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617to416 As a Bay Area resident with a very good but not 1% income, I can tell you that the whole idea that a household making $400,000 a year can't afford a car pricier than a Camry is absurd. Bret seems to think that such a couple is struggling to make ends meet. They may think that, too, but that's because their "must" list is most people's "want" list. The kids MUST go to private school. We MUST go on an overseas vacation every year. We MUST eat organic. Etc, etc, etc.
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Harry inherited $40m and will probably make as much by talking bad about his family. I do the same and all I get is trouble. I don’t have much sympathy or empathy for Harry.
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Edith Yates "Non-profit" in name only.The Cleveland Clinic Health System had $1.33 billion in "surplus revenues" (aka profit) in 2020; the University of Pittsburgh Medical Center had$1.1 billion. And that's after their top administrators have exorbitantly high salaries, personal chefs (yes, I actually knew the chef), etc.Just because they don't have shareholders doesn't mean they are non profit.Why are they not making health care more affordable?
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Lost in the article is the fact that one source of sports revenue at all schools is what might be termed a "student activities fee." A good portion of that fee underwrites intercollegiate sports teams. Obviously that fee is not generating enough money to help balance the books at most DI schools.But also at most schools those monies do support what are known as club sports teams. Those are teams that regulate themselves and play other schools, generally within a reasonable travel distances. The National Intramural/Recreation Association sponsors regional and national championships for most club sports teams. Student activity fee budgets allow for sport club teams to participate in such national championships.As student activity fees dedicated to fund sport club activiites are generally overseen by a combined student dominated board, it can be assumed were so-called minor (some term them Olympic sports) to be eventual victims of NIL, club sports would be expanded to allow those sports to survive. Albeit it in a student-driven form and to serve the sport interests of the student body. Such an expansion of club sport participants would mean that the collective teams would have have an expanded political presence on college campuses in terms of ensuring how their activity monies were spent.And were what is described to take place college athletics would return to oversight by its rightful participants. The students.
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As global warming materializes, it may be that history in the usual sense will cease. But we can imagine what historians might write about Joe Biden in the future, if islands of civilization remain.They may argue that Joe Biden's big mistake was provoking the Russians to invade Ukraine, thus setting in motion a chain of events. America had been warned by Putin that offering Ukraine membership in NATO was a red line that would result in war. Just as in the Cuban Missile Crisis, Putin would not tolerate NATO weapons aimed at Moscow at such short range.But having started inflation by too much spending and too much debt, Biden needed to divert the American people. It's easier to accept inflation if the country is at war with an enemy. And the actor Volodomyr Zelensky jumped at the opportunity to play Winston Churchill. Americans could watch the carnage on the evening news secure in the fact that only Ukrainian lives were being lost.Thus 25% of wheat on the world markets was taken out of circulation, as well as much of the world's oil.But demand for food and oil is inelastic, so food and oil prices soared. Japan has 3.8% inflation, the US 6.5%, many European countries are near 10%, Turkey and Argentina near 100%.Weaker economies are going bankrupt. Starvation now confined to a few places like Somalia is bound to spread.The evidence is unmistakeable. We have reached carrying capacity of our planet and now face the die-off predicted in "the Limits to Growth."
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Shane,Then Facebook should offer to buy those homes at market value. The same way the Port Of Seattle had to buy homes in the flight path of the third runway at SeaTac Airport. What Facebook wants is the taxpayers to fully subsidize their vision. We see this play out over and over. Tesla is good example of that, first Eloon likes the $7,500 tax incentive to buy his cars, then likes the idea that again taxpayers would fund his charging stations. Again Tesla, Eloon is having to invest no money of his own, this is the problem. In China they don't build individual charging stations, instead Nio uses battery swapping technology. You reserve your battery, pull into a gas station sized operation and your depleted battery is replaced by a fully charged battery, by a robot in 5 minutes. Building charging stations is literally ridiculous, if you need to charge your battery you drive around until you find a charging station, plug in and what wait for hours until your car is charged.If we're to move to EVs then individual charging stations isn't going to work, and if that's the route Tesla wants to use, then let Eloon invest in his own money in his quest for individual charging stations. I for one an tired of shoveling money into multibillion or in some cases trillion dollar plus corporations. Let them invest their own money instead of buying back their own stock, ans handing shareholders larger and larger dividends.
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I worked at Apple 20 years ago when this whole trend started. No, it was not some corporate conspiracy of planned obsolescence. There were two main drivers: 1) Making hardware that downs open dramatically increases durability and performance and 2) Creating software that supports old systems with any part a person wants to add is dramatically more expensive and less reliable. This trend started when Apple was a minor player that barely made money but it helped Apple climb away from bankruptcy and make all the products all of the current complainers enjoy. It is a reality of modern tech, not some top down directive to make wasteful things that take more of your money.
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Bruce Rozenblit - what happens if the Russians use one or several tactical nuclear weapons in response to NATO deployment of tanks in Ukraine?Also, there are videos online, easily available, showing large numbers of Ukrainian troops crossing largely open fields and getting chewed up by artillery. This may be happening to Russia, but you can verify for yourself that it’s also happening to Ukraine.
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Someone knows who leaked this decision out to the public. I know it wasn't me! To publicly state you cannot find the source out of how many people 82 plus 9 justices plus spouses 9 - 100 people but nobody leaked it....Not that this matters at this point in time, it was leaked and was a true opinion of a 6-3 majority rule. LEAKED by someone, and someone is covering someone up. The consequences would and are severe especially if it was a justice/spouse of said justice.Not to state, out of a possible 100 people, that you cannot find the person who leaked this opinion is why American have no faith in their governing bodies.This is extremely a bogus investigation and would suggest to Jim Jordan to serious open and consider opening a through, and more thorough investigation into the whole process of why no one is being chosen out of these 100 people of this leak. Put the pressure on Mr. McCarthy to Investigate this major breech of Security in the Court. The American People should Demand no Less!This investigation is Bogus! Demand We Investigate Again! to find one person out of 100! Not a needle in a Haystack!Who do I sound like Jim?... then investigate.
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I've had FAs for 10+ years. Neither ever beat S&P, like ever. Years market is down, they lost more than S&P and for years up, they made less. Both are fiduciary but that doesn't mean a whole lot in practice. What they did help is with consolidating various spread out accounts that I was struggling to find time and resources to do. At beginning they asked 1% of assets under management as fees, mind you its not 1% of gains. They get their fees whether you make gains or loses. After my notice to close account, it was reduced to 0.75%. As other commenters have pointed out, its not the 80s. Information and means for buying/selling are readily available to all. Manage your money yourself. I do understand the hesitation of doing so, and I was reluctant myself. But after all the years with FAs I read up on index funds and diversification, and am ok managing on my own now.Now for high net worth folks there are advisors who can get you into investments that are not available to every day folks like myself. I have friends how broke even for 2022, while I was down 15%. They have advisors I cannot access.
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LC your count is off. did you include the all-black Death of a Salesman? The Collaboration? (Last season was even more out of proportion, with some dreadful, albeit Black, skits posing as Broadway plays...and this season, Ain't No Mo' just closed. But sociology and tnetitlement trumps quality these days. In any case, even with your figure, 14 of 41, representing MORE THAN 1/3 of plays, and as someone who visits Europe all the time and sees quality theatre and true diversity, just consider that there are many great new plays written by Asian, Latinx, Middle Eastern, Irish, Turkish, Australian, Indian, SE Asian, and yes just white folks....I think we know what I'm talking about. The thrust of the article is that there is a "ceiling" on Black futures, as she says. They have to hustle, cheat, etc. like the characters in these three (Black) plays. If you can be honest for one moment, you can see that doors are hardly closed to and ceilings are hardly enclosing Black theatre artists. They've broken through that field quite nicely--good for them. But maybe the ceiling applies to the other groups I mention above? This is objective analysis, evidence-based, FACT. It is not based on self-righteous virtue-signals and bruised feelings. Not too long ago, that counted for something. Now, dangerously, feelings are more important--so I guess you would think what I am saying is "micro-aggressive?" Thanks for considering.
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The choice of whether to service clients while wearing the hat of an IAR (an Investment Advisor Representative) or that of a Registered Investment Advisor (Registered Investment Advisors are typically not individuals) or to service the client as a Registered Representative (RR) depends on suitability and best interest in and of itself. In many situations, a commission-based model may offer the best long-term value to clients, for example for a client that expects to buy-and-hold and is most concerned with long-term appreciation of capital. The main advantage of an Assets Under Management (AUM) fee-based relationship is ongoing monitoring. Conflicts of interest such as an advisor buying or selling the security that they recommend rarely affect non-wealthy clients because the volume the client and advisors trade is insufficient to move most markets. Also most true conflicts cannot be cured with disclosure. The ADV Part 2 must be provided to the clients due to the brochure rule. Regulation: Best Interest requires a quantitative basis for recommending and requires that the firm and RR understand and believe the product is suitable and in client's best interest. There are a lot of misleading points in this article.
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The spotlight has been shining for decades and nothing has changed. In fact it’s only gotten worse. Personal story: In 1991, a few months before the Rodney King beating, my friend was at a rowdy house party in Torrance, Calif. The PD was called to break it up. As my friend walked away from the house as instructed by officers, two officers apprehended him on the front lawn. One officer placed him in an illegal chokehold while his partner flailed on my unconscious friend with his baton for an agonizingly long time. The entire thing was caught on a video camera that someone had brought to the party. Local SoCal news relayed the sensational video repeatedly until it was eclipsed by the even more appalling King beating.Nothing has changed since that moment. Since that day in 1990, I’ve seen a non-stop kaleidoscope of police beatings flicker, intensify and then fade like a highlights reel from hell on my TV, computer and now phone. The technology might change but our response to these beatings doesn’t change: we don’t do a thing.
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The companies getting headlines, Microsoft, Alphabet, Meta have more cash than many countries. They do not borrow to thrive. No mention of the deep, deep cuts at Twitter with no reductions in operations? Could the underlying inefficiency of the staff be near as bad at other companies? Some CEOs admitted that they had lost control over hiring. Most of the larger firms will still be bigger than before Covid. The biggest learning is the firms that sell productivity services apparently did not use them in their operations.
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FunkyIrishman Of our current $31 trillion government debt, more than $5 trillion was added because of the wars in the middle east and Afghanistan. We spent more than $2 trillion alone in Afghanistan. And for what? President Biden made the correct decision to end our involvement there even considering the chaos that ensued when we did.
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This article only goes to prove that “open borders” should be a desirable political policy, not an epithet. Todays world is too interconnected to keep arbitrary armed borders up and needlessly create friction in the free flow of goods, people, and ideas.
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Dr. Krugman: Please, for the love of sanity, publish a column on what those of us who want to protect our investments should do before the Chaos Caucus destroys the US and global economy. Switzerland: Tough to do. Gold? Seems clunky. We’re already diversified but if we’re talking global financial meltdown when the loons tank the economy, foreign investments aren’t the answer. IS the answer that Biden will do what it takes preserve the economy? I grew up in extreme poverty and have no wish to return there because of Lauren Boebert.
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There are some people whose leaving the planet -- like David Crosby - will shake me to my core, whether it's because of what I heard in the songs they wrote or sang, or because of what I felt when I tried to learn and play those songs, or because of what the lyrics meant. The members of CSN (and Y) were singly and combined brilliant but there is a Crosby song that I believe should be included here: David Crosby's/Graham Nash's "To the Last Whale" with it's opening harmonies, whale-sound first bridge, lyrics and meaning made me weep when it came out in 1975 and still does today some 47 years later. We have not saved so many things that my generation thought we could save-- and this song continues to give me the chills -- and makes me think at least some people became one more iota aware from their own tears and tried a little harder. "Over the years you swam the ocean following feelings of your own and now you are washed up on the shoreline... maybe we'll go, maybe we'll disappear, it's not that we don't know, it's just that we don't want to care..."
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Maybe they were planted?We know that Trump has more documents that he is still refusing to turn over. Might these have been among them for just such a purpose? Who checked them out, and when?What subjects are involed.I am not a conspiracy theorist but seriously, so much subterfuge right out in the open, not the least of which involves Steve Bannon’shands at every turn … even in Brazil’s recent attempts to overthrow another free and fair election.And there is this: Joe Biden is a good man and Trump is an evil one, without question.
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Mike. Agree. I’ve been noticing the MBA syndrome for decades, the pattern of expansion which lead to cookie cutter retails from coast to coast. Soul crushing indeed. Over the years I have seen around me in NYC many successful small businesses at their peak clearly MBA advised expansion to their eventual demise.
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Be total open, see what’s there, the Republicans forget that while they dissemble in disarray, Democrats, Americans who actually cooperate with investigations, which are, in fact, part of official government responsibilities, have nothing to hide, nor does POTUS, etc. What the Republicans find different is that they attempt to cover up and to delay investigations. See the difference? But let everyone know: the weaponization of the federal government is coming in the form of this committee and this investigation - they are the aggressive swamp they seek to omit.
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Name, Ppl forget you can have debt and balanced budget (or the reverse.) Remember when Rumsfeld and VP Cheney said the Iraq war would take 6 weeks and cost 60 billion dollars? The cost was 6T-trillion all on credit. I don’t see why Dems don’t run ads pointing this out every week for the rest of our lives.
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Blackmamba True, but simplistic and confusing. The discovery of insulin as a cure for type 1 diabetes (T1DM), and the refinement of insulin for use as a medication happened almost exactly 100 years ago. Previous to that a diagnosis of T1DM was a death sentence. This discovery was unique and important enough to receive a patent as a new discovery. As mentioned in the article the patent holders sold the patent for $1.00. The rest is only one of the worst instances of the deceit, secrecy, and profiteering of pharmaceutical giants and PBM's. Millions of people have had their lives and bodies disrupted and destroyed by these practices. Executives of these companies and stockholders do quite nicely, thank you.There was a story recently that California was considering having insulin manufactured by a state run non-profit. Please.
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Since April 15, 2021, my 61 year old brother has been at Strong Memorial Hospital in Rochester NY. He initially suffered a stroke, then had three open heart surgeries, now has a pacemaker and a LVAD device. CDIFF, pneumonia, changing blood pressure, bedsores, infection, pain, sepsis, immobility, depression, anxiety, no appetite, are only a few of the things he deals with daily. All because of a stroke! Hoyer lift needed, he is getting minimal physical therapy at the areas "best hospital" I send him special meals with UBER EATS and the meals are not delivered.All he wants to do is GO HOME. O, also, he was a dentist and his insurance is running out. I need help figuring out what to do...
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Joe Smith Except that in Biden's case, it was clearly reported that the Penn office was packed by lawyers. My question is why Biden was paying lawyers to pack an office in the first place; surely, there are movers who will work for less than $500 an hour.
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"[Biden] organized a global coalition to support Ukraine and set Vladimir Putin back on his heels." Said Brooks.Quite the opposite.He ignored the warnings of dozens of diplomats and tried to expand NATO to include Ukraine, provoking the Russian bear -- just as those same diplomats predicted.He unleashed the warmongering neoconservatives to crank up still another war before the ashes of Afghanistan had even begun to cool -- much to the applause of the "defense" industry who are now rolling in profits.The sanctions have failed, the ruble is up and Europeans are facing a cold winter with sky high fuel bills. And the west, if not the entire planet, is facing massive inflation, brought about in large part by the Ukraine debacle.Worse yet, the Saudi's have begun selling oil for a variety of currencies which will ultimately crash the dollar as the reserve currency.The empire is teetering and so is Joe Biden. Where Brooks sees "Biden’s cheerful confidence," I see a shaky step and befuddled thinking. And the sunglasses don't help. We haven't forgotten he was the corporate Dem's desperate choice to block the Sanders candidacy. It's long past time to retire.
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How does a person who denies evolution and believes in the literal interpretation of fairy tales build a “cloud-based customer-service company” (whatever this non-thing thing is) and sell it for $1,200,000,000.00 when I, a perfectly sane professional, an actual stable genius, a believer in science and Enlightenment principles, consider it a good day when I can scrounge $15.99 from the folds of my backpack and the bottom of the cup holders in the car to buy a salad for lunch? Something ain’t right, as they probably say out there in Montana, out there with their big skies and bison and those angry sheep that are always bashing each other with their elaborately horned heads.
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The American myth that cannot be challenged is that we are a nation of rugged individualists who are accountable for our lot in life. Jefferson believed it while having slave labor to support him. Trump believes it, conveniently dismissing the $450 million head start he got from his inheritance. Many people will go to their grave without acknowledging the fact of our interdependencies. Thus, the only game that keeps solvent Social Security, Medicare, Medicaid, unemployment benefits, disability benefits, and the rest is to leave the myth unchallenged and press ahead.
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Michael P Those books are propaganda, proven to be directly descended from oil industry misinformation. Misinformation generated when their own scientists warned them of consequences of unchecked carbon pollution. I suggest that people read Naomi Oreskes "Merchants of Doubt". Blaming "academics, politicians, media and corporations" is a red herring fallacy intended to deflect blame from the source and transfer blame the messengers. "...retired geologist.." is the argument from authority fallacy. Truly concerned scientists respect the 100 years of hard climate science beginning with Svante Arrhenius in 1896. The earth has been here before *several million years ago* when the earth was 4c warmer and the oceans were 130' higher. The earth will definitely survive, as it has. The question is whether civilization as we know it will survive, which it definitely will not if we continue on the business as usual path, and whether our species will survive at all, which is an open question.
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our condo/strata in Sydney is regarded as possibly the best place to live in the inner suburb within walking distance to the center of the cityour committee is the usual one or two people who do all the work, while the 3-4 other members don't but just want to have their say when they've got something to complain about.we two do-all-the-workers are tiring after 20-30 years of donated unpaid volunteer effort - we have estimated that a paid building manager doing much less work would charge probably $40Kpa for part-time visitation, and to provide anything like we do for free would cost more like $1-200Kpaso we're angling to ask for newbies to join - for an interesting role that looks good on a resume - volunteering to help others - learning management skills - but until we step back it's unlikely anyone else will step forward.meanwhile, I'm told that a nearby complex where a friend did 'everything' for a similar 20-30 years until she threw up her hands in dismay, sold, and moved away - news today that place is going to hell - complaints of garbage piling up and 'why won't somebody DO something !?!?!'so I'm watching with interest to see if anybody steps up there before it all goes to hell in a handbasket.
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New York is very expensive, sure. Even in Manhattan, though, 400k/year is very far from being in need of special protection from the IRS. Plus, Bret and Gail both seem to forget, an audit is not an arbitrary act of punishment, it's a process to make sure you paid exactly the tax you owed, which anyone should do, regardless of whether they earn 400k, 40k, or 4 millions.
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David L, Jr. Very much this, I'm afraid. It's as if some think all thought sprung sui generis from the split-open head of Zeus like Athena perfectly formed ready to invert civilization for its own sake.
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pumpkineater39 This, just in;<a href="https://www.cnbc.com/2023/01/04/nonprofit-financed-by-billionaire-george-soros-donated-140-million-to-political-groups-in-2021.html" target="_blank">https://www.cnbc.com/2023/01/04/nonprofit-financed-by-billionaire-george-soros-donated-140-million-to-political-groups-in-2021.html</a>
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Huh? This is the LEAD WRITER on economics for the NY Times Editorial Board? I shudder to think what the DEPUTY lead writer thinks. We're in a debt bind because we spend 21% of GDP and tax 17%, so our challenge is . . . we don't tax enough. A sixth grader could fashion this argument. The debt challenge is the growth of GDP and tax rates. The more debt we carry, the more GDP and higher taxes we need, to pay interest on the debt (except if interest rates plummet, but inevitably that's a short-term item). Unless you think GDP is about to boom, or tax rates should increase more (already up to 18% in 2022, from 14% in 2010), the way we sort our debt item is to spend less. The item isn't that complicated. It get hard to sort out where to spend less (entitlements and/or the military) or how to grow GDP (legal immigration).
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Eric B Same here. On days like today that’s the only community page I tend to leave open 😀Not “incented” to open much else, at the weekend although I have been honing my proper nouns post and I noticed TI5 and Titian should be added…
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The tragedy of this war, any war, is overwhelming. A city of 100,000 reduced to ruble and the smell of corpses. One can easily imagine all the families who went about their lives prior to the invasion. Schools ringing with children sounds. Shops and eateries filled with patrons, exchanging smiles, saying hello, friends getting together. Homes secure, places of family warmth, humor, love. All gone. Gone in this lifetime. Gone in the blink of a mad man's perverted notion of his needs. We have our mad men and women too - in our congress. We just saw their shameful show. Just the appetizer for a lousy meal to come. In response to the brave Ukrainians who resist, who fight and die, will the mad ones in the new congress stand for freedom or turn away?Will they do as the French did 250 years ago when they came to our aid against a king or will they allow King Putin to have his way?Americans have freedom in their blood. Make that blood boil if this congress forgets that and turns its back on the fight against a king.
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DecliningSociety No country in the world has "open borders," including the U.S.A. There is a crisis at the border BECAUSE we don't have open borders. Who's "simply lying."
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Huh.So Trump’s head accountant is in the clink today just for funsies? And Lazard, Freres dumped his businesses for no reason? And D-bank made brilliant investments in Trump Enterprises? And Javanka took a couple bil from the Saudis and Kuwaitis because they were redecorating?
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Hopefully, people will read the piece first before responding. My State, Utah, must love induced demand. Whether it's widening I-15 or making the Bangerter a true highway they are stuck in that 1960s concrete mindset. As noted in the piece it never works.The Legislature here balks at the thought of making mass transit free even though the $40M+ exit rebuild near my house is more than the free mass transit option.The other piece of the puzzle though is zoning. You need higher density for transit to really work.Maryland and Virginia, when you have a kiss and go lot, why not have housing there? I don't mean across the street.We can do better.
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cu there are now about 500,000 Russian soldiers fighting in the Ukraine war, out of a national population of 150 million. They are barely scratching the surface of what they can field, and this is the result again of massive overconfidence on the Russian side starting this conflict, thinking they could pull of a different variation of “America invades a country without even noticing”This overconfidence has even extended to very high ranking Russians openly renting hotel suites right next to the front lines, only to get a HIMARS strike they barely avoided. It takes time to overcome overconfidence, but the Russians are being forced to do that, and they have far more men & resources than Ukraine.By the way, you are right, there is no clear sense in Russia of why they are fighting. The reasons change based on the speaker and on the day. This again is overconfidence, Putin wanted freedom to maneuver and tying yourself down to specific goals and narratives is constricting
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peter Sounds good. Now do it.Performative theater to get money into their campaigns is still performance.I agree we should have these things. And the progressives should also be watching to require certain aspects to open up the house to this as well.The corporate moderates must be dealt with. But republicans are dishonest. They serve the corporate Masters. Matt Gaetz though I can't stand him actually knows the issues that are popular and doesn't take corporate money. I believe he is the only one on the right that doesn't that I am aware of.
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Wine is wine, that's why an older vintage like myself enjoys a glass at a particular temp and with, or without, a specific food. Beer is something that is opened and consumed like the cans in the (lousy) photo from your article. (How any photographer can take such an awful photo, and then have the NYTimes okay it, is beyond me!) Beer currently, especially micro-breweries, enjoy the numerous possibilities of adding ingredients to their beer as a way to sell it, such as pumpkin and spices, or chocolate! Who doesn't love chocolate?! And wine? In my opinion, you cannot do that to wine and still call it wine. Then it becomes a 'cooler', or mixed drink. Learning about wines, educating yourself to the way it grows and is cultivated, is part of the enjoyment and appreciation. Perhaps the market is somewhat over-saturated, and growth in the industry is not really possible. I true challenge for ambitious entrepreneurs alike. Besides, there is a lot of effort that goes into creating a delicious wine. That cannot be said for beer.
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I hope people have told him about the millions of dollars that have been raised for his children's toys charity. No doubt, that will speed his recovery even more. I assume he's been told, but I haven't seen anything about it, so I thought I would mention it.
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Mr. Krugman is correct on this. The desire to destroy Medicare, Medicaid and Social Security have been goals of the plutocratic Republican right wing since the time when the respective Congresses wrote the laws and they were enacted, back to FDR, then to Lyndon Johnson.True, the crazies among Republican House members are just that crazies. Zero substance whatsoever. Just grasping and shouting about whatever irrelevant event that they believe will serve as "redmeat" to the substantial group of like-minded crazies in the electorate, who support Republican officials, primarily lower-income, rural whites.The country-club set that has always supported Republicans only want to retain their upper-middle-class living. Any kind of income or property taxation is anathema to that social segment. Ergo, income tax cuts, property tax cuts - most of the property taxes doing to support public schools - are popular.The ueber-wealthy, ueber-high-income pays around 22% in federal income tax due to the absurd favoritism granted in the tax code to capital-gains and dividends, aka unearned income, that is taxed at 15%. That 22% always stuns me because the lowest-earning citizens pay a higher percentage of their wages, combining FICA (employee portion at 7.65%, but applied to gross income, not taxable income) and a 10% marginal federal income tax on their earnings. Not only that, but the earnings, are wages from doing something, not "clipping coupons " in the case of the ueber-wealthy.
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It is a false belief that there is money to be regained by going after the rich and their armies of high priced tax lawyers and accountants. The result will be extended and expensive litigation with the tax payers footing the bill for the IRS’s attorneys who will likely go to the private sector after a few years of practice anyway. Merely look at Trump’s shamefully released returns and see that there was no illegal activity. Far better to fix the tax code then to rely on numerous audits for revenue.
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I'm somewhat skeptical that there is a systemic problem with under-appraisal based on race, and I'm Black. Maybe there is such a problem, but I'm not sure why there would be, because in my experience dealing with appraisers when buying or selling my own homes over the years, they are mainly interested in supporting the negotiated purchase price so that deals don't fall through, at least if obtained after a contract has been signed, and if obtained before a contract is signed, they tend to go by neighborhood "comparables."Worse, when I looked at the link to a summary of the study supposedly showing bias, I found an article which stated, "Analyzing the millions of appraisals by using census tracts as a proxy for neighborhoods and comparing communities with nearly identical housing stock, two researchers found that the results showed a clear correlation: The higher the proportion of white residents in each community, the higher the appraised value of individual homes."Wow. This doesn't prove bias in appraisals AT ALL. It merely shows that, on average, homes in neighborhoods with more white residents appraise higher. That could be due to a number of factors, including but not limited to racism by home buyers, rather than by appraisers.So, again, I'm skeptical. I have yet to see unambiguous evidence of systemic racism in the appraisal industry, although there is some limited anecdotal evidence based on personal stories, and I have an open mind about the issue.
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Neither the article nor any of the comments mentioned robo advisors. These are software-based investment platforms that use algorithms to match you to an appropriate portfolio, based on your goals, risk tolerance and time horizon. Most of the large wealth management firms, banks and fintechs offer them. While there are differences between them, they all ask you a series of questions (as a good human advisor would) and then recommend a low-cost portfolio of mostly ETFs. The robo advisor will also automatically monitor your portfolio and rebalance it whenever market fluctuations cause it to get out of alignment with your stated asset allocation goal. They are very simple to use, and they do all of this for a fraction of the cost of a human advisor. Most charge 0.25% - 0.5% of assets under management per year, but there are a few that are actually free.These are a great solution for the majority of people that do not have the time or confidence to build and monitor their own portfolio. They generally do not include a true financial plan, but you can often pay an extra separate flat fee for a plan if you need one.
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| 2,409 |
"When rumors of layoffs began to circulate last year, she assured colleagues that their jobs were safe, pointing to the more than $40 billion in cash the company had in the bank. But in November, she was among 11,000 workers laid off."Maybe it would be best not to be so naive next time. Those billions aren't for you, they're for the top execs milking the cow.
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| 5,509 |
What I would like to know is if there is any form of paperwork in which they can tie him to any other of Trump's criminal associates past or present, and if there is any recent documentation of visits to either the Trump White House and/or Mar-a-Lago since 2018, if so was he conspiring with Trump for possible nefarious activities in connection to Trump's illegal possession of classified information, what will be interesting is if the DOJ keeps any court filings under seal for an extended period of time which would lead me to believe that in the filings or possible indictment, they believe National Security would have been or may still be jeopardized considering this individual's former position, these developments certainly are alarming knowing how far Trump and his enablers will go in order to enrichen themselves and destroy democracy
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| 7,744 |
In fairness, I can afford a dozen of eggs ($11 where I live, eek), but I choose not to spend it. It's simply too much. It's a luxury. Eggs are a luxury right now. We've been eating oatmeal or any other kind of porridge for breakfast. We'll survive.
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| 676 |
Jack Frost perhaps Mexico seeks to pull itself up, not drag the U.S. down. Viewing Mexico as a resource, not a threat, is a first step in furthering investment in our southern neighbor. If the economic opportunities significantly improved south of the border imagine how beneficial that would prove to be for all involved. China has expanded development worldwide, with significant investments in Africa. The United States should follow that lead and continue to expand our economic relationships with the countries, and continents, to our south. They're not going away, might as well get them to join the HOA.
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| 6,981 |
Nice summary of recent/future economic trends.But one little quibble: "small business" should be precisely defined in articles like this. Global statistics about "small business" gains and losses are always followed by a narrative featuring a owner of one small shop or cafe with 4 or 5 employees -- as this article does.The problem? In the US, small businesses are defined as having revenue ranging from $1 million to over $40 million and employ 100 to over 1,500 employees. A business with 1500 employees and is not a small business! The policies presented to the American people as helping "small business" mainly benefited large companies.If the owner of a business can't walk around and name every individual employee, it isn't a small business! Small business should be capped at 50 employees, as it is in many other countries. Then policy benefits would actually help those that need it.
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| 366 |
I am a trans woman. And I agree with Erica Anderson, the trans psychologist mentioned in this article.Parents absoultely have a right to know if their kid has socially transitioned at school with new names/pronouns. This is a big deal. Gender transition should not be taken lightly. Keeping something secret like this away from parents is only going to cause eventual harm to the relationship between child and parent without proper communication and therapy. It could even make things worse, because now there is a lack of trust between the two.When I came out to my convervative and religous parents, they rejected me (as I expected). But we kept communication open, went to therapy together, and did the hard work of trying to understand each other's concerns and points of view. It took time, effort, pretty much every range of human emotion possible, but eventually they came around and our relationship stayed intact. Teachers and administrators are not experts in transgender psychology or medicine, and therefore should only be acting upon guidance from a therapist, psychologist, or physician with expertise in this area on the best course of action for each gender questioning student.
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| 5,780 |
The more that Harry speaks out, the more he looks like a whiner and crybaby. I think Harry is deluded in his thinking that the more he says about his relationship "difficulties" with the royal family the more sympathy he will draw. In fact the exact opposite is happening with more and more people around the world becoming fed up with the duo. Fundamentally Harry's problem is that the general public can't reconcile his issues while he continues to make millions of dollars with Netflix, Spotify and Penguin with his public complaints. Let's leave out Meghan Markle here because too much ire is castigated against her when in the fact the true culprit of all this nonsense is the Spare in Chief. Clearly Harry is not happy about his circumstances and I can empathize with that, but whatever sympathy I might able to conjure for him is washed away completely everytime he opens his mouth. His public pronuoncements are the exact mirror of his father's and mother's public relations disaster back in the 1990's and clearly Harry has not learned from them. Both Charles and Diana did a lot of public damage to themselves when they did their interviews about their failing marriage, which to me simply reinforces the motto that the late queen mother followed, 'never complain, never explain." Perhaps it's time for Harry to shuffle off to the privacy of his multimillion dollar Montecito mansion before he becomes a complete parody of himself if that's even possible.
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| 1,866 |
1. CE - penny2. CI - in MLA or APA style3. CI - an animal called a cat but that is not actually feline4. CI - a type of duty5. EF - causal result6. EF - worked well7. EF - worked well and without much waste8. EN - attract9. EV - throw out a resident10. EV - the one thrown out11. EV - make obvious 12. FE - keeps the dog safe13. FI - imaginary14. IN - buy one, get one free15. IN - it’s illegal to “in….violence”16. IN - didn’t work well at all (see 6)17. IN - works but is too wasteful (see 7)18. IN - via an open wound19. IN - bacteria and viruses20. IN - mean people hurl them with their tongues21. NI - kind22. NI - like nephew23. TI - root word for medicinal concoction 24. VI - opposite of virtue
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| 5,577 |
When I lived in Glendale, AZ in the early 70's, the housing boom had just begun. The graduate school that I went to regularly kept its lawns green by flooding them with inches of water, and we never even considered water conservation. There were miles and miles of open land between Glendale and city limits of Phoenix, as there were between Glendale and Scottsdale. Now the entire Valley of the Sun is one big housing development. I am frankly surprised that supplying these bedroom communities with enough water has not caused an outright ban on new housing development and growth into the outer suburbs like Rio Verde long before today.
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| 9,803 |
My goodness, you would hardly think an article about an institution making modest changes to become more open and inviting to its immediate neighborhood could draw such negative remarks. You folks are the reason older culture is dying out--you're treating it as a talisman that justifies your superiority rather than the living, breathing experience for everyone that it actually is. But it's actually better for you to create a grievance and nurse it than bring the beauty you profess to love to new audiences.
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| 2,279 |
Food is mission creep. I just do not think companies need to create a perk that then requires managing what essentially is another industry. Suddenly you need kitchen managers, food procurement, line cooks. Then you need to watch out for health inspections. All this creates unnecessary corporate bureaucracy. It's bad enough with HR and diversity managers. And before you suggest outsourcing to Sodexo or Aramark or whatever: they will run you a FORTUNE, and trust the produce is not getting washed.I just think employers should get back to basics like individual offices (instead of open plan), comfortable chairs, multiple HD screens – i.e., stuff that actually helps workers do their job. As it pertains to lunch, give your employees an hour and let them figure it out on their own!
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| 1,029 |
Re: Lifting the Debt Ceiling Below may be helpful for readers to understandthe situation in a global context. To stay within comment limit, limited it to RussiaCountry Budget Balance as percent GDP 2022US - 5.5%Russia - 1.1%Data : The Economist Jan 19th 2023, The EconomistIntelligence Unit Here is how the NY Times reported the Russian valueThe NY Times "Russia Reports 2022 Deficit of $47 Billion"Russia posts a $47 billion budget deficit for 2022, its second highest in the post-Soviet era. The budget gap reached 3.3 trillion rubles NY Times Jan 10, 2023 And the NY Times noted“Strained by the need to finance its war machine, the Russian government said on Tuesday that it had posted a $47 billion budget deficit in 2022, which is the second-highest since the break up of the Soviet Union.”And the NY Times stated the deficit was 2.4% of the BudgetIt saw the Russian values as alarming. The US budget deficit value, depending which source you trust is higher than Russi'as by a factor 2.4 (NYT) to 5 (The Economist value)
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| 1,946 |
Hongrad Zeid if using his father's name as leverage to open doors and make money is the extent of his offerings to Burisma, you'll have to investigate pretty much everyone in government large or small. They all do it.Many, many years ago, when I was just out of high school, I wanted to take a job offered by the city. My father told me I could not do this as he already worked for the city and there were laws on nepotism in place. How quaint that seems to me now.
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| 8,734 |
The disclosure of why classified documents were taken andnot redeemed is the real issue. This must be discovered.And a remedy for inadvertent keeping of classified documents must be administered promptly.The investigations of why Biden had such documents; versuswhy Trump had classified documents is also to be revealed.Biden cooperates; and Trump refuses to cooperate withany investigations. Biden is open to investigations; and Trump repeatedly. obstructs investigations.Hence: Biden abides by the law; Trump defies the law.The contrast of Biden's ethics vs Trump's ethics could notbe any clearer. Lux et Veritas!!!
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| 9,265 |
Ms. Smith mentions that the terms of the agreement prevent The Met from selling any of the Guston works. I wonder though whether they can legally trade some pieces with other museums for works that are more immediately needed to fill in gaps at The Met. Otherwise, the museum has saddled itself with a major storage problem and opened itself up to criticism that they are hiding things that should be before the public. This is a real devil's bargain, on top of which, were Guston to be seen in a somewhat lesser light in the future, the Met would then be burdened with very onerous obligations. On a more personal note, I find several Gustons quite enough at one time. Don't you?
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| 8,022 |
We had a Finnish sauna built outside at our home in Vancouver for year-round use after having falling in love with the experience at a German sauna centre in 2011. We also have a super basic cold shower outside. It is beneficial for so many reasons but also as a way to heat adapt for some of our cycling events in warmer climates. 3 x 20min sessions per week is great for that. And when I contracted Covid at end of September (after 3x vax but on a trip with people close quarters...so it goes) I spent 4x/week in the sauna as heat/summer is what set Covid back. Kept my chest open and body feeling better. Sauna culture is slow culture. It is peaceful and nature-inspired. The wood smells amazing. The heat feels nourishing. A big (tempered) glass of water and my spouse.
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| 6,179 |
Roy Its only on paper if you assume that holders bought in at $1 took the roller coaster up to a peak and now are at a plateau of $16000. In reality, there were buyers and sellers all the way up and all the way down and we have no data showing that those who bought in at $1 are still the holders of the same tokens. For those who bought in at the peak the losses were real. For those whose assets were stolen the losses were real. For investors in the coins issued buy FX and other bankrupt companies, the losses were real. To the extent that coins served as collateral for loans, the loans would be called in unless the borrower posted additional collateral, which may already be pledged to other lenders, thus triggering a forced sale of the coins usually at a loss.
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| 547 |
Like Greenspan, Kashkari learned from the 2007-08 meltdown that market health isn't ensured by the "self-correcting powers of capitalism." A reformed Reaganite or a campfollower of the new woke movement? OK, usher him to the front row, but don't let him lead the choir.The big difference between the Volcker and Powell eras is the Fed's balance sheet--i.e., holdings of agency bonds and mortgage backed securities (bonds). Until the 2007-08 debacle, the Fed's balance sheet was $1T. The balance increased to $4.5T after Bernanke's crucial rescue of the economy by buying bonds.Five yrs ago, Powell sensibly tried to reduce the balance sheet, but central banks had been displaced by hedge funds. No longer would creditworthiness drive US bond pricing. Hedge funds own bonds for profit, not to implement monetary policy. Faced with an oversupply of bonds in the market, the hedge funds bailed, and the Fed quickly quit selling bonds to restore calm.At the start of Covid, Powell added another $4.5T to the balance sheet for a total balance of $9T. Bond buying was now a powerful tool in making monetary policy. The Fed makes monetary policy by changing the fed fund rates, selling bonds to raise rates and buying bonds to lower rates. If the current effort ($90B/mo) to nonrenew bonds fails, the Fed may have lost a vital tool to save the economy from inadequate regulation, esp of hedge funds. The Fed can lower rates to zero, but can't keep doubling its holdings without cornering the market.
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| 2,318 |
Kathy A very good point about Harry's children. As he trashes his family, he further isolates his two very young children from the joys of knowing their extended family. It may be difficult for them to ever get to know their cousins, aunts and uncles. Or to take part in the traditions of the Royal Family, which should be their birthright.A few decades hence the world may have another volume of complaint-- penned by one of Harry's children-- lamenting the isolated life he/she was forced to live, cut off from family, thanks to the selfish actions of their parents. Karma bides its time.
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| 6,147 |
The imbalanced cost structure of sending vs receiving email is the problem... senders are free to spam tens of thousands at almost $0.00 cost. More importantly, work colleagues are free to "+Bob, FYI" along the way of a long exchange.Idea to solve: If the email header could include one additional piece of information -- a currency field that communicates "Sender contributed $0.0005 to a registered charity to send this to you" Validating this factoid should be pretty easy for software whizkids.
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| 1,103 |
I have had two "recent dustups" with the travel industry and the result is - no more business from me. I now pick U.S. destinations and I DRIVE. First episode was a European river cruise (you know the company). We spent ALL of the days traveling in buses (not cruising down the river) due to historic drought and low river water. The company KNEW for months (for years now this has been happening to people and said NOTHING. We had trip insurance too). We booked a balcony room, but at every stop we were "tandem docked" so that another boat was dock adjacent to us, blocking the view entirely. The upgraded drink package that we bought was largely unusable since we were in busses all day.The second fiasco was a "Prince Edward Island Cruise" package that we bought from Norwegian. We paid $900 up front for the upgraded drink package before learning that Norwegian CANCELLED the Prince Edward Island part of the cruise (the majority reason for going). We asked for a refund (it was still a multiple months in advance) but they took the $900 claiming that the small print on their contract allows them to change the itinerary at will. Lessons learned - Let the buyer beware.....
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| 4,048 |
I work in an industry with non compete clauses, these are mostly non paid (sometimes paid half the time, non paid the other half), they effectively ruin your career if you try and leave. There are no business secrets, everything is open knowledge, as I work in finance, but the company use the non compete to bully and threat, because they know, for a career which is mostly for younger people, what devastation 12 months (sometimes more) causes out of the market/work place. This also includes not paying bonuses due when leaving, usually 6 months worth (bosses seem to consider it an exit fee). So, you miss out on your main compensation for 6 months, then have 12 months unpaid, and then you have to build in time to gain momentum in a new jobNo wonder companies and bosses feel they can treat employees as they wish
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| 5,622 |
If the appeals ever end and Trump ends up actually paying this fine, will the $5 or $10 donations that will pour in from his fans be enough to keep him from digging into his billions?
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| 5,263 |
Health spending per person in the U.S. was $11,945 in 2020, which was over $4,000 more expensive than any other high-income nation. On average, other wealthy countries spend about half as much per person on health than the U.S.Despite higher healthcare spending, America’s health outcomes are not any better than those in other developed countries. The United States actually performs worse in some common health metrics like life expectancy, infant mortality, and unmanaged diabetes.A healthcare system with high costs and poor outcomes undermines our economy and threatens our long-term fiscal and economic well-being.
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| 2,195 |
Insignifiant Human 😶 If a parent has a kid that won't open up to them, that is on them, wether they are to blame or not. It of course can be all the child's attitude. Think for a moment. If a child confides in a neighbor, or other relative, is that confidont obligated to inform the parents? This country has to get it together as to what freedom actually plays out as. Freedom can squelch nothing that does not ha someone else in aaterial way. Be responsible for your own emotions.
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| 4,572 |
Americans, and increasingly others throughout the world, have an unwavering fascination and attachment to growth for its sake along; as if it conveys some magical properties to make things better.It's a rather childish notion when you think about it: "endlessly getting bigger", which was okay when humans are 5-6 years old.Innovation, for example, increases the yield of a resource when applied. That's optimization—not maximization. And the distinction makes all the difference.Growth is not always good. It has to be tempered with other qualities to be useful and to serve our needs. As mentioned with innovation, improving things, extending their functions, making them smarter, are forms of growth that don't dictate getting bigger.Americans can look at our consumer-driven (consumer buying makes up 72% of US economy) economy for evidence of growth's negative effects when getting big is the main criterion.Oh yeah, we're getting bigger, especially around the waistline and debts.China, in contrast with the US, is even worse circumstances as the author points out. The real estate sector, the catcher's mitt of greedy tendencies, will crash their markets like nothing else can because of its widespread penetration into all areas of the economy.The US isn't far behind in that regard. Keep watching private equity chasing the rental property markets and how quickly they will ruin consumer housing for everyone.
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| 139 |
You know it makes sense to have $1000 per hour lawyers clean my office…it just makes so much sense. It’s almost like they were sent there knowing this documents will be found. Here I thought voting for Biden would mean he will be above the fray but he pretty much broke same rule he was lecturing former president Trump about. I know media will try to say this is different than Trumps and play it off because of their bias.
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| 8,677 |
Online reviews are useless now. Even sites like OpenTable, which claims only diners who've visited a restaurant can leave a review, are full of fakes. Here's how:Restaurant owner makes reservation at OpenTable, then checks himself in at the reservation time and posts a 5-star review for the low price of $1 paid to OpenTable for the reservation.
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| 8,756 |
It’s funny you ultimately recommend weather sealing. Gas stoves are not a major problem if you use a venting fan or open the windows. Gas stoves do become a problem when your home is air tight and your ventilation insufficient.
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| 9,131 |
Thank you for the this article. It is heartbreaking to see children die from hunger. I just donated to the World food program Somalia appeal. WFP requires about 200 million dollars to address the famine in Somalia. It is such a small amount if everyone chips in. I hope Somalia gets good governance and end of its civil war so that such crisis can be averted. But, now is the time to make sure children don't suffer.
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| 8,429 |
Eric B Wordle 578 3/6*⬜⬜🟩🟩⬜⬜🟩🟩🟩⬜🟩🟩🟩🟩🟩It helped today to know that a certain word had already been a solution. Apparently, the bot and a lot of other players didn't. That and letters ruled out in the opener narrowed my choices for the second try, which itself narrowed things even further. Another not-heard-everyday kind of word.I agree with Great Lakes that the bot's solve in two is beyond far-fetched, especially with so many other choices available. I have long suspected that what the bot actually does is start with the solution and choose words that fit between that and its chosen starting word. A comparison of the bot's play on its own with its word suggestions to the human player shows a distinctly different approach at work. The bot punishes those who go for the quick kill with low skill scores, even when they get lucky and land it in two. It seems out of character for it to divert from its usual method of eliminating letters.Yesterday's words:STARE 87 words leftPATCH 2 words leftADOPT — W/LPATCH was an attempt to head off a possible _ATCH trap that didn't happen. I never even thought of TOPAZ, the other remaining choice. ADAPT had come to mind, but was ruled out by the opener's showing that the A would not be the center letter.The streak abides. And after a large showing yesterday, so did the hive. They came out in force just to beef about the lack of British spellings. Congratulations Mark on a surprising two-solve
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| 1,152 |
joes1960 Some metrics I commonly cite when discussing our political climate and "how we got here":--Roughly 1/3 of US adults over 25yrs have bachelors degree or higher. Just as many have high school diploma or less education. Majority of those w/ higher education are women (53/47). --Median total HH income over the past decade has been in the $65-$70k--Avg voting participation in last 4-5 presidential elections has been in the 55-60% range of eligible votersTakeaway: You're falling behind in education, economic prospects, and haven't felt represented or motivated to vote. The pied piper of grievance politics comes strolling down main street offering cheap excuses and scapegoats for your problems, rather than accountability and reflection, of course you'll get on board.
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| 3,197 |
Sid West -- apparently you're a hit and run commentor. Did you even read TFA with an open mind? Or any of the comments herein?They quite literally are discussing what often goes wrong with private equity.It's the same old story. Greed.Greed, squeezing every penny possible from something, exists at the cost of everything else.
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| 2,829 |
David MD Untill the *0's many companies had their own IT departments. Along comes the Reagan era and everyone decided to outsource their IT and not pay those programmers the $150k/yr. They now by canned programs and they are thought of just like any other cost. The cheaper the better.
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| 493 |
Max Please don't buy the propaganda that tech workers wanted free food. We didn't. Free food is the company signaling that you don't need a real lunch break, just grab some food and head back to your desk. If the cafeteria is open 24/7, it's the company signaling that you're never going to be able to go home and eat.It's NOT a benefit any of us wanted.
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| 5,346 |
Kyle "We live in the richest country in human history and spend 4.2 trillion on healthcare in a year."But how much of that actually RESULTS in health care?
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| 4,082 |
This recruiting effort provides lawyers an absolutely legal open pipeline for influencing, or even bribing, a supreme court justice. This is shocking. If she is making millions on the commission, how much is the lawyer making? Something smells fishy. No wonder the supremes have no idea how the rest of us live.
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| 7,943 |
Johnny Panic $120 million is less than $2 per person. It might be a waste, but it isn't the problem.
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| 4,580 |
Rick I think you missed the point. Santos was essentially broke, but somehow mustered $700K to lend to his campaign. I’m wondering whether he used his corporate ownership of the unregistered PAC to siphon money to himself so he could lend it.
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| 2,881 |
KV i fully understand. I was looking at a job in your area 15+ years ago but between property taxes and housing I decided to stay in Michigan. My property taxes are under $4K annually and housing for nice 2600 ft^2 is well under $500K. A lot less traffic to. I like to visit your area but work in midwest. :-)
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| 1,268 |
I wish her all the best in running one of the country’s greatest cultural institutions, but crabby seniors are the lifeblood of film forum and I think they always will be. And even though they are unfailingly crabby, the old people that fill matinees at FF really do keep the doors open at those places. Not that it’s not a good thing to attract a younger crowd as well.
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| 9,175 |
10 Trillion in wealth has officially been wiped out in the markets at the moment. Yes, I have encountered the .com bust as well as The Great Recession. The trouble is this time the panic selling has reduced 1 Trillion dollars alone from just one of America's most profitable companies that has earned on average– 85 Billion per quarter in net revenue for the last four consecutive quarters. This kind of selloff is not normal and is unprecedented. After all, if the company was not profitable I could understand – but 85 Billion is real earnings, real money. This does have repercussions for those who have invested in equities as part of their IRAs. Suggested reading: "Animal Spirits: How Human Psychology Drives the Economy" by Robert Shiller to understand further why the Fed needs to take pause at the moment and loosen the grip a little. A too heavy handed approach could land us all into another recession. And if you think we have problems now – just wait. Much more pain and a slow protracted economy for several years would not be pretty.
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| 6,870 |
If there’s one thing both parties can always agree on, it’s shoveling ever more money into the black hole of the military industrial complex. They’ll quibble over a few million for children’s healthcare or food stamps, but then they’ll throw close to a trillion at the military (45 billion more than even requested this last year!) without blinking an eye.
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| 7,224 |
Douthat should consider the fact that the neoliberalism (Reagan-style ideology) of the last 30 or 40 years has relentlessly sent the message that individuals should live their lives as if they were a company. Your whole life is about "investing" in yourself to get a return on your investment.Education? It's not a public good that should be supported by all; it's an individual economic calculus, and you should invest in yourself with an eye to getting a return on your investment.Family? Work it out on your own after you have fulfilled your boss's demands. And heaven help you if you end up in a situation (divorced, single mom, health crisis, aged parents) that exceeds your private family's ability to provide care. Service to others? Involvement in a union or a church or a political group? What are those but hobbies that don't provide you with an economic return on the investment of your time?
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| 9,033 |
Today's solve extends my current streak to 500. By coincidence, today also happens to be my 68th birthday. A nice birthday gift!Back in 2020 I had a streak of, as I recall, 235, but that ended in early 2021. I took up the current one later that year with a goal of 365, which I happened to hit on 9/11/2022. Having got that far, I thought it'd be neat to continue to the end of the year, so that I could have a full calendar year streak. And that was close to 500 so I kept going ... and here we are!My daughter Sarah helped with a small number of puzzles, but she also kicked my bum about lookups, for which I'm grateful. Lookups are now a second-to-last resort (last being the column and comments) and I'm a better solver for it. I have been able to complete a full week's worth of puzzles without lookups and this is pretty fulfilling! But getting through Friday and Saturday can be pretty tough.Anyway, my thanks to the hard-working constructors for the fruits of their craft. Truly amazing! And I thank Rachel, Caitlyn, and Deb for their insights, humour, and graciousness in the columns. Finally, a big thanks to the contributors here. I have learnt a lot.At this point I may take a break. Let's see!Mark
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| 8,209 |
As the cost-benefit at many 4-year colleges in the United States crossed into the Twilight Zone, college students were still willing to pay hundreds of thousands of dollars for degrees and placement into white collar careers that required them. However, I expect that debt burden to only become greater for future graduating classes – while their means to pay it down will become harder. I believe, the country is about to face an upheaval in the white-collar workforce that will rival how automation and overseas workers decimated blue collar jobs in the US manufacturing sector over the past 40+ years. Advances in AI are at the cusp of eliminating, what were once indispensable. white collar jobs. I would say that this technology is poised to sweep through offices across the country – except that most of the offices are already empty – thanks to the Work from Home (WFH) phenomenon. AI has the capability to replace low and mid-level employees that previously composed documents, created graphics, etc.. Bots don’t require health insurance, or Social Security, or MedicareAll said, I do not envy those students who took on sizable debt in exchange for a college degree. What was already daunting hole for many to climb out of is about to become all the more difficult. That doesn’t mean I’m in favor of a straight government bail out to pay off this debt; though I imagine government, in the future, will have to offer some kind of financial assist in exchange for public sector work.
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| 1,189 |
Read the full Mueller report. Read the Senate Intelligance Committee report ( under a Republican chair). Both make clear that there was coordination between the Trump campaign and Russia, likely through cut-outs of Wikileaks and Roger Stone, and that the Trump campaign welcomed the assistance of the Russians with open arms in the subversion of the election of 2016. We are still feeling the corrosion of our society and government from this attack, and the fifth column within our country that welcomed it.
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| 6,374 |
"At a Whole Foods in Manhattan on Wednesday, shelves were empty for the cheapest eggs — $3.39 for a carton of 12 large brown Grade A eggs."I haven't found eggs that cheap for over 3 months!!
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| 2,301 |
Let me start out by saying that I agree with you 100% that Bitcoin is the Tulip Bulb of the new millennium. There's truly no "there" there.Now let's examine three of your own statements:"You can’t buy groceries, or even a house, with gold ingots."C'mon Paul. You know as well as I that the Treasury held physical gold and that citizens used gold (and silver) CERTIFICATES for their day-to-day purchases. But that paper currency was redeemable for gold/silver on demand if the citizen so desired.Also the so-called "gold standard" as established by the original Coinage Act assigned values not only to gold but to silver and copper for lower-value transactions."And historically the purchasing power of gold has been highly unstable. Here’s a chart...since 1970"Let's see a chart of the purchasing power of the dollar since 1970. In 1970 a candy bar was a nickel, a stamp was eight cents and a gallon of gas was around a quarter. The purchasing power of the minimum wage was as high as it would ever be, despite being only $1.25/hour."its purchasing power has been far less predictable than that of the dollar"Well yeah, the purchasing power of the dollar has been a predictable straight line DOWNWARD.This is all thirty seconds of Google-foo away for everyone reading this.
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no
| 1,185 |
As I recall the Tea Party thwarted economic recovery extending the slow growth into 2014. Scalise, McCarthy, and Jordan were that rabble rousing faction. Tell me in all this time, what have they proposed to solve problems?UK tried austerity with the growth fairies never arriving. To this day UK, lags the US and Europe in growth. Republicans will try to sell it here to release the growth. Hah!Republicans under Trump passed tax cuts but only closed loopholes for individuals and never closed loopholes for businesses. Talk about having your cake and eating, too?With the Freedom caucus firmly in charge, the acceleration towards facism will occur degrading democracy. We will have more messaging of hate government by the very officials in government rather than legislation to fix the problems.
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yes
| 8,594 |
A He is the governor of one the most successful states. The one people have been flocking to fromDemocratic strongholds like New York, New Jersey, and Illinois. He got schools open early and was called a murderer for it. He is constantly under attack and his positions misrepresented in the media and yet his views are popular now in the state and I think the nation at large.
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yes
| 5,672 |
JimmySerious they were given a wedding thar cost $32 million, William was his best man and Charles walked her down the aisle. What part of that says non acceptance to you?
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yes
| 7,775 |
Jerad took a two billion dollar loan from the Saudi government. End of debate.
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yes
| 8,590 |
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