Credit Application Transport: Fill & Download for Free

Keep gas price very high and mandatory include gas expense when apply for rent, mortgage and credit applications. This will (and has been) pushing people move to public transportation friendly metros and neighborhood and pushing people away from gas guzzling metros and neighborhood.

NOTE: the most up-to-date version of this answer is on my website at Meteor.js vs. the MEAN stack. See also Why Meteor.Meteor gives you a lot more out of the box. It's a mature full-stack framework where the client and the server communicate data updates seamlessly and automatically, without you having to write any boilerplate data sync code.The MEAN stack is just MongoDB, Express, Angular and Node.js bundled together, but there's nothing seamless about it. You have to do all the wiring-up yourself between MongoDB and Node.js, between Express and Angular, create REST endpoints and consume them etc. - all this just to get a basic web app going, without any features that Meteor gives you for free: hot code reload, mobile development (web, Android and iOS apps from the same code base), reactive templates that update automatically when data on the server changes (try to write code for that manually and make it run correctly over intermittent network connections, and make sure it's secure), session management, packages that can install components both on the server and on the client (e.g. server-side autocomplete - you won't find this anywhere else; Twitter's Typeahead and the like are client-only solutions).With the MEAN stack, when you make a REST request for a table/collection, you're essentially saying "Send me the results of this query". With Meteor, you subscribe to the results of that query, and any newly created or modified documents that matched will be automatically sent to the client over a fast WebSocket connection.Thanks to its isomorphic APIs (the same methods work on the client and the server, e.g. HTTP.get), Meteor makes it easier for one developer to build an entire full-stack app, or for a team to have a better understanding of the code base across the project. The MEAN stack adds to the separation between the server and the client due to different APIs being used.Guillermo Rauch, the well-known creator of Socket.IO, has written an excellent article call "7 Principles of Rich Web Applications". He's also delivered a talk at BrazilJS about the principles:Server rendered pages are not optionalAct immediately on user inputReact to data changesControl the data exchange with the serverDon’t break history, enhance itPush code updatesPredict behaviorMeteor focuses specifically on implementing #2, #3, #4 and #6 for the developer. #1 (server-rendered pages) and #5 (enhance history) are handled by ecosystem packages (Spiderable, Server-Side Rendering, and Iron Router). (#7 as described by Rauch, isn't really in the purview of full-stack frameworks.). By comparison, the MEAN stack needs to be coupled with Socket.IO to even have the pieces to implement these principles - Meteor already has them all glued together.Meteor also has the entire toolchain built-in, from compiling Coffeescript automatically to minifying and concatenating CSS and JS. Within seconds from saving a file, all client web browsers will automatically reload and re-render the app thanks to hot code push (#6 above). The UI state (form inputs, scroll position, selection) is preserved (another fun thing to try to get right with the MEAN stack).Meteor = MEAN stack + Socket.IO + grunt/gulp + Cordova + hot code reload + a lot more. Such as extremely convenient packages - one of the "Eureka" moments with Meteor is when authentication with user/password, Google, Facebook and Twitter is added just by including a package for each OAuth provider and one line of template code to indicate where to place the login widget:meteor add accounts-facebook // then add {{> loginButtons}} in your template to show the login UI Meteor has over 4,3000 packages. MEAN.JS has only one module so far, for SEO. Meteor lets you deploy with one command to free hosting at yourapp.meteor.com. The MEAN stack doesn't support deploying yet.But isn't that a lot to take in all at once? Actually, not. Thanks to Meteor's focus on simplicity (one of its Seven core principles), Meteor in its entirety is far easier to learn than Angular alone. (Many have found Angular to be a pain to learn and ended up frustrated - see An Unconventional Review of AngularJS). You can get the basics on Meteor in just one hour - head over to http://meteor.com/try. Meteor's documentation is also very well-written. By comparison, the documentation for the MEAN.io stack (the original before the MEAN.JS fork) is in such a terrible shape that today I went through the Packages section and found an embarrassing number of typos in just a few minutes, all within two pages of the documentation. Packages seem to have no documentation, either. And not to discredit the authors, but you can't easily find who the core team is - the link in Credits is broken. The documentation for the fork, MEAN.JS, starts with,After downloading the source code go over the official documentation of MongoDB, ExpressJS, AngularJS, and Node.js, then continue with the MEAN.JS Documentation.Given that it really takes only one hour to make something useful with Meteor, from scratch, it's worth simply giving it a try first, to have a reference before starting to learn MEAN.io or MEAN.JS.Meteor also saves you from having to research what libraries to use for the various layers of the application (transport, data synchronization, API, security, CRUD operations, templating etc.). All the pieces that make up Meteor function together very well.By contrast, when considering the MEAN stack, you start with the choice between MEAN.io and MEAN.JS. The short story is that the main MEAN.io contributor, Amos Haviv, Forked out of an open-source conflict in January 2014. You can read more about the story and differences on StackOverflow. This has split the community into ~6k GitHub stars for .io and ~2k for .js. Meteor by comparison has 23,000 GitHub stars.I've found that Meteor saved me from a lot of analysis paralysis, besides making me a ton more productive than if I had to put together the pieces in the MEAN stack. My suggestion is to read a bit on Why Meteor could be a good choice or not, give it a try first for one hour (meteor.com/try), then look at the MEAN stacks, and see which would work best for your project.PS: skip to 44:30 in Guillermo's talk above. Someone asks him about Meteor. A month later: https://twitter.com/rauchg/status/522228968074661889.

I am going to narrow the focus of your question to material things, that are made out to be good decisions, but really aren’t.A brand new car.People are easily sold on the idea that owning the newest set of wheels is a normal part of life.In society, many people value a brand new car as something that makes you look cool, that you can show off to your co-workers and friends, and something that is absolutely necessary for peace of mind. Here is why it is the worst purchase you can make:The second you drive it off the lot, its worth substantially less.Cars are ALWAYS depreciating in value. Why would you ever invest so much into something that will decline in value so quickly?Reliability won’t differ greatly from a car that’s 5 years old.You’ll pay HALF the price for a 5 year old car, even if you have bad luck, and something breaks down, it will still cost substantially less to fix it then the total price of a new car.The novelty will always wear off.You have a new car, cool. In a year, its no longer the newest and best. You’ll have a couple dings and scratches on it and it will be like every other car on the highway.It will hurt your credit application for buying a home or getting a credit card.As a financial adviser, this was the number one reason why people got declined for mortgages. The car payments ruined their total debt service ratio.It is a medium of transportation from point A to point B. That’s it.If you are like 80% of the population and live in the suburbs or the big city, you don’t, for any reason, need a brand new range rover. Might as well take a stack of money and set it on fire.