b9a2cab5

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by b9a2cab5 5y ago
Sounds like you screwed up. Current private student loan rates are on the order of 3-5%. Refi's are less than that. And that's ignoring the newfangled stuff like ISAs where there aren't even any loans to begin with.
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by b9a2cab5 5y ago
> I don't want people choosing art history over CS [because of price] This reasoning right here is why people are stuck in $100k student loans with useless degrees. Sometimes it is more useful for society as a whole to have fewer ar
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by b9a2cab5 5y ago
If you follow Ray Dalio, he hypothesizes a lot of what we're seeing is due to decadence. Specifically, newer generations expect a high living standard but are not actually as rich as prior generations to support that living standard. A
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by b9a2cab5 5y ago
Instead they invest in scientific R&D in areas they care about (i.e. anti-aging, Alzheimer's research, long-shot AI, space, etc) Arguably this is better for humanity than building another museum that's going to decay 50 years
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by b9a2cab5 5y ago
If you're going to make an argument for why we should tax companies like Amazon more, you need to also make an argument for why that money wouldn't otherwise be better used by Amazon compared to the government. In my opinion anyth
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by b9a2cab5 5y ago
The post office is increasingly losing business to low cost shippers and high margin business to same-day delivery tech startups. Not only that, their trucks are older than some drivers and the contract to replace them was filled with gover
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by b9a2cab5 5y ago
Perhaps you should remove your political colored glasses and consider things objectively. A company can be both remarkable in its achievements and have committed labor abuses. > doesn't pay taxes Yes, that's what R&D invest
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by b9a2cab5 5y ago
The most potent competitor to Starbucks (Luckin' Coffee) took a huge hit due to accounting scandals just recently. More generally Starbucks in China is considered a luxury brand (not what it is in the US). Anything manufacturing relate
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by b9a2cab5 5y ago
You make fat profits in normal years and potentially lose out catastrophically during Great Recesssion-like events. Lots of lenders straight up went bankrupt due to defaults. Of course since the government made it so you can't discharg
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by b9a2cab5 5y ago
You don't need to be in the top 10%, you just need to be likely to be able to repay your loans. Government subsidizes home loans, student loans, and small business loans to the tune of hundreds of billions of dollars a year through the
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by b9a2cab5 5y ago
Good IT and engineering staff is a lot more expensive than even a fine for 10% of your annual revenue. Hiring a single good security engineer might cost 400k or more. Good luck getting your insurance company that pays $100k to senior engine
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by b9a2cab5 5y ago
Being able to see exactly which columns are partitioned on so I know whether my query is going to be efficient or require full scan+materialization. I understand from your link Snowflake has clustering keys but it seems like this only &quot
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by b9a2cab5 5y ago
Intel has stopped disclosing a lot of details on their newer products, probably because they're no longer far and away the market leader. I think if AWS ever develops a 4-5 year lead over everyone else we'll see similar disclosure
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by b9a2cab5 5y ago
Unfortunately those claims don't translate to servers, because the IO die's power usage increased and perf/w isn't much better [1]. Do the math and you get around 14% gain in SPEC MT workloads. [1]: https://ww
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by b9a2cab5 5y ago
You can buy Ampere Arm CPUs that are based on the same core as AWS Graviton2. And in general mobile CPUs are a generation ahead of server architecturally.
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by b9a2cab5 5y ago
On a per thread basis - yes. On a per dollar basis on AWS - no. Per instance basis - depends a lot.
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by b9a2cab5 5y ago
I've had terrible experiences with Snowflake "automatic" optimizations. You have zero visibility or control over partitioning, join strategy, or anything else compared to Spark/Databricks.
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by b9a2cab5 5y ago
You are free to tip until they make whatever you consider a sufficient wage. "We" should start with "you".
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by b9a2cab5 5y ago
I hope you realize this is already the case. Property taxes are voted on locally and go to pay for local schools and there is vehement opposition towards redistributing funding for schools state wide. People move to certain cities where sch
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by b9a2cab5 5y ago
I've tried it and half the time it's like "god damn this is the future" and the other half it's just repeating garbage in a syntactically correct way. It does particularly poorly for unstructured tasks like writing
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by b9a2cab5 5y ago
Last 3 categories can afford it if they get a job. Single payer proponents claim on the order of 10x cost savings compared to the status quo. Presumably insurance costs wouldn't exceed $200/mo under single payer. Amazon pays $15&#
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by b9a2cab5 5y ago
Medicine is an entirely different problem. Salaries for doctors in the UK and Europe are much lower in part because the AMA limits the number of residencies and thereby the supply of new doctors in the U.S. That's de facto a monopoly.
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by b9a2cab5 5y ago
Socialized healthcare might be much more amenable if it were single-payer but without subsidies. You pay for insurance just like you do now, except there's only 1 provider and it's the government. The primary benefit most M4A peop
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by b9a2cab5 5y ago
Plenty of places in the Midwest/South if you're a tradesman. Obviously a McDonald's worker or Starbucks barista is probably not going to be able to afford a mortgage.
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by b9a2cab5 5y ago
> You may find that some of us on the left are trying to call out this bullshit too You should take a look at this video by John Oliver [1]. I find it hilarious how 9 years and 2 presidents later it is still relevant. You refuse to admit
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by b9a2cab5 5y ago
It's ultimately a result of increasing returns to scale from technology. If the top 1% of every class gets you marginally better competitiveness in the market as a firm and you can feasibly capture 100% of the market (or a large majori
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by b9a2cab5 5y ago
Asset prices are merely a function of discounted future cash flows. As interest rates are lower, the discount on future cash flows decreases. The world is also much more stable than it was in the 1950s-1980s - look at the state of Asia now
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by b9a2cab5 5y ago
It only happens when there is not robust competition (even 5-6 big players is not enough), which is the case in pretty much every non-commodity market today.
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by b9a2cab5 5y ago
You may be doing fine, but objective measures of the average salary of humanities majors at schools like UCB say otherwise. Most of the PMs I know have either business or STEM degrees.
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by b9a2cab5 5y ago
If you aren't willing to put in the effort for a multiple choice (easy) exam, you are failing any STEM college degree (the only ones that give you a chance at making it out of the poorhouse), straight up. Compared to the SAT intro calc

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