I think student debt is the safest of all. It can't be discharged in bankruptcy anymore. Further, it's typically guaranteed by the government on top of that. Credit cards are a poor comparison I think.
That's great if you sleep on your back but side-sleepers aren't going to be happy on a hard mattress, the shoulder becomes a single point of contact with the bed. I'm not convinced that people accustomed to sleeping in one orientation can easily change to the other. Although I would be curious if anyone has anecdotes about that.
The debt I've seen my peers saddled with has typically been 6-10%, issued mostly in the recession/post-recession years of low interest rates. It seems like exceedingly high interest to me when mortgages and car loans are half as much.
What part of the world is that? In the US it's typical to have 2 16-18 week semesters per year, usually with a job or internship for 10-12 weeks in the summer.
Fact, you say? I think you're right about the psychology here but if you're going to assert that state management is factually bad please provide some support to that.
I think it's become a meme, something many writers use without considering whether both affluence AND race are significant in a given situation. They often are and so I suspect some people use them together without thinking in situations when they're not.
There's a significant gulf between "I'll take care of it" and "figure it out yourself". I'm not really disagreeing with anything here, to be clear. But I think there's a place for useful instruction too.
I'm relatively young and have to say that awareness of that increasing gap has significantly influenced some of my life's decision-making. By the time I was coming up, the trend was clear and so factored in goals and plans. I think I've made it to the side of the divide where I'm not at great risk of falling over, but it's unfortunate to see some of my peers who were less informed or less cynical finding themselves on the other side with progressively less opportunity.
Can I ask what parts you're referring to specifically when you say "replace the suspension"? My car is past 100k at this point and I'm looking forward to what might need to be done to keep it reasonably nice.
I do NLP with medical notes. What I have observed is that the redundancy between the note and information available elsewhere in the EHR in structured formats is pretty high, as is the amount of boilerplate (e.g. section headers and list templates that may not be filled in).
This makes machine learning using the notes difficult since the content is so muddied up. It's far from impossible to do useful things with them but there is a lot of noise. Still, some things require us to look at the notes. For these things we would much rather have them than not.
While it's preferred to have the information entered in a structured way, doctors find that more of a hassle than entering in the data free-text and it's also no good for retrospective analysis where we didn't know several years ago we would be interested in something and so no structured field existed.
They're certainly not obligated to reduce tax expenditures. This is the commonly repeated falsehood that the fiduciary duty of a company to its shareholders obligates them to do anything and everything within the law to maximize profit - but that's incorrect. The fiduciary duty is much broader and can be respected while not blindly maximizing profit.
That's because Congress was trying to kill the PO, by making them fund pensions far in advance of what would be necessary to cover their obligations.
"What if your credit card company told you: 'You will charge a million dollars on your credit card during your life; please enclose the million dollars in your next bill payment'... Well, that’s what the U.S. Postal Service’s requirement to prefund its long-term pension and healthcare liabilities is like."[0]
I've gotten into NLP somewhat in the last 2 years. In my case I was aware of a large body of text data we (data science dept) weren't doing anything with and pitched some project ideas to my director about how we might make use of it. We took a "built it and they will come" approach and I set up a text processing infrastructure using some open source NLP software and Elasticsearch to parse and index our documents as they come in.
~12 months after we started that we got a request for an event detection model using data that only existed in our text database, so I was able to put the infrastructure we set up to use.
Setting up that infrastructure with good text parsing defaults was a good intro to NLP although I have been intentionally avoiding getting too deep into the NLP-specific methods (e.g. linguistics) for this project. The event detection model gave me a nice focused project to work on which was very helpful for learning more NLP.
FWIW I actually chose not to use ML for this project (aside from parsing with the NLP software) despite that being the easier route since we lacked sufficient training data to train a good model. But in general one would probably need to know how to use ML for this sort of thing.
Hopefully this will be a useful anecdote though it's probably not compatible with your situation.
I'm not going to defend what he said, but if you look at the interaction it clearly took two to get into a juvenile Twitter fight, the other guy was no paragon of class himself. That aside, while it wasn't OK for Musk to say that, the blowback was IMO indeed disproportionate. How many other millions of horrible but effectively inconsequential statements on Twitter are routinely ignored? The guy's livelihood wasn't ruined and Musk was roundly rebuked.
I have been playing a bit of D&D recently with friends. When we play it's also an occasion to bring a variety of beers to sample and share around. I wonder if this would be off-limits in any sort of community center or public library? I suspect it would be. Those sort of restrictions and delineations of use would seem to be an integral part of what makes it hard to gather publicly. Certainly laws against open containers would make public parks off-limits for this sort of thing as well. And it's not that alcohol, in this example, is required to have fun in groups, but IMO these sort of rules/laws do add up to discourage group gatherings in public.
Indeed. It's worth considering as well that even when analyzing actual data what seems like a relationship between two variables can be wiped out or inverted by the addition of other variables into the model. It's important to include all relevant variables into the model to know how two variables really interact.
Often they don't know themselves. It takes an elaborate back and forth negotiation with the insurance company to come to a final cost even when you wind up on the hook for it.
They'll tell you the exact opposite once you get your bill and they're trying to collect. I just had that conversation with a provider myself, after I got the bill.
That's all fine and good if the democracy actually works. If it has been subverted by a corrupt elite then a desire for a real functioning liberal democracy by a vast majority of the populace can be handily written off as populism using that same definition. It's quite a convenient to define the term in a way that makes it vaguely pejorative, in that case. The fact that you set it up as a contrast to liberal democracy is a good illustration of that. Populism, like elitism, can be right or wrong for a given situation depending on context and policy details.
That's not a good comparison, you're neglecting the cost of actually building the non-roundabout intersection and just looking at the cost of the signs. Consider the cost to build each from scratch.
100 years ago the 1918 flu killed 100,000,000 people. That seems like something worth preventing a second time if we can. All the sanitation in the world isn't going to counteract the fast global transportation network we (and disease) enjoy today.
It's entirely fair to consider the possibility of malice as a subconscious motivation among some people. The very frequent blind application of Hanlon's razor seems to me to be almost worse than ignoring it entirely.
You're indicting the entire premise of modern safe sex. Either condoms are rarely used and people cannot be taught to use them reliably, or you're wrong. The low infection rate in industrialized countries with good sex education and readily available condoms suggests you're wrong. Contrarily, abstinence hasn't been demonstrated to work anywhere.
The fallacy that MGM and FGM need to compete rhetorically is a significant hurdle in the discourse. Too many people see it as an unnecessary game of one-upmanship for some reason.
You can add to that a large part of why circumcision was promoted in the US originally was to control men's sexuality (see: Dr. Kellogg[1] - incidentally he also promoted using acid to circumcise girls). You can bet that the idea of desexualizing African men appeals to a certain subset of fearful white Americans.
That may be an inflammatory statement but if one looks at some of the more extreme corners of internet opinion it's not hard to believe. That said I wouldn't expect most people who the idea appeals to to admit it, but given that science is obviously not on the side of those promoting circumcision one has to look for possible motivation elsewhere.