France also treats medicine as a skilled trade. Medical school is 6 years out of high school -- if you passed HS, you'll get in to the first two years, and be able to continue to year 3-6 if you did well in the first two. Far better than the Byzantine admission system in the US.
Your stats are from 2001 and 2010, from before the Obamacare/ACA law's implementation. Nice try, though.
Also, ACA = Romneycare. Democrats wanted a cheaper truly public insurance option, the ACA was the watered-down GOP-approved version. Blame the GOP, not Obama.
This is about the UK, which has a per-capita incarceration rate 10-20% that of the USA. Though it was subject to the same "tough on crime" trends in the 1990s as the US, unfortunately, so the rate is 50-60% higher than it should be.
Deserve? No. They deserve to have a clean space with working/reliable appliances and fixtures. No frills unless you can get more in rent than you put in paying for them.
I'd honestly love something that's light, unbreakable (no glass touch screen, just plastic display), and fits in any of my pockets easily. I don't need smartphone functionality most of the time.
As far as prison phone monopolies, I have no idea whether the British (what this article is about) have them or not.
(1) California has a huge military presence, and it still pays into DC. (2) We don't use the military. It uses us. The military is mostly a boondoggle and jobs program that uses US and pays us back in dead and maimed humans. The military uses us. We'd be better off cutting spending 50% and spending the money on pure research, infrastructure, and education. It's not 1930 where the country with the most battleships wins the way. (3) CIA/FBI? Stop jailing 1% of our population and meddling in other countries' affairs, and they can be much smaller.
Yeah. Costs increased because people who long delayed treatment for existing conditions could finally SEE A DOCTOR at an affordable price.
As far as what you pay, I agree, it's too much. There should have been a public option charging people say 8% of their income (plus 2% per child covered or something) for an acceptable level of insurance, capped at a certain amount.
Simple to pay for and calculate cost, portable between jobs within the state of California, gets employers out of the benefits-admin business, and cuts out much of the profit-taking middlemen. But noooo, the private insurers wouldn't stand for being relegated to second-class providers of "Medigap."
Blame the insurance lobby and low-information voters for not having a public option like 90% of developed places have.
You don't want a very wealthy tenant - you want one rich enough to pay the bills, poor enough not to be able to lawyer up if you decide to raise their rent or evict.
You can even buy one in NJ for that price, in a middle-class (not rich) town -- it'll just be a 1000sf bungalow in not-so-nice shape. I'm looking at a few such houses to rent out, in fact.
If a car needs a detailed map to drive itself, instead of responding to visual cues like signs, curb position, road markings, then it's not truly "self driving." Self-driving cars should be able to follow maps of the level of detail given by (say) Google Maps -- they should be able to operate with GPS info and knowing how roads are "networked."
And yes, I agree with you that a lot of people aren't cut out to own homes. Specifically the skells who ATMed their homes, didn't read the HELOC contract, used the money for a $100k renovation throwing out perfectly good appliances and fixtures, then whined that the HELOC was coming due.
Except there is no evidence that ACA/Obamacare actually raised insurance prices for equal insurance policies more (on average) than they'd have gone up under the old system. Absent market manipulations that deliberately worked against it, of course.
It also got rid of abominations like a friend of mine with epilepsy living in CA, being quoted $2000/mo for individual insurance minimum. Sure put a damper on his plans to start a business in 2010.
Most of the policies that people whined about losing were shit policies with low lifetime caps and a list of exceptions 100 pages long.
Depends what you're looking for. If you can buy for cash and your "return" (i.e. difference between expenses and costs of renting the same home) is 6-8%, where are you going to get that much interest (RELIABLY, year-after-year, not subject to market crashes) on your cash?
If you can drop $100 grand on a fixer-upper and only pay property tax (no mortgage) for the next 30 years, go for it.
Another anonymous "coward" cloaking his cowardice in humor:^)
I walk in that area frequently (in fact, am dating someone who lives there) and have never been robbed. Nor has she, despite having lived there a good part of her life.
I didn't say anything about "rich white people." In fact, I really don't care what "rich white people" do -- if they want to be snobbish and leave a grand or two a month on the table, more power to them.
I'm not so concerned about what my family, friends, and cow-orkers think of me as long as I'm having fun and am better off than they are without them even knowing it:)
DON'T buy VNQ real estate. Buy rental property. The kind that you own and put sweat-equity into and collect rent yourself. Not the kind where Wall Street scum take 50% of your profit while laughing at you.
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France also treats medicine as a skilled trade. Medical school is 6 years out of high school -- if you passed HS, you'll get in to the first two years, and be able to continue to year 3-6 if you did well in the first two. Far better than the Byzantine admission system in the US.
You mean, being exiled to Colorado and other flyover states :)
Trump troll/Koolaid drinker spotted.
Academia typically underpays vs industry but offers other perks/recognition as compensation.
HDFC if you can make the income requirements. Hint.
Your stats are from 2001 and 2010, from before the Obamacare/ACA law's implementation. Nice try, though.
Also, ACA = Romneycare. Democrats wanted a cheaper truly public insurance option, the ACA was the watered-down GOP-approved version. Blame the GOP, not Obama.
You mean housing prices didn't fall in 2008-2011 or in the early 2000s?
This is about the UK, which has a per-capita incarceration rate 10-20% that of the USA. Though it was subject to the same "tough on crime" trends in the 1990s as the US, unfortunately, so the rate is 50-60% higher than it should be.
Deserve? No. They deserve to have a clean space with working/reliable appliances and fixtures. No frills unless you can get more in rent than you put in paying for them.
I'd honestly love something that's light, unbreakable (no glass touch screen, just plastic display), and fits in any of my pockets easily. I don't need smartphone functionality most of the time.
As far as prison phone monopolies, I have no idea whether the British (what this article is about) have them or not.
(1) California has a huge military presence, and it still pays into DC.
(2) We don't use the military. It uses us. The military is mostly a boondoggle and jobs program that uses US and pays us back in dead and maimed humans. The military uses us. We'd be better off cutting spending 50% and spending the money on pure research, infrastructure, and education. It's not 1930 where the country with the most battleships wins the way.
(3) CIA/FBI? Stop jailing 1% of our population and meddling in other countries' affairs, and they can be much smaller.
What if you like where you live and have low expectations?
A 1950s kitchen works fine for me -- I can live in a house with only minor renovations, so long as everything works.
Yeah. Costs increased because people who long delayed treatment for existing conditions could finally SEE A DOCTOR at an affordable price.
As far as what you pay, I agree, it's too much. There should have been a public option charging people say 8% of their income (plus 2% per child covered or something) for an acceptable level of insurance, capped at a certain amount.
Simple to pay for and calculate cost, portable between jobs within the state of California, gets employers out of the benefits-admin business, and cuts out much of the profit-taking middlemen. But noooo, the private insurers wouldn't stand for being relegated to second-class providers of "Medigap."
Blame the insurance lobby and low-information voters for not having a public option like 90% of developed places have.
Some areas restrict based on buyer's age (55+ or 62+) or on income (below 75% of area median income or whatever).
And will drop again.
Interest rates are going up. Next recession is cyclic, probably no more than a year or two from now.
You don't want a very wealthy tenant - you want one rich enough to pay the bills, poor enough not to be able to lawyer up if you decide to raise their rent or evict.
You can even buy one in NJ for that price, in a middle-class (not rich) town -- it'll just be a 1000sf bungalow in not-so-nice shape. I'm looking at a few such houses to rent out, in fact.
If a car needs a detailed map to drive itself, instead of responding to visual cues like signs, curb position, road markings, then it's not truly "self driving." Self-driving cars should be able to follow maps of the level of detail given by (say) Google Maps -- they should be able to operate with GPS info and knowing how roads are "networked."
And yes, I agree with you that a lot of people aren't cut out to own homes. Specifically the skells who ATMed their homes, didn't read the HELOC contract, used the money for a $100k renovation throwing out perfectly good appliances and fixtures, then whined that the HELOC was coming due.
Except there is no evidence that ACA/Obamacare actually raised insurance prices for equal insurance policies more (on average) than they'd have gone up under the old system. Absent market manipulations that deliberately worked against it, of course.
It also got rid of abominations like a friend of mine with epilepsy living in CA, being quoted $2000/mo for individual insurance minimum. Sure put a damper on his plans to start a business in 2010.
Most of the policies that people whined about losing were shit policies with low lifetime caps and a list of exceptions 100 pages long.
Depends what you're looking for. If you can buy for cash and your "return" (i.e. difference between expenses and costs of renting the same home) is 6-8%, where are you going to get that much interest (RELIABLY, year-after-year, not subject to market crashes) on your cash? If you can drop $100 grand on a fixer-upper and only pay property tax (no mortgage) for the next 30 years, go for it.
How often do you do home repairs to your own home? Multiply that by two and it's still a small part of your life.
Also, rent a bit under market and discreetly hint that the tenants are lucky to still be paying under market -- they tend not to complain then.
Another anonymous "coward" cloaking his cowardice in humor :^)
I walk in that area frequently (in fact, am dating someone who lives there) and have never been robbed. Nor has she, despite having lived there a good part of her life.
I didn't say anything about "rich white people." In fact, I really don't care what "rich white people" do -- if they want to be snobbish and leave a grand or two a month on the table, more power to them.
I'm not so concerned about what my family, friends, and cow-orkers think of me as long as I'm having fun and am better off than they are without them even knowing it :)
DON'T buy VNQ real estate. Buy rental property. The kind that you own and put sweat-equity into and collect rent yourself. Not the kind where Wall Street scum take 50% of your profit while laughing at you.