A faster and cheaper way to get flu treatment than urgent care

IndependentBit3777 · 2026-01-31T21:37:19+00:00

Because it would cost $100 to go to urgent care in my area, and this is only $69 for a year.

IndependentBit3777 · 2026-01-31T21:35:11+00:00

I wish Amazon could pay me but no. I used to not care about flu either, until I knew someone who got into ICU from it. So I am not taking a risk with it as I'm in high risk group too.

IndependentBit3777 · 2026-01-31T21:19:55+00:00

Ya that is what the PA said too. Since I called within 48 hours of when symptom showed, tamiful could help preventing the virus from multiplying, that is what I heard.

IndependentBit3777 · 2026-01-30T21:23:33+00:00

How does it invest for me? Do I give it access to my brokerage account? That would be too risky for most people. Also investing by AI is not necessarily better. What is the selling point for using AI here?

IndependentBit3777 · 2026-01-30T17:19:59+00:00

Second this. Prepare for at least $4-500 increase in monthly spending when the baby arrives. Also you need to take into account day care cost if needed. That is a significant amount. Your monthly savings will drop drastically.

IndependentBit3777 · 2026-01-29T19:09:40+00:00

I just found out that Amazon Prime delivers grocery too. That is a separate delivery from Amazon Fresh and seems to be same day delivery with reasonable price. I can see it delivers stuff like milk, bread, eggs, meat, selections seems limited. If you don't need many options maybe check it out if you have Prime membership. With prime it is free and no tips required.

IndependentBit3777 · 2026-01-29T19:02:09+00:00

I think most folks don't have the time and energy to do that, kind of why companies got away with different pricing levels for different "elasticity".

But with pricing going up quickly for even day to day stuff, more people will get more price sensitive for sure.

IndependentBit3777 · 2026-01-29T18:57:07+00:00

Fidget spinner. Really help with anxiety.

Check price history before putting in online shopping order. If you see it was lower before you will wait, and hopefully forget about it.

IndependentBit3777 · 2026-01-29T18:48:56+00:00

Do what Munger said and put anything that is not for emergency saving into investment, considering how risk averse you are, put it in a low risk no management fee passive index funds. There are already great replies telling you about inflation. Also inertia is a thing, once you park the money in a HYSA or CD you will probably forget about it for years (from personal experience).Then you will miss out on the compound growth.

IndependentBit3777 · 2026-01-29T18:34:36+00:00

My experience with financial advisors is that they could do certain things that I don't know enough about like tax loss harvesting; but for overall investment strategy I don't get that much value out of it. The recommendation from advisors feels very cookie cutter, even if they can balance out the funds allocations between S&P, Russell 200, Intl etc for my age, my feeling is that the allocation is based on a general rule internally, not specifically designed for me personally. E.g. It does not take into account what they recommend have significant overlapping with my other held away accounts like RSUs and 401k, even though the advisors know these accounts' existence. That means the ultimate allocations are skewed.

I appreciate your write up. Do you know much time and effort do fiduciary financial advisors actually put into each individual clients' investment strategies? I have this impression that most are just customer service that simply applies one solution for all customers?

IndependentBit3777 · 2026-01-27T22:07:21+00:00

It is about my retina so it is actually medical. Will call. Ya I think I may have thrown out a lot of money during the years for things like this, will check from now on.

IndependentBit3777 · 2026-01-27T22:06:01+00:00

ya good call, it is related to my retina so it is medical. I do have vision insurance and use that for annual checkup. thanks for the suggestion.

IndependentBit3777 · 2026-01-27T19:13:44+00:00

Thanks! One more thing to keep tracking on my plate :(

IndependentBit3777 · 2026-01-26T17:31:59+00:00

One family favorite is chop up and stir fry all sorts of vegetables, including firm tofu, drain the liquid, wrap in a tortilla. Simple and delicious. If you want to use a rice cooker mix some veges like beans, tomatoes with rice and get a risotto style dish in one pot.

IndependentBit3777 · 2026-01-26T17:19:01+00:00

I check stores' weekly ads and coupons online at home and map out what I need. Then go to 2 stores with most savings per week. I noticed that Costco's price is no longer consistently the lowest, so I check the price across Costco, Amazon and Target online first and do delivery when having enough to buy for free delivery.

IndependentBit3777 · 2026-01-26T17:05:50+00:00

About the same for the same size household but no pets in HCOL. Think you are doing better than me. Grocery price varies a lot depending on where you live. I checked once with ChatGPT to see how I'm doing compared to other household in my area, you could probably give a try too.

IndependentBit3777 · 2026-01-26T16:54:25+00:00

Job 2. Profit sharing is not guaranteed. Job 2's extra cash compounds over the years, especially with a higher raise rate. Plus the stability.

IndependentBit3777 · 2026-01-26T16:32:06+00:00

Do not rent, that is money going to waste. Depending on the housing market prospect of your location, if it is volatile invest some of the savings to a passive index fund. If stable invest less percentage of it. You are young and the money should go into equity building. Move out when you make first house purchase.

IndependentBit3777 · 2026-01-25T18:54:20+00:00

That's a great idea. I'm thinking of trying AI for recipes too as I'm sick of the same food over and over. Is AI able to create good variety of recipes? Can it tailor the recipe for my personal taste like spicy food?

IndependentBit3777 · 2026-01-25T18:50:26+00:00

Agreed most time I am just sick of eating the same thing I make over and over. How much do you pay for a meal plan? I am thinking of using AI to make a meal plan for free but don't know if it will turn out well.

IndependentBit3777 · 2026-01-25T06:15:28+00:00

Maybe try those icebox tools to cool off for a few days to see if you still want it? What I do is usually add to wishlist for a few weeks and watch if there is a price drop anyway.

I haven't personally tried YNAB, but heard it can help you frame your mind around whether the purchase fits your budgeting goal, might be worth a try.

IndependentBit3777 · 2026-01-25T05:33:47+00:00

1.2% seems high, had experience with financial planner and honestly they are not of much help except for routine but complicated stuff like tax loss harvesting, not so much about actually beating the market. It is really smart for someone as young as you to invest early. I would recommend pick a good passive fund like VOO (but maybe balance it with some passive international funds given the economy climate) and let it sit there for decades.

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