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bkberry352

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That's for the corporation as a whole and counts the net of investment profits and insurance losses. If you open their earnings release, you can see combined ratios over 100%, indicating that the total cost of operating the insurance is negative, but this is offset by investment profits (as the original commenter mentioned - they make money off the float).

Answered in their FAQ[1]:

Decommissioning by boosting an object to a higher “graveyard” orbit to extend orbital lifetime is often done with smaller satellites operating near geostationary orbits (~36,000 km in altitude). This is not a realistic target for space station decommissioning because of the large mass of the space station and distance from its operational altitude to a “graveyard” orbit. Existing propulsive assets (spacecraft) do not have the capability to raise the space station’s altitude to such a high target.

[1] https://www.nasa.gov/faqs-the-international-space-station-tr...

Reinsurance doesn't make the problem go away. Sure it caps State Farm's exposure to these correlated events, but it won't bring their combined ratio into balance. State Farm would still be on the hook for the first $XXX million in losses. I would also expect it to be harder (read: more expensive) to buy the reinsurance given the increasing risk.

That's more or less what the data you linked to[1] demonstrates: a us average 3.5% increase per year. Not a median though, a mean. The median increase is probably more like 2% per year, but a lot of that seems to be localized to areas that didn't recover after 2008. If your area recovered after 2008, we can assume it's in demand and likely to continue to appreciate faster than the median, or closer to the 3% figure.

[1] https://www.visualcapitalist.com/20-years-of-home-price-chan...

That's already happening in the sense that companies are able to offer these discounts for their telematics-using customers by surcharging all their other customers. If you're not using one of these devices, you're already paying for it, even if it's not formally recorded as a fee.

Telling this first is a good way to have every company think that 5 days/week is an organizational requirement and brush off the candidate. Having the candidate wait until after the interview puts them in a much stronger negotiating position, namely it forces the company to assess whether or not 5 days a week is a legitimate requirement or not. Many parts of the interview process are unfair to candidates, such as not advertising salary ranges in advance, forcing candidates to take vacation time to attend interviews, etc. This is merely a way to balance the scales away from the company, which generally holds almost all of the power in a negotiation, especially at the start, before an offer is made.

It's the opposite where I am: landlords raising rates to capture more of those sweet student loan dollars. The policy of making access to credit cheap and ubiquitous for students has led to drastic growth in rents (in addition to a large expansion in college amenities and administration). That's what's pricing out locals: students paying for housing with borrowed money.

Can you put some money into instruments to hedge against rising interest rates? Something like TBT comes to mind (it's a fund that's short treasuries basically, so increases in value when interest rates rise) or buying puts against long bond funds.

Other commenter is right that a Bachelors and passing the exams are required. The work certainly does get boring, but is extremely stable with, usually, excellent work life balance. It's very possible (in the US) to spend ~7 years working/studying to pass the exams and now you can make 150-200k USD/year while averaging 35 hours week for the remainder of your career.

One major difference in comparison to software is the extremely long project timelines. Loss model refits/remodels are planned years in advance, it can easily take 6 months back and forth waiting on states to respond to filings, etc.

I've never signed a piece of paper with my pay before starting in the us, and I've worked several jobs here. For a few, I've not received a "formal" offer letter, just had discussions with the recruiter.