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Comment Re:Save 30%, retire early (Score 1) 542

but it seems to me that it really puts a big barrier in their relationship to continually have to sign contracts/agreements/documents to remind them of their status and shared responsibilities (kids, mortgage, insurance, etc) year after year.

Those generally still require both signatures even when married. We both had to sign the paperwork to register our daughter for school. Mortgages require both to sign (assuming you're both on the loan). Home purchases require both signatures.

Insurance does or does not depending on the policy, but whether or not it does require both signatures depends on what the policy is (you can add anyone to your car insurance without their signature. You have to get their signature to add yourself as a beneficiary to their life insurance).

Being married generally does not let you put your spouse on the hook for something without their signature. The only big exception to this is you get to act on your spouse's behalf if they are incapacitated. But even then the government/company/whatever will often insist on waiting for your spouse to recover or die before proceeding.

Comment Re:Plan to succeed or plan to fail... (Score 1) 542

Well duh, they dropped dead before reaching their 20s.

Nope. Try looking at the last sentence in your post.

And then they show of all the 21 yo men alive in 1915, 54% of them reached 65 yo (in 1960).

So roughly half of the people who reached adulthood died before 65. That was my point.

Comment Re:Plan to succeed or plan to fail... (Score 3, Interesting) 542

The days of retiring at 65 and dropping dead at 70, which was the reality when Social Security got set up in the 1930's, are long gone..

Actually, they dropped dead much earlier than that.

Only 53.9% of men and 60.6% of women made it to 65. https://www.ssa.gov/history/li...

Comment Re:Save 30%, retire early (Score 5, Insightful) 542

You forgot to include a few steps:

-Be lucky enough to never face a serious health issue.
-Be lucky enough to never be unemployed for an extended period of time due to forces beyond your control.
-Have zero family or friends that failed the previous two steps. Or even better, zero family or friends.

Comment Re:Enough whipping Uber to death (Score 1) 286

OH.. SO because you suffer from depression, you think you are an expert, and because I don't have that issue I cannot have any valuable insights

I never claimed it is impossible to understand if you do not have depression yourself. I claimed you, specifically, do not understand.

I think there are folks who have decided to hear what they want to hear and believe that the world is out to get them.

Hey look! More minimizing. That totally demonstrates you understand depression. Also, your attempts to make it about me and only me continue to demonstrate that you just do not understand.

Besides, all I said was that folks thinking about killing themselves should seek help.

Actually, you first attacked this hypothetical suicidal person for "The pain you leave behind for your loved ones".

Your entry was not "Seek help". It was "You're a terrible person who is going to hurt the people you care about". That is why you are not qualified to deal with this issue.

TELL somebody who can help you.... There IS help out there if you ask.

If you want to start to understand, go re-read the part about depressed people know this and do not need this advice.

The thing you have to remember is a depressed person has utterly zero drive. They have thoughts like "I should kill myself....meh, too much effort". (As an aside, that's one thing that makes drugs like SSRIs dangerous....they can solve the "too much effort" part.)

As a result, telling a depressed person that something out there somewhere can help them isn't going to do anything useful. If anything, it reinforces the sense of being "broken".

You have to make it take more effort to avoid the help than to receive it. How you do that is entirely unique to each person's situation and your relationship to them.

Comment Re:Trump knows there's no future in coal (Score 2) 478

In general, industry in the US no longer does research or long-term development. Development, if done at all, is in a relatively short term window (2 years or less).

This is a direct effect of how we pay executives - their options are worth more if they do not take the risk of long-term R&D. So they don't do it.

Comment Re:Trump knows there's no future in coal (Score 0) 478

There must have been some other option in the last election, someone who proposed re-training these folks and encouraging new businesses in these areas..

Unfortunately, the two choices at the end were Trump and a candidate who promised to form a committee to study the problem and issue recommendations.....That could not possibly pass Congress making the entire exercise a complete waste of time while claiming to be doing something.

At least Trump handed out snake oil instead of nothing.

Comment Re:This is retarded conservatism to help 'coal' (Score 1) 478

Perhaps the people in those regions should not have voted for politicians who hollowed out the education system

There wasn't anyone else on their ballot.

Both parties at the state level were behaving the same in regards to coal and wanting to cut spending. The differences were relatively slight, such as just how much spending to cut. With every close politician humming mostly the same toon, it's not at all surprising they would chose a presidential candidate that fit what every other politician, the local media, and their unofficial leaders have been telling them.

You can't blame people for failing to vote for a candidate that is not on their ballot.

Comment Re:Enough whipping Uber to death (Score 1) 286

And you are being helpful how?

Hopefully by getting people like you to stop "helping".

"Get help" is bad advice? I fail to see how that's a bad idea over suffering in silence or just killing oneself.

The thing you fail to understand is we don't need advice.

People with depression are not sitting there going "I don't know what to do!!". We are depressed. We are aware of it. We know that there are various kinds of help available. Thus your "advice" is not at all helpful. In fact, yet another normal person saying "just go get fixed so I don't have to think about people like you" is not exactly helpful.

Hence my advice to you to just shut up and let someone qualified deal with it.

How about you? Are you an expert?

Yes. And I had the prescriptions to prove it. I am well aware of what actually goes on in at least one person's depressed mind, and a fairly good insight into others dealing with it due to actually helping others recover.

Comment Re:Unemployment (Score 1) 519

People keep predicting the obsolescence of humans but unemployment these days in most rich world economies is not that high

Your claim requires a factory job that could comfortably support a middle-class single-income household is the same as a low-wage service sector job that can not do so even with a dual-income household.

Both kinds of jobs result in people being "employed". However, those situations are wildly different.

That said, it would be good if we had better ways of measuring employment beyond the binary employed/unemployed states

We do. Assuming you're talking about the US.

The BLS does a survey in order to determine the unemployment rate. They don't just count people receiving unemployment checks. Then they generate 6 different "unemployment rate" metrics with different criteria, as well as the employment-population ratio.

The unemployment rate quoted by the media is U3. The "barely getting by" people you refer to are included in U6.

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