Interests: News, Finance, Computer, Science, Tech, and Living

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Joined 3 years ago
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Cake day: June 13th, 2023

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  • If nothing else, it is demotivating. Even putting information up on websites. Why bother if I’m just going to primarily feed AI. I’m not sure we know what a sustainable model for AI really is. You cannot have just AI feeding AI, what could go wrong with that. You cannot really motivate real people to actually write stuff if there is no reward at all – not even a reader or user connection – and then there are the financial reward issues if someone is going to do that full time and is not already FI. I notice even online forums are dying, Reddit seems a shadow of what it was and I sometimes wonder if we are just talking to AI agents.










  • I agree with that. I also have concerns about the whole electoral process. The work around for popular vote would require us to know what the popular vote is. How does a state even know that in a “certified” way, and if it it really close, there is no way to do a nation wide recount. There are a lot of practical issues with implementing nation wide popular vote. So I have reservations about this.

    The other issue of course is the whole gerrymandering thing. The need to really have elections demand a 50% vote either by IRV or a separate run-off election to eliminate spoiler effects. There are tons of issues overall with our electoral system. One big issue is we have a system that empowers 2 parties and makes it difficult for those parties to have any meaningful competition at all.









  • I wonder if this includes the age dependent increase or do you have to add another 4% of this as you get 1 year older. I know last year at age 64 my cost was about the same as Medicare + medigap (plan G like) + drug plan + max IRMAA at age 65.

    Edit: OK a summary of my costs roughly. ACA costs for 2027 at 64 would be $12645.60, my out of pocket would be roughly $3505.76 for an annual medical cost of $16151.38. This is one person age 64 roughly. For medicare traditional plus medigap and drug with maximum IRMAA would be about $14602.20 + out of pocket drug costs $715.90 for a total of $15318.10. For no IRMAA (just the basic part B), the more common cost is $7150.20 plus the same drug cost of $715.90 for a total of $7866.10. The medicare cost is probably a little higher as I don’t know what the medical out of pocket would be, but for traditional medicare and very good medigap, the out of pocket for medical can be quite small.

    So rough total, ACA total medical $16151.38 (100%), medicare max IRMAA $15318.10 (95%), and minimal IRMAA 7866.10 (49%). Again, one person.