Malcolm Gladwell explains why it's statistically FAR better to be among the smartest kids at a 2nd or 3rd tier school than struggling to get into some elite institution where you will be below average among your peers: https://www.youtube.com/watch?v=3UEwbRWFZVc&t=220s
If you're borrowing money to pay for a degree, going to a school where you are not at the very top of the class is really taking a big risk.
> This is the strategy myself and many of my college friends took when we graduated in the late 80's. And we're all pretty comfy right now.
I wonder if your Japanese peers in a Nikkei 225 fund over the same time period would agree with your strategy. Buy-and-hold for them is still down 50% over the last few decades.
The US Navy has 11 aircraft carrier groups protecting the USD status as the world's reserve currency.
History suggests that won't last forever, but it probably won't be COIN shareholders or activist hedge funds that forces a regime change as big as that.
Calcifediol is just a way to rapidly increase the blood levels of Vitamin D in an obvious crisis situation. Going outside, and/or supplementing Vitamin D from exogenous sources takes many days to have an effect.
Talk to your doctor, but start now. Your downside risk is fairly minimal. It is estimated that 40% of more of the US population is deficient in Vitamin D.
Ruby gets a lot of things wrong, but blocks are one thing they more or less do well. Everything good that has been built from/for Ruby owes a large measure of its success to Ruby's block implementation.
Python programmers are definitely looking up the power curve at Ruby.
maybe Heartbleed or the xzUtils debacles convinced them to switch.