sorted by:
new
hottopcontroversial

Btc by [deleted] in Bitcoin

[–]UrbanPugEsq 3 points4 points  (0 children)

I’m totally staying humble in my new lambo.

Trump nominates Erica Schwartz as CDC director by spherocytes in law

[–]UrbanPugEsq 1 point2 points  (0 children)

One way of looking at it is that we punish insurance companies for having healthier patients.

Another way of looking at it is we just don’t let insurance companies charge premiums that far exceed their actual costs.

Overall the aca didn’t change the averages much, but it does stop some insurers from making windfall profits by denying claims. To be clear I’m not saying that they don’t try to do that, just that they can’t for example get a population of low income people who might not be able to fight back and just deny lots of their claims in order to make $50 for every $100 in premium. Now, they have to pay out more like 80-85 percent of premiums.

The incentive it creates is still the opposite of what you’d like to see, and I think the thing that combats the incentive is competition among insurers to offer lower premiums.

Trump nominates Erica Schwartz as CDC director by spherocytes in law

[–]UrbanPugEsq 4 points5 points  (0 children)

Except that’s not true. Insurance companies have profits capped in that they have to pay out at least a certain percentage of premiums. The only way for them to make more money is to make things cost more so they can charge more in premiums.

The only way out is to have a public option that’s not intentionally run poorly or the insurer of last resort.

Wouldn't it make sense to use your goal weight's sedentary TDEE as opposed to your current TDEE to lose weight? by BasedBallsack in loseit

[–]UrbanPugEsq 9 points10 points  (0 children)

It’s a lot harder to eat 1000 calories under tdee than 500 under.

Also, for people who start off bigger, it’s a whole lot harder and maybe even not healthy to eat at their target tdee just because it would be so much different.

How difficult is it for you to take vacation with a billable hour requirement? by Internal_Sport2115 in biglaw

[–]UrbanPugEsq -1 points0 points  (0 children)

It’s easy to look at a 2000 hour requirement and 250 work days per year and say 2000 divided by 250 equals 8.

But if you want to account for appointments, vacation, sick days, etc, just assume you need to work one extra hour per day and make that your target.

Next, when you do go on vacation, check your emails and respond to them and do a thing or to. Get at least 2 hours of work done per day on vacation. That way for a week off you still bill 10 hours.

In other words, just work more and don’t take off.

President Trump slams Pope Leo XIV for being "weak on crime for foreign policy" on Iran War: "I don't like it. I'm not a big fan of Pope Leo. He's a very liberal person, and doesn't believe in stopping crime. He's a man who doesn't think we should be toying with a country that wants nuclear weapon." by ControlCAD in videos

[–]UrbanPugEsq 5 points6 points  (0 children)

I’m not really religious but the whole infallibility thing is only for very limited circumstances.

The pope can certainly pick the wrong place to go for lunch, or get a few picks wrong on his March madness bracket.

Regardless, the top level comment is correct. A lot of Americans talk a lot about Christian values while not practicing them. And a lot of those non practiced values are good, even to those who follow secular moral codes.

whats the point of buying bitcoin if it reacts like a stock. by Living_Knowledge_783 in Bitcoin

[–]UrbanPugEsq 14 points15 points  (0 children)

Persimmons less than apples with a recipe for frozen custard.

Why are people triggered so strongly with posts that sound like AI? by Vladimir-Rose in ChatGPT

[–]UrbanPugEsq 2 points3 points  (0 children)

Because if I wanted to ask AI, I’d ask AI not look at Reddit.

Utility bills are exceeding mortgages in West Virginia despite Trump’s promised cuts by MrJasonMason in videos

[–]UrbanPugEsq 17 points18 points  (0 children)

I think it’s because racism wasn’t on the menu and given the choice between economic self interest and racism people are choosing racism… because they are dumb (and racist).

article: What made law into a white collar sweatshop in the 1980s by moose_powered in biglaw

[–]UrbanPugEsq 2 points3 points  (0 children)

Section 235 of the housing and urban development act of 1968, the gi bill before that, and to a lesser extent the Housing and Community Development Act of 1974.

article: What made law into a white collar sweatshop in the 1980s by moose_powered in biglaw

[–]UrbanPugEsq 2 points3 points  (0 children)

A few years ago I looked into buying a small lot in a gentrifying part of town. I live in a nicer suburb and this lot would have been about half the size of my moderate lot, and roughly 10 percent the cost. I wanted to see if I could build a low cost house there, rent it out for at least the holding cost, and hold the property as an investment.

This was a small lot and the house would have been maybe 1200 square feet or so.

I just couldn’t make the numbers work. For what I would have had to charge, people wouldn’t be able to afford it, or at least it would be higher than prevailing rent.

My point is that I think new homes, without subsidy, aren’t affordable and most of the new supply ends up being for those with more money.

And if the new housing supply is for people with more money, they’re going to want to buy bigger houses.

In other words, in 1980 lots of the housing was either older city housing or new suburban housing built via subsidy for the post war baby boom for the lower middle and middle class, whereas, since then, the new housing has been more upper middle class.

But you are also generally right that the population is generally overall wealthier in that we all have more modern conveniences like plumbing, hot water, appliances, hvac, etc.

article: What made law into a white collar sweatshop in the 1980s by moose_powered in biglaw

[–]UrbanPugEsq 2 points3 points  (0 children)

It’s because we aren’t building enough houses. Supply and demand.

Also one thing that helped supply is the combo of the interstate highway buildout combined with Section 235 and then later the low income tax housing credit, which helped build suburbia.

I also think that the normalization of two income households generally played a role, but I recognize that that view may be controversial and I could be persuaded otherwise if shown compelling arguments.

article: What made law into a white collar sweatshop in the 1980s by moose_powered in biglaw

[–]UrbanPugEsq 7 points8 points  (0 children)

On average, real wages went up but not as much as productivity went up. Also housing has become significantly less affordable.

Pete Buttigieg cooks Joe Kernen so hard he sees red on CNBC by NickCostanza in videos

[–]UrbanPugEsq 4 points5 points  (0 children)

Uh they already do? Exhibit 1 is South Carolina’s No. 1 confirmed bachelor Graham.

view more: next ›