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To move all passenger car traffic in the US to EVs we need to come up with an additional 0.73 trillion kWh hours of electricity. To put this in perspective we currently produce about 4.18 trillion kWh of electricity annually in the US, so we are looking at roughly a 17% increase… another 12% or so increase in the total required electricity generation [for commercial vehicles].

So together we are looking at about a 30% increase in electricity demand to move all of our cars and trucks away from fossil fuels. Not impossible at all, but also not easy. Now please keep in mind that, though that today our electricity production is still over 50% from fossil fuels.

So that starts to give us a better handle of the true scale of the issue of getting away from emissions.

Albert Wenger, “Electricity and the Climate Crisis: Moving to EVs

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This person’s Walking Desk setup.

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This curious bit in the Wikipedia page on Money Creation:

Furthermore, the Federal Reserve itself can and does lend money to banks as well as to the federal government. There is currently neither an explanation on where the money comes from to pay the interest on all these loans, nor is there an explanation as to how the United States Department of the Treasury manages default on said loans.

– Money Creation
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Milaap and Doing Good

Milaap works with on-ground partners to disburse microloans in India. As a lender, you get your principal back. The returns are the number of people whose lives you’ve touched, a metric Milaap helpfully surfaces on your personal dashboard.

I’ve lent via Milaap nearly every month for the last four years, and it has now become a monthly habit. You can filter loan profiles by region, purpose, repayment period and gender. I usually filter by enterprise development as the purpose and by women.

Repayments show up in your Milaap escrow account. While you can withdraw them to your bank account, you can also set them to be re-lent according to your criteria. There’s a wonderful compounding effect that kicks in after a couple of years – for my account, the amount I receive every month as repayments is now twice the amount I put in every month, for a neat 3x effect.

Here is how Milaap presents its dashboard

Milaap's dashboard. The 'Lives Impacted' metric is quite thoughtful.

This is Milaap’s microloans site (they’ve also gotten into fundraising for causes, and into donations.). Lending’s a great way to start Doing Good this new year – and decade.

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Butter means end-user experiences that are frictionless and joyful. For example, I recently went to China and was blown away by the QR Code experience — straight butter wherever you go, linking the real world to the online world. Duolingo is Butter for Learning. Nurx is Butter for Health. Coinbase is Butter for Crypto. Amazon Prime is Butter for e-Commerce.

The Butter Thesis” (via AVC)

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What’s something that wasn’t around 20 years ago that makes you feel like we’re living in the future?

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This is a whole other thing:

China says millions of legal cases are now being decided by “internet courts” that do not require citizens to appear in court. 

The “smart court” includes non-human judges powered by artificial intelligenceor AI.

People seeking legal action can register their case on the internet. They can then take part in a digital court hearing.

Robot Justice: The Rise of China’s ‘Internet Courts’

I wonder if there’s a human evaluating how reliable these judgements are and helping train the AI. None of the articles covering this seem to mention it.

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My Personal Notes System

Is there something better than Evernote where I can jot down notes & ideas really quickly that works on mobile + desktop? Must be lightweight & allow me organize the notes into groups of some sort.

It’s time to move on…

@suhail on Twitter.

The personal notes problem has received plenty of attention but still remains unsolved.

People’s requirements are some or all of

– frictionless adding of notes; for some, automation via scriptability

– frictionless search and retrieval across a large number of notes

– organisable – tags, grouping, both

– editable – not just add and search

– inline formatting – bold/italics, bullets, links, tables

– multimedia – should be able to store text, inline photos; for some, even files like PDFs

– portable/open format

– the ability to encrypt specific notes/folders

– synced across devices; for some, self-hosted

– ability to index/reference data stored elsewhere, like say in email

– desktop and mobile, for some a web interface

– collaborative

– version controlled

The landscape is vast and I’m not even going to begin describing it – it spans sophisticated paper-based organisation systems and DEVONthink. Some people I know have fun just evaluating such apps and systems.

But it’s difficult to design and build something that works well for all of these. So most end up optimising for a few of them, often what the developer’s own itch is.

My own priorities are:

– open formats for longetivity. This is very important to me. I have notes going back over ten years, and I’d like that to continue

– frictionless, scriptable addition of notes

– fast full-text search

– synced across at least iOS and mac OS

– I’m ok with not being able to encrypt specific notes as long as the storage itself is secure

– editable with inline formatting. Markdown serves me well, so all I need is a markdown-aware editor

– elementary support for organisation. Inline tags work well enough for me, so I need is for the front-ends to support search as I described above

– support for in-line images would be good to have but it’s not a deal-breaker

My system is plain-text files in a set of folders in iCloud Drive. This used to be Dropbox before the company restricted the number of devices on the free plan.

– I have a number of iOS Shortcuts that run periodically via Launch Center Pro that log readings to files, others that save web pages in markdown. I have other Shortcuts that are home-screen icons that pop up text input boxes to save thought snippets in just a couple of seconds while, say, having a conversation. I invoke still others from share sheets to log to other text files. Shortcuts has of course great support for saving to iCloud Drive. And they’re all synced across devices.

– Files have a simple naming scheme where yymmdd is prepended to file names for easy sorting. Tags are in the file body, the tag name prepended with “@@” for easy searching. All files are spread across a handful of folders.

– There’s great support for markdown-aware plaintext editors on iOS that support online iCloud Drive editing. I use the excellent blockquote app on iPhone and iPad. On Mac OS, I use good old nvalt. The Files app on iOS has good, fast search. Nvalt search is unbeatable.

– While the plaintext files are themselves not encrypted, my iOS devices are protected By FaceID and a long password string, my Mac has a complicated password and FileVault full-disk encryption. On the web, my iCloud account is also protected by 2-factor auth, tied to a non-Gmail email account that is also itself protected by 2-factor auth.

It’s a homegrown solution but works very well for my needs. It doesn’t have collaboration. It doesn’t have a web-based front-end. It’s not version controlled. But it has scriptability and is open-format, and I’m ok making that tradeoff, especially in a world that has Shortcuts, IFTTT and Launch Center Pro. It’s not even tied to iCloud Drive.

PS: I miss the ability to embed inline images. I can do that on Mac OS by referencing an image in markdown, but that path breaks on iOS. So I just avoid it and save images separately in the same folder with descriptive file names.

PPS: 17th Dec 2019 discussion on Hacker News on How do you keep your notes organized?

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“So why is it that we no longer need to be our own personal IT managers, but we still need to be our own personal treasury managers? How is it that we all have an always connected super-computer in our pockets (no IT manager required)—but still suffer the same financial management problems we did twenty years ago?”

“As it turns out, if you want someone who’s truly on your side—if you want your own personal treasury manager—this doesn’t exist today. You either have to do it yourself or hire a team of professionals to do it. This might include a Registered Investment Adviser (an RIA—required by law to act as a fiduciary), an accountant, a tax specialist and a lawyer.”

“The problem is that these people are extremely expensive. The good news is—as software eats money—for the first time this might be possible.”

Why self-driving money is more important than self-driving cars

What a fantastic vision. And within grasp.Software that manages your cash, investments, debt, taxes, risk. Aligned with your interests.

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Jason Fried has a contrarian view on remote work and shared culture:

Om M. On the other hand, there is something to be said about spontaneity of working together and bouncing ideas off each other.

Jason F. We use Campfire for this. We’re in it all day long. And if I don’t want to pay attention I can put the window away. Unlike when you are in person with a bunch of people – you will be bothered whether you like it or not.

Om M. I am new to the whole virtual start-up thing, and I find myself getting the cabin fever, and missing the company of colleagues.

Jason F. When you are in a chat all day long with the people you work with you feel the culture. It’s better than the real thing. Campfire is our secret to success.

I worked remotely from my company for two and a half months recently, in a very different time zone. At the same time I was in a co-working space with other people working remotely, that in time formed its own culture. The culture switch was slightly disconcerting the first week back with my team. I wonder what it’d have been like if I had worked both remotely and alone.