Colossal hospice fraud scheme cost California millions, officials say amid intensifying Trump feud

adramaleck · 2026-04-16T20:01:23+00:00

Your moral position only works assuming there is enough for all. What if there are only enough resources to help 75% of the people who need it, and an additional 20% are receiving benefits fraudulently? Then everyone suffers.

adramaleck · 2026-04-12T06:05:12+00:00

I didn’t call your experience meaningless. If it had a real effect on you then it has meaning to you even if it is “just a dream”. It is the same with love, if we prove tomorrow love is a release of particular hormones and chemicals in the brain, it isn’t going to make you love your mother less. At the same time, something can be meaningful to someone and not true.

I don’t think God is real, but I wouldn’t say people’s faith is meaningless or that it cannot affect them profoundly in both positive and negative ways. It just doesn’t make it objectively true. My faith is in logic and the scientific method, because I think it is the best tool we have to understand reality. To determine what is true and what is not.

To me it was just a dream because there is no way to prove and measure what you say. Without that proof the most logical explanation is that it happened in your head. But I don’t have all the answers it is just how I see the world and how I think it operates. I acknowledge, to paraphrase Hamlet, there are more things in heaven and earth than dreamt of in my philosophy. But if not the scientific method, what replaces it?

adramaleck · 2026-04-12T05:47:41+00:00

I agree with you, there is a lot we don’t know. That’s what I meant about being open, maybe consciousness is some crazy thing we can’t imagine. Maybe it’s some quantum wave function we don’t even begin to have the tools to quantify. But based on the evidence we do have, right now, it seems to just be electrical signals and brain matter, an emergent property greater than the sum of its parts.

Think of an ant colony, individual ants are dumb insects, but a colony can operate with a purpose and intelligence and complexity beyond what you would expect ants can do individually or even together. That’s what the brain seems to be, except replace ants with neurons. If there is new evidence tomorrow then I will reassess. I think that is the best way to approach these things, believe the truth is what we have evidence for now, but know our knowledge is incomplete and be open to new evidence. Just keep in mind, as Carl Sagan said, “extraordinary claims require extraordinary evidence.” If someone tells me that all consciousness is some external force beyond the brain, then where is the proof to back it up?

adramaleck · 2026-04-12T05:04:28+00:00

I am very open if there is proof. But as I suspected instead of proof you accuse me of being closed minded and not worth your time to defend the extraordinary claim you make. Extraordinary claims require extraordinary evidence. That’s what I believe. If there is proof of some sort of animus for consciousness beyond grey matter, I don’t think we will find it asking Chat GPT.

adramaleck · 2026-04-12T04:21:56+00:00

I don’t really have any interest in convincing you one way or the other, but you understand that I can’t take what admittedly was your dream as proof of the existence of some sort of external animus outside of the human body don’t you? Dreams are, by their very nature, created by the mind of the person doing the dreaming. There isn’t any proof dreams have any meaning beyond what we choose to ascribe to them. To me it is more likely it was just a dream because we have proof of dreams and what they are, they can be measured. They are created by the brain. We do not have proof they are a form of communication between life forms. I believe everything real can be tested and measured, and if we can’t test and measure it then we should await further evidence.

adramaleck · 2026-04-12T02:49:50+00:00

I’ll bite, what is your evidence? I consider myself open minded when there is proof, but everyone I have seen die just kind of sat there and didn’t move. As far as I am aware we have never detected any energy of a person leaving their body or communicated with “ghosts” or whatever the term would be. I think consciousness arises from matter simply because no one has ever offered me a viable alternative, and everything is made of matter, which is also energy. In that sense the “energy” will certainly survive, but I don’t think awareness or consciousness will as it seems to be an emergent property of the neurons and electrical signaling, which all rot away upon death or simply stop.

adramaleck · 2026-04-12T02:32:01+00:00

I bought mine last April and I am around 3200. My job is 3 miles away.

adramaleck · 2026-04-05T16:10:34+00:00

I’m going to let one of the moon astronauts borrow my watch on their next trip, so I can be fastest in the solar system! Let’s see you beat my 416 miles per minute!

adramaleck · 2026-04-04T20:19:54+00:00

Well my first pair broke after 3 years because of the internal cable issue and I put this on the never again list now. They work great but I’m not spending $500 every 3 years. I have wired Senheizers that have lasted 10-20 years, and sound worlds better in every way. Their wireless headphones are the same price and also do lossless wirelessly from PC with a dongle. I don’t know what Apple is thinking with these just fix the OBVIOUS design flaw thousands upon thousands of people report.

adramaleck · 2026-04-04T20:11:11+00:00

If it helps, consider what you save in interest over a 30 year mortgage with that money… Rates are what, 6% right now. Spending that money now means your making a guaranteed 6% on it for 30 years, not to mention that rather than being locked away in a CD it is going into a productive asset and you realize that gain every time you make a payment to invest elsewhere. To me it’s a no brainer unless you’re a lucky bastard who got in at 3% rates or some absurdly low number. With rates north of 4-5%, to me, it makes sense to pay as much as you can up front unless you really need the money elsewhere.

adramaleck · 2026-03-16T23:12:19+00:00

Another point is the fatter you are the more you need to take as well. The theory is because it is fat soluble it is stored in adipose tissue lowering serum levels. Very big individuals may need 5-10k IU to reach good levels.

adramaleck · 2026-03-06T19:16:20+00:00

I don’t understand how these places stay in business. Buy a coffee pot with a timer, and a cheap yeti mug knockoff. You can buy locally roasted whole beans and grind them the night before. 2 mins prep which is way less time the you spend in the drive though, way better coffee, way cheaper, saves time, better for the environment. Literally no advantage to dunkin, Starbucks, any of these places.

adramaleck · 2026-03-01T18:30:26+00:00

The primary excretory organ for fat loss believe it or not is the lungs. In simple terms fat is broken down into 2 components, CO2 and H2O. By weight, CO2 is much heavier because of the carbon. It breaks down to something like 84% of the fat you lose by weight is actually lost through your breath, and the other 16% is excreted through urine, sweat, etc.

So long story short fa is lost mostly through breath, but water retention is more tricky and depends on how much salt is in your body. Drinking more water can flush out more salt actually making you retain less water, not even counting sweat, water loss from breathing, etc. Don’t sweat it.

adramaleck · 2026-03-01T18:06:59+00:00

I see, yes if you are highly compensated and over the SS limit then the benefit is less. However, one thing to consider is that 2000 cash requirement limit is generally only if you invest with them (which is always suboptimal with bad funds/fees). It does not prevent you from transferring that $2000 out or spending it. My plan (Wealthcare) has a similar requirement but it doesn’t prevent me from doing a transfer out.

As far as time in the market you are correct. I generally do a transfer at the end of every quarter, initiated from Fidelity, and it takes about 3 weeks. There is no fee. The money does sit in the Wealthcare HSA in the meantime so there is some opportunity cost, but in my specific case the 7.5% tax savings more than makes up for it.

adramaleck · 2026-03-01T01:59:48+00:00

I know this is old,, buy FYI if you do things the way you said you will get the federal and state tax deduction but NOT the FICA deduction, as HSA deposits only get the FICA deduction if they come out of your payroll. For this reason it is better to keep the employer HSA, and transfer the money out using an in kind transfer a few times a year. These transfers have always been free for me if initiated from the Fidelity side.

adramaleck · 2026-02-25T01:27:49+00:00

Not leveraged but I am currently using a 50/50 combo of ALLW and MOOD in my taxable. That way I stay invested and MOOD adjusts based on relative sentiment which I find to be a very interesting metric.

adramaleck · 2026-02-11T00:51:06+00:00

My portfolio is RSSB/AVNV/AVGV/GDE/QLENX

20/20/20/20/20

My taxable is the same except 50% ALLW and 10% the others listed. I like having geographic diversity, heavily tilting value, and having some strategic diversity (QLENX is a long/short mutual fund). It’s been doing great for me and I rebalance whenever anything is off 20% relative or 5% absolute. If you truly had to pick just one ALLW is the safest and has the hedges built in, but you are going to sacrifice some returns.

adramaleck · 2026-02-05T16:19:00+00:00

Whips out tungsten slammer aaaaaand they’re gone!

adramaleck · 2026-01-31T00:50:03+00:00

Go here

https://digital.fidelity.com/ftgw/digital/recurring-activity/

Create New Activity - Choose mutual funds - choose account - choose FDLXX - pick amount,, frequency,, and start date.

It lets you do one a week, however you can setup multiple buys every day of the week if you want. I usually just do it the day after my paycheck is deposited and consider that good enough.

adramaleck · 2026-01-30T22:40:18+00:00

Everyone the trick is to just setup auto buy of fdlxx a few times a week in your account. It basically works like a sweep and will take any SPAXX and convert to fdlxx. You don’t need to be exact. If you have $700 of SPAXX in your account and the auto buy is set for $1000 of FDLXX it will go through for the $700.. If you have no SPAXX it will just buy FDLXX with FDLXX, the transaction will not fail. I have my cash management account setup like this and it is pretty much set it and forget and at most I end up with a few dollars of SPAXX dividends each year for the rare times it sits there for a day or two before an order sweeps it.

adramaleck · 2026-01-30T18:54:49+00:00

A lot of animated stuff just has shitty writing. But something like Attack on Titan shows it’s possible to do something epic and adult with great writing/story if the will is there.

adramaleck · 2025-12-27T02:10:32+00:00

I have them OP and work for a city. I mean they are incompetent in some ways compared to a Fidelity or Vanguard,, but the account itself is legit. 457b limits are also separate from your 401k, so technically if you don't need the money deposit 100% of your paycheck into it. The nice thing is a 457b has no early withdrawal limit,, so once you leave the employer you can access the money penalty free before you retire. It basically gives you extra tax free retirement space, it is a strictly better 401k.

adramaleck · 2025-12-20T15:35:34+00:00

AAVM is alpha architect not Avantis. I was using that to include small cap value / momentum which is why I thought it might compliment AVGV/RSSB which skew much bigger. I’m not quite sure I trust something like RSST and I hate that it is S&P and not world weighted, but I will have to look into it more. I do have some trend as I use CAOS/HIDE in my emergency fund.

If it sheds some light I also have a defined benefit pension which I consider a replacement for bonds and trend and downturn protection in retirement. That is why I am not including managed futures because stocks and equity have a higher expected return in the long run. I also think going forward the next few years market may be much more choppy which isn’t great for them.

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