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Such a scam. Healthcare.gov shows me cheaper individual plans available for 2027 from ambetter that ambetter doesn't show on their website. Looked it up. I've spent $68,000 in premiums the last 5 years and got nothing out of it except a few doctors visits and labs.

osu1991 said:

I've spent $68,000 in premiums the last 5 years

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That's why I cancelled ours and just started saving the money. We're about to do the same thing with our home insurance.....not cancel it outright but do away with the portion which covers wind damage. We're paying over $5k right now and that is AFTER I dumbed things down...and it keeps going up. Got a couple trees I want to have taken down first before I do that however. After we do that, it will knock about $3k off our annual premium.

dishstaller said:

That's why I cancelled ours and just started saving the money. We're about to do the same thing with our home insurance.....not cancel it outright but do away with the portion which covers wind damage. We're paying over $5k right now and that is AFTER I dumbed things down...and it keeps going up. Got a couple trees I want to have taken down first before I do that however. After we do that, it will knock about $3k off our annual premium.

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Our home and auto insurance has been stable so I'll continue with it but I'm going to have see what I can do about medical insurance. The biggest impact would be an ER visit.

My wife and I use the same Medicare Advantage plan from United Healthcare. (Yes I have heard the horror stories about Medicare Advantage plans but we have used it for the last 5 years). We are both pretty healthy so it works for us. It costs $0.00 per month for both of us and it pays part of our Medicare part B premium. Next year it will be paying $170 per month of the $220 monthly part B premium for both of us. We also each get $90 per quarter to use on OTC products. $0.00 copay for Dr. visits and $55 copay for specialists. Includes dental and hearing coverage. Never have had an issue with it although I don't really use mine other than for the dental, Part B payments and the OTC benefit as I am a veteran and use the VA for all of my medical needs. I just had a kidney that had a cancer mass removed last month and they allowed me to use a non VA surgeon at a non VA hospital through the VA Community Care program. For all of the doctors visits, exams, tests, surgery, hospital stay, meds etc…was around $60,000 and the the VA paid for it entirely. I did have to pay $16 for the Oxycodone pain pills when I left the hospital that I got from my local CVS instead of waiting for a week for the VA to ship them to me from the VA pharmacy.

They're pushing our high deductible plan pretty hard at work, including a couple thousand to seed a HSA. Covering my wife and 4 kids though that feels like a mistake and I'd rather the peace of mind and the potential higher cost via the PPO plan payroll deductions.

b4pjoe said:

$0.00 copay for Dr. visits

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And THAT is one of the big issues causing a lot of the problems. If the minimum copay for Dr. visits was at least $100 then a LOT of folks would opt out of those visits. If it cost the individual nothing then why should they care. All of my older family members are constantly going to doctor visits.....to them it is an adventure.....an outing that allows them a reason to go out to eat at a restaurant. IF they had to pay one cent out of their own pockets a lot of that crap would stop asap.

Sorry...rant off.

dishstaller said:

And THAT is one of the big issues causing a lot of the problems. If the minimum copay for Dr. visits was at least $100 then a LOT of folks would opt out of those visits. If it cost the individual nothing then why should they care. All of my older family members are constantly going to doctor visits.....to them it is an adventure.....an outing that allows them a reason to go out to eat at a restaurant. IF they had to pay one cent out of their own pockets a lot of that crap would stop asap.

Sorry...rant off.

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You're not wrong that some people treat free visits like a social outing. But it has to be a balance. Put a $100 barrier on a doctor visit and people don't just skip the pointless ones, they skip the important ones too. Then the stuff that would've been a cheap catch at a checkup shows up later in the ER, sicker and way more expensive. The shift we need is from sick care to actual healthcare.

Heartbeat City - The Cars

You Belong To The City - Glenn Frey

long_time_Dish said:

You Belong To The City - Glenn Frey

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Fool for The City - Foghat

Hot Child In The City - Nick Gilder

In The Wee Small Hours of the Morning - Carly Simon

I hear complaints from customers each and every day. I chose not to install OTAs with a doggle for a reason.

BTW, I like your user name


View: https://www.youtube.com/shorts/MXNU6pQFkok

Why not do a CTO directly through the manufacture? Get exactly what you want. Plus It's quite common to find 10%% (or higher) discount codes for Dell and HP.

Backlit keyboards are pretty much standard, and in the constant effort to try to make devices and thin and dainty as possible ethernet ports are becoming rarer, if not a normal ethernet port, you may be able to find a laptop with drop-jaw style one.

Dell and HP are usually heavily discounted during Black Friday sales. I picked up a Dell from Best Buy for 50 percent off. I ordered it online and picked it up locally at the store. Black Friday deals are just a couple of weeks away.

This meets your 15" touchscreen requirement and budget when marked down.

Can't really help with an exact set of suggestions. I can say that if you have a set budget. And $600 these days wont get you much. One thing I can say is check out Dell Refurbished.
I've suggested and even configured, ordered a few for friends who were a bit iffy in deciding what they needed and wanted.
Refurbished doesn't mean that they came back defective and were repaired. Companies and organizations who order quantities of the same computers often cancel or modify their requirements.
Dell builds usually on demand. Their direct refurbished line will be brand new, unused. Perhaps not exactly the "today" specifications of the latest-greatest. And you can get a nice pc for quite a bit less with full warranty.
Just a suggestion.
"I use the laptop to mainly surf the web and keep up with my finances, money and bills. I would like to have at least a 15" screen and having a touchscreen is a plus".

As far as Asus, HP goes. And others you may consider. I'd think $600 (new) would get you a laptop. A quality, long lasting one? Not so sure. Now. If you could get a $1000 lappy for $600. Good deal, don't you think?
Surf the web doesn't need a killer Nvidia graphics chip. Nor a pinnacle, top of the line Intel, AMD processor.
12-16 gigs of memory will get you by just fine.
I'm personally an Asus fan. Brands aside. The one thing is the batteries. We discussed that here someplace else.
I repair these critters. Batteries. Cheap laptops have cheap batteries. Asus suggests that you don't keep the charger plugged in all of the time to make them last. Like you see on phones where 85% vs full charge is suggested to preserve battery life.

EarDemon said:

Why not do a CTO directly through the manufacture?

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Because there are fewer economies of scale with custom products. Savings come from giant contracts with major retailers.

RAM and GPUs make buying a computer now financial suicide. In 2023, I bought two 16GB RAM modules for my lone Windows machine. The cost was under $100. Now that equivalent RAM goes for $260.

One can opt for an on-CPU GPU, but you can't opt out of RAM. While Microsoft goes on and on about Windows 11 eventually being happy with 8GB of RAM, we know how that always ends.

GB is the new MB (remember when Windows used to be happy with 8 MB of RAM?)

I had great experiences with Dell's Refurbished systems in the past. I ended up getting Business desktops instead of the Home PCs since they didn't come loaded with bloatware and the one Desktop I got for Mrs. Foxbat even had a license for MS Office Professional included.

Gone are the days when Apple "perfects" what debuted years earlier on an Android phone.

harshness said:

Gone are the days when Apple "perfects" what debuted years earlier on an Android phone.

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Or better yet, innovate something "completely revolutionary!"

View: https://www.youtube.com/watch?v=J6x_VHuZW2k

comfortably_numb said:

Or better yet, innovate something "completely revolutionary!"

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when was the last time they innovated something

slow_poke_pete said:

when was the last time they innovated something

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I'd probably say when they came up with their M-series of processors with integrated memory. That allowed Apple to get away from the inefficient Intel CPUs that were limiting their notebook computers.

View: https://www.youtube.com/watch?v=iqxPfHDwjm8

..I hate playing in Ames.

osu1991 said:

..I hate playing in Ames.

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I hate playing in LA ...
Buckeyes had 2 weeks off and came out and looked absolutely terrible ... broke in a new Freshman Qb, but that wasn't the worst part ... undiscipline play, at last count they had 10 penalties.
Freshman in the end of the game trying to play catch up, had a lot of Over throws ... Bucks lose ...

#1 Miami struggled but pulled away in the end beating North Carolina by 3 ...

Tuesday the CFP brings out thier Playoff Top 12 again ... Buckeyes should drop from #2 to about #22 (they won't) had they had thier Starting QB, it would have been a different game ...

They could lose the rest of thier games at this point.

osu1991 said:

..I hate playing in Ames.

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My in-Laws came from Iowa, she was a graduate of ISU. Unranked Iowa teams beat the #24 and #25 teams on Halloween.

And I heard that your QB made a poor choice after scoring the tying touchdown, leading to a fifteen yard penalty on the ensuing kickoff. The Cyclones were then able to take advantage of the resulting field position to get close enough to score the winning field goal.

In a NCAA Football season of bizarre endings, this has to rank right up there.

Foxbat said:

My in-Laws came from Iowa, she was a graduate of ISU. Unranked Iowa teams beat the #24 and #25 teams on Halloween.

And I heard that your QB made a poor choice after scoring the tying touchdown, leading to a fifteen yard penalty on the ensuing kickoff. The Cyclones were then able to take advantage of the resulting field position to get close enough to score the winning field goal.

In a NCAA Football season of bizarre endings, this has to rank right up there.

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Yep, but wasn't the QB. Was WR. Offense had a great game but defense didn't show up at all. I don't think they were even in the State.

View: https://x.com/CSOonX/status/2117053113781698800?a=-y87e7mFcfr7a6ptnjc&s=20

That kind of crap annoys me to no end.
That is one reason I haven't switched to h3and the same wireless joey 4
Hope you get it resolved.

Correct me if I'm wrong but Dish borrowed lots of money to start a wireless company that was most likely doomed from the beginning. They bought spectrum at any cost to acquire enough bandwidth to achieve their goal. They signed leases and bought equipment and borrowed more money. They held onto the spectrum as long as possible. They then sold most of it to different companies and made a lot of money. Then they started to screw the companies that were installing and leasing the equipment and cell towers. Now they are going to claim bankruptcy under the Dish Network part of Echo Star while they have billions of dollars. So Dish basically took everyone's money that was involved in the financial part of this transaction made a huge profit is screwing everyone over from the banks to the little guy working on the towers and infrastructure.

"
They note that the Dish Wireless radios at issue support the 2GHz and 800MHz spectrum SpaceX is acquiring from EchoStar and Grain.

"Buying compatible equipment already installed on towers could give SpaceX a head start on its wireless terrestrial network build and throw a big bucket of cold water on Verizon's four-to-six-year timeline and $300-$500 billion estimate for SpaceX's buildout," said the analysts."

ewindowman said:

Correct me if I'm wrong but Dish borrowed lots of money to start a wireless company that was most likely doomed from the beginning. They bought spectrum at any cost to acquire enough bandwidth to achieve their goal. They signed leases and bought equipment and borrowed more money. They held onto the spectrum as long as possible. They then sold most of it to different companies and made a lot of money. Then they started to screw the companies that were installing and leasing the equipment and cell towers. Now they are going to claim bankruptcy under the Dish Network part of Echo Star while they have billions of dollars. So Dish basically took everyone's money that was involved in the financial part of this transaction made a huge profit is screwing everyone over from the banks to the little guy working on the towers and infrastructure.

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i heard charlie went to dubai begging for money. but he didn't get none... that should have raised red flags.

nelson61 said:

"
They note that the Dish Wireless radios at issue support the 2GHz and 800MHz spectrum SpaceX is acquiring from EchoStar and Grain.

"Buying compatible equipment already installed on towers could give SpaceX a head start on its wireless terrestrial network build and throw a big bucket of cold water on Verizon's four-to-six-year timeline and $300-$500 billion estimate for SpaceX's buildout," said the analysts."

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Back when Dish was installing antennas everywhere for their internet service I mapped several of the tower locations around me. One is less than a mile away from me and several more about three miles away in several different directions. If SpaceX does something with these I may be in a prime spot.

Where would you spend 6.3 billion in crypto without anyone noticing?..In today's digital world most countries are watching purchases over 10k

Juan said:

Where would you spend 6.3 billion in crypto without anyone noticing?

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They say it was North Korea so they'll probably just use it to buy things they need....oil, food, etc from nations and entities who don't care where the money comes from and since it is BTC...it can be spent anywhere with no blowback.

dishstaller said:

They say it was North Korea so they'll probably just use it to buy things they need....oil, food, etc from nations and entities who don't care where the money comes from and since it is BTC...it can be spent anywhere with no blowback.

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North Korea can't pay for oil with BTC. The money has to be laundered and cashed out first. Analytics firms can trace it on the public blockchain, and exchanges (including Binance) have frozen money traced back to prior hacks when it showed up. Much of it may still gets through eventually. It's just slow and lossy, not "spend anywhere."

Juan said:

Someone using AI would be able to see the purchase...plus if you were to buy a couple billion barrels of oil or any other commodity..someone would notice..or if you bought your own country

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It can be traced, the rest of this is pretty much your usual nonsense though.

telstar_1 said:

How does it have such billions simply "on hand" to replace stolen billions?

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Binance has had an insurance fund since 2018, funded by 10% of trading fees. It's around $1.2B, and Binance says it'll cover the rest from company money. As the world's largest exchange, it makes a lot in fees. On top of that, the ~$3B in frozen stablecoins can be reissued by Tether/Circle, so the actual hole is smaller than the headline.

harshness said:

You "print" it, of course. That's part of the magic of cryptocurrency.

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Nobody can print bitcoin, Binance included. Supply is fixed by the protocol. The only thing in this story that can be frozen and reissued is stablecoins, because they have a company behind them.

dishstaller said:

They say it was North Korea so they'll probably just use it to buy things they need....oil, food, etc from nations and entities who don't care where the money comes from and since it is BTC...it can be spent anywhere with no blowback.

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HA! That short/fat Dictator will buy more arms. He does not care about the people.

meStevo said:

North Korea can't pay for oil with BTC. The money has to be laundered and cashed out first. Analytics firms can trace it on the public blockchain, and exchanges (including Binance) have frozen money traced back to prior hacks when it showed up. Much of it may still gets through eventually. It's just slow and lossy, not "spend anywhere."

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Yeah, I read the same thing in multiple articles. However, when some type of hack takes place and a company's computer system is hit with ransomware, the culprits always demand BTC and those stories always say they want BTC because it is untraceable so the hackers are therefore never caught. It is contradictory crap like this that causes people not to believe any "official" statements when something like this takes place.

dishstaller said:

Yeah, I read the same thing in multiple articles. However, when some type of hack takes place and a company's computer system is hit with ransomware, the culprits always demand BTC and those stories always say they want BTC because it is untraceable so the hackers are therefore never caught. It is contradictory crap like this that causes people not to believe any "official" statements when something like this takes place.

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Bitcoin is pseudonymous, not anonymous; every transaction is public forever. Ransomware gangs ask for BTC mostly because it's easy for a victim to buy and can't be reversed, not because it can't be followed. The privacy-focused ones demand Monero instead.

The reason hackers often aren't caught is where they are, not the coin. If the wallet traces back to a group in Russia or North Korea, everyone can see the money and still can't arrest anyone. Traceable and catchable are two different things, and the media mashes them together.

meStevo said:

The reason hackers often aren't caught is where they are, not the coin. If the wallet traces back to a group in Russia or North Korea, everyone can see the money and still can't arrest anyone. Traceable and catchable are two different things, and the media mashes them together.

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Then doesn't that mean that NK can spend the BTC as it wants to or is there a way to flag the BTC, kinda like blacklisting an IMEI when it comes to cell phones.

Operations returning to normal today as withdrawals are opening back up for Binance users.

dishstaller said:

Then doesn't that mean that NK can spend the BTC as it wants to or is there a way to flag the BTC, kinda like blacklisting an IMEI when it comes to cell phones.

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Pretty good analogy actually. Bitcoin itself can't blacklist a coin since nobody runs the network. But the exchanges and cash-out points can, and do. Treasury publishes sanctioned wallet addresses (North Korea's included), and exchanges run every deposit through tracing tools. Coins traced back to a flagged wallet get refused or frozen.

So it's like a blacklisted phone: it still powers on, but no carrier will activate it. And just like those phones, the coins get shipped off to someone who doesn't check, in this case shady brokers who'll swap it for cash at a steep discount. NK can't walk up and buy oil with BTC, but after enough laundering, most of it does eventually turn into usable money.

Extending the analogy, if Bitcoin is an IMEI blacklist then stablecoins are like Apple's Activation Lock. The issuer controls it at the source, so once it's locked it's a brick everywhere. That's why the stablecoins in this hack got frozen within hours and the bitcoin didn't.