siren2026

5 ms·

61.
by siren2026 5mo ago
Seriously wondering who was even considering buying those. I know nobody cares about privacy anymore but this is another level. Buying a camera and mic appliance from the least trustworthy company in the world, who has proven how far they c
62.
by siren2026 5mo ago
Can I seriously ask. how does anyone go about buying a piece of Spyware from the least trusted company in the world? To me it's like buying health and fitness advices from a liquor or cigarette brand.
63.
by siren2026 5mo ago
I had to get a head MRI this year as well through insurance. They billed 2500$ that all went towards my deductible. In the past without insurance I was able to negotiate down a spine MRI from 2000$ to 500$ if I paid on the spot. Do with tha
64.
by siren2026 5mo ago
What are the weighted chances of that happening though? Do you also account for the chance that you might die everytime you take your car? Or that a meteor might hit you next time you take a walk? At some point we need to be ok with some le
65.
by siren2026 5mo ago
.... yes? https://www.levels.fyi/?tab=levels&compare=Meta%2CSpectrum%2... That is the starting package for a senior engineer at Meta. Most of them are in their mid-20s. Other FAANGs have similar pay. Anyone that started
66.
by siren2026 5mo ago
That doesn't apply to most people in the bay area (And especially at Meta).
67.
by siren2026 5mo ago
> but the overall average for unsubsidized ACA plans is about 6000/year. That gives you a bronze plan with a really high deductible and out of pocket. Basically you will be paying the inflated insurance prices and mostly not reach t
68.
by siren2026 5mo ago
>> Groceries cost anywhere between 25% and 100% more depending on the item (200% more if you shop at Safeway). Gas costs ~50% more. Electric is 200% more unless you live in Santa Clara, in which case it's roughly normal. Water co
69.
by siren2026 5mo ago
A lot of people wouldn't know what to do without a job. Always going for more $$ is a way to save yourself from having to discover what you really want to do with your life.
70.
by siren2026 5mo ago
how much have you been saving so far? I talk to a lot of people that saved 10M$ and still feel this is not even close to enough.
71.
by siren2026 5mo ago
You could live anywhere. Just need to budget for it. Obviously living in Williamsburg is going to be a different than living in Houston.
72.
by siren2026 5mo ago
People want to make 500k$/year without the inconvenience of having a job.
73.
by siren2026 5mo ago
It really depends. I went without insurance for a couple years. I was able to bring every single price with the provider directly. As soon as I told them I wanted to pay cash in advance they had discount and other incentives. In the end I p
74.
by siren2026 5mo ago
Most people at Meta (or other FAANGs) are caught up in the game. I have witnessed this first hand in the bay area. They forgot what the end-goal is. They are just on the hamster wheel waiting for the next vest or next promo so they can brag
75.
by siren2026 5mo ago
One of my good friend "Metamate" argument is that "if he doesn't do it, another engineer will do it. Might as well take the money". But at least they all seem to acknowledge it is a terrible company and they know th
76.
by siren2026 5mo ago
But if you work in tech your rent barely makes a difference? If you are a senior engineer and make 350k$/year (Meta is more like 500k$/year) and you pay 5000$/month for rent and could potentially pay 2500$/month instead
77.
by siren2026 5mo ago
I have had that discussion multiple times with people. They all seem to think you absolutely need to live in a 5 bedroom 5m$ house in Palo Alto (because how else are you going to live?). But if you rent a normal 2BR for 4000$ in the Bay are
78.
by siren2026 5mo ago
Did you think about doing procedure abroad where they routinely cost 5% of the US cost?
79.
by siren2026 5mo ago
Why does everyone absolutely need insurance? Nowadays insurance costs upto 5000$/month with high deductibles and plenty of bureaucracy and paperwork. I have decided to not get any insurance and negociate directly with healthcare provid
80.
by siren2026 5mo ago
* Valuation of the sp500, the hyperscalers and Nvidia is (mostly) reasonable based on earnings Based on earnings that mainly include all the circular tricks to generate business with each other. How much is really left once you remove all
81.
by siren2026 5mo ago
You are talking nonsense. The reason why I liked the SP500 is especially BECAUSE they had guardrails against unprofitable speculative companies that just got added on the stock market. On average those stocks are going down on their first p
82.
by siren2026 5mo ago
I want to own the whole market AFTER the due process of price discovery. This was always understood as new stocks will have a couple quarters to prove themselves before being included. There is a ton of research that almost every IPO on ave
83.
by siren2026 5mo ago
this impromptu discussion on a completely random thread is why i love HN.
84.
by siren2026 5mo ago
Agree with you. Americans have been brainwashed in thinking they absolutely need a 3000 sqft house, 2 SUVs and pay for the absolute best private schools for kids. It's the ultimate rat race. As someone that has lived in both Europe and
85.
by siren2026 5mo ago
> How do you reconcile the apparent hypocrisy of your wealthiness? I'm not sure this is full on hypocrisy. In this case this is the game we are forced to play (late stage capitalism). Doesn't mean I need to like the game, but s
86.
by siren2026 5mo ago
I agree with this. From my experience the more isolated and cushy early kid's life are, the less capable they end up being able to manage rough situation later in life. It's counterintuitive because as parents we feel like we need
87.
by siren2026 5mo ago
All projections currently show it is better to pay rent on an apartment than buying the similar apartment. Especially in tech cities. Do the math. I agree the ideal thing to do is to probably rent a cheaper apartment to start with.
88.
by siren2026 5mo ago
why would it be especially true around expensive houses? When you own a house, you are still paying an implicit rent to live in it (the opportunity cost of the rent that someone else could pay you instead). Given that in almost all locales
89.
by siren2026 5mo ago
I have had multiple years of good times like those. But eventually it always comes to an end from my experience. Usually because the business is not doing as well eventually. I think you can get lucky and be in those good environments for l
90.
by siren2026 5mo ago
Have seen that as well. Kids is the convenient excuse to go spending. Marketers have well understood that for multiple decades. Meanwhile I would bet there is an inverse correlation between spending for the kids and kids happiness.

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