I agree, all kinds of grocery stores have failed over the years. Kroger's just isn't a good example of a failing store for a lot of reasons. They aren't a stellar investment, but they are also up from 1 year ago and 5 years, so investor's don't look like they agree with your summary of the business.
That is a self reported survey of households that doesn't lend itself to capturing all of the people. One, participants need to respond, which a busy and tired person isn't likely to do. Two, it doesn't define job, so if you don't think of your side hustle/gig work as a job, then you won't say it is. In the survey, if you did answer, and you do have 2 jobs, but you didn't work both in the exact week that you were surveyed, then you also aren't counted. IRS data, ADP private payroll estimates are much higher, but have their own issues.
Stackoverflow was never about getting the best code and neither are LLMs. People ask questions to figure out how to do something. If an LLM provides an answer that doesn't work, then they will just ask it to do it another way and hope that one works. Experts will always be in high demand, but on the other side there are a lot of jobs that just want a working product, even if it's not well made.
They did not replace voice actors. They hired voice actors to train the TTS they use. Very different to say ripping someone's voice off and not paying them royalties, residuals or any form of compensation whatsoever.
If a child isn't covered by medicaid for income reasons, then CHIP is a program that kicks in to cover kids at higher income levels. These are all federally backed state run programs though so it's going to be hard to figure out exact details and surely someone is slipping through some cracks. Some states combine the programs, some have both. They can vary on the income levels. There is also some level of transition as the paperwork can be cumbersome, unclear and confusing, so kids may be kicked out of the programs while these processes play out, usually with retroactive statuses of eligibility.
Have you seen the prices of pre-owned Honda/Toyota sedans that are less than 5 years old? There are absolutely cars out there where trading in your new car after 3-4 years can make sense depending on the cost of the car, the depreciation curve, and whether you want to always be driving a relatively new car. Of course it's almost always going to be a better value proposition to drive the car for 10 years if you can, but that can still depend on depreciation.
Low mileage used cars don't come with a warranty, or probably have a more limited warranty if they're CPO.
Leases can be better, but again they are usually better choices in high depreciation scenarios (like luxury vehicles or EVs, as you point out), not low depreciation scenarios.
> Also electric cars get killed on the depreciation curve.
I have heard this a couple of times now, and I believe it. Is the cause battery wear or pure demand (buyers don't want used EVs for various non technical reasons)?
In California, at one point, you could get a few thousand rebate, if you were in the Central Valley, and additional few thousand rebate. Some local cities gave rebates on top of that, and the federal tax rebate on that. Buy a $45k Model 3 and get back $13k-$15k just for buying it. Rebates like that are going to play havoc with resale values. On top of that, new Tesla's went down in price over the past several years. I think as these incentives taper off we'll see more of a stable drop off.
If you're at a 24% marginal rate then you're at least approaching the point you stop paying Social Security taxes. Sounds like you just need to work a little more to keep 12% more of your money. It's funny how making more money reduces your tax rate. You just don't make enough to benefit.
If they're married and paying 24% federal tax rate on any of their income, they almost certainly aren't paying any social security taxes on their consulting income. That would mean their adjusted gross income is in the $200-400k range for their full-time day job which exceeds the Social Security cap by a good margin, it's $176k.
They'd still have to pay for Medicare, but it knocks 12.4% off their estimated taxes for consulting.
If they're single, then the math is different. 24% for single people starts at just over $100k and runs to about $200k so they may have to pay those taxes. It's always frustrating when people whine about taxes but giving insufficient information to evaluate their complaint.
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