You see this in Spanish a lot too. Diaz is son of Diego, which is still a common enough name. But there seem to be many more examples where the corresponding name is now rather uncommon from what I can tell. I am thinking of examples such as Menendez, Ortiz, Juarez, and Ordonez.
OP stated he was hoping for more supply, or at least leas demand relative to supply. I stated why that may not work out. I said nothing about supply declining more than demand.
Yes, high mortgage rates should temper demand somewhat, all else equal. But the effect may not be as large as you might expect given the increasing prevalence of all-cash buyers.
Unfortunately, high mortgage rates also work to reduce supply. A lot of homeowners who locked in 3-ish% mortgage rates in the last couple years don't want to move unless absolutely necessary, because that would mean refinancing at a higher rate.
Looking for a home is stressful, but keep saving and be patient. I wish you good luck.
Many of the examples make this article hard to take seriously. For example:
> Your landlord is telling you what colors can be used for paint inside your apartment (if you live in a rent-controlled apartment): You should be able to do what you want with your property.
If you have a landlord, it is by definition NOT your property. Also, what difference does it make if its rent-controlled or not?
> Being required to get an ID card when getting on an airplane: People shouldn’t treat innocent individuals like criminals simply because they want peace of mind.
"Being required to get an ID" does not equal "being treated like a criminal."
I also would have expected to see some mention of civil asset forfeiture.
"Desde la puerta de La Crónica Santiago mira la avenida Tacna, sin amor: automóviles, edificios desiguales y descoloridos, esqueletos de avisos luminosos flotando en la neblina, el mediodía gris. ¿En qué momento se habia jodido el Perú?"
"From the doorway of La Crónica Santiago looks at the Avenida Tacna without love: cars, uneven and faded buildings, the gaudy skeletons of posters floating in the mist, the gray midday. At what precise moment had Peru fucked itself up?"
La conversación en la catedral, Mario Vargas Llosa
> Ray Dalio's radical transparency idea is one example
May be worth to note that, as far as I know, radical transparency at Bridgewater does not extend to salaries. (Source: Was offered a job there about a decade ago). Maybe I am wrong or it has changed since I last checked, but even the link you posted is just a small sample taken from the H1B database, not something published by Bridgewater.
I'm not arguing for or against the idea, I just think its interesting that one of the companies most associated with the idea of radical transparency in the workplace doesn't extend that philosophy to compensation.
I'm only aware of ELSA [1], which claims to give feedback on pronunciation, intonation, vocab and grammar (and possibly more). My wife has several friends who are non-native speakers and use it primarily for pronunciation, and they have reported good results.
As a native english speaker, I don't have a use for it but I would love to see something similar in other languages.
So I'll just leave an answer here. Credit cards, when they are issued to college-aged kids with little to no income or assets, are typically issued with very small credit lines (i.e. we're talking much smaller amounts than students loans) and/or require a co-signer, like a parent with an established credit history.
Many credits card have points/airline miles/other stuff you can earn with your purchases. So as long as (1) the bill doesn't add fees for using a credit card, and (2) you are paying your credit card balance in full each month (and thus incurring no interest charges), it can be more advantageous to pay with a credit card.
Even if you are not earning extra points, using a credit card may be helpful for some who are trying to establish a credit history, which will be important if they wish to borrow larger sums (auto loans, home mortgages) in the future.
Women are, in general, hypergamous, meaning they are looking for men who are "above" them along some dimension: wealth, status, looks, education, etc. I can not find the link, but I read somewhere once that something like the "top" 80% of women are competing over the "top" 20% of men. In other words, the "bottom" 80% of men are un-dateable for those women. That is how you end up with the situation described.
I don't find it that odd. As I'm sure you know, there are fairly large differences in pronunciation. Larger than the differences between European and Latin American Spanish, for example. I read once somewhere that in Brazil, if a Portuguese person is being interviewed on TV (on the news, for example), often times they will add subtitles. I am also learning Portuguese and whenever I search for resources, I make sure they are for the Brazilian variety.
I bombed more interviews than I can remember, mostly when I was a senior chemical engineering major in college looking for a my first job (more than a decade ago). We had numerous companies come to campus to interview. Despite having grades towards the bottom of my class, I got interviews for most, but zero offers. (Well, I did get one offer eventually, at the very end of the spring, after most of peers had already locked up jobs in the fall).
In addition to my relatively weak grades, I attribute my failure to a lack of experiences, maturity, and confidence. The STAR interview method was big at the time (maybe it still is) and I had trouble with those. Possibly my peers were more prepared as they typically had relevant internship experience that they could draw on whereas I did not.
Some of the questions that I can remember struggling with:
- Give an example of a time you had to change direction on a project due to budget constraints.
- How do you handle ambiguity?
- Give an example of a time you solved a problem using common sense.
Eventually I was able to improve my interview performance by compiling every question I could remember or find in books on interviewing, and practicing my responses in the mirror over and over again until the answers came out naturally. I believe my grades were still a limiting factor, however.
Several years later I was interviewing for an energy trading position in Baltimore. They setup a call with me for what I thought would be a fairly run of the mill phone screen. Instead, there were two hiring managers on the lines who proceeded to ask me a number of statistical/quant questions that I was unprepared for and had to stumble through while sitting in a park without so much as pen and paper to help me reason through them. At the end of the interview, I asked for their e-mails so I could follow up. After a short pause, they said no, that they would be in touch with me. Of course, I never heard from them. Months later, I bought a book on Wall Street interview questions/answers and the first 2 or 3 were the exact questions, word for word, that I had been asked.
I understand that US banks are not in an enviable position here. As the article mentions, they don't want to run afoul of US sanctions towards Venezuela by facilitating transfers between people connected to Maduro. Still, I hope that they do not crack down too tightly and allow Venezuelans to continue to use their services. With their local currency effectively worthless, being able to transact in dollars is literally a lifeline for many people. (Unfortunately there are many more who don't have even that)
You are correct that it means they expect margins to increase. One possibility is that ARM has higher margins as you mentioned. Another is that they are making some assumptions about how much they can reduce certain expenses by, and once you factor in those savings, margins go up.