tomkarlo

16 ms·

61.
by tomkarlo 9y ago
Casinos (and lotteries) are subject to heavy regulation, including oversight on the odds of the games they offer. The problem with back-end enforcement (and those laws do exist) is that it doesn't remove the incentive to try issuing a
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by tomkarlo 9y ago
Some roles (ops, sales) are just naturally a lot more inclined to use these kinds of systems. I generalize like that after having watched similar systems at 3 companies; you hardly ever see an engineer give a "taco" for a code rev
63.
by tomkarlo 9y ago
We use something like this in my org, and Google has "kudos", but I've found that the problem is their usage is highly variable even within a medium-sized or (we're roughly 1,000.) On some teams, the average employee w
64.
by tomkarlo 9y ago
The article's clear, but the headline is misleading, since it's not actually true that "California is losing residents" as an broad statement - it's more narrowly true that CA is seeing more people move to other US
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by tomkarlo 9y ago
If that customer exists - they sound like a great customer. $75 a month might be too expensive for your needs, but it's certainly not a ton of money if someone believes that product is the right fit for them.
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by tomkarlo 9y ago
Seems like they're pretty up front about that, right on their home page: "Online backups for the truly paranoid." We can argue about whether that really differentiates them from GCP etc, but that's their spin.
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by tomkarlo 9y ago
That doesn't mean it's the wrong pricing, just that you're maybe not the customer they want. A business loses some customers at any pricing level, it's just a question of whether the incremental revenue from the remain
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by tomkarlo 9y ago
The article seems to ignore a big group: California nets about 100K or more immigrants from outside the US each year, which would cover the gap in recent year. http://www.ppic.org/publication/immigrants-in-california&#x
69.
by tomkarlo 9y ago
It's been almost 20 years since Pete Wilson was governor. In the meantime, the GOP has moved quite a bit to the right, and CA as a whole has moved left on most issues. If anything, it looks like the remaining red districts in places li
70.
by tomkarlo 9y ago
Given the share of SP500 profits that the Google/FB/Apple/Amazon gang currently capture, it's hard to describe it as a "bubble". Maybe "corporate hegemony"... but the situation is SF/SJ at this p
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by tomkarlo 9y ago
Yes, but that's not a "risk factor"... generally in an issuance document, the big pressure is to disclose all the material negatives of your business that you're aware of, partially so that down the road the SEC or your
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by tomkarlo 9y ago
I'd love to see your stats you're using to set that outcome's likelihood at "very high", relative to the probability of being able to save enough for retirement based on simply being a saver. The entire problem is t
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by tomkarlo 9y ago
It's one thing to do it for 6 months with a newborn that can't leave their crib (although even that's challenging). It's another to do it with one or two kids that have learned to walk.
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by tomkarlo 9y ago
Even over a lifetime of trying, the probability remains pretty low. This is why articles like this emphasize that the more realistic was is via savings; lots of folks fail to save because they believe they're going to "hit it big&
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by tomkarlo 9y ago
That's easy, if you're single. But "renting just a room" isn't really an option for couples, or families. That said, if you're moving to the Bay Area for a job, you need to take into account that six figures he
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by tomkarlo 9y ago
You have to account for the expected value of those two approaches. The payout on your strategy (generate a lot of value for a lot of people) is high, but the probability of success is very low. (And the payout is usually tied to the stock
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by tomkarlo 9y ago
The price the insurance company pays is almost never going to be higher than what you would pay if you're uninsured. You're confusing your co-pay with the uninsured cost of a flu shot. If Sam's Club and Costco can offer flu s
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by tomkarlo 9y ago
It's not deceptive - there's no commitment or understanding that the only thing he's doing when out of sight is work on your car. (And they don't bill based on how long they're gone - they bill based on how long the
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by tomkarlo 9y ago
Let's consider the flu. Before you choose your provider you don't even know you have the flu in many cases. You might have a cold, or something much more serious. How is a consumer supposed to make an educated choice about what
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by tomkarlo 9y ago
Funny, it happens that I actually tried to go to the local urgent care that day, and I was turned away because they couldn't handle an injury that serious. Even if they did, I made my decision based on which provider I thought was doin
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by tomkarlo 9y ago
You're confusing emergency care with non-elective care. Just because something isn't an ER visit doesn't mean you don't need to get treated for it immediately. E.g. the flu. > I'd be interested in any citations y
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by tomkarlo 9y ago
Let's say I was paying out of pocket. (Given my HDHP, I effectively was.) Would that somehow magically change my ability to negotiate the price of those pills? No. It's not a "distortion". It's the inherent problem
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by tomkarlo 9y ago
It's not very hard to define "worse outcomes"... the US trails other developed nations in just about every wide-reaching healthcare metric at this point. If you have counter-examples, feel free to raise them. > In other wo
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by tomkarlo 9y ago
What are you going to do, pre-negotiate rates for every possible medical procedure you might ever need? Because if you wait until you need it, it's going to be a pretty bad time to negotiate.
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by tomkarlo 9y ago
The market for auto repair is also regularly cited as one of the more scammy, consumer-unfriendly experiences around - because consumers have a very difficult time assessing quality of service, and incremental charges often pop up mid-purch
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by tomkarlo 9y ago
Can you point to an example where any of these three things have happened in the real world? "Still providing disaster coverage"... is pretty much all of what health insurance does for people over 65. The annual spend on preventat
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by tomkarlo 9y ago
>Define "how much something costs?" I can pull up the spec sheet from my insurance company and tell you the in network price and out of network price for just about anything. Except if you go in for a major procedure, you don&
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by tomkarlo 9y ago
Supplements are explicitly not considered "health care" in the US Countries with single payer also offer eye drops, family doctor visits, and LASIK... they just tend to pay less for them You don't need "government force&
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by tomkarlo 9y ago
And yet the data shows that when you leave the decision to regulators and bureaucrats, you seem to get better value for the healthcare dollar than if you let individuals make their own decisions. The US, in particular, spends more and sees
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by tomkarlo 9y ago
Cars have the nice property of being mass-produced goods, where there's an established mechanism for testing, rating, and regulating them. There's no such thing for healthcare (and it's a service, not a hard good.) If I was q

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