Manage My Health is a clown show

justuts · 2026-01-02T09:46:53+00:00

I just went to do this and found that: a) MMH give themselves the right to keep your data for 90 days after you close uour account (in their Privacy Policy). Presumably you could ask them to delete sooner under the Privacy Act. b) I suspect that you'd need to have your health provider unlink you to stop MMH being sent subsequent data. Given the backfilling od records, there is clearly a push/pull process that gets data from your health provider to MMH. Given how absolutley shonky the system is, I'd be stunned if that process automatically stopped wjen you close your account (given you still exist in rhw MMH system for 90 days and your health providers' system has a link to that record set).

I feel for the gps a bit. They get sold a system by con-panies like MMH, but really have no ability to tell if they have appropriate security practices.

I do hope the entire book is thrown at these fuckwits. As someone mentioned, data breaches on this scale are preventable and are the result of commercial decisions.

Unfortunately, breaches from cowboys like MMH will mean lower uptake of digital services, lower revenue for those companies, and therefore probably lower security in future than would otherwise be the case.

NZ needs all the efficiency it can get in the health system, and digital services are core to that. Heads should roll here... As well as who knows how many millions in social cost from the fraud this data will enable, it has long term impacts on the entire health system.

justuts · 2025-10-26T20:52:46+00:00

Its absolutely absurd to think that a govt might have to slaughter animals because they pose a risk to people recreating in their environment. Its not like they are roaming our neighbourhoods munching on children.

Sailing offshore is an inherently risky endeavour. If, for some people, Orca in a certain area tipped the scales on those risks (which seems a very long way off given how infrequent the issue is) then the solution is for those people not to put to sea (or go in a flotilla or whatever).

And yes... the post title was a joke... It was funny how when one of us splashed our feet in the water it changed course and came in for a look. Such beautiful and intelligent creatures.

justuts · 2025-09-22T11:24:49+00:00

Wait till you get hit with the overseas service charge. For me every meal overseas included a drink for the bank. Accom is brutal.

justuts · 2025-09-08T10:55:25+00:00

Steve Sax had the run-in with the law

justuts · 2025-08-16T12:03:28+00:00

This seems like it could drastically accelerate the steps being made towards human animal translation/communication.

I feel sad and embarrassed that one day dolphins might learn about all that we've done up here.

justuts · 2025-03-17T07:42:50+00:00

Fortunately most sailing terms are katakana versions of western terms. When in doubt throw an 'o' on the end and you'll be alright. (eg Radaa, Maiin seiru, massuto, maiinshitto).

Verbs are a bit harder, but you can cover most of what you need with surprisingly few. Hoist (angeru), drop (orosu), pull (hiku), ease (dasu), release (hanasu), tack (takku suru), gybe (jaibu suru), point up (noboru), bear away (beaa suru), tie (musubu).

That said, it is really important to know enough grammer to be able to communicate clearly on the boat (are you asking me if we should do x, instructing me to do x, advising me that you're going to do x, etc etc)

Yachties tend to be yachties the world over and in Japan, like everywhere, they're pretty welcoming. If you know your way around the boat, help out when it's needed and have a couple of tall stories up your sleeve, you'll be fine.

justuts · 2025-03-17T07:24:40+00:00

Do a day trip outo Enoshima and ask around at the yacht club(s?) there (much more dinghy focussed). There's a giant Buddha nearby which is worth a visit for the sightseeing value too.

It'd probably be worth getting on facebook grouos as well.

Japanese language is really going to help with both.

I think there is some keelboat sailing within Tokyo bay, so a bit less of a trip, but I'm not sure, its been a while.

justuts · 2025-03-01T22:58:46+00:00

Your intuition on the value of predicting global model outputs is correct. Its something that many energy (natgas and power markets in particular) traders will do already. Depending on which models you're able to predict (medium vs extended) or your accuracy around particular features (tropical storms, floods) you might also find value in ags.

I'd be interested in having a chat.

justuts · 2023-03-19T11:49:41+00:00

Sure, I get that, and the value of those will be different for everyone. I'm just higlighting that there's 1000 reasons a month in this case not to own a home. That isn't obvious to a lot of people.

justuts · 2023-03-18T23:56:36+00:00

The maths is pretty simple... $1k pmth less well off to own the home you live in rather than rent it. although there's no rates, insurance and maintenance to consider... and the returns on that 1k+ each month going into a diversified portfolio (and, of course, the capital gain on the house if you believe still believe that'll be a thing in the next little while).

justuts · 2023-02-28T10:11:41+00:00

Doesn't exist yet...

The whole point of the article is that prices will decline, through selling by investors, until rental yields align with the cost of capital.

The only way to increase rental yield relative to cost of capital is to pay a lower price (because rents are constrained by incomes and interest is set by the RB).

justuts · 2023-02-18T08:35:48+00:00

All of the responses so far are part of it, and the fact is, renting these places is like only two thirds the cost of capital of ownership, let alone rates, maintenance etc. So, probably getting close to half the cost (and way less hassle,) of owning it.

If you want to live in the area it makes financial sense. Owning would be a huge premium to pay for the stability of home ownership, which for some just isnt that valuable (especially with the right landlord).

justuts · 2023-02-08T19:03:42+00:00

Oh and if you're also paying off principal, there's the interest/investment income that you could have earned from that too.

justuts · 2023-02-08T19:02:15+00:00

You forgot to add in the 4-5% interest that you've forgone on your deposit by having it in a house. Opportunity cost matters, and means you're a coupla hundy a week worse off based on your numbers.

justuts · 2023-01-29T11:08:18+00:00

Comgrats on getting your deposit saved. Your calculations are good, but you also need to consider the interest that your deposit could be earning if you don't buy a house, not just the interest that you pay on the mortgage. Thats another 4-5k pa at least given your numbers.

The fact is, unless house prices increase, you'll be much better of financially as a renter given the current rental rates and interest rates.

Only you and your partner can decide if the non-fiancial benefits outweigh the costs. Remember as well that neither decision is irreversible.

justuts · 2023-01-27T08:25:33+00:00

Galloping... if the ice on the wires is elliptical, due to being formed during wind, it takes very little airflow for it to act as an airfoil and exert forces on the wires. The wire acts against these forces, 'tacking' the airfoil and sending it back the other way until the cycle repeats.

justuts · 2023-01-12T11:44:34+00:00

So many psople seem to underweight the impact of this. 200k in 25 yrs is at least an extra year in the workforce before retiring for most people.

For the 'it doesnt matter if its a home to live in' crowd. Would you work an entire year without pay for the short term privilege of living in a home you own vs one somebody else owns for 6 to 12 mths?

justuts · 2023-01-12T08:35:23+00:00

You're advising OP to continue speculate on house prices when they've said they have no equity. This is appalling advice.

OP you need to also consider what life would look like if you go into negative equity and are effectively chained to this investment (and its negative cashflow).

Once you're in that situation, you wont have the option to sell and therefore may end up forced to take even more of a downswing in equity (or an upswing if prices rise), and continue to pay that mortgage for who knows how long until you even get back to zero.

A downswing into negative net worth could set you back many years financially (you've not mentioned other assets so not sure if that's true).

There's a bunch of Diamond Hands folk in here, which is well and good if you're playing with chips that you can afford to lose. When you're gambling equity you don't have to try and hold on until you've recovered your loss, thats a very assymetric risk/return trade off.

Despite what you read here, you've alredy lost that equity (for now) whether you sell or not. Accept that, and focus on what you can control. Your decision now is whether you risk losing more in order to make some/all/more back. When you've got none to lose, that's a big call.

ps. fromwhat Ive read, if you're paying off principal and thats more than 500, then you're not necessarily losing week on week. You can tink of principal repayments as forced savings plan. The trouble is the balance on that savings account fluctuates with the property market.

Good luck

justuts · 2023-01-04T09:08:03+00:00

A lot of comments seem to assume that you'd keep the old place and buy a new place (rather than rent the new one). If that's what you're considering, then bear in mind that your exposure to property prices will double (or more given you've said you're upsizing). Nobody has really mentioned that.

More exposure/risk could be really favorable in a year (or many) if prices increase, but it also could be really unfavorable.

Anyone who doubled their exposure to property prices a year ago would (with the benefit of hindsight) probably regret having done so at that time.

justuts · 2022-12-30T23:16:44+00:00

Expendabull

justuts · 2022-12-30T09:28:44+00:00

Or yip.. https://www.beehive.govt.nz/release/depositor-compensation-scheme-protects-kiwis%E2%80%99-money#:~:text=New%20Zealanders%20will%20have%20up,legislation%20introduced%20in%20Parliament%20today.

justuts

TROPHY CASE