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Comment Re:Another feature replaced with tracking (Score 1) 110

The summary seems to imply that they were already tracking users and their usage of the clip art library.

More and more it seems like just keeping Office XP or 2010 around is the best bet. How much you hate the ribbon would determine which one you keep, I guess.

Comment Re:Any woodworkers around? (Score 1) 44

Many of the common woods used in boating are full of natural oils that prevent water from penetrating. Teak, cypress, and cedar are among those. I didn't RTFA (or would it be WTFV? whatever), so I don't know what they made theirs out of.

Of course, the natural oils only act as an inhibitor, and if the wood spends any amount of time in the water, it'll still need maintenance. Clear finishes look pretty, but need loads more work than a good paint or epoxy coating.

Comment Re:Yeah, it figures. (Score 1) 206

I wish I had some mod points for this.

Citizens Insurance was paying out something like 6-7 times their premium income (like $180 million to $25 million) just on sinkhole claims.

If the reforms hadn't been implemented, the entire property insurance industry in Florida would have collapsed.

And all insurers in Florida are required to cover true sinkholes (now called "Catastrophic Ground Collapse"). It's just that there has to be more evidence than a few cracks in drywall/driveway to legitimize the claim.

Comment Re:Can't America get its acts together ? (Score 1) 1059

This kind of thinking drives me nuts.

I've known some very intelligent people screw this up (even one in training to be an actuary!), so I'm going to make this post here so I can refer back to it in the future.

US income taxes are marginal, not flat.

I'm going to make it simple here.
Tax rates for this example are 25% for income up to $99,999 and 33% for income above $100,000.

So if Judy is making $99,999 annually, and then is offered a 1.5% one time raise for exceptional performance on a successful project. That's a pay increase of $1,499.99, taking her to a total income of $101,498.99. Before her raise, her tax burden is 25% of $99,999, or $24,999.75.
After her raise, her total tax burden is 25% of $99,999 (or $24,999.75) and 33% of $1,499.99, or $495.00, for a grand total of $25,494.75.

So a 1.5% raise does the following:
-Raises her top income tax bracket from the 25% bracket to the 33% bracket
-Raises her tax burden by around $500 on $1,500
-Nets her roughly $1,000 more in income.

Tell me a good reason why anyone would turn down a raise of that nature, even if it bumped them into the next bracket up.

You're only taxed on the amount of money that falls within the bracket for that tax.

Otherwise, a $0.01 raise could result in a net pay cut of thousands of dollars, and no one would accept that.

Comment Re:Who's buying? (Score 1) 260

I happily pay to keep extra 3rd parts ads out of the applications I use regularly.

Also, if you're of the kind of user that has no qualms about copying a friend's movie/music/book library, then I wouldn't expect you to be terribly enthusiastic about paying for apps unless there was an extremely compelling reason.

For me, I prefer to pay for the things I use and enjoy. I committed to being above-board with my personal media choices back when the first lawsuits first started coming out way back when.

I'll still media shift and break DRM to consume my media as I want to, but I'll at least do what I feel is the right thing by starting out with a legitimate copy.

panic: kernel trap (ignored)

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