tomkarlo

15 ms·

91.
by tomkarlo 9y ago
Have you ever actually tried to "shop around" for a serious, non-elective procedure like chemo or surgery? It's very difficult to get quotes, you can't easily compare providers (there's no obviously corpus of "
92.
by tomkarlo 9y ago
I have a high-deductible plan, and have had one for ~7 years now. It doesn't really change my decision process that much, honestly. Especially when I'm considering a procedure that my doctor has told me I need, but I don't kn
93.
by tomkarlo 9y ago
It's definitely a problem that pricing is opaque and disconnected, but have you considered that maybe healthcare isn't a good candidate for a market solution? Even without this problem, customers have relatively little ability to
94.
by tomkarlo 9y ago
Having an simple / easy-to-remember password on your Twitter account is a bad idea if you're a state governor. Or really, anyone. The right answer here is, use a complex password (that you likely won't remember), and/or
95.
by tomkarlo 9y ago
Depends how you define "cost productive". Cheaper on a cash basis, but that ignores the (not insignificant) externalities of doing that, such as landfill remediation down the road, and increased cost of transporting other trash to
96.
by tomkarlo 9y ago
You can get custom sized flannels too, I'm wearing one right now. Just have to look around or pay more but it's worth it if you're a fringe size. (I'm tall.) I get mine from Trumaker.
97.
by tomkarlo 9y ago
Even if they made an entirely rational calculation of the risk and the expected costs, they likely wouldn't have anticipated an increase in highway speed limits. Whatever failure rate you assume would likely be tied to whatever typical
98.
by tomkarlo 9y ago
Goodyear was selling them directly to RV manufacturers as the OEM tire for popular models. It's hard to believe they either didn't know they were going to be used on RVs, or did but were upfront about the risks.
99.
by tomkarlo 9y ago
In the bond market (especially cat bonds, which insure against long tail risks like earthquakes), they have a phrase for this: "YBGIBG". It means, "you'll be gone, I'll be gone."
100.
by tomkarlo 9y ago
You can't base recycling decisions only on what's "cost effective" while not considering revising the fees people pay to dispose of household. Generating trash isn't supposed to be inherently costless, and it really
101.
by tomkarlo 9y ago
The problem is you don't pay for someone to separate your recyclables. If we were all charged for the garbage we generate, and also for how expensive it was to process, then it'd be fine. But in most cases, consumers in the US d
102.
by tomkarlo 9y ago
Men's button down shirts are generally sized in 3 dimensions - collar, sleeve and fit (slim / normal)... which is more axes than most clothing items. If you're only seeing a handful of sizes, find a different brand.
103.
by tomkarlo 9y ago
What if they can't make a profit? It's a particularly American approach to recycling to assume that the onus on sorting / separating should not fall on the individual generating the trash. Other countries don't take this
104.
by tomkarlo 9y ago
If you choose a broad enough definition of betting, everything is gambling. But to be more specific, the post I replied to stated that everyone who invests in stocks is betting that their price will go up, which isn't true. There'
105.
by tomkarlo 9y ago
Gambling and investing both involve risk, but they're not the same thing, and there's important differences. In particular, in most gambling, the sum of returns to participants is less than the amount wagered by all parties, whe
106.
by tomkarlo 9y ago
At the end of the day, on even these stocks, the value is still predicated upon either those assets being sold and the value being distributed, or those incomes turning into a dividend or liquidation value. A business that reinvests its inc
107.
by tomkarlo 9y ago
The problem with giving advance notice is the impact would just be felt at the time of the notice (bc smart traders will just determine the adjustment immediately.) I think the suggestion above to make the change immediate, but re-calc the
108.
by tomkarlo 9y ago
Not necessarily, and not in the long term. You can buy stocks with no expectation they will increase in value (or even maintain value) if the dividend yield is high enough. And stocks have value because of this - the assumption in any stock
109.
by tomkarlo 9y ago
There's lots of evidence it's overvalued (e.g. price vs. utility), and some evidence as well that it's undervalued (most the argument for future value as more people use it). It's not a matter of lack of evidence, it&#x2
110.
by tomkarlo 9y ago
"Single dollars" is still a nosebleed-high fee for a simple electronic value transfer. Consider that pricing on something like an ach transfer is quoted in fractions of a percent (so like 75 cents for $100 USD sent - and caps out
111.
by tomkarlo 9y ago
That's true of a lot of large cities in that age group - as you start families, you tend to start to value cheap housing (for more space) and good schools more than you do when you're single. I remember a stat that said if you mov
112.
by tomkarlo 9y ago
Not generally, because there's no promise of any future utility or increase in demand, at least by the manufacturer. People buy them because they hope they'll appreciate in value, but that just makes them the subject of speculat
113.
by tomkarlo 9y ago
If you're shorting, you get the $ up front and have to supply the security when you "cover". Not having to "cover" the short would actually be better.
114.
by tomkarlo 9y ago
Because there's fundamental value behind most traditional securities, even if it's well below the current market price. If you hold a bond, it will (usually) pay interest and principal. Equities carry the value of the cash holding
115.
by tomkarlo 9y ago
Sorry, no. Nobody thinks of you as a millionaire if you have 700K in assets. Just not what it means. Need that third comma...
116.
by tomkarlo 9y ago
The concept of "alpha" leaders, especially as derived from wolf pack behavior, has been largely debunked. It was based on faulty research.
117.
by tomkarlo 9y ago
Sorry. The link was to support the first sentence (and my main point) which is to refute the parent post's statement that "they are not attracting talent and or companies' which create the demand". Brisbane is planning t
118.
by tomkarlo 9y ago
It's not as if human drivers do, either. The closest we've come is Waze, which would a trivial data set for an autonomous car to both utilize and supplement.
119.
by tomkarlo 9y ago
Bloomberg is targeting this at their reader base (general investors), who may or may not be up to speed on the latest ICO discussion, or aware of any of these issues. News reports targeted at the broader market are always going to seem obvi
120.
by tomkarlo 9y ago
Vet practice management software (Saas) is a pretty competitive field already. If you think about it, if someone has built a platform for traditional MD / GP practices, it's fairly trivial to turn around and also offer it to vets.

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