yofuckreddit's profile - The Motte
@yofuckreddit's banner p

yofuckreddit


				

				

				
0 followers   follows 0 users  
joined 2022 September 05 17:26:20 UTC
Verified Email

				

User ID: 646

yofuckreddit


				
				
				

				
0 followers   follows 0 users   joined 2022 September 05 17:26:20 UTC

					

No bio...


					

User ID: 646

Verified Email

Yes, and an HSA. If you get lucky it's fine I guess, though premiums are outrageous. If you get unlucky you get super-fucked. Almost all of your money gets vaporized through premiums and creative deductible accounting to make you hit OOP maxes, even if you make 6-figures.

Some have suggested going it on your own. That's possible. Having been the first employee at a company, I can tell you if you're looking for excitement, it's uh... there. It ended well for me, and I think it would for you, but be prepared for a roller coaster.

Another option is moving to a better firm that values hard work and creativity. Culturally, it seems like Accountants like sticking with their firms come hell or high water, which is an alien concept to me as a software engineer. I'm not saying a better firm is common, but would moving after busy season be something you'd be interested in doing? Using your expertise as a Consultant to make more money and do more varied work?

Unfortunately this is how insurance used to work. Now for a plan to be legal and widely available, it has to cover a huge swath of services, including preventative and elective stuff.

Some things I know:

  • You can find a GP and dentist who will let you pay a flat rate per visit or year to cover preventative healthcare.
  • You can use sites like mdsave.com to get massive discounts on things like MRIs etc. - basically by paying upfront you can get an MRI for $600 that would be a $2,500 walk-in.
  • Catastrophic health plans are only available if you're under 30 or poor. Even then they're required to cover preventative junk.

My opinion is that you're better off being uncovered and negotiating that ER visit if you get in a car wreck, but if the hospital comes after ya and you have a fat savings account maybe they're going to take it all anyway.

Very frustrating that a DIY approach is so barely viable.

Fuck. I must have missed the end of the auto money market rollover part - that really does suck. I also didn't know about the 2% card (I just use a Citi Doublecash right now).

TY for the heads up.

I won't rehash too much of my Friday Fun Thread comment about cars, but some points to consider:

Buying new still kind of sucks from a value proposition. You'll almost always regret the equity you drop for a car being new. That feeling lasts 3-6 months and you pay for it for 3 years. Buy something fresh off lease instead. This is one of the most extreme examples you can think of, but getting a Panamera for $40k (compared to what would be a $238k sticker today) is amazing.

If you want a car to not spy on you, you'll have to get an older car. I have not seen communities to lobotomize modern cars, it seems difficult and would disable features that you only get with new cars. It's much more likely to find communities that modernize older cars with newer features.

I find the nannying and eco/safety features of modern cars infuriating. It's like watching commercials on TV; they almost make me physically sick. However, there are some killer new car features I lust after:

  • Radar Cruise Control
  • Apple/Android Car Play
  • Heated Steering Wheels

If you go after those, I don't think you can go wrong. Getting something with enough space to put stuff in is important.

I know you view these as just an appliance but any other detail at all? Do you go on long drives? Do you go camping? Do you care how it looks? Any brand preference at all?

I'm lucky my wife is reasonable about these dates. We sometimes have to have discussions about what I would consider to be common sense: Stuff suspended in olive oil and in the fridge is going to be OK to eat for a long time, a sauce that's almost all vinegar and salt is the same way, etc.

Over the years I've discovered some manufacturers are too aggressive with these dates, but the vast majority are too conservative. I would get frustrated quickly at someone throwing out food that's still good all the time.

I also use Schwab. Out of all the brokerage platforms, I think it has a decent application, good customer service, low fees, and provides access to a cheaper/more feature-rich Amex platinum.

Their checking account is always free with unlimited ATM reimbursement and no foreign transaction fees. It's a gateway drug to the brokerage and it works.

I moved my rollover retirement accounts to Robinhood to make 3% on all of them last year and will move them back once I can.

At Krispy Kreme, you can and should request an unglazed donut. Combine it with a glazed one and it's the perfect level of sweetness.

I suspect we hail from the same state. My relatives produce better deviled eggs and bacon, but equally bad coffee. I'm disappointed that your best burger was from Denny's.

I wish I had read this when you posted it to better participate in the conversation but oh well.

I can see why it's exhausting, but you must admit he often just says dumb shit pretty often.

Best case scenario is that they're just used as threats to receive other concessions

Mexico capitulating this morning suggests your analysis is close to the money. My follow-up is: What do we want from Canada that's equivalent to 10,000 troops at the border?

I think a German Shepherd is a really strong choice for the reasons you've mentioned. They're also great pack carriers - I have a friend who backpacks with his. A pitbull isn't going to be able to travel long distances with you as well, and border collies / Austrailian shepherds just aren't vicious and powerful enough as a defensive weapon.

I'm a huge dog guy, but it sounds like you got lucky with good cats. Cherish it, the best of them are super cool.

As to the gender coding of pets, consider that dogs are physically bigger and can be used for masculine pursuits. A dude wearing camo out with his Irish Setter or Retriever is one image, a Pitbull straining at a chain link fence to rip out your throat, or a shepherd wearing NVG.... There's no equivalent to a house cat.

Everyone else has mentioned compelling other reasons. I very recently have thought about the doggification of the internet as a symbol of it being September as @WhateverHappenedToNorman points out. I find cats to be temperamentally unpredictable while moving with a delicate sensuousness - obviously female-coded. It all adds up!

Edit: Car typo fixed >:(

I'll tell ya that you can be right, but I wouldn't hang your hat on it.

The difference between guys who have a "piece of shit" reputation and those who don't is that the latter are better at figuring out when women, for some reason or the other, are not acting in their best interests when it comes to the relationship.

You can be banging a woman you see no future with, she'll be down all the time, but her friends will let you know she needs commitment or bust.

I've been in shoes much like yours. I've broken up with people I'm really into, that I sent mixed signals to, but it wasn't a permanent thing. Better late than never - and y'all should definitely formally break up.

May reply more substantially later, but maybe you just leave this typo (?) up:

Plato wrote that a state ruled by such "democratic men" is on the brink of descending into tranny.

Yes it's worth going to the end. It's not as legendary of a finale as, say, The Wire. But it's a hell of a lot better than the sopranos.

I rewatch mad men every couple years, it's that good.

People's opinions on this are going to differ, but I personally really like being able to passively keep up with people I was once close with.

The tall awkward girl who flirted with me in high school is now married to an indian guy and is a therapist out in LA, my study buddy from college is swimming and biking a lot and recently changed jobs, another reconnected with the girl we always knew he was destined for and has a kid....

I do see these people in real life occasionally as I travel back home, attend a wedding, or put together a guy's trip. Being able to launch directly into relevant conversation is worthwhile, and I still actually do care about what they're up to.

Sure, there were some folks who went off the deep end in some sort of way, and changed beyond recognition or value as people. But is a tweet or some harebrained shit from reddit really more worthwhile content than staying connected to the mostly-good people I've met? I'd argue no. I miss Facebook quite a bit.

Sorry, I did not consider that you didn't have an account. I personally think it's worth having one to lurk. It's still a great source of info.

Here's the image describing it but to summarize, the methodology uses an AI model trained by experts about "meaningful" commits. In other words, not Lines of Code, which I agree is an imperfect metric at best.

How well do you think it translates to other jobs?

Probably well, on the balance. First, it's probably the profession best positioned to be analyzed in terms of measuring output. Second, if any job can be effectively executed in a WFH context, it has to be software. There's no other industry with more capabilities to deliver value remotely. This is probably the absolute best case for WFH advocacy. Even the sub-disciplines near software engineering like product ownership are even more hilariously ripe for grift.

As I mentioned in another comment, I am a big WFH advocate. It's made my life measurably better, and the company I work for deals with its benefits and drawbacks very well.

But I think most places are not, and very few (no?) frontline workers are interested in being honest about the downsides.

That would make the study's conclusions even "worse" in terms of proving that WFH is bad for most software shops.

It's pretty intuitive and not that complicated. The best engineers have an enormous amount of leverage. They can demand the best and most flexible jobs, and can be so effective in less time that they can take the most advantage of WFH while still providing high value.

The grifters who benefit from low accountability will also gravitate to those positions.

I work for a high-performing organization that is extremely WFH friendly. We have many elite engineers and have built our culture around it. Even so, we have to fire grifters every once in a while.

The twitter thread shows the methodology. Please actually read it.

It's my industry, so I think it's as good as it can reasonably be.

This is fun to think about, but while this only applies to software engineering, the gist of the most recent and comprehensive study I've seen is that:

  • WFH orgs have the most top tier talent (> 1x engineers) but far more "ghost engineers" (<.1x)
  • On the balance, WFH orgs have less overall output

We'll see how it pans out, but if any industry is ripe for WFH fraud it absolutely has to be the government.

And then hire who? The industry's biases are endemic. Even if you have a pragmatic and fair HR leader, it's insanely difficult to find non-racist/sexist HR professionals.

Then, government is its own animal. You need to both know and understand how it works, and be comfortable with being part of the grift machine. They're checking boxes. Affirmative action made things easier for them: You have two hires, they've all lied about their qualifications, and you don't have to think about work ethic or intelligence. You just say "Darkest Wins" and move on.

Sorry for the blackpill, but an EO changes far less than you would suggest. Maybe 10% improvement. This needs to be enshrined in law, and even then it can't be 100% effective.

Bluntly, I didn't consider this downside. I still think the inevitable dilution of entitled incompetents may be worth it.... but I can see this changing the algebra there.

I don't like this continuing tradition of using executive orders to run the government. From what I remember this started in earnest under Bush 2.

It absolutely did. I'll put it this way, I'm preparing my soapbox and case for my next lefty-friend gathering around precisely this. You have to be a numbskull of the highest order to look at these Day 0 edicts - many of them simple see-saws of EOs from the last administration, which were the same of the n-2, which were the same of n-3... to be unable to recognize how ridiculous this all is.

Many of these leftists work in the military industrial complex. They are simultaneously bemoaning this election and shitposting virtue signaling crud, but will have now spent the majority of their careers building muder machines for republican presidents.

I will be begging these people to think about the next election, or perhaps reflecting on how previous ones have led to this. I don't expect success, but at least appreciate the vibe shift may at least allow some sort of basic conversation.

Not sure how prone you would be to cheating but really avoiding even the first step that would lead to that process is key.

Specified date nights is big, but then occasional phone calls when you're free and walking somewhere. That can help alleviate her stress if she's an anxious texter and you aren't a big one.

Possible to play a game with her at the same time? Could be anything - animal crossing for instance

Others have commented advice and armchair diagnoses. I would agree, and suggest you stay talking here even if you're not slinging it out in the political threads.

Your ennui is familiar to me and appears in cycles. The difference (perhaps) is I have spent another decade investigating what can pop me out of it. I have a suite of activities and people that are reliable sources of semi-religious joy, and have mentally exercised enough to silence or survive the yawn of the god-shaped hole when it appears.

Put another way, it could get better. Even if it involves some lame bullshit like medication or therapy! I'll echo self_made_human and say it's worth a shot.