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I already got a heat pump water heater and I love it! I'm totally in the market for a heat pump heater to replace our Heater/AC. the primary concern are three things: up front cost, and electricity costs for heating and 3) performance. the last quote I got was about 11K, so that's pretty steep. and on top of that heat pumps don't perform well for heating: it has to be on most of the time and will struggle to increase temps.

i think it has to do with the vast oversupply of labor (at least for white collar jobs). employers generally pick people with degrees of people without because there's just too many candidates.

but he's back to where he started in the beginning. I didn't sound like there was any more self actualization, after he went back.

I ran the numbers average wages/big mac index. And it was showing a decrease in cost untill about 2000 but ever since then the cost of the big mac index has increased in the US, relative to average wages. Not that we should be eating big macs, but it's supposed to take a variety of inputs into account.

I don't think food has gotten that much cheaper in the last 50 years. Don't believe the fake CPI. Just take the average hourly earnings and divide it by something like the big mac index or a basket of food commodities.

And yet, over 80% of the cost of food is the bringing it to market cost: everything from transportation, to permitting to marketing, etc. what you pay the farmer is just a small fraction.

I think what's needed is a revolution in where food is produced and cheaper ways of bringing food to market.

cost controls are a form of rationing and a good one, at least for the field of healthcare.

i'm just wondering how Meta will fair IF the metaverse doesn't take off the way they expect. I mean it's such a big bet. Google has made many bets in the past and some worked but most did not.

well, it's not the root cause. there's many reasons why healthcare is way too expensive in america. the fact is that employers pay a huge sum for healthcare in the US and this makes up a sizable portion of your compensation. if you earn 50K and the health insurance for your family costs 20K per year, that's pretty big.

the solution of course is to get those healthcare premiums lowered: that's going to require some kind of rationing.

I would say consumers should organize, and target a few of the biggest companies supporting this bill and boycott their products until the bill gets changed. If nobody buys another iphone for 6 months, I don't think they'll have any choice but to get the bill undone. right?

i for one, hope that the AI will mostly stick to analyzing the content, rather than search intent because Google has had a history of misreading my search intent, quite frequently.

It's not useless at all. There are countries where the average workers earn 5 times less (even PPP adjusted) than our minimum wage and they don't rack up vast amounts of credit card debt, car loans, etc.

We first need to start changing our values to be more financially conservative. Once that happens and voters start making these values apparent to politicians, they can take actions that will help reduce costs for citizens.

Failure of financial literacy is not because eduction has a lack of funding. The subject isn't even being taught, at least not when I was in school.

Crop diversity is great. And you also need lots of organic matter to go on top of the soil: to build life in the soil. that's much better than trying to duct tape the matter with fertilizer.

Well, that explains why our water is so high in nitrates. I've been looking into our local water supply. Out of the over 200 contaminants, the one that exceeds the EWG's limit by the most margin is nitrates which is said to come from fertilizer run off.