mercyandgrace

ปีที่แล้วdiscuss

This provides a good overview. There are some good sources within if you want to dig deeper.

https://www.tracingwoodgrains.com/p/the-faas-hiring-scandal-...

mercyandgrace

3 ปีที่แล้วdiscuss

Deaf = hearing impaired. Dumb = speech impaired.

What do you find so offensive about the "/"?

mercyandgrace

3 ปีที่แล้วdiscuss

>It's RAID for banks.

Just wanted to say this is such a great analogy. Thanks.

mercyandgrace

3 ปีที่แล้วdiscuss

> Because the message here is that they will be criminally charged, if they don’t honor the election and the peaceful transfer of power.

With something completely unrelated? That's a concerning viewpoint.

mercyandgrace

3 ปีที่แล้วdiscuss

>The question is in what way(s) does it matter whether deposits are insured without limit in a single account, which is new, or with limits when spread across an arbitrary number of accounts, which isn't?

It matters because only 1 (SVB) bank failed. If those depositors had their money swept across multiple banks this point would be moot.

Edit: If deposits are spread about multiple banks, the FDIC does not need to carry as large of a balance to cover the loses of any single bank, which results in less indirect fees to depositors of different banks.

mercyandgrace

3 ปีที่แล้วdiscuss

>The FDIC insures the entirety of the deposits either way.

This is new with SVB. I get the whole "250K minimum" argumemt, but this is the first where we are seeing major 10M++ depositors getting 100% guarantees.

I don't see issue with spreading money across smaller banks - other than perhaps they may not be able to assess risk as well as larger banks. But again, SVB.

I think one thing to keep in mind is that most bank depositors hold far, far less than the 250K guaranteed by FDIC. By a large margin. Id be surprised if the average was above 10K. There are $17T in deposits across the country [1]. The FDIC at the beginning of the year had $128B in balance as insurance to depositors [2].

[1] https://fred.stlouisfed.org/series/DPSACBW027SBOG

[2] https://www.fdic.gov/analysis/quarterly-banking-profile/inde...

mercyandgrace

3 ปีที่แล้วdiscuss

This is it. I run oil mostly, but have a propane fire place insert in the event of a power outage. While it is insuficient to heat my entire home, and every pipe in my house may burst from the cold, at least my family will be able to stay warm.

mercyandgrace

3 ปีที่แล้วdiscuss

>But I'm pretty confident that "put today's gas furnaces in everybody's home" is the appropriate way of attacking that problem.

Did you mean "is not". And I never suggested this. But certainly there are vulnerable populations that should be considered.

If the purpose of this legislation is to improve "indoor air quality", as another poster suggested, why not educate the populace and allow them to make the decision for themselves?

mercyandgrace

3 ปีที่แล้วdiscuss

Very true. But that is not the only alternative gas heating appliance available either.

mercyandgrace

3 ปีที่แล้วdiscuss

Looks like the AVG low in the Bay Area is about 45? I suppose that isn't that cold, however, in the event of an extended electrical outage, those with gas appliances can still heat their homes. Those without cannot. I think the merit of the parent comment still stands.

I live in New England and utilize heating oil primarily. Even that won't work without electricity.

mercyandgrace

3 ปีที่แล้วdiscuss

I'm not sure I'm following. If the FDIC only needs to insure 1/400 of all deposits, then they only need to have on balance 1/400 of the total funds. So the cost to all accounts is in effect 1/400, no?

If customers are only utilizing a single bank, and the FDIC will insure all deposits regardless of amount, they would need 400 times as much than would be necessary if the balances were swept.

mercyandgrace

3 ปีที่แล้วdiscuss

Insurance only pays out to $FDIC_INSURANCE_LIMIT if a bank fails. I can't say what the scenario looks like where 400 banks fail simultaneously, but I can image it would not be good. I'm not sure the current FDIC payout models account for that, either.

mercyandgrace

4 ปีที่แล้วdiscuss

Twitter <> Yoel Roth. It's clear from the emails attached in the link that there were other people within Twitter being contacted.

mercyandgrace

4 ปีที่แล้วdiscuss

Two Sundays ago:

https://www.reviewjournal.com/crime/homicides/police-believe...

>Las Vegas police provided more details Tuesday morning in the discovery of a body at Lake Mead National Recreational Area.

Homicide Lt. Ray Spencer said they believe the body found in a barrel Sunday was a man who died from a gunshot wound.

“We’re going to expand our time frame of the murder to the middle to late 1970s to early 80s,” he said Tuesday morning, citing the clothes and shoes the man was wearing.

Spencer said officers discovered the shoes the man was wearing were sold at Kmart and manufactured in the middle and late 1970s.

The barrel was found Sunday near Hemenway Harbor because of dropping water levels in the lake.

Spencer previously said it is possible the barrel was dumped in the lake from a boat.

“The water level has dropped so much over the last 30 to 40 years that, where the person was located, if a person were to drop the barrel in the water and it sinks, you are never going to find it unless the water level drops,” Spencer said in an interview Monday. “The water level has dropped and made the barrel visible. The barrel did not move….It was not like the barrel washed up.”

mercyandgrace

4 ปีที่แล้วdiscuss

I really like Stephen Few.

https://www.perceptualedge.com/

mercyandgrace

5 ปีที่แล้วdiscuss

They have admitted to flagging content already - whether the information can be deemed 'harmful' is debatable.

https://www.youtube.com/watch?v=zqEvQKO5_gM

mercyandgrace

5 ปีที่แล้วdiscuss

About

Lobsters is a computing-focused community centered around link aggregation and discussion, launched on July 3rd, 2012. The administrator is Peter Bhat Harkins ("pushcx"), contact him with any support issues. Lobsters was created by joshua stein with careful design touches to encourage a healthy community:

    a tagging system to categorize and filter submissions,
    a user invitation tree to combat spam,
    flag explanations to curb punishing disagreement,
    a strong commitment to transparency,
    and many more features that have been added over the years.

mercyandgrace

5 ปีที่แล้วdiscuss

There is no path out for Type 1. However, the amount of insulin needed in greatly impacted by diet and excercise. More specifically, how many carbs you ingest and the efficiency which your body utilizes insulin.

https://www.amazon.com/Think-Like-Pancreas-Practical-Insulin...

mercyandgrace

5 ปีที่แล้วdiscuss

You can't find VT on the map?

mercyandgrace

8 ปีที่แล้วdiscuss

Funny enough, I was at Beer Park. Needless to say I will not be going back.

mercyandgrace

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