[Doomsday Economics] Home of Kirbeh's FREE SLICE ($25 delivery fee)

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(Thread IKs: skooma512)

Shear Modulus: Jun 9, 2010

ex post facho posted:

Moralists don't really *have* beliefs. Sometimes they stumble on one, like on a child's toy left on the carpet. The toy must be put away immediately. And the child reprimanded. Centrism isn't change -- not even incremental change. It is *control*. Over yourself and the world. Exercise it. Look up at the sky, at the dark shapes of Coalition airships hanging there. Ask yourself: is there something sinister in moralism? And then answer: no. God is in his heaven. Everything is normal on Earth.

# ? Jan 12, 2024 17:32

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# ? May 25, 2024 17:42

triple sulk: Sep 17, 2014

euphronius posted:

so sales engineer is the person who talks to the customers and relays what they say to the engineers ?

no, they can just be useful for feedback. they handle at least most of the actual sales cycle

audible has 5% layoffs too

# ? Jan 12, 2024 17:32

Soapy_Bumslap: Jun 19, 2013; We're gonna need a bigger chode; Grimey Drawer

loquacius posted:

in a sane country, Pete Buttigieg would be in the reasonable conservative cryptofascist party

I have good news about the democrats

# ? Jan 12, 2024 17:33

Pittsburgh Fentanyl Cloud: Apr 7, 2003

I am not anxious about Trump's tweets. I hoot and holler and laugh at every single one

# ? Jan 12, 2024 17:33

Shear Modulus: Jun 9, 2010

Pittsburgh Fentanyl Cloud posted:

I am not anxious about Trump's tweets. I hoot and holler and laugh at every single one

remember when he Truthed that it was desantis's fault that florida state didn't get into the college football playoffs lol

# ? Jan 12, 2024 17:35

Pittsburgh Fentanyl Cloud: Apr 7, 2003

he was right

# ? Jan 12, 2024 17:37

loquacius: Oct 21, 2008

Pittsburgh Fentanyl Cloud posted:

I am not anxious about Trump's tweets. I hoot and holler and laugh at every single one

Yeah one of the main underlying assumptions of the Dem ethos which I've never understood on a fundamental level is the idea of being "worried about" what Donald Trump is tweeting

like, who cares, why would you care, what tweet would you possibly care about that wouldn't be just as bad in press conference form

# ? Jan 12, 2024 17:48

loquacius: Oct 21, 2008

the idea of Donald Trump holding a press conference to announce that it was DeSantis's fault that Florida State didn't get into the college football playoffs is actually even funnier come to think of it

# ? Jan 12, 2024 17:49

loquacius: Oct 21, 2008

remember when Kamala Harris made getting Donald Trump banned from Twitter a campaign plank and tried to score points off Liz Warren at a debate for not having a stance on it lol

# ? Jan 12, 2024 17:51

KirbyKhan: Mar 20, 2009; Soiled Meat

loquacius posted:

remember when Kamala Harris made getting Donald Trump banned from Twitter a campaign plank and tried to score points off Liz Warren at a debate for not having a stance on it lol

It's such bullshit that she fulfilled her campaign promise

# ? Jan 12, 2024 17:54

i say swears online: Mar 4, 2005

triple sulk posted:

they sometimes do proofs of concept and stand up demos that use customer data and poo poo so they can see if the product actually works for them

there's also post sales engineers who are basically glorified customer support

what's the difference between customer support and customer success

# ? Jan 12, 2024 17:58

OBAMNA PHONE: Aug 7, 2002

loquacius posted:

Yeah one of the main underlying assumptions of the Dem ethos which I've never understood on a fundamental level is the idea of being "worried about" what Donald Trump is tweeting

like, who cares, why would you care, what tweet would you possibly care about that wouldn't be just as bad in press conference form

they are obsessed with norms and decorum and don't understand that poo poo doesn't matter

# ? Jan 12, 2024 18:05

triple sulk: Sep 17, 2014

i say swears online posted:

what's the difference between customer support and customer success

the same thing that divides hr and talent

# ? Jan 12, 2024 18:11

Mandel Brotset: Jan 1, 2024

triple sulk posted:

the same thing that divides hr and talent

hear me out: customer talent

# ? Jan 12, 2024 18:12

spacemang_spliff: Nov 29, 2014; wide pickle

webcams for christ posted:

https://x.com/heimbergecon/status/1745697594989252770

feeling this very acutely at work rn

oh look an excuse to jack up prices even more lol

"no no it's not corporate greed it's those perfidious Houthis"

# ? Jan 12, 2024 18:13

Azuth0667: Sep 20, 2011; By the word of Zoroaster, no business decision is poor when it involves Ahura Mazda.

i say swears online posted:

sounds like the company axed all the salespeople who hadn't closed a single sale since onboarding

which honestly makes sense, but it's also why i'll never work sales. i know they make the big bucks but that lifestyle and precariousness and competition between employees always scared the poo poo outta me

Most people are too honest for sales too.

# ? Jan 12, 2024 18:24

anime was right: Jun 27, 2008; death is certain
keep yr cool

i say swears online posted:

sounds like the company axed all the salespeople who hadn't closed a single sale since onboarding

which honestly makes sense, but it's also why i'll never work sales. i know they make the big bucks but that lifestyle and precariousness and competition between employees always scared the poo poo outta me

working in sales support roles is better because you often get the highest salary for your experience without working on commission so the income is far more reliable and the work comes to you.

like really niche roles and software engineering pay more, but those often require some kind of "skill" or "knowledge"

# ? Jan 12, 2024 18:24

Ardennes: May 12, 2002

Btw, China probably had a decline in wages, because inflation is actually negative there at the moment. Their growth is projected to be 5.2-5.4% for 2023.

# ? Jan 12, 2024 18:27

err: Apr 11, 2005; I carry my own weight no matter how heavy this shit gets...

https://twitter.com/MilkRoadDaily/status/1745855772976685461

# ? Jan 12, 2024 18:47

Jon Pod Van Damm: Apr 6, 2009; THE POSSESSION OF WEALTH IS IN AND OF ITSELF A SIGN OF POOR VIRTUE. AS SUCH:
1 NEVER TRUST ANY RICH PERSON.
2 NEVER HIRE ANY RICH PERSON.
BY RULE 1, IT IS APPROPRIATE TO PRESUME THAT ALL DEGREES AND CREDENTIALS HELD BY A WEALTHY PERSON ARE FRAUDULENT. THIS JUSTIFIES RULE 2--RULE 1 NEEDS NO JUSTIFIC

WSJ: Airbus Shatters Record for Jet Orders as Demand Soars

Hon-hon-hon Nombre Monte

# ? Jan 12, 2024 18:49

FizFashizzle: Mar 30, 2005

euphronius posted:

what is a sales engineer ???

the least weird CS new grad from Georgia Tech.

Beached Whale posted:

Local coffee shop chain with 3 locations suddenly closed yesterday after their employees told management they were filing a union. They posted a tear-jerker instagram story about how they were operating for a loss for 8 years, but their community was so important to them they had to do everything they could to stay open and it just so happened they ran out of steam right when their employees started asking for things like "we don't want our tips stolen".

The owner is of course a typical leech dem rear end in a top hat. Tons of stuff on their socials about supporting anti-racism and being on the boards of local arts and justice orgs, but when it comes to fixing actual material economic disparity this guy really shows his true colors. There was another local coffee shop chain that tried to pull the "you can't unionize we'll just shut down the store" poo poo a few years ago and they got slammed by the NLRB so I'm hoping the same thing happens here.

I'm assuming you've looked them up on the PPP loans website?

# ? Jan 12, 2024 18:52

Mandel Brotset: Jan 1, 2024

err posted:

https://twitter.com/MilkRoadDaily/status/1745855772976685461

10000 is two numbers. 8300 is three numbers. :smugdog:

# ? Jan 12, 2024 18:53

Pittsburgh Fentanyl Cloud: Apr 7, 2003

FizFashizzle posted:

I'm assuming you've looked them up on the PPP loans website?

every fuckin time

# ? Jan 12, 2024 18:55

Sydin: Oct 29, 2011; Another spring commute

Pittsburgh Fentanyl Cloud posted:

every fuckin time

lmao

# ? Jan 12, 2024 18:59

Pittsburgh Fentanyl Cloud: Apr 7, 2003

I'm assuming all these PPP loans where forgiven amount > loan amount, they never even bothered making a single payment and just let interest accrue until the perfunctory forgiveness rolled in.

# ? Jan 12, 2024 19:02

Shear Modulus: Jun 9, 2010

what's the utilities they spent $1 on i wonder

# ? Jan 12, 2024 19:03

Woke Mind Virus: Aug 22, 2005

err posted:

https://twitter.com/MilkRoadDaily/status/1745855772976685461

thank you Joe for delivering about 10 identical ETFs for everyone to lose money

# ? Jan 12, 2024 19:05

Eric Cantonese: Dec 21, 2004; You should hear my accent.

I missed out by not buying BTC around 2016 when I was thinking about starting a Coinbase account. (I guess some of you guys were more tech literate and knew how to mine or buy some long before that too.)

I thought the fad had already played out. Oh well. It's 2023 and it's still going...

# ? Jan 12, 2024 19:09

Antifa Poltergeist: Jun 3, 2004; "We're not laughing with you, we're laughing at you"

Eric Cantonese posted:

Oh well. It's 2023 and it's still going...

Buddy

# ? Jan 12, 2024 19:15

fits my needs: Jan 1, 2011; Grimey Drawer

https://x.com/business/status/1745871026246852960?s=20

# ? Jan 12, 2024 19:16

Justin Tyme: Feb 22, 2011

price of bitcoin is directly tied to whether or not i finally buy some. the instant i do it will crash to 0 dollars. thts why i never will buy any and it continues to go up in value

# ? Jan 12, 2024 19:17

loquacius: Oct 21, 2008

fits my needs posted:

https://x.com/business/status/1745871026246852960?s=20

oh noooooooo we were about to tame inflation, we were THIS CLOSE, guess we can't now thanks to those darn houthis, oh well better just bomb them

# ? Jan 12, 2024 19:17

fits my needs: Jan 1, 2011; Grimey Drawer

https://x.com/Reuters/status/1745872168443847077?s=20

# ? Jan 12, 2024 19:18

skooma512: Feb 8, 2012; You couldn't grok my race car, but you dug the roadside blur.

Eric Cantonese posted:

I missed out by not buying BTC around 2016 when I was thinking about starting a Coinbase account. (I guess some of you guys were more tech literate and knew how to mine or buy some long before that too.)

I thought the fad had already played out. Oh well. It's 2023 and it's still going...

I literally work in IT and buying dogecoin took so many steps and so many signups to different places that I never completed the process and remained pure by never buying any poop.

I also resolved myself to never ever assist anyone in doing this either, because guess who old people are going to call to get to spoonfeed and do this process for them?

# ? Jan 12, 2024 19:18

Fitzy Fitz: May 14, 2005

Justin Tyme posted:

price of bitcoin is directly tied to whether or not i finally buy some. the instant i do it will crash to 0 dollars. thts why i never will buy any and it continues to go up in value

same, same

# ? Jan 12, 2024 19:20

Mr Hootington: Jul 24, 2008; I'M HAVING A HOOT EATING CORNETTE THE LONG WAY

webcams for christ posted:

https://x.com/heimbergecon/status/1745697594989252770

feeling this very acutely at work rn

Shipping rates are going up, up, up.

Sending best wishes to Yemen for continued success.

# ? Jan 12, 2024 19:22

euphronius: Feb 18, 2009

don�t worry we will just shift production to domestic firms

# ? Jan 12, 2024 19:22

Willa Rogers: Mar 11, 2005

Majority of debtors to US hospitals now people with health insurance

quote:

People with health insurance may now represent the majority of debtors American hospitals struggle to collect from, according to medical billing analysts.

This marks a sea change from just a few years ago, when people with health insurance represented only about one in 10 bills hospitals considered �bad debt�, analysts said.

�We always used to consider bad debt, especially bad debt write-offs from a hospital perspective, those [patients] that have the ability to pay but don�t,� said Colleen Hall, senior vice-president for Kodiak Solutions, a billing, accounting and consulting firm that works closely with hospitals and performed the analysis.

�Now, it�s not as if these patients across the board are even able to pay, because [out-of-pocket costs are] such an astronomical amount related to what their general income might be.�

Although �bad debt� can be a controversial metric in its own right, those who work in the hospital billing industry say it shows how complex health insurance products with large out-of-pocket costs have proliferated.

�What we noticed was a breaking point right around the 2018-2019 timeframe,� said Matt Szaflarski, director of revenue cycle intelligence at Kodiak Solutions. The trend has since stabilized, but remains at more than half of all �bad debt�.

In 2018, just 11.1% of hospitals� bad debt came from insured �self-pay� accounts, or from patients whose insurance required out-of-pocket payments, according to Kodiak. By 2022, the proportion who did (or could) not pay their bills soared to 57.6% of all hospitals� bad debt.

Kodiak receives every billing transaction for more than 1,800 hospitals across the US, a little less than one-third of all hospitals in the country. It was able to perform the analysis by looking at this in-house database.

The cost of healthcare in the US is a perennial political concern � it eats up more than 18% of gross domestic product, far more, and often for worse health outcomes, than in other peer democracies. As much as 31% of the cost of US healthcare is probably driven by the administration of complex bills that now beset the public.

Now, medical debt and its impact on Americans� lives is an issue of increasing political perseveration. A recent investigation by KFF Health News and NPR found more than 100 million Americans have medical debt of some kind, debt which often forces families to make heart-wrenching sacrifices.

In part, those sacrifices are driven by hospitals� extraordinary collection practices. Hospitals refer patients to aggressive debt collectors, use state courts to garnish wages, place liens on people�s homes and report debt to credit agencies, which can drastically worsen future job and housing prospects. Although there are some attempts to rein in these practices, billing analysts like Szaflarski say they do not address the core issue � health plans designed by insurers which force hospitals to become debt collectors.

�These stories really grind my gears,� said Szaflarski. �The idea of patient responsibility� � those deductibles and coinsurance requirements � �was not an idea created by healthcare providers. They were vehicles created by payers,� referring to insurers.

Ariel Levin, the director of coverage policy for the American Hospital Association, says the organization is discussing multiple solutions � such as removing hospitals from the billing equation entirely � to challenges they say are created by insurer decisions.

�Something else we�re exploring recently is how to remove providers from the cost-sharing altogether and require health insurers to collect it,� Levin said.

Even seasoned professionals such as Levin have found it hard to decipher hospital bills, such as when her baby needed surgery.

�It was really hard to look at my plan, even though I should be able to read the fine print and understand,� Levin said.

Deductibles have come under particular scrutiny as the share of workers subject to high deductibles has risen in the last decade. There is not a single definition for a high-deductible health plan, but typically such plans require a payment of $1,000 or more before insurance kicks in for a single person � though costs can soar far above that. Because deductibles reset every year, they can be especially punishing for chronically ill patients � and they can be far more expensive than $1,000 a year.

�Obamacare� plans � that is insurance plans people buy as individuals on state exchanges � are notorious for such high deductibles. Federal regulations allow insurers on state exchanges to charge an individual as much as $9,450 out of pocket in 2024 � not including monthly payments called premiums. That limit is predicted to grow to $14,100 by 2030. And because healthcare costs are rising faster than wages, those expenses are predicted to eat up an ever-larger share of Americans� paychecks.

Notably, it is unclear whether rising costs for patients alone explain the breaking point the Kodiak analysis saw in 2018. George W Bush signed an act in 2003 allowing insurers to sell such plans, and they quickly grew to represent about 30% of the private employer insurance market by 2012. That proportion remains about the same today, and �cost-sharing� has continued to increase across all kinds of health plans.

�We have seen now that a lot of the debt we purchase and get rid of is also for insured patients,� said Ruth Land�, vice-president of hospital relations at RIP Medical Debt, and the former leader of a hospital billing team. RIP Medical Debt purchases hospitals� debt portfolios and forgives the debt � part of an effort to relieve Americans of a burden many see as tacitly unfair.

Further, patient advocates criticize bad debt as a metric in its own right. Hospitals view bad debt as bills patients could pay but choose not to. But hospitals rarely screen patients for their ability to pay, and a raft of evidence shows patients who experience medical debt are often low-income and would probably qualify for discounted or free care if they went through hospitals� lengthy application process.

Land� said when RIP acquires debt portfolios and matches accounts with third-party income data, it often shows the vast majority of patients with past-due debt would probably be eligible for free or discounted care if their finances were assessed. RIP provides debt relief to people with income that is four times the federal poverty level or less.

�It�s obvious to [hospitals] that if someone comes to them and is uninsured there�s a need there,� said Land�. �But if they�re insured,� and can�t afford their insurance, �their processes and systems are not designed to detect that need.�

This article was amended on 11 January 2024 because the American Hospital Association�s Ariel Levin did not say all hospitals would prefer to remove themselves from the billing equation; rather, Levin discussed that as a possible solution to some of the challenges created by insurer decisions.

gosh, I wonder if one out of every three adults in the country having medical debt is one of the reasons voters trust their lyin' eyes over the lyin' peons intent on gaslighting them. :iiam:

(also lmao that deductibles are growing so fast that they're gonna match the expanded medicaid income threshold of $19k one of these days.)

# ? Jan 12, 2024 19:24

Mr Hootington: Jul 24, 2008; I'M HAVING A HOOT EATING CORNETTE THE LONG WAY

fits my needs posted:

https://x.com/Reuters/status/1745872168443847077?s=20

War

# ? Jan 12, 2024 19:25

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# ? May 25, 2024 17:42

triple sulk: Sep 17, 2014

https://www.amazon.com/fulfill-request-respectful-information-users-Brown/dp/B0CM82FJL2

# ? Jan 12, 2024 19:30

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