374 karma · joined June 16, 2016
Here's a study looking at mortality rates and causes for pipe smokers. At the absolute worst, the top end of the confidence interval, the mortality rate goes from ~1.3% per man year to ~1.7% per man year if you are currently smoking a pipe and surprisingly lowers to ~1.2% per man year if you previously smoked a pipe. [1]
Over 20 years that adds up to an increase of about 6% in your chances of death.
Like all good things in life it has risks attached. Know the risks; enjoy it in moderation. It's a risk, but I think people tend to blow it out of proportion. Probably has something to do with people underestimating the base cancer rate.
[1]https://academic.oup.com/jnci/article/96/11/853/2520796/Asso...
[1]http://www.marketwatch.com/investing/stock/wmt/financials
"...in which the plaintiffs alleged that Medicare contractors were inappropriately applying an “Improvement Standard” in making claims determinations for Medicare coverage involving skilled care..."
Edit: Let me also add this; when you sign up for health insurance you're entering into a contract with the insurer. They have to be up front about what they're providing and it's your obligation to understand what you're buying. With the government you don't get that. You get whatever the vanilla flavour of healthcare coverage is today. There's no contractual obligation, only whatever the government says is right today. You don't get a guarantee. Because there's no contract you can point to, even if you're legally allowed to sue (and I don't think you are.) you won't have a case to stand on.
Closer to 30% and that doesn't include maintenance costs and insurance which are _VERY_ significant.
>Should I charitably assume that you've just never heard of insurance?
I've been charitable by not bringing it up. It costs ~40-50% of your gross income from a rental property where I'm from.
>That 80% of the rent which goes into their pockets after...
Point me to where I can make that kind of money and I'll quit my job today. I'm sure I would have absolutely NO trouble at all getting a loan if I was pretty much guaranteed an 80% profit.
>Many landlords end up not fixing stuff that breaks.
If it's in the lease that they will (It's in mine.) Then sue them. If not, fix it or move. I've yet to see a lease that didn't include timely repairs.
>If land ownership were illegal and it were simply rented from the government...
It pretty much is. What do you think property taxes are? When you pay for land you're just providing an incentive for another party to cut their lease short.
>Not possible while they own deeds to the land. Ownership of the land is the part that lets them be parasites.
Land is cheap in a lot of places. Sometimes much cheaper than renting. The barrier to buying land varies, but sometimes renting is a better option.
EDIT: Don't forget about property taxes! Those eat up a pretty big chunk of the rent too. They're usually a couple hundred a month. Let's be nice and call that 10% although it's generally much larger.