Buying a house
948 karma · joined May 6, 2020
Example: I just got some medication I take daily forever. Insurance will only allow it to be distributed at 90 days (qty 90) and my co-pay is $30, so 4 trips to Walgreens and $120. I just got them to fill the entire 360 pills using a GoodRx coupon and paid $53. It took a but of convincing the front clerk I knew what I was doing, he couldn't add it up in his brain how it was cheeper not to go through insurance.
Now imagine managing your health was like running your car. Everytime you went to the gas station you would pay a fixed amount through insurance, but you're only allowed to gas up once every two weeks. Need car repair? I agine your mechanic calling your car insurance to try to get the work approved -- you need a brake job, and instead of costing $500 it will cost $5000, but since the mechanic is in-network they have pre-negotiated the rate to $600 and you pay that amount until you hit your annual deductible of $5000 for the year.
The system is built for manipulation, anti-competitive practices and fraud. Think about it. Who wins? Everyone except the consumer, who has been convinced its the only way to transact is through insurance, and if it were just bigger and more centralized it would certainly be more efficient so lets get a single-payer system! That will be the final nail in the coffin of our world-class healthcare in the US. There will be no more specialization, as the system will incentivize (if not demand) commoditization of skills and services.
https://www.flexport.com/blog/flexport-co-ceos-note-to-emplo...
Layoffs suck, they drain the moral when things are already hard and negative feeling. This is why it's critical to celebrate wins as often as being transparent about disappointing news.
All I mean is, the application process is disheartening. It's an employers market, I get it, but what would be nice is to get ACTUAL subjective feedback, even if it were something like, "not enough cloud experience" that could help me re-calibrate. I took time to write how much I love their product and wanted to be a part of the team, it took likely all of 5 seconds to click the reject button on the behalf of the HR or hiring manager. That's fine, but where is my feedback? Or was I rejected for some invisible requirement box which isn't checked?
As for someone smarter, well... I don't know about you, but that's a hard thing to discern from just a CV, that's usually something you get in a conversation. Experience is what you get from a CV, and mine is phenomenal. My experience is so heavy, light bends around it. However, I'm not assuming I will get any job I apply for, my ego is destroyed, it doesn't exist. I'm all humility, and never feel worthy of anything. I'm ok loosing out on someone more experienced. Just tell me that, and tell me what I'm not experienced in. Maybe it's something I was thinking I need to invest myself into more.
Sorry, not trying to be argumentative here, just reflecting my frustrations. As stated, 2023 sucks and I have this fear it's going to get far worse before it's any better in the tech sector for potential candidates.
Creeps me out every time I see Newsom smile because I believe he is truly a literal psychopath.
TIL I can add "entry level cars" to the list of things I can no longer afford.
A parent's job is to raise their child well, to keep them safe, healthy and morally grounded so they can develop into good human adults. Their job isn't to sit on the sidelines and let the state make decisions in these arbitrary situations. Otherwise the only "child ownership" will be the State owning our children, in the long run.
Why am I against this? It is against parental rights. It takes away the rights of a parent to name their child and raise them as they see fit, and hands it to the state.
I won't even get into what happens with children experiencing gender dysphoria and how the mental health profession is (mis)handling the vast majority of these by affirming the child's dysphoria, and the pressure parents receive that if they do not affirm their child's desire to transition they are putting them at mortal risk.
I don't agree with any of this for children who cannot consent to any other things, legally, until they reach the age of majority. Once they do, it's up to them how to live their lives (with, or without, their parents' support). Nor is this to say I do not believe children have rights, but I see what these family courts do and in a lot of cases how biased they are, I do not think anything good would come of this law pure and simple.
I just can't figure this guy out, but he's such a political animal I can't believe any of these have anything to do with any sort of principles on his side.
Then I get a generic rejection e-mail. As with everyone. Fair enough. But if I had to write why I wanted to work there, I want companies to start giving feedback on why they don't want to hire me. I'm a big boy, I can take feedback - I want to improve, I want to learn and maybe it'll help me get further along for the next opportunity I apply for.
Or maybe someone just doesn't have a good reason to reject me, they never read my application, something arbitrary.. and they just click the "reject" in Greenhouse, and go about their day.
Sorry, I'm just tired of applying places and getting the standard, "We've unfortunately decided not to move you forward in the hiring process.. (blah blah blah)." 2023 sucks.
If anyone downloaded already and could setup a torrent that would be nice. These photos are gorgeous, but not sure if he is know for one (or more) in particular.
It wasn't our fault professors typically ran "xhosts +" in order to make their lives easier.
Source: my 25 year-ago mischievous self ... Sparc. Miss those days.
I was just a university Freshman just starting my CS classes, and seeing this discussion, it was like I had entered some underground revolutionary meeting. It opened my eyes to mischief and testing the boundaries of systems and order where this guy who was on IRC as root@system was just calmly saying how the technical universe I was just learning about was controllable in ways I had no clue about.
I never followed the case after he was prosecuted, and I didn't go down the hacker route in my career, but it was a life-changing moment for me to see this outsider live out "War Games" in real life.
RIP, root. Your crimes and mischief certainly didn't define you, especially as you went down the ethical hacker path (the first?). Pancreatic cancer is a horrible way to go, I am sorry to see this story today and condolences to his family and friends.
Did the design and software get released as the company shut down, or is there a hope of resurrecting it?
I assume most people don't even pay for it with their public and private non-work repos. Github has been a major supporter of OpenSource projects and while their uptime could use some help, everyone is struggling right now with RIFs and fewer resources.
That's just my $0.02
$100 says Amazon will snap them up. With the cloud expenses minimized, and Amazon's own expertise with logistics, it would be a good market for them.
There is nothing more complicated in his decision here. Elon is a visionary and a builder. That's all his ventures.
Hero. This guy worked 20 years for the county. Not only quitting, but "pulling up stakes and moving out of Illinois" because of the crime he sees in his own neighborhood which has grown since moving there.
These activist DAs in certain states are ruining the country by letting crimes go unpunished as a means of "restorative justice". You see this in schools now where the bullies and aggressors are given passes for their behavior.
Let's hope that this only takes a generation to swing back the other way. Feels like it will take longer.
Amen, brother.. Ubuntu 22 was my breaking point.
* being first doesn't guarantee success (otherwise we would all own Xerox laptops right now)
* hard research and development is always a race in terms of getting to a product before running out of money
Basic economic theory shows there is always a scarcity of resources - money, time, market, people. The faster you are in front of the pack, the more likely you will get the lions share of money, the more people buying your product, and the more people wanting to join your venture.
The secret is to never fool yourself that you have unlimited time or money. That pathology leads companies to burn cash and take too much time choosing the "perfect" over the "really good", never getting to market. That's where I believe most startups failed in the past few years, and we're seeing that now more clearly with the desert of VC investment. You can fool yourself, but you cannot pretend basic economic forces don't exist.
Did Peter Thiel cause the bank to fail? No, their mis-management did.
Did Peter Thiel try to safeguard his companies' bank positions? Yes, so they can make payroll and operate.
Who are these people to throw blame, when the building's still smoldering ashes and the smoke hasn't cleared. Maybe he called the CEO and got bad messages. Maybe no one talked to him, so he said, "F it, pull out". No one yet knows all the factors which caused the failure, but let's start with the company itself, not its customers.
I think what's happening now is equivalent to 2008, it's just the underlying security was bonds and, in SVB's case, emerging equity. There were risks on all sides of the equation.
They obviously made a bad move in 2020-21 in thinking the public market was going to crash and what would happen to bond yields, but so did lots of people.
If you think SVB is the only bank which is making high risk decisions to get payoffs, I would suggest you level up and look at what ALL these banks are doing. Faith in the system and long-term risk assessment isn't built into the mentality of banks which have so much invested in equity trading vs. boring deposits.
So that's either loans, or effectively giving people a negative interest account where you lose your money. Citibank does this, they just call it "fees" and it really, really hurts the people who don't have much money.