Over enough observations, the odds of it never hitting becomes exponentially less likely.

At 300 ball pulls, the odds that not a single black ball is pulled is less than 5% At 500 ball pulls, the odds are less than 0.7% At 1000 ball pulls, the odds are 0.004%

And at every single one of those pulls, the nice person subsidized you with what is known as expected value. It might not have hit, but the fact that they were willing to take the hit if it did has se value to it.

You might not get in a car crash every day, might not even get in one in a decade. But having coverage to cover the damages from accidents had value in terms of car insurance

Fair. But they allege they've never suffered a loss. So if that $200 never happens, then what?

Before I researched this book, I didn’t. Reading multiple accounts of 2016 and 2020 changed my mind, however. Was there a concerted effort by journalists? No, but journalists generally lean left and, in an effort to thwart Trump, they collectively threw their weight behind the “best” Democratic candidate in each primary season—the establishment candidates, in other words. I don’t think this was conscious or in bad faith. It just resulted in a lot of coverage portraying Bernie as a third party candidate instead of as a serious contender for the Democratic nomination.

One example that comes to mind is the “Bernie Bros”—often talked about in the media, but not something I saw in the crowds at his rallies, which attracted diverse crowds/ Check out The Fighting Soul by his former campaign manager Ari Rabin-Havt for specifics. It’s an eye-opening book.

Do FHLB’s affect my ability to use my VA Home Lon?

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Do you percieve an anti-Bernie/leftist bias among corporate media outlets?

How much inventory is blackrock and airbnb really taking out of the market?

There are too many incentives for investment managers to buy up housing and close to zero regulations against them.

These managers amassing mass blocks of housing collect all sorts of management fees to help investors who want the attractive yields of real estate ownership without dealing in the day to day aspects of being a landlord. By centralizing all of the operational aspects of being a landlord, they’ve created an investable asset class with high returns and a huge underlying industry able to support a ton of investment.

Now, everyone from pensions to insurance to individual investors get to have the upside of owning houses without the pesky downsides of chasing tenants for rent or evicting them.

To me what's baffling how few questions people have (and on the same term how little the CS from banks know). I have a whole bunch of mortgages and I read each and everyone of them. For many people these are defining moments in their life yet few seem to even take notice of what they are about to sign. I have always questions, banks often don't mind tailoring small adjustments accordingly. These agreements strangely enough also don't seem to be standardized, I get sometimes from the same bank a couple mortgages in a single year and the agreements vary occasionally. On top as said, the banks customer service seldom seem to be well versed in what's going on.

Lets say you have a game where someone draws a random ball out of a bag of 100 balls. If it is white, you get $1. If it is the single Black ball in the bag, you have to pay that person $200. You wouldn’t want to play this game as it doesn’t benefit you much, and over the long run you actually lose money.

Well, someone comes along and says “Hey! I noticed you don’t want to play this game. What if every time someone draws the black ball, I pay it for you for free! So all you do is collect $1 every time its drawn with no risk to you?”

Of course, you love free money so you say yes.

20 new people draw a ball and they’re all white, so the nice person offering to pay if you lose hasn’t actually paid anything yet.

Does that mean the nice person hasn’t given you anything of value?

The nice person assumed the ~10% risk that one of the people would draw a black ball, and at $200 a ball that means they subsidized you $20 roughly.

This is in essence what’s happening here. Taxpayers are bearing the credit risk of these loans without the benefits.

The more detailed answer is that by being able to borrow money with the full backing of the taxable income of the United States, these loans have become seen as essentially “risk-free” and thus the borrowers do not have to pay credit risk. In the same way that someone who has great credit pays a lower rate than someone who’s just defaulted from a couple loans, having a government sponsored wrapper around your loan essentially makes your rate comparable to that which the US government itself borrows at. This is quite unfair, because hey, I would also like to borrow at SOFR MINUS a spread. Why can’t you offer me a 30Y loan at the Current 30y Treasury rate of 3.56%? Why do I have to pay 7%?

OP is privately verified.

Isn't 14 a bit too ypung to be a director?

Have you ever had a problem with people calling you Corn Hurl aka Cornhole?

I’ve worked with many different traditional publishers, and self-published some work. Self publishing can be difficult, lonely, and expensive! I prefer working with publishers when I can because then I can concentrate more on the writing process.

To get a publisher, you first need A) a completed novel and B) a literary agent. The agent shops your manuscript to acquiring editors at publishers. So step one is to get that novel finished! And step two is to make a list of agents to query (usually agents who represent authors in the same genre you write) and to send them emails asking if they’d like to read your manuscript. I would not be concerned with them taking an idea, though—ideas are a dime a dozen. Execution is what matters. I submitted my first book to 10 agents. 7 never responded, 2 rejected me, and 1 signed me…but for my next book. She didn’t like the one I submitted, but liked my writing.

So we should go bankrupt then buy a house ? I don't understand.

Hello Mods, I have uploaded confidential proof at the link.

Never lived there, but I did visit in 2021 to get a feel for the state and found it much different than I was expecting. In many ways it reminded me of Oregon, where I lived for a couple of years. It’s definitely a unique place, with a lot of undeveloped wilderness…and a lot of tourists and part-time residents.

What are the dumbest regulations you face regularly?

Did you ever live in Vermont or go there in the name of research for the book? I have, and think it has many similarities to Kentucky, Its a very unique place.

Thank you, this is very helpful. And encouraging.

There are many jobs in most industries that only require a bach degree as the baseline education, with no preference for specialization.

You could still qualify for data science/data analytics jobs with just excel, and a bit of updating yourself online (eg Lynda) on R or python. It just depends on the learning curve you would be willing to put the effort in.

The main question is to find some areas you think you would be good in and try a few of those. Tailor your resume to a few different types, then adjust as you find out what you like/don't like. I have met some folks who were high school teachers that have turned into HR Training and Development Specialists, Meditators, and some who have worked as managers in government. In regards to jobs that work less with people, there is payroll and bookkeeping, although in some regions, you may need some certification/licensing (check your local postings to see), but generally those are considered easier to get into.

Thank you for doing this.

I'm an American who studied economics and have spent the past few years working overseas in international development. Not long ago, a parent became very ill and I returned to the US to provide care.

In the process, I've sent out resumes to local organizations and companies trying to find a way to make ends meet. I rarely even get confirmation that my resume was received. I explained my situation in my cover letters, saying that I wanted a career change. Given the radio silence in response, I am convinced that instead of looking at my time abroad as a sign of initiative, cultural sensitivity, and managerial experience, I was deemed a professional leper. Meaning, HR staff perhaps thought: we don't do any work in (name of polysyllabic country), we don't want anything to do with that.

It is almost as though I would be better off just listing my college education and leaving that part off -- a multiyear gap in employment would at least not get my resume put in the "square peg" pile.

Can you guide me on how to adapt my strategy or at least get in the door for an interview?

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Thank you for doing this. How did you go about finding your first publisher? Any tips for any neophytes with an idea for a book that they would like to market without it being taken?

Thanks, thought so