That's driver style and those people will usually not come close to the stated milage in any other vehicle either. There are also people who drive insights for an average milage of 90+ for the life of their car (the trick is coasting as much as possible and using slower accelleration).
Your innate geek loyalty will come in handy here (although be sure you don't slough off all the punishment on your wife) just act normally around your kids and I'm sure they will adore you. Shower her with attention and she will respond quite well, kid's are hardwired for this stuff.
My dad was an engineer and my mom read the bearenstien bears. While papa bear was a furnature builder and my dad's favorite hobby was woodworking this worked very well. So unless you find the dad is a programmer book try to find something that you do besides work to read about.
That said, try to remember what you thought of your dad as a small child (ie he was indestructable and omniscient and such) and realize that even if you are not exactly like a storybook hero your kids will still be amazed by you. Try to find a good book for your kids to expand their minds and don't worry about what characters do.
If you insist Calvin's dad is a patent attorney which is a pretty intellectual white collor job.
The actual data is available from the phone company web pages. While there has been a big stir about lines being swapped from land line to cellular, it hasn't been that big a factor. The bells have about 130 million lines (VZ doesn't disclose second lines from primaries, but that includes business and second lines. There are also almost 20 million lines under things like the MCI neighborhood plan and other CLECs (I don't have data on if those are primary or secondary lines but I'd suspect they are almost all primary lines as CLECs are in dense areas and offer DSL). If you back business losses, UNE-P (CLEC) losses, and the few VoIP losses to date, all of which can be polled or do not represent actual households you are left a fairly constant number of lines over the past two years. Household growth in the US is generally in the 1-2% range so it is unlikely that there are more than 3% of households with wireless and no land line. Also the swing states are generally not the areas that would be as likely to have wireless only users (who would be more likely to be in dense urban areas such as NY or CA) Even if that group split 60-40 for Kerry, I doubt it would throw the election off enough to account for any electoral votes.
Btw, there are about 150 million subscribers or roughly half the population with cellular phones now. In some European countries the penetration rate is north of 80% which is pretty impressive. In several, Mediteranian countries it is north of 100% which is bizarre.
The data is already being measured (google for metar) by our tax dollars. Before you do it again look there, unless you need more location data (for micro climates and such).
I cranked up the fans on my pentium 4 and am now predicting that the hurricane will impact the southeast United States, and will culiminate by dumping tons of rain over the Appilachian Mountain chain.
/don't need any stinking super computers here, we have the weather rock.
No you just have to provide value in excess of your cost. This has always been the case for salespeople (who have very easy ways to measure the value they provide) but is becomign easier to measure for other positions as well.
Bingo, the issue isn't a political, corporate, or economic one it's an infastructure one. Over the last 100 years we have so greatly reduced the costs of moving goods and information very long distances (containerized shipping, computerized inventory control, railroads and the internet). Think about how few things were imported (mostly luxury goods) more than 75 years ago. This has tremendous ramifications for almost all aspects of life as we have created a global market place for transactions. This investment will drive up the overall global standard of living tremendously. However, the rewards have already been captured in our location.
To add to the scale of the problem, the original investments in infastructure came from the west (US and western Europe) and as a result those areas gained a disproportionate share of the gains for most of the period. Now other areas are beginning to recognise (and invest) for their own benefit. The question becomes when will the growth in overall global standard of living offset the declines as the West "gives back" the disproportionate share of the gains and shares new gains in a manner that is more diverse than they orginally had to share.
My own conclusion is that land values in the West are likely to decline, as those have effectivly been the method by which we absorbed the gains from this infastructure. As the returns are spread along more countries the value of having land in the areas that have already recieved the benefits is likely to decline. Lower land values will reduce the amount neccessary to live in the US allowing a standard of living that can be accomplished on lower wages.
Realize that you could probably outsource to Idaho and come up with similar numbers to what the VCs want. This too shall pass, eventually the VCs will realize that there is a proper level of outsourcing and they'll be off to the next trend.
Perhaps it is because they have a saftety net that makes them instant gratification following fools. One point I've seen is that prior to the FDIC depositors were more like credit union shareholders and large depositors would take an interest in what kind of notes a bank wrote. With the government essentially backing the bank do you as a depositor care if the bank bets heavily on interest only swaps to potentially enrich their shareholders?
Effectivly we already have this audit firms (who do all the heavy lifting in approving documents for SEC filing) have always been private firms. They make decent money, although most of it is on advice rather than audits. The biggest problem with the system is that management hires the auditors (rather than a coalition of large outside investors) and too many investors are optimists who want to be lied to (why do you think Enron's stock price flew so high in the first place). Also there's plent of sham companies doing the same things that Enron did on the pink sheets even worse things, but most of us are smart enough to stay out of those. The sharks that play there know the risks pretty well and either become bait or play the greater fool thing better than average. Enron was only news because it was worth $70 billion before it tanked.
The best arguement in favor of an SEC is that audits are a public good (once you have completed one it's rather difficult to exclude the results from people who did not bear the burden of cost). Because too little of this would be produced by private firms, it is better to have the government provide this service to all investors. I don't know if it is true, but that would be the utilitarian arguement in favor of a government SEC.
It's all about cash flows, Oracle talks about operating margins well above 40% on support revenues. I think about 60%-80% of Peoplesoft revenue is support. Oracle can cherry pick the Peoplesoft salesfolk, developers, and managers they want out of the deal, too. It's a pretty good strategy. By the way, what do you do to have such an understanding of these things most folk here missed that point.
The best answer I got is why aren't mathmaticians expert pool players. After all pool is merely a game of applied geometry. Also, most finance professors are quite wealthy and teach as a quasi-retirement job.
Most economists don't become concerned about the debt of a nation until ownership of the debt falls into foreign hands. Prior to that it's just intranational wealth transfers which are zeroed out in national wealth building. Once debt falls into foreign hands that assumption is no longer true. Debt rises because the costs are the burden of the many (small portion spread among millions) while the benefits accrue to a small portion (smaller benefit but spread among a very small subset of the population).
An easier to understand senario is sugar quotas. Estimates put the cost at a few dollars per houshold annually, however millions flow to a few sugar growers in the country. Overall national welfare would be improved by ending the sugar quotas. But the effort required to end them is greater than the benefits for any individual consumer while the effort required to maintain it is much smaller than the benefits for the sugar farmers.
Numbers I've seen from various locations imply about 95% Windows (about 60% is NT of some flavor) 2% Macs and 3% Linux, with a tiny minorty of other stuff (proprietary Unix, BSD, etc). Those are sort of middle of the ranges Windows generally gets 90-95% and Mac is occasionally listed at 1%. There isn't a great survey because of NATs, limited userbases, and other issues.
Re:Seems a bit pricey compared to other small WISP
on
Wheat Field Wi-Fi
·
· Score: 3, Informative
Households in that part of the country are likely less dense than one per square mile. You gotta cover the value of all that equipment to cover the area. This is the part of the world that might not have had dial up available (if they did it was likely not 56k) and certainly didn't have a local number for a $9.99 ISP.
Crap, you might consider shopping around. I drive a well not quite newish Integra and was only paying $4/day until I turned 25. With full coverage and liability way beyond the state required minimums. Unless your insurance broker is your uncle or something, at least give Geico, Progressive, or Amica a look. I found about $500/yr difference in policy prices when I shopped policies about two years ago.
There are lots of co-op insurance companies, they go by the name of mutual insurance companies. Make sure they are actually a mutual company, they should send an annual report to policyholders and will not be publicly traded. In this type of organization the policyholders (typically life insurance and occasionally a few other types) are the owners. I love mine, not so much because the rates are lower but because the company has wonderful customer service and the rates are very competitive.
A quick finance lesson. The insurance comapny sets a policy price based on the likelihood of paying a claim. Of course they can guess that the claims will occur in the future and so charge a rate that will result in them earning enough to pay out on the claims when they are expected to occur. As claims have increased significantly (I'd be surprised if the average auto claim under $20,000 now) they have raised rates because they don't have enough information to tell if you will cause a claim or not. Most of that cash is there to cover life insurance claims which will pay out several times the premiums the collected, but do it after many, many years.
Some tips to reduce insurance.
1. If you drive a car worth less that a few grand keep $1000 somewhere you can access it reasonably quickly and drop collision and comp which replace your car if you damage it or it is stolen. Self insurance is always cheaper, the extra cost is to cover those incidents that are financially destructive (this will slide with your net worth).
2. Reduce your commute time most companies base rates based on commute distance, you could save a few hundreed to a few thousand if you move a bit closer to work.
3. Take a defensive driving course. I'd guess you could cover the cost of tuition in less than a year.
4. Check on a ballon policy and reduce your liability coverage to those minimums.
5. Don't double insure, if you have coverage for medical costs, you might look at the cost of your uninsured motorist coverage.
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That's driver style and those people will usually not come close to the stated milage in any other vehicle either. There are also people who drive insights for an average milage of 90+ for the life of their car (the trick is coasting as much as possible and using slower accelleration).
Your innate geek loyalty will come in handy here (although be sure you don't slough off all the punishment on your wife) just act normally around your kids and I'm sure they will adore you. Shower her with attention and she will respond quite well, kid's are hardwired for this stuff.
My dad was an engineer and my mom read the bearenstien bears. While papa bear was a furnature builder and my dad's favorite hobby was woodworking this worked very well. So unless you find the dad is a programmer book try to find something that you do besides work to read about.
That said, try to remember what you thought of your dad as a small child (ie he was indestructable and omniscient and such) and realize that even if you are not exactly like a storybook hero your kids will still be amazed by you. Try to find a good book for your kids to expand their minds and don't worry about what characters do.
If you insist Calvin's dad is a patent attorney which is a pretty intellectual white collor job.
The actual data is available from the phone company web pages. While there has been a big stir about lines being swapped from land line to cellular, it hasn't been that big a factor. The bells have about 130 million lines (VZ doesn't disclose second lines from primaries, but that includes business and second lines. There are also almost 20 million lines under things like the MCI neighborhood plan and other CLECs (I don't have data on if those are primary or secondary lines but I'd suspect they are almost all primary lines as CLECs are in dense areas and offer DSL). If you back business losses, UNE-P (CLEC) losses, and the few VoIP losses to date, all of which can be polled or do not represent actual households you are left a fairly constant number of lines over the past two years. Household growth in the US is generally in the 1-2% range so it is unlikely that there are more than 3% of households with wireless and no land line. Also the swing states are generally not the areas that would be as likely to have wireless only users (who would be more likely to be in dense urban areas such as NY or CA) Even if that group split 60-40 for Kerry, I doubt it would throw the election off enough to account for any electoral votes.
Btw, there are about 150 million subscribers or roughly half the population with cellular phones now. In some European countries the penetration rate is north of 80% which is pretty impressive. In several, Mediteranian countries it is north of 100% which is bizarre.
The data is already being measured (google for metar) by our tax dollars. Before you do it again look there, unless you need more location data (for micro climates and such).
I cranked up the fans on my pentium 4 and am now predicting that the hurricane will impact the southeast United States, and will culiminate by dumping tons of rain over the Appilachian Mountain chain.
/don't need any stinking super computers here, we have the weather rock.
No you just have to provide value in excess of your cost. This has always been the case for salespeople (who have very easy ways to measure the value they provide) but is becomign easier to measure for other positions as well.
Bingo, the issue isn't a political, corporate, or economic one it's an infastructure one. Over the last 100 years we have so greatly reduced the costs of moving goods and information very long distances (containerized shipping, computerized inventory control, railroads and the internet). Think about how few things were imported (mostly luxury goods) more than 75 years ago. This has tremendous ramifications for almost all aspects of life as we have created a global market place for transactions. This investment will drive up the overall global standard of living tremendously. However, the rewards have already been captured in our location.
To add to the scale of the problem, the original investments in infastructure came from the west (US and western Europe) and as a result those areas gained a disproportionate share of the gains for most of the period. Now other areas are beginning to recognise (and invest) for their own benefit. The question becomes when will the growth in overall global standard of living offset the declines as the West "gives back" the disproportionate share of the gains and shares new gains in a manner that is more diverse than they orginally had to share.
My own conclusion is that land values in the West are likely to decline, as those have effectivly been the method by which we absorbed the gains from this infastructure. As the returns are spread along more countries the value of having land in the areas that have already recieved the benefits is likely to decline. Lower land values will reduce the amount neccessary to live in the US allowing a standard of living that can be accomplished on lower wages.
Realize that you could probably outsource to Idaho and come up with similar numbers to what the VCs want. This too shall pass, eventually the VCs will realize that there is a proper level of outsourcing and they'll be off to the next trend.
Perhaps it is because they have a saftety net that makes them instant gratification following fools. One point I've seen is that prior to the FDIC depositors were more like credit union shareholders and large depositors would take an interest in what kind of notes a bank wrote. With the government essentially backing the bank do you as a depositor care if the bank bets heavily on interest only swaps to potentially enrich their shareholders?
Effectivly we already have this audit firms (who do all the heavy lifting in approving documents for SEC filing) have always been private firms. They make decent money, although most of it is on advice rather than audits. The biggest problem with the system is that management hires the auditors (rather than a coalition of large outside investors) and too many investors are optimists who want to be lied to (why do you think Enron's stock price flew so high in the first place). Also there's plent of sham companies doing the same things that Enron did on the pink sheets even worse things, but most of us are smart enough to stay out of those. The sharks that play there know the risks pretty well and either become bait or play the greater fool thing better than average. Enron was only news because it was worth $70 billion before it tanked.
The best arguement in favor of an SEC is that audits are a public good (once you have completed one it's rather difficult to exclude the results from people who did not bear the burden of cost). Because too little of this would be produced by private firms, it is better to have the government provide this service to all investors. I don't know if it is true, but that would be the utilitarian arguement in favor of a government SEC.
I loved the gameplay, but that thing crashed more than anything else I played.
How many oscars did Peter Jackson get for LOTR vs Lucas for either SW triligy. Seems like we're getting the recognition correct at this point.
It's all about cash flows, Oracle talks about operating margins well above 40% on support revenues. I think about 60%-80% of Peoplesoft revenue is support. Oracle can cherry pick the Peoplesoft salesfolk, developers, and managers they want out of the deal, too. It's a pretty good strategy. By the way, what do you do to have such an understanding of these things most folk here missed that point.
My take is after the DoJ blocked the merger Oracle decided to pursue the case to get rid of the case law that allowed the block in the first place.
The best answer I got is why aren't mathmaticians expert pool players. After all pool is merely a game of applied geometry. Also, most finance professors are quite wealthy and teach as a quasi-retirement job.
Most economists don't become concerned about the debt of a nation until ownership of the debt falls into foreign hands. Prior to that it's just intranational wealth transfers which are zeroed out in national wealth building. Once debt falls into foreign hands that assumption is no longer true. Debt rises because the costs are the burden of the many (small portion spread among millions) while the benefits accrue to a small portion (smaller benefit but spread among a very small subset of the population).
An easier to understand senario is sugar quotas. Estimates put the cost at a few dollars per houshold annually, however millions flow to a few sugar growers in the country. Overall national welfare would be improved by ending the sugar quotas. But the effort required to end them is greater than the benefits for any individual consumer while the effort required to maintain it is much smaller than the benefits for the sugar farmers.
Numbers I've seen from various locations imply about 95% Windows (about 60% is NT of some flavor) 2% Macs and 3% Linux, with a tiny minorty of other stuff (proprietary Unix, BSD, etc). Those are sort of middle of the ranges Windows generally gets 90-95% and Mac is occasionally listed at 1%. There isn't a great survey because of NATs, limited userbases, and other issues.
Households in that part of the country are likely less dense than one per square mile. You gotta cover the value of all that equipment to cover the area. This is the part of the world that might not have had dial up available (if they did it was likely not 56k) and certainly didn't have a local number for a $9.99 ISP.
The reasoning I heard that made some sense was that SP2 was recompiled with a newer version of Visual Studio.
When 29 years old you reach, look as good, you will not!
It's Amica, and they've been wonderful so far.
Crap, you might consider shopping around. I drive a well not quite newish Integra and was only paying $4/day until I turned 25. With full coverage and liability way beyond the state required minimums. Unless your insurance broker is your uncle or something, at least give Geico, Progressive, or Amica a look. I found about $500/yr difference in policy prices when I shopped policies about two years ago.
Crap I'm dumb sometimes. The italics should have ended with mutual, I will go hide in the corner now.
There are lots of co-op insurance companies, they go by the name of mutual insurance companies. Make sure they are actually a mutual company, they should send an annual report to policyholders and will not be publicly traded. In this type of organization the policyholders (typically life insurance and occasionally a few other types) are the owners. I love mine, not so much because the rates are lower but because the company has wonderful customer service and the rates are very competitive.
A quick finance lesson. The insurance comapny sets a policy price based on the likelihood of paying a claim. Of course they can guess that the claims will occur in the future and so charge a rate that will result in them earning enough to pay out on the claims when they are expected to occur. As claims have increased significantly (I'd be surprised if the average auto claim under $20,000 now) they have raised rates because they don't have enough information to tell if you will cause a claim or not. Most of that cash is there to cover life insurance claims which will pay out several times the premiums the collected, but do it after many, many years.
Some tips to reduce insurance.
1. If you drive a car worth less that a few grand keep $1000 somewhere you can access it reasonably quickly and drop collision and comp which replace your car if you damage it or it is stolen. Self insurance is always cheaper, the extra cost is to cover those incidents that are financially destructive (this will slide with your net worth).
2. Reduce your commute time most companies base rates based on commute distance, you could save a few hundreed to a few thousand if you move a bit closer to work.
3. Take a defensive driving course. I'd guess you could cover the cost of tuition in less than a year.
4. Check on a ballon policy and reduce your liability coverage to those minimums.
5. Don't double insure, if you have coverage for medical costs, you might look at the cost of your uninsured motorist coverage.