It does, but there is a crucial difference between poker and most of those other forms of gambling, in that it's possible to be a long term winner at poker, as opposed to games that structurally favor the house. So, you have to be dumb to think you can beat slots long term; you merely have to be delusional to think you can beat poker long term.
I'm also in the situation where I use Siri for nothing, but I want to use CarPlay. I don't use the voice control for anything, in the car or otherwise. How does it make sense to force me to have Siri enabled?
There's a bunch of parts of CarPlay which assume you can use Siri. Interacting with notifications, sending / responding-to messages, searching for things in maps, etc. Apple could disable everything that would kick itself out to a Siri-interaction for input, but that'd probably feel confusingly-broken.
It is VERY worth talking to a professional about this. It's possible to build your savings in a manner they will produce income via dividends, bonds and other methods that give you a pretty great tax advantage and you don't have to sell as many assets during retirement. This is a huge advantage overall, especially in the years the market is bad.
I am not a financial professional but rely on one to guide me.
Where does one find or learn about how to find a good person to work with US on this. I always worry its the finance professional's wallet first then maybe us.
Look for a fiduciary or a for fee planner (not a commission based one). They don't have a stake in selling you specific things, they just charge a flat rate. Whether they're any good or not is a different story, but they aren't in the business to sell you anything other than their services.
The title is misleading, they are referring to "Retirement Savings" just counting 401k and IRA dollars only. Personally my "retirement savings" are over 60% in non-IRA or 401k dollars, and I'm retired.
Later in the article they begin to talk about overall net worth including regular savings and investments and the numbers are better but could still be problematic:
>> In terms of the average retiree’s net worth, the Federal Reserve data puts it at approximately $1.2 million for those aged 65 to 74. The average net worth drops to $958,000 for those aged 75 and older.
In the context of finance, any number starting with average is meaningless more often than not. It neither characterizes the situation of most people living well below average nor of the few people living well above average.
I think the tricky part about basing it off overall net worth is that for the average retiree their house is a big part of their net worth. Many could downsize to get some cash out of it, but people do still need to live somewhere.
Pick any industry and this environment we’re experiencing in “CS” is going to occur 3 or 4 times in your working years. No matter if you’re an electrician or a software developer.
Do you like building software? Based on your post I get a feeling (which may be wrong) you’re looking for the $$.
If you like it, stay with it and keep studying. It will pay off.
(Edit: my experience) I left college and started out writing COBOL. Several dot com busts later and I was lucky enough to lead several SaaS teams and have wonderful exits.
You mention not being the person making a purchasing decision, who is? Can you connect with them?
I would encourage you to put together a story that illustrates the pain being caused by this software and get with the purchasers. Not only might it help your organization figure out they need to do something different it could also show off your skills to the orgainization.
Could you collect the time you and other people are spending working on these problems?
How many issues are reported to you?
How many bugs you've filed and have not had fixed by the vendor?
Rolling this up into a real dollar coast it's having on you and the school district users.
For something like this, usually at the senior executive level, and organizationally.
There's not really one person making the decision,
it's done through the organization's decision-making system.
Nominally there's a responsible person,
but practically speaking that individual isn't completely autonomous.
Large organizations have been making and dealing with decisions like this for ages,
and rarely does dollar cost of usability ever influence.
Products SAP and MS Teams get and retain market share by making the cost of moving off that software outweigh the gains.
The person making the decision is very like the superintendent of the school system, likely informed by someone from IT and maybe someone representing the teachers somehow.
They might listen to me if I bring in a coalition of other parents, but there's two reasons why I'm probably not going to do this:
1. They're likely locked into at least a year-long contract, if not more
2. Doing this is a huge amount of work for me. I'd have to find a significant number of parents who are _also_ as peeved as me, and then get them to take action - even if it's signing something - and then I'd have to bring the petition up to the school board, etc., etc., etc.
It's much easier to just mute the notifications on the app, and go through them once a week. 99% of them are just wildly inactionable anyway - things like reminding me that school is out, or that a student interest group that's irrelevant to me is having a meeting two Thursdays from now.
If I was annoyed enough to take action, I'd rather just offer to build them a replacement app - shorten that feedback loop, ya know?
> The idea that 5 years of experience is enough to solve most problems is crazy to me. 18 years in the industry, and I’m still very aware of things I don’t know and need to get better at. I know amazing engineers with 40 years of experience who are still learning and getting better.
Recently retired engineering manager here. Manager I all the way to VP of Engineering at several successful startups and a few big companies.
I was continually surprised that fresh and new challenges continually appeared, until I got wise enough to know there will always be something you not run into before.
Be wary of anyone who think’s they’ve seen it all.
If I go a week or so without some real exercise my anxiety starts to creep up. It does this no matter how good or bad my sleep has been over that time.
We’ve switched to only subscribing to a single service at a time. When we get several items to watch on a service and exhausted our current service, we cancel the current and restart the “new” one.
I suspect with Netflix’s recent crackdown on sharing, this will get much more common and their recent gains in membership will reverse.
They just don’t have that much good stuff coming out, nor do many of the services.
Currently really enjoying Hulu on their 1.00/month plan from Black Friday. Many many shows and movies we’d not seen.
Now that we’re past the prestige TV era and back to regular 90’s TV writing quality, it isn’t like there are must-see-tv events on streaming services, like a shared societal experience a la Game of Thrones. It is so easy to switch and catch up later.
I’ve canceled most of my streaming services other than Hulu with Disney at this point. The reason I haven’t canceled Hulu with Disney is that I’ve shared the password with a family member who likes it. “I have to coordinate pulse-width-modulation on my subscriptions” is the only stickiness that these services actually have at this point, I think.
OTOH, Netflix is still in business, so maybe I’m wrong. Shrug.
This seems like the obvious and sensible thing to do. If this is too much for people, the next best thing is to just stick to one. For me this is Netflix, but the day they start showing ads at the price I'm paying, is the day my subscription count goes to zero.
I've had trials on all the others, and they just don't interest me. Some are actually bad, like Apple TV+'s interface and frankly boring content, or Amazon Prime's paid content inside an already paid for service. Netflix has always stood apart in terms of quality (in all areas), but it's already pricey.
I am definitely not going back, but it's only slightly related to the sharing crackdown. I paid for my own subscription, but don't want them tracking where I watch from. Their job should be simple: send me the data for the video I want to watch. Anything beyond that is an overstep.
Maybe but Netflix has an incredibly low churn rate. I think it was under 3%. While the other services are like 6-8%. I’d think people will keep Netflix as the default and rotating through others as a secondary content source.
