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Joined 1 year ago
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Cake day: June 12th, 2023

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    1. Started a small mutual fund and retirement fund when I was just starting out and still in undergrad. I did not have much and was fully self sufficient. But someone came to my job and showed us how retirement plans worked and convinced me to start one. Same with a mutual fund. I never put more than $20-$40 in each because I didn’t have much but boy did that pay off.

    2. I purchased a small condo in the city with some of the money I put away in #1. Just sold it recently (20 years after purchasing it; lived in it for 5 years, rented it out for a profit for 15 years). I made a lot of money off that sale. More money than I’ve ever seen at once.

    3. My spouse and I have always lived below our means. Now we’re not frugal - we go out for nice dinners, travel, have kids. We also have good jobs. But, when we purchased a house we could have afforded to get one that was $600k and instead opted for a smaller townhome in a nice neighborhood for almost half the price. Living this way has paid off more than I could have ever imagined. Both of us don’t have to work. We travel whenever we want. We could technically both stop working in our 40s/50s and probably be fine. It’s a feeling of freedom. We’ve never over-extended ourselves. When our colleagues and friends were buying expensive homes and expensive cars and extending themselves, we just didn’t do that.




  • This is actually a terrifying prospect that would only make the situation worse. The kids stuck there and being educated in this propaganda are the ones who will need higher education the most! It is not their fault their parents are living there. And while some parents may have a choice in the matter, many do not as relocating in the U.S. is very expensive and impractical for some families.

    I actually feel like the opposite is needed - that public universities go out of their way to accept kids who were educated in Florida in the hopes of actually being able to educate them and break the cycle that is currently feeding this wave of fascism.


  • I downloaded the public beta and so far it’s actually been really good. It appears to have solved an issue I had with Verizon reception so that’s nice. Loving all the little improvements.

    Issues I’ve run into:

    • if I try to rearrange my homescreens, it causes the phone to crash
    • at first I could not pick a different Lock Screen but that issue sorted itself out after about an hour.
    • occasionally the keyboard does not appear when I go to respond to a text message. But it’s not consistent and closing and reopening the messages app solves the problem.

    So far battery life seems the same. My phone did run hot yesterday for a few hours after updating (which happens with every major update in my experience), but today it is normal temperature and running fine.











  • I like mastodon but the content you see is only driven by two things: the people you follow and the hashtags you follow. Basically, you follow people and hashtags to effectively create your own “algorithm.” Once I understood this and really made an effort to follow both people and hashtags that interested me, my Mastodon feed became way more interesting than my Twitter feed.

    I also like the quality of the interactions better on Mastodon. Because of how the whole thing works, you’re not going to get bombarded with horrible stuff in most cases (at least the chances seem to be far less for that kind of thing happening).

    But it definitely takes more time and energy to curate compared to Twitter.


  • A lot of this has more to do with the mindset people approached Twitter with than the service itself. Honestly, I always approached Twitter the way you describe Mastodon here. I just wanted to find people who had interests similar to mine and connect with them, as well as find interesting news. Maybe that’s why moving from Twitter to Mastodon has been to seamless. Just a lot less anger and hate on Mastodon from what I’ve experienced. A much nicer atmosphere.





  • So a few things. This is a CVS minute-clinic visit, not a visit to a general provider. The minute clinics have contracts with insurance companies that look a bit different in terms of what and who they are permitted by the insurance companies to treat. There are some really odd variations in these contracts by insurance companies for reasons that are not always grounded in science.

    This, as you’ve noted, is an unfortunate reality of a for-profit health care system that is dictated by private companies, insurance companies, and mind-bogglingly complex contracts that sit between providers and patients. The most annoying part IMO is that insurance companies provide zero transparency into these contracts and the justification behind decisions. It’s all “business decisions” at the end of the day, not decisions that are medically sound and in the best interest of the patient.

    And for those wondering why OP maybe just didn’t go to a “regular doctor” - the U.S. has a horrible shortage of general practitioners (primary care) physicians. This shortage is worse in some areas than others. And even if you’re lucky to live in an area that has general practitioners, the waiting list to get into their practices might be long. This leaves many people relying on a “doc in the box” aka CVS Minute Clinic or some similar outfit. These doc in the box clinics often only have a nurse or nurse practitioner on site, with a supervising physician off side. They are for-profit entities and they work with the insurance companies to design their contracts to maximize profit.

    If you ever find yourself in OP’s physician, one easy way to get around this is to indicate that the visit is for something more general, like abdominal pain or unexplained fever. While the staff still might refer you off to another provider, it might be a good way to at least “get in” with someone.

    Another option is to visit a local urgent care clinic if one is available and covered by insurance. These are often staffed by actual physicians so they can treat a wider range of conditions. Many often even have testing facilities right on site for a number of issues.

    Finally, another option is to call your insurance company and see if they have an over-the-phone nurse consultant available. They can usually help direct you to the right location for treatment based on your symptoms and insurance coverage.

    But yes, OP, I agree with you that we need something better. Medicaid and Medicare have slowly been expanding and my hope is that they will eventually expand enough to cover all Americans. it has been proven that they can still operate without completely decimating the insurance industry (see Medicare and Medicaid managed care). While I don’t agree with for-profit health insurance, the reality is that they are a lobbying force that has to be worked with if we are going to get everyone universal coverage.

    Source: Health policy professional by trade, extensive experience within the health care industry