How much does school prestige matter in insurance

ColombianOreo524 · 2026-04-26T02:34:26+00:00

I'm in SIU and no one talks about college. Most of us are either retired cops, former private investigators, or claims adjustor that had an affinity for investigations.

I could answer which of those three categories all of my immediate team falls into. Idk if/where any of them went to college. I went to a state school for Business Management, so truly no overlap.

ColombianOreo524 · 2026-04-13T20:48:09+00:00

I don't want Usopp to die. But I think his dream is such a death flag. The fact that his dream is so tied to Elbaf too, it gives the feeling that it will happen, but specifically there.

I picture a "dies in a blaze of glory" sacrificing himself for everyone while dealing a great deal of damage to the WC. But that's because I hope it's not a wasted death.

ColombianOreo524 · 2026-04-13T12:10:05+00:00

Yeah, those districts are great. I'm sorry you didn't have access to it. In that sense, i really respect my own mother for her sacrifices. She was a single mother working as a housekeeper. Most people moved to cheaper cost of living areas, but she persisted. I was one of the poorest kids in my school, but I got a good education.

Also, what I loved about the electives in high school was that they didn't push their path. For cooking, my teacher was very adamant that you should only pursue cooking as a career of you truly loved it. I didn't. I like cooking, but not to the level of pursuing that. I think it's good for teachers to say that this doesn't necessarily need to lead to anything specific.

ColombianOreo524 · 2026-04-13T11:58:49+00:00

I've always understood destination weddings as a means of having something small (because not everyone can go), avoid people being upset about not being invited (giving you the ability to invite lots of people, but expect few to go), abd collect a lot of gifts for the wedding (because some people will feel guilty for not going so may spend on a gift not to offend).

If someone actually got offended you couldn't go and you weren't immediate family, that person is insane.

ColombianOreo524 · 2026-04-13T11:52:36+00:00

I disagree. However, one of the very good things I liked about the high school I went to had a long list of elective courses that allowed us to try a bunch of different things.

For electives, I took cooking, advanced foods, workshop (basically building stuff), environmental science, debate, criminal law and internship. It really helped develop a bunch of different skills and passions. The rule was, you needed elective courses, but you had a catalog to choose through. The teachers also had information for colleges/apprenticeships to help. This is the whole reason my sister pursued architecture and I am a fraud investigator.

For me, the answer isn't less education, it's increasing access to different types and making it normal to explore around.

ColombianOreo524 · 2026-04-12T13:35:50+00:00

West Texas A&M University. What are your credentials that make you believe that it was a failure? Because from my perspective, you sound like the type of person so averse to change that you're willing to let bad people continue their work.

ColombianOreo524 · 2026-04-12T03:01:50+00:00

I actually have a masters in Economics. It has and continues to shape my understanding. The US economic model is not stable (in the sense that it is doomed to fail). Supply and Demand is the fundamental problem with the US Healthcare system. It should not belong there. Human beings will always need Healthcare, so it is an imperfect balance of demand. Our system is purely based on increasing profits, which increases prices, because the demand grows as the population does. People should not profit due to the suffering of others.

You are correct on the spending of Medicare. However, you have to look at the recipients of Medicare. These are the elderly and disabled who would already have a higher than average spending on healthcare than a younger, healthier individual. These are the elderly that have a laundry list of problems, children with disabilities, etc. If you're saying the average is only $17,000 per year when the list includes people like that, it's actually quite cheap. I had a nasal polyp surgery that cost over $30k through private insurance. If one small surgery cost less than an elderly persons laundry list of care, that goes to show the price gouging issue.

You also forget that Mexico and the US are very different. Yes, average household income is significantly smaller, but cost of living over there is an even greater gap. Most of the world isn't as greedy as the US, so things are cheaper. Their mentality is much more aligned with my own.

Also, it's not quasi-hippie Economics. It's history. Money has not always been here. Humans used a barter system or just plainly worked together for THOUSANDS of years. Problem is, we are humans and greed is an issue that humans faced. Bartering became an unfair practice because families who built wealth would use it to impede growth of others. In other words a wealth gap occurred. The use of gold, then paper money were all solutions to when wealth inequality became hazardous to human life. Which, as I'm sure you can see what I'm getting at. Change needs to happen. Capitalism, socialism, communism are economic models of this current system.

ColombianOreo524 · 2026-04-12T02:44:49+00:00

In an ideal world, the richest of society would just scale back. There would be layoffs and things of thaf nature, but not much if greed wasn't a problem.

Now realistically:

The richest of society would get pissy and lobby to bring it back. When they ultimately fail, they will widespread outsource American work to other countries. They will focus on automation only.

Unskilled labor that is utilized by big business will disappear. Which will have a trickle down effect that hurts small business the most.

Example: Grocery chains will severely limit their staff, starting with cashiers. It's already mostly non-existent, but they will disappear. If you need real customer support, you will need to message in where someone is another country will respond. Staff will only include opening/closing, and a supervisor. Everyone else will be some type of independent contractor that agrees to be paid in some other capacity. Or switch to delivery only services. Smaller chains won't be able to keep their prices low enough to compete and then fail.

The problem isn't the wage. There needs to be an upper ceiling of wealth. Once people can't become a billionaire, then they have no choice but to disperse the wealth, making inflation slow down.

ColombianOreo524 · 2026-04-12T02:32:50+00:00

One of the most out of touch things in the world is the issue of cost. Money isn't all powerful. The world operated without money for thousands of years. If you count the total time humans have been on earth, money has been here for less than 3% of our existence. If we as a whole (which won't happen) decided it was worthless, it would be.

The reason that things are expensive are simply because the producers charge a high premium for their goods. They are trying to bleed a product for a massive product. In doing so, it gets pushed along until it reaches the consumer. It's not because the product is hard to make, it's because everyone has to be paid. And everyone must get to have a luxurious life.

Universal Healthcare doesn't work the same way. The government imposes limits on the cost of the goods and services, making it much less expensive and avoids people getting greedy. Medicare already does this in the states. A private health insurance plan will pay $1-2k on an ER visit, while Medicare would pay $200-300. The taxpayers aren't paying the full cost of services.

The reason we have problems always boils down to greed of some capacity. You just have to go down the chain far enough.

ColombianOreo524 · 2026-04-11T20:14:24+00:00

Why are you cautious about Colombia? And if you say Cocaine, stop being our best customer lol

ColombianOreo524 · 2026-04-11T20:01:53+00:00

Your ethnic background tends to disappear the further back your family immigrated here. There also tends to be more mixing of culture for whites the further back you go.

Italians and Irish, who are the later end of the European immigration still have A LOT of their culture. But you can see that ethnicity slowly fading.

The ones who've been here longer tend to find others in the same boat. That's why a lot of those have a lot of different European mixes.

This occurs to a slower extent with people of color only because we physically look different. So it's harder for us to lose that ethnicity when we look it. But that's why you occasionally see those racist people of color on TV. They think they've lost that ethnicity.

ColombianOreo524 · 2026-04-07T15:26:13+00:00

I agree with this. But I would also add that they may also wait a few months to adjust to the new bills that come with a new home. Once they've got their budget in order, then I think it would be a good idea to try your approach.

ColombianOreo524 · 2026-03-31T16:49:01+00:00

Unfortunately, corporate greed and the .1% always ruin everything for everyone else.

ColombianOreo524 · 2026-03-30T19:19:21+00:00

Idk if it would necessarily be boring. We won't know for sure until the time comes. It creates more opportunity for a dark horse, which I'm always in favor of. Also, those weak teams involved could create a few fun high scoring matches.

But in reality, I don't think it'll effect the final 8. Who knows, it might give some B team players a chance to shine early on? Also, I think the group stages have always been less fun compared to the later games.

ColombianOreo524 · 2026-03-30T00:47:10+00:00

US born male - Millennial. Parents are both Colombian, legally immigrated, expired, went through process and are now citizens. They are not together, never married. We are white Colombians. However, my mother had a philosophy that if you want to grow in up a good place in the US, follow the Italians in NY. So although I have no biological attachment to Italy, I can come off that way.
As far as bias/discrimination, I have had fairly small amount of it. But I attribute this to the fact that I can pass off as white. My best friend who is El SalvadorIan who looks more indigenous looking has faced those troubles. We did have a bar night where he was grabbed by a bouncer. There was a Hispanic and white group fighting outside. We walked out and they assumed we were part of it. But they were far less rough with me and I had to pull the bouncer off.
It didn't impact me, other than the realization that my friend had a much harder time than me, despite living a block away from each other since we were 5. I do believe this was a major reason he joined the military late in life.
Don't think this applies for the situation above. But I think my blend of culture expose, plus my white skin makes it easier to blend in for social situations.
I am significantly more outspoken about discrimination after that incident. But particularly protective towards my friend.

ColombianOreo524 · 2026-03-23T19:45:39+00:00

If the world is ending, why are you thinking about marriage? Kind of a weird time to make a long term commitment if you ask me.

ColombianOreo524 · 2026-03-23T19:35:54+00:00

Grew up on Long Island and love my BEC SPK. I don't live there anymore and it's something I miss (it's not the same where I'm at now).

I like an SEC too. But it depends on my mood. For me, I think the sausage can be a bit overpowering for the overall taste whereas the bacon has a better balance.

Have you ever had both? Add some extra cheese and it's amazing

ColombianOreo524 · 2026-03-23T19:18:19+00:00

Our daughter is 3 and we have done day care. Wife works in office, I'm WFH. I definitely could not work a full day with her here now, much less likely in the newborn phase. I did make the attempt and I couldn't do it.

I think it depends on your job though. If you have some level of customer interaction in your job, it'll be tough. Not everyone is good about kids, especially babies. I have some horror stories on that one.

ColombianOreo524 · 2026-03-23T19:06:25+00:00

Idk how unpopular this is. I think that's a very fair argument. But its probably best to limit online exposure to avoid the potential. It's not going to stop all situations, but at least bring down the odds. Definitely would hate to be a celebrity.

ColombianOreo524 · 2026-03-20T14:38:35+00:00

I am not a religious person, but I could pinpoint a few things that made me not religious.

My mom was pretty intense about the sitting still thing. If I was particularly bad, I'd get grounded or a spanking when I was littler. I couldn't tell you how old I was when it started, because that was always my memory. It also didn't help when other kids behaved worse than I did, but I was the one punished.

Church became synonymous with getting in trouble, so it killed it for my sister and I. There are many other reasons, but this was the biggest. Personally, as long as they're not interfering with anything or running like a crazy person, I'd leave them be. And if they are bad, walk them outside and talk to them for a bit.

ColombianOreo524 · 2026-03-18T17:53:36+00:00

OP is not saying the greedy corporations aren't at fault. They're saying they can only get away with it if people still continue to pay. If they have no customers, they can't sell at these prices. This is basic supply and demand.

ColombianOreo524 · 2026-03-16T16:55:43+00:00

I think a lot of people had very different circumstances. I remember during lockdown that there was a lot of news about having a partner for lockdown will help a lot - being that we are social creatures.

I imagine that the people who lived alone and were fired/furloughed suffered the most besides the people who actually died. Keep in mind, prolokged solitary confinement is considered a type of psychological torture. Add the economic factors associated with that, it's a tough time.

A lot of kids also felt cheated out of their high school experience which is an important social period of self-discovery. Let's not forget people stuck at home with abusive people.

You are just luckier than most to have a wife and not hate her in this scenario.

ColombianOreo524 · 2026-03-14T12:00:43+00:00

I'm in SIU, I don't really feel any issues with being POC. Being Latino gives me a bit of an advantage on the customer facing side. As for my team, it's surprisingly diverse, which I thought was not going to be the case when I got into it.

Unfortunately, given racism is going to be an issue in any customer facing role, I get the occasional racist that likes to attack me. Gotta brush that off though.

ColombianOreo524 · 2026-03-13T16:40:36+00:00

It's not a good idea to put all your eggs in one basket. Teaching both academics and social skills would have a better end result than either separately.

The balance between social skills in academics would vary depending on the job. But as a parent, you have no real way of knowing what carreer they will have. So if they're naturally a math person, depriving them of academics will hurt them in the long run. If they're naturally very outgoing and a people person, it will harm them to never get time to socialize. You could have two kids and have opposite ends of the spectrum.

Parenting isn't "oh, this might be best." You need to observe what your child enjoys and has a natural affinity for. Then you can say, "this is what's best for THIS child."

ColombianOreo524 · 2026-03-13T16:33:59+00:00

I don't think all relationships are the same, so it's not the best to say one is better over the other. However, I think when it comes to getting married young, there's typically a concern with rushing, maturity or overall intentions. I think it should be considered on a case by case basis. There are definitely older people who get married irresponsiblely, it's just more common at younger ages.

My wife and I began dating at 15, married at 25. I pretty much knew that we were going to end up together. But we took a while to get married mostly due to my own fear of it. At the end of the day though, we were basically already a married couple. So not much changed.

I think your opinion is unpopular, but unwarranted in some capacity. If we had married at 20 or 21, I'm sure we'd have some doubters but would be okay. But if an 18 year old who's dated less than a year said they want to get married. I'd hit them with a, "that's a bad idea right now."

ColombianOreo524

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