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52-80

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Everything posted by 52-80

  1. Most of merch revenue goes to the team. Liberty Media owns the licensing around "F1" and race names and other properties and gets some licensing money from deals with merchants, but RBR can still sell "ORACLE Red Bull Racing Honda Tag Heuer" t-shirts all day long. Also, the merch king should always be Ferrari, no matter who drives for them and who drives for RBR.
  2. the real problem here is units of cups and fractions instead of using metric and decimals.
  3. 52-80

    Getting old sucks

    Wonder why they spend 8 years in school to perform that when they can do it for free behind the bush in Pease Park
  4. My guess is all the benefits will be retained , at least for a while , because Apple would want to maintain those perks and JPM's business can support it. GS' consumer profitability problem is they have twice the credit loss rate of JPM (unknown how much come from Apple card vs General Motors cards), and very high overhead and operating expenses relative to the revenue due to their smaller scale. JPM can run the card portfolio more efficiently, and probably better at credit assessment and collections.
  5. Opposite, GS is moving away from retail banking. They partnered on this Apple Card thing shortly after launching Marcus. I think theyre deciding the juice is not worth the squeeze.
  6. I think you meant to post this
  7. Prove it.
  8. 3% on Apple goods and select affiliated stores (including Exxon, CVS, and Uber) 2% on everything when you use Apple Pay (meaning both tap-terminals in person and also online shopping!) 1% on everything else Instant feedback in the app on what youve earned which is kinda neat too
  9. The real reason he got shot was for wearing those shoes.
  10. Whatever philosophies and processes Apple uses to ensure good user experience, its amazing. Decided to get the Apple Card on a whim. No annual fees so why not. Application was done through the iPhone Wallet app. Because Apple already has my email and address, all I did was enter birthdate, ssn, and income, and the card was instantly approved — and added to the app to use for Apple Pay. Start to finish it took all of 2 minutes from when I got the idea to when I had a new payment acct on the phone ready to go. When physical card got home, activation of it only needs an NFC tap of the phone…or instead just hit confirm in the app itself. No calling a number and talking to human or robot. No forex fees. Did a few foreign purchases and charge converted to 1% atop of market rate. With a 2% cashback reward, thats a net 1% earned — better than most native cards outside the US. The whole app to manage the account is just so much more pleasant than JPMC/AMEX/etc too… they really nailed the design.
  11. https://data.bls.gov/dataViewer/view/timeseries/NBU21900000000001428290 Percent of private industry workers with access to defined benefit plans in the West South Central census area: 11% You can also query union vs non-union stuff, people with frozen plans, people with grandfathered plans frozen to new employees, etc. It's a clunky tool and the underlying survey changed over time so different data are available in different time period and with different search conditons. https://data.bls.gov/dataQuery/find?st=0&r=20&fq=cg:[Geography]&fq=cc:[Census+Divisions]&more=0&fq=ccd:[West+South+Central]&q=defined+benefit
  12. Verstappen pouting and soft-threatening to leave the sport https://www.bbc.com/sport/formula1/articles/c0m0wwk7ejno On one hand, he's right that censoring curse words and being a rule-stickler such as on Sainz (I dont mean race conducts) is really schoolmarm behavior. On the other hand, lol, fuck him. Each race sells hundreds of thousands of tickets and F1 grows its revenue sequentially before and and after him. He might have leverage on Red Bull but not on Liberty Media.
  13. projection with current seeding makes sense given the teams locations
  14. "we" is doing some heavy lifting in this sentence.
  15. Older BLS Employee Benefits Survey 1980: 87% of employees participated in pension plans. Essentially, all were DB as DC as a concept didnt exist (?). 52% based on terminal earning, 32% based on dollar amount formula, 14% based on career earning formula 1985: 80% were covered by DB pension 1989: 63% participation in DB pensions; 48% in DC pensions. (things like profit sharing count, and so sum can exceed 100%) 1995: 50% of full-time employees had access to DB pension plans Newer BLS National Compensation Survey All private industry workers participating in defined benefits pensions, 1999-2006: ~20%. Series EBUDBINC000000AP All private industry workers with access to defined benefits pensions, 2010-2024: 19-15%. Series NBU21900000000000028290 If you're 65 now, you started a full time job in circa 1980. You would have had 15+ years of participation in a DB plan. And if my employer is like many other employers, you would have continued staying grandfathered into that plan. Same goes if you're ~50 y/o and joined in 1995. The winding down of the DB plan (from 1995-->today) transitioning to DC only pertained to employees who joined after that point.
  16. When I was young I always found the concept of fundraising fitness events so foreign. Wanna raise money to support a good cause? Sure. Im with you so far. How? By running a marathon. What? Yeah, just pay some money, and then you can run, and the money is donated to charity. OK, I get the money part, but whats running (or biking or whatever) got to do with it? And like, even without the charity component, people pay money so they can do something — exercising in group — that they can already do freely? Bizarre. And related to this, the idea of fancy charity balls and concerts and dinners and events. Those things dont seem cheap to host. Maybe you’ll net more donations for the charity simply by asking people for money, without having to pay for a musician, catering, and space at the marriott? It kinda seems like the running the event is the main purpose, and the charitable component is just a sidenote.
  17. My employer switched away from defined benefits pension in the mid 90s to D.C. and 401k model. @Reagan1khas a good post in the neighboring thread about their being unsustainable. In the 1950 post-war economic boom, the average lifespan was ~65y. In 1990 when that cohort retired, the average lifespan was up to ~75 and steadily increasing. The eligibility age didn't increase by 10 years. The math for a perpetual payout plan just doesn't pencil out unless you drastically lower the benefits. Having people get out from the pot what they put in seems a fair agreement.
  18. Atleast the dude finally gets fucked
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