You can protect yourself, but many won't be aware of the situation until it's too late, and institutionally managed funds won't be able to change their rules in time to avoid holding these as part of the index funds they hold.
I've only used cabs a few times, but it seemed to be the operators were both. They were squeezed deep into the economic margins, and they were also often terrible to their passengers.
Same for Uber/Lyft, but they really tried to earn a good review while still providing a pretty unpleasant experience.
People seem to have very strong feelings about the subject (myself included), and some seem to think there's only one correct conclusion.
Renting an apartment and owning a home have so many differences that it doesn't make much sense to compare the two.
Many people seem to assume they'll be moving every few years, but if you want to stay in the same place for life the equation looks very different. I hope to be done paying the mortgage around the same time I'm too old to work for a living, and if that lines up it's a pretty big win on the own instead of renting side.
You may not be able to properly let dollar cost averaging do its thing if you rely on your job to invest, since there's a high correlation between periods where people are out of work and periods where asset prices are lower.
I like to read human comments because I'd like to know what my fellow humans think. I'd prefer not to read low-effort, throw away comments, but other than that I want to know what people think about different topics.
Some seem to think that math is somehow above plumbing, but modern society couldn't exist without both, and I'd argue that modern plumbing is more critical to our health and well being than modern math.
I'm absolutely going hunting for some nearby payphones this weekend!
In the recording on this one [1] the caller states that the payphone is on the caltrain station platform, but on the map it's about 1000 feet from there. Searching the address on google maps correctly shows it at the station, though.
As a man who's never wanted kids, and is now getting to an age where it probably wouldn't be a good idea, those weren't really the big factors for me.
Having a kid is just an unfathomably large commitment. If you bring a kid into the world, I believe you're responsible for creating the conditions where that kid can grow into a healthy, well adjusted adult, and that's seemed like an increasingly impossible commitment for the past few decades.
The 30 year fixed mortgage is an insanely good deal, and I say this as a guy who has one. The monthly cost can only stay the same (and decline due to inflation) or decline if interest rates fall and you refinance or adjust the loan. If interest rates go up, you're completely protected.
A mortgage may be more than rent for a similar place now, but I suspect it won't be that many years before the lines cross.
The shoppers at costco vary drastically by location. If you have more than one warehouse reasonably close by, it may be worth your while to try them all.
Dollar General and their ilk are behemoths compared to the shops that might have served these areas before they rolled in. It's possible they're the only game in town because they engaged in dumping or other dirty/illegal tactics to drive out established businesses.
I'm not an expert on the topic, but I don't think it's a reach to think that they might have engineered this situation.
Absolutely. I work at a school where the food is OK, but just, and the school across the street has very good food. One of our students used to sneak into the other school in the mornings for breakfast. He made the mistake of bringing the food back to our school where people asked questions, and pretty soon the other school knew he wasn't their student and banned him.
Something seems really off to me about different kids within a couple hundred feet of each other getting drastically different quality of food.
There are some extra weird things going on, though. Many people are simultaneously getting poorer by economic/financial stability, and have less access to medical care and safe housing, but at the same time enjoying more luxurious vehicles than ever and ordering door dash multiple times per week.
I'm not criticizing people in that situation. Many people close to me wouldn't have a chance no matter how thrifty they were.
This is not some "revealed preferences" situation either. Something very harmful is happening, and it's not easy to see exactly what it is or why it's happening, though I suspect increasing wealth inequality plays a big part.
I have an old card printer that I only use occasionally, and firing up a windows 7 virtual machine is (was?) the most convenient way to do it. I think it's not so uncommon to have old devices around that don't work with newer versions of windows.