• 0 Posts
  • 194 Comments
Joined 1 year ago
cake
Cake day: June 30th, 2023

help-circle





  • That’s how it has been in the US. Now, though, if you already have a passport, you can renew online and take the picture yourself, and get it mailed directly to you.

    The thing that makes getting a passport slightly tricky to begin with in some circumstances is needing proper ID. In the US, there’s no generalized law saying that you have to have certain forms of ID. Most people use drivers licenses as ID, but obviously not everyone has one (by choice or as a consequence of drunk driving). There are a lot of people without ID, and there are ways to get ID, but they can be difficult for people without resources. A birth certificate is hard to get if you don’t have one already, especially if you don’t know where you were born.




  • I don’t understand why people like Facebook marketplace. It’s so transparently a way for them to just gather more shopping habits data on you, and it’s too easy for scammers to use. They act like having an account somehow makes it harder to scam.

    I would much rather support the website run by a skeleton crew that has no unnecessary features than get a few bucks more on FB marketplace. If I’m selling something that I’ve used, it’s cause I want to get rid of it, anyway.



  • A huge problem with the wine industry in America is that they’ve always tried to position themselves as a premium product with respect to other forms of alcohol. With respect to the information available to the consumer, the pricing seems to be random. Products that are aged understandably are going to cost more, and huge brands should be cheaper than small brands. Other than that, prices just seem to be set to correspond to whatever market segment they are targeting. A $20 bottle of wine may taste way better than a $15 bottle, but it could also be worse. There’s no indication of what could make the $20 bottle better than the $15 bottle other than the fact that it’s more expensive. Some brands put a little bit more info in, like the percentage of grapes, and sometimes they tell you where the grapes came from, but most consumers are just going to grab the cheaper bottle.

    Contrast this with beer, where you know higher abv=more ingredients=more expensive, aged beers are more expensive, and beers from smaller or foreign breweries are more expensive. Breweries often tell you the exact ingredients that went in, so you can get a decent idea of what a beer will taste like before ordering, and you can make an informed decision to buy slightly more expensive products.

    Wine is a little more tricky because there are fewer ingredients, and less processing, but they could absolutely give way more info. The wines that are good just try to market it as the magic of terroir in a bottle, rather than actually pointing out how and why they are better or taste different.




  • You essentially gamble a little bit. Most people get insurance through work (or they are part of a family plan). Generally, you’ll have a few plans to choose from. If you are older, or have recurring issues, you might pick a plan that’s a little more expensive, but covers more costs. If you are young and healthy, you might pick a cheap plan, essentially betting that you won’t really need healthcare other than your yearly checkup and some vaccines.

    The biggest thing with healthcare in the US is that it’s very complex. Even if you have insurance that should cover something, it can be hard to find a doctor that’s part of your insurance, so people often put off going to the doctor, which is part of the reason why costs are high. Teeth and eyes have separate insurance cause they are optional, apparently.

    You basically have “premiums” that are your monthly payment. If you get your insurance through work, they cover a percentage of that; generally a pretty hefty amount of it. They usually don’t outright tell you what percentage, though, so many people think insurance is cheap, and get a rude awakening when they lose a job, and suddenly can’t afford $1000 a month when they used to be paying $100. Those premiums are taken out of your paycheck pre-tax, too, which gives you even more of a benefit if you have a job.

    Depending on the “style” of the plans, they cover things differently. They all (I think) cover “preventative care” completely, which includes your yearly checkup, vaccines, and birth control for women. After that, some plans have “co-pays”, which are set costs for a few things, like $25 for a normal doctors visit, $50 for a specialist, $100 for an emergency room visit. Some just cover a percentage of those costs, and some don’t pay anything until you hit a limit (the deductible). Finally, there’s an “out of pocket” limit. That’s most you’ll have to pay in a year, after which point the insurance covers everything.

    All together, I pay less than $1000 a year for healthcare, but if I got really sick, and needed a bunch of expensive healthcare, I would quickly hit my out of pocket maximum, which I think is like $6,000. I could cover that, but many people cannot cover an expense like that on short notice.

    The number on bills is very misleading. The hospitals know that insurance will negotiate down, so they start high, and then after the negotiations, insurance will pay some or all of the remainder. If you don’t have insurance, you typically don’t pay that whole number on the bill, either, cause the hospitals recognize that they dont have to adjust it up for the negotiation. You can still negotiate on your own, though.



  • The problem I have with that is the same problem I have with the way people talk about most colonizer-colonizee(?) relationships. In many cases, you don’t have the big bad powerful people going in and doing violence against natives. The powerful sit at home, and force their local poor into a position where they have to do violence in order to survive. Yeah, you had your Christopher Columbus types, but they weren’t/aren’t the majority.

    Odds are, those loggers are members of another local tribe, who have been economically forced into illegal logging. Logging is super dangerous, and there’s no way that the people actually responsible, who are the ones making real money off of it, are out there with chainsaws.

    Tl;dr, they need glocks and bus tickets