4% until you pay it off. The "interest" on your loan is pegged at inflation. If you never get a job you never pay it back. This is actually a problem for the gov, where older students study but never find a job in their field.
It's funny that your second metric appears to be one that many might disagree with. I think PG once said something along the lines of - if every company accepted into YC is raising we aren't taking enough chances on longshots.
Basically, they want more Airbnb longshots along with what look like safer bets, and often those longshots have a hard time raising cause it seems so far fetched.
It feels pretty ironic that this article takes a jab at FB with the fake news comment and then NYT, which arguably should be held to a higher bar for pieces like this, gets a pass on fact checking.
It's not an article, though. It's an editorial, which simply isn't the same format. It's a self-promotion for an author critical of Silicon Valley. It's not reporting news, but an author representing his views on a broad subject with a particular (attempt at) focus on a recent issue.
Most board games can be great educational tools. Eg Guess Who teaches logical thinking skills since kids have to think of a strategy to use and a question that will support that strategy. Clue is similar but possibly a higher age range.
Same goes for puzzle games - Sudoku, or even those little golf tee + peg board games you see at like cracker barrel. Simple but educational and they exercise the brain.
As others have said, Legos and similar toys teach spatial reasoning and similar skills as well.
If you are looking for toys that teach a specific skill (eg algebra) that is likely trickier to find.
The difference is at that point Mark had something worth that much money and had already spent several years building it. If he decided in 1 year he was done he could have probably found another buyer at a valuation high enough to retire unless he royally screwed up the company.
Turning down $100mm when you have nothing of value yet is very different imo
Prison population per 100k isn't the same as criminal record per 100k. It could be that other countries enforce laws differently. Eg if the US has longer sentences on average and let's fewer people out on parole or out early then their prison population will be much higher even if the crime rates are identical.
I'm not sure how effective it is but I always liked the idea of forcing engineers to use those 3g speeds 1 day a week so they are more inclined to support those customers. Iirc FB does this to some degree, but I think they have a different lightweight version of FB intended for those audiences
Chrome dev tools has a reasonable connection bandwidth simulator. Is there a good one that also simulates variability / packet loss in addition to bandwidth caps?
It'd be nice to have a simple way to limit a chrome tab's available CPU in the same way. The computers, tablets and phones most people browse on are an order of magnitude slower than the desktop machines we use to develop.
Google music's radio features (create a radio station from a playlist, song, artist, etc) along with recommendations have had a similar effect for me. I discover new music that I really enjoy all the time.
Where I live some real estate companies charge a slightly lower (0.5% less iirc) fee in order to try to acquire more sellers. I would imagine this happens elsewhere, so I have to wonder - have there ever been any studies done to see if the agents fee actually has an effect on final price if it is higher or lower than the norm in an area?
I suspect the data already exists to analyze this and we could find out for certain if it is true or not. Part of me feels like it may, but then another part of me wonders if sellers will demand market prices regardless of what their agent cut is, and it isn't like the buyer cares where the money goes - $xxx for a house is the same cost whether the agent gets 3% or 1%
As a general rule, you shouldn't threaten to do anything you aren't willing to do. So you shouldn't threaten to take another job offer unless you are willing to do it.
If you value staying at your existing job more than a raise then you are right, you shouldn't do this. But if you are okay with walking and talking about offer them this can be beneficial. I have even heard managers state that certain raises are not possible without another offer that they can bring to HR/whoever to prove that they need to pay someone more to retain them. Doesn't mean the manager necessarily wants to replace you, but it could be a sign of oddities within a large Corp.
Ps - forgive my shortness I'm on mobile.