The Buterin fellow, in his videos, goes on and on about the disadvantaged populations beholden to old guard financial institutions. Yet his platform creation has a feature which drives up the cost of the instrument that is needed in order to even use the platform.
I'm sorry, but this makes me uneasy and skeptical. I'm a proponent and have a few big strewn about. I find my self unwilling to support Ethereum projects because of the ridiculous fees associated with pretty well all of it. Swaps are criminal. I mean, maybe from a governance token airdrop game of chance point of view the support expense may be better than break even--but a fork is a fork, and you can only fit so any in the drawer. You'll need room for spoons, knives, and utensils anyway.
If the intention of the gas mech were to fill the Ethereum Foundation prior to PoS and Zk, then I can kind of understand this...not really. Because the sector looks nothing like the tenants upon it was peddled. Nothing. It is no different whatsoever to existing governance.
Maybe I'm simply ignorant?
How is any of this crypto stuff disruptive innovation? OFAC debunked anonymity a long time ago. This mechanism for gas fees is far, far from an inclusive model and in all honesty, the gas fee mech trumps the greed of anything I've ever experienced in my 20+ years of self guided investing.
Blockchain is innovating.
Crypto could be innovating.
What is needed will be innovative governance. If Ethereum can regulate itself and strike down the old rule to be truly inclusive to all and maintain itself as a for profit entity then will disruptive innovation occur.
These gas fees are f'ing dumb af.
I recently started doing an online course in economics. Before registering I asked my friend if she wants to do it together and we can split the cost because it's a really expensive course. She refused. Now a couple weeks later, she's asking if I can share my id and password with her. I told her we can still spilt the cost and she can have it. She got mad and said that I'm being unreasonable and since I have already paid for it and she just needs a peak, it's very rude of me to ask her to pay.
From what I gather, she just wants it for free. Although I will lose absolutely nothing by sharing it with her, I don't want to support cheap freeloaders like her. I just told her sorry and we didn't talk any further. Am I being the asshole?
Starting throwaway for personal privacy reasons but wanted to contribute as I'm here a lot.
Wanted to share our tracking that we've done since we moved in earlier this year because this was a big question I had when I was figuring out budgets for home purchase but was never able to find concrete examples:
- Home closed Feb, move in May
- Got a used car September
- 2 person household
| Month | Mortgage | Home/Auto insurance | Hydro | Gas | Water | Garbage | Property Tax | Internet | Cell Phone | Total |
|---|---|---|---|---|---|---|---|---|---|---|
| Feb | 2,680 | 240 | 40 | 830 | 125 | 1,235 | ||||
| Mar | 2,680 | 120 | 31 | 230 | 29 | 34 | 830 | 125 | 4,078 | |
| Apr | 2,680 | 120 | 55 | 156 | 830 | 125 | 3,967 | |||
| May | 2,680 | 120 | 66 | 180 | 125 | 3,172 | ||||
| Jun | 2,680 | 120 | 63 | 95 | 80 | 125 | 3,162 | |||
| Jul | 2,680 | 120 | 77 | 98 | 65 | 89 | 860 | 80 | 125 | 4,194 |
| Aug | 2,680 | - | 104 | 41 | 860 | 80 | 125 | 3,889 | ||
| Sep | 2,680 | 210 | 94 | 98 | 860 | 80 | 125 | 4,174 | ||
| Oct | 2,680 | 370 | 77 | 41 | 130 | 80 | 125 | 3,503 | ||
| Nov | 2,680 | 370 | 61 | 94 | 150 | 89 | 80 | 125 | 3,650 | |
| Dec | 2,680 | 370 | 108 | 116 | 80 | 125 | 3,479 | |||
| Total | 26,800 | 2.160 | 774 | 1,152 | 244 | 212 | 5,200 | 560 | 1,375 | 38,477 |
| Average* | 2,680 | 370 | 70 | 105 | 41 | 26 | 433 | 80 | 125 | 3,814 |
Obviously this does not include regular maintenance and such but this hopefully this is a good breakdown for those looking to see what kind of ongoing expenses there are.
*Note that the average isn't all divided by 12 (as we had 0 water and hydro cost up until we moved in).
FairSide is the first crypto insurance project to use the risk model used by legacy insurance. It takes that model and decentralizes it using network staking.
This means that FairSide is more efficient than any other crypto insurance. Also, those who stake coins will never lose them even when a claim is paid, making it a much safer place to stake coins than other insurance. 🙌
Highlights:
💎 It can covers ALL coins and protocols - no other crypto insurance can do that
💎 Pay just a single membership fee to get ALL your crypto assets covered. Other projects make you get a separate policy for each asset
💎Getting in on their upcoming governance whitelist allows you to invest at the same price as venture capitalists
💎 They are backed by some big crypto players like Alameda Research and Dominance
💎 Audited by C4 and Halborn
If you couldn’t get insurance for your house, banks would not loan on them. Insurance is key for developing a financial market to maturity, and FairSide aims to give crypto, but especially DeFi, that financial maturity.
Not only will it attract major capital to DeFi, but also it will be key to letting individuals invest safely. It provides an easy way to be safe from hacks, smart contract and wallet failures, Dex hacks, SIM swaps and more. Once you set up your first wallet, your next move really should be setting up a FairSide account.
And because their network staking model makes them 10X more capital efficient than other insurance protocols, they really can attract that capital to DeFi.
Looking forward to how they will shake up the crypto world! ✨ 🌎✨
🗳Telegram: https://t.me/FairSideNetwork
👩💻 Website: https://fairside.io/
📰Recent News: https://cryptomode.com/next-gen-cover-protocol-fairside-network-raises-4-2-million-to-transform-crypto-insurance/
🐦Twitter: https://twitter.com/FairsideNetwork
Hiya fren,
Over the weekend, I looked up how one might be able to access a company's shareholder list, as legends like JasonWaterfalls96 have had a hard time doing so. If I'm not mistaken, the main drive behind this has been to get an idea of just how many shareholders there actually are out there. GameStop has been understandably silent, presumably due to their legal team having said "no": they can not be willingly seen to release information that would cause the financial meltdown of the world.
Turns out, though, that as per the SEC rules and federal securities statutes, there are two ways where a list of shareholders (or the next best thing) must be provided, as a company must still have the right to keep on doing ordinary company things, no matter the situation or angry legal snipers surrounding them.
(The following snippets have been taken from Upcounsel dot com - emphasis mine):
1st circumstance:
https://preview.redd.it/75ronv9fmb581.png?width=648&format=png&auto=webp&s=cc7b1fbc89e2c2857792290a765daff48d233988
Rule 14a-7, eh...?
First Link in the Code of Federal Regulations (spam filter got me, copy-paste and remove the "---" in the http):
ht---tps://www.ecfr.gov/current/title-17/chapter-II/part-240/section-240.14a-7
If a company holds a proxy vote , a legitimate shareholder contesting the voted topic can request the shareholder list in order to appeal to the other shareholders before the vote. There needs to be a legit reason behind this request, solely having to do with the meeting in question, and the shareholder must provide the company with his proposal in writing beforehand.
Kicker: if the company doesn't provide the requesting shareholder the actual list of shareholders, they can offer to mail it to the shareholders ... at the requester's expense.
So what?
Explain It Like I'm an Ape (ELIA)-time:
- GameStop has an upcoming meeting, holds a vote.
- Ape wants to contest a voted topic. Want to discuss things with other shareholders. How contact? How many are there?
- Ape provides GameStop with one-page proposal, asks for shareholder list.
- GameStop legal says: "DRS shareholder, ok. Good proposal, ok. Sorry, can not give list - will cause issues for us."
- GameStop also says: "SEC rules and federal securities statutes dictate: we can mail your proposal to other shareholders? Ape want? You pay cost, we do."
- Ape ask: "How much?"
- GameStop say: "1 folded A4 in a physical lette
... keep reading on reddit ➡
I'm losing my mind. Please tell me what you think is fair here.
Background: My husband and I have always been rocky, teetering on the edge of divorce. We have an almost 2 year old son and another due in December. He's military, we were living overseas until 4 months ago when I moved back to the US with our son (husband will be here in December, im living with family). I had to quit my job to move home, im 8 months pregnant so getting work now isn't realistic. Luckily, my family supports me with about $1,000 per month to cover my expenses (this is ongoing, for me and my siblings). My husband doesn't pay for any of my expenses. He helps with some purchases for our son but my family and I cover all groceries and all regular expenses.
Situation: I expected to move back in with my husband when he returned to the US. I planned to stay home with the kids for 5 months or so, during which time I would continue to cover most of my own expenses (car, gas, insurance, phone, clothes, etc), with my husband covering housing and groceries for the household (which was our arrangement the last time I didn't work). Today he tells me he expects that I will cover half of all costs (rent, utilities, groceries, etc). This would be about $3,000 per month minimum in our area.
It's not as if he can't afford rent. Rent will be the same whether or not I live with him (this is how military base housing works). So the way I see it, he's asking me to pay to live with him.
I suggested we speak to a counselor about this and work out an agreement. He declined, and said solidly that the only fair thing is that I pay 50%.
I cant pay it. I don't have that money. I refuse to go back to work before I'm ready to just to appease him (I did this with our first, started a new job when he was just 6 weeks old, it nearly broke me). I can stay with family about 1.5 hrs away from where he'll be, but that seems ridiculous. Doesn't he want to see his kids?
Am i being unreasonable for insisting on staying home for 5 months after having a baby? Is his expectation that I will cover half of all costs typical? I've never earned as much as him, and I doubt that I will in the next few years because I've had to compromise my career for his (moving and traveling frequently) and for family.
TL;DR: husband wants me to cover half of all our families costs to move back in with him. I'm 8 months pregnant and unemployed, but cover my own expenses with family help. What the hell do I do?
Head's up - the Governor signed a bill (SB 317) this spring reducing patient cost share (co-pay, co-insurance, etc.) for Behavioral Health services to $0 for tons of stuff. It goes into effect Jan 1, 2022 and remains in effect until 2027.
Here are some deets
Who This Applies To:
- Patients with group insurance from their employer*,
- Patients who bought their insurance on the retail market place ("ACA" / "Obamacare"),
- Patients who are part of the IBAC group (APS, NM Public Schools Insurance Authority, NM Retiree Health Care Authority, State of NM Risk Management Division).
*Most employers pay for insurance from a company like Pres or BCBS, but some large employers self-fund their insurance and pay the insurance companies for "Administrative Services Only" (handling claims). The Self-funded insurance plans are not required to change their cost sharing. If you aren't sure, check with your employer HR to see if they are "ASO" or "Fully-Insured."
If you have a High-Deductible Health Plan (HDHP, also called HSA or Health Savings Account Plans) This will only apply once you hit your deductible. So if you do regularly use BH services (like therapy) it may be worth the higher premiums to switch to a HMO/PPO plan if you can - run the numbers first, obviously.
What is Included:
- Professional Services,
- Outpatient Facility Services,
- Inpatient Facility Services,
- Certain Rx drugs, and
- Certain other services (like certain labs/imaging, etc. when part of BH care)
What To Do:
- If you already receive BH services, talk to your provider/staff to see if this applies to you/your services. They will be able to check your "eligibility and benefits" through various systems and they should (if the insurance companies have everything updated on 1/1/22 like they should) return the correct $0 copay, etc.
- If you have been putting off BH services due to cost, please use this as an opportunity to get the care you need! Seriously, I don't know anyone who couldn't benefit from a bit of talk therapy!
- If you receive BH services and are charged a copay/coinsurance/etc. Keep you receipts and get your Explanation of Benefits from your insurance company! Your EOB will be the most accurate record of actual costs for you/the insurance company. If you were charged erroneously, call your provider for a refund. If they won't refund you, call your insurance company. They will either make the provider refund you, or they will pay you themselves an
"Currently, in the profit-sharing system, you can not disconnect immediately from a provider. When you disconnect, no new positions will open but It requires you to wait until all the open positions where you are participating have been closed. The balance will remain locked during this time."
- How to retrieve your locked capital when the provider decides to never close a position?
- or worst case scenarios: How to retrieve your locked capital when the provider goes to prison, has a stroke or dies or otherwise isn't able to close a position anymore?
Are there any safety mechanisms in place to retrieve the capital in those cases? Couldn't find anything about what happens then.
