That is what the book value of the car means. A car fitting the description of yours can be bought or sold for $800. So ideally you could buy or sell a car like yours for that value, so they replaced your loss. If it is cheaper to repair they would have done that. Also you did get 6 years driving out of it.
This **IS** a problem, that is why some new car policies have depreciation waivers for the first 2 years or so. The idea being once you buy a new car, it drops in value by 30%. Well if I drive off the lot and it gets totaled I lost what I actually paid, I didn't even get close to 30% of its cost in usage.
What really sucks is my car is 3years old but with the mileage worth about 20% the purchase price. If I total it, I get almost nothing, however it is ONLY 3 years old, so I pay the premium like it didn't have insane mileage on it.
Hypothetical situation. I have no insurance, you have no insurance. You are a good driver, I decide to drive into you, causing significant damage. You will get nothing because I have no assets. With mandatory insurance it might work out different. 1. You would probaly pay the relatively small premium to cover if an uninsured driver hit you. 2. I'd be driving illegally, maybe I'd go to jail, and you'd feel better.
I hate that DVD's don't just go. I don't want interactive content, random acces is a bit nice. But what I really want is to drop in the DVD, hit play, and have it go. No ads, no intro DVD garbage, just play my movie.
Remember like TV you are not the customer. The studios are the customer, they are buying a distribution mechanism. They want a good standard so that this channel will work well when it is deployed to the movie customers.
People don't buy DVD players to have a DVD player, they buy a DVD player to gain access to the DVD entertainment channel.
Yes, the car companies tell us what standard fuel will work in our car. Gasoline, with particular standard ratings, diesel fuel, natural gas, propane or any other fuel. As long as you use the proper standard fuel, your car will work.
In this case as long as the disc uses a standard codec, it will play in your standard player. If you choose a non standard disc it might not work, like putting non standard fuel in your car.
I couldn't have come up with a better real world example.
Just relax, do your thing and don't worry about it.
I didn't have anything stolen, most roomates and housemates were excellent. Even the jerks tend to be not horrible they have to live there too. If they're really really horrible, there is always a way out. The schools have policies to deal with it.
The link is dead, but the GPL is pretty clear on this.
As long as they own the copyright they can license it however they want. They can even dual license it, GPL and/or Firstborn.
If they incorporate GPL code it must be GPL, if they don't, it doesn't need to be. If it uses GPL libraries and the authors didn't license it, it might be a violation, but it does take the copyright owner to complain about infringement.
Things change, but I think this is more about a good story or at least a potetially thought provoking topic.
I think when you get attached to a character, you wonder what happens next.
The other thing is lots of people around 30 (like me) are wondering what have I done with my life and where am I going. This is a good way to talk about the question, with existing characters in the same situation.
Unions can't protect you from competition. We recently had a company on strike for a year, it finally ended. In that time the jobs moved offshore.
The owner was very clear about it, he has offshore competition, and can only remain competative if you cut your wages by 50%. They said no, now they don't have a job. The union protected them right out of a job.
The only job in that list that can be effectively offshored and isn't is farming. The subsidies that first world governments give to their farms is insane. That industry (or some parts) are totally dependant on government subsidies and funding to exist. This money however comes from your taxes, and raises the cost of living for every person in the country, making us even less competative with the rest of the world.
You have to be as competative in the job market as the company has to be in their market. People won't pay more depending on where a shirt is made, so the textile industry has moved mostly offshore. As long as most people will buy the products from the lowest bidder, the companies will do the same.
With the exception of a school classroom never seen a 1:30 manager worker ratio in any field I've worked. When I say manager I mean manager, leader, supervisor or any of the other titles they give people who have the task of watching and supervising others.
FWIW I'm an Engineer, maybe other fields are diffrent, but I doubt it.
Well if you want to skim off money you have to add value somehow. Supervision, hiring good people, project management, ensure quality, provide customer support, all those things customers want.
You know all that stuff Redhat is doing with Linux.
You can't. I can't outsource many of the services we rely on. Conveniently we are also moving to a service economy. If the bulk manufacturing or work is done offshore that's fine, it's the end stages that require the most skill are the most profitable, and least likley to move. Stay at the top of this curve and you're in the best position. If you make a commodity, you will have zero profit (basic economics here)
Outsourcing and offshoring are just putting a different name to being uncompetative.
This isn't that complicated. I am a custom programmer, I bill $50/hr. I get lots of work, I hire someone to help me. I pay them less then I charge, I make money on their work as well as mine. I provide the work to them, and supervise, this is how I justify my cut. This is how many small business grow, it is called organic growth, and is very common.
Since programmers don't need to be physically close, why not hire the cheapest capable person? If you only pay $10/hr, you make $40/their hour, of course minus your management work.
What about this doesn't make sense, when I was 14, I worked for a guy cutting lawns doing almost exactly this.
Microsoft is a monopoly, this means they control pricing of that product. This is why the price is where it is.
In a competative market the prices should end up closer. Look at oranges in your local grocery store, here (Canada) I pay about $1/lb for South African oranges, which is around the same price Florida oranges were a few weeks ago. This is a market price.
Actually I know of quite a few good government workers. I have worked with many excellent union workers too. (And I'm pretty anti-union).
Meetings don't seem to have much value to a lot of 'workers'. It isn't until you're in management that you really understand how much comes out of a good productive meeting. In my job and most others the meetings is the grease that let the actual work run pretty smoothly. The people doing the work don't realize that the difficulties and problems they aren't dealing with went away during that meeting.
Bad meetings are a waste of time, with lots of garbage out. A good meeting tends to look like nothing except people nodding and drinking coffee.
Tech support is expensive. Users are getting dumber and calling tech support for things they shouldn't.
Ever hear of someone calling their ISP to help them clear disk space to install the ISP software? They can just hang up (frustrated customer) Or they can help the customer, this is expensive, so get a lower level cheaper tech to do it.
That being said I rarely call tech support for anything other then my ISP is broken. Even then I've just about given up, when I telnet to the smtp port on my mailserver and it replies with an error message, they want me to reboot my computer.
Most people don't like math science and engineering. I know lots of women who could be capable engineers, but chose other paths.
I don't think it really matters how many female engineers we have, as long as the end result is designed right neither should you.
I am getting sick of working with second rate 'quota' people. Particularly with the government they will put someone without the ability or experience to do a job but got the "Minority XXXX" points to land the job.
You end up with #1 The job not being done right. #2 Convincing anyone with the stereotype they are right because look, that kind of person can't do the job. #3 A person who can't do the job getting frustrated. They either hate their job, and discourage others, or they quit. Then you end up having even more trouble recruiting group XXX into this position.
Removing barriers is one thing, silly quota/promotion games are wrong.
More ranting, in public school (I was 13 years old) The girls got to go to 'science day' at the local university to encourage them to go into science. Apparently it was very interesting, with lots of cool stuff. Of course as a boy, I couldn't go. Welcome to the wonderful sexist world we live in where girls who don't care about science get encouragement, and guys who do care get slapped down.
Why not just have open book exams with good questions?
A book report is far from research and long term thought, even for a big book.
One of my projects was "Design a suitable braking system for a Grand Am". Everyone got different cars, and it was a realistic challenge. Even if you measured the brakes on the car you would have to justify that they were properly sized and do the supporting work anyway. If you did the project, you can answer a similar question in an exam in a few minutes.
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That is what the book value of the car means. A car fitting the description of yours can be bought or sold for $800.
So ideally you could buy or sell a car like yours for that value, so they replaced your loss.
If it is cheaper to repair they would have done that. Also you did get 6 years driving out of it.
This **IS** a problem, that is why some new car policies have depreciation waivers for the first 2 years or so.
The idea being once you buy a new car, it drops in value by 30%. Well if I drive off the lot and it gets totaled I lost what I actually paid, I didn't even get close to 30% of its cost in usage.
What really sucks is my car is 3years old but with the mileage worth about 20% the purchase price. If I total it, I get almost nothing, however it is ONLY 3 years old, so I pay the premium like it didn't have insane mileage on it.
Hypothetical situation.
I have no insurance, you have no insurance.
You are a good driver, I decide to drive into you, causing significant damage. You will get nothing because I have no assets.
With mandatory insurance it might work out different.
1. You would probaly pay the relatively small premium to cover if an uninsured driver hit you.
2. I'd be driving illegally, maybe I'd go to jail, and you'd feel better.
I hate that DVD's don't just go.
I don't want interactive content, random acces is a bit nice.
But what I really want is to drop in the DVD, hit play, and have it go.
No ads, no intro DVD garbage, just play my movie.
Remember like TV you are not the customer.
The studios are the customer, they are buying a distribution mechanism. They want a good standard so that this channel will work well when it is deployed to the movie customers.
People don't buy DVD players to have a DVD player, they buy a DVD player to gain access to the DVD entertainment channel.
Damn I sound like a management/marketing droid.
Yes, the car companies tell us what standard fuel will work in our car.
Gasoline, with particular standard ratings, diesel fuel, natural gas, propane or any other fuel.
As long as you use the proper standard fuel, your car will work.
In this case as long as the disc uses a standard codec, it will play in your standard player.
If you choose a non standard disc it might not work, like putting non standard fuel in your car.
I couldn't have come up with a better real world example.
Just relax, do your thing and don't worry about it.
I didn't have anything stolen, most roomates and housemates were excellent.
Even the jerks tend to be not horrible they have to live there too. If they're really really horrible, there is always a way out. The schools have policies to deal with it.
The link is dead, but the GPL is pretty clear on this.
As long as they own the copyright they can license it however they want. They can even dual license it, GPL and/or Firstborn.
If they incorporate GPL code it must be GPL, if they don't, it doesn't need to be. If it uses GPL libraries and the authors didn't license it, it might be a violation, but it does take the copyright owner to complain about infringement.
Things change, but I think this is more about a good story or at least a potetially thought provoking topic.
I think when you get attached to a character, you wonder what happens next.
The other thing is lots of people around 30 (like me) are wondering what have I done with my life and where am I going. This is a good way to talk about the question, with existing characters in the same situation.
Unions can't protect you from competition.
We recently had a company on strike for a year, it finally ended. In that time the jobs moved offshore.
The owner was very clear about it, he has offshore competition, and can only remain competative if you cut your wages by 50%. They said no, now they don't have a job. The union protected them right out of a job.
The only job in that list that can be effectively offshored and isn't is farming. The subsidies that first world governments give to their farms is insane. That industry (or some parts) are totally dependant on government subsidies and funding to exist.
This money however comes from your taxes, and raises the cost of living for every person in the country, making us even less competative with the rest of the world.
You have to be as competative in the job market as the company has to be in their market.
People won't pay more depending on where a shirt is made, so the textile industry has moved mostly offshore. As long as most people will buy the products from the lowest bidder, the companies will do the same.
Well I dispute that the it is a stupid scenerio.
With the exception of a school classroom never seen a 1:30 manager worker ratio in any field I've worked. When I say manager I mean manager, leader, supervisor or any of the other titles they give people who have the task of watching and supervising others.
FWIW I'm an Engineer, maybe other fields are diffrent, but I doubt it.
What if N developers migrate to N management positions and 3*N offshored developers?
Now you have more total global employment, higher value US employment, and more productivity for everyone.
I know that is the rosy scenerio, the other (obvious) one is all the jobs go away and we're all unemployed.
Fighting against the second with protectionism doesn't work. Working towards the first scenerio can work.
I won't argue it is easy, or it will happen quickly, just that is how I think we should view this opportunity.
"Opportunity is missed by most people because it is dressed in overalls and looks like work;" --Edison
I don't run any of that crap on my computer.
I know I'm not blocking my own outgoing connections.
Well if you want to skim off money you have to add value somehow.
Supervision, hiring good people, project management, ensure quality, provide customer support, all those things customers want.
You know all that stuff Redhat is doing with Linux.
You can't.
I can't outsource many of the services we rely on.
Conveniently we are also moving to a service economy. If the bulk manufacturing or work is done offshore that's fine, it's the end stages that require the most skill are the most profitable, and least likley to move.
Stay at the top of this curve and you're in the best position. If you make a commodity, you will have zero profit (basic economics here)
Outsourcing and offshoring are just putting a different name to being uncompetative.
This isn't that complicated.
I am a custom programmer, I bill $50/hr.
I get lots of work, I hire someone to help me.
I pay them less then I charge, I make money on their work as well as mine.
I provide the work to them, and supervise, this is how I justify my cut.
This is how many small business grow, it is called organic growth, and is very common.
Since programmers don't need to be physically close, why not hire the cheapest capable person? If you only pay $10/hr, you make $40/their hour, of course minus your management work.
What about this doesn't make sense, when I was 14, I worked for a guy cutting lawns doing almost exactly this.
Microsoft is a monopoly, this means they control pricing of that product. This is why the price is where it is.
In a competative market the prices should end up closer. Look at oranges in your local grocery store, here (Canada) I pay about $1/lb for South African oranges, which is around the same price Florida oranges were a few weeks ago.
This is a market price.
How do viruses spyware and anti virus software block port 25 on the server?
Actually I know of quite a few good government workers. I have worked with many excellent union workers too. (And I'm pretty anti-union).
Meetings don't seem to have much value to a lot of 'workers'. It isn't until you're in management that you really understand how much comes out of a good productive meeting.
In my job and most others the meetings is the grease that let the actual work run pretty smoothly. The people doing the work don't realize that the difficulties and problems they aren't dealing with went away during that meeting.
Bad meetings are a waste of time, with lots of garbage out. A good meeting tends to look like nothing except people nodding and drinking coffee.
Tech support is expensive.
Users are getting dumber and calling tech support for things they shouldn't.
Ever hear of someone calling their ISP to help them clear disk space to install the ISP software?
They can just hang up (frustrated customer)
Or they can help the customer, this is expensive, so get a lower level cheaper tech to do it.
That being said I rarely call tech support for anything other then my ISP is broken. Even then I've just about given up, when I telnet to the smtp port on my mailserver and it replies with an error message, they want me to reboot my computer.
Most people don't like math science and engineering.
I know lots of women who could be capable engineers, but chose other paths.
I don't think it really matters how many female engineers we have, as long as the end result is designed right neither should you.
I am getting sick of working with second rate 'quota' people. Particularly with the government they will put someone without the ability or experience to do a job but got the "Minority XXXX" points to land the job.
You end up with
#1 The job not being done right.
#2 Convincing anyone with the stereotype they are right because look, that kind of person can't do the job.
#3 A person who can't do the job getting frustrated. They either hate their job, and discourage others, or they quit. Then you end up having even more trouble recruiting group XXX into this position.
Removing barriers is one thing, silly quota/promotion games are wrong.
More ranting, in public school (I was 13 years old) The girls got to go to 'science day' at the local university to encourage them to go into science. Apparently it was very interesting, with lots of cool stuff.
Of course as a boy, I couldn't go. Welcome to the wonderful sexist world we live in where girls who don't care about science get encouragement, and guys who do care get slapped down.
Well I can get a cell phone for as much as my monthly landline service. Why would I bother with a fixed line?
Add in the fee to get connected, if you move a lot you can save hundreds by having a cell phone.
Currently the long distance plan I have, it doesn't yet make sense to switch to a cell phone.
There are so many books there, how can you choose one to read?
because a US court can't issue a ruling that would violate the Constitution.
Even the rights laid out in the US Constitution (and amendments) have limits.
If you don't believe me, make a few death threats at important people.
I'm sure that you'd want your Doctor, Lawyer, or Airline pilot to say "Don't worry I googled how to do this."
Finding the information is easy, using it isn't.
Most of my exams were open book, half the class failed out because they couldn't apply it.
Why not just have open book exams with good questions?
A book report is far from research and long term thought, even for a big book.
One of my projects was "Design a suitable braking system for a Grand Am".
Everyone got different cars, and it was a realistic challenge. Even if you measured the brakes on the car you would have to justify that they were properly sized and do the supporting work anyway.
If you did the project, you can answer a similar question in an exam in a few minutes.