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KYHorn

Certifiably Surly
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Everything posted by KYHorn

  1. My understanding is that when you recast, you're essentially "locking in" a return on the $ you put towards the principal reduction that is about equivalent to the interest rate on your loan in the form of a lower monthly payment. If your interest rate is in the 2s, you're going to be getting little return for your $, especially considering the opportunity cost of putting it in an index fund and using the returns as needed, all while the principal grows and remains much more liquid than if you put it into your equity.
  2. Great answer Funny Netflix series if you haven't seen it
  3. There's still a resistance element in Russia The prospect of Kadyrov as their leader might scare them enough to stay compliant with Putin.
  4. With the changes occurring only fairly recently, we haven't yet fully enjoyed the benefits of the smart kids! Or, more likely, we're making the genetically smart children dumber.
  5. The main driver of declining child bearing has changed over the last few decades from "fewer children per couple" to "fewer married couples" This is a well-established finding that is counterintuitive for most: marriage and coupling rates are declining primarily among lower-educated individuals. A major part of this is likely changes in what women consider marriageable qualities. Related and also usually counter to expectations, those who are more highly educated also have much higher marriage rates (as opposed to broader "coupling"), higher birth rates, lower divorce rates, and attend church much more frequently. So: dumb pagan childless cat ladies and gentlemen. Some explanations, but it's almost certainly multifactorial.
  6. Overnight, more than 100 drones attacked Russia, with explosions reported in 12 regions. Fires broke out at the Orgsintez plant in Kazan and an oil depot in Engels, while explosions were heard in Tambov, Voronezh, Tula, Orel, and Rostov regions. Airports in four cities were closed under the “Carpet” plan. Russian sources claim up to 200 drones and ATACMS missiles were involved in the attack
  7. Info on US drone tech being tested in Ukraine https://interestingengineering.com/military/shieldai-bat-drone-ukraine Alien-like US spy drone dodges Russian jamming, powering Ukraine’s defense
  8. Russian milblogger Vault 8 says that Ukrainians are effectively leveraging drones, artillery, and advanced tactics to neutralise Russian armored vehicles, forcing Russian tanks to operate only from covered positions while enabling their own tanks to engage more freely, even with direct fire. Meanwhile, Russian capabilities, particularly in drones and artillery, are hindered by shortages and inefficiencies, limiting the ability to counter these advancements effectively. That's really impressive
  9. The Engels air base in Saratov, Russia, is still burning, 4 days after it was struck by multiple Ukrainian UAVs. According to sources of the Telegram channel Cheka-OGPU, three tanks of 120,000 cubic meters each were completely destroyed by fire, and six more were seriously damaged. The tank facility, which stored fuel for the military airfield, about 800,000 tons of fuel, was put out of action. „Currently, the Russian Emergency Ministry has an acute shortage of foaming agent for extinguishing burning oil and fuel. Firefighters are now forced, as they say, to accompany fires at oil depots and monitor the fuel burnout.“
  10. N.K. soldier captured by Ukraine says he thought was going to training, not war: Kyiv https://m-en.yna.co.kr/view/AEN20250112000600315?input=feed_smartnews
  11. Just need him to convince the new POTUS Our soldiers have captured North Korean military personnel in the Kursk region. Two soldiers, though wounded, survived and were transported to Kyiv, where they are now communicating with the Security Service of Ukraine. This was not an easy task: Russian forces and other North Korean military personnel usually execute their wounded to erase any evidence of North Korea’s involvement in the war against Ukraine. I am grateful to the soldiers of Tactical Group No. 84 of the Special Operations Forces of the Armed Forces of Ukraine, as well as our paratroopers, who captured these two individuals. As with all prisoners of war, these two North Korean soldiers are receiving the necessary medical assistance. I have instructed the Security Service of Ukraine to grant journalists access to these prisoners. The world needs to know the truth about what is happening.
  12. I'm sure some Surly folks will be willing to comfort her during this difficult time
  13. For the first time in history, a 🇺🇦Ukrainian F-16 fighter destroyed 6 🇷🇺cruise missiles in one sortie, - former spokesman for the Ukrainian Air Force Ignat According to the former spokesman for the Air Force, our pilot showed such a result during a massive attack on December 13, 2024. More context: The Ukrainian technological advances in drone warfare reached another milestone. Only days after downing at least 2 Russian helicopters, Ukrainian USVs launched UAVs against Russian coastal air defense systems. During this operation two Pantsir-S1 and one 9K33 Osa was struck. The first operation of that kind was reported one month ago, but this strike shows the capabilities and efficiencies of Ukrainian drone warfare, where valuable and expensive air defense assets worth $50 million of the Russian army get eliminated with an invest, which make up only a fraction of it. It also further exposes Russian defenses along the Black Sea coast That's impressive: Commander-in-Chief of the Armed Forces of Ukraine, Oleksandr Syrskyi, "says Ukrainian unmanned system operators successfully targeted over 54,000 russian assets during the month. Importantly, 49% of targets, or approximately 26,500, were taken down by kamikaze drones. He specifically praised the Birds of the Magyar (aka Kryla Madiara) unit led by Major Robert Brovdy, which evolved from a drone operators company into the 414th Separate Brigade of Unmanned Aerial Systems within a year. Among the UAV units, remarkably high effectiveness was demonstrated by: the unmanned systems detachment of the 46th airmobile brigade; the 57th Motorized Infantry Brigade; the 28th Mechanized Brigade; the 35th Marine Brigade; the 3rd Assault Brigade." en.defence-ua.com/news/ukrainian… t.me/osirskiy/1031
  14. Yes. This is the point that's been in my mind but I've been unable to actually articulate. Unrelated: So you don't have to click:
  15. This is easily one of the best threads in the history of Shaggy/Surly and full of an incredible wealth of valuable and reliable information. Thanks for helping to keep it that way.
  16. "I asked USA to transport weapons by Ukrainian planes so as not to overpay American companies, but they refused me," — Zelensky ‼️"We could have received more weapons, but we had to pay for these expensive planes. Some companies are lobbying for such decisions, but I could not speak about it out loud, I did not want to incite a scandal. Therefore, when talking about corruption, one should ask — if there were $177 billion, and we received half, then where is the rest?"
  17. Primarily about negotiations and bargaining power at this point. Hope to see more of these targeted operations.
  18. Some maps of the location of the operation
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