hardcandy

14 ms·

1.
by hardcandy 10y ago
Modern day Silicon Valley is built on somewhat of a gold rush mentality. Why do you think people move out here and put up with much of the locally curated insanity? Because they think they have a chance to strike it rich. Maybe even real
2.
by hardcandy 10y ago
I just priced out a (non ACA) catastrophic insurance policy with roughly the same deductible as my ACA plan. It came in at $75/mo versus the low $300/mo for what I pay for my ACA plan. I assume this reflects the fact that I am b
3.
by hardcandy 10y ago
The ACA provided over $2 billion in startup funds for about three dozen non-profit health care co-ops (new insurance companies) who were meant to provide competition, increased choice and lower prices for consumers. Almost all of these co-
4.
by hardcandy 10y ago
I've been self-employed for about a decade. Prior to ACA I had catastrophic insurance with IIRC about a $10k deductible for 25% of the ACA cost. But I was a healthy, non smoking male in my mid 20s (back then) with no pre-existing con
5.
by hardcandy 10y ago
As a self-employed developer I have an ACA plan and I can tell you first-hand it feels like a total fraud. I pay $300/month but also have a $6k deductible, which means the plan doesn't really pay for anything until I've alre
6.
by hardcandy 10y ago
Hasn't IQ been proven to be not just partly, but mostly genetic? Barring exposure to outright toxic environmental conditions.
7.
by hardcandy 10y ago
Don't give up hope unless you're really quite sure there is none to be had. My freshman college roommate was the most stereotypical shy, hover-parented, second generation Indian immigrant you could imagine. He worked hard to und
8.
by hardcandy 10y ago
One of the happiest days of my life was when I finally migrated 100+ personal domains away from GoDaddy over to Namecheap and was able to close my GoDaddy account forever.
9.
by hardcandy 10y ago
This applies to people who can and do continue to work. You just need an SSI status that isn't likely to be resolved within X period of time. I believe depression and anxiety disorders are the most common cause of lifetime disability
10.
by hardcandy 10y ago
You're missing the forest for the trees. What are ''the true costs of school''? Someone who loves to teach sitting in a classroom teaching. It can be dirt cheap or it can be very expensive. Supply and demand sor
11.
by hardcandy 10y ago
I think he meant a loan secured by property that the kids would otherwise expect to inherit free and clear.
12.
by hardcandy 10y ago
There is a growing theory that the majority of working middle class retirees will reverse mortgage their homes in retirement in order to supplement their cost of living (and pay inflated nursing home, health care, and end of life costs), le
13.
by hardcandy 10y ago
Either laundered foreign money continues to flow into the country and the bubble sustains itself, or the spigot is closed and there is a correction.
14.
by hardcandy 10y ago
The only thing the Chinese respect is constant execution. You have to out execute them every day and constantly beat them in the market, in order to achieve a position of strength from which you can structure the deals you want. Despite w
15.
by hardcandy 10y ago
''you dropped 150 grand on a fuckin' education you could have got for a dollar fifty in late charges at the public library!''
16.
by hardcandy 10y ago
There's another issue created when companies issue debt in order to fund share repurchases. It may seem to make financial sense rates are so low but it's created a huge amount of additional leverage throughout the corporate world
17.
by hardcandy 10y ago
From my friends in Australia (academic economists) I hear that China's impact on housing now exceeds the impact on any other sector. Australia has effectively become mainland China's money laundering hub.
18.
by hardcandy 10y ago
Australia is being fueled by huge external stimulus from China, which won't last forever. It's not the best example to use. Some of the mature European democracies provide much more useful data.
19.
by hardcandy 11y ago
This tends to invite geographical arbitrage (not necessarily a bad outcome). As indicated in the article, some firefighters enjoy the high salaries coupled with a (likely) very low COL 2+ hours away. You end up with smart, clever workers
20.
by hardcandy 11y ago
Keep in mind neither tech nor entertainment was ever California's main industry. It is and always has been real estate. Money from real estate flows down stream into MANY pockets.
21.
by hardcandy 11y ago
If you want to understand the impact that the 'war on drugs' has had on inner cities check out Homicide: A Year on the Killing Streets by David Simon ( http://fave.co/1p8kUh6 ) - an amazing read, and it's the b
22.
by hardcandy 11y ago
Las Vegas is an awesome option for remote workers who want to be close to SV. It's a short, <$100 flight to SFO or OAK. No state income taxes. Fantastic weather (dry desert heat with almost no humidity). Very cheap housing and o
23.
by hardcandy 11y ago
I know of 3 SD4/principal engineers at Amazon who are making $1m/year. I believe there are only about 150-200 engineers at this level in the entire company, so it's obviously a hard position to get. Anyone with experience b
24.
by hardcandy 11y ago
I don't know what you define as rich but if you can pull down $300k/year, keep your cost of living low, and save in a disciplined way, you will definitely retire with many millions of dollars in the bank. You will get rich slow,
25.
by hardcandy 11y ago
Since I am under 30 y/o I never really understood what AIDS meant to the generation that dealt with it head on. To me it was background noise of red ribbons, charity walks, and celebrity tributes on television. When I went to college
26.
by hardcandy 11y ago
Apropos of the title, Dennis Prager's ''Happiness Is a Serious Problem'' ( http://fave.co/1LPTkKH ) is the best book I read in 2015. It was published almost 20 years ago but I think it might be even
27.
by hardcandy 11y ago
Vancouver and cities like it became popular because of the critical mass of fun, interesting, creative, hard working young people who moved there and created communities. Once priced out, they will just go elsewhere. Other young people wi
28.
by hardcandy 11y ago
Do you realize that many hospitals and surgical specialties self-insure themselves? e.g. large groups of orthopods and neurosurgeons will get together and form a co-op with a few attorneys and operate as a self-insurance vehicle, because t
29.
by hardcandy 11y ago
Do you think we could maintain the current staffing level of nsx across the entire US with all their current responsibilities (level 1 trauma etc) if they averaged $200k/year each? How do you ask 2 or 3 surgeons to evenly share 24&#x2
30.
by hardcandy 11y ago
Malpractice insurance rates are not tied to malpractice award amounts? Unless rates were fixed by law and financially guaranteed by the Government, how on earth would that even be possible. Are you just a troll?

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