-speed thrust, and make the whole craft quieter and safer.
Experimental aerodynamics you can actually fly.
J Smith retweeted
Starting today, all Steak n Shake buns are officially seed-oil free. The buns are now unapologetically drenched in pure Grade AA Wisconsin butter.
The grass-fed, grass-finished Steakburger in a seed-oil-free bun is a new level of quality. Steak n Shake is breaking new ground with tastier, healthier options at affordable prices.
🇺🇸 MAHA 🇺🇸