Webster

Image search makes it seem like this is a weevil. I have no knowledge of bugs to be clear, but looks pretty close.

Red line appears to be total by specific percentage (maybe smoothed?)

Are you me? Currently at the director level debating a switch back to dev. Prior director in my role did the same. I actually love my boss and when I'm empowered to run my org, the work is great. But too much of my job is trying to insulate my teams from the BS and it's burning me out. But I'm not sure I'd want to give up being able to fight the BS and would eventually get frustrated by it again as a dev.

So here I am, riding it out. I know at some point politics will get me and my style of insulating my engineers will cost me my job, even though by doing so we have great productivity metrics. And being real - I think the hardest part is that by shielding my teams from the BS, I become the face for the shit that does get through so the people I fight so hard to protect often blame me for their very real complaints.

I'm not sure what's next for me, but I save everything I can because I assume that the change might not be my choice.

Totally get this response, but even in the large ramble I gave above it's hard to share all the details. I do have a job and that pays for all my living expenses including my portion of the mortgage. I have a seperate bank account for any money that I've ever gotten in rent, and that money only is ever used for property maintenance, improvements, and paying the mortgage. That account is still at the same amount I put in there when I opened it when I bought the house - not a dollar in rent has been spent on myself. I have not paid myself a dime for the hundreds if not thousands of hours of property maintenance work I've done over the years.

I've discussed with all my renters if they'd be interested in buying the home, but none are. None are at a stage in life where they are committed to living long term in the area.

Only recently have I moved out - I needed a larger place now that I'm married and have a kid. Since none of the renters are interested in buying, if I wanted to sell, the buyers would almost certainly be larger landlords or corporations and I'm not looking to sell to them. So I'm caught in a catch-22 of not loving the system, but playing the game is a net positive specifically for my renters who I have a great relationship with.

Totally get how you thought I was using price speculation as justification for landlords, but I was actually trying to make the opposite point. I bought this house because I wanted to own my own home, and I couldn't afford a single family home, but could half a duplex that was in such a state of disrepair when I bought it that it took me calling 12 insurance companies before one would underwrite it. It's now one of the nicer houses on the block. The point I'm trying to make is this was a terrible financial decision - I probably earned under minimum wage for the time I put into property maintance and would have earned more on the money in other investments. It's one of the only homes I could afford on the working class salary I was earning (granted, ~10 years ago).

The eminent domain strategy is an interesting one, but one that has a lot of flaws. For example, under the plan you listed I wouldn't get enough money back to pay off my mortgage with the bank - expanded economy wide, that would lead to mass lay offs across the banking sector. I could see how you might like that long term (less people working in banking), but we'd need to account for it in the short term or it would spiral the country into a recession like 2008. The house I own in is in an area not many people want to live long term and prefer renting - it's mainly graduate students and young professionals planning on moving in a few years. And how do you deal with the politics of it - the vast majority of the country, right or wrong, would never support a plan like that. And when I talk about affording it, I'm not just talking about the upfront costs. Most of my renters over the years putting down the first months payment takes some saving. I've been pricing out a new furnance and AC, and it'll run me over $8k. They couldn't afford that one time cost to keep the house maintained. These are just a couple points that could all be addressed, but mainly sharing because there are dozens more that would also need addressing and to point out that there is no simple solution to this problem.

First house I bought was a duplex because it let me afford the mortgage. I bought a 110 year old home in disrepair and spent years of hundreds of hours and tons of my money slowly fixing up the place. I proactively do maintainence, I charge slightly below market rents, and my renters know me on a first name basis and call me for random things unrelated to the house and I'm happy to help. I respond within hours of any request, even if just to let them know when I'm off work to come fix whatever is going on.

Half the homes on my street are now owned by a single person who is trying to buy me out. He's okay, but the homes aren't super well maintained and he does his best to juice profits by cutting a few corners. He probably owns a few dozen homes. He's driving up rents through a mini local monopoly in a niche in demand area.

I compared my return on my investment to what I would have gotten if I just put the money in stocks, and the main reason it looks okay is only because the value of the houses have been driven up by these corporate investments.

I empathize so much with the frustrations with landlords here (and damn do I hate the term), but I don't see a real bridge to dealing with the problem that doesn't squeeze out people like me trying to do it right by the renters and force these properties into the hands of the corporations. Not a single person who has lived in my duplex since I bought it can afford to buy me out for what I've got in it, let alone what I could get on the open market. They've all enjoyed living there and the updates I've made, and most of them were in town for only a few years before moving (graduate students/young professionals).

Mostly just a vent. I get why people like me get demonized on here, but it's pushing out those of us trying to do it better than the rest. I've debated selling for awhile, but the next person won't be as good to the community in all likelihood. And none of the renters have been interested.

Intention vs Impact. I recognize that it might not be my intention and it might be fully outside my control, but I was being an ass. Being called out when I do it is good and important, because it helps me figure out next steps - how do I recover from what I missed, how do I make them feel heard, do I have the type of relationship with this person to share my ND?

Part of accepting myself as ND is being able to be called an asshole, accept I was being an asshole, but understanding that it doesn't make me a bad person and I shouldn't feel bad about it since it was outside my control but use it as a chance to figure out the best next steps.

Claim is also a later step in the process. The first step is prior authorization. So they could deny the prior auth that leads to work not being done which leads to no claim to count as a denial. Or a patient doesn't submit the claim because it had a denied prior auth, so again no denied claim. 90% on claims is a terrible percentage.

God I love Lords of the Realm 2. I bought it on GoG and go back and play that every few years for a spell. Rarely see others mention in and it was one of my favorite games of that era.

Wife and I solved this by rule of 3. She gets to decide if she's suggesting options or making a choice. Whoever is suggesting options gives 3 choices. They must be something the other potentially likes. The other then either chooses one of the three or has to suggest 3 choices of their own. We rarely have to go past the original 3 options any more.

Yes! And beyond being customized for what the baby needs at that given time, also includes immune stuff to help the baby fight whatever sickness the mom might be fighting at the time. So even for us, there's a downside to not using fresh breastmilk. However, the understanding that is even with those differences, all the extra stuff breast milk is packed with make it better for babies even if not tailored for what that specific baby needs at that time.

The other important call out - formula is fine. Many moms feel pressured on breastfeeding because of the benefits, but there are tons of reasons outside moms control that breastfeeding might not work. Or even just so much challenge with doing it (like having to wake up in the middle of the night every night to pump). It's perfectly okay to not breastfeed and use formula, and lots of moms feel undue pressure and stigma which is unfair if the don't/can't.

Dave the Diver. I had put down gaming because of tiredness and this game was such an unexpected joy of exploration and cute story for me. Easy to pick up and do a quick dive, decent progression based on a mix of skill and leveling up your character, and the writing was excellent. First game I 100% in forever and it was while playing it 30 minutes at a time.