That really isn’t true. The rich buy insurance like anyone else, they are even more aggressive about insurance with things like umbrella policies to protect their wealth. They also hedge a lot, which is just insuring through investing.
Maybe a better way to put it is that rich people have options. Of course if it's cheap for someone to offload the risk, they will. But if an insurer raises prices too much a people who can self insure will walk. Most people don't have that option so we continue to get squeezed with higher premiums and worse service.
That's just a BS trope. People who can't self insure either insure, or don't. And of those who don't some get lucky, some get unlucky.
If everyone who said screw it got unlucky the way the internet likes to make it seem then insurance as a business model simply wouldn't work at the price points it does.
Another way, theoretically, is to privatize/keep profits and put losses on the shoulders of taxpayers. I don't think such unethical activities are ever done in the real world, though.
Keep in mind that for many expensive homes, much of the expense is in the location, and not the home itself. It doesn't cost the market value of the house to rebuild it on the same spot. It's also not free, and in mass disasters it can be more because of shortages, but it's still less, often significantly so, than the market value.
That’s simply not true. In high col areas like this and especially on custom homes that were well built rebuilding is much more expensive than appraised market value for structures.
Part of that is easily attributable to depreciation of the structure but another large portion is the large increase in skilled labor costs in the last couple years.
The flip side can also be true, where the replacement cost of a home is higher than its market value. Always be sure to insure your home for at least the replacement cost.
> All of this is on you (the leader). That's reason for resignation.
Bingo. If someone wants to be the leader, then they have to deal with leadership. That means that everything going on under your leadership is your responsibility. We've let this slide as a society, letting leaders take credit for successes and then blaming others for failures.
I'm not sure what level in Mental Gymnastics is required to say that calling someone a "stone cold asshole" is "reporting".
Honestly, Matt gets my kudos if for no other reason because he's the bigger man (relatively speaking) by engaging in artful trolling instead of plainly undressed insults. At least that shit's potentially funny.
She said what everyone has been saying for weeks. The wording is also clearly her opinion, nothing hidden there. She also included Mullenweg's post so everyone can read the source.
Are you saying that journalists can never share an opinion? Also, are you trying to argue Mullenweg is only looking bad because of journalists? His own actions and words seem to be doing a pretty good job on their own.
>Are you saying that journalists can never share an opinion?
No. A journalist's job is to journal something and nothing else, it's literally their job name. Much like I do not expect nor want NTFS or ext4 to tell me what it thinks about my files, I don't want a "journalist" to tell me what it thinks about what happened let alone how I should think. That's not what I would read journalism for.
If a "journalist" wants to write their thoughts they should be an author, critic, commentator, influencer, or the like instead. They will still be cancers upon society, but at least they won't sully journalism.
>are you trying to argue Mullenweg is only looking bad because of journalists?
Matt dug his own grave, but "journalists" are definitely making it harder to have worthwhile conversations about him.
Your comparison between humans and machines is revealing. If you want a soulless computer to tell you what’s going on in the world, talk to Grok or something. Humans have personalities.
People can be multiple things at once as mind blowing as that may seem.
They can act in public as a journalist and at the same time have private opinions that they share on social media.
Just as programmers not only “design schedule or plan radio or television programs”, journalism is not just “journaling”
> Honestly, Matt gets my kudos if for no other reason because he's the bigger man (relatively speaking) by engaging in artful trolling instead of plainly undressed insults.
That is a pretty plainly terrible mindset, but one that I don't think is very uncommon.
Numbers have to be looked at on a per capita basis. There's also severity and frequency. The 'safest' sport I have done on an injury frequency basis is probably surfing. But when an accident does happen (outside of extreme spots), someone drowns or is bitten by a shark. Not very much middle ground.
BJJ while it looks dangerous is actually pretty safe. I have lots of small injuries but never very bad. Sprained fingers or errant black eye b/c you are in such close contact with people.
I think the most dangerous sport I've done is wakeboarding. So much so we kept ibuprofen in the boat. I finally 'retired' after tearing an ACL.
Then there's everything else in between like basketball and football.
It's also my (unproven) theory that combat sports are a lot safer than other intense sports.
For one, your partner tries to hit you but you are trained to defend yourself so most of the time you block/avoid the hits or at least do something to attenuate them.
Two, you wear protection in some of these sports.
And three, the philosophy of martial arts at least emphasises self control and you'll try to not hit as hard when your partner fails to block.
Competitions are another thing maybe, but who needs competitions...
The thing about many combat sports is not the short term injuries, but the long term CTE risk. Especially with the rise of meteoric rise of MMA, I think the community is going to have to take a hard look at blows to the head and choke-outs once there's been a few decades of data.
You obviously would prefer non-lead pipes, but running the water for a period before using flushes out any lead if the pipes are in the house. Like you say in your comment, it's when water sits in a container like a wine vat where leeching has time to accumulate.
Nowhere is perfect, but I see many places in the EU as a great lifestyle arbitrage. If someone made or can continue to make US level money while living in the EU, that's a great situation. Depending on the country, visas can be challenging, but most HN skillsets will qualify for digital nomad visas.
We bought a place 2 years ago and are in the process of fixing up (it was used as a vacation home).
The student is growing up in a world of technology. How can the homework be designed leveraging LLMs? Can some curriculums be accelerated assuming LLMs provide a new base? What is the goal of teaching? Memorizing formulas or learning to think? Do students gain any value writing a book report or is there more value writing an essay about how a book relates to a students personal story?
Anything that is formulaic in nature will likely end up automated. We should be teaching people to both leverage that fact and think creatively, even at 11 years old.
I think there’s something to be said about building up a personal knowledge base and automaticity with retrieving basic information to free up your working memory for more complex problems.
I’m still grappling with what this means now that LLMs have large enough context windows to ingest books.
reply