He could probably submit her for layoff but it’s unlikely HR will approve. They typically have special DEI quotas that they can’t breach. As for reviews that probably doesn’t matter

I think it’s set by law. Congress would have to override it

Socialized losses. It fixes the liquidity problem because these banks deposits are 100% guaranteed but does nothing to fix the solvency problem that’s going to pop up eventually. There are a bunch of banks that are now effectively insolvent with no mechanism to force a liquidation. Moral hazard 2.0. Also everyone now pays more for insurance on fdic not doing their job.

Zero contagion

Looks like there might be more than one turd in the the punch bowl.

What are you competing for, there are like 0 good deals this year. Lowest prices were in June/august. Really sad sales in general

I agree I just think they optimal point of that is almost in power but not quite powerful enough to be accountable . That’s the maximum cash extraction points for them. If they were fully in power the base would expect laws to get passed and things to further their interests. In this stalemate they can ask for more money because they are so close, but then deliver nothing in return.

If democrats actually wanted to win they would do that, im not convinced they do. The ideal win is like it is right now, loose one chamber have the president accomplish nothing but collect lots of donations while waving your hands and taking loudly

If democrats actually wanted to win they would do that, im not convinced they do. The ideal win is like it is right now, loose one chamber have the president accomplish nothing but collect lots of donations while waving your hands and taking loudly

I really think he’s got some mental illness. Like bipolar or something

I mean you pay the bare minimum that you can or you find some way to show your customer value in the fact that you can hire significantly better talent for 25 than I can for 13. Business leaders (professional management class not small biz owners) are Penny wise and dollar foolish so more often then not my shitty 13 dollar high school drop outs look equivalent to your 25$ professionals.

In your example I’ll undercut you with people that get paid 5$ a day in India because that’s business. That’s how we ended up in the shitty support situation we’re in today,

A lot more businesses could afford to pay their employees 25 an hour as long as all their competitors had to pay the same thing. You can’t really pay folks 25 when your competitors are paying 13, or when UW outsources to India and can cut costs that way.

Always use the bypass plugin, if you want to actually pay use a privacy or other virtual card

Couldn’t have picked a better time to sell

Is that enough to do away with Florida?

In think maybe I’m calculating IBR wrong because under the new formulation I would get way less.

Assumed:

76k a year salary with 52k loan

76k-32k (250% poverty line) = 44k ibr value

44k*.05/12=183$ a month.

So slightly less than the interest on the loan. And that’s assuming that you didn’t bake in all your housing and other expenses into the loan to get it up well over 100k since ibr has you capped at 180/month

Yeah I don’t agree with his numbers at all. If the graduate makes 150k a year that not really a problem like you just pointed out.

Where I see the bad actor problem the university not the student. By running the income based repayment down to 5% from 10% almost +250% poverty line exemption everyone is better off doing income based repayment. That’s good for the student but it completely removes any price sensitivity because even at a state school you basically cap out your income based . Now there really isn’t any difference between getting the 100k loan or the 400k loan. It’s income based repayment for the next 20 years for everyone

. Of course in practice the 400k loan will balloon to something like 1m and when it gets forgiven it will get taxes at 35% making it almost a balloon loan so the student still loses but scammy university isn’t going to tell people that they will have gotten paid long ago. They will just Jack up their prices advertise income based repayment and take in the profits shifting costs to taxpayers.

The republican concept of “moral hazard” is a real problem it just doesn’t really apply to individual people like republicans say it does. Corporate entities do suffer from moral hazard, as soon as a loophole opens up they rush to exploit it and this is one big loophole

Essentially student loans will all go to income based repayment. That completely removes the caps for tuition fees and allows all sorts of bad behavior to occur similar to whats happening right now in the medical field except worse because the tax payer will cover the short fall.

Long term this probably does not matter because executive orders only last as long as the president remains in office, but its going to create some perverse incentives for universities to trap students in even more extreme debt.

Idk how large the amount is probably not any worse than renewing 7k credits to Tesla buyers. There are a lot of folks with debt though and they only build some tiny number of Teslas. That money is all going to go right into circulation though instead of pumping equities or real estate though.

Yes but since the debt was to the government the result is an net increase of spendable dollars chasing fixed quantity of goods. Hence inflation equivalent to the amount of debt service being paid (not the lump sum).

It is extra money 6% (actual rate might be higher) of 10k is 600 annually or about the same as the stimulus check. There is a bit of an assumption that the amount was being paid which in some cases it wasn’t but it’s real money that will go buy groceries, gas or Nikes or PlayStations. It does contribute to inflation as before it was money that was being pulled out of the economy and now it’s available to spend.

Inflation is caused by for the most part having more money chasing a fixed number of goods. This will increase the amount of money just not by an immediate 10k but a percentage of it. There is no free lunch.

Yeah and that would be a good idea in another year or 2 when we’re in there middle of a depression/recession and we need a bunch extra money to jump start the economic activity. But right now with real inflation somewhere in the teens and official only 8% the extra money isn’t going to help with the inflation at all.

Optical measurement might be the way to go at that scale. Most of the items you are measuring are going to be flatish

Nobody truly owns electric cars. For 50-70k you get a License to access their ecosystem complete with garbage software and lots of bugs. The manufacturers can ota upgrade your car to be a brick at any time they feel like you should upgrade. It’s truly the worst of both worlds, ownership costs without ownership rights.

I hear car crashed and drained it’s 12v battery so and it needs to go to the service depot for a software reload is also a common ev problem. I’ve never had any of my gauges fail but my Tesla owning coworker has only had it happen around once a month. He loves it though and so do the mice that are eating his wiring

If you use spot rate metering for evs it will be fine for quite a while they can charge at night. If you screw it up and allow people to charge right as they get home you will have problems. Luckily states can force manufacturers to push all sorts of updates over the air for evs.

R12 runs at lower pressures so it’s easier to design Around. If you get a post 134a fridge though then you are in real trouble since the new stuff hasn’t been around long enough for designers to know the common issues and design considerations.

The economic outcomes are primarily tired to sanction that Germany could pull out of. The war isn’t going to end anytime soon but they could ease up sanctions and open up the second gas pipeline whenever they feel like it.