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djschnei

417 karma · joined February 7, 2014

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djschnei··on Suicide rising across the US
Suicide rates for non-Hispanic white Americans are the highest. Clearly, race isn't irrelevant.

> By race/ethnicity, non-Hispanic whites and American Indian/Alaska Natives had the highest rates of suicide, with rates for both groups showing notable increases across periods [1999-2007, 2008-2015] (from 14.9 to 18.1 and from 15.8 to 20.0, respectively). Rates among non-Hispanic blacks and Asian/Pacific Islanders and among Hispanics were much lower and showed comparatively modest increases across periods.

From https://www.cdc.gov/mmwr/volumes/66/wr/mm6610a2.htm

djschnei··on Suicide rising across the US
Lack of purpose I suppose. If I have enough money to pay rent, get trashed with the boys on the weekend, and buy cool things every now and then, why lift more than I need to at work?

When my dad was my age he just recently bought a house, got married, had a kid on the way. His effort in growing his small business made tons of sense. For me, if it wasn't for my personal drive to be great at my job - a job which I have a passion for (and I know luck has a lot to do with that) - why would a try harder than I need to? I'm not really responsible for anything, you know?

djschnei··on Suicide rising across the US
Young (white) men are completely lost in the US right now. The most exciting thing in the majority of my friends lives right now (23-26 years old) are the current challenges in Fortnite. Everyone is scared of longterm, meaningful relationships and Tinder provides the instant artificial validation to make those long-term relationships seem unnecessary. You're a tryhard if you have serious career aspirations or goals. We go to work during the week to get fucked up on the weekends. The common political/social narrative is that you're "the problem". If you're college educated, you're most likely drowning in debt. Most guys I know actively express feeling stuck in a rut or display behavior that strongly suggests it. This report doesn't surprise me at all.

Love him or hate him, agree with him or disagree with him, this is why Jordan Peterson rose to fame so quickly. Guys my age in this country are almost completely aimless and without meaningful purpose. This report doesn't surprise me at all...

djschnei··on Wells Fargo Hit with $1B in Fines
I would agree with these additions. This is basically the crony capitalism playbook.
djschnei··on Wells Fargo Hit with $1B in Fines
I guess I just don't care enough to ruin my life over it. It's a pretty interesting thing to think about, actually. To think that a bloody revolution was sparked over much less than what we put up with today... It's almost like Stockholm Syndrome.
djschnei··on Wells Fargo Hit with $1B in Fines
I object to most of the roughly 50% of my income that is taken from me and can't say I've ever been called a freeloader... That's an interesting point of view you have there; "either don't be a US citizen or never complain about tax policy".
djschnei··on Wells Fargo Hit with $1B in Fines
The deregulation we've seen is deregulation being pushed by people with ties to big banks. Not all regulation (or deregulation) is created equally...
djschnei··on Wells Fargo Hit with $1B in Fines
Well, taxes go towards some stuff I appreciate... plus I would probably be thrown in jail. So not sure that is a solution :p
djschnei··on Wells Fargo Hit with $1B in Fines
I was commenting on the lack of competition. Deregulating with the aim of making the barriers to entry into the marketplace smaller. Not deregulation to allow big banks to get away with more...

Also, I would guess with more competition from smaller banks, megabanks might actually act more responsibly.

[EDIT] but you are kind of proving my point, so thanks! I said "deregulation" so your mind is already made up on the point.

djschnei··on Wells Fargo Hit with $1B in Fines
That's interesting. Thanks for the resources. I wasn't aware of this.
djschnei··on Wells Fargo Hit with $1B in Fines
Not sure... just seems to be a reality.
djschnei··on Wells Fargo Hit with $1B in Fines
Was mostly a sarcastic question ;)

This pattern can be seen everywhere...

1) politicians regulate an industry with the best intentions

2) industry becomes a safe haven for "the big fish" that can pay to play

3) Rinse and repeat for a while, creating bigger and bigger barriers to entry into the marketplace. Politicians are happy, mega banks are happy.

4) Megabank inevitably does something reprehensible

5) politicians slap them with some fines. Fake remorse ensues...

6) go back to step 1

djschnei··on Wells Fargo Hit with $1B in Fines
Unfortunately, the massive restructuring you're referring to would likely need to be in the form of deregulation. It's unfortunate because deregulating something is typically a non-discussion. Our banking regulations make almost no distinction between massive, "too big to fail" banks and small community banks. Like most regulation, it's the massive companies that can foot the bill for complying with regulation, creating barriers to entry into the market.
djschnei··on Wells Fargo Hit with $1B in Fines
Where does the fine go? Does it get divvied up amongst the people affected by WF's wrongdoing?
djschnei··on Governments have overestimated the economic returns of higher education
well said. Or if free college is their end, then these are the means. Complete collapse.
djschnei··on Governments have overestimated the economic returns of higher education
1) the government wants more college grads (admirable)

2) the government makes it really easy to secure loans to go to college (short-sighted)

3) the market is oversaturated with demand AND buying power (because of the easy loans)

4) prices rise (duh)

5) now everyone is in crushing debt and a degree is far less valuable

Very simplified; but why is anyone surprised?

djschnei··on California Losing Residents via Domestic Migration
They were talking about fiscal policy. I.e "don't leave California, then push for the same policies here". But of course, you already knew that.
djschnei··on Men Are the New College Minority
I know... I was being super, super sarcastic.
djschnei··on Mothers who regret having children are speaking out
Personal responsibility?!
djschnei··on GOP net neutrality bill would allow paid fast lanes and preempt state laws
Dude, I am trying to understand your POV. F&$%# me right? People paying more for something that costs more to provide seems completely logical to me. The anti-competitive nature of the regional monopolies isn't fair and turns all the normal rules on their heads, I understand that. I wish we would fix that rather than regulating the monopolies.
djschnei··on GOP net neutrality bill would allow paid fast lanes and preempt state laws
So, I guess, my question still stands, right? I'm assuming this bypass costs money for the ISPs to provide. Why is it evil for them to charge people to use it?
djschnei··on GOP net neutrality bill would allow paid fast lanes and preempt state laws
Thank you for explaining your concerns in a civil way. So this is a hypothetical problem or something that's manifested in the past but regulation then stopped?
djschnei··on GOP net neutrality bill would allow paid fast lanes and preempt state laws
Yup, I don't hold your opinion so I am uninformed. Asked for your POV, but I'm too dumb to even attempt to explain it to. Must revert to personal slights and putdowns. Ahhhh, politics in 2017.
djschnei··on GOP net neutrality bill would allow paid fast lanes and preempt state laws
Breaking news Law proposed which would allow EvilCorp to charge more money for the services which cost more to provide.
djschnei··on GOP net neutrality bill would allow paid fast lanes and preempt state laws
Can someone explain to me how it's evil for them to charge more money for a "bigger pipe"? Their networks can only service so much traffic; not sure why supply and demand are seen as evil in this case.
djschnei··on F.C.C. Repeals Net Neutrality Rules
Never said I was an opponent or proponent of 'Net Neutrality'. I was merely commenting on the interesting turn of events where the obvious ramifications of a centralized bureaucracy 'hurt' the perceived well being of the people who typically argue FOR centralized power. For all my ill feeling towards the Trump administration, it has been extremely fruitful in providing situations which exhibit this hilarity.

As for your statement and question;

> Something needs to exist as a protection against corporate abuse. If it's not a centralized agency, then what? There's no self-correcting mechanism in capitalism that magically prevents companies from screwing with consumers

Couple points...

First, "There's no self-correcting mechanism in capitalism that magically prevents companies from screwing with consumers" gave me a solid laugh. Little thought experiment: let's say there are two alternate realities. In one of these realities, somehow, Starbucks is the ONLY way for you to get coffee. Somehow, they've completely ensured other coffee shops can't open (it's either too expensive for them to open or literally illegal). In the other reality, opening a coffee shop is easy! Starbucks hasn't colluded with any government agency to make coffee shop ownership too expensive or difficult to pull off. In which one of these realities do you think (the) coffee shop(s) would abuse their customer base(s), charge inflated prices, or provide lackluster serviced that rarely if ever are innovated on? I'm hoping for the sake of discussion, you understand my point. Scenario 1 is hardly a far stretch from exactly what has happened over the years in the ISP industry. The FCC is HARDLY innocent in creating our current dismal ISP situation. Open markets are THE system that prevents abusive actions towards consumers.

The second point, I am far from against the government protecting consumers from abuse by corporations. Fraud or anti-competitive behavior should be met with a stern legal response. But when the government played a huge role in creating an environment where we can't protect ourselves, I'm extremely dubious of any power grab attempted in the name of "we'll protect you". In an open market, I have a perfectly good mechanism for protecting myself which also happens to stimulate innovation, lowers prices, and improves the product/service.

So yea, an artificial monopoly has now been given more leeway in how they provide services to an already abused customer base... it's a bummer. However, I'm not keen on providing more power to the very people who helped get us here so that they can control the problem they created. Let's fix the root of the issue. Decry crony capitalism always - not just when it's 'the other guys' doing it.

And one last point... ISPs provide an extremely expensive and complex service to their customers. In what world are price controls and artificial monopolies a good idea? We need innovation in this space, not uniformity of service and centralized decision making. It's the internet, not the DMV. We should make it so ISPs have to win our usership by providing the best most valuable service, not by wielding the legislative process more effectively then there would be competition.

djschnei··on F.C.C. Repeals Net Neutrality Rules
Seriously! I'm playing the world's tiniest violin for 90% of people upset over this. Reaping what they sow, if you ask me.
djschnei··on F.C.C. Repeals Net Neutrality Rules
Hate to say "I told you so", but conservatives (sometimes) and libertarians have been warning the country for ever about the pitfalls of centralizing important things like this under an unaccountable federal bureaucracy. If you're opposed to this ruling, you're most likely reaping what you sow.
djschnei··on American Democracy Is Drowning in Money
You live in a fantasy world if you think our corporate and environmental regulations are limited to just the things that protect your rights.

"Simplifying the tax code would remove the government's ability to tax!" <-- analogous to your claim

I'm saying shrink, not eliminate.

djschnei··on American Democracy Is Drowning in Money
I'd write some document, call it the law-of-the-land, make everyone that wanted to stay agree with it, everyone else could leave. It would set up some very precise and strict rules about what I (the government) was allowed to do. I would let individuals cooperate as they see best. I would protect people's rights and punish those who infringe their neighbors. I'd probably follow these rules for a couple hundred years, then say "screw it" and do whatever I wanted.
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