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Cake day: December 12th, 2024

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  • Kitathalla@lemy.loltomemes@lemmy.worldJust checking
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    4 months ago

    Some are mandated, like auto insurance. Some are because your relative loss from buying insurance is waaaaaaaay less than your loss from an actual disaster. I for one don’t mind paying (and this is an example, lol, like I can afford a home in my area) $200k over 40 years when the cost to rebuild my home after a fire, flood, hurricane, tornado, earthquake, or godzilla would be >$400k.

    Health insurance is the real head scratcher. It’s almost a guarantee that you’ll need it at some point. Pet insurance falls under this as well. A friend was telling me that it was a no brainer unless you’re the type to shoot the dog as soon as it gets mildly sick. It’s something along the lines of $40 a month, which means you’re paying $480 a year, or maybe $4,800-$9,600 over the 10-20 year lifespan of the dog (it’s a dog in this example because my fingers like the d more than the c). You know how much a single emergency with a dog can cost? Probably the entire amount you’d pay over a 10 year life span. If it is a longer problem, it balloons even more. And, importantly, right now pet insurance is where health insurance was at years ago, where they didn’t scratch out your eyeballs over every payment. It may take that turn here soon, once the industry is more established. That’s what my buddy actually wants to do, is review cases for pet insurance companies. I might have to toss him out of the car one day if it gets to the point of our human health insurance.



  • Yup. It’s why the scams by phone are so irritating to most of us, as another example. It’s just obvious and a time waster, but by making the scam easily visible to people who have the characteristics to not be vulnerable to them, it weeds out all the false positives the scammers would then have to deal with. They don’t want you, mr. bright eyed and bushy tailed, who is ready to catch them out only after hours of trying to get you to give them the code to your gift cards. That’s a lot of wasted time. They just want granny who will follow every direction.









  • I wonder if it’s less ‘looking out for each other,’ and more of a ‘the only enemy I have to fear is myself.’ Musk is powerful right now, don’t fool yourself. He’s got the backing of a fucking government, after all. He also has, just like all the other ‘rich,’ the resources to bring an endless parade of lawsuits against you, and fund them all the way through, like what happened with hulk hogan being funded by thiel. Where the rich have no fear against the criminal law (they’re protected behind corporate responsibility and thus fines[lol!]), or the lawsuits of peasants who will run out of money after a year at most, other rich have weapons against them.



  • Even 20+ years ago, it was a struggle. I had a boss who had married someone from Guatemala (I think, or maybe Peru? it’s been a decade since I talked to him) while he was in the military overseas, and ended up having a child with her. When he came back, it took TWO YEARS, the wife and child left behind in south america the entire time, to get them approved to come and live back in the states.

    edit: 20+ years ago, not 15. I forgot how long it had been since I worked for him.