Haven't seen RTFM casually dropped in conversation online in... um... a while...

You've been hanging out on the intartoobz at least as long as I have. Circa the paleolithic era, or so...

Insurance companies are going to do anything they can to reduce loss ratio, but... That is literally the plot of a John Grisham novel (pre-ACA, so it was a little more complicated than that, but still).

Maybe that's not the model that real-life insurers should be copying.

Yes, but it's much easier to claim 'rigged' after the fact when done electronically. Mail-in ballots are harder to push back on. This isn't about voting, it's about covertly excluding votes from certain groups of people. They just can't say that part yet out loud.

You and me both.

Not too many years after that nightmare, I was perfectly capable of enjoying thru-hiking, carrrying exactly same weight anyone else would have been, moving at same speed on rough terrain, etc. Still couldn't run a mile - or much shorter distances - in my wildest dreams. Didn't matter, I was in exactly the shape I wanted to be in, for the things I cared about.

Can't do it anymore, my body widely conspired against me in various ways, but glad I was capable of it and have the memories. If I had been able to run a mile, but not hike any distance with weight, I'd be alot less happy about what I had achieved at that point.

Entirely valid question, that as a USian, I might just be qual to answer. The ratio between them varies by individual, but it boils down to a core American exceptionalism that’s taught actively from very young; some ridiculous blather about how having founding docs / written constitution makes our rights safer even in context of significant social change; and my personal least fave, the idea that if one didn’t directly and proximately earn something through capital or wage slavery, they just aren’t working hard enough and therefore shouldn’t have it.

Those things are at the core of a very large group of American voters’ opinions, and all are fatally flawed.

Of course, as a child of the very early eighties, growing up it was still (at least conceptually) possible to buy a house and a car on one income, within relatively recent history. As it absolutely should be.

Kicking that exceptionalism thought process is quite the struggle (as is the rest), even for those motivated to do it.

Civilised world has mostly lower paid docs (relative to us) but also mostly some sort of universal care. I’d gladly accept NHS-level wait times, if it meant that I could take the $2k a month that my emp and I together now pay for insurance (just 2 adults) - even if taxed to support that sort of system, that is real money.

Things are bettter than they were in my lifetime, even though ObamaCare was basically a typical American “personal responsibility” solution, just with subsidies to avoid actively excluding only the less financially well off.

Used to be that you had to have continuous coverage in order to get a new cost, or pre existing conditions weren’t covered under a newer policy even if one could buy one privately (you really couldn’t, practically).

Healthcare before ACA was a sanctioned and mostly very profitable betting operation for large carriers because the risk pool for each individual policy was large, and there were max amounts and sometimes lifetime total limits that could be paid.

By comparison, what we have is pretty great for folks who lived thru that era, but… Hot garbage compared to many other developed nations.

We’re a nation full of people literally trained to think our system is the best in the world. Helluva barrier to overcome, all the more so when the ACA did actually make things better.

Mild sidetrack but the only reason to assume by default our system might be better is the education (indoctrination) we receive early and often, and consistently.

Always appreciate a comment that makes me question why/how I made some assumption.

Cap One 360 checking - free, and offers single use cards. Think they regen on each usage,and can get the number etc easily in app.

Edit:missed “credit” card. Believe Cap One does same for their credit cards, not entirely sure tho. It’s becoming more common on credit, but def not “most” cards doing that yet

Thought they charged something to put $ on temp card, via EFT though I may well be wrong.

Don’t recall the org name I conflated w them anymore u fortunately.

And from where I sit, yeah they pay me to some degree - the acct costs me nothing, and it’s got a handful of the usual “edge case” insurance benefits and such most debit cards don’t.

Not real useful to me, admittedly, but I do receive something.

That, and they reliably post direct deposit exactly 48h early, plus or minus fifteen minutes. Ability to plan my life around when exactly my check will show up has value. Seems to be very much a “best effort” basis to post early w/ most banks.

Lots of that stuff is useful because of my individual habits and patterns of spending I’m sure, might well not be for you.

Will check out privacy, now I’m kind of curious if there is something even more friction free for my scenario.

Good. Can’t imagine they embraced WFH willingly, sounds like a bullet dodged.

Nice. Then I would highly rec Vigo County, IN. Col is very low, esp rent. Fiber available in a surprisingly large footprint and not just on major streets for biz.

Will DM a couple WFH pos that I know exist or will fairly soon. Lots of hiring on interesting/unique factors candidate brings to table, very little hiring based on degrees/years experience, at that level.

Was first time I ever felt like someone was actively listening to my interview answers and paying attn and I’ve been working 25 years.

Pharm tech licensing varies wiiiiidely across the states. Some require natl very, some require basically on job training IIRC.

RPh not so much, but tech also has responsibility not to kill you with a misfill and more eyes are always good for preventing deaths.

The shit wages they pay in relation to being responsible in part for safety and accuracy (in retail) is a big part of why most retail is dangerously understaffed.

Same for insurance agents and real estate agents in many (most?) of US. HS, a couple weeks of “teaching to the test,” and a test is all it takes. Rote memorisation. - lots of those younger folks in insurance couldn’t define what they may/may not say/promise, or who is an “Insured” under a given policy.

Shame I stopped believing that BS from them circa winME…

Used to build APIs against software made by RP. Not only was it total trash (UI and “API” both), but they nickel and dimed resi landlords AND resi tenants.

I wasn’t in RE either, not directly. We just found reasons to bill fees to tenants per their leases, and took a cut of what the LL collected.

Now I wonder if maybe we both worked for same company for at least a few months back in ‘21. Odds are very much against it, ofc.

Are you C? Lol