Remote work may have fueled a baby boom among U.S. women • Hacker News Board

Re: Remote work may have fueled a baby boom among U.S. women

#321

Post by WalterBright » Wed, Oct 19, 2022, 9:33 PM UTC

namecheapTA wrote: post #316

WalterBright wrote: post #313

Earlier quoted context omitted.

The term sheet ruse has taken the following forms in my experience: 1. the final paperwork has an interest rate a full percentage point higher than the agreed upon number 2. the "new" car turned out to have 5,000 miles on it in the final paperwork 3. an extra $1000 charge magically appeared on the final paperwork 4. the total on the final paperwork was quite a bit higher than the sum of the figures above it

1. Weird fraud I've never seen done, if the actual original interest rate was "agreed upon", and not just a "potentially if you qualify at our source bank". 2. I assume the car was looked at and maybe test driven. I find it hard to believe this was a 'ruse' left for the final moments. I can imagine people getting confused or not hearing or understanding I suppose.. someone wants a discount, salesperson says we have a…

BTW, my dad once was negotiating for a mortgage with the local bank branch manager. He said the manager gave him a long cock-and-bull story about how mortgages worked. Finally, the manager asked him what brought my dad to town. My dad replied that he'd been hired as head of the finance department at the local college.

My dad said the manager's expression was priceless.

No, I am not confused about things like compound interest, what the sum of all the payments would be, etc. I often tell kids who complain "who needs math" that failing to learn about compound interest is going to cost them plenty.

Re: Remote work may have fueled a baby boom among U.S. women

#322

Post by [deleted] » Wed, Oct 19, 2022, 9:35 PM UTC

rajin444 wrote: post #131

poulsbohemian wrote: post #72

It's election season and I've been out talking to voters, who share their life stories... what I would say is that there are many women who are choosing WFH because they either can't afford or can't find day care, which may lead to deciding that hey, they might as well have another baby if they are now committed to this employment model. I've spoken to several women who were over-qualified for the jobs they had taken…

> women have stepped up for their families often to the detriment of their own careers Forcing 2 household incomes was/is awful for a healthy society. Women are the only humans that can produce children and they have to do it during a relatively short time window - especially if we want to reproduce at replacement level. Raising children should be regarded as one of the most important things a woman can do because th…

[deleted]

Re: Remote work may have fueled a baby boom among U.S. women

#323

Post by yndoendo » Wed, Oct 19, 2022, 9:35 PM UTC

poulsbohemian wrote: post #72

It's election season and I've been out talking to voters, who share their life stories... what I would say is that there are many women who are choosing WFH because they either can't afford or can't find day care, which may lead to deciding that hey, they might as well have another baby if they are now committed to this employment model. I've spoken to several women who were over-qualified for the jobs they had taken…

NPR had a good radio episode about this. https://www.npr.org/2021/12/16/1064794349/child-care-costs-b...

The free market cannot sustain the day-care market and only government intervention is feasible in the long run. As they did during WWII and was axed by President Nixon. This single act drove the labor market during the war.

Re: Remote work may have fueled a baby boom among U.S. women

#324

Post by alocasia-1 » Wed, Oct 19, 2022, 9:35 PM UTC

lotsofpulp wrote: post #230

smeej wrote: post #199

Earlier quoted context omitted.

Every birth control method has a failure rate, even for perfect use, never mind for average use. If all else stays the same but the amount of sex goes up, the number of babies will also go up. Are the 25yo couples who are having more sex making other changes to decrease likelihood of pregnancy? Realistically? Probably not. They probably use their birth control the same way they always have, since it previously worked…

Is it possible the failure rates get so low with modern birth control that it is almost impossible to offset with increased amount of sex? Specifically, IUDs. https://americanpregnancy.org/unplanned-pregnancy/birth-cont... Even the pill is listed at 9%, which is low, and of course, abortion is the last resort to completely prevent a birth. For couples who are finished having children, a vasectomy also basically has a…

Those are annual rates, so 9% is not low. (Planned Parenthood puts it at 7% annually, which is still 48% failure over ten years!) https://www.plannedparenthood.org/learn/birth-control/birth-...

Re: Remote work may have fueled a baby boom among U.S. women

#325

Post by nvarsj » Wed, Oct 19, 2022, 9:36 PM UTC

rajin444 wrote: post #131

poulsbohemian wrote: post #72

It's election season and I've been out talking to voters, who share their life stories... what I would say is that there are many women who are choosing WFH because they either can't afford or can't find day care, which may lead to deciding that hey, they might as well have another baby if they are now committed to this employment model. I've spoken to several women who were over-qualified for the jobs they had taken…

> women have stepped up for their families often to the detriment of their own careers Forcing 2 household incomes was/is awful for a healthy society. Women are the only humans that can produce children and they have to do it during a relatively short time window - especially if we want to reproduce at replacement level. Raising children should be regarded as one of the most important things a woman can do because th…

People are taking issue that you imply only women can raise children. I hope you can realize that is not remotely factual.

Re: Remote work may have fueled a baby boom among U.S. women

#326

Post by notch656a » Wed, Oct 19, 2022, 9:36 PM UTC

fallingfrog wrote: post #292

notch656a wrote: post #232

Earlier quoted context omitted.

Obviously if something is a good idea, then that's the evidence we need to force others to fund it at gunpoint of the tax man.

Without taxes, there would be no capitalism, no roads, no electrical grid, nothing remotely resembling civilization. You are welcome to go find a desert island to live on if the idea of having any kind of responsibility to your fellow human beings is so repugnant. At any rate, the amount of profit a capitalist business owner skims off their employees labor is much greater than the amount those workers pay in taxes. T…

Obviously the definition of freeloader is not wanting to use violence to extract money from others. Clearly there is no way to build a road exclusively with voluntary transactions.

Re: Remote work may have fueled a baby boom among U.S. women

#327

Post by WalterBright » Wed, Oct 19, 2022, 9:44 PM UTC

namecheapTA wrote: post #320

WalterBright wrote: post #317

Earlier quoted context omitted.

> some people think they deserve to pay less than their neighbor did blows my mind still to this day Deserve has nothing to do with it. It's about both parties negotiating for the best price. That said, there may be very good reasons not to push too hard. You might want to do business with the other party in the future. You might want a good review on Google. You might not want to take advantage of an elderly person…

I haven't seen the show unfortunately. My basic summary of the entire absurdity of the common tactic of "what's the best price you can do?" is as follows.. The best price is a vague concept depending on where we want to draw the line. Best price I can do and keep my boss happy with my performance? Best price I can do if I want to be below average at this company? Best price I can do if I want to ask for a personal fa…

I happened to know beforehand that the car had been on the lot a while, and the dealer probably wanted to be rid of it.

Unsold cars on the lot are burning cash, as they're there on borrowed money.

BTW, he had to get the manager's signoff on the final price, so I'm sure he wasn't getting fired for it. A savvy manager isn't going to let a salesman underprice a car to sell to his buddy.

You mention a lot of considerations, all perfectly valid. That's what makes the game interesting and fun :-) I'm sure the salesmen also size of the customer based on his clothes, the car he arrived in, his demeanor, etc. I remember shopping for a new car long ago, arriving at the dealer with my usual worn out jeans. None of the salesmen would talk to me. So I bought the car from the dealer's rival. These days, Seattle is full of millionaires wearing jeans, and the salesmen know that, and don't make that mistake.

Re: Remote work may have fueled a baby boom among U.S. women

#328

Post by alocasia-1 » Wed, Oct 19, 2022, 9:59 PM UTC

yucky wrote: post #73

alocasia-1 wrote: post #16

Earlier quoted context omitted.

Roughly half of pregnancies in the US are unplanned, and with abortion and contraceptive access being removed or severely limited in many states, that situation is only going to get worse.

>contraceptive access being removed or severely limited in many states Not being combative but as someone who isn't up to snuff on this subject can you provide some examples? I haven't seen examples of this so I'd like to read more.

Sure,

In 2020 there was a SCOTUS decision allowing employers to refuse insurance coverage for contraception for their employees for "religious or moral" reasons, aka "we don't like it". https://www.npr.org/2020/07/08/889112788/the-supreme-court-a...

At least twelve states have laws allowing institutions and healthcare professionals to simply refuse to provide contraception if they want. https://www.guttmacher.org/state-policy/explore/refusing-pro...

Meanwhile, the push to classify some methods (morning-after pill & IUDs), which may prevent fertilized eggs from implanting, as "abortifacients" and therefore subject to the abortion bans now active in many states, has been going on for years but is picking up steam. Missouri's abortion ban in particular, now active, defines pregnancy as a fertilized egg, implanted or not.

Re: Remote work may have fueled a baby boom among U.S. women

#329

Post by isthisthingon99 » Wed, Oct 19, 2022, 10:04 PM UTC

rajin444 wrote: post #131

poulsbohemian wrote: post #72

It's election season and I've been out talking to voters, who share their life stories... what I would say is that there are many women who are choosing WFH because they either can't afford or can't find day care, which may lead to deciding that hey, they might as well have another baby if they are now committed to this employment model. I've spoken to several women who were over-qualified for the jobs they had taken…

> women have stepped up for their families often to the detriment of their own careers Forcing 2 household incomes was/is awful for a healthy society. Women are the only humans that can produce children and they have to do it during a relatively short time window - especially if we want to reproduce at replacement level. Raising children should be regarded as one of the most important things a woman can do because th…

Women have always worked at home. It used to be farming though. Work has always been part of the woman's role. It was only a short period where it wasn't.

Re: Remote work may have fueled a baby boom among U.S. women

#330

Post by namecheapTA » Wed, Oct 19, 2022, 10:07 PM UTC

WalterBright wrote: post #319

namecheapTA wrote: post #316

Earlier quoted context omitted.

1. Weird fraud I've never seen done, if the actual original interest rate was "agreed upon", and not just a "potentially if you qualify at our source bank". 2. I assume the car was looked at and maybe test driven. I find it hard to believe this was a 'ruse' left for the final moments. I can imagine people getting confused or not hearing or understanding I suppose.. someone wants a discount, salesperson says we have a…

1. It was a handshake "come back tomorrow for the paperwork" deal with the manager. The underling who handed me the papers said they would never have agreed to the lower interest rate. I told her to go check with the manager. She did, and came back complaining that she'd have to redo the papers (!). 2. A "new" car doesn't have 5,000 miles on it. They told me it was new. There was no ambiguity there. They pushed the p…

1. I wouldn't call a miscommunication between a handshake deal with multiple people and departments involved and the next day the exact same as a "term sheet ruse" which implies there are games being played on the actual term sheet in front of you. I would say in many industries there are terms on the final documents that don't always exactly match what earlier communications, and yes it's important to make sure they match up.

2. A new car is new as long as it hasn't had a registered owner. You can even have a new car with an already started warranty sometimes. I still wonder how you made it to the paperwork stage without seeing the car and noticing it wasn't exactly 'new new', but if you landed on a very shady salesperson it could be covered up (simply leaving the dashboard display on a trip meter instead of odometer could do this I suppose)... But once again.. I STILL think it's more of an accidental miscommunication than deception since everyone knows it will eventually be discovered. Dealerships sell many "demos" year round, and I've also never seen this drama in person even though demo sales are common industry wide.

3. Clerical errors do happen when a salesperson gives management a summary, a salesmanager loads a deal into the system, and a "finance manager" (I hate them) finished loading things so that the DMV and banks are happy. It does happen. It isn't a tactic because once again, people rarely miss a $1000 line item, or the payment going up suddenly.. so why have the drama, potential deal blow up, yada yada.. the salesperson doesn't get paid on non vehicle adds ons or fees, and management gets such a small cut of gross profit I just don't believe it's done on purpose since it has a high threshold of drama.

4. I have never seen this, and I can't even imagine how we'd get the computer system to do this. Also, the banks would reject a contract later that doesn't add up and send the deal back. And finally, who is intentially commiting this kind of fraud on a document that will forever exist in your hands and the banks hands. Would there be an easier way to get caught for some crazy fraud than having numbers not add up on a final contract?