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millennial
ParticipantYou’re right, but it depends on the max odds you can put on the back line. You still have to put your frontline/pass bet which only gives you even payout.
Participant[quote=gzz]If I played roulette it would be on a wheel with only 0, no 00. I’ve seen both.[/quote]Ive only seen that in Monte Carlo. Closest odds against house outside of blackjack
ParticipantMy old employer offered a free high deductible plan and offered to contribute $2K a year in an HSA. Was the best plan I had when I was young. I was able to put the money in an investment related account every year and would put the difference between that plan and a traditional PPO into the HSA as well. The high deductible plan offered no deductible for annual checkups and I would call doctors and price shop when I had a bad cold. I remember calling doctors and asking for a price to get some antibiotics and prices ranged from $100-$450 just to check me out and write me a prescription. Did this for about 10 years in my 20s and lucky enough only needed to max out on the out of pocket one year when I needed a surgery. Now that I’m older and have a family we use my wife’s HMO but still have a lot of money in the HSA for all our medical needs going forward. Honestly if all employers could offer something similar to young people I think it could be beneficial and self insure many for a good part of their lives.
Participant[quote=spdrun]I’ve heard good things about Vera.[/quote]
I have too, but unfortunately bought the SmartHub a year or so ago. Right now have that working with Alexa for my home automation. Btw, my wife hates Alexa since it only listens to me. I keep telling her she can always just use the lights manually if she wants…she doesn’t listen. I kinda like Alexa more now, at least she listens…
Participant[quote=spdrun]
Are Amazon users antisocial? No idea.
Are they wrong to support a service that’s destroying decent jobs, destroying privacy, etc? At the very least, they don’t care about the harm their shopping habits are causing.[/quote]Probably opening Pandora’s box, but how does shopping on amazon destroy privacy, and “decent” jobs? Also what harm is this causing? Are we talking about big corp. versus local retailers like everyone was worried about 15 years ago (aka Walmart/Budweiser/McDonalds). Well we can see what happened with that now that sales and market share of all 3 have been consistently sliding. Privacy? Well like I said, privacy is a very subjective and individual thing; and should be handled as such. If you want more of it, feel free to not use internet; abstain from social media; move to the woods and live off the land.
Participant[quote=FlyerInHi]Maybe with IPv6 there an opportunity for competitors to provide non cloud solutions for home automation. They could charge a lot more. People concerned about privacy would like that.[/quote]
There are a lot of non-cloud solutions out there for home automation, just run a search and you can find them.
Participant[quote=spdrun]
Same goes for an Amazon Echo. I got a trial of an Amazon Prime account because I needed to order something specific for work. For the rest of the month, I didn’t feel moved to order anything else via Amazon, so I dumped the membership.
…[/quote]Good for you man. According to the WSJ roughly 22 million households in America feel the same way for a lot of the reasons you mention.
http://www.wsj.com/articles/not-everyone-wants-to-shop-on-amazon-1483007401
According to the demographics, these are the people that holdout.
“Those Amazon holdouts tend to be older than U.S. shoppers overall, with an average age of 57 versus 49, respectively, according to Kantar, and they tend to earn less—$45,700 in annual income, compared with $62,800 among all shoppers. They are less likely to have or live with children.”
Not sure if you fit in this, but from what you said it seems like you may. This being said, you need to understand that there are many people that do not fall within this demographic and just because they don’t, doesn’t make them antisocial nor wrong for doing so.
Participant[quote=spdrun]millennial: my smart phone is either off or in flight mode most of the time unless I’m on call or working.
There’s also a big difference between a camera that’s sitting on a shelf facing up as the phone charges and one facing the front of a TV with a clear view of the room. The latter needs an icepick through it. Or at least some black tape.[/quote]
I see, so in terms of privacy you just mean being able to literally watch you while you stroll around your living room. Well everyone has different degrees of tolerability. Just to be clear though, my point is that privacy is a pretty subjective term and the degree of seclusion associated is significantly less than it was 5 years ago and will be significantly less in another year. Personally, I don’t think it’s a good thing, but it is what it is and we just need to accept it and move on.
[quote=spdrun]I wasn’t speaking to interaction as much as non-interaction. Interaction through online forums can be great. The problem is people who use delivery of everything to AVOID interaction.[/quote] Well like anything there are always positives and negatives. My point is that “real interaction” happens everywhere; online and otherwise. In terms of using the internet to AVOID interaction (introverts/antisocial people/hermits), well you can see it as a negative, or a positive. I would say the majority (>80%) of people buy stuff online cause it’s convenient, including me. I hate going to the malls to price compare and have to deal with coupons and biannual sales and lines and parking; it really is a big pain in the ass. I agree that there may be some people that do it to avoid interaction (such as the alcoholic horder), but I think those people would be the same way regardless. What I’m trying to say is that I don’t think that technology creates those people. At the very least, it avoids having the alcoholic from having to drive to get his booze, or me having to deal with him.
Participant[quote=spdrun]
millennial: why be a recluse? Just hammer a large icepick into the camera and mic of the TV and continue as before. BTW, if anything, such tech is likely to turn us into recluses, since it will reduce the perceived need for human interaction. Almost everyone will be a recluse — the people who avoid that sort of shit will be the ones with the most real social interaction.[/quote]
You are naïve if you believe that putting an ice pick in your camera will stop it. If you have internet, a smart phone…shit if your neighbor has internet or a smartphone you can be traced. Anything that you post online can be traced to you. Anything that you click on people can sell you.ha ha… putting a pick in a TV. You will need to do a lot more than that buddy.
Your thoughts on human interaction is pretty asinine also. There are so many ways to socially interact now. You have the old fashioned ways like going to the bar/church/school, or you can also rant on a blog at any time and have people from around the world discuss things with you. If anything, it gives those introverts and OCD people a way to interact. It also allows extroverts a way to find more people to meet up with. To label people that use technology to interact as not “real” is pretty ignorant on your part.
ParticipantThere’s a lot of talk about privacy vs. technology and I found everyone has different thoughts about it. My belief is whether you choose to or not, in the very near future (if not already) personal privacy will be a thing of the past to make way for convenience and productivity for the masses. Almost every item on the market has a cloud/smart/internet connected component which can be hacked into.
http://www.infowars.com/samsung-tvs-can-be-hacked-to-spy-on-viewers/
So either you get over it and say “whomever wants to watch me eat breakfast in my drawers in the morning are more than welcome to”, or you can do the opposite and become a recluse.
ParticipantMaybe they are all different but the free one I get from my card company monthly goes up to 850. Personally I like to keep mine around 800. Once it starts to go up too much I start applying for some cards that will give me free money or air miles. I’ve done well doing this in the past.
Participant[quote=harvey]Since your score is higher than the maximum possible, I’d say you’re still in good shape.[/quote]
Good point, I think it only goes to 850. BTW, I honestly wouldn’t care about a slight reduction in FICO since I don’t think it affects you unless you get below a 790.ParticipantI figured as much regarding individual items. I’ll remember that next time I decide to pull all my money out and hide out in France. Wonder if Walmart is considered a grocery store. I can get most things there and get a higher % in cash back bonus
ParticipantHonestly I do the same thing too…just in case. Credit is one of those things that you don’t need until you actually need it. It’s nice to have just in case something happens. Again, similar to HELOCs back during the crisis. It’s likely that the banks will start freezing once they realize housing values start dropping
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