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52-80

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Everything posted by 52-80

  1. Whatever philosophies and processes Apple uses to ensure good user experience, its amazing. Decided to get the Apple Card on a whim. No annual fees so why not. Application was done through the iPhone Wallet app. Because Apple already has my email and address, all I did was enter birthdate, ssn, and income, and the card was instantly approved — and added to the app to use for Apple Pay. Start to finish it took all of 2 minutes from when I got the idea to when I had a new payment acct on the phone ready to go. When physical card got home, activation of it only needs an NFC tap of the phone…or instead just hit confirm in the app itself. No calling a number and talking to human or robot. No forex fees. Did a few foreign purchases and charge converted to 1% atop of market rate. With a 2% cashback reward, thats a net 1% earned — better than most native cards outside the US. The whole app to manage the account is just so much more pleasant than JPMC/AMEX/etc too… they really nailed the design.
  2. https://data.bls.gov/dataViewer/view/timeseries/NBU21900000000001428290 Percent of private industry workers with access to defined benefit plans in the West South Central census area: 11% You can also query union vs non-union stuff, people with frozen plans, people with grandfathered plans frozen to new employees, etc. It's a clunky tool and the underlying survey changed over time so different data are available in different time period and with different search conditons. https://data.bls.gov/dataQuery/find?st=0&r=20&fq=cg:[Geography]&fq=cc:[Census+Divisions]&more=0&fq=ccd:[West+South+Central]&q=defined+benefit
  3. Verstappen pouting and soft-threatening to leave the sport https://www.bbc.com/sport/formula1/articles/c0m0wwk7ejno On one hand, he's right that censoring curse words and being a rule-stickler such as on Sainz (I dont mean race conducts) is really schoolmarm behavior. On the other hand, lol, fuck him. Each race sells hundreds of thousands of tickets and F1 grows its revenue sequentially before and and after him. He might have leverage on Red Bull but not on Liberty Media.
  4. projection with current seeding makes sense given the teams locations
  5. "we" is doing some heavy lifting in this sentence.
  6. Older BLS Employee Benefits Survey 1980: 87% of employees participated in pension plans. Essentially, all were DB as DC as a concept didnt exist (?). 52% based on terminal earning, 32% based on dollar amount formula, 14% based on career earning formula 1985: 80% were covered by DB pension 1989: 63% participation in DB pensions; 48% in DC pensions. (things like profit sharing count, and so sum can exceed 100%) 1995: 50% of full-time employees had access to DB pension plans Newer BLS National Compensation Survey All private industry workers participating in defined benefits pensions, 1999-2006: ~20%. Series EBUDBINC000000AP All private industry workers with access to defined benefits pensions, 2010-2024: 19-15%. Series NBU21900000000000028290 If you're 65 now, you started a full time job in circa 1980. You would have had 15+ years of participation in a DB plan. And if my employer is like many other employers, you would have continued staying grandfathered into that plan. Same goes if you're ~50 y/o and joined in 1995. The winding down of the DB plan (from 1995-->today) transitioning to DC only pertained to employees who joined after that point.
  7. When I was young I always found the concept of fundraising fitness events so foreign. Wanna raise money to support a good cause? Sure. Im with you so far. How? By running a marathon. What? Yeah, just pay some money, and then you can run, and the money is donated to charity. OK, I get the money part, but whats running (or biking or whatever) got to do with it? And like, even without the charity component, people pay money so they can do something — exercising in group — that they can already do freely? Bizarre. And related to this, the idea of fancy charity balls and concerts and dinners and events. Those things dont seem cheap to host. Maybe you’ll net more donations for the charity simply by asking people for money, without having to pay for a musician, catering, and space at the marriott? It kinda seems like the running the event is the main purpose, and the charitable component is just a sidenote.
  8. My employer switched away from defined benefits pension in the mid 90s to D.C. and 401k model. @Reagan1khas a good post in the neighboring thread about their being unsustainable. In the 1950 post-war economic boom, the average lifespan was ~65y. In 1990 when that cohort retired, the average lifespan was up to ~75 and steadily increasing. The eligibility age didn't increase by 10 years. The math for a perpetual payout plan just doesn't pencil out unless you drastically lower the benefits. Having people get out from the pot what they put in seems a fair agreement.
  9. Atleast the dude finally gets fucked
  10. He made 7 completions of 15 yards or longer. Another long completion (to Moore?) was called back for penalty. A few mid to deep balls were just within grasp. Remember all the hand-wringing about Quinns bombs being off the mark even with NFL speedster Worthy as the target? Dude is going to be a treat for Sark when he gets the full time job.
  11. I like that Sark is just letting him sling it. Low risk game for him to work through the playbook. And Sark loves having QBs that can execute all the passes.
  12. theyre wrong he's the best
  13. Hes got 130 yards and 2 TDs in 1 quarter.
  14. The zip on his intermediate throws is insane.
  15. Dude lost his woman and goes on a john wick streak. Respect
  16. i want him to find Theo and thrash him with a switch.
  17. good one ESPN
  18. the dark ages were dark
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