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SeniorMoment's Comments

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A High-School Diploma Is Pretty Much Useless These Days

A High-School Diploma Is Pretty Much Useless These Days

Commented May 30, 2014 at 00:42:56 in Business

“Actually that is not true in a lot of places. Many community colleges will accept applicants who pass a test in each subject area considered required from high school as long as the applicant is at least 18 or in Washington state a Junior in high school attending college through the Running Start Program whether for one class or all classes. That is a good thing because in Washington state it also is common to see college students need five years of study to get their Bachelor's degree, so it saves a year of tuition and other expenses to get that year while in high school..”

Brian Gilmer on May 30, 2014 at 17:23:44

“What you say is true but that does not change the assertion that part of the value of a HS diploma is that in most cases it is require to move on the higher levels of education.”
A High-School Diploma Is Pretty Much Useless These Days

A High-School Diploma Is Pretty Much Useless These Days

Commented May 30, 2014 at 00:38:41 in Business

“It is lucky that IBM stopped making both. Its PC's with the micro-channel bus was among the few not considered IBM PC standard compliant and that buss design was never widely adopted outside of IBM. Before the sale of the PC operation to Lenova though IBM had begun to use industry standards.. We bought some IBM typewriters and they were always breaking down in the early versions. That helped Wang replace typewriters with its word processer.”
A High-School Diploma Is Pretty Much Useless These Days

A High-School Diploma Is Pretty Much Useless These Days

Commented May 30, 2014 at 00:33:42 in Business

“I imagine it depends on the kind of technician. IBM has a lot of different types of technicians and services a large variety of equipment. A growing field is solar electric and wind electricity turbine maintenance, but with the size of the shafts in the wind turbines that is not a job for someone with a fear of tight spaces and solar electric systems can be hot in summer sunlight. Nevertheless that is now a rapid growth occupation. It doesn't take an engineering degree to clean and grease the bearings in the wind electric turbines, which I think is one of the most routine parts of that job.”
A High-School Diploma Is Pretty Much Useless These Days

A High-School Diploma Is Pretty Much Useless These Days

Commented May 30, 2014 at 00:29:39 in Business

“Several kinds of engineering, like civil engineering of highways and bridges is a boom and bust business. Some engineers even compete for jobs around the world depending on where the demand for their type of work is.”

Andrew956 on May 30, 2014 at 07:13:12

“when I was a kid at career day (in the 70's), I was told the job market was poor for EE, so I went into finance/economics/accounting”
A High-School Diploma Is Pretty Much Useless These Days

A High-School Diploma Is Pretty Much Useless These Days

Commented May 29, 2014 at 21:41:26 in Business

“Executive compensation in the USA is by far the highest in the world and it is unjustified. The sole reason this is happened is the power of the CEO to decide who to appoint to his or her Board of Directors, and it is they who decide both their own pay and that of the CEO and senior managers.

In fairness though to employers that provide decent health insurance, the cost for providing that insurance have skyrocketed as Prescription Drug Manufacturers especially have gorged money out of the National economy by excess pricing and trying to collect all of their global profits from the USA, which to come in around 11th in measures of health care among nations like infant mortality, hospital acquired infections, longevity, etc. took 50% more than in the EU to cover 80% of the people versus the 100% the EU nations cover.

I had got so bad before the Affordable Care Act that prices were even raised to offer the biggest plans large percentage discounts and almost no two customers unless on the same state's Medicaid, or federal Medicare pay the same price (like with airline seats). A few years ago I asked a big chain's pharmacist how he can find price without a computer and he said he can't because chain was participating in about 10,000 pharmacy benefit plans, some of which had as many as 2,000 sub plans all with different terms and covered prescriptions. That cost money to do.”

Terrett on May 30, 2014 at 08:29:03

“Answer: Medicare for all. *Poof*. Massive expenditure shifted to who should actually pay. End corporate subsidies--particularly in the non-renewable energy sector--and legalize mj to pay for it. Two birds, one stone. I know this is highly essentialized. But hopefully you get my drift: it's not a very hard problem to solve. All thats' missing is will.”
A High-School Diploma Is Pretty Much Useless These Days

A High-School Diploma Is Pretty Much Useless These Days

Commented May 29, 2014 at 21:20:49 in Business

“I don't expect low wage gains to last more than 2 or 3 years more at the outside simply because the Baby Boom Generation has started to retire and the following generation is smaller. Economist expect a 15 year labor shortage, and the law of supply and demand will force wages up.”

Terrett on May 30, 2014 at 08:35:52

“Please be right, please be right.”
A High-School Diploma Is Pretty Much Useless These Days

A High-School Diploma Is Pretty Much Useless These Days

Commented May 29, 2014 at 21:18:14 in Business

“Big businesses are so flush with cash they are actually lending money to banks on special terms. They are being extra cautious because of having been burned in The Great Recession, but they have enough money on hand to do practically any reasonable expansion. If this isn't true of your company right now you may want to start looking for another job because most companies have not staffed back up to the level of employees they had before the Great Recession.

Part of the stagnation in wages both for college graduates and others is because employers have not collectively passed on to employees and shareholders, other than top management, any of the savings from productivity improvements in several years.

Walmart is even learning the consequences of the spreading of its own stingy wages to its competitors as it is now closing stores because of the reduction in the Food Stamp program and less discretionary spending. The average household, after adjusting for inflation has not seen a wage increase beyond inflation in 25 years in spite of historically extremely low interest rates to borrow money, stock prices that have basically returned for most companies to at least year 2000 levels, a huge surplus of funds that could be invested (more than $1 trillion in idle funds in corporate treasuries), and modest expectations from shareholders because of low interest rates competing for investment dollars. Those earning at or near the minimum wage have actually seen a large decline in living standards.”
A High-School Diploma Is Pretty Much Useless These Days

A High-School Diploma Is Pretty Much Useless These Days

Commented May 29, 2014 at 21:04:31 in Business

“You and I have the same suspicion about G. W. Bush's education, but realize that some of his folksiness is a deliberate act. I don't see how anyone can finish any college's bachelor or masters programs as a steady drunk without cheating in some way including perhaps as you suggest.

Speaking as a college graduate who was a supervisor early in my career in a peculiar situation where I basically had no boss to consult even and once was left out of the organization chart so the personnel office signed a leave slip for me because my unit and I were still there. I was simply trusted to get the job done but never given any personnel management training in college or in the work force. Instead I was handed the Personnel Manual and shown my office and told the supervision of 7 employees was in another manager's area and she might dispute my authority.

It isn't always the young college graduates that are at fault when they fail as a boss. It is often their boss. The staff told my wife that I mellowed a lot when I started going out with her, and it was true, but it was also true by then I was working on current assignments and not trying to finish 2 prior years of unfinished work, sometime even sleeping in my office chair overnight from fatigue.”
A High-School Diploma Is Pretty Much Useless These Days

A High-School Diploma Is Pretty Much Useless These Days

Commented May 29, 2014 at 20:55:50 in Business

“If you really think having a high school diploma is useless now and replaced by a college diploma then try finding a job outside of agriculture and some type of construction labor jobs without even a high school diploma. A son tried that and realized on his own that he had no future, so he went back to finish his diploma and do college, but I would have been satisfied if he had just finished high school and become a journeyman electrician or plumber. Those are better paying jobs than just about all entry level B.A. college jobs and don't require borrowing money and foregoing 4 or more years of earnings to attend college.

With my family it is more a matter of pride to finish college and become a more balanced person than an essential for personal satisfaction. It is contagious because his wife is also going to college now and getting a business degree.

American needs all workers, not just college graduates. Just try getting a job good job with a Ph.D. in Philosophy or Theater, and computer jobs are not a guaranteed future either unless you are better than all of your foreign competition for those jobs. My wife taught a class that was criticizing the career goal of one of its own who wanted to be a construction worker, while most wanted computer work. They rethought their position when she asked, "Are you going to live in the box your computer arrives in?"”
Pro-Gun Group Backs Down After Chipotle Rally Backfires

Pro-Gun Group Backs Down After Chipotle Rally Backfires

Commented May 28, 2014 at 13:26:45 in Business

“I won't go to a restaurant if I see other than a police officer(s) there with guns in plain sight, regardless of any state's laws. Guns just invite trouble. If a person has a need to carry a gun I don't want to be an innocent bystander of the trouble they are trying to protect themselves from. And, if they have no actual need to carry a gun and do so that is even more dangerous because they may be paranoid or otherwise mentally ill and thus not someone I would trust.”

Brian Gilmer on May 29, 2014 at 09:54:34

“I actually left a when armed police came into the business. It is most likely they were there for lunch but why risk getting shot if they are there on police business?”
Mitt Romney Rips Anti-Obama Police Official's 'Vile Epithet,' Calls On Him To Resign

Mitt Romney Rips Anti-Obama Police Official's 'Vile Epithet,' Calls On Him To Resign

Commented May 21, 2014 at 09:06:54 in Politics

“All the New Hampshire state legislature needs to do is repeal the law that allows or requires formal police commission in such small towns where the social consequences of official misconduct can be more negative than official actions. A town of only 6,000 people can't afford a lot of bureaucracy. so the position he fills should simply be abolished and let the town manager deal with such things all of the time. We pay public employees so we don't have to do all of their work ourselves, like patching the roads we use when they get potholes, etc. Town managers have to be reasonable responsive to elected representatives of the city who pay them, but obscure posts like a seldom needed police commission is excess bureaucracy.

As long as this man is on the Police Commission the town is at risk of being sued by any minority job applicant for having a hostile work environment and that is the only time the federal government needs to be involved.”
Paid 'Menstrual Leave' For Women: Special Treatment Or A Necessary Benefit?

Paid 'Menstrual Leave' For Women: Special Treatment Or A Necessary Benefit?

Commented May 21, 2014 at 08:38:34 in Women

“All employees should be able to take both paid (up to an earned benefit limit) and unpaid sick leave, but menstrual pain is merely one category of pain that deserves neither special consideration. nor extraordinary payments. All employees should earn a sick day per month of work and be rewarded for a fraction (half or less) of what they don't use by the end of employment. They should also have the option of using vacation pay for such a purpose without arguments about vacation pay needing pre-approval of vacation time off.

Whether paid or unpaid an employer has a right to demand a medical excuse from your doctors for as little as that is worth in this type of case. In other words if it is a chronic problem with every period it is not unreasonable the employee consult a doctor for what medications may help and allow them to work as scheduled.

Just indiscriminately given some employees special consideration is often a facial violation of laws, depending on the reason. In other words awarding the employee of the month a day off is fine. All benefit like for care of a new child, needs to be available to both spouses. Only a fraction of women that menstruate get enough menstrual pain to warrant time off and special consideration for them could even anger other women employees who don't need the time off and won't be paid the same if they use too many sick days.”
Why Costco Is Crushing Walmart-Owned Sam's Club

Why Costco Is Crushing Walmart-Owned Sam's Club

Commented May 17, 2014 at 11:49:13 in Business

“A smart shopper NEVER assumes anyone is always cheaper. Actually know the approximate price of competitors on everything you buy.

A store can't give you a better price on a product that what its buyers get from manufacturers or producers and that varies literally moment to moment. Walmart cuts the margin of its suppliers so much though that a lot of people simply refuse to do business with them at all. A old business commentator on radio, Paul Harvey as I recall, commented that it isn't the volume of business you do that makes a profit but the profit margin earned on the sales. The discounts the largest customers get everywhere can actually backfire because it exposes your company to much greater risk if that large company fails and suddenly you are out a small fortune that you were only making a 1% margin on.

Even with Costco I was surprised to learn prices on the same products are not nationally uniform at the stores. Stores may differ in which lot of merchandise was bought and in delivery cost as well as sales volume per square foot or per employee. No store is kept open if it can't return enough profit to justify its use of capital for inventory and space. Some promotionally priced items may be uniformly priced regionally or nationally, but that is only a small part of what the chain sells.”
Why Costco Is Crushing Walmart-Owned Sam's Club

Why Costco Is Crushing Walmart-Owned Sam's Club

Commented May 17, 2014 at 11:38:36 in Business

“Don't forget how the greed of Sam Walton's heirs figures into Walmart and Sam's Club planning. Sam would be embarrassed since he even drove around in an old pickup and put customers higher in importance than currently by the corporation. The Walton family supports a foundation but it is very small compared to the size of the business in my opinion.”
Why Costco Is Crushing Walmart-Owned Sam's Club

Why Costco Is Crushing Walmart-Owned Sam's Club

Commented May 17, 2014 at 11:16:59 in Business

“I should add at one point about 20 years or so ago in our prior state we had memberships in both Sam's Club and Costco but noticed that comparable merchandise although a little cheaper at Sam's Club was consistently inferior to what Costco carried. A perfect example was a 12 volt TV with built in VCR player (remembering our dual memberships were many years ago) that were visually identical except that Costco for a slightly higher price had the model with a remote control while Sam's Club had the stripped down product. I doubt much has changed.”
Why Costco Is Crushing Walmart-Owned Sam's Club

Why Costco Is Crushing Walmart-Owned Sam's Club

Commented May 17, 2014 at 11:14:12 in Business

“The price of membership in Costco is misleading because my family has an executive membership which costs $100 per year, but because of the 2% rebate that come with purchases including gasoline, we have never paid more than a net of $10 to renew the membership, and in the past when we had dependent teenage boys we usually netted at least $30 profit on the membership annually through the rebates.

Members also fully know that Costco employees are both better paid and better treated by management by Costco even though that has sometimes been a point of friction with investors who don't realize many of us give Costco preference only for that reason. The store would not be thriving if investors got their way on wages and lowered them. It would just become one of many discount stores which include far more than just Sam's Club and Costco nationally. We also shop at an employee owned grocery store, Winco. Employees and investors need equal standing in the profits of the companies because neither could exist without the other. The problem with many corporations today is actually they share profits with neither investors (dividends plus capital gains) nor employees (wages and benefits) and I am not talking profit sharing per se but net value to the person.”

SeniorMoment on May 17, 2014 at 11:16:59

“I should add at one point about 20 years or so ago in our prior state we had memberships in both Sam's Club and Costco but noticed that comparable merchandise although a little cheaper at Sam's Club was consistently inferior to what Costco carried. A perfect example was a 12 volt TV with built in VCR player (remembering our dual memberships were many years ago) that were visually identical except that Costco for a slightly higher price had the model with a remote control while Sam's Club had the stripped down product. I doubt much has changed.”
Ted Cruz Readies Second Attempt To Peg Obamacare Repeal To Budget Deal

Ted Cruz Readies Second Attempt To Peg Obamacare Repeal To Budget Deal

Commented Nov 22, 2013 at 07:20:44 in Politics

“Senator Cruz only cares about the support of his financial backers and they are happy with his work, whether or not the voters in his state feel the same remains to be seen. This is his first term in the U. S. Senate after all.”
Ted Cruz Readies Second Attempt To Peg Obamacare Repeal To Budget Deal

Ted Cruz Readies Second Attempt To Peg Obamacare Repeal To Budget Deal

Commented Nov 22, 2013 at 07:17:36 in Politics

“Cruz seems to be a closet Libertarian, and if that fits, he doesn't want government doing anything and his ideal would be to return to a liaise fare economy of let the buyer beware and businessmen that are now regarded as Robber Barons.”
Ted Cruz Readies Second Attempt To Peg Obamacare Repeal To Budget Deal

Ted Cruz Readies Second Attempt To Peg Obamacare Repeal To Budget Deal

Commented Nov 22, 2013 at 07:14:42 in Politics

“Loss of doctors as companies change which health insurance company or plan they use has been true for at least 20 years, so why did anyone think that would change with ACA. Doctors negotiate contract rates with health insurers and probably even some large employers directly. Medicare and Medicaid have been the only plans with a stable pool of participating doctors. Basically people with those plans can go to any doctor who will accept the government price for services.”
Ted Cruz Readies Second Attempt To Peg Obamacare Repeal To Budget Deal

Ted Cruz Readies Second Attempt To Peg Obamacare Repeal To Budget Deal

Commented Nov 22, 2013 at 07:05:57 in Politics

“Ted Cruz doesn't seem to care at all that the entire health care system has spent hundreds of millions of dollars making changes to conform to the ACA and hospitals agreed to give up $750 million in future reimbursements. Stopping the ACA now would be very disruptive to the entire economy since health care is such a significant share of it and one of the primary obstacles to even competing with the European Union which provides everyone health care for a third less per person.”

donrah on Nov 22, 2013 at 07:33:49

“The problem is you have no forsight. The WORST is yet to come. The accounting and statistical modeling used has so much risk in it, it renders it ridiculous. We should have just expanded Medicare to include poor, qualified legal residents and moved on to have national health care. Such ridiculous political posturing by the Democrats that is bringing this nation to a serious breaking point. Just to be able to say "Dems passed a bill". This is tragic. And the "nuclear option" is another good example of childish antics.”

sacmom3 on Nov 22, 2013 at 07:20:33

“I think destroying the economy is his goal.”

HarryTheSpider on Nov 22, 2013 at 07:19:29

“Healthcare costs per person in the EU are approx HALF what they are in the US. The main EU countries (I don't know about the newest member countries) have 100% coverage and healthcare outcomes at least as good as the US, often slightly better.”
Ted Cruz Readies Second Attempt To Peg Obamacare Repeal To Budget Deal

Ted Cruz Readies Second Attempt To Peg Obamacare Repeal To Budget Deal

Commented Nov 22, 2013 at 02:03:56 in Politics

“Ted Cruz will not be allowed by either his political party or the Democrats to continue his obstructionism over the ACA, because there is not even a remote possibility of success. In fact some of those who would be hurt by losing the ACA might even try to assassinate him, so he is playing a dangerous game. It s not just Republicans who have extremists in their midst, but every other political group.”

jimmiemack on Nov 22, 2013 at 04:20:59

“So true”
John Boehner Successfully Enrolls In Obamacare 45 Minutes After He Blogs About 'Frustrating' Experience

John Boehner Successfully Enrolls In Obamacare 45 Minutes After He Blogs About 'Frustrating' Experience

Commented Nov 22, 2013 at 01:16:26 in Politics

“The 15% of households without employer provided health insurance are likely to remember for the rest of their lives the aggressive Republican opposition to the ACA, and that groups actually includes a lot of Republicans with their own small business and everyone who was rejected payment for prior health problems that continued before ACA.

The real question though is whether everything will work our well enough before the next election, since the law needs some refinements which are impossible to get through such a strongly divided Congress--just for the sake of both economic efficiency and cost reduction.

I have to give President Obama credit though for the ACA, and that will stick throughout history no matter who is President in the future. The high cost of health care has finally started to be contained by the apples to apples competition set up in the insurance exchanges. Over priced hospitals and clinics are generally be only case by case included for a limited range of services and the fear of being the next excluded will drive down health charges even though only 15% of the insured will be involved it can make the difference between staying in business or going out of business. I was astonished at the only 2% increase for large plans, rather than the more typical twice the inflation rate or more.”
John Boehner Successfully Enrolls In Obamacare 45 Minutes After He Blogs About 'Frustrating' Experience

John Boehner Successfully Enrolls In Obamacare 45 Minutes After He Blogs About 'Frustrating' Experience

Commented Nov 22, 2013 at 01:00:40 in Politics

“You made an excellent point. In fact it used to be nearly impossible to compare adequately health insurance plans even from the same insurance company, unless the company displayed the plan differences. Small omissions in coverage can financially wipe out a family's savings.”
John Boehner Successfully Enrolls In Obamacare 45 Minutes After He Blogs About 'Frustrating' Experience

John Boehner Successfully Enrolls In Obamacare 45 Minutes After He Blogs About 'Frustrating' Experience

Commented Nov 22, 2013 at 00:58:53 in Politics

“It would have taken less of the speaker's time to have simply completed and submitted the paper application. Republicans are obsessing over one of only 4 ways to enroll. It doesn't come as a surprise though they would pick the hardest way since the Speaker was no doubt hoping he would be unable to enroll at all. He also likely intentionally chose the busiest time of the day for the system as well.

Most of the website's problems can be traced to the fact Congress didn't authorize the federal government to spend any of the money allocated for building the state websites if the states chose to let the federal government do it. They also gave no thought to economic efficiency by including the IRS confirmation of income at the time of application instead of provisionally accepting the applicant's statement and adding withholding to make up any deficiencies or overpayments.. It takes considerable time for all employer reporting of withholding and payroll taxes to be processed, so the information is never current. The reporting delay is also why statistics are revised for each of the 2 or 3 months after being published. Also the unemployment database should have been checked first so the current situation is actually what is used.

All the mistakes, except the choice of software contractors, belongs to Republicans in Congress and to President Obama;s inadequate foresight in the original law, which could have shifted funds.”
Senate Votes For Nuclear Option

Senate Votes For Nuclear Option

Commented Nov 21, 2013 at 17:24:35 in Politics

“The filibuster has never been part of the U. S. Constitution, and it was not part of the original Senate rules of the first U. S. Senate in 1789 either. It is fundamentally undemocratic and should have been abolished after World War II as an example for the world.”
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