Retail, banking (loans), education, healthcare, energy, all very large portions of the average persons expenses.
849 karma · joined September 7, 2013
Retail, banking (loans), education, healthcare, energy, all very large portions of the average persons expenses.
Being a bad person doesn't have to be a requirement to succeed in corporate America, we've just made it that way.
For routine primary care like regular checkups or an appointment for some symptom bothering you, you absolutely are not under duress. You won't die because you took 5 minutes to choose a doctor on ZocDoc. With more transparency in costs of service, this could definitely become a market, ie "for $XX per month, get unlimited visits to our partner doctors' offices".
For emergency situations, surgeries, and things that require expensive ongoing care like cancer, you're correct in that you're under duress and can't really shop around. This is the market in which the usage of insurance makes sense, as it's a rare occurrence that would be catastrophic to pay for out of pocket for the majority of people.
I think we can do a great deal to lower cost of healthcare to Americans if we think of it in this two market approach, and handle each accordingly.
I get the feeling that when they say they're struggling to fill jobs, what they really mean is "our current employees are overworked, and it would be nice to hire more and eek out some productivity, but no one wants the salaries we're offering so oh well".
If their struggle to hire was truly affecting their ability to produce, they would quickly offer more money, just as tech companies do to attract engineers.
While Google and Facebook don't control a finite resource in the traditional sense, they do in the sense of mindshare, which is absolutely a finite resource.
I'd be willing to bet NIMBY antics are a large cause of this problem. SF metro area has the 4th highest rate of homeless people per capita, I have to imagine absurdly high rents is a part of it.
SF politicians don't want to admit this because of the donations/support they receive from NIMBY groups, but they are very clearly the cause of many problems in the bay area, whether its housing or slow transit expansion. It's especially ironic that such a "progressive" area would be so rife with elitism and gate keeping.
We need to focus more on teaching critical thinking in schools, it will lead to people who can call out bullshit way more reliably.
Companies will always chase the higher margin luxury market first before hitting the mid range and budget audience.
God is generally described as a being who is outside the plane of our existence, and created our existence.
It's intriguing to me that those who argue we're in a simulation have much less trouble having faith in that premise despite the difficulty in proving it being exactly the same as proving the existence of God.
If you think about it, the vast majority of the world which believes in a God essentially believes we're in a simulation.
On top of that, taxpayers will have to foot the bill by funding welfare to all these people whose labor is being exploited. Especially since they increasingly don't have the negotiating power of a union to make this idealistic vision you have of the job market fair to both sides.
Techies like to believe they're enlightened when they lean libertarian, when in reality all that amounts to is privatized gains, socialized losses.
At the end of the day, this country needs to decide whether the role of universities is to train students for career paths, or purely to provide higher education. It's very difficult to orient the structure around both without the incentive's being misaligned towards one of them.
So many cities would kill to be the center of such a fast growing and high paying industry, and they're squandering it because their old guard is a bunch of gate-keeping snobs.
Oh well. NYC, LA, Austin, and other cities will gladly grab the fruits of tech talent.
A subscription fee for a router that I still need to pay for, on top of the internet that I'm ALREADY paying for? Get outta here. How does it make any sense to charge subscription pricing for hardware that you have to pay upfront for?