patryn20

8 ms·

31.
by patryn20 9y ago
There is still no legitimate use of bitcoin beyond niche markets and speculation. Besides maybe a very risky (as in unpredictable value on delivery) method of money transfer. It is and has always been a criminal and launderer toy. I am ver
32.
by patryn20 9y ago
When any company gets large enough they become a repository of technical failures and an acquirer of the same. Unfortunately that ultimately matters little to stock value and market share.
33.
by patryn20 9y ago
I was more naive, but it worked out. Reported a vulnerability and how to fix it to a regional bank when applying for a student loan. They asked me to come in person to explain it and dropped a point off my interest rate. In hindsight it was
34.
by patryn20 9y ago
That's fair. The point I was hoping to make though is that being self employed or even running your own startup has significant non-obvious financial risks/externalities when it comes to emergencies and healthcare in the US. Those
35.
by patryn20 9y ago
Honestly that number was mentally calculated late at night based on my personal experience and actual costs including taxes. Most group plans at decent employers have many, many fewer billing code exclusions. They also tend to offer better
36.
by patryn20 9y ago
I've been fully insured to the extent that insurance was available. Meaning that before the ACA I was generally uninsurable so large amounts of money were set aside and state high risk pools were applied to (those are a whole other can
37.
by patryn20 9y ago
Well that is interesting. What is your original country of origin?
38.
by patryn20 9y ago
I strongly second the long term disability insurance. Once you need it the opportunity to reasonably purchase it has passed.
39.
by patryn20 9y ago
Please understand what "out of pocket maximum" actually means. It only applies to "covered" procedures. If that experimental surgery isn't covered your OOP maximum doesn't apply. Also please understand that ins
40.
by patryn20 9y ago
In a "market" in which costs are unpredictable and not disclosed until AFTER care is complete, there is not truly competition. Try asking a cardiologist or neurologist for a fixed price estimate before a test is run. If you press
41.
by patryn20 9y ago
British commonwealth countries seem to have health assessment/medical history checks. Germany requires immigrants to have private health insurance until they are granted permanent residence/citizenship. That insurance can have res
42.
by patryn20 9y ago
I think many people also get unintentionally screwed by the insurance pricing model that demands to only pay at most 25% (an oversimplification) of the stated cost and doesn't allow discounts to insured individuals. For instance: a hos
43.
by patryn20 9y ago
Strangely enough my primary income is writing software for the healthcare industry. A significant portion of my firm's income goes to insurance and lawyers to ensure compliance/protection in the event of a lawsuit.
44.
by patryn20 9y ago
What I really want to get across is that young entrepreneurs need to plan for aging/medical emergencies. The reality of where you live and the potential for unexpected medical expenses can devastatingly impact your life and business if
45.
by patryn20 9y ago
Thank you for the insight. I hadn't honestly considered Asian countries; which is silly since I have friends living in several.
46.
by patryn20 9y ago
In my case hindsight is 20/20. If you don't mind me asking what country did you expatriate to? I've found that several countries I would want to relocate to do not allow permanent residency for people with existing medical co
47.
by patryn20 9y ago
Also understand the tax and benefits implications of various corporate structures. Being a C-corp vs S-corp in the US can have major tax implications in the event of a major healthcare expense or even routine premium payments. Talk to an ac
48.
by patryn20 9y ago
Out of pocket only refers to covered billing codes (originally said expenses). And that varies state to state by insurer. But in the case of blue cross blue shield Texas the SPEC test was "covered" but the injectible radioisotope
49.
by patryn20 9y ago
This comment sharing more of my life than I'm strictly comfortable with and coming off as patronizingly preachy is my highest point earner. Go figure.
50.
by patryn20 9y ago
I've done my own thing since high school with the exception of two years in offices (one as W2 and one as part time 1099). I'm now 35 and experiencing health issues and discovering that unless you earn "f$&! you money&quo
51.
by patryn20 9y ago
After canceling my pre-order in November I had hoped I was wrong about their future. However it seems that chasing more and more features (massive scope creep since the initial product) while being behind the curve on basics such as chip an
52.
by patryn20 10y ago
That's interesting. I've toured several WeWork locations and never pulled the trigger on signing up and couldn't figure out why. They're beautiful, well designed, and reasonably priced in great locations. Something just
53.
by patryn20 10y ago
Actually I have been looking to buy one for extra on the road capacity. Really I'm just trying to decide what my work machine(s) will be moving forward. I think I'm going to limp by with my current MBPro and Dell Precision combo u
54.
by patryn20 10y ago
When I run Windows in Parallels it DESTROYS battery life. I'm lucky to get 2 to 2 1/2 hours on my current MBP if I have my full toolchain and Windows running.
55.
by patryn20 10y ago
I'm often highly mobile with unreliable connectivity (think back country Alaska/Washington/Missouri/etc). Remoting is not a reliable option while traveling. Now when I'm working from home, I have other workstations
56.
by patryn20 10y ago
That's actual life. I never manage more than five hours while working on my current 2014 MBP 15". The loss of additional time under load on the 2016 was a deal killer for me.
57.
by patryn20 10y ago
To be honest no, I didn't. But I also don't generally change my screen brightness. So I'm not sure I ever even checked what it was at on the 2016.
58.
by patryn20 10y ago
My particular crime? Heavy VM use with multiple concurrent OSes and server processes.
59.
by patryn20 10y ago
Based on my (admittedly unusual) workloads, the effective charge time of the 2016 is awful. I already only get 4-5 hours out of a 2014 MBP. I bought a 2016 and only managed 3 1/2 hours. Maybe they've improved that with some softwa
60.
by patryn20 10y ago
Focused, neighborhood context-sensitive and environmentally conscious real estate development. The goal would be to replace the typical boring stick-built midrise, minimal setback, blank sided commercial and residential you see being built

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