Wise of you to seek out advice and plan this far ahead. I’ve moved many times and have learned a thing or two.

First, savings. Don’t minimize them. It’s always crucial to live within your means and have cash set aside. Everything costs more than you think. The move, the new place, the getting settled into a new place. Jobs may not work out. Bottom line, do whatever you can to have some savings and quickly replenish it if you have to dig in.

Second, housing and transportation. Usually the two biggest out of pocket costs. Moving to a new area means you don’t know exactly where you want to live or what commutes are tolerable and where is worth living. So find something you’re comfortable with, but don’t overspend or get too committed. I love being close to work so I don’t have a long commute and will take a much smaller place to do so. I also don’t like living with roommates, so I often cut back transit costs and other expenses to live alone. If you don’t mind living with others, you can save a lot of money. But do not be house or car poor. See the first point.

Third, furnishings and getting settled in. It will take time. Don’t put too much pressure on yourself to create a picture-perfect home or have a big groups of friends right away. These things take time, especially to be done well. Cover your household basics (a good mattress is a worthwhile investment) then keep an eye out for second hand goods to get things started. Try to expand your horizons and join local groups or clubs to make some friends with similar interests. If you notice red flags, pay attention to them. Sometimes nasty people cling onto newcomers and can cause you unnecessary stress/problems. Seek out worthwhile relationships and nurture them instead.

Moving to a new places is one of the most exciting and frightening things you can do. But as long as you avoid getting your bank account too close to zero and take your time while putting in effort to live like a local, it can be absolutely amazing. I’ve lived in different countries, met people from vastly different cultures, lived on entirely different cuisine, and simply had some of the most mind and soul-expanding adventures in new areas. I’ve also missed my home, my family, friends I left behind, things I gave up, and more. But the reality is that all the material stuff will come and go, the time with family and friends should be cherished but not limit your life, and at the end of the day, you are the one in charge of your destiny. It’s up to you and you alone to figure out where to live and what to do to discover happiness. Just make sure to give yourself a fighting chance. Don’t go broke. And avoid abusing anything. Moderation and variety.

I write too much. Good luck!

Especially if you don’t give a flying fuck about using an established process or doing so legally

I can’t say for certain where it’s from either, but the longer version is now very popular in certain outdoor groups and at US National Parks:

“Take nothing but pictures, leave nothing but footprints.”

Apparently one researcher was able to trace it back to a newspaper article from 1954 about Bandelier National Monument (an amazing spot in Utah).

https://quoteinvestigator.com/2023/05/30/footprints/

And I agree that it has many crucial implications today. We should doing more to live in harmony with nature. We are part of it, no matter how much our concrete jungles try to seem otherwise.

It’s extremely challenging for many right now due to insanely depressed wages. No doubt about that.

But for those lucky enough to have savings and their very basic needs covered, there are quite a few people deciding to live with less instead of constantly gunning for more. The FIRE movement is a pretty decent example. But even things like vanlife and rural homesteading are also along the same lines.

Others spend like crazy, barely staying within their means even when incomes skyrocket. Of course, this is what capitalism allows/causes/benefits from the most. And it’s easy to get sucked into. But it’s not the only way.

There are a lot of good, helpful people in the world that want to work together to create progress and a better society for all. And positive change is possible. Don’t get too caught up in the loud voices to the contrary.

It applies to anywhere. The problem isn’t one situation. It’s this same story, repeated thousands of times in every city across the globe.

Bobby wants to live in a house. Monthly rent prices are usually around $1,000 per month in his home town.

Joe wants to make money by renting out a house on AirBnb. Hotel prices are usually around $200 per night in the same location. If Joe rents out his house for just 10 nights a month, he can make $2,000. This easily covers Joe’s expenses and puts the extra cash in his bank account. If he rents it out for 25 nights, he’s putting away a lot of cash.

When houses are up for sale, Bobby can only spend a similar cost as his rent. Joe has been watching his bank account climb and is ready to spend a lot on another house to put on AirBnb. Joe can make a profit even if the house is double the price.

Bobby’s landlord sees housing prices rise. Decides to either (1) increase Bobby’s rent to $2,000 - which he can’t afford or (2) sell the house to someone like Joe for a major markup.

Bobby has to move in with roommates and will never be able to afford to buy a home when competing against all the Joes out there.

Huge. The short term rental housing boom is unlike almost anything we’ve seen before. Estimates put short term rentals as about 20% of the global real estate market.

If that demand drops rapidly, it will mark a major shift. Tons of buyers and capital will be wiped off the table.

I agree with the usual perspective that housing prices almost always rise over time. But this is an unprecedented event in scale, and if reversed, it will have unprecedented ramifications.

It is a serious crisis in many places throughout the world. Especially considering the income stagnation. I have lived in many cities and have heard this cry across multiple continents, from coast to coast, and at most income levels (except the ultra wealthy).

What I’m hoping becomes more popular are ways to make the short term rentals not as profitable. I really like the idea what other cities are doing by limiting the number of days they can rent it out.

Sure, rent it out for 45 days a year and get $10k total revenue and try to scrape out a profit. Or rent out the unit as your primary residence for the entire year for a similar cost.

It’s not absolutely perfect, but it will greatly reduce those willing to buy places to use as an investment for short term rentals. And that should put negative pressure on housing prices, while also opening up more units for primary residence housing.

The FTC home page has a list of options, including “file antitrust complaint.” I’m guessing that’s probably the most useful: https://www.ftc.gov/ I’ve also seen others say to email antitrust@ftc.com.

But here is the FTC contact page: https://www.ftc.gov/about-ftc/contact. And here is more generic agency information: https://www.usa.gov/agencies/federal-trade-commission

Contacting most government institutions is usually surprisingly easy and you typically don’t need to be overly concerned about using the right template or anything.

Just quickly and clearly communicate what topic it’s about, what your specific issue is, a small bit of reasoning showing why it’s a problem, and a brief conclusion that usually asks for a specific action.

You can always call the general phone number and very briefly explain in laymen’s terms what you need (maybe something g like “I’d like to submit comment about a specific technology” or something similar). The operators are usually willing to help get you in touch with the right person, as long as you can explain what you need in a succinct manner (unlike this ridiculously long comment).

Along this same train: critical thinking.

“Critical thinking is the intellectually disciplined process of actively and skillfully conceptualizing, applying, analyzing, synthesizing, and/or evaluating information gathered from, or generated by, observation, experience, reflection, reasoning, or communication, as a guide to belief and action.”

https://www.criticalthinking.org/pages/defining-critical-thinking/766

Learn how to think critically and you can do damn near anything from diagnosing car problems to understanding complex economic issues. You’ll improve your communication, your understanding, and your ability to handle the world around you. It’s where open minded meets level headed.

Did someone say people should work for free? No where am I saying that. Massive profits are not necessary to cover overhead - expenses like overheard and salaries are paid for by revenue - what’s leftover is profit.

This thread is about whether the current US healthcare insurance industry is a scam or not. Scam means “a dishonest scheme” and insurance saying it’s going to provide healthcare coverage but actually just takes your money, doesn’t provide coverage, and only pays investors/executives could be considered a dishonest scheme by many.

Insurance companies have a natural tendency to become worse and worse over time. This is called the race to the bottom and is an incredibly well-known phenomena in insurance. Like monopolies, insurance is one of the rare situations where experts are in damn-near universal agreement that heavy regulation is necessary.

Right now, insurance companies are objectively very bad to the people they provide coverage for. This isn’t an opinion, this is a fact that’s easily verified and well understood. They are not being effectively regulated and as such, are racing to the bottom by providing absolutely terrible coverage while taking in massive premiums. This is not good for anyone and is not fixed by a free market in any way. You cannot effectively shop for insurance and their behavior is not rectified, unless prohibited by law (regulation).

Many people lock in interest rates for the life of the loan. Most often 30 years for mortgage loans. You don’t have to renew a mortgage’s interest rate unless you get an adjustable rate one.

This is the main reason why mortgage applications are down significantly right now. People with super low interest rates don’t want to move because they’d have to get a new loan to do so, and interest rates are much higher now. If they stay and they have a fixed-rate loan, nothing changes.

It’s true insurance companies need to take in adequate premiums in order to have the money the money to pay claims. And when done in balance, insurance is a great thing. Not all insurance in a scam, no doubting that.

But the current state of insurance, especially health insurance in the US, shows that these companies are making massive profits. How does this happen? Literally one way: They take in more premiums than they pay out in coverage. How? By either knowingly overcharging people or skirting out of paying covered claims through other means (such as baseless rejections).

That’s the problem with the entire insurance industry and why it must be properly regulated in any industry: It is a race to the bottom. The worse the insurer treats the people that buy insurance from them, the better the company does financially (charge a lot, pay out a little). Mix in the fact that (1) you cannot shop around at the time you need a claim and (2) the contracts are so intensive only a sophisticated legal team can interpret them, and it’s a recipe for disaster.

So you’re right that all insurance isn’t necessarily a scam. But if you can’t see that the US health insurance industry raking in profits shows serious dysfunction that could be considered a scam, it’s worth taking a second look.

Very interested to see how the “small government” crowd deals with this.

Money is the key and I agree it will take some massive disruption to overcome the current state… But just because someone holds the cash now, doesn’t mean they always will. History teaches that lesson over and over again, especially with new technology.

Uber vs taxi monopolies. Netflix vs Blockbuster. Apple vs BlackBerry.

The technical challenges are real and there’s definitely some time before it goes mainstream, but it seems almost inevitable for this to be the future of gaming.

Streaming movies was once thought unrealistic. Subscription music used to be a fringe product. Even online gaming through consoles/PCs has gone through tremendous change.

Like all the other streaming products, the creators are the ones positioned to get the short end of the stick. Hopefully that can be avoided.

I don’t disagree entirely. And this article is a little light on the details… But I think the main reason behind the legal liability is the lack of transparency - which could be interpreted as having a malicious intent to push people to upgrade their hardware.

Needing to adjust performance is acceptable. Maliciously adjusting performance to motivate people to buy new devices isn’t. Pretty sure that is one of the major factors in this case.

I thought it was still great in 2019. And felt the same warmth and welcoming vibes, with plenty of great food.

It was obviously experiencing a lot of growth with plenty of tourists then. Some complained it was getting a little too touristy/crowded, but seems like you can find someone saying that phrase about nearly anywhere you go. Especially enjoyable places, which of course, tend to be popular.

I’ve successfully replaced too much screen time with reading. To do so, I always have at least one “heavy” book (typically non-fiction) and one light book (typically fiction) that I’m reading at the same time, mixed with constant access to both (kindle with synchronized kindle apps) and a strong desire to change my habits. It takes time but is well worth the effort.

Your desire for change is the most important step, don’t belittle it. Many people never have that voice. Let it fuel you. Small changes will build into a big transformation if you foster them.

Legal basis for suing a company that uses another company’s product/creations without approval seems like a fairly pretty straightforward intellectual property issue.

Legal basis for increased taxes on revenue from AI or automation in general could be created in the same way that any tax is created: through legislation. Income tax didn’t exist before, now it does. Tax breaks for mortgage interest didn’t use it exist, now it does. Levying higher taxes on companies that rely heavily on automated systems and creating a UBI out of the revenue might not exist right now, but it can, if the right people are voted in to pass the right laws.