• 0 Posts
  • 55 Comments
Joined 7 months ago
cake
Cake day: April 29th, 2024

help-circle






  • it’s factored into your total compensation so you’re still the one paying.

    I never understand why so many people assume insurance is “free” from the employer or that they pay 0-1000 per week/month. What we see is the tip of the iceberg. Insurance companies are perfectly lucrative and they pay tons and TONS of money to workers that make sure they make as much as possible.

    80% of premium revenues must be spent on treatment, the other 20% is what they have to profit off of. If they don’t spend 80% of the premiums on treatment they MUST refund excess earnings. See: https://www.healthcare.gov/health-care-law-protections/rate-review/

    This means if they took in 100 billion in premiums in a year, they MUST spend 80 billion dollars on treatments. The 20 billion left over is where they can make money. So they will make sure 4/5ths of everything they make goes into treatment so they never give refunds and they maximize potential profits. If they can convince companies to raise premiums 10% next year, costs will rise 10%, profits will rise 10%. It’s so obviously designed to raise the cost of premiums and treatments at the expense of all else it’s insane.

    They also don’t spend a dime over 80% of what they make if they can help it. There’s where claim rejections come in. They have mathematicians figuring out the ideal numbers and those guys make stupid amounts of money.






  • Lets_Eat_Grandma@lemm.eetoMicroblog Memes@lemmy.world*Permanently Deleted*
    link
    fedilink
    English
    arrow-up
    5
    arrow-down
    1
    ·
    edit-2
    3 months ago

    anything else provided by Microsoft has a better 3rd party alternative if the user wants it at all.

    Imo this is what has held microsoft back. They never really focused on the user market. All their software is pay-for-me bullshit offering promo prices for user tier education subscriptions that never retain users. Once you’re out of school you’re gonna cancel office sub, pirate it, or simply use google docs because everyone can use it without paying. Office is for businesses only.

    Google lets you use their version of office without asking for any money. They give you storage that integrates with it and doesn’t nag you to subscribe or purchase a license to do things and they don’t nag you to use it. Their email is actually good, has good spam protection. You can use google mail for small businesses without issue too whereas hotmail or outlook.com look sketchy by comparison.

    Microsoft has had so many missteps in their headlong charge believing they are the only game in town. Android has a bigger market share and a lot of people just use their phone as a computer today on a global scale.

    In the US, Apple keeps gaining market share. iOS is the #1 operating system here but fairly neck and neck with windows. MacOS is a little under half of Windows too, so combined Apple is a big majority OS wise. Apple isn’t charging for updates on any of it’s OSes, unlike all of microsoft’s. The mobile hardware division makes way more money than laptops and desktops.

    On a long enough of a timeline it seems inevitable that microsoft’s OS marketshare dominance will evaporate. It looks like only MacOS is here today as a realistic alternative since Linux is a steaming hot mess for end user computing.







  • Preach. I’m just worried for when nvidia pops. The grumblings about the machine learning fad are starting to happen but that’s a company that is incredibly likely to lose 80% of revenue in 5 years once businesses see how the huge investments flop.

    There’s some strange belief that chat bots being semi-coherent is going to turn into true AI and take over all the white collar jobs. The more popular chatbots become the poorer the data quality will be. It’s inevitable that all the bots posting on all the social media sites will poison the datasets especially as more and more turn to chatbots to generate content.

    Peoples imaginations are running wild. I think if 2% of the use cases pan out it will be a wild success but ML is not new and entire divisions have been scrapped for failing to turn a profit (looking at Alexa, for sure.) When the pop happens the drop will be so significant the ripples may cause a recession all by itself.



  • They are not doing better in the gpu marketshare. They are a new challenger in that space and are no where near getting the lead. The point I was making is that they are just getting into that space, and if they are successful at chipping away at nvidia’s giant high margin market share they can very possibly make a ton of money in that space.

    Their GPUs however are fairly good price/performance for consumers, meaning they are building market share in that space. Like any business starting out at something they are losing money to gain market share. That’s how capitalism works today. You lose money to gain popularity until you get so much market share you can turn screws to make significant profits.

    Intel’s bread and butter is CPUs. They are the majority market share in the highly lucrative desktop cpu, mobile laptop cpu and datacenter cpu space.

    edit: clarification, mobile I mean laptop. I don’t think intel is in the cellular phone space?