dbjacobs

Location based pay for "in-person" jobs makes sense. You are trying to convince a person to live and work in a specific locale and the requires different amounts of money depending on the location. But for jobs which are fully remote, the pay should be the same regardless of where you live.

If a person wants to live in Thailand so they can save more of their paycheck vs living in NYC where they could enjoy city life, that is a tradeoff for the employee to make and the employer should not care.

FYI, the oft-quoted 4% figure was derived using a 30 year retirement time horizon [1]. Using longer time horizons will lower that number. [1] - https://financiallyfinanced.com/posts/will-bengen

If you took this to the extreme and added glyphs and rules for for each letter combination (e.g., aa, ab, ac, ad ...), that would probably get you something that looked pretty natural for text that didn't have repeated words too close to each other (since the same word will look identical).

Actually the CARES Act states loan forgiveness is not taxable (Act §1106(i)) [1], but also prevents businesses from then taking a deduction for expenses paid with the money (so no double benefit).

[1] - https://www.congress.gov/116/bills/hr748/BILLS-116hr748eas.p...

This is a great example of a union doing its job. Why should the TAs be the ones to get less when there is a budget problem. Why not hit the president's salary for the shortfall or any of the other many line items on the budget.

We constantly see people complaining about wealth inequality. Applauding unions for improving workers wages is one of the ways that it gets improved, one small step at a time.

I think its clear that Harvard's selection process is more about predicting (and admitting) those who will be successful than those who are most deserving (by some definition of deserving). This is how they increase their brand's value. I'm not sure how you realign an institutions incentive's to change this priority.

With a couple able to transfer over $22 mil without estate taxes. Not many people have that issue as the driving factor.

There are two different issues we don't want to conflate. Encrypted traffic is a problem because once you allow it, there is no way to police abuse of the spectrum (in the same way you can tunnel almost anything over ssh). If you allow encryption, then the ham spectrum just becomes an open free for all.

The second issue is proprietary protocols. If the goal is to support experimentation and emergencies then all protocols used should be non proprietary so that all who want can learn and be involved.

If you are going to look at participation rates, I find its best to look at the age, gender and race breakdowns to understand which changes are cyclical and which ones are driven more by demographics and cultural changes.

https://www.bls.gov/emp/tables/civilian-labor-force-particip...

For example, there have been huge upticks in 55+ labor participation rates and huge downtrend of teenager participation over the last 20 years.

By that logic, China which pays tariffs on some goods it sells in the US should be able to vote in US elections?

I'm not saying there aren't issues, but it is not anywhere close to a black and white one.

The good news, is that so far most states seem to be modeling their legislation after South Dakotas so hopefully there won't be a ton of rule variation.

The filing requirement is the real kicker. Until small business software like Quickbooks and Turbotax for business makes it trivial to file in every state. The compliance cost will be VERY high. In Hawaii for example, you have to file and pay your excise tax return every month. Multiple that by every state and you have a lot of work.

I suspect those companies that sell inexpensive items will probably restrict the number of states they sell to until the software support is there.

"Culture fit" is just too vague and only provides cover for discrimination. Internal discussions/documents should give the detailed reasons (is a jerk, not on time, not a rule follower, etc). If the people/company are uncomfortable with sharing that outside the company, you don't need to say anything more than we didn't choose you. The internal documents are your protection in the case of a law suit.

To be more precise. Among elderly Social Security beneficiaries, 23% of married couples and about 43% of unmarried persons rely on Social Security for 90% or more of their income [1].

[1] - https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf

If you are generating 5kw and using 4kw only 1kw gets sent to the grid. So you are not selling those 4kw at wholesale prices and buying it back at retail. Only the power that is time shifted gets this treatment.

You are free to buy batteries to do your own shifting. Also remember that wholesale costs typically just account for power generation, while retail costs also account for grid maintenance. An owner with solar is benefiting from grid maintenance, so it makes sense that they contribute.

Now from a societal perspective you may want to subsidize solar. But it certainly isn't "unfair" to buy power at wholesale and sell it at retail.

At the market level, stock returns only come from 4 things: dividend yield, real earnings growth, inflation, P/E expansion/contraction.

Looking at 10yr+ returns, the dividends and real earnings growth are likely to be relatively stable. The big wild card is P/E expansion/contraction. Dividend yield + real earnings growth gives us a baseline real return of around 3.6%.

A 30% PE contraction over the next 10 years would bring that return down to 0% and would still leave the PE at historically high levels. A return to historical valuation levels would mean a negative return in the neighbourhood of -3% annually.

Of course, it is also possible for PE to expand another 30% over the next decade causing stocks to deliver great returns.

Which scenario the world follows is more due to sentiment than economic performance which is why it is not predictable. Although there is certainly a probability bias towards the downside

With that said, valuation levels tell you a tremendous amount about risk levels, which are VERY high right now. Which might inform you to lower your stock exposure if you can't handle a large drop in pricing (either due to not being able to sleep at night or the effect it would have on your lifestyle).

"Discrimination to reach equal representation is unfair, divisive, and bad for business." -- is asserted as an absolute but never substantiated and was his downfall I believe.

If he had instead said that Google should focus on addressing these biases that hurt minorities and women and as they take affect and demonstrate their effectiveness allow the affirmative action style discrimination to be reduced. He would have gotten a much better reception.

If you do something like 3 ten hour days, that makes it much less likely that you will drift into working more than you signed up for. Ten hour days are already longer than the standard 8 (so less social pressure from leaving early or arriving late) and your days out of the office create a bright line that is easier to maintain.

This ignores just how skewed towards the rich stock ownership is. The liquidation of stocks owned by the middle class will not move the needles much. And the very rich don't need to liquidate their stocks to maintain their lifestyle.

Hawaii definitely needs an exemption from the Jones act. It is crazy that goods from Asia to Hawaii go through California because if the non US flagged ship stops in Hawaii, it can't continue to California.

As stated, statehood would not solve this part of the problem for Puerto Rico (i.e., they would need a Jones Act exemption as well).

This. I started my company post 35. It was much easier with less business risk because of all the experience I had accumulated by that point. But there was more personal risk because my kids and spouse were all dependent on my income.

The $5K is NOT inflation adjusted. The 4% rule assumes inflation adjustment. So you are not comparing the same thing.

Today, immediateannuities.com is quoting around $5300 for 65yr old woman and $5665 for a 65yr old man for a $1 mil purchase.

Hawaii funds all of its public schools at the state level (i.e., not through property tax). And there are still differences between the more affluent and poorer neighborhoods. More affluent neighborhoods can fundraise more effectively and the students tend to have more stable households.

The other effect, is that for high school, almost everyone who can afford it, sends their kids to private school. This is because at the high school level, many of the smaller school districts are combined mixing different socioeconomic groups.

Here is my IANAL understanding. If multiple people own a property all it takes is one person who wants to sell and they can force a partition sale.

So my guess is Zuckerberg is using the quiet title suit to get the names of all the players. He then just needs to get enough of the fractional owners of each property on board and he can then pay the legal fees to help them with their partition actions and then purchase the properties and clear his title.

Was a programmer and researcher in AI and security for 20 years. 15 years ago was feeling burned out and started looking for a financial planner for my family. I fell down the rabbit hole learning everything about the field and with the birth of my third child 14 years ago, I quit my job and opened my own business as a financial planner.

Programming and computer research went back to being a pure passion. And I haven't looked back since.

Many people seem to be saying don't get married because divorce is horrible. I believe that is the wrong focus. The horribleness comes from cleaving a long term relationship where your lives have become intertwined regardless of marital status.

Without marriage, you still have child support, you still have to divide any joint assets and one or both sides will feel betrayed and taken advantage of. The main difference is when you are not married the division is governed by contract law rather than divorce law. Contract law will often leave the lower power/ lower earning spouse in MUCH worse shape.

Historically that has been women (which is why they would push for marriage). But I see a reversing trend in my wife's family law practice where it is becoming more common for women to hold more power and income and are complaining just like the men used to about divorce outcomes.

Given "uses absolute income thresholds adjusted for inflation", the result is not surprising. You would expect this result as long as you had real GDP growth (i.e., growth above inflation).

What this doesn't tell you is what percentage of that real GDP growth did the middle class get to participate in. And this is where the growing economic disparity is coming from.

Just to add some fact. According to Yale's financial statement [1], their operating expenses in 2015 was around $3.2 billion. So tuition doesn't come close to covering their operating costs. And it looks like they typically spend around 5% of their endowment (the spending level most foundations target because that is the minimum a foundation must spend to maintain their status).

[1] http://finance.yale.edu/sites/default/files/2014-2015%20Annu...

Agreed. 57% are women caretakers [1]. So while it is a majority. I would not label it a purely women's issue.

[1] http://www.bls.gov/news.release/elcare.nr0.htm

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