Lurker > IdiotMachine
LurkerFAQs, Active DB, DB1, DB2, DB3, DB4, DB5, DB6, DB7, DB8, Database 9 ( 09.28.2021-02-17-2022 ), DB10, DB11, DB12, Clear
| Board List | |
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| Topic | Made the switch from iOS to Android... Meh. |
| IdiotMachine 11/05/21 2:18:23 PM #1 | Made the "upgrade" from an iPhone 12 Pro to Pixel 6 Pro, and after a couple of days on Android? Meh... It's like the same thing as iOS. I mean sure, there's more customization options, but I don't much care for that. Thought it'd be like a different world (PC vs Mac OS), but since everything is just done in apps, and all apps are pretty much the same, there doesn't seem to be a big difference. So far, the likes:
The dislikes:
Overall, both platforms seem pretty damn similar, with no clear winner in my book. --- |
| Topic | Your child joins the military. Are you proud? |
| IdiotMachine 11/01/21 3:17:59 PM #1 | (S)he want to serve his/her country. Are you proud?
Vote
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| Topic | Why is medical debt still a problem, if there's an OOP maximum limit? |
| IdiotMachine 11/01/21 1:32:18 PM #30 | TheGoldenEel posted... Ok but doesnt this provide at least one answer to the question posed by this topicYea, and I acknowledged it: IdiotMachine posted... You're talking about HMOs? They're supposed to cover emergencies, but I understand the sentiment (e.g., @ScazarMeltex case of lab work being out of network). Still not sure how these types of things result in people being in tens/hundreds of thousands in debt... --- |
| Topic | my apartment's payment service charges a minimum of 1.95 percent per payment |
| IdiotMachine 11/01/21 1:13:56 PM #7 | Questionmarktarius posted... So long as you're charging me a "convenience" fee to make it more convenient for you to take my money, you're getting a goddamn check in the mail.My sewage and garbage bills charge a $0.50 convenience fee to pay via direct ACH vs. sending in a check. I used to send a check via my bank's bill pay service (which is free, vs. using my own envelope and stamp), but I stopped that... it really is convenient to just have it autopay vs. me taking action and forgetting or something. --- |
| Topic | Why is medical debt still a problem, if there's an OOP maximum limit? |
| IdiotMachine 11/01/21 12:58:41 PM #25 | littlebro07 posted... I believe when something isn't covered then it doesn't count toward the OOP maximum, since right now my wife's OOP maximum is $5k and the total amount owed is $5200 with $600 of that being the two tests that weren't covered in one claim, thankfully the other four were covered.That is true. I know that when something isn't covered, that doesn't count towards your deductible nor OOP maximum. littlebro07 posted... some of the testing they did afterwards to make sure my wife is healthy and not at risk of another loss due to genetics wasn't covered. It's so dumb, and in most cases you have no idea if the procedure is going to be covered until weeks later when the claim gets processed.Agreed... but I feel like this is something your healthcare provider failed you on. We had our first prenatal visit last week, and we asked about the NIPD test. The doctor straight up said our insurance will not cover that, and if we want to do it, we can do it but will have to pay out of pocket. --- |
| Topic | Why is medical debt still a problem, if there's an OOP maximum limit? |
| IdiotMachine 11/01/21 12:50:52 PM #22 | KiwiTerraRizing posted... Lots of people dont have insurance and lots of people have shit insurance where the deductible and OoP is astronomical.
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| Topic | Why is medical debt still a problem, if there's an OOP maximum limit? |
| IdiotMachine 11/01/21 12:46:38 PM #19 | TheGoldenEel posted... Ive never had to navigate the maze that is the US healthcare system the topicNot true. I got radioactive iodine therapy for thyroid cancer treatment when I was in college, and it was straight forward / invisible process for me (doctor recommended it, insurance apparently wanted a 2nd opinion, so the doctor got me a 2nd doctor to look and agreed; then insurance covered it all). --- |
| Topic | Why is medical debt still a problem, if there's an OOP maximum limit? |
| IdiotMachine 11/01/21 12:33:21 PM #11 | uwnim posted... Even when they arent supposed to, the providers still bill people for whatever they couldnt get from the insurance and most people wont know how to or be able to fight that.You're talking about HMOs? They're supposed to cover emergencies, but I understand the sentiment (e.g., @ScazarMeltex case of lab work being out of network). --- |
| Topic | Why is medical debt still a problem, if there's an OOP maximum limit? |
| IdiotMachine 11/01/21 12:25:36 PM #7 | uwnim posted... No insurance. Hospitals being in network but using out of network surgeons, anesthesiologists, etc which insurance then doesnt fully cover and those people then bill you directly for the remainder.In network or out of network doesn't matter to the insurance maximum OOP; it only matters to the percentage they cover before meeting the OOP. --- |
| Topic | Why is medical debt still a problem, if there's an OOP maximum limit? |
| IdiotMachine 11/01/21 12:21:05 PM #1 | Health insurance is a requirement to have in the US. I went to healthcare.gov and looked for the cheapest option, and it's $197/mo. It has a maximum out of pocket of $8,700. So no matter what the hospital bills me (those crazy six figure bills), maximum I'll pay is $8,700. So.... why is medical debt (in the order of tens or hundreds of thousands) still an issue...? --- |
| Topic | Fuck Joe Biden |
| IdiotMachine 11/01/21 12:16:23 PM #32 | |
| Topic | Burger king gave me a free crypto |
| IdiotMachine 11/01/21 12:05:15 PM #2 | |
| Topic | It's not illegal to tint your car windows? |
| IdiotMachine 11/01/21 11:57:30 AM #9 | In PA, if you have an SUV or a truck, you can do whatever the fuck you want for the back seats:  No idea why that is... --- |
| Topic | Our net worth is $374k. Jelly? |
| IdiotMachine 10/31/21 12:17:48 PM #27 | CE_gonna_CE posted... Are they worth more now than what you paid for them? If so, nice.Significantly more. The electric car, I bought brand new for $14k after all the dealer/state/federal incentives (down from sticker price of $27k). The truck, I bought brand new for $27k with a sticker price of $54k b/c this was literally during the COVID shutdown and dealers were begging for buyers. --- |
| Topic | Our net worth is $374k. Jelly? |
| IdiotMachine 10/31/21 11:33:29 AM #22 | CE_gonna_CE posted... I know things with the car market are nuts and vehicles really are worth way more now than a year ago, but having the net asset value of those making up ~10% of your total NW just seems a bit high and risky to me. Its not terrible or anything, but just high to me for personal taste.We have three cars: two 2019s (one's an electric car, the other's a pick up truck), and a 3rd old 2010 beater. That's why they're "worth so much" lol --- |
| Topic | Our net worth is $374k. Jelly? |
| IdiotMachine 10/31/21 11:26:26 AM #16 | BignutzisBack posted... I need to know what the interest rate on your student loans are before I say anythingOur student loans are 2.99% APR. Don't see the point in paying more than minimum at those rates, so we haven't. Hexenherz posted... I am happy for you not jealous! A few years older and our networth is about 500k. <3 --- |
| Topic | Our net worth is $374k. Jelly? |
| IdiotMachine 10/31/21 11:01:48 AM #11 | Njolk posted... Your extreme amount of debt is anxiety inducing to me See: IdiotMachine posted... Honestly thought we'd be in the negative b/c we have so much fucking debt... lol... but I guess it comes with the territory. --- |
| Topic | Our net worth is $374k. Jelly? |
| IdiotMachine 10/31/21 10:28:41 AM #7 | Forever_Black posted... Thats average honestly, my net worth was around that when I was 24 and i thought I was struggling.=( --- |
| Topic | Our net worth is $374k. Jelly? |
| IdiotMachine 10/31/21 10:20:49 AM #4 | SK8T3R215 posted... That's a lot of candles.Been buying a lot of shit lately b/c we're expecting, and we're not doing a baby shower. --- |
| Topic | Our net worth is $374k. Jelly? |
| IdiotMachine 10/31/21 10:18:37 AM #1 | rujelly?
Vote
My wife and I hit 30 this year, and here are our financial status (rounded to the nearest thousand). For context, our income is about $194k ($156k is salaried, and $38k expected in other income this year). We have two homes, one is our primary residence, the other is a rental unit. This rental unit is temporary, because in about a year, we're going to gift this to my parents when they retire (so that $38k supplemental income will go down to about $10k for another side hustle I do). I got into the memestocks and opened a brokerage account with Fidelity, where I lost about $10k, so I stopped doing that (which is why I do not have a personal brokerage account with $$$). "Negatives" Combined Mortgages: $502,000 Student Loans: $70,000 Car Loans: $36,000 Credit Card Debt (paid off every month): $6000 "Positives" House Values (per Zillow): $682,000 Cars (per KBB, mid-value): $78,000 Bank Account (Checking/Savings): $32,000 Roth 401k: $148,000 Roth IRA: $36,000 HSA: $12,000 Net Worth: $374k I feel good where we're at. Honestly thought we'd be in the negative b/c we have so much fucking debt... inb4_18yearoldwith$100milnetworth --- |
| Topic | Greta Thunberg is now 18. |
| IdiotMachine 10/31/21 9:48:31 AM #1 | |
| Topic | Remember when you thought having $50K to your name was a lot? |
| IdiotMachine 10/30/21 2:13:41 PM #2 | |
| Topic | Hairdresser was upset at me for tipping $5... lolwtf? |
| IdiotMachine 10/30/21 1:03:40 PM #19 | Solid Sonic posted... But services like Uber Eats and Doordash exist SPECIFICALLY to bring you food. They're just being contracted out to do a single role so that's the entire point of them coming to your house. In those cases the service they're running food for should be paying them to do it, it's not an extra service that doesn't need to be provided by the restaurant.Apparently you're supposed to tip these people like $5 or 20% of the food, whichever is more. Seriously wtf. --- |
| Topic | i give you kitties happy to see their owners |
| IdiotMachine 10/30/21 12:55:48 PM #6 | Honestly, until I got cats, I didn't know cats were so emotional. Thought they were just assholes all-around, but my cats are sweet cuddlebugs and always follow me around. --- |
| Topic | Hairdresser was upset at me for tipping $5... lolwtf? |
| IdiotMachine 10/30/21 12:53:55 PM #15 | |
| Topic | Hairdresser was upset at me for tipping $5... lolwtf? |
| IdiotMachine 10/30/21 12:48:25 PM #14 | OVERGOATED posted... This happened Derwood posted... This story doesn't sound made up at all Brah, people are so entitled now. Apparently, you're supposed to tip for takeout too. Look at Chili's defaulting to an 18% tip for takeout, and no "no tip" option unless you click on "Custom Tip":  --- |
| Topic | Police telling parents how to search their kids' rooms. |
| IdiotMachine 10/30/21 12:36:03 PM #12 | ScazarMeltex posted... Reminder that kids essentially have zero rights regarding their own personage or property and are in essence the property of their parents. Which is bullshit.Reminder that kids also essentially have zero responsibilities. Their fuck up is blamed on the parents. --- |
| Topic | Hairdresser was upset at me for tipping $5... lolwtf? |
| IdiotMachine 10/30/21 12:33:27 PM #1 | Literally at Great Clips, and it was a $15 cut. I gave her a $20, and said to her to keep the change. She literally asked "that's it?" and I said "Excuse me?", and she dropped it thereafter. Brah... I'm at Great Clips. Clearly, I don't give a shit about my hairstyle and just want a short haircut. When I used to go to actual stylists with $40 haircuts (before getting married lol), I tipped $10, and even that, I thought was "generous". Am I just out of touch? https://www.youtube.com/watch?v=hYAuR5bkIlQ --- |
| Topic | I don't remember ever being in a car seat wtf is up with these things? |
| IdiotMachine 10/29/21 4:59:49 PM #5 | NoxObscuras posted... Better safety regulations than in the past. That's all. In my state, it's booster seat until 8 years old or they reach 4'9" in height. The weight requirement was removed.What business does the government have to dictate what I do with my child in my own car? Why arent I trusted to provide safety to my own child? This is ridiculous. --- |
| Topic | I don't remember ever being in a car seat wtf is up with these things? |
| IdiotMachine 10/29/21 4:43:12 PM #1 | Apparently youre supposed to use some variation of a car seat from birth until like 12 years old (~5ft, ~100lbs). Wtf? I dont remember ever sitting in a booster seat growing up. --- |
| Topic | Moving from iPhone 12 Pro to Pixel 6 Pro. Am I an idiot? |
| IdiotMachine 10/26/21 6:02:06 PM #33 | toyota posted... So did it end up being good or did it just end up being another meme thats all specs on paper but then an iphone still ends up being better lol IdiotMachine posted... So looks like for photos, Pixel is better, but for videos, iPhone demolishes Pixel. --- |
| Topic | Moving from iPhone 12 Pro to Pixel 6 Pro. Am I an idiot? |
| IdiotMachine 10/25/21 9:01:36 PM #20 | Im also a little disappointed that the Pixel 6 Pro is being compared to the iPhone 13 Pro, and is LOSING to video recordings and sound quality. The iPhone 13 Pro is an older phone (not by much, but still came out first); and why is the gold standard an iPhone? Bah. --- |
| Topic | Moving from iPhone 12 Pro to Pixel 6 Pro. Am I an idiot? |
| IdiotMachine 10/25/21 7:06:45 PM #18 | So looks like for photos, Pixel is better, but for videos, iPhone demolishes Pixel. --- |
| Topic | When do you consider a property a luxury apartment or condo? |
| IdiotMachine 10/24/21 8:08:30 PM #8 | 24/7 doorman, receptionist, and mailroom clerk. All three have to be separate staff. --- |
| Topic | Why protest losing your job when the company went bankrupt? |
| IdiotMachine 10/24/21 8:02:26 PM #1 | Roughly 50 former flight attendants from Alitalia gathered around the square outside of the Campidoglio in Rome to protest job losses and pay cuts. The protesters gathered in their Alitalia uniforms and then proceeded to strip down to their underwear, chanting "We are Alitalia." In August, Alitalia Airlines announced that starting on Aug. 25, all flights after Oct. 15 would be canceled due to the company going bankrupt. The airline completed its final round of flights on Oct. 14. https://news.yahoo.com/italian-flight-attendants-strip-clothing-193900008.html Guys they went bankrupt. You protesting wont do shit lol --- |
| Topic | What size bed do you sleep on? |
| IdiotMachine 10/24/21 2:20:08 PM #1 | |
| Topic | Have you ever left your country? |
| IdiotMachine 10/24/21 10:44:04 AM #1 | Topic.
Vote
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| Topic | Moving from iPhone 12 Pro to Pixel 6 Pro. Am I an idiot? |
| IdiotMachine 10/23/21 10:52:19 PM #11 | toyota posted... it wont be. you most likely would have to deal with all sorts of bs where with the iphone you can just point and shoot with similar results. But for real, im sure most of the top phone photographers just use iphoens to begin with The camera they peddled (computational photography, motion blur and unblur, and magic eraser) is literally the only reason I preordered this thing. --- |
| Topic | Moving from iPhone 12 Pro to Pixel 6 Pro. Am I an idiot? |
| IdiotMachine 10/23/21 10:48:32 PM #9 | I fell for the Pixel koolaid with their computational photography and machine learning stuff they peddled. I really hope camera is as good or better than 12 Pro. --- |
| Topic | Moving from iPhone 12 Pro to Pixel 6 Pro. Am I an idiot? |
| IdiotMachine 10/23/21 10:36:24 PM #1 | Never bought an android phone at full MSRP before since android phones drop in value but Ive never been this excited about a phone ever since literally the first iPhone. --- |
| Topic | Baby car seat question: Why can't I find an all-in-one with a car-base? |
| IdiotMachine 10/23/21 12:49:18 PM #3 | CapnMuffin posted... Yeah theres basically two stages to the kid car seat saga. Oh... so something like this would work: https://www.amazon.com/Graco-FastAction-Travel-System-Hilt/dp/B07K96FDT8/ With a purchase of a car base for that infant carrier. Then after a year, buy that Graco 4-in-1 and ditch the car base; I can still use that stroller by itself to up to like 3 years, then transition the baby out of the stroller. Thanks! This is more complicated than it should be... --- |
| Topic | Baby car seat question: Why can't I find an all-in-one with a car-base? |
| IdiotMachine 10/23/21 12:37:55 PM #1 | I'm getting frustrated... I've heard that you should absolutely get a base that clicks in the baby car seat carrier, because it's significantly easier to harness your baby in the house then click the seat into the base than to harness the baby outside in the car. But everything I'm seeing, like this Graco 4-in-1 car seat: https://www.amazon.com/Graco-4Ever-Extend2Fit-Convertible-Clove/dp/B01N3MYMB2/ Doesn't have that feature. Are there any all-in-one car seats with the car base feature? Or do I have to buy two separate car seats (one that's an infant carrier which have car bases, and then after a year upgrade and buy one of these all-in-ones where it just stays in the car all the time)? --- |
| Topic | How is Matt Gaetz still serving? |
| IdiotMachine 10/22/21 11:31:42 AM #1 | |
| Topic | For non-US: How much of the US do you hear about? |
| IdiotMachine 10/22/21 10:12:43 AM #5 | |
| Topic | For non-US: How much of the US do you hear about? |
| IdiotMachine 10/22/21 12:50:43 AM #1 | In your media, how much of it is about the US (like does a news channel talk about US news regularly?) or is from the US (popular shows?)? --- |
| Topic | I tip $0. Deal with it. |
| IdiotMachine 10/17/21 7:50:29 PM #18 | RiKuToTheMiGhtY posted... No one tips when its carry out or pick up, tipping is for delivery and when your sitting down in the place to eat.Restaurants are starting to default a 15% tip for pick up. --- |
| Topic | I tip $0. Deal with it. |
| IdiotMachine 10/17/21 7:32:02 PM #1 | |
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