learc83

79 ms·

811.
by learc83 7y ago
>Hence my point we need much less regulation so that middle class people can afford to live in California Middle class people can afford to live in plenty of California, just not in certain places like the bay area. The problems with hou
812.
by learc83 7y ago
The word "virtue signaling" is a loaded phrase that appeals to the "virtues" of right wing and libertarian minded people. It signals that you are against what progressives find virtuous.
813.
by learc83 7y ago
It was, but just like with airbnb and renting out your house when you were on vacation, there's not enough supply to support an industry that will supply the enormous returns VCs are looking for. So eventually ride sharing started cour
814.
by learc83 7y ago
The problem is that unlike a blood test, neural networks are not transparent at all. So when an imaging test comes back with "possible malignancy" with red circle around the highlighted area, a GP doesn't have the experience
815.
by learc83 7y ago
A small stirling engine would be easier and safer than a steam setup.
816.
by learc83 7y ago
Technicans perform blood tests but doctors are the ones that interpret the results.
817.
by learc83 7y ago
>"Degree inflation" didn't happen last year, it was a slow process. So you think we're going to get to a point in 10 years where 10% of the population has a phd? >I've seen plenty of programming jobs with &quo
818.
by learc83 7y ago
>They're covering a stipend at $24,816, tuition at up to 16k, "training-related expenses" at $4200 and an institutional allowance of another $4200. There are undoubtedly other sources of money too (center grants, etc). I g
819.
by learc83 7y ago
So phds are the new bachelor's degree in comparison to the old bachelors degrees of nearly 100 years ago when more than 2x the rate of people had bachelors who now have phds, not in comparison to the old bachelors degrees of 50 year
820.
by learc83 7y ago
What percentage are funded through NIH training grants? Also I could definitely be wrong, but from a quick Google search it looks like NIH training grants limit tuition to $16k per year.
821.
by learc83 7y ago
2% of people in the US have doctorates. In the 60s around 13% of men had a 4 year degrees (it was lower for women, but fewer women were working).
822.
by learc83 7y ago
>30-40k for tuition, which comes out to hundreds of thousands of dollars per grad student Are there schools where tax money is actually paying tuition though, as opposed to the school just waiving tuition? > Can’t join the marines aft
823.
by learc83 7y ago
Loans aren't federally guaranteed anymore. They are made directly by the government.
824.
by learc83 7y ago
Nope. Income based repayment is available for all federal student loans. There's a limit of $30k for dependent students and $60k fo independent students. For direct federal undergrad loans in general, not for income based repayment.
825.
by learc83 7y ago
The $40k I had to pay back wasn't a burden to me at all because I went to a state school and took public loans. I had the option of an income based repayment plan too, so if I wanted to take a low paying jobs my monthly payment would h
826.
by learc83 7y ago
Most people are never going to be able to access the equity unless they retire and downsize. And people end up in situations where they can't make payments and have to walk away and take the credit hit all the time. Worrying about the
827.
by learc83 7y ago
Or wait 20 years until it's cancelled. People regularly take out 30 year home loans much larger than the average student loan debt without debilitating psychiatric problems.
828.
by learc83 7y ago
You'll never owe more than 10% of income over 1.5x the federal poverty rate though assuming you don't get private loans (90% of loan disbursements are public).
829.
by learc83 7y ago
Public student loans have income based repayment. Assuming you go to a state school and don't live on campus, the debt isn't a big deal. And if you get into very top tier private school, the networking alone is definitely worth it
830.
by learc83 7y ago
Low tier college should be about $10k a year and that's assumimg you don't do 2 years a community college. You shouldn't live on campus if you're price sensitive. And you cant include room and board in your calculations
831.
by learc83 7y ago
It's not mortality you should worry about, but life altering injury. My stepdad, my next door neighbor, and 3 of my friends all have some kind of long term chronic injury caused by military service. In fact I only know 1 guy well who&#
832.
by learc83 7y ago
That's complete bullshit. I've known plenty of plumbers, I've never met one who had almost $1 million saved up by 33--which is the example they are using. Sure some small percentage of plumbers might make $90k after 5 years a
833.
by learc83 7y ago
>As opposed to people who don't have mountains of student debt, and can then afford to take lower-paying, better-for-their-life jobs With income based repayment, you pay 10% of your disposable income (income over 1.5x the poverty ra
834.
by learc83 7y ago
A billionaire with no regulations could probably afford to hire enough protection to guard against anything but an attack by a state actor. In any case, that's yet another reason we shouldn't allow American citizens to set up thei
835.
by learc83 7y ago
Sure if your asking yourself "how much money should I ask for?" or "how much money can I make if I do x?". Not if you're reflecting on how you spent the last 10 years.
836.
by learc83 7y ago
Look into the slave labor situation in the Middle East for an example of how people are lured into a voluntary working situation that quickly becomes slavery. Desperate people make poor choices mostly because of information asymmetry. In ad
837.
by learc83 7y ago
Nothing unless it's close to somewhere strategically important to the US. But I'm not sure I see your point.
838.
by learc83 7y ago
>many cities have regulations against shooting off fireworks due to safety concerns. Few rural counties do, because while people can still harm themselves, there aren't too many others nearby to injure. Many rural counties have them
839.
by learc83 7y ago
A few house plants have no meaningful impact on CO2 levels in an occupies room.
840.
by learc83 7y ago
School is nothing at all like work. Not even close. Do you remember what school was like? The social dynamics are unrecognizably different. The only place that was even remotely similar was when I worked retail during college.

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